{"id":3479,"date":"2021-05-17T11:11:53","date_gmt":"2021-05-17T09:11:53","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3479"},"modified":"2021-07-01T16:43:24","modified_gmt":"2021-07-01T14:43:24","slug":"vynosy-dss-prehlad-vynosov-jednotlivych-fondov","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/","title":{"rendered":"V\u00fdnosy DSS &#8211; preh\u013ead v\u00fdnosov jednotliv\u00fdch fondov"},"content":{"rendered":"<p><b>Druh\u00fd pilier sa rozhodne oplat\u00ed. \u010ci ste zamestnan\u00fd, \u017eivnostn\u00edk alebo brig\u00e1dujete na dohodu, Soci\u00e1lna pois\u0165ov\u0148a v\u00e1m do\u0148ho m\u00f4\u017ee posiela\u0165 \u010das\u0165 z va\u0161ich povinn\u00fdch odvodov, ktor\u00e9 sa zmenia na va\u0161e \u00faspory <a href=\"https:\/\/www.fingo.sk\/blog\/sporenie-na-dochodok-ako-na-to\/\">na d\u00f4chodok<\/a>. Kone\u010dn\u00e1 nasporen\u00e1 suma v\u0161ak z\u00e1vis\u00ed hlavne od toho, v ak\u00fdch d\u00f4chodkov\u00fdch fondoch si spor\u00edte. Po\u010fme sa lep\u0161ie pozrie\u0165 na ich v\u00fdnosy.<\/b><\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/druhy-pilier-ako-z-neho-vytazit-maximum\/\"><span style=\"font-weight: 400;\">V\u00fdhody 2. piliera<\/span><\/a><span style=\"font-weight: 400;\"> v s\u00fa\u010dasnosti vyu\u017e\u00edva viac ako<\/span><b> 1,6 mili\u00f3na Slov\u00e1kov<\/b><span style=\"font-weight: 400;\">. Ich \u00faspory spravuj\u00fa <\/span><b>d\u00f4chodkov\u00e9 spr\u00e1vcovsk\u00e9 spolo\u010dnosti,<\/b><span style=\"font-weight: 400;\"> skr\u00e1tene <\/span><b>DSS-ky<\/b><span style=\"font-weight: 400;\">. V tomto roku sa povinn\u00e9 odvody sporite\u013eov rozde\u013euj\u00fa v pomere 12,75 % na \u00fa\u010det Soci\u00e1lnej pois\u0165ovne a <\/span><b>5,25 %<\/b><span style=\"font-weight: 400;\"> na s\u00fakromn\u00fd \u00fa\u010det sporite\u013ea v <\/span><b>DSS.\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Druh\u00fd pilier je <\/span><b>dobrovo\u013en\u00fd<\/b><span style=\"font-weight: 400;\"> a m\u00f4\u017ee do\u0148ho vst\u00fapi\u0165 ka\u017ed\u00fd, kto<\/span><b> nedov\u0155\u0161il 35 rokov<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><span style=\"font-weight: 400;\">So vstupom by nemali ot\u00e1\u013ea\u0165 najm\u00e4 mlad\u00ed \u013eudia, ktor\u00ed u\u017e za\u010dali brig\u00e1dova\u0165 alebo u\u017e pracuj\u00fa. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Rovnako tento krok odpor\u00fa\u010dame <a href=\"https:\/\/www.fingo.sk\/blog\/cinkla-ti-na-ucte-prva-vyplata-uz-teraz-mysli-aj-na-svoj-dochodok\/\">ka\u017ed\u00e9mu vysoko\u0161kol\u00e1kovi<\/a>, preto\u017ee aj ten m\u00f4\u017ee po\u010das vysokej \u0161koly brig\u00e1dova\u0165 alebo pracova\u0165 a u\u017e vtedy si z t\u00fdchto odvodov odklad\u00e1 na svoj s\u00fakromn\u00fd d\u00f4chodok<\/span><b>.<\/b><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Okrem vy\u0161\u0161ieho dosiahnut\u00e9ho d\u00f4chodku je v\u00fdhodou 2. piliera aj to, \u017ee nasporen\u00e9 peniaze s\u00fa <\/span><b>va\u0161im vlastn\u00edctvom <\/b>a<b> zdedia ich va\u0161i bl\u00edzki.<\/b><span style=\"font-weight: 400;\"> Alebo na zmluvu m\u00f4\u017eete uvies\u0165 opr\u00e1vnen\u00fa osobu, ktorej bude vyplaten\u00fd majetok. Tak\u017ee peniaze neprepadn\u00fa \u0161t\u00e1tu tak ako je to v pr\u00edpade 1. piliera. <strong>Viac sa dozviete<\/strong> aj v na\u0161om \u010fal\u0161om <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/druhy-pilier-ako-zmenit-fondy-aby-ste-dosiahli-ovela-vyssi-dochodok\/\"><span style=\"font-weight: 400;\">blogu.<\/span><\/a><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Na Slovensku p\u00f4sob\u00ed p\u00e4\u0165 DSS-iek:<\/b><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allianz &#8211; Slovensk\u00e1 DSS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DSS Po\u0161tovej banky<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NN DSS (v roku 2019 sa zl\u00fa\u010dila s AEGON DSS)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UNIQA DSS (do 14.1.2021 AXA DSS)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V\u00daB Generali DSS<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00e1 DSS-ka m\u00e1 pre sporite\u013eov na v\u00fdber viacero druhov fondov. Z\u00e1kladn\u00e9 rozdelenie je na garantovan\u00e9 a negarantovan\u00e9 fondy.