{"id":7051,"date":"2023-01-11T12:39:36","date_gmt":"2023-01-11T11:39:36","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7051"},"modified":"2023-01-11T14:25:38","modified_gmt":"2023-01-11T13:25:38","slug":"druhy-pilier-sa-meni-co-mozete-urobit-aby-ste-mali-co-najvyssi-dochodok","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/druhy-pilier-sa-meni-co-mozete-urobit-aby-ste-mali-co-najvyssi-dochodok\/","title":{"rendered":"Druh\u00fd pilier sa men\u00ed. \u010co m\u00f4\u017eete urobi\u0165, aby ste mali \u010do najvy\u0161\u0161\u00ed d\u00f4chodok?"},"content":{"rendered":"\n<p><strong>Ak\u00e1 bude re\u00e1lna v\u00fd\u0161ka v\u00e1\u0161ho d\u00f4chodku a \u010do m\u00f4\u017eete urobi\u0165 hne\u010f teraz, aby ste po odchode do penzie neboli nepr\u00edjemne prekvapen\u00ed poklesom \u017eivotnej \u00farovne? Tu je vysvetlenie najd\u00f4le\u017eitej\u0161\u00edch zmien v druhom pilieri a z\u00e1rove\u0148 nieko\u013eko odpor\u00fa\u010dan\u00ed, ako si efekt\u00edvne spori\u0165 na d\u00f4chodok.<\/strong><\/p>\n<p>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/p>\n<ul>\n<li>\u010co prines\u00fa zmeny v\u00a02. pilieri<\/li>\n<\/ul>\n<ul>\n<li>Ak\u00fd d\u00f4chodok m\u00f4\u017eete o\u010dak\u00e1va\u0165<\/li>\n<\/ul>\n<ul>\n<li>Ak\u00e9 s\u00fa v\u00fdhody a\u00a0nev\u00fdhody 3. piliera<\/li>\n<\/ul>\n<ul>\n<li>Ako si zabezpe\u010di\u0165 \u010do najvy\u0161\u0161\u00ed d\u00f4chodok<\/li>\n<\/ul>\n<p>Dvadsiatnici \u010di tridsiatnici si myslia, \u017ee sa ich d\u00f4chodok zatia\u013e net\u00fdka, av\u0161ak pr\u00e1ve oni by mali za\u010da\u0165 prem\u00fd\u0161\u013ea\u0165, \u010do ich \u010dak\u00e1 o\u00a0nieko\u013eko dek\u00e1d, ke\u010f od\u00eddu z\u00a0pracovn\u00e9ho procesu. Za\u010da\u0165 sa zauj\u00edma\u0165 o\u00a0svoj d\u00f4chodok po \u0161es\u0165desiatke je u\u017e pr\u00edli\u0161 neskoro. Najv\u00e4\u010d\u0161iu \u0161ancu z\u00e1sadne ovplyvni\u0165 jeho v\u00fd\u0161ku maj\u00fa mlad\u0161\u00ed \u013eudia.<\/p>\n<p>Najlep\u0161\u00edm sp\u00f4sobom ako si zabezpe\u010di\u0165 lep\u0161\u00ed d\u00f4chodok, je pravidelne si odklada\u0165 \u010das\u0165 pr\u00edjmu a <a href=\"https:\/\/www.fingo.sk\/blog\/ako-dodrzat-sporiace-predsavzatie-a-kam-investovat\/\">rozumne ju investova\u0165<\/a>.<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignnone wp-image-7080 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" width=\"1350\" height=\"905\" \/><\/a><\/p>\n<p>Dobrou spr\u00e1vou je, \u017ee v\u00fd\u0161ku d\u00f4chodku pozit\u00edvne ovplyvnia aj zmeny v 2. pilieri, ktor\u00e9 postupne vstupuj\u00fa do platnosti v priebehu roka 2023. \u013du\u010fom pom\u00f4\u017ee najm\u00e4 automatick\u00fd vstup do 2. piliera a predvolen\u00e9 investovanie <a href=\"https:\/\/www.fingo.sk\/blog\/co-su-indexove-fondy-a-co-je-ich-prinosom\/\">v indexov\u00fdch fondoch<\/a>. Doteraz si toti\u017e v\u00e4\u010d\u0161ina \u013eud\u00ed odv\u00e1dzala pr\u00edspevky do menej v\u00fdkonn\u00fdch garantovan\u00fdch fondov. V \u010dase rast\u00facich akciov\u00fdch trhov tak pri\u0161li o vysok\u00e9 zhodnotenie svojich prostriedkov.