Retirement investing: a pension built by you
How to build your own retirement income through real investments and a prudent approach suited to a long horizon. Clear theory, step by step, with a mentor — not speculation and not fast trading.
Who it's meant for
The course is for people who want a retirement plan built on real investments and on time, not on quick wins. We start from zero — you don't need any market experience.
It's a good fit if
- You don't want to depend on the state pension alone, and you're thinking ahead about it.
- You have a stable income and can set aside an amount every month.
- You prefer a prudent, long-term approach, not day-to-day speculation.
- You've heard of ETFs, bonds or funds, but don't know where to start.
It's not for you (yet) if
- You're after quick gains or short-term speculation — that belongs to trading, a different field.
- You expect ready-made signals or "hot tips" — we teach the method, not signals.
- You want someone else to manage your money — the course teaches you to decide for yourself; we don't manage portfolios.
What you learn
Seven topics, split into 3 lessons over 3 days. From "why" and "how much time do I need" all the way to your concrete accumulation and withdrawal plan.
Why build your own pension
Where Moldova's pension system stands and why it's worth supplementing. No alarmism — just the numbers that justify a long-term plan. See the "Retirement investing" page.
Time and compound interest
Your most powerful ally. How a small monthly contribution, left to grow over decades, matters more than the "perfect" entry moment.
Long-term risk and diversification
How risk changes over a long horizon, why diversification matters and what low risk means — not zero risk. Volatility versus real risk.
The instruments for retirement
Stocks, bonds, diversified ETFs and funds — explained from scratch. What suits a retirement goal. We also cover Moldova's Pillar III voluntary pensions as a complementary option.
Allocation by age and horizon
How the split between assets adjusts as you approach retirement — from a focus on growth toward a focus on protecting capital.
The withdrawal phase and taxation in Moldova
How to draw your money in retirement as a sustainable income (the 4% rule as a guiding principle). We also walk through Moldova's general tax framework, at an informational level, with the recommendation to confirm the details with an accountant or the tax authority.
You build your plan + final test
You put it all together into an accumulation plan that fits you and take the test that confirms you have the foundation. At the end you receive the certificate of completion.
We teach the method, not signals
The course gives you the theoretical foundation and the way of thinking about retirement investing: how the instruments work, how time works for you and how risk is balanced over the long term. We explain the principles and show you how they apply, but the decisions remain yours.
We don't tell you exactly what to buy, when or how much, and we don't manage your money. Personalized investment recommendations and portfolio management are regulated services, reserved for authorized entities. The certificate of completion attests that you finished the course, not an officially recognized qualification.
How it goes
Enrollment
You pick the format, leave your details and we set the days together.
3 lessons × 2 hours
Over the course of 3 days, online or at the office, with a mentor.
Final test
You confirm you've understood the foundation, with explanations wherever needed.
Certificate
You receive the certificate of completion in your personal account.
Free check-in
About 1 week later, a short free follow-up conversation.
Choose how you learn
The same course, three formats
The content, the test and the certificate of completion are identical. Only the class size, the pace and the price differ. You choose the format when you enroll.
- One-on-one — just you and the mentor, with a fully flexible schedule.
- In two (dual) — you and a friend or your life partner, at −20% per person. Often the most productive: you learn together and stay in touch after the course, keeping each other accountable once you start applying.
- In a group — a small group of up to 8 people, with announced start dates. The most affordable price.
Retirement Investing
~6 hours · 3 lessons × 2 hours · certificate of completion
At the next step you choose the format — one-on-one, in two or in a group — and leave your details. Payment is made after your seat is confirmed.
No need to travelEncrypted connection
For the one-on-one or dual format, online is usually the most convenient. You get the same quality as at the office, from wherever you are and with no commute. We connect through our app, over an encrypted connection, and work together in real time via screen sharing. Groups meet at the office, in the center of Chișinău.
Included in the course
The 3 lessons with a mentor
6 hours of structured theory, online or at the office.
The course materials
Access in your personal account to the materials from every lesson.
Final test + certificate of completion
A document issued by the school attesting you completed the course. It is not an officially recognized qualification, nor a trading license.
The free follow-up consultation
About 1 week after the course, a short conversation where we check that you've understood everything correctly.
The road ahead
The course gives you the plan and the foundation. Right after, you have a free check-in included; and when you're ready to apply it to your own situation, the personalized step follows.
The free follow-up consultation
About a week after the course, we check together that you've understood the material correctly, before you move to action. It's included, at no cost — you schedule it after the course ends.
The personalized step
When you're ready to apply it to your own numbers — age, horizon, how much you can set aside — the "Retirement investing" consultation helps you build and verify your own plan. We don't tell you what to buy. See the consultation
If you want to go deeper into asset selection and company analysis, beyond the retirement goal, you can continue with the Stock Market Investing course. And for a free overview of the topic, there's the Retirement investing page. We stay by your side for as long as you need.
What students want to know
No. The course starts from zero. If you've never heard of an ETF, a bond or compound interest, this is exactly the course you need — we explain them all from the beginning.
A long horizon helps the most, but a well-built plan makes sense even closer to retirement — only the allocation and the expectations change. In the course you see what the plan looks like for each situation.
The course teaches you the accumulation method; it doesn't ask you to invest during it. We don't work with minimum capital thresholds — the central idea is a constant contribution, however small, left to grow over time.
6 hours, split into 3 lessons of 2 hours each, over the course of 3 days. For one-on-one and dual we set the days together; groups have fixed start dates.
No. We teach the method and the principles — how the instruments work, how allocation is chosen, how to think about long-term risk. Personalized investment recommendations are a regulated service, reserved for authorized entities.
The course gives you the foundation and the general plan. The "Retirement investing" consultation is the personalized step: we apply the principles to your concrete numbers. Many people take the course first, then the consultation.
No. No serious course can promise a result. Investing involves risk, including the risk of losing part of your capital. The course gives you the right foundation to make informed decisions — that's all.
Start building your pension
Not sure where to start? Begin with a free 30-minute introduction, no strings attached.
Trading.md provides financial education. We are not a broker and we are not authorized by the CNPF to provide investment advice. The course teaches methods and principles, not personalized recommendations to buy a specific instrument, and not portfolio management. Investing involves risks, including the risk of losing the invested capital. Past results do not guarantee future results.