{"id":5290,"date":"2022-03-04T11:25:43","date_gmt":"2022-03-04T11:25:43","guid":{"rendered":"https:\/\/ccib.ro\/afacerea\/?p=5290"},"modified":"2022-03-07T12:16:06","modified_gmt":"2022-03-07T12:16:06","slug":"pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor","status":"publish","type":"post","link":"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/","title":{"rendered":"Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/revista-afacerea.ro\/afacerea\/wp-json\/wp\/v2\/posts\/5290?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/ccib.ro\/afacerea\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/revista-afacerea.ro\/afacerea\/wp-json\/wp\/v2\/posts\/5290?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/ccib.ro\/afacerea\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p>Companiile au la dispozi\u021bie, de doi ani deja, pe l\u00e2ng\u0103 planurile de ac\u021biuni a\u0219a numitele \u201eStock Option Plans\u201d, un alt instrument ce le poate ajuta s\u0103 se diferen\u021bieze pe pia\u021b\u0103, s\u0103 atrag\u0103 \u0219i s\u0103-\u0219i p\u0103streze angaja\u021bii \u2013 schema de pensii ocupa\u021bionale. De ce nu \u00eel folosesc? Potrivit Claudiei Sofianu, Partener, Liderul departamentului Impozit pe venit \u0219i contribu\u021bii sociale, EY Rom\u00e2nia \u015fi a Cristinei Cristea, Senior Manager, Impozit pe venit \u0219i contribu\u021bii sociale, EY Rom\u00e2nia, din lips\u0103 de claritate a cadrului fiscal \u0219i, p\u00e2n\u0103 de cur\u00e2nd, din lipsa unui administrator autorizat de fonduri de pensii ocupa\u021bionale. Speciali\u015ftii EY cita\u0163i subliniaz\u0103 \u00eentr-un material de opinie remis redac\u0163iei c\u0103 fondurile de pensii ocupa\u021bionale pot fi un vector de imagine puternic pe pia\u021ba muncii \u015fi o component\u0103 foarte important\u0103 de reten\u021bie, detaliu extrem de important pe o pia\u021b\u0103 a muncii caracterizat\u0103, mai ales \u00een aceast\u0103 perioad\u0103, de volatilitate \u0219i fluctua\u021bie.<\/p>\n<p>Conform sursei amintite, structura de func\u021bionare este, \u00een fapt, foarte simpl\u0103 \u2013 compania deschide un fond de pensii ocupa\u021bionale, \u00een care vars\u0103 o anumit\u0103 contribu\u021bie. Acesteia i se va al\u0103tura contribu\u021bia salariatului, dac\u0103 acesta dore\u0219te s\u0103 participe. Angajatorul are, totodat\u0103, libertatea de a stabili cuantumuri diferen\u021biate de contribu\u021bie proprie pentru fiecare angajat, \u00een func\u021bie de anumite criterii, cum ar fi vechimea, func\u021bia de\u021binut\u0103 sau nivelul salarial, dar, odat\u0103 ce decide s\u0103 ofere pensii ocupa\u021bionale, angajatorul este obligat s\u0103 ofere acest beneficiu tuturor salaria\u021bilor \u0219i s\u0103 vireze contribu\u021biile sale. Vreme de trei ani, banii sunt ai angajatorului \u0219i orice decizie de a p\u0103r\u0103si firma \u00een acest interval de timp duce la pierderea beneficiului. Dar, la finele celor trei ani, banii devin ai angajatului. Dreptul acestuia la pensia ocupa\u021bional\u0103 se deschide, la cerere, \u00eencep\u00e2nd cu data \u00eemplinirii v\u00e2rstei standard de pensionare, cu respectarea condi\u021biilor prev\u0103zute de schem\u0103 \u0219i prospect \u0219i \u00een conformitate cu legisla\u021bia privind plata pensiilor private.<\/p>\n<p>\u201c\u00cen fond, nu vorbim despre o idee nou\u0103 \u2013 ci despre adoptarea uneia mai vechi (\u00eenc\u0103 din 1917, Norvegia \u0219i Suedia lansau aceste scheme de pensii ocupa\u021bionale) \u2013 dar care \u0219i-a dovedit func\u021bionalitatea\u201d, se arat\u0103 \u00een materialul citat. Speciali\u015ftii EY Rom\u00e2nia puncteaz\u0103 c\u0103, \u00een prezent, Germania, acoper\u0103 prin pilonul de pensii ocupa\u021bionale circa 60% din angaja\u021bi. Olanda \u015fi Danemarca, de asemenea, folosesc schemele ocupa\u021bionale pentru a cre\u0219te valoarea pensiilor angaja\u021bilor la momentul retragerii din via\u021ba activ\u0103, iar mai aproape de noi, \u00een Polonia, \u00eenc\u0103 de anul trecut, schema ar fi trebuit s\u0103 poat\u0103 fi accesat\u0103 at\u00e2t de angaja\u021bii companiilor mari, c\u00e2t \u0219i de cei ai IMM-urilor .