\u00a0<\/p>\n<p>Naopak, zlou spr\u00e1vou je spomalenie postupn\u00e9ho zvy\u0161ovania pr\u00edspevkov do 2. piliera. \u010co sa teda zmen\u00ed v\u00a0druhom pilieri a\u00a0ako si m\u00f4\u017eete zabezpe\u010di\u0165 lep\u0161\u00ed d\u00f4chodok?<\/p>\n<h2><span style=\"background-color: #ffffff; color: #ff9900;\">Hlavn\u00e9 novinky v 2. d\u00f4chodkovom pilieri<\/span><\/h2>\n<p>Zmeny by mali prinies\u0165 vy\u0161\u0161ie d\u00f4chodky pre v\u0161etk\u00fdch sporite\u013eov v\u00a02. pilieri. Toto s\u00fa hlavn\u00e9 novinky pre bud\u00facich d\u00f4chodcov:<\/p>\n<ul>\n<li>Sporitelia, ktor\u00ed maj\u00fa svoj majetok v garantovan\u00fdch d\u00f4chodkov\u00fdch fondoch, sa u\u017e nebud\u00fa m\u00f4c\u0165 dosta\u0165 do m\u00ednusu. In\u00fdmi slovami, ich majetok vo fonde nebude m\u00f4c\u0165 by\u0165 ni\u017e\u0161\u00ed ako suma v\u0161etk\u00fdch pr\u00edspevkov, ktor\u00e9 do neho poslali.<\/li>\n<li>Men\u00ed sa syst\u00e9m poplatkov <a href=\"https:\/\/www.fingo.sk\/blog\/vynosy-dss-prehlad-vynosov-jednotlivych-fondov\/\">d\u00f4chodkov\u00fdm spr\u00e1vcovsk\u00fdm spolo\u010dnostiam<\/a>. Niektor\u00e9 sa \u00faplne ru\u0161ia, zv\u00fd\u0161i sa v\u0161ak poplatok za spr\u00e1vu. Celkovo by zmena mala by\u0165 pre sporite\u013eov pozit\u00edvna, ich nasporen\u00e1 suma v\u00a02. pilieri by mala by\u0165 vy\u0161\u0161ia o pribli\u017ene 10 % v porovnan\u00ed s predch\u00e1dzaj\u00facim<\/li>\n<li>Pl\u00e1novan\u00e9 zv\u00fd\u0161enie pr\u00edspevkov do druh\u00e9ho piliera bude pomal\u0161ie ako sa predpokladalo. Cie\u013eov\u00fdch 6 % z\u00a0hrubej mzdy bude dosiahnut\u00fdch a\u017e v\u00a0roku 2027 a nie v roku 2024, ako bolo zam\u00fd\u0161\u013ean\u00e9.<\/li>\n<li>V\u0161etci nov\u00ed sporitelia a\u00a0tie\u017e s\u00fa\u010dasn\u00ed sporitelia do veku 54 rokov, ktor\u00ed od roku 2013 nespravili \u017eiadne vlastn\u00e9 akt\u00edvne rozhodnutie o svojich d\u00f4chodkov\u00fdch \u00faspor\u00e1ch, si bud\u00fa automaticky spori\u0165 v\u00a0negarantovanom indexovom fonde. Ostatn\u00ed sporitelia si bud\u00fa m\u00f4c\u0165 zvoli\u0165, \u010di bud\u00fa posiela\u0165 svoje pr\u00edspevky do indexov\u00fdch fondov alebo nie.<\/li>\n<li>Zav\u00e1dza sa automatick\u00fd vstup do\u00a02. piliera. Ak sa sporite\u013e rozhodne z\u00a02. piliera vyst\u00fapi\u0165, bude mu to umo\u017enen\u00e9 do dvoch rokov od vstupu. Zvy\u0161uje sa tie\u017e vekov\u00e1 hranica pre vstup do druh\u00e9ho piliera, t\u00e1to mo\u017enos\u0165 bude otvoren\u00e1 pre v\u0161etk\u00fdch vo veku do 40 rokov.<\/li>\n<li>Po\u010dn\u00fac rokom 2024 si sporite\u013e po splnen\u00ed podmienok bude m\u00f4c\u0165 vybra\u0165 polovicu svojich \u00faspor v 2. pilieri zr\u00fdchlen\u00fdm sp\u00f4sobom, no bude musie\u0165 zaplati\u0165 da\u0148 z pr\u00edjmu.