{"id":3138,"date":"2022-02-02T07:27:00","date_gmt":"2022-02-02T06:27:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3138"},"modified":"2024-12-09T15:28:47","modified_gmt":"2024-12-09T14:28:47","slug":"druhy-pilier-ako-zmenit-fondy","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/druhy-pilier-ako-zmenit-fondy\/","title":{"rendered":"Druh\u00fd pilier: Ako si zmeni\u0165 fondy, aby ste mali ove\u013ea vy\u0161\u0161\u00ed d\u00f4chodok?"},"content":{"rendered":"\n<p><strong>Pri\u0161iel v\u00e1m v\u00fdpis z druh\u00e9ho d\u00f4chodkov\u00e9ho piliera? Posvie\u0165te si v \u0148om hlavne na to, v ak\u00fdch fondoch va\u0161e \u00faspory z povinn\u00fdch odvodov zhodnocujete. V negarantovan\u00fdch fondoch si m\u00f4\u017eete naspori\u0165 na d\u00f4chodok a\u017e o desiatky tis\u00edc eur viac. Ako to dosiahnu\u0165?<\/strong><\/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 2. piliera<\/li>\n\n\n\n<li>Ktor\u00e9 fondy s\u00fa v\u00fdhodnej\u0161ie pre mlad\u0161\u00edch a star\u0161\u00edch sporite\u013eov<\/li>\n\n\n\n<li>Ako zist\u00edte, do ak\u00fdch fondov odch\u00e1dzaj\u00fa va\u0161e \u00faspory<\/li>\n\n\n\n<li>\u010co v\u0161etko e\u0161te n\u00e1jdete vo v\u00fdpise z 2. piliera<\/li>\n\n\n\n<li>Ako si e\u0161te m\u00f4\u017eete spori\u0165 na d\u00f4chodok <a href=\"https:\/\/www.fingo.sk\/kontakty\">s FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\">D\u00f4chodkov\u00e9 fondy &#8211; pre\u010do si na ne posvieti\u0165?<\/span><\/h2>\n\n\n\n<p>V druhom pilieri si k 31. 12. 2021 sporilo pribli\u017ene<strong> 1,7 mili\u00f3na Slov\u00e1kov<\/strong>, ktor\u00ed maj\u00fa na s\u00fakromn\u00fdch \u00fa\u010dtoch sporite\u013eov vy\u0161e 11,74 miliardy eur. Pod\u013ea \u0161tatist\u00edk d\u00f4chodkov\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed (DSS) v\u0161ak viac ako <strong>61 % \u00faspor <\/strong>\u201codpo\u010d\u00edva\u201d v garantovan\u00fdch dlhopisov\u00fdch fondoch, ktor\u00e9 ich zhodnocuj\u00fa ve\u013emi slabo.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Sporia si tu aj mlad\u00ed \u013eudia, ktor\u00ed si nev\u0161imli, \u017ee ich \u00faspory do garantovan\u00fdch fondov prehodila vl\u00e1da v roku 2013.<em>&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>V\u0161etci sporitelia, ktor\u00fdm ost\u00e1va<strong> do d\u00f4chodku viac ako 15 rokov,<\/strong> by si v\u0161ak mali v druhom pilieri spori\u0165 v negarantovan\u00fdch<strong> akciov\u00fdch alebo indexov\u00fdch fondoch.<\/strong> Dlhodobo zar\u00e1baj\u00fa<a href=\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/\"> nieko\u013ekon\u00e1sobne viac<\/a> ako garantovan\u00e9 fondy a v\u010faka tomu m\u00f4\u017ee by\u0165 d\u00f4chodok z druh\u00e9ho piliera <strong>aj 10-n\u00e1sobne vy\u0161\u0161\u00ed.<\/strong> Ako je to mo\u017en\u00e9?