{"id":2003,"date":"2023-02-01T10:20:00","date_gmt":"2023-02-01T09:20:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2003"},"modified":"2024-10-02T16:33:06","modified_gmt":"2024-10-02T14:33:06","slug":"treti-pilier-je-danovo-zvyhodneny","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/treti-pilier-je-danovo-zvyhodneny\/","title":{"rendered":"3.pilier &#8211; ak\u00e9 m\u00e1 v\u00fdhody a \u010do o \u0148om treba vedie\u0165"},"content":{"rendered":"\n<p><b>Prispievate si do tretieho piliera? Potom v\u00e1m z doplnkovej d\u00f4chodkovej spolo\u010dnosti (DDS) chod\u00ed ka\u017ed\u00fd rok v\u00fdpis z v\u00e1\u0161ho sporiaceho \u00fa\u010dtu. Ak m\u00e1te zmluvu uzavret\u00fa po roku 2014, DDS v\u00e1m posiela aj potvrdenie o zaplaten\u00fdch pr\u00edspevkoch, ktor\u00e9 dolo\u017e\u00edte k da\u0148ov\u00e9mu priznaniu. M\u00f4\u017eete tak u\u0161etri\u0165 na dani, \u010do je jednou z v\u00fdhod tretieho piliera.<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>Pre\u010do si skontrolova\u0165 v\u00fdpis z 3. piliera<\/li>\n\n\n\n<li>Ak\u00e9 fondy si zvoli\u0165 pod\u013ea v\u00e1\u0161ho veku<\/li>\n\n\n\n<li>Ko\u013eko m\u00f4\u017eete u\u0161etri\u0165 na daniach<\/li>\n\n\n\n<li>Komu sa 3. pilier najviac oplat\u00ed<\/li>\n\n\n\n<li>Kedy m\u00f4\u017eete vybra\u0165 nasporen\u00e9 peniaze<\/li>\n\n\n\n<li>Ako sa e\u0161te pripravi\u0165 <a href=\"https:\/\/www.fingo.sk\/investovanie\">na d\u00f4chodok<\/a><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Do tretieho piliera si na Slovensku dobrovo\u013ene prispieva <strong>viac ako mili\u00f3n<\/strong><\/span><b> sporite\u013eov<\/b><span style=\"font-weight: 400;\">.&nbsp;Sl\u00fa\u017ei na to, aby sme si vytvorili doplnkov\u00fd zdroj pr\u00edjmu, ktor\u00fd nesk\u00f4r vyu\u017eijeme pri odchode do penzie. Spolieha\u0165 sa len na d\u00f4chodok zo Soci\u00e1lnej pois\u0165ovne&nbsp;je pri s\u00fa\u010dasnom nastaven\u00ed d\u00f4chodkov\u00e9ho syst\u00e9mu na Slovensku riskantn\u00e9, a&nbsp;tak sa <\/span><b>na starobu mus\u00edme zabezpe\u010di\u0165 <\/b><span style=\"font-weight: 400;\">aj inak. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Je pravda, \u017ee 3. p<\/span><span style=\"font-weight: 400;\">ilier nedosahuje tak\u00e9 v\u00fdnosy ako priame <a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\">invest\u00edcie<\/a> cez podielov\u00e9 alebo <a href=\"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/\">ETF fondy<\/a>. No aj v\u010faka tomu, \u017ee si v \u0148om nem\u00f4\u017eete zru\u0161i\u0165 svoje konto hne\u010f pri prvom zav\u00e1han\u00ed, vytvor\u00edte sa postupne v\u00e4\u010d\u0161\u00ed objem pe\u0148az\u00ed, s&nbsp;ktor\u00fdmi si <\/span><b>na d\u00f4chodku prilep\u0161\u00edte.