<\/li>\n<\/ul>\n<h2><span style=\"color: #ff9900;\">Ak\u00fd d\u00f4chodok m\u00f4\u017eete o\u010dak\u00e1va\u0165 od \u0161t\u00e1tu<\/span><\/h2>\n<p>Kv\u00f4li demografick\u00e9mu v\u00fdvoju na Slovensku \u0161t\u00e1t v\u00a0bud\u00facnosti bude \u010deli\u0165 z\u00e1sadn\u00e9mu probl\u00e9mu. Pr\u00edli\u0161 ve\u013ea \u013eud\u00ed bude pobera\u0165 d\u00f4chodok a\u00a0pr\u00edli\u0161 m\u00e1lo \u013eud\u00ed bude pracova\u0165. To s\u00a0najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou bude vies\u0165 k\u00a0tomu, \u017ee \u017eivotn\u00e1 \u00farove\u0148 be\u017en\u00e9ho d\u00f4chodcu, ktor\u00fd nem\u00e1 u\u0161etren\u00e9 ni\u010d navy\u0161e, sa v\u00fdrazne zn\u00ed\u017ei. Vypo\u010d\u00edta\u0165 presn\u00fa v\u00fd\u0161ku bud\u00facich d\u00f4chodkov nie je \u00faplne mo\u017en\u00e9, av\u0161ak z\u00e1kladn\u00fa predstavu si viete vytvori\u0165 u\u017e teraz.<\/p>\n<p>Ak si vezmeme pr\u00edklad 24-ro\u010dn\u00e9ho \u010dloveka s hrub\u00fdm mesa\u010dn\u00fdm pr\u00edjmom 1000 \u20ac, jeho d\u00f4chodok m\u00f4\u017ee predstavova\u0165 pribli\u017ene 600 eur. Z tejto sumy a\u017e dve tretiny bude tvori\u0165 pr\u00e1ve d\u00f4chodok z druh\u00e9ho piliera. Ak by si sporil aj v tre\u0165om pilieri napr\u00edklad 50 eur mesa\u010dne, v 64 rokoch m\u00f4\u017ee ma\u0165 nasporen\u00fdch \u010fal\u0161\u00edch 60-tis\u00edc eur. Ak by rovnak\u00fdch 50 eur investoval do indexov\u00fdch ETF fondov, m\u00f4\u017ee ma\u0165 po 40 rokoch nasporen\u00fdch a\u017e 160-tis\u00edc eur.<\/p>\n<p><strong>Pr\u00edklad: 24-ro\u010dn\u00fd \u010dlovek s hrub\u00fdm mesa\u010dn\u00fdm pr\u00edjmom 1 000 \u20ac<\/strong><\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 157px;\">\n<tbody>\n<tr style=\"height: 23px;\">\n<td style=\"width: 87.0237%; height: 23px; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka d\u00f4chodku z I. piliera<\/td>\n<td style=\"width: 12.9763%; height: 23px; text-align: left;\">408 \u20ac<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 87.0237%; height: 23px; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka d\u00f4chodku z II. piliera<\/td>\n<td style=\"width: 12.9763%; height: 23px; text-align: left;\">198 \u20ac<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 87.0237%; height: 23px; text-align: left;\">Odhadovan\u00e1 celkov\u00e1 v\u00fd\u0161ka d\u00f4chodku (I. + II. pilier)<\/td>\n<td style=\"width: 12.9763%; height: 23px; text-align: left;\">606 \u20ac<\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 87.0237%; height: 44px; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka \u00faspor v III. pilieri, ak si odklad\u00e1 50 \u20ac mesa\u010dne po\u010das 40 rokov (suma pred zdanen\u00edm)<\/td>\n<td style=\"width: 12.9763%; height: 44px; text-align: left;\">60 000 \u20ac<\/td>\n<\/tr>\n<tr style=\"height: 44px;\">\n<td style=\"width: 87.0237%; height: 44px; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka nasporenej sumy investovanej do indexov\u00fdch ETF fondov v pr\u00edpade invest\u00edcie 50 \u20ac mesa\u010dne po\u010das 40 rokov (v\u00fdnos sa nezda\u0148uje)<\/td>\n<td style=\"width: 12.9763%; height: 44px; text-align: left;\">159 178 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>(Odhadovan\u00e1 v\u00fd\u0161ka d\u00f4chodkov je ilustra\u010dn\u00e1 a vych\u00e1dza z aktu\u00e1lnej situ\u00e1cie, ktor\u00e1 sa m\u00f4\u017ee v bud\u00facnosti meni\u0165.)