<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Negarantovan\u00e9 fondy s\u00fa pre mlad\u00fdch efekt\u00edvnej\u0161ie<\/span><\/h2>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>PR\u00cdKLAD:<\/strong> <\/span>Predstavme si, \u017ee do II. piliera vst\u00fapi <a href=\"https:\/\/www.fingo.sk\/blog\/cinkla-ti-na-ucte-prva-vyplata-uz-teraz-mysli-aj-na-svoj-dochodok\/\">25-ro\u010dn\u00fd \u010dlovek<\/a>, ktor\u00fd zar\u00e1ba 1200 eur v hrubom. Ak by zhodnocoval svoje \u00faspory v druhom pilieri<strong> iba v garantovan\u00fdch fondoch<\/strong>, na d\u00f4chodku m\u00f4\u017ee ma\u0165 nasporen\u00fdch<strong> 42-tis\u00edc eur<\/strong>. Keby si cel\u00fd \u010das sporil <strong>v negarantovan\u00fdch fondoch<\/strong>, v\u00fdsledn\u00e1 suma m\u00f4\u017ee by\u0165 <strong>123-tis\u00edc eur<\/strong>, \u010do je trikr\u00e1t viac (prepo\u010det je platn\u00fd k 2. 2. 2022).<\/p>\n\n\n\n<p>M\u00e1me pre v\u00e1s aj \u010fal\u0161ie pr\u00edklady, \u010d\u00edsla hovoria sam\u00e9 za seba.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Hrub\u00fd pr\u00edjem sporite\u013ea <\/strong>(vst\u00fapi do II. piliera v&nbsp;25 rokoch)<\/td><td>Nasporen\u00e1 suma v II. pilieri, ak spor\u00edte&nbsp;<strong>v garantovan\u00fdch fondoch<\/strong><\/td><td>Nasporen\u00e1 suma v II. pilieri, ak spor\u00edte&nbsp;<strong>v negarantovan\u00fdch fondoch<\/strong><\/td><td><span style=\"color: #ec8124;\"><strong>Rozdiel v celkovej nasporenej sume<\/strong><\/span><\/td><\/tr><tr><td>700 \u20ac<\/td><td>24 496 \u20ac<\/td><td>72 130 \u20ac<\/td><td><span style=\"color: #ec8124;\"><strong>+ 47 634 \u20ac<\/strong><\/span><\/td><\/tr><tr><td>1 000 \u20ac<\/td><td>34 995 \u20ac<\/td><td>103 042 \u20ac<\/td><td><span style=\"color: #ec8124;\"><strong>+ 68 047 \u20ac<\/strong><\/span><\/td><\/tr><tr><td>1 500 \u20ac<\/td><td>52 492 \u20ac<\/td><td>154 563 \u20ac<\/td><td><span style=\"color: #ec8124;\"><strong>+ 102 071 \u20ac<\/strong><\/span><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u00dadaje s\u00fa platn\u00e9 k 2. 2. 2022<\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 10pt;\">V pr\u00edkladoch r\u00e1tame so zhodnoten\u00edm 1,5 % ro\u010dne v garantovan\u00fdch fondoch a 6 % ro\u010dne v negarantovan\u00fdch fondoch.<\/span><\/p>\n\n\n\n<p>Ide o ilustra\u010dn\u00e9 pr\u00edklady vyr\u00e1tan\u00e9 tak, akoby \u010dloveku po\u010das cel\u00e9ho obdobia <a href=\"https:\/\/www.fingo.sk\/blog\/7-dovodov-preco-investovat\/\">sporenia<\/a> do d\u00f4chodku odch\u00e1dzala do II. piliera z odvodov rovnak\u00e1 suma.&nbsp;Na\u0161e pr\u00edjmy po\u010das produkt\u00edvneho \u017eivota samozrejme rast\u00fa a s nimi<strong> rastie aj suma, ktor\u00fa odv\u00e1dzame do II. piliera.<\/strong><\/p>\n\n\n\n<p>Rozdiel v nasporenej sume na d\u00f4chodku medzi sporite\u013eom, ktor\u00fd si spor\u00ed v garantovan\u00fdch fondoch oproti tomu, ktor\u00fd si bude spori\u0165 v negarantovan\u00fdch, preto m\u00f4\u017ee by\u0165 <strong>ove\u013ea vy\u0161\u0161\u00ed.<\/strong>&nbsp;M\u00f4\u017ee to by\u0165 pokojne aj 10-n\u00e1sobne viac.