<\/b><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>M\u00f4\u017eete vyu\u017ei\u0165 nielen zhodnotenie fondov, ale najm\u00e4 da\u0148ov\u00fa \u00fa\u013eavu a zamestnanci aj pr\u00edspevky zamestn\u00e1vate\u013ea. \u010c\u00edm viac r\u00f4znych zdrojov pr\u00edjmu si pred odchodom do d\u00f4chodku zabezpe\u010d\u00edte, t\u00fdm vy\u0161\u0161ia je va\u0161a \u0161anca na d\u00f4stojn\u00fa starobu bez finan\u010dn\u00fdch probl\u00e9mov<\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Skontrolujte svoj v\u00fdpis z&nbsp;3. piliera<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Vo v\u00fdpise z tretieho piliera n\u00e1jdete inform\u00e1cie o&nbsp;tom, <\/span>ko\u013eko pe\u0148az\u00ed m\u00e1te nasporen\u00fdch,&nbsp;v&nbsp;ak\u00fdch fondoch ich m\u00e1te zainvestovan\u00e9 a&nbsp;ako sa v\u00e1m <a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\">zhodnocuj\u00fa.<\/a><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>\u010co sa nach\u00e1dza vo v\u00fdpise<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">V\u00fdpis sa v\u00e4\u010d\u0161inou sklad\u00e1 z&nbsp;dvoch \u010dast\u00ed.&nbsp;N\u00e1jdete v&nbsp;\u0148om <strong>z\u00e1kladn\u00fd preh\u013ead<\/strong> o&nbsp;va\u0161ej zmluve a&nbsp;progn\u00f3ze nasporenej sumy na d\u00f4chodku a&nbsp;v&nbsp;druhej \u010dasti s\u00fa podrobne <strong>rozp\u00edsan\u00e9 transakcie<\/strong> na va\u0161om \u00fa\u010dte sporenia za minul\u00fd rok.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Z\u00e1kladn\u00fd preh\u013ead obsahuje \u00fadaje o tom, ko\u013eko ste mali v 3. pilieri nasporen\u00fdch prostriedkov k 1. 1. 2023, ko\u013eko v\u00e1m pribudlo v priebehu roka a ak\u00e1 je va\u0161a <strong>nasporen\u00e1 suma k 31. 12. 2023<\/strong>.&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u010eal\u0161ou ve\u013emi d\u00f4le\u017eitou a&nbsp;podstatnou \u010das\u0165ou v\u00fdpisu je podrobn\u00fd <strong>preh\u013ead fondov<\/strong>, v&nbsp;ktor\u00fdch m\u00e1te zainvestovan\u00e9 peniaze a&nbsp;<strong>\u00fadaje o ich v\u00fdkonnosti<\/strong>, teda ako v\u00e1m va\u0161e fondy zhodnocovali peniaze.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak pracujete ako zamestnanec a&nbsp;na tret\u00ed pilier v\u00e1m prispieva aj zamestn\u00e1vate\u013e, v&nbsp;podrobnej\u0161om popise transakci\u00ed m\u00e1te vyp\u00edsan\u00e9 zvl\u00e1\u0161\u0165 <strong>pr\u00edspevky od zamestn\u00e1vate\u013ea<\/strong> a&nbsp;zvl\u00e1\u0161\u0165 tie va\u0161e.&nbsp;&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Na z\u00e1ver n\u00e1jdete aj inform\u00e1cie o<strong>&nbsp;odplate, n\u00e1kladoch a&nbsp;poplatkoch<\/strong>, ktor\u00e9 si va\u0161a DDS z\u00fa\u010dtovala za spr\u00e1vu a riadenie v\u00e1\u0161ho \u00fa\u010dtu doplnkov\u00e9ho d\u00f4chodkov\u00e9ho sporenia.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> V zmluve sa oplat\u00ed skontrolova\u0165 a v pr\u00edpade potreby doplni\u0165 aj <strong>opr\u00e1vnen\u00fa osobu,<\/strong> ktor\u00e1 v pr\u00edpade \u00famrtia sporite\u013ea dostane nasporen\u00e9 peniaze. \u00daspory z tretieho piliera v\u010faka tomu bud\u00fa vyplaten\u00e9 r\u00fdchlej\u0161ie, bez zd\u013ahav\u00e9ho \u010dakania na dedi\u010dsk\u00e9 konanie.