The retirement savings accumulated by 270,000 Romanians in funds managed by BT Pensii exceeded RON 1 billion.

Since the beginning of this year, BT Pensii has attracted 55,000 new participants. 25% of them enrolled entirely online, through the BT Pay app.

Compared to July 2025, the number of people saving in the voluntary pension funds Pensia Mea and Pensia Mea Plus has increased by 50%, as has the value of monthly contributions. At the same time, one in two people who chose to save in a voluntary pension fund over the past 12 months opted for BT Pensii.

A Shift in Mindset: Saving for Retirement Becomes Part of Financial Planning

The figures show that for an increasing number of Romanians, saving for retirement is part of their long-term financial planning thus not being any longer just an option. A privately managed voluntary pension includes the money accumulated in a fund for a future private pension, which supplements the public pension upon retirement. Both the employee and the employer on behalf of the employee can contribute to this fund, as a additional benefit to the salary.

The Romanian pension system comprises Pillar 1 (the public state pension), Pillar 2 (the mandatory private pension), and Pillar 3 (the voluntary private pension). BT Pensii is the only Romanian company in the voluntary private pension market and one of the largest private pension fund managers in the sector.

Economic and demographic context,  according to data from the National Institute of Statistics

• In Romania, the public pension is significantly lower than the income obtained during one’s working years: the monthly average is nearly RON 3,000, equivalent to about half the average net salary.
  
  
• Romania’s declining population—now at 19 million people—is linked to several factors: low birth rates, a persistent negative natural increase, international migration, and changing demographic and family patterns.
  
  
• The ratio of working people to state social security pensioners is increasing in an unbalanced manner in Romania, currently standing at 10:8.
  
  
• The average age of Romania’s population has increased to nearly 43 years.
  
  
• On the other hand, life expectancy in Romania has also increased to over 76 years, meaning that people spend more years in retirement than in the past, which means Romanians need financial resources for a longer period after the end of their working lives.
  
  

Demographic and social trends are contributing to a growing labor shortage and rising public spending on pensions, healthcare, and social care. For this reason, saving additional funds for retirement is becoming increasingly important for maintaining a certain standard of living after retirement.