<\/span><\/p>\n<p><b>Garantovan\u00e9 fondy<\/b><span style=\"font-weight: 400;\"> &#8211; s\u00fa to dlhopisov\u00e9 fondy, ktor\u00e9 dosahuj\u00fa <\/span><b>ni\u017e\u0161ie v\u00fdnosy<\/b><span style=\"font-weight: 400;\">. Ke\u010f\u017ee s\u00fa v porovnan\u00ed s negarantovan\u00fdmi fondami o nie\u010do bezpe\u010dnej\u0161ie, \u0161t\u00e1t do nich presmeruje \u010das\u0165 \u00faspor \u013eud\u00ed, ktor\u00ed sa za\u010dn\u00fa pribli\u017eova\u0165 k d\u00f4chodkov\u00e9mu veku.\u00a0<\/span><\/p>\n<p><b>Negarantovan\u00e9 fondy &#8211;<\/b><span style=\"font-weight: 400;\"> ide o akciov\u00e9, indexov\u00e9 a zmie\u0161an\u00e9 fondy. S\u00fa ur\u010den\u00e9 pre \u013eud\u00ed, ktor\u00fdm do d\u00f4chodku ost\u00e1va <\/span><b>viac ako 15 rokov.<\/b><span style=\"font-weight: 400;\"> Dlhodobo zar\u00e1baj\u00fa <\/span><b>viacn\u00e1sobne lep\u0161ie<\/b><span style=\"font-weight: 400;\"> ako garantovan\u00e9 fondy a m\u00f4\u017eu dosahova\u0165 a\u017e <\/span><b>dvojcifern\u00e9 v\u00fdnosy.<\/b><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Preh\u013ead v\u00fdnosov v d\u00f4chodkov\u00fdch fondoch<\/b><\/span><\/h2>\n<h3><span style=\"color: #ec8124;\"><b>Priemern\u00fd ro\u010dn\u00fd v\u00fdnos od vzniku<\/b><\/span><\/h3>\n<table style=\"width: 626px; border-style: solid; border-color: #ec8124;\" width=\"658\">\n<tbody>\n<tr>\n<td style=\"width: 496.607px; border-style: solid; border-color: #ec8124; text-align: left;\" colspan=\"2\"><strong>Garantovan\u00e9 d\u00f4chodkov\u00e9 fondy<\/strong><\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\"><strong>V\u00fdnos<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">Allianz &#8211; Slovensk\u00e1 d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">GARANT dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">1,765 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">DSS Po\u0161tovej banky<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">STABILITA dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">2,480 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">NN d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Solid &#8211; Dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">1,940 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">UNIQA d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Dlhopisov\u00fd garantovan\u00fd d. d. f.<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">1,618 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">KLASIK dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">2,247 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 496.607px; border-style: solid; border-color: #ec8124;\" colspan=\"2\"><strong>Negarantovan\u00e9 d\u00f4chodkov\u00e9 fondy<\/strong><\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">Allianz &#8211; Slovensk\u00e1 d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">PROGRES akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">4,690 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">DSS Po\u0161tovej banky<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">PROSPERITA akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">3,009 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">DSS Po\u0161tovej banky<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">PERSPEKT\u00cdVA indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">8,632 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">NN d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Harm\u00f3nia zmie\u0161an\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">2,878 