{"id":23354,"date":"2021-06-14T14:03:59","date_gmt":"2021-06-14T14:03:59","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=23354"},"modified":"2021-06-14T14:04:02","modified_gmt":"2021-06-14T14:04:02","slug":"vale-a-pena-abrir-uma-poupanca","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/vale-a-pena-abrir-uma-poupanca\/","title":{"rendered":"Merit\u0103 s\u0103 deschizi un cont de economii?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-descubra-se-vale-a-pena-colocar-seu-dinheiro-na-poupan%C3%A7a\">Afla\u021bi dac\u0103 merit\u0103 s\u0103 v\u0103 pune\u021bi banii \u00een Economii<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Descubra se vale a pena colocar seu dinheiro na Poupan\u00e7a\"  id=\"23355\" src=\"https:\/\/ucarecdn.com\/4a4cd8a0-8540-4677-8f49-079a94cd0f0a\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Afla\u021bi dac\u0103 merit\u0103 s\u0103 v\u0103 pune\u021bi banii \u00een Economii<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Probabil a\u021bi auzit pe cineva mai \u00een v\u00e2rst\u0103 vorbind despre cum \u00ee\u0219i punea economiile \u00een economii \u0219i a generat o sum\u0103 bun\u0103. Pentru c\u0103 asta a fost considerat cel mai sigur \u0219i ceea ce majoritatea oamenilor au f\u0103cut mult\u0103 vreme! Dar, mai merit\u0103 s\u0103 deschizi un cont de economii?&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, dac\u0103 sunte\u021bi unul dintre cei care \u00eenc\u0103 mai au aceast\u0103 \u00eendoial\u0103, nu v\u0103 face\u021bi griji. C\u0103ci nu e\u0219ti singurul \u0219i cu at\u00e2t mai pu\u021bin vei fi ultimul. De altfel, majoritatea oamenilor au \u00eenc\u0103 mult\u0103 ne\u00eencredere \u00een privin\u021ba altor modalit\u0103\u021bi de a economisi sau de a investi bani.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, exist\u0103 o mare varietate de op\u021biuni care apar pentru a aplica sau a investi banii. Astfel, poate ajunge s\u0103 fie pu\u021bin confuz s\u0103 \u00een\u021belegi cele mai bune op\u021biuni \u0219i dac\u0103 este totu\u0219i avantajos s\u0103 optezi pentru economii, nu?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar asta este pe cale s\u0103 se termine. Pentru c\u0103 \u00een articolul nostru v\u0103 vom explica tot ce trebuie s\u0103 \u0219ti\u021bi dac\u0103 v\u0103 g\u00e2ndi\u021bi s\u0103 deschide\u021bi un cont de economii. Deci, r\u0103m\u00e2ne cu noi \u0219i verific\u0103 toate informa\u021biile pe care le-am adunat pentru tine!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u0103 mergem?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-qual-valor-m%C3%ADnimo-para-deixar-na-poupan%C3%A7a\">Care este suma minim\u0103 de l\u0103sat \u00een economii?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Qual valor m\u00ednimo para deixar na poupan\u00e7a?\"  id=\"23356\" src=\"https:\/\/ucarecdn.com\/91375642-619f-4037-9a7d-6761d4b65089\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Care este suma minim\u0103 de l\u0103sat \u00een economii?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru cei care \u00eenc\u0103 se g\u00e2ndesc s\u0103 deschid\u0103 un cont de economii, este interesant s\u0103 aib\u0103 o idee despre care este o baz\u0103 bun\u0103 pentru a face bani \u00een portofoliul respectiv. Astfel, este interesant c\u0103 ave\u021bi o cantitate bun\u0103 de lichiditate. Dar ce este asta?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, lichiditatea se refer\u0103 la resursele pe care le po\u021bi converti rapid \u00een numerar dac\u0103 este nevoie. Adic\u0103 ceea ce a\u021bi rezervat v\u0103 st\u0103 la dispozi\u021bie pentru utilizare \u00een caz de nevoie imediat\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, gandindu-ne la lichiditate, este interesant sa ai un cont de economii, intrucat iti ofera aceasta optiune de acces usor la resursele tale atunci cand ai nevoie. Dar care este suma minim\u0103 pe care o persoan\u0103 ar trebui s\u0103 o lase \u00een economii p\u00e2n\u0103 la urm\u0103?