Optional private pensions Pillar 3
Invest today
for me
tomorrow
The present deserves to be lived to the full, but so do you, tomorrow. You can start building your future today if you choose to save
through a private pension fund.
The investment that
takes care of you
Choose the right background
There are two optional pension funds, Pensia Mea and Pensia Mea+, each with different features.
You decide the pace
You can stop or restart contributions at any time, or change the monthly amount, depending on what's best for you.
Long-term safety
Your money is professionally managed and responsibly invested in regulated products.
Start step by step
The minimum monthly contribution you can start with is 60 lei for Pensia Mea or 50 lei for Pensia Mea+.
You have complete control
View the current balance, history, type and details of your contributions and the number of fund units held.
It's your pension,
for real
The money is yours to keep track of, you know where it's going, you can follow the evolution of the fund directly from your phone and everything you save becomes your future. A monthly amount, even 100 lei, can have a big impact over time. It's the kind of habit that's easy to build and brings long-term results. Changing jobs? No problem. Your contributions stay in your account.
Past performance is not a guarantee of future performance. Read the prospectus and key investor information (KII).
All you need
to do in BT Pay
Download the BT Pay app Tell us a few things about yourself and confirm your identity You choose your optional private pension fund according to your preferences and the BT current account from which you want to pay your contribution That's it! From now on, your future has a good plan
Quick help
Pensia Mea+ is the optional pension fund managed by BT Pensii, a fund taken over from BRD Societate de Administrare a Fondurilor de Pensii Private S.A. The minimum contribution to Pensia Mea+ is 50 lei per month and must not exceed 15% of gross income.
Log into BT Pay and follow the steps there. 🥰
Or, get in touch with a BT marketer and sign up to My Pension. Email us at contact@btpensii.ro Or call 0212 038 038 400 to find out where your nearest colleague can help 😉
To check if your contributions to BT Pensions have been cashed in, you can go into BT Pay, investments tab, and select the pension fund you've transferred your contribution to. Or you can access the Online Account on the BT Pensions website. There you'll find detailed information about the amounts cashed in and how they've been allocated.
To access your account online, visit BT Pensions - Online account. 😊
But don't worry, after each transfer and after the proper allocation of the money, you will receive a text message to the phone number stated in the membership form. ✨
Pillar 3 is your voluntary privately managed voluntary pension, i.e. the money you voluntarily accumulate for your future pension. 👍
In this scheme, you can contribute both as an employee - on your own account and through your employer - on your own behalf, as a form of fringe benefit.
The monthly voluntary pension contribution is tax-deductible up to a maximum of €400 💶 for the employee and fully tax-deductible for the employer contributing on your behalf.
The money you contribute to your voluntary pension is in your name and only you can dispose of it. 😮
Pillar 1 is the state pension you'll get after you retire each year. 👴
Your state pension is a percentage of your final salary before you retire. This percentage 📉 decreases every year.
According to EFOR estimates, if for those retiring now, the monthly state pension is about 48% of final salary, for those retiring in 2040 (i.e. those who are now 45 years old), the state pension will be about 24% of final salary. 😉
If you joined the optional pension fund through BT Pay, you can change the amount of your contribution directly from BT Pay. Otherwise, you complete - Application to Change Contract Terms and email the signed form to contact@btpensii.ro. 😉
Do good
for your future
Direct from BT Pay, you can choose the right optional private pension to suit your lifestyle.