<\/em><\/p>\n<p><strong>Pr\u00edklad: 44-ro\u010dn\u00fd \u010dlovek s hrub\u00fdm mesa\u010dn\u00fdm pr\u00edjmom 1 400 \u20ac<\/strong><\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 86.6666%; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka d\u00f4chodku z I. piliera<\/td>\n<td style=\"width: 13.3334%; text-align: left;\">518 \u20ac<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 86.6666%; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka d\u00f4chodku z II. piliera<\/td>\n<td style=\"width: 13.3334%; text-align: left;\">207 \u20ac<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 86.6666%; text-align: left;\">Odhadovan\u00e1 celkov\u00e1 v\u00fd\u0161ka d\u00f4chodku (I. + II. pilier)<\/td>\n<td style=\"width: 13.3334%; text-align: left;\">725 \u20ac<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 86.6666%; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka \u00faspor v III. pilieri, ak si odklad\u00e1 50 \u20ac mesa\u010dne po\u010das 40 rokov (suma pred zdanen\u00edm)<\/td>\n<td style=\"width: 13.3334%; text-align: left;\">20 951 \u20ac<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 86.6666%; text-align: left;\">Odhadovan\u00e1 v\u00fd\u0161ka nasporenej sumy investovanej do indexov\u00fdch ETF fondov v pr\u00edpade invest\u00edcie 50 \u20ac mesa\u010dne po\u010das 40 rokov (v\u00fdnos sa nezda\u0148uje)<\/td>\n<td style=\"width: 13.3334%; text-align: left;\">28 307 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>(Odhadovan\u00e1 v\u00fd\u0161ka d\u00f4chodkov je ilustra\u010dn\u00e1 a vych\u00e1dza z aktu\u00e1lnej situ\u00e1cie, ktor\u00e1 sa m\u00f4\u017ee v bud\u00facnosti meni\u0165.)<\/em><\/p>\n<h2><span style=\"color: #ff9900;\">Oplat\u00ed sa 3. d\u00f4chodkov\u00fd pilier?<\/span><\/h2>\n<p><a href=\"https:\/\/www.fingo.sk\/blog\/treti-pilier-je-danovo-zvyhodneny\/\">Tret\u00ed pilier<\/a> m\u00e1 nieko\u013eko v\u00fdhod, ale aj nev\u00fdhod.<\/p>\n<ul>\n<li>Hlavn\u00fdmi negat\u00edvami s\u00fa slab\u0161ia v\u00fdkonnos\u0165 v porovnan\u00ed s in\u00fdmi investi\u010dn\u00fdmi rie\u0161eniami, vy\u0161\u0161ie poplatky a zda\u0148ovanie zisku.<\/li>\n<li>Naopak, v\u00fdhodou je mo\u017enos\u0165 uplatni\u0165 si da\u0148ov\u00fa \u00fa\u013eavu a mo\u017enos\u0165 z\u00edska\u0165 pr\u00edspevok od zamestn\u00e1vate\u013ea.<\/li>\n<li>Tret\u00ed pilier tak m\u00e1 zmysel hlavne pre t\u00fdch, ktor\u00fdm prispieva na ich d\u00f4chodok zamestn\u00e1vate\u013e a vtedy, ak je v\u00fd\u0161ka pr\u00edspevkov tak\u00e1, aby si sporite\u013e mohol uplatni\u0165 maxim\u00e1lny da\u0148ov\u00fd bonus.