<\/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;\"><strong>Ako zist\u00edte, do ak\u00fdch fondov v\u00e1m odch\u00e1dzaj\u00fa \u00faspory<\/strong><\/span><\/h2>\n\n\n\n<ul>\n<li><strong>Vo v\u00fdpise z druh\u00e9ho piliera<\/strong> n\u00e1jdete pri ka\u017edom fonde nap\u00edsan\u00e9, \u010di je garantovan\u00fd alebo negarantovan\u00fd.<\/li>\n\n\n\n<li>Rovnako to budete vedie\u0165 pos\u00fadi\u0165, ke\u010f sa pozriete na zhodnotenie va\u0161ich fondov.<\/li>\n\n\n\n<li>Za minul\u00fd rok si <strong>ani jeden z garantovan\u00fdch<\/strong> fondov nesiahol na plusov\u00e9 zhodnotenie. V\u0161etky skon\u010dili v m\u00ednuse.<\/li>\n\n\n\n<li><b>Negarantovan\u00e9 fondy<\/b><span style=\"font-weight: 400;\"> vlani aj napriek pand\u00e9mii r\u00e1stli a dosiahli v\u00fdborn\u00e9 v\u00fdsledky. Niektor\u00e9 zhodnotili klientom peniaze aj <strong>o viac ako 25 %<\/strong>, pri\u010dom rekordom bolo ro\u010dn\u00e9 zhodnotenie o 28,73 %. <\/span><\/li>\n\n\n\n<li>Mlad\u00ed \u013eudia by preto prest\u00fapi\u0165 do negarantovan\u00fdch fondov \u010do najsk\u00f4r.<\/li>\n<\/ul>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span><\/strong> Aj keby ste mali napr\u00edklad 40 rokov, st\u00e1le sa v\u00e1m oplat\u00ed prest\u00fapi\u0165 z garantovan\u00e9ho fondu do negarantovan\u00e9ho. V\u010faka tomu si <a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\">na d\u00f4chodok naspor\u00edte<\/a> o tis\u00edcky eur viac.<\/p>\n\n\n\n<p><strong><span style=\"color: #ec8124;\">Ko\u013eko by ste mohli z\u00edska\u0165, ak prest\u00fapite do negarantovan\u00fdch fondov v 40-tke&nbsp;<\/span><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Hrub\u00fd pr\u00edjem sporite\u013ea <\/strong>(vst\u00fapil do II. piliera v&nbsp;25 rokoch)<\/td><td>Nasporen\u00e1 suma od 25 do 40 rokov &#8211;<strong> sporil v garantovan\u00fdch fondoch<\/strong><\/td><td>Nasporen\u00e1 suma od 40. roku<strong> &#8211; pre\u0161iel do negarantovan\u00fdch fondov<\/strong><\/td><td><span style=\"color: #ec8124;\"><strong>Zmenou fondov z\u00edska&nbsp;<\/strong><\/span><\/td><\/tr><tr><td>700 \u20ac<\/td><td>7 776 \u20ac<\/td><td>24 807 \u20ac<\/td><td><span style=\"color: #ec8124;\"><strong>+ 8 087 \u20ac<\/strong><\/span><\/td><\/tr><tr><td>1 000 \u20ac<\/td><td>10&nbsp;603 \u20ac<\/td><td>35 438 \u20ac<\/td><td><span style=\"color: #ec8124;\"><strong>+ 11 551 \u20ac<\/strong><\/span><\/td><\/tr><tr><td>1 500 \u20ac<\/td><td>16 663 \u20ac<\/td><td>53 157\u20ac<\/td><td><span style=\"color: #ec8124;\"><strong>+ 17 328\u20ac<\/strong><\/span><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u00dadaje s\u00fa platn\u00e9 k 2. 2. 2022<\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 10pt;\">V pr\u00edkladoch r\u00e1tame so zhodnoten\u00edm 1,5 % ro\u010dne v garantovan\u00fdch fondoch a 6 % ro\u010dne v negarantovan\u00fdch fondoch<\/span><\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\">Ako zmeni\u0165 d\u00f4chodkov\u00fd fond<\/span><\/h3>\n\n\n\n<p>O zmenu fondu m\u00f4\u017eete <strong>po\u017eiada\u0165 DSS-ku p\u00edsomne<\/strong> papierovou \u017eiados\u0165ou, niektor\u00e9 to umo\u017e\u0148uj\u00fa <strong>aj elektronicky<\/strong>.