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00e9 fondy si zvoli\u0165<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Posvie\u0165te si vo svojom v\u00fdpise najm\u00e4 <\/span>na fondy, do ktor\u00fdch DDS investuje va\u0161e pr\u00edspevky<span style=\"font-weight: 400;\">. Rovnako ako v 2. pilieri, aj v 3 pilieri si m\u00f4\u017eete vybra\u0165 z r\u00f4znych typov fondov &#8211; obvykle s\u00fa to <\/span><b>konzervat\u00edvny, vyv\u00e1\u017een\u00fd, akciov\u00fd alebo&nbsp;indexov\u00fd<\/b><span style=\"font-weight: 400;\">. Vybra\u0165 si m\u00f4\u017eete bu\u010f jeden z&nbsp;nich alebo kombin\u00e1ciu dvoch fondov.<\/span><\/p>\n\n\n\n<ul>\n<li><b>Ak ste mlad\u0161\u00ed<\/b><span style=\"font-weight: 400;\"> a do d\u00f4chodku v\u00e1m ost\u00e1va viac ako 10 rokov, odpor\u00fa\u010dame v\u00e1m kombin\u00e1ciu indexov\u00e9ho alebo rastov\u00e9ho fondu, v ktor\u00fdch va\u0161e prostriedky zhodnot\u00edte najv\u00fdhodnej\u0161ie.&nbsp;<\/span><\/li>\n\n\n\n<li><b>U star\u0161\u00edch klientov<\/b><span style=\"font-weight: 400;\">, ktor\u00fdm ost\u00e1va do d\u00f4chodku krat\u0161\u00ed sporiaci horizont ako 10 rokov, je zas vhodnej\u0161ie peniaze investova\u0165 do konzervat\u00edvneho alebo vyv\u00e1\u017een\u00e9ho fondu.&nbsp;&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Tak ako m\u00f4\u017eete zmeni\u0165 samotn\u00fa DDS-ku, m\u00f4\u017eete vo svojej zmluve 3. piliera<strong> raz za rok<\/strong> zmeni\u0165 aj nastavenie svojich fondov. Obr\u00e1\u0165te sa na <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk<\/a> investi\u010dn\u00fdch \u0161pecialistov, ktor\u00ed v\u00e1m va\u0161u zmluvu radi skontroluj\u00fa a&nbsp;ak bude potrebn\u00e1 zmena, poradia v\u00e1m, \u010do je vhodn\u00e9 upravi\u0165.&nbsp;&nbsp;&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pozor!<\/b><\/span><span style=\"font-weight: 400;\"> Ak si na d\u00f4chodok spor\u00edte aj v <a href=\"https:\/\/www.fingo.sk\/blog\/druhy-pilier-sa-meni-co-mozete-urobit-aby-ste-mali-co-najvyssi-dochodok\/\">2. pilieri<\/a>, v janu\u00e1ri v\u00e1m pri\u0161iel aj <strong>v\u00fdpis od d\u00f4chodkovej spr\u00e1vcovskej spolo\u010dnosti (DSS)<\/strong>. Aj ten si dobre&nbsp;prekontrolujte. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Vl\u00e1da toti\u017e v&nbsp;roku 2013 prehodila v\u0161etky \u00faspory \u013eud\u00ed v&nbsp;2. pilieri do garantovan\u00e9ho fondu. Mnoho Slov\u00e1kov si t\u00fato zmenu ani nev\u0161imlo, a&nbsp;tak nevedia, \u017ee ich v\u00fdnosy v&nbsp;s\u00fa\u010dasnosti trpia.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Okrem nastavenia fondov si vo v\u00fdpise z&nbsp;druh\u00e9ho piliera skontrolujte, \u010di v\u00e1m DSS spr\u00e1vne prip\u00edsala pr\u00edspevky za v\u0161etky mesiace, kedy ste platili odvody, ale aj to, \u010di m\u00e1te v&nbsp;zmluve uveden\u00fa<strong> opr\u00e1vnen\u00fa osobu.