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	<title>Pensia facultativă în România &#187; facultative</title>
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	<description>Pensiile facultative din Romania - posibilitate de fidelizarea a angajatilor de catre angajatori</description>
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		<title>BULETIN SEMESTRIAL &#8211; SEMESTRUL I 2010</title>
		<link>http://www.pensia-facultativa.com/ing/2010/07/buletin-semestrial-semestrul-i-2010/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/07/buletin-semestrial-semestrul-i-2010/#comments</comments>
		<pubDate>Thu, 15 Jul 2010 17:30:00 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[AIG]]></category>
		<category><![CDATA[Alico]]></category>
		<category><![CDATA[Allianz]]></category>
		<category><![CDATA[APAPR]]></category>
		<category><![CDATA[Asigurare de viata]]></category>
		<category><![CDATA[Astra Asigurari]]></category>
		<category><![CDATA[BCR Asigurari de Viata]]></category>
		<category><![CDATA[BCR Fond Pensii]]></category>
		<category><![CDATA[CSSPP]]></category>
		<category><![CDATA[Eureko Pensii]]></category>
		<category><![CDATA[Evenimente]]></category>
		<category><![CDATA[Generali]]></category>
		<category><![CDATA[groupama]]></category>
		<category><![CDATA[Groupama Asigurari]]></category>
		<category><![CDATA[Informatii generale]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[Interamerican]]></category>
		<category><![CDATA[KD Life]]></category>
		<category><![CDATA[Legislatie]]></category>
		<category><![CDATA[Nederlanden]]></category>
		<category><![CDATA[Omniasig]]></category>
		<category><![CDATA[Pensii private]]></category>
		<category><![CDATA[PIB]]></category>
		<category><![CDATA[activelor]]></category>
		<category><![CDATA[administrate]]></category>
		<category><![CDATA[crestere]]></category>
		<category><![CDATA[decembrie]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[fondurile]]></category>
		<category><![CDATA[FONDURILOR]]></category>
		<category><![CDATA[milioane]]></category>
		<category><![CDATA[participanti]]></category>
		<category><![CDATA[participanţilor]]></category>
		<category><![CDATA[semestrul]]></category>
		<category><![CDATA[semestrului]]></category>
		<category><![CDATA[SFARSITUL]]></category>
		<category><![CDATA[sistemul]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=602</guid>
		<description><![CDATA[BULETIN SEMESTRIAL &#8211; SEMESTRUL I 2010 Astăzi, 15 iulie a.c., Comisia de Supraveghere a Sistemului de Pensii Private (CSSPP) a publicat pe site-ul propriu, www.csspp.ro, buletinul informativ aferent semestrului I 2010. Buletinul CSSPP conţine principalele date statistice ale primelor 6 luni ale anului: evoluţia volumului activelor, a numărului de participanţi, analize privind evoluţia structurii participanţilor [...]]]></description>
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		</item>
		<item>
		<title>Fondurile de pensii private au câştigat 10% în S1</title>
		<link>http://www.pensia-facultativa.com/ing/2010/07/fondurile-de-pensii-private-au-castigat-10-in-s1/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/07/fondurile-de-pensii-private-au-castigat-10-in-s1/#comments</comments>
		<pubDate>Wed, 07 Jul 2010 07:18:04 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[Evenimente]]></category>
		<category><![CDATA[Informatii generale]]></category>
		<category><![CDATA[actiuni]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[fondurile]]></category>
		<category><![CDATA[FONDURILOR]]></category>
		<category><![CDATA[indicele]]></category>
		<category><![CDATA[obligatorii]]></category>
		<category><![CDATA[private]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=595</guid>
		<description><![CDATA[Fondurile de pensii private obligatorii (pilonul II) au înregistrat în primul semestru un randament mediu de 9,9%, iar fondurile de pensii facultative (pilonul III) &#8211; de 6,6%, potrivit Asociaţiei pentru Pensiile Administrate Privat din România (APAPR). Calculat pentru ultimele 12 luni, randamentul fondurilor obligatorii a fost de 20,7%, iar în cazul pensiilor facultative &#8211; de [...]]]></description>
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		</item>
		<item>
		<title>ING Asigurări: Vom suporta creşterea TVA din profit, fără majorări de tarife</title>