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">NN d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Dynamika akciov\u00fd\u00a0 negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">3,386 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">NN d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Index Euro &#8211; indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">8,007 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">NN d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Index Global &#8211; indexov\u00fd\u00a0 negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">10,450 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">UNIQA d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">3,036 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">UNIQA d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">Indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">10,904 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">MIX zmie\u0161an\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">3,342 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">PROFIT akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">3,986 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 185.464px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali d.s.s.<\/td>\n<td style=\"width: 305.464px; border-style: solid; border-color: #ec8124;\">INDEX indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 114.321px; border-style: solid; border-color: #ec8124; text-align: center;\">10,401 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"color: #ec8124;\"><b>Priemern\u00fd v\u00fdnos za posledn\u00fd rok<\/b><\/span><\/h3>\n<table style=\"width: 630px; border-style: solid; border-color: #ec8124;\" width=\"601\">\n<tbody>\n<tr>\n<td style=\"width: 499.179px; border-style: solid; border-color: #ec8124; text-align: left;\" colspan=\"2\"><strong>Garantovan\u00e9 d\u00f4chodkov\u00e9 fondy<\/strong><\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\"><strong>V\u00fdnos<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">Allianz &#8211; Slovensk\u00e1 d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">GARANT dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">1,970 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">DSS Po\u0161tovej banky<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">STABILITA dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">&#8211; 0,513 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">NN, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Solid &#8211; Dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">3,728 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">UNIQA d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">1,513 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">KLASIK dlhopisov\u00fd garantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">3,833 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 499.179px; border-style: solid; border-color: #ec8124;\" colspan=\"2\"><strong>Negarantovan\u00e9 d\u00f4chodkov\u00e9 fondy<\/strong><\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">Allianz &#8211; Slovensk\u00e1 d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">PROGRES akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">25,593 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">DSS Po\u0161tovej banky<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">PROSPERITA akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">11,733 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">DSS Po\u0161tovej banky<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">PERSPEKT\u00cdVA indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">27,090 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">NN, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Harm\u00f3nia zmie\u0161an\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">13,172 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">NN, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Dynamika