<\/strong> Pre\u010do je to d\u00f4le\u017eit\u00e9, si m\u00f4\u017eete pre\u010d\u00edta\u0165 v na\u0161om <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/zastarale-zmluvy\/\"><span style=\"font-weight: 400;\">\u010dl\u00e1nku.<\/span><\/a><span style=\"font-weight: 400;\">&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Vyu\u017eite da\u0148ov\u00e9 zv\u00fdhodnenie<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak ste do 3. piliera<strong> vst\u00fapili po 1. 1. 2014<\/strong>, pr\u00edde v\u00e1m spolu s v\u00fdpisom od DDS aj Potvrdenie o prijat\u00fdch platb\u00e1ch. Ke\u010f\u017ee asi najv\u00e4\u010d\u0161ou v\u00fdhodou 3. piliera je da\u0148ov\u00e9 zv\u00fdhodnenie, pr\u00e1ve toto tla\u010divo v\u00e1m posl\u00fa\u017ei ako doklad pre v\u00e1\u0161ho zamestn\u00e1vate\u013ea pri vyp\u013a\u0148an\u00ed da\u0148ov\u00e9ho priznania.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP: <\/strong><\/span>Ak ste tak e\u0161te neurobili, potvrdenie <strong>odovzdajte na mzdov\u00e9 oddelenie<\/strong> v&nbsp;pr\u00e1ci alebo ak si <strong>da\u0148ov\u00e9 priznanie pod\u00e1vate sami<\/strong>, prilo\u017ete ho ako pr\u00edlohu.<\/p>\n\n\n\n<p>Pozor, ak ste do 3. piliera vst\u00fapili <strong>do 31. 12. 2013,<\/strong> na da\u0148ov\u00fa \u00fa\u013eavu <strong>nem\u00e1te n\u00e1rok<\/strong> a platia pre v\u00e1s aj in\u00e9 pravidl\u00e1 pri n\u00e1roku na doplnkov\u00fd d\u00f4chodok. Ak chcete vyu\u017ei\u0165 v\u0161etky aktu\u00e1lne v\u00fdhody tretieho piliera, sta\u010d\u00ed <strong>podp\u00edsa\u0165 dodatok<\/strong> k va\u0161ej zmluve, ktor\u00fdm akceptujete podmienky platn\u00e9 od 1. 1. 2014.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Ko\u013eko m\u00f4\u017eete u\u0161etri\u0165 na dani<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">V\u010faka da\u0148ov\u00e9mu zv\u00fdhodneniu si m\u00f4\u017eete odpo\u010d\u00edta\u0165 od z\u00e1kladu dane sumu v\u0161etk\u00fdch pr\u00edspevkov, ktor\u00e9 ste si poslali do 3. piliera za cel\u00fd minul\u00fd rok. <\/span><b>Ale len do v\u00fd\u0161ky 180 eur<\/b><span style=\"font-weight: 400;\"> &#8211; to je maxim\u00e1lna hranica, ktor\u00fa stanovuje z\u00e1kon a&nbsp;pri tejto v\u00fd\u0161ke pr\u00edspevkov dok\u00e1\u017eete <\/span><b>u\u0161etri\u0165 na dani 34,20 eura.<\/b><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 plat\u00ed, \u017ee da\u0148ov\u00fd bonus sa r\u00e1ta len z pr\u00edspevkov, ktor\u00e9 ste si do 3. piliera poslali vy sami, teda nie z pr\u00edspevkov od v\u00e1\u0161ho zamestn\u00e1vate\u013ea. <\/span><span style=\"font-weight: 400;\">Odpor\u00fa\u010dame si preto spori\u0165 do 3. piliera <\/span><b>aspo\u0148 15 eur mesa\u010dne.