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 exist\u0103 c\u00e2\u021biva factori care pot influen\u021ba acest r\u0103spuns, de care ar trebui s\u0103 \u021bii mereu \u00een considerare atunci c\u00e2nd ai deoparte o sum\u0103 pentru a deschide un cont de economii. Cu alte cuvinte, trebuie avute \u00een vedere urm\u0103toarele lucruri:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Care sunt cheltuielile tale fixe lunare, cele pe care le caracterizezi ca fiind indispensabile \u0219i apar \u00een fiecare lun\u0103 f\u0103r\u0103 gre\u0219eal\u0103;<\/li><li>Exist\u0103 stabilitate \u00een venitul lunar? Adic\u0103 ai un loc de munc\u0103 sau sursa primar\u0103 de venit?<\/li><li>Exist\u0103 posibilit\u0103\u021bi de a avea nevoie de valori de urgen\u021b\u0103 pe termen scurt sau mediu?<\/li><li>Ce nivel de trai iti doresti pentru tine?<\/li><li>Pe baza contextului actual de via\u021b\u0103 \u0219i a dorin\u021belor tale personale, ce sum\u0103 de bani te-ai sim\u021bi \u00een siguran\u021b\u0103 s\u0103 ai la dispozi\u021bie?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acum, s\u0103 ne g\u00e2ndim la dou\u0103 dintre ele mai \u00een profunzime.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"2-quais-s%C3%A3o-os-seus-gastos-fixos-mensais\">Care sunt cheltuielile tale fixe lunare<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru a \u0219ti c\u00e2\u021bi bani ar trebui s\u0103 ai la deschiderea unui cont de economii, este esen\u021bial s\u0103 \u00ee\u021bi \u00een\u021belegi bine cheltuielile fixe. A\u0219adar, g\u00e2ndi\u021bi-v\u0103 bine: \u00een caz de \u0219omaj sau de r\u0103m\u00e2nerea f\u0103r\u0103 sursa primar\u0103 de venit, c\u00e2te luni a\u021bi reu\u0219i s\u0103 v\u0103 men\u021bine\u021bi a\u0219a?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, este interesant c\u0103 \u00eencerci s\u0103 garantezi o rezerv\u0103 de cel pu\u021bin \u0219ase luni pentru a tr\u0103i confortabil f\u0103r\u0103 o surs\u0103 primar\u0103 de venit. Pe scurt, economise\u0219ti bani \u0219i ai \u00een continuare stabilitate \u0219i securitate \u00een cazuri de urgen\u021b\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De altfel, este, de asemenea, posibil s\u0103 facilita\u021bi acest proces prin reducerea cererilor de flux de numerar din bugetul gospod\u0103riei dumneavoastr\u0103. Adic\u0103 achizi \u00een avans datorii pe termen lung \u0219i pl\u0103te\u0219ti sume mai mici. Astfel, suma pe care o depui la deschiderea unui cont de economii poate fi mai mic\u0103, aloc\u00e2nd restul investi\u021biilor sau cheltuielilor.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"3-existem-algumas-possibilidades-de-precisar-de-valores-emergenciais-no-curto-ou-m%C3%A9dio-prazo\">Exist\u0103 posibilit\u0103\u021bi de a avea nevoie de valori de urgen\u021b\u0103 pe termen scurt sau mediu?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen acest sens, exist\u0103 acele mici surprize pe termen scurt \u0219i mediu, precum:&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>cheltuieli medicale nea\u0219teptate, proceduri, spitalizare sau medicamente scumpe;<\/li><li>\u00eemprumutul de bani unui membru de familie sau unui prieten de \u00eencredere din motive de urgen\u021b\u0103;<\/li><li>stinge urgent orice datorie restante, facturi restante etc.;<\/li><li>Intre altii.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-qual-a-quantia-que-te-traz-seguran%C3%A7a-para-ter-%C3%A0-disposi%C3%A7%C3%A3o\">Ce sum\u0103 \u00ee\u021bi aduce siguran\u021b\u0103 s\u0103 ai la dispozi\u021bie?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum am spus, pentru a \u0219ti suma potrivit\u0103 pentru a deschide un cont de economii, trebuie s\u0103 te g\u00e2nde\u0219ti la dorin\u021bele tale \u0219i la latura ta emo\u021bional\u0103. Adic\u0103, pentru a te sim\u021bi \u00een siguran\u021b\u0103 financiar, care este suma pe care ai dori s\u0103 o ai la dispozi\u021bie \u00een contul t\u0103u de economii pentru a o retrage atunci c\u00e2nd ai nevoie?