akciov\u00fd\u00a0 negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">17,051 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">NN, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Index Euro &#8211; indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">37,445 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">NN, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Index Global &#8211; indexov\u00fd\u00a0 negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">29,050 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">UNIQA d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">13,692 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">UNIQA d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">Indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">30,606 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">MIX zmie\u0161an\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">16,401 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">PROFIT akciov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">21,349 %<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 184.607px; border-style: solid; border-color: #ec8124;\">V\u00daB Generali, d.s.s.<\/td>\n<td style=\"width: 308.893px; border-style: solid; border-color: #ec8124;\">INDEX indexov\u00fd negarantovan\u00fd<\/td>\n<td style=\"width: 116.036px; border-style: solid; border-color: #ec8124; text-align: center;\">30,605 %<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #ec8124;\"><b>Tipy pri v\u00fdbere fondov<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Slov\u00e1ci mali na konci apr\u00edla 2021 v 2. pilieri ulo\u017een\u00fdch <\/span><b>takmer 11 mili\u00e1rd eur.<\/b> <span style=\"font-weight: 400;\">Pritom <\/span><b>a\u017e 66 % <\/b><span style=\"font-weight: 400;\">z t\u00fdchto \u00faspor je zainvestovan\u00fdch <\/span><b>v garantovan\u00fdch dlhopisov\u00fdch <\/b><span style=\"font-weight: 400;\">fondoch, ktor\u00e9<\/span><span style=\"font-weight: 400;\"> poskytuj\u00fa<\/span><b> n\u00edzke <\/b><span style=\"font-weight: 400;\">v\u00fdnosy. Preto \u00faspory do d\u00f4chodku nezhodnotia tak efekt\u00edvne ako negarantovan\u00e9 fondy, teda akciov\u00e9 a indexov\u00e9.<\/span><\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"alignnone wp-image-3511\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/V\u00fdnosy-DSS.png\" alt=\"druh\u00fd pilier\" width=\"600\" height=\"425\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/V\u00fdnosy-DSS.png 1757w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/V\u00fdnosy-DSS-300x212.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/V\u00fdnosy-DSS-768x544.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/V\u00fdnosy-DSS-1024x725.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/V\u00fdnosy-DSS-1080x765.png 1080w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h3><strong><span style=\"color: #ec8124;\">D\u00f4le\u017eit\u00fd je v\u00e1\u0161 vek<\/span><\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak m\u00e1te najviac 47 rokov, teda ak v\u00e1m ost\u00e1va do d\u00f4chodku <\/span><b>viac ako 15 rokov<\/b><span style=\"font-weight: 400;\">, mali by ste spori\u0165 v negarantovan\u00fdch akciov\u00fdch alebo indexov\u00fdch fondoch.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak v\u00e1m ost\u00e1va do d\u00f4chodku<\/span><b> menej ako 15 rokov,<\/b><span style=\"font-weight: 400;\"> bude lep\u0161ie voli\u0165 garantovan\u00e9 fondy.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ak vst\u00fapite do 2. piliera hne\u010f od prv\u00e9ho zamestnania a za\u010dnete si spori\u0165 v negarantovan\u00fdch fondoch, v\u00e1\u0161 d\u00f4chodok z 2. piliera m\u00f4\u017ee by\u0165 a\u017e <\/span><b>10-n\u00e1sobne vy\u0161\u0161\u00ed.