<\/b><span style=\"font-weight: 400;\"> Takto sa v\u00e1m za cel\u00fd rok nazbieraj\u00fa pr\u00edspevky vo v\u00fd\u0161ke <strong>180 eur. <\/strong><\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Prispieva\u0165 si m\u00f4\u017eete aj vy\u0161\u0161iu \u010diastku, av\u0161ak st\u00e1le plat\u00ed, \u017ee da\u0148ov\u00fa \u00fa\u013eavu si m\u00f4\u017eete uplatni\u0165 len do v\u00fd\u0161ky 180 eur. <\/span><span style=\"font-weight: 400;\">Ak m\u00e1te vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky, ktor\u00e9 by ste si radi odkladali na d\u00f4chodok, m\u00f4\u017eete ich investova\u0165 aj <\/span><strong style=\"font-size: revert; color: initial;\"><a href=\"https:\/\/www.fingo.sk\/investovanie\/investicne-zlato\">do zlata.<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-text-align-left\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Keby sme sporenie v tre\u0165om pilieri porovnali s investovan\u00edm do <a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\">ETF fondov,<\/a> s tret\u00edm pilierom s\u00fa spojen\u00e9 vy\u0161\u0161ie poplatky a zisk podlieha zdaneniu. Preto <strong>neodpor\u00fa\u010dam prispieva\u0165 do 3. piliera vy\u0161\u0161ie \u010diastky<\/strong>, napr\u00edklad 50 eur \u010di 100 eur mesa\u010dne a rad\u0161ej ich<a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\"> investova\u0165 do spom\u00ednan\u00fdch ETF<\/a>, ktor\u00e9 s\u00fa spojen\u00e9 s ni\u017e\u0161\u00edmi poplatkami, dosahuj\u00fa vy\u0161\u0161ie zhodnotenie a po roku s\u00fa osloboden\u00e9 aj od zdanenia.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Komu sa 3. pilier najviac oplat\u00ed<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Tret\u00ed pilier je teda doplnkov\u00e9 sporenie na d\u00f4chodok, ktor\u00e9 je dobrovo\u013en\u00e9.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Prispieva\u0165 si do\u0148ho m\u00f4\u017eete ako fyzick\u00e1 osoba, ak ste <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/cinkla-ti-na-ucte-prva-vyplata-uz-teraz-mysli-aj-na-svoj-dochodok\/\"><b>zamestnanec<\/b><\/a>, ale aj<b> \u017eivnostn\u00edk \u010di konate\u013e spolo\u010dnosti<\/b><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">T\u00fato mo\u017enos\u0165 maj\u00fa aj <\/span><b>dohod\u00e1ri, \u0161tudenti, \u010di nezamestnan\u00ed<\/b><span style=\"font-weight: 400;\">, ktor\u00fdm tie\u017e sta\u010d\u00ed posiela\u0165 po 15 eur mesa\u010dne, aby si ro\u010dne nazbierali 180 eur a&nbsp;mohli si z nich uplatni\u0165 maxim\u00e1lny da\u0148ov\u00fd bonus.&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">3. pilier je rozhodne najv\u00fdhodnej\u0161\u00ed <\/span><b>pre zamestnancov<\/b>, ktor\u00fdm do\u0148ho<b> prispieva aj ich zamestn\u00e1vate\u013e.<\/b><span style=\"font-weight: 400;\">&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ve\u013ea firiem t\u00fato mo\u017enos\u0165 poskytuje <\/span><b>ako benefit<\/b><span style=\"font-weight: 400;\">, ke\u010f\u017ee je to v\u00fdhodn\u00e9 aj pre nich. Zamestn\u00e1vate\u013e si toti\u017e m\u00f4\u017ee svoje pr\u00edspevky odpo\u010d\u00edta\u0165 z dan\u00ed a\u017e do v\u00fd\u0161ky 6 % z vymeriavacieho z\u00e1kladu ka\u017ed\u00e9ho zo zamestnancov.