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar aceast\u0103 valoare va varia de la persoan\u0103 la persoan\u0103, \u00een func\u021bie de contextul vie\u021bii fiec\u0103ruia. Prin urmare, sta\u021bi \u0219i g\u00e2ndi\u021bi-v\u0103 cu aten\u021bie care ar fi valoarea care v\u0103 aduce securitate \u0219i seta\u021bi-l ca obiectiv atunci c\u00e2nd v\u0103 deschide\u021bi contul de economii.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"5-escolha-o-banco-certo-para-voc%C3%AA\">Alege banca potrivit\u0103 pentru tine<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u0218tia\u021bi c\u0103 fiecare cont de economii are acela\u0219i venit, indiferent de banc\u0103 \u00een care ave\u021bi economiile? Deci este! Dar atunci, care este importan\u021ba alegerii b\u0103ncii potrivite \u00een care s\u0103-\u021bi pui banii?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pentru c\u0103 pentru a \u0219ti care este suma ideal\u0103 care \u00ee\u021bi va aduce siguran\u021b\u0103, este \u0219i interesant s\u0103 \u0219tii bine care este institu\u021bia financiar\u0103 ideal\u0103 pentru a o p\u0103stra. Deci caut\u0103&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Prezen\u021ba b\u0103ncii \u00een mai multe ora\u0219e<\/li><li>calitatea serviciului<\/li><li>serviciile ad\u0103ugate<\/li><li>la c\u00e2te retrageri ave\u021bi dreptul f\u0103r\u0103 a percepe comisioane \u00een contul dvs.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>In acest fel, caracteristicile bancii pot influenta si suma pe care ar trebui sa o lasi intr-un cont de economii la institutie.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-afinal-quanto-de-dinheiro-deixar-na-poupan%C3%A7a\">La urma urmei, c\u00e2\u021bi bani s\u0103 l\u0103sa\u021bi \u00een economii?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ei bine, dup\u0103 ce ne-am g\u00e2ndit la to\u021bi ace\u0219ti factori pe care i-am adus \u00een discu\u021bie mai sus, este important s\u0103 spunem c\u0103 majoritatea speciali\u0219tilor aduc o valoare maxim\u0103 general\u0103 pentru ca tu s\u0103 po\u021bi deschide un cont de economii cu stabilitate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, trebuie s\u0103 stabili\u021bi o limit\u0103 de 50 de mii de reale pentru economiile dvs. Pentru c\u0103 peste asta vei \u00eencepe s\u0103 pl\u0103te\u0219ti impozit pe venit \u0219i, cu procentul actual de economii, asta nu ar merita deloc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, dac\u0103 dep\u0103\u0219i\u021bi acest plafon cu valorile economiilor dvs., idealul este s\u0103 \u00eencepe\u021bi s\u0103 v\u0103 g\u00e2ndi\u021bi la alternative, precum obliga\u021biunile guvernamentale \u0219i fondurile de investi\u021bii cu risc sc\u0103zut.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, las\u0103 p\u00e2n\u0103 la 50 de mii de reale economii pentru situa\u021bii de urgen\u021b\u0103 \u00een ceea ce prive\u0219te cheltuielile nea\u0219teptate. Dar de acolo, \u00eencearc\u0103 s\u0103 variezi modul \u00een care folose\u0219ti banii pe care reu\u0219e\u0219ti s\u0103-i economise\u0219ti din venitul t\u0103u lunar \u0219i g\u00e2nde\u0219te-te la investi\u021bii, de exemplu.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apropo, ce-ar fi s\u0103 \u00een\u021belegem pu\u021bin mai multe despre cum aduc banii t\u0103i c\u00e2nd deschizi un cont de economii? Pentru c\u0103 exact despre asta vom vorbi \u00een continuare, a\u0219a c\u0103 r\u0103m\u00e2ne\u021bi cu noi \u0219i verifica\u021bi mai jos!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"7-quanto-rende-1000-por-m%C3%AAs-na-poupan%C3%A7a\">C\u00e2t c\u00e2\u0219tig\u0103 1.000 pe lun\u0103 \u00een economii?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mai \u00eent\u00e2i, s\u0103 explic\u0103m cum este venitul din economii \u00een 2021. Pentru c\u0103 \u00een acel moment (2021) economiile produc 70% din Rata Selic, at\u00e2ta timp c\u00e2t rata este mai mic\u0103 de 8,5%.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Astfel, cu rata selic la 2%, randamentul economiilor \u00een acest an este de 1,4% pe an \u0219i 0,11% pe lun\u0103. Adic\u0103, dac\u0103 inten\u021bia dvs. este s\u0103 face\u021bi banii s\u0103 func\u021bioneze, deschiderea unui cont de economii \u0219i l\u0103sarea banilor \u00eentin\u0219i, s-ar putea s\u0103 nu fie cea mai bun\u0103 alegere, deoarece alte active de investi\u021bii cu venit fix ofer\u0103 mai multe venituri \u0219i sunt, de asemenea, sigure.