\u00a0<\/b><\/li>\n<\/ul>\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Ak neviete, do ak\u00e9ho fondu odch\u00e1dzaj\u00fa va\u0161e \u00faspory, poh\u013eadajte svoj <strong>v\u00fdpis z 2. piliera<\/strong>, ktor\u00fd v\u00e1m DSS-ka zaslala za\u010diatkom tohto roka. V\u00e4\u010d\u0161ine \u013eud\u00ed u\u017e chod\u00ed mailom, niektor\u00fdm e\u0161te mo\u017eno pri\u0161iel po\u0161tou.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vo v\u00fdpise n\u00e1jdete pri ka\u017edom fonde nap\u00edsan\u00e9, \u010di je garantovan\u00fd alebo negarantovan\u00fd. Rovnako to budete vedie\u0165 pos\u00fadi\u0165, ke\u010f sa pozriete na zhodnotenie fondov.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zmena fondov je jednoduch\u00e1 a ak patr\u00edte k mlad\u0161\u00edm ro\u010dn\u00edkom a spor\u00edte si v len garantovanom fonde, prest\u00fapte do negarantovan\u00e9ho \u010do najsk\u00f4r.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aj keby ste mali 40 rokov, st\u00e1le sa v\u00e1m oplat\u00ed prest\u00fapi\u0165 z garantovan\u00e9ho fondu do negarantovan\u00e9ho. V\u010faka tomu na d\u00f4chodok naspor\u00edte o tis\u00edcky eur viac.\u00a0<\/span><\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><b>Ako prest\u00fapi\u0165 do in\u00e9ho fondu<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ak si nie ste ist\u00fd, v ak\u00fdch fondoch si spor\u00edte a neviete sa rozhodn\u00fa\u0165, ktor\u00fd je pr\u00e1ve pre v\u00e1s ten najvhodnej\u0161\u00ed, na\u0161i <\/span>sk\u00fasen\u00ed <b>finan\u010dn\u00ed sprostredkovatelia <\/b><span style=\"font-weight: 400;\">zo spolo\u010dnosti <strong>FinGO.sk<\/strong> v\u00e1m s t\u00fdm pom\u00f4\u017eu. N\u00e1jdete n\u00e1s na pobo\u010dk\u00e1ch na celom Slovensku a m\u00f4\u017eete sa s nami spoji\u0165 aj online.\u00a0\u00a0<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">O zmenu fondu m\u00f4\u017eete po\u017eiada\u0165 DSS-ku p\u00edsomne, niektor\u00e9 to umo\u017e\u0148uj\u00fa aj elektronicky cez s\u00fakromn\u00fd d\u00f4chodcovsk\u00fd \u00fa\u010det sporite\u013ea na internetovej str\u00e1nke DSS-ky alebo cez jej aplik\u00e1ciu. <\/span><\/p><\/blockquote>\n<p><b>Zmena fondu je bezplatn\u00e1<\/b><span style=\"font-weight: 400;\"> a m\u00f4\u017eete ju urobi\u0165 kedyko\u013evek. Okrem fondov m\u00f4\u017eete raz za rok zmeni\u0165 aj samotn\u00fa DSS-ku.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m do FinGO.sk na <\/span><a href=\"tel:0800601060\"><span style=\"color: #ec8124;\"><b>0800 60 10 60<\/b><\/span><\/a><span style=\"font-weight: 400;\"> alebo n\u00e1m zanechajte kontakt a na\u0161e call centrum v\u00e1s spoj\u00ed s fundovan\u00fdm odborn\u00edkom vo va\u0161om okol\u00ed. Na\u0161e rady s\u00fa zadarmo, pritom v\u00e1m m\u00f4\u017eu prinies\u0165 <\/span><b>nieko\u013ekon\u00e1sobne lep\u0161\u00ed d\u00f4chodok.\u00a0<\/b><\/p>\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\/3479#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","protected":false},"excerpt":{"rendered":"<p>Druh\u00fd pilier sa rozhodne oplat\u00ed. \u010ci ste zamestnan\u00fd, \u017eivnostn\u00edk alebo brig\u00e1dujete na dohodu, Soci\u00e1lna pois\u0165ov\u0148a v\u00e1m do\u0148ho m\u00f4\u017ee posiela\u0165 \u010das\u0165 z va\u0161ich povinn\u00fdch odvodov, ktor\u00e9 sa zmenia na va\u0161e \u00faspory na d\u00f4chodok. Kone\u010dn\u00e1 nasporen\u00e1 suma v\u0161ak z\u00e1vis\u00ed hlavne od toho, v ak\u00fdch d\u00f4chodkov\u00fdch fondoch si spor\u00edte. Po\u010fme sa lep\u0161ie pozrie\u0165 na ich v\u00fdnosy. V\u00fdhody 2. piliera v s\u00fa\u010dasnosti vyu\u017e\u00edva viac ako 1,6 mili\u00f3na Slov\u00e1kov. Ich \u00faspory spravuj\u00fa d\u00f4chodkov\u00e9 spr\u00e1vcovsk\u00e9 spolo\u010dnosti, skr\u00e1tene DSS-ky. V tomto roku sa povinn\u00e9 odvody sporite\u013eov rozde\u013euj\u00fa v pomere 12,75 % na \u00fa\u010det Soci\u00e1lnej pois\u0165ovne a 5,25 % na s\u00fakromn\u00fd \u00fa\u010det sporite\u013ea v DSS.\u00a0 Druh\u00fd pilier je dobrovo\u013en\u00fd a m\u00f4\u017ee do\u0148ho vst\u00fapi\u0165 ka\u017ed\u00fd, kto nedov\u0155\u0161il 35 rokov.