&nbsp;Sta\u010d\u00ed, ak sa prihl\u00e1site na svoj s\u00fakromn\u00fd d\u00f4chodcovsk\u00fd \u00fa\u010det sporite\u013ea \u010di u\u017e na internetovej str\u00e1nke DSS-ky alebo cez jej aplik\u00e1ciu.<\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Zmena fondu je bezplatn\u00e1, m\u00f4\u017eete ju urobi\u0165 kedyko\u013evek a pom\u00f4\u017eu v\u00e1m s t\u00fdm aj na\u0161i<a href=\"https:\/\/www.fingo.sk\/kontakty\"> <span style=\"color: #ec8124;\">finan\u010dn\u00ed sprostredkovatelia z FinGO.sk.<\/span><\/a><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/3138#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">\u010co v\u0161etko n\u00e1jdete vo v\u00fdpise z II. piliera<\/span><\/h2>\n\n\n\n<ul>\n<li><strong>Aktu\u00e1lna hodnota v\u00e1\u0161ho \u00fa\u010dtu<\/strong> &#8211; ak\u00fa sumu ste si doteraz nasporili z povinn\u00fdch odvodov.<\/li>\n\n\n\n<li><strong>Progn\u00f3za v\u00fd\u0161ky va\u0161ej nasporenej sumy<\/strong> pri pesimistickom, z\u00e1kladnom a optimistickom scen\u00e1ri &#8211; teda ak\u00fa sumu m\u00f4\u017eete ma\u0165 nasporen\u00fa na d\u00f4chodku v z\u00e1vislosti od v\u00fdvoja na finan\u010dn\u00fdch trhoch.<\/li>\n\n\n\n<li><strong>Predpokladan\u00fd mesa\u010dn\u00fd d\u00f4chodok z 2. piliera<\/strong> a predpokladan\u00fd mesa\u010dn\u00fd d\u00f4chodok po zoh\u013eadnen\u00ed infl\u00e1cie.<\/li>\n\n\n\n<li><strong>Inform\u00e1cia o zhodnoten\u00ed \u00faspor<\/strong> &#8211; va\u0161e vklady m\u00ednus n\u00e1klady spojen\u00e9 s d\u00f4chodkov\u00fdm \u00fa\u010dtom.<\/li>\n\n\n\n<li><strong>Odplata za spr\u00e1vu fondu<\/strong> &#8211; n\u00e1klady a poplatky, ktor\u00e9 v\u00e1m zo s\u00fakromn\u00e9ho d\u00f4chodkov\u00e9ho \u00fa\u010dtu stiahla DSS.<\/li>\n\n\n\n<li><strong>Opr\u00e1vnen\u00e1 osoba<\/strong> &#8211; zist\u00edte, \u010di ju m\u00e1te v zmluve uveden\u00fa alebo nie. \u00daspory z druh\u00e9ho piliera sa dedia a opr\u00e1vnenej osobe DSS vyplat\u00ed \u00faspory v pr\u00edpade va\u0161ej smrti.<\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Ak do va\u0161ej zmluvy neuvediete opr\u00e1vnen\u00fa osobu, va\u0161e \u00faspory automaticky prejd\u00fa do dedi\u010dsk\u00e9ho konania. Ich vyplatenie to m\u00f4\u017ee skomplikova\u0165 a oddiali\u0165, preto je lep\u0161ie ma\u0165 opr\u00e1vnen\u00fa osobu v zmluve zap\u00edsan\u00fa.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>M\u00f4\u017ee to by\u0165 ktoko\u013evek, koho si vyberiete &#8211; man\u017eel\/man\u017eelka, partner, ale aj rodi\u010dia, deti alebo v\u00e1\u0161 zn\u00e1my.<\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\">Pre\u010do si spori\u0165 v II. pilieri<\/span><\/h2>\n\n\n\n<p>Druh\u00fd pilier na Slovensku funguje u\u017e 18 rokov, no mnoho \u013eud\u00ed sa v \u0148om st\u00e1le nevyzn\u00e1.