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar la urma urmei, c\u00e2t ar economisi 1000 de reale pe lun\u0103? Ei bine, dac\u0103 la\u0219i 1000 de reale \u00een economii, vei avea un venit de 0,14%. Adic\u0103 14 reale \u00eentr-un an, primind 1014 reale la sf\u00e2r\u0219itul perioadei.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, atunci c\u00e2nd retrage\u021bi aceast\u0103 sum\u0103 dup\u0103 o lun\u0103, ve\u021bi suporta \u00een continuare o rat\u0103 lunar\u0103 a dob\u00e2nzii de 0,11%. Astfel, valoarea final\u0103 va fi de 1011 reale, cu un venit de 11 reale.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"8-%C3%A9-vantagem-colocar-dinheiro-na-poupan%C3%A7a\">Este bine s\u0103 pui bani \u00een economii?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"\u00c9 vantagem colocar dinheiro na poupan\u00e7a?\"  id=\"23357\" src=\"https:\/\/ucarecdn.com\/109d52c8-1cbe-4baa-a0a8-35b69d0b0ef9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Este bine s\u0103 pui bani \u00een economii?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum am spus, economiile au fost c\u00e2ndva o op\u021biune bun\u0103 \u0219i este una dintre cele mai populare modalit\u0103\u021bi de a economisi bani \u00een Brazilia. De altfel, este \u00eenc\u0103 foarte c\u0103utat de oameni, \u00een special de cei mai \u00een v\u00e2rst\u0103 \u0219i obi\u0219nui\u021bi cu o perioad\u0103 \u00een care veniturile din deschiderea unui cont de economii \u00eenc\u0103 se pl\u0103tesc.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, vremurile s-au schimbat, iar economiile au r\u0103mas \u00een urma altor active de investi\u021bii \u0219i obliga\u021biuni guvernamentale cu venit fix, care aduc securitate \u0219i randamente mai bune.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adic\u0103 banii \u00een economii nu mai reprezint\u0103 un avantaj! Cu excep\u021bia cazului \u00een care nu sunte\u021bi \u00eengrijorat de venituri \u0219i ave\u021bi nevoie doar de un loc sigur pentru a v\u0103 l\u0103sa fondul de urgen\u021b\u0103.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar, \u00een orice caz, \u0219tim multe alte op\u021biuni bune pentru cei care caut\u0103 venituri \u0219i siguran\u021b\u0103 economisind \u00een acela\u0219i timp bani. A\u0219adar, am adunat mai jos care ar fi cele mai bune alternative pentru cei care inten\u021bionau s\u0103 deschid\u0103 un cont de economii, dar \u00ee\u0219i doresc o variant\u0103 mai bun\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, continu\u0103 s\u0103 cite\u0219ti \u0219i verific\u0103 ce am ales pentru tine. S\u0103 mergem \u00eenainte!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"9-tesouro-direto\">Trezoreria direct\u0103<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dup\u0103 cum am spus, s\u0103 v\u0103 pune\u021bi banii \u00een obliga\u021biuni de stat poate fi o alternativ\u0103 bun\u0103 pentru cei care au renun\u021bat la deschiderea unui cont de economii din cauza veniturilor mici. Astfel, atunci c\u00e2nd \u00ee\u021bi bagi banii \u00een Trezoreria Direct\u0103, investe\u0219ti \u00eentr-un program al Trezoreriei Na\u021bionale \u0219i al Bursei de Valori din S\u00e3o Paulo, B3.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Deci, un raport bun cost-beneficiu este scutirea de taxe administrative pentru acest tip de investi\u021bii de c\u0103tre majoritatea brokerilor de burs\u0103. \u00cen plus, exist\u0103 doar o tax\u0103 anual\u0103 de 0,31 TP3T pentru orice investi\u021bi.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Apropo, un alt punct interesant pentru tine de a-\u021bi pune banii \u00een Trezoreria Direct\u0103 este posibilitatea de a \u00eencepe cu bani pu\u021bini: suma minim\u0103 acceptat\u0103 este de 30 de reale! Foarte u\u0219or de \u00eenceput, nu-i a\u0219a?