		<link>http://www.pensia-facultativa.com/ing/2010/06/ing-asigurari-vom-suporta-cresterea-tva-din-profit-fara-majorari-de-tarife/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/06/ing-asigurari-vom-suporta-cresterea-tva-din-profit-fara-majorari-de-tarife/#comments</comments>
		<pubDate>Wed, 30 Jun 2010 10:02:43 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[ING]]></category>
		<category><![CDATA[asigurari]]></category>
		<category><![CDATA[cheltuieli]]></category>
		<category><![CDATA[chiriile]]></category>
		<category><![CDATA[Cornelia]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[jumătate]]></category>
		<category><![CDATA[micşorăm]]></category>
		<category><![CDATA[probabil]]></category>
		<category><![CDATA[renegociem]]></category>
		<category><![CDATA[unit-linked]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=591</guid>
		<description><![CDATA[ING Asigurări, cea mai mare companie din piaţa asigurărilor de viaţă, şi-a bugetat pentru acest an un profit la jumătate faţă de 2009, una dintre cauzele reducerii fiind şi majorarea TVA de la 1 iulie. Cornelia Coman, directorul general al companiei, se aşteaptă la un profit net de 35-40 de milioane de lei (conform standardelor [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Angajatorii îşi prind urechile în aplicarea legii pensiilor facultative</title>
		<link>http://www.pensia-facultativa.com/ing/2010/06/angajatorii-isi-prind-urechile-in-aplicarea-legii-pensiilor-facultative/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/06/angajatorii-isi-prind-urechile-in-aplicarea-legii-pensiilor-facultative/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 07:41:05 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[Informatii generale]]></category>
		<category><![CDATA[acestuia]]></category>
		<category><![CDATA[angajator]]></category>
		<category><![CDATA[angajatorul]]></category>
		<category><![CDATA[angajatorului]]></category>
		<category><![CDATA[angajatului]]></category>
		<category><![CDATA[condiţiile]]></category>
		<category><![CDATA[contributia]]></category>
		<category><![CDATA[contribuţie]]></category>
		<category><![CDATA[contributiei]]></category>
		<category><![CDATA[contribuţiilor]]></category>
		<category><![CDATA[facultativa]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[impozabilă]]></category>
		<category><![CDATA[jumătate]]></category>
		<category><![CDATA[obligaţia]]></category>
		<category><![CDATA[plafonul]]></category>
		<category><![CDATA[plăteşte]]></category>
		<category><![CDATA[prevederile]]></category>
		<category><![CDATA[prevederilor]]></category>
		<category><![CDATA[problemă]]></category>
		<category><![CDATA[salariul]]></category>
		<category><![CDATA[valoarea]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=580</guid>
		<description><![CDATA[Angajatorii se lovesc tot mai frecvent de neclarităţile legii privind pensiile private facultative, dar şi de prevederile ambigue din Codul fiscal, referitoare la aceeaşi problemă. Un prim aspect care s-a dovedit imposibil de pus în practică este cel legat de plafonarea contribuţiei. Conform prevederilor Legii nr. 204/2006, „contribuţia la un fond de pensii facultative poate [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fondurile de pensii private au castigat 66 mil. €</title>
		<link>http://www.pensia-facultativa.com/ing/2010/06/fondurile-de-pensii-private-au-castigat-66-mil-e/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/06/fondurile-de-pensii-private-au-castigat-66-mil-e/#comments</comments>
		<pubDate>Tue, 08 Jun 2010 14:17:24 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[Eureko Pensii]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[crescut]]></category>
		<category><![CDATA[CSSPP]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[inregistrat]]></category>
		<category><![CDATA[milioane]]></category>
		<category><![CDATA[obligatorii]]></category>
		<category><![CDATA[pensii]]></category>
		<category><![CDATA[pierderi]]></category>
		<category><![CDATA[profit]]></category>
		<category><![CDATA[trecut]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=573</guid>
		<description><![CDATA[Fondurile de pensii private, atat cele obligatorii (pilon II), cat si cele facultative (pilon III), au inregistrat anul trecut un profit cumulat de 280 de milioane de lei (circa 66 de milioane de euro), potrivit raportului anual al Comisiei de Supraveghere a Sistemului de Pensii Private (CSSPP) publicat ieri. Astfel, fondurile de pensii obligatorii au [...]]]></description>