<\/p>\n\n\n\n<ul>\n<li>Druh\u00fd pilier je v\u00fdhodn\u00fd u\u017e len preto, \u017ee si po\u010das v\u00e1\u0161ho produkt\u00edvneho \u017eivota <strong>neodklad\u00e1te \u017eiadne peniaze navy\u0161e<\/strong>, a pritom dosiahnete lep\u0161\u00ed d\u00f4chodok. Jednoducho si <strong>spor\u00edte z va\u0161ich povinn\u00fdch odvodov<\/strong>, ktor\u00e9 mus\u00edte odv\u00e1dza\u0165 \u0161t\u00e1tu.<\/li>\n\n\n\n<li>V roku 2022 sa povinn\u00e9 odvody sporite\u013eov v 2. pilieri rozde\u013euj\u00fa v pomere <strong>12,5 %<\/strong> na \u00fa\u010det Soci\u00e1lnej pois\u0165ovne a <strong>5,5 % na s\u00fakromn\u00fd \u00fa\u010det <\/strong>sporite\u013ea v DSS.<\/li>\n\n\n\n<li>Ve\u013ekou v\u00fdhodou je aj to, \u017ee nasporen\u00e1 suma v 2. pilieri ost\u00e1va <span style=\"font-size: revert; color: initial;\">va\u0161im s\u00fakromn\u00fdm majetkom a zdedia ju va\u0161i bl\u00edzki<\/span><span style=\"font-size: revert; color: initial;\">. \u00daspory neprepadn\u00fa \u0161t\u00e1tu tak ako je to v 1. pilieri.<\/span><\/li>\n\n\n\n<li>Vstup do 2. piliera je dobrovo\u013en\u00fd a m\u00f4\u017ee do\u0148ho <strong>vst\u00fapi\u0165 ka\u017ed\u00fd, kto nedov\u0155\u0161il 35 rokov<\/strong>. \u010ci u\u017e ide o zamestnanca, \u017eivnostn\u00edka alebo mami\u010dku na materskej, d\u00f4le\u017eit\u00e9 je, aby boli evidovan\u00ed v Soci\u00e1lnej pois\u0165ovni (alebo boli evidovan\u00ed kedyko\u013evek v minulosti).<\/li>\n\n\n\n<li>Pri vstupe do 2. piliera si m\u00f4\u017eete vybra\u0165 jednu z piatich DSS-iek a zvol\u00edte si fondy, v ktor\u00fdch budete va\u0161e \u00faspory na d\u00f4chodok zhodnocova\u0165.<\/li>\n\n\n\n<li><strong>Negarantovan\u00e9 fondy prin\u00e1\u0161aj\u00fa dlhodobo nieko\u013ekon\u00e1sobne vy\u0161\u0161ie zhodnotenie<\/strong> oproti garantovan\u00fdm fondom, preto s\u00fa pre mlad\u00fdch \u013eud\u00ed pri vstupe do 2. piliera vhodnej\u0161ie.<\/li>\n\n\n\n<li>Ke\u010f sa \u010dlovek <strong>za\u010dne pribli\u017eova\u0165 k d\u00f4chodkov\u00e9mu veku<\/strong>, DSS-ka presmeruje \u010das\u0165 jeho \u00faspor <strong>do garantovan\u00fdch konzervat\u00edvnych fondov<\/strong>, ktor\u00e9 s\u00fa bezpe\u010dnej\u0161ie.<\/li>\n\n\n\n<li>Aj ke\u010f pr\u00edde \u010fal\u0161ia kr\u00edza, ekonomika sa po nej otrasie, svet p\u00f4jde \u010falej a s n\u00edm porast\u00fa aj akcie.<\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Preto si maj\u00fa mlad\u00ed \u013eudia, ktor\u00fdm ost\u00e1va do d\u00f4chodku viac ako 15 rokov, spori\u0165 do akciov\u00fdch alebo indexov\u00fdch fondov.<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">S\u00fa aj in\u00e9 mo\u017enosti ako si spori\u0165 na d\u00f4chodok<\/span><\/h2>\n\n\n\n<p>Ak si chcete zachova\u0165 svoj \u017eivotn\u00fd \u0161tandard aj v starobe, rozhodne by ste sa nemali v oblasti d\u00f4chodku spolieha\u0165 len na \u0161t\u00e1t. Okrem II. a <a href=\"https:\/\/www.fingo.sk\/blog\/treti-pilier-je-danovo-zvyhodneny\/\">III. piliera<\/a> existuje aj ve\u013ea in\u00fdch a omnoho<a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\"><strong> efekt\u00edvnej\u0161\u00edch mo\u017enost\u00ed <\/strong><\/a>sporenia, resp. investovania.