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu toate acestea, r\u0103scump\u0103rarea de valori are pierderi atunci c\u00e2nd are loc pe termen scurt \u0219i \u00eenainte de data de scaden\u021b\u0103 pe care a\u021bi definit-o la plasarea banilor.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"10-cdb-certificado-de-dep%C3%B3sito-banc%C3%A1rio\">CDB (Certificat de depozit bancar)<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aceasta este o alt\u0103 alternativ\u0103 bun\u0103 pentru cei care nu mai doresc s\u0103 deschid\u0103 un cont de economii. Pentru c\u0103 CDB este un tip de activ cu venit fix, foarte sigur \u0219i cu risc sc\u0103zut. Astfel, a investi \u00een CDB este ca \u0219i cum ai \u00eemprumuta banii b\u0103ncii pentru ca aceasta s\u0103 func\u021bioneze, \u0219i astfel ob\u021bii remunera\u021bie.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00cen plus, CDB are lichiditate zilnic\u0103 (precum \u0219i economii), \u0219i po\u021bi investi cu risc sc\u0103zut \u0219i cu posibilitatea de a retrage sume atunci c\u00e2nd este nevoie. Exist\u0103 \u00eens\u0103 \u0219i op\u021biunea CDB cu r\u0103scump\u0103rare predeterminat\u0103, \u00een care r\u0103scump\u0103rarea nu poate avea loc dec\u00e2t la sf\u00e2r\u0219itul acestei perioade, gener\u00e2nd randamente mai mari.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2mP4Cd\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/cdb-picpay-um-dos-melhores-rendimentos-do-mercado\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"CDB PicPay: unul dintre cele mai bune randamente de pe pia\u021b\u0103\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6ef9a886-7b0e-4651-b165-a234e3ee5e2c\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/cdb-picpay-um-dos-melhores-rendimentos-do-mercado\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"CDB PicPay: unul dintre cele mai bune randamente de pe pia\u021b\u0103\">\n            CDB PicPay: unul dintre cele mai bune randamente de pe pia\u021b\u0103        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Cunoa\u0219te\u021bi CDB PicPay? Dac\u0103 nu, este timpul s\u0103 cunoa\u0219tem acest randament zilnic al lichidit\u0103\u021bii care este considerat unul dintre cele mai bune de pe pia\u021b\u0103. Afla\u021bi mai multe!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/cdb-picpay-um-dos-melhores-rendimentos-do-mercado\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/ro\/cdb-picpay-um-dos-melhores-rendimentos-do-mercado\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/6ef9a886-7b0e-4651-b165-a234e3ee5e2c\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                CDB PicPay: unul dintre cele mai bune randamente de pe pia\u021b\u0103              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/ro\/cdb-picpay-um-dos-melhores-rendimentos-do-mercado\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continua s\u0103 cite\u0219ti                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Ve\u021bi r\u0103m\u00e2ne pe acela\u0219i site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"11-letras-de-cr%C3%A9dito-imobili%C3%A1rio-lci-e-do-agroneg%C3%B3cio-lca\">Scrisori de credit imobiliar (LCI) \u0219i Scrisori de agrobusiness (LCA)<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acest tip de investi\u021bie este destul de avantajos \u00een compara\u021bie cu deschiderea unui cont de economii. Pentru c\u0103 sunt scuti\u021bi de impozitul pe venit. Cu toate acestea, ve\u021bi avea nevoie de o sum\u0103 mai mare pentru a \u00eencepe s\u0103 investi\u021bi. \u00cen acest caz, minimul \u00een general este de 5 mii de reali, cu o perioad\u0103 de gra\u021bie de 90 de zile pentru a v\u0103 putea r\u0103scump\u0103ra banii \u0219i veniturile.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"12-previd%C3%AAncia-privada\">pensie privat\u0103<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cu o pensie privat\u0103 po\u021bi investi \u00een condi\u021biile pe care le dore\u0219ti, fie c\u0103 sunt lunare sau nu. \u00cen plus, ai banii t\u0103i \u00een investi\u021bii cu venit fix \u0219i, de asemenea, \u00een ac\u021biuni, oferind un randament bun \u00een timp.