&nbsp;<\/span><\/li>\n\n\n\n<li><b style=\"font-size: revert; color: initial;\">V\u00fd\u0161ku pr\u00edspevku ur\u010duj\u00fa zamestn\u00e1vatelia<\/b><span style=\"font-weight: 400;\"> v&nbsp;kolekt\u00edvnej zmluve a&nbsp;\u010dasto ide o&nbsp;konkr\u00e9tne percento zo mzdy zamestnanca. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Niektor\u00e9 firmy povedia, ko\u013eko eur si m\u00e1 spori\u0165 zamestnanec, aby mal n\u00e1rok na pr\u00edspevok aj od zamestn\u00e1vate\u013ea.&nbsp;<\/span><span style=\"font-size: revert; color: initial;\">Ak si napr\u00edklad budete posiela\u0165 do 3. piliera 5 eur mesa\u010dne, firma v\u00e1m prispeje \u010fal\u0161\u00edch 25 eur.<\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"background-color: #ffffff; color: #808080;\">V\u00fd\u0161ka pr\u00edspevku je na dohode medzi zamestnancom a zamestn\u00e1vate\u013eom. No a<span style=\"font-size: revert; background-color: #ffffff;\">j keby v\u00e1m zamestn\u00e1vate\u013e do 3. piliera neprispieval, kv\u00f4li da\u0148ov\u00e9mu bonusu sa doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie ur\u010dite oplat\u00ed aj v\u00e1m.<\/span><\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> V\u00fdhodou je aj to, \u017ee zamestnanci pr\u00edspevky od zamestn\u00e1vate\u013eov nem\u00f4\u017eu vybra\u0165 z 3. piliera sk\u00f4r ako pri odchode do d\u00f4chodku. V\u010faka tomu sa zvy\u0161uje \u0161anca, \u017ee re\u00e1lne budete ma\u0165 ur\u010dit\u00fa \u010diastku nasporen\u00fa a pripraven\u00fa na d\u00f4chodok.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>Pozor!<\/b><\/span><span style=\"font-weight: 400;\"> S\u00fa aj skupiny \u013eud\u00ed, pre ktor\u00fdch je <\/span><b>\u00fa\u010das\u0165 v&nbsp;III. pilieri povinn\u00e1.<\/b><span style=\"font-weight: 400;\"> Ide o povolania, ktor\u00e9 spadaj\u00fa do rizikovej kateg\u00f3rie 3 a 4, a taktie\u017e s\u00fa zamestn\u00e1vatelia povinn\u00ed prispieva\u0165 za tane\u010dn\u00fdch umelcov a hr\u00e1\u010dov na dychov\u00fd n\u00e1stroj.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Kedy m\u00f4\u017eete vybra\u0165 nasporen\u00e9 peniaze<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Nasporen\u00e9 peniaze z 3. piliera si m\u00f4\u017eete vybra\u0165 aj sk\u00f4r ako pri odchode do d\u00f4chodku. M\u00f4\u017eete tak urobi\u0165 <\/span>najsk\u00f4r <b>po 10 rokoch od trvania zmluvy<\/b><span style=\"font-weight: 400;\">, \u010fal\u0161\u00ed v\u00fdber potom m\u00f4\u017eete zrealizova\u0165 po \u010fal\u0161\u00edch 10 rokoch a tak \u010falej. Tak\u00fdmto v\u00fdberom va\u0161a zmluva doplnkov\u00e9ho d\u00f4chodkov\u00e9ho sporenia nezanik\u00e1 a pokra\u010duje \u010falej. Ale d\u00f4chodok je dlhodob\u00fd projekt, preto na tieto \u00faspory nesiahajte ak to nie je naozaj nevyhnutn\u00e9<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ako sme u\u017e uviedli vy\u0161\u0161ie, prostriedky, ktor\u00e9 do 3. piliera <\/span><b>prispieva zamestn\u00e1vate\u013e<\/b>, si m\u00f4\u017eete vybra\u0165 a\u017e pri odchode do d\u00f4chodku.