<\/p>\n<p>Revenind la Rom\u00e2nia, Claudia Sofianu \u015fi Cristina Cristea atrag aten\u0163ia c\u0103, din punct de vedere fiscal, Legea 1\/2020, cea prin care sunt stabilite condi\u021biile \u00een care un angajator poate participa la asigurarea unor beneficii angaja\u021bilor s\u0103i, care transpune, practic, o Directiv\u0103 european\u0103, men\u021bioneaz\u0103 c\u0103 sumele reprezent\u00e2nd contribu\u021biile la fondurile de pensii ocupa\u021bionale sunt deductibile fiscal, f\u0103r\u0103 s\u0103 ofere, \u00eens\u0103, detalii. Din p\u0103cate, la doi ani distan\u0163\u0103, lucrurile nu sunt mai clare, nici m\u0103car pentru speciali\u015fti, care trag un semnal privind necesitatea clarific\u0103rii unor aspecte deosebit de importante at\u00e2t pentru angajatorul care decide s\u0103 \u00eenfiin\u0163eze un fond de pensii ocupa\u0163ional, c\u00e2t \u015fi pentru angaja\u0163i. De exemplu, nu este clar dac\u0103 angaja\u021bii pot beneficia de o baz\u0103 impozabil\u0103 redus\u0103 la calculul impozitului pe venit \u015fi nici dac\u0103 angajatorii pot acorda angaja\u021bilor proprii alt tip de beneficii cu tratament fiscal favorabil (care s\u0103 nu fie subiect de impozit pe venit \u0219i contribu\u021bii sociale).<\/p>\n<p>Cum nota de fundamentare a Legii men\u021bioneaz\u0103 c\u0103 prevederile aplicabile deductibilit\u0103\u021bii sumelor reprezent\u00e2nd contribu\u021biile angajatorului \u0219i ale angajatului, precum \u0219i plata beneficiilor se supun prevederilor Codului Fiscal, mediul de afaceri a a\u0219teptat entuziast \u0219i confirmarea unor astfel de prevederi.<\/p>\n<p>Conform speciali\u015ftilor EY Rom\u00e2nia, Codul Fiscal prevede tratamentul fiscal aplicabil contribu\u021biilor privind pensiile facultative \u2013 acestea nef\u0103c\u00e2nd subiectul taxelor salariale \u00eentr-o limit\u0103 de deductibilitate de 400 de euro de persoan\u0103, \u00eens\u0103 ace\u015ftia se \u00eentreab\u0103 \u00een materialul de opinie citat dac\u0103 \u201cinten\u021bia legiuitorului a fost includerea contribu\u021biilor \u00een cadrul pensiilor ocupa\u021bionale \u00een acela\u0219i plafon neimpozabil. S\u0103 fi fost oare aceasta inten\u021bia? Sau doar includerea acestora \u00een categoria veniturilor salariale \u0219i astfel urm\u00e2nd a fi considerate doar costuri deductibile la calculul impozitului pe profit?\u201d<\/p>\n<p>\u201cAm sperat c\u0103 normele metodologice vor aduce clarific\u0103ri suplimentare privind tratamentul fiscal aplicabil \u00eens\u0103, la doi ani distan\u021b\u0103 de la apari\u021bia legii privind pensiile ocupa\u021bionale \u0219i nici o lun\u0103 de la apari\u021bia primului administrator autorizat din Rom\u00e2nia, BCR Pensii, nu avem \u00eenc\u0103 clarific\u0103ri pe plan fiscal\u201d, atrag aten\u0163ia Claudia Sofianu \u015fi Cristina Cristea, care sper\u0103 ca acest tip de beneficii s\u0103 fie introduse \u00een categoria celor neimpozabile.<\/p>\n<p>\u201c\u00cen vederea stimul\u0103rii particip\u0103rii la fondul de pensii ocupa\u021bionale \u0219i a angaja\u021bilor, aceste contribu\u021bii ar trebui \u0219i ele s\u0103 fie incluse \u00een categoria celor deductibile la calculul impozitului pe venit\u201d, apreciaz\u0103 speciali\u015ftii EY Rom\u00e2nia, care sper\u0103 totu\u0219i ca \u201c\u00eenregistrarea BCR Pensii ca administrator autorizat de fonduri de pensii ocupa\u021bionale s\u0103 fie factor accelerator \u00een clarificarea acestui aspect \u0219i emiterea normelor metodologice de aplicare a legii\u201d.