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Dar trebuie s\u0103 studiezi \u0219i s\u0103-\u021bi alegi bine planul de pensii private, astfel \u00eenc\u00e2t s\u0103 pl\u0103te\u0219ti o cot\u0103 mai mic\u0103 la Impozitul pe Venit, sau chiar s\u0103 fii scutit atunci c\u00e2nd trebuie s\u0103 r\u0103scump\u0103rezi sumele.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"13-afinal-abrir-uma-poupan%C3%A7a-ou-n%C3%A3o\">La urma urmei, deschide un cont de economii sau nu?<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Afinal, abrir uma poupan\u00e7a ou n\u00e3o?\"  id=\"23358\" src=\"https:\/\/ucarecdn.com\/d03e83a7-0bc6-41a0-8b4e-4ca2f84c6a71\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La urma urmei, deschide un cont de economii sau nu?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, economiile ofer\u0103 totu\u0219i o bun\u0103 siguran\u021b\u0103 pentru cei care \u00ee\u0219i pun banii \u00een ea. Pentru c\u0103 Fondul de Garantare a Creditelor acoper\u0103 limita de 70 de mii de reale \u00een caz de faliment sau alte probleme cu institu\u021bia financiar\u0103.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Totu\u0219i, \u00een ceea ce prive\u0219te veniturile, deschiderea unui cont de economii nu mai este cea mai bun\u0103 op\u021biune pentru cei care vor s\u0103 fac\u0103 banii s\u0103 conteze, \u0219i nu doar s\u0103-i lase s\u0103 se acumuleze.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, ceea ce recomand\u0103m este ca persoana respectiv\u0103 s\u0103 caute investi\u021bii \u00een obliga\u021biuni de stat \u0219i cu venit fix, deoarece acestea aduc aceea\u0219i siguran\u021b\u0103 ca \u0219i economiile, dar cu randamente mai bune pentru tine.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A\u0219adar, fi\u021bi aten\u021bi la op\u021biunile cu venit fix, \u00een special la cele sugerate mai sus. Dar nu numai acestea! Ei bine, pe portalul nostru Mister Panda avem informa\u021bii bune pentru a g\u0103si cea mai bun\u0103 alternativ\u0103, dac\u0103 te-ai convins s\u0103 nu deschizi un cont de economii pentru a-\u021bi l\u0103sa banii.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pe scurt, v\u0103 suger\u0103m s\u0103 c\u0103uta\u021bi aceste op\u021biuni \u00eenainte de a lua \u00een considerare deschiderea de economii \u0219i s\u0103 c\u0103uta\u021bi mai multe informa\u021bii pe portalul nostru.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Acest lucru ne duce la sf\u00e2r\u0219itul articolului nostru exclusiv despre economisire \u0219i dac\u0103 \u00eenc\u0103 mai merit\u0103. Dar ce crezi? Sunte\u021bi de acord cu concluzia noastr\u0103 \u0219i cu informa\u021biile noastre?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sper\u0103m c\u0103 am ajutat \u0219i am f\u0103cut acest proces de decizie mai u\u0219or! P\u00e2n\u0103 mai t\u00e2rziu!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1ka3QI\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/ro\/o-que-e-cdb-cdi-selic-lca-lci-lc-fgc-coe\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Ce este CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/61371ee1-cc83-42e9-9c65-202301244f40\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/ro\/o-que-e-cdb-cdi-selic-lca-lci-lc-fgc-coe\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Ce este CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE?\">\n            Ce este CDB, CDI, SELIC, LCA, LCI, LC, FGC, COE?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Acestea \u0219i multe alte acronime fac parte din pia\u021ba financiar\u0103 \u0219i pot p\u0103rea adesea \u00eenfrico\u0219\u0103toare \u0219i complicate. De fapt, sunt simple. Afl\u0103 totul aici!        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/ro\/o-que-e-cdb-cdi-selic-lca-lci-lc-fgc-coe\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continua s\u0103 cite\u0219ti            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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