<span style=\"font-weight: 400;\">&nbsp;N\u00e1rok na doplnkov\u00fd d\u00f4chodok v\u00e1m vznikne spolu s n\u00e1rokom na starobn\u00fd alebo v\u00fdsluhov\u00fd starobn\u00fd d\u00f4chodok vypl\u00e1can\u00fd Soci\u00e1lnou pois\u0165ov\u0148ou.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>S&nbsp;pr\u00edpravou na d\u00f4chodok ne\u010dakajte<\/b><\/span><\/h2>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ak teda u\u017e tret\u00ed pilier m\u00e1te, skontrolujte si svoj v\u00fdpis, nastavenie fondov a&nbsp;posielajte si aj v&nbsp;tomto roku na svoj sporiaci \u00fa\u010det <strong>aspo\u0148 15 eur mesa\u010dne<\/strong>. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ak ho e\u0161te nem\u00e1te, ur\u010dite sa na\u0148 <strong>op\u00fdtajte v&nbsp;pr\u00e1ci<\/strong> a&nbsp;zistite, \u010di va\u0161a firma do\u0148ho neprispieva zamestnancom. <\/span><\/li>\n\n\n\n<li>Vstup do 3. piliera<strong> nie je podmienen\u00fd<\/strong> vekom do 35 rokov tak ako je to v pr\u00edpade 2. piliera.&nbsp;Aj <strong>\u0161tyridsiatnici alebo p\u00e4\u0165desiatnici<\/strong> si m\u00f4\u017eu uzavrie\u0165 tret\u00ed pilier, aby mohli vyu\u017ei\u0165 jeho da\u0148ov\u00fa \u00fa\u013eavu a ak s\u00fa zamestnan\u00ed, tak aj pr\u00edspevky od zamestn\u00e1vate\u013ea.<\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Keby ste sa chceli poradi\u0165 aj oh\u013eadom 2. piliera alebo <\/span>zisti\u0165 viac aj o in\u00fdch<b> investi\u010dn\u00fdch pr\u00edle\u017eitostiach<\/b><span style=\"font-weight: 400;\">&nbsp;vhodn\u00fdch na sporenie na d\u00f4chodok, stavte na nez\u00e1visl\u00e9ho finan\u010dn\u00e9ho sprostredkovate\u013ea.&nbsp;<\/span><\/li>\n\n\n\n<li>Aj pri sporen\u00ed na d\u00f4chodok plat\u00ed, \u017ee <b>\u010d\u00edm sk\u00f4r za\u010dnete, <\/b><a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\"><b>t\u00fdm v\u00e4\u010d\u0161\u00ed v\u00fdnos <\/b>m\u00f4\u017eete o\u010dak\u00e1va\u0165<\/a>.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Aby ste si mohli dovoli\u0165 slu\u0161n\u00fa starobu a&nbsp;svoj d\u00f4chodok si naozaj u\u017e\u00edva\u0165, myslite na\u0148 u\u017e dnes.&nbsp;Ide\u00e1lne je za\u010da\u0165 si spori\u0165 hne\u010f ako sa zamestn\u00e1te, no ak ste aj p\u00e1r rokov zme\u0161kali, ni\u010d sa nedeje.<\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Na na\u0161ej internetovej str\u00e1nke n\u00e1jdete aj praktick\u00fd <\/span><a href=\"https:\/\/www.fingo.sk\/investovanie\"><span style=\"font-weight: 400;\">porovn\u00e1va\u010d investovania<\/span><\/a><span style=\"font-weight: 400;\">. V&nbsp;z\u00e1vislosti od v\u00fd\u0161ky mesa\u010dn\u00e9ho vkladu a&nbsp;d\u013a\u017eky zhodnocovania \u00faspor v\u00e1m okam\u017eite porovn\u00e1 mo\u017enosti v\u00fdhodn\u00e9ho investovania naprie\u010d cel\u00fdm trhom.