<\/p>\n<p style=\"text-align: right;\"><strong>C. \u015eERB\u0102NESCU<br \/>\n<\/strong><strong><a href=\"mailto:cristina.serbanescu@ccib.ro\">cristina.serbanescu@ccib.ro<\/a> <\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Companiile au la dispozi\u021bie, de doi ani deja, pe l\u00e2ng\u0103 planurile de ac\u021biuni a\u0219a numitele \u201eStock Option Plans\u201d, un alt instrument ce le poate ajuta s\u0103 se diferen\u021bieze pe pia\u021b\u0103, s\u0103 atrag\u0103 \u0219i s\u0103-\u0219i p\u0103streze angaja\u021bii \u2013 schema de pensii ocupa\u021bionale. De ce nu \u00eel folosesc? Potrivit Claudiei Sofianu &#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-5290","post","type-post","status-publish","format-standard","hentry","category-pentru-afacerea-dvs","issue-serie-noua-nr-16-04-03-2022-26-04-2022"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor - Afacerea<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor - Afacerea\" \/>\n<meta property=\"og:description\" content=\"Companiile au la dispozi\u021bie, de doi ani deja, pe l\u00e2ng\u0103 planurile de ac\u021biuni a\u0219a numitele \u201eStock Option Plans\u201d, un alt instrument ce le poate ajuta s\u0103 se diferen\u021bieze pe pia\u021b\u0103, s\u0103 atrag\u0103 \u0219i s\u0103-\u0219i p\u0103streze angaja\u021bii \u2013 schema de pensii ocupa\u021bionale. De ce nu \u00eel folosesc? Potrivit Claudiei Sofianu ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/\" \/>\n<meta property=\"og:site_name\" content=\"Afacerea\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-04T11:25:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-07T12:16:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/revista-afacerea.ro\/afacerea\/wp-content\/uploads\/2021\/01\/facebook-cover.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"\u0218erb\u0103nescu Cristina\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u0218erb\u0103nescu Cristina\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/\",\"url\":\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/\",\"name\":\"Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor - Afacerea\",\"isPartOf\":{\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/#website\"},\"datePublished\":\"2022-03-04T11:25:43+00:00\",\"dateModified\":\"2022-03-07T12:16:06+00:00\",\"author\":{\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/#\/schema\/person\/ceb65c8cc8ed64d512809cf287a5c09f\"},\"breadcrumb\":{\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Prima pagin\u0103\",\"item\":\"https:\/\/revista-afacerea.ro\/afacerea\/?issue=serie-noua-nr-41-15-01-01-2025-14-02-2025\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/#website\",\"url\":\"https:\/\/revista-afacerea.ro\/afacerea\/\",\"name\":\"Afacerea\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/revista-afacerea.ro\/afacerea\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/#\/schema\/person\/ceb65c8cc8ed64d512809cf287a5c09f\",\"name\":\"\u0218erb\u0103nescu Cristina\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\/\/revista-afacerea.ro\/afacerea\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4cd5c0bd17d39883f148ea9bb5d3745b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4cd5c0bd17d39883f148ea9bb5d3745b?s=96&d=mm&r=g\",\"caption\":\"\u0218erb\u0103nescu Cristina\"},\"url\":\"https:\/\/revista-afacerea.ro\/afacerea\/author\/cristina-serbanescu\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor - Afacerea","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/revista-afacerea.ro\/afacerea\/pensiile-ocupationale-instrument-de-motivare-si-retentie-a-angajatilor\/","og_locale":"ro_RO","og_type":"article","og_title":"Pensiile ocupa\u021bionale \u2013 instrument de motivare \u0219i reten\u021bie a angaja\u021bilor - Afacerea","og_description":"Companiile au la dispozi\u021bie, de doi ani deja, pe l\u00e2ng\u0103 planurile de ac\u021biuni a\u0219a numitele \u201eStock Option Plans\u201d, un alt instrument ce le poate ajuta s\u0103 se diferen\u021bieze pe pia\u021b\u0103, s\u0103 atrag\u0103 \u0219i s\u0103-\u0219i p\u0103streze angaja\u021bii \u2013 schema de pensii ocupa\u021bionale. 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