<\/p>\n\n\n\n<p>Na\u0161i investi\u010dn\u00ed \u0161pecialisti z FinGO.sk v\u00e1m v tejto oblasti radi poradia. Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><b>0800 60 10 60<\/b><\/a> alebo n\u00e1m nap\u00ed\u0161te na <a href=\"https:\/\/www.fingo.sk\/kontakty\"><span style=\"color: #ec8124;\">kontakt@fingo.sk<\/span><\/a>&nbsp;a na\u0161e call centrum v\u00e1s spoj\u00ed s odborn\u00edkom z v\u00e1\u0161ho okolia.<\/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: 280px; min-height: 280px; 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\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","protected":false},"excerpt":{"rendered":"<p>Pri\u0161iel v\u00e1m v\u00fdpis z druh\u00e9ho d\u00f4chodkov\u00e9ho piliera? Posvie\u0165te si v \u0148om hlavne na to, v ak\u00fdch fondoch va\u0161e \u00faspory z povinn\u00fdch odvodov zhodnocujete. V negarantovan\u00fdch fondoch si m\u00f4\u017eete naspori\u0165 na d\u00f4chodok a\u017e o desiatky tis\u00edc eur viac. Ako to dosiahnu\u0165? V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp; D\u00f4chodkov\u00e9 fondy &#8211; pre\u010do si na ne posvieti\u0165? V druhom pilieri si k 31. 12. 2021 sporilo pribli\u017ene 1,7 mili\u00f3na Slov\u00e1kov, ktor\u00ed maj\u00fa na s\u00fakromn\u00fdch \u00fa\u010dtoch sporite\u013eov vy\u0161e 11,74 miliardy eur. Pod\u013ea \u0161tatist\u00edk d\u00f4chodkov\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed (DSS) v\u0161ak viac ako 61 % \u00faspor \u201codpo\u010d\u00edva\u201d v garantovan\u00fdch dlhopisov\u00fdch fondoch, ktor\u00e9 ich zhodnocuj\u00fa ve\u013emi slabo. Sporia si tu aj mlad\u00ed \u013eudia, ktor\u00ed si nev\u0161imli, \u017ee ich \u00faspory do garantovan\u00fdch fondov prehodila vl\u00e1da v roku 2013.&nbsp; V\u0161etci sporitelia, ktor\u00fdm ost\u00e1va do d\u00f4chodku viac ako 15 rokov, by si v\u0161ak mali v druhom pilieri spori\u0165 v negarantovan\u00fdch akciov\u00fdch alebo indexov\u00fdch fondoch. Dlhodobo zar\u00e1baj\u00fa nieko\u013ekon\u00e1sobne viac ako garantovan\u00e9 fondy a v\u010faka tomu m\u00f4\u017ee by\u0165 d\u00f4chodok z druh\u00e9ho piliera aj 10-n\u00e1sobne vy\u0161\u0161\u00ed. Ako je to mo\u017en\u00e9? Negarantovan\u00e9 fondy s\u00fa pre mlad\u00fdch efekt\u00edvnej\u0161ie PR\u00cdKLAD: Predstavme si, \u017ee do II. piliera vst\u00fapi 25-ro\u010dn\u00fd \u010dlovek, ktor\u00fd zar\u00e1ba 1200 eur v hrubom. Ak by zhodnocoval svoje \u00faspory v druhom pilieri iba v garantovan\u00fdch fondoch, na d\u00f4chodku [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":5212,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,6],"tags":[93,96,258,197,259,50],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Druh\u00fd pilier: Ako si zmeni\u0165 fondy, aby ste mali ove\u013ea vy\u0161\u0161\u00ed d\u00f4chodok? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Druh\u00fd pilier v\u00e1m m\u00f4\u017ee prinies\u0165 nieko\u013ekon\u00e1sobne vy\u0161\u0161\u00ed d\u00f4chodok. 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