&nbsp;Alebo sa obr\u00e1\u0165te na sk\u00fasen\u00fdch <span style=\"color: #ec8124;\">investi\u010dn\u00fdch \u0161pecialistov <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a>, <\/span>ktor\u00fdch n\u00e1jdete na celom Slovensku. <\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Prispievate si do tretieho piliera? Potom v\u00e1m z doplnkovej d\u00f4chodkovej spolo\u010dnosti (DDS) chod\u00ed ka\u017ed\u00fd rok v\u00fdpis z v\u00e1\u0161ho sporiaceho \u00fa\u010dtu. Ak m\u00e1te zmluvu uzavret\u00fa po roku 2014, DDS v\u00e1m posiela aj potvrdenie o zaplaten\u00fdch pr\u00edspevkoch, ktor\u00e9 dolo\u017e\u00edte k da\u0148ov\u00e9mu priznaniu. M\u00f4\u017eete tak u\u0161etri\u0165 na dani, \u010do je jednou z v\u00fdhod tretieho piliera. V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp; Do tretieho piliera si na Slovensku dobrovo\u013ene prispieva viac ako mili\u00f3n sporite\u013eov.&nbsp;Sl\u00fa\u017ei na to, aby sme si vytvorili doplnkov\u00fd zdroj pr\u00edjmu, ktor\u00fd nesk\u00f4r vyu\u017eijeme pri odchode do penzie. Spolieha\u0165 sa len na d\u00f4chodok zo Soci\u00e1lnej pois\u0165ovne&nbsp;je pri s\u00fa\u010dasnom nastaven\u00ed d\u00f4chodkov\u00e9ho syst\u00e9mu na Slovensku riskantn\u00e9, a&nbsp;tak sa na starobu mus\u00edme zabezpe\u010di\u0165 aj inak. Je pravda, \u017ee 3. pilier nedosahuje tak\u00e9 v\u00fdnosy ako priame invest\u00edcie cez podielov\u00e9 alebo ETF fondy. No aj v\u010faka tomu, \u017ee si v \u0148om nem\u00f4\u017eete zru\u0161i\u0165 svoje konto hne\u010f pri prvom zav\u00e1han\u00ed, vytvor\u00edte sa postupne v\u00e4\u010d\u0161\u00ed objem pe\u0148az\u00ed, s&nbsp;ktor\u00fdmi si na d\u00f4chodku prilep\u0161\u00edte. M\u00f4\u017eete vyu\u017ei\u0165 nielen zhodnotenie fondov, ale najm\u00e4 da\u0148ov\u00fa \u00fa\u013eavu a zamestnanci aj pr\u00edspevky zamestn\u00e1vate\u013ea. \u010c\u00edm viac r\u00f4znych zdrojov pr\u00edjmu si pred odchodom do d\u00f4chodku zabezpe\u010d\u00edte, t\u00fdm vy\u0161\u0161ia je va\u0161a \u0161anca na d\u00f4stojn\u00fa starobu bez finan\u010dn\u00fdch probl\u00e9mov Skontrolujte svoj v\u00fdpis z&nbsp;3. piliera Vo v\u00fdpise z tretieho piliera n\u00e1jdete inform\u00e1cie o&nbsp;tom, [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":5228,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[47,50,149],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3.pilier - ak\u00e9 m\u00e1 v\u00fdhody a \u010do o \u0148om treba vedie\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Tret\u00ed pilier je doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie, ktor\u00e9 m\u00e1 nieko\u013eko v\u00fdhod. 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