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		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Topul primelor pentru o asigurare de viata mixta: cat costa o polita de 100.000 de euro</title>
		<link>http://www.pensia-facultativa.com/ing/2010/05/topul-primelor-pentru-o-asigurare-de-viata-mixta-cat-costa-o-polita-de-100-000-de-euro/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/05/topul-primelor-pentru-o-asigurare-de-viata-mixta-cat-costa-o-polita-de-100-000-de-euro/#comments</comments>
		<pubDate>Mon, 10 May 2010 13:04:24 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[Alico]]></category>
		<category><![CDATA[Asigurare de viata]]></category>
		<category><![CDATA[BCR Asigurari de Viata]]></category>
		<category><![CDATA[Groupama Asigurari]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[Alexandrescu]]></category>
		<category><![CDATA[asemenea]]></category>
		<category><![CDATA[asigurare]]></category>
		<category><![CDATA[asigurarile]]></category>
		<category><![CDATA[ASIGURARILOR]]></category>
		<category><![CDATA[asigurată]]></category>
		<category><![CDATA[asigurator]]></category>
		<category><![CDATA[asiguratorul]]></category>
		<category><![CDATA[clientul]]></category>
		<category><![CDATA[companie]]></category>
		<category><![CDATA[economisire]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[garantata]]></category>
		<category><![CDATA[garantate]]></category>
		<category><![CDATA[incheiata]]></category>
		<category><![CDATA[INSTRUMENTE]]></category>
		<category><![CDATA[investitii]]></category>
		<category><![CDATA[pensiile]]></category>
		<category><![CDATA[PERIOADA]]></category>
		<category><![CDATA[politelor]]></category>
		<category><![CDATA[potrivit]]></category>
		<category><![CDATA[supravietuieste]]></category>
		<category><![CDATA[titlurile]]></category>
		<category><![CDATA[unit-linked]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=543</guid>
		<description><![CDATA[Asigurarile de viata, unul dintre cele mai importante instrumente de economisire, sunt inca slab dezvoltate, iar clientii le cumpara mai mult pentru ca sunt obligati de bancile la care au credite decat pentru ca isi fac griji pentru viitor. Dar cat costa o asigurare de viata? ZF a solicitat informatii de la toate companiile prezente [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Fondurile de pensii, randament de 9% in T1</title>
		<link>http://www.pensia-facultativa.com/ing/2010/04/fondurile-de-pensii-randament-de-9-in-t1/</link>
		<comments>http://www.pensia-facultativa.com/ing/2010/04/fondurile-de-pensii-randament-de-9-in-t1/#comments</comments>
		<pubDate>Wed, 07 Apr 2010 08:05:14 +0000</pubDate>
		<dc:creator>pensia</dc:creator>
				<category><![CDATA[Allianz]]></category>
		<category><![CDATA[APAPR]]></category>
		<category><![CDATA[CSSPP]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[KD Life]]></category>
		<category><![CDATA[actiuni]]></category>
		<category><![CDATA[circa]]></category>
		<category><![CDATA[facultative]]></category>
		<category><![CDATA[fondurile]]></category>
		<category><![CDATA[mediu]]></category>
		<category><![CDATA[milioane]]></category>
		<category><![CDATA[obligatiuni]]></category>
		<category><![CDATA[obligatorii]]></category>
		<category><![CDATA[obtinut]]></category>
		<category><![CDATA[pensii]]></category>
		<category><![CDATA[pentru]]></category>
		<category><![CDATA[PERIOADA]]></category>
		<category><![CDATA[peste]]></category>
		<category><![CDATA[PILONUL]]></category>
		<category><![CDATA[prezent]]></category>
		<category><![CDATA[private]]></category>
		<category><![CDATA[profil]]></category>
		<category><![CDATA[randament]]></category>
		<category><![CDATA[ultimul]]></category>

		<guid isPermaLink="false">http://pensia-facultativa.com/ing/?p=528</guid>
		<description><![CDATA[Fondurile de pensii private obligatorii (Pilonul II) au obtinut un randament mediu de 9,5% in primul trimestru, in principal din investitii in actiuni si obligatiuni corporative, potrivit datelor Asociatiei pentru Pensiile Administrate Privat (APAPR).&#8221;Rezultatele investitionale au venit din echilibrul reusit de administratori in alocarea activelor intre actiuni si obligatiuni, in conditiile in care ambele clase [...]]]></description>
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