Tipuri de pensii capitalizate cu o participare mare
TYPES OF CAPITALIZED PENSIONS WITH LARGE PARTICIPATION

Summary/Abstract: The main purpose of any pension system is that of helping the citizens to realize an equal allocation of financial resources in certain steps, to assure their consume and needs for their whole lifetime. This is realized by transferring resources from their active life for their pension time, time characterized preponderantly by consume and not by obtaining income. The pensions may come from another source than from the state. They may represent a mechanism of redistribution for transferring resources from the rich social segments to the poor, which aren’t able to make economies to create necessary savings. Although redistribution is not a pension system request, they make the pension scheme different from the “social assurance” scheme. Generally, the schemes based on redistribution foresee or should foresee a minimum pension level. The pension systems may be classified depending on many criterions. If we take into consideration the promised benefits and the way in which promises are financed, we could talk about two types of plans: defined benefit (DB) and defined contribution (DC).

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