\u00a0So vstupom by nemali ot\u00e1\u013ea\u0165 najm\u00e4 mlad\u00ed \u013eudia, ktor\u00ed u\u017e za\u010dali brig\u00e1dova\u0165 alebo u\u017e pracuj\u00fa. Rovnako tento krok odpor\u00fa\u010dame ka\u017ed\u00e9mu vysoko\u0161kol\u00e1kovi, preto\u017ee aj ten m\u00f4\u017ee po\u010das vysokej \u0161koly brig\u00e1dova\u0165 alebo pracova\u0165 a u\u017e vtedy si z t\u00fdchto odvodov odklad\u00e1 na svoj s\u00fakromn\u00fd d\u00f4chodok. Okrem vy\u0161\u0161ieho dosiahnut\u00e9ho d\u00f4chodku je v\u00fdhodou 2. piliera aj to, \u017ee nasporen\u00e9 peniaze s\u00fa va\u0161im vlastn\u00edctvom a zdedia ich va\u0161i bl\u00edzki. Alebo na zmluvu m\u00f4\u017eete uvies\u0165 opr\u00e1vnen\u00fa osobu, ktorej bude vyplaten\u00fd majetok. Tak\u017ee peniaze neprepadn\u00fa \u0161t\u00e1tu tak ako je to v pr\u00edpade 1. piliera. Viac sa dozviete aj [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":3506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[94,96,202],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>V\u00fdnosy DSS - preh\u013ead v\u00fdnosov jednotliv\u00fdch fondov - FinGO.sk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00fdnosy DSS - preh\u013ead v\u00fdnosov jednotliv\u00fdch fondov - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Druh\u00fd pilier sa rozhodne oplat\u00ed. \u010ci ste zamestnan\u00fd, \u017eivnostn\u00edk alebo brig\u00e1dujete na dohodu, Soci\u00e1lna pois\u0165ov\u0148a v\u00e1m do\u0148ho m\u00f4\u017ee posiela\u0165 \u010das\u0165 z va\u0161ich povinn\u00fdch odvodov, ktor\u00e9 sa zmenia na va\u0161e \u00faspory na d\u00f4chodok. Kone\u010dn\u00e1 nasporen\u00e1 suma v\u0161ak z\u00e1vis\u00ed hlavne od toho, v ak\u00fdch d\u00f4chodkov\u00fdch fondoch si spor\u00edte. Po\u010fme sa lep\u0161ie pozrie\u0165 na ich v\u00fdnosy. V\u00fdhody 2. piliera v s\u00fa\u010dasnosti vyu\u017e\u00edva viac ako 1,6 mili\u00f3na Slov\u00e1kov. Ich \u00faspory spravuj\u00fa d\u00f4chodkov\u00e9 spr\u00e1vcovsk\u00e9 spolo\u010dnosti, skr\u00e1tene DSS-ky. V tomto roku sa povinn\u00e9 odvody sporite\u013eov rozde\u013euj\u00fa v pomere 12,75 % na \u00fa\u010det Soci\u00e1lnej pois\u0165ovne a 5,25 % na s\u00fakromn\u00fd \u00fa\u010det sporite\u013ea v DSS.\u00a0 Druh\u00fd pilier je dobrovo\u013en\u00fd a m\u00f4\u017ee do\u0148ho vst\u00fapi\u0165 ka\u017ed\u00fd, kto nedov\u0155\u0161il 35 rokov.\u00a0So vstupom by nemali ot\u00e1\u013ea\u0165 najm\u00e4 mlad\u00ed \u013eudia, ktor\u00ed u\u017e za\u010dali brig\u00e1dova\u0165 alebo u\u017e pracuj\u00fa. Rovnako tento krok odpor\u00fa\u010dame ka\u017ed\u00e9mu vysoko\u0161kol\u00e1kovi, preto\u017ee aj ten m\u00f4\u017ee po\u010das vysokej \u0161koly brig\u00e1dova\u0165 alebo pracova\u0165 a u\u017e vtedy si z t\u00fdchto odvodov odklad\u00e1 na svoj s\u00fakromn\u00fd d\u00f4chodok. Okrem vy\u0161\u0161ieho dosiahnut\u00e9ho d\u00f4chodku je v\u00fdhodou 2. piliera aj to, \u017ee nasporen\u00e9 peniaze s\u00fa va\u0161im vlastn\u00edctvom a zdedia ich va\u0161i bl\u00edzki. Alebo na zmluvu m\u00f4\u017eete uvies\u0165 opr\u00e1vnen\u00fa osobu, ktorej bude vyplaten\u00fd majetok. Tak\u017ee peniaze neprepadn\u00fa \u0161t\u00e1tu tak ako je to v pr\u00edpade 1. piliera. Viac sa dozviete aj [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2021-05-17T09:11:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-07-01T14:43:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1755\" \/>\n\t<meta property=\"og:image:height\" content=\"1139\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Franti\u0161ek Burda\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Franti\u0161ek Burda\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/\"},\"author\":{\"name\":\"Franti\u0161ek Burda\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/31a11e5b6ec3f8172e290e0d7b31d887\"},\"headline\":\"V\u00fdnosy DSS &#8211; 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