<\/li>\n<\/ul>\n<p>Jedn\u00fdm z najv\u00e4\u010d\u0161\u00edch probl\u00e9mov bud\u00facich d\u00f4chodcov je neochota dlhodobo si odklada\u0165 \u010das\u0165 v\u00fdplaty a tieto u\u0161etren\u00e9 prostriedky investova\u0165. Ak si \u010dlovek spor\u00ed napr\u00edklad do podielov\u00fdch fondov alebo <a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\">do ETF<\/a>, peniaze m\u00e1 kedyko\u013evek k dispoz\u00edcii a\u00a0\u010dasto si bohu\u017eia\u013e \u00faspory alebo ich \u010das\u0165 vyberie pred\u010dasne. V\u00a0tre\u0165om pilieri to nie je tak\u00e9 jednoduch\u00e9 a\u00a0paradoxne pr\u00e1ve to m\u00f4\u017ee by\u0165 aj jeho \u010fal\u0161ou v\u00fdhodou.<\/p>\n<blockquote>\n<p>Ide o\u00a0n\u00e1stroj, ktor\u00fd n\u00fati sporite\u013ea pravidelne a dlhodobo si odklada\u0165 \u010das\u0165 svojich pr\u00edjmov na d\u00f4chodok.<\/p>\n<\/blockquote>\n<p><strong><span style=\"color: #ff9900;\">TIP:<\/span>\u00a0<\/strong>V pr\u00edpade, \u017ee budete do tretieho piliera posiela\u0165 15 eur mesa\u010dne, ro\u010dn\u00fd vklad bude 180 eur a budete si tak m\u00f4c\u0165 uplatni\u0165 maxim\u00e1lny da\u0148ov\u00fd bonus 34,20 eura. Pre niekoho je v\u00fd\u0161ka bonusu mo\u017eno zanedbate\u013en\u00e1, ale z dlhodob\u00e9ho h\u013eadiska to m\u00e1 svoj v\u00fdznam.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-1024x683.png\" alt=\"\" class=\"wp-image-7054\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-1024x683.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-300x200.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-768x512.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-1536x1024.png 1536w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-2048x1366.png 2048w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/piliere_dochodok-1080x720.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2><span style=\"color: #ff9900;\">Ako si spori\u0165 na d\u00f4chodok najefekt\u00edvnej\u0161ie<\/span><\/h2>\n<p>Najefekt\u00edvnej\u0161\u00edm n\u00e1strojom, ako si m\u00f4\u017eete dlhodobo <a href=\"https:\/\/www.fingo.sk\/blog\/preco-si-sporit-na-dochodok\/\">spori\u0165 na d\u00f4chodok<\/a>, s\u00fa indexov\u00e9 akciov\u00e9 ETF fondy. Maj\u00fa n\u00edzke poplatky, dosahuj\u00fa vysok\u00e9 zhodnotenie a s\u00fa osloboden\u00e9 od zdanenia. \u010coraz viac \u013eud\u00ed si touto formou spor\u00ed na dlhodob\u00e9 investi\u010dn\u00e9 ciele, nielen na d\u00f4chodok ale aj na b\u00fdvanie \u010di de\u0165om.<\/p>\n<p>Sk\u00fasenej\u0161\u00ed investori m\u00f4\u017eu ETF fondy nakupova\u0165 sami prostredn\u00edctvom brokerov. Je to najlacnej\u0161\u00ed, av\u0161ak aj najzlo\u017eitej\u0161\u00ed sp\u00f4sob. Jednoduch\u0161ou cestou je investovanie cez robo-advisorov. Ide o spolo\u010dnosti, ktor\u00e9 zabezpe\u010duj\u00fa pre klientov cel\u00fd proces invest\u00edcie, umo\u017e\u0148uj\u00fa im vybra\u0165 si \u0161pecifick\u00e9 portf\u00f3lio zlo\u017een\u00e9 z\u00a0r\u00f4znych ETF fondov a\u00a0potom ho pravidelne rebalansuj\u00fa. Ide o\u00a0jednoduch\u00fd a\u00a0efekt\u00edvny sp\u00f4sob ako investova\u0165, nev\u00fdhodou je len vy\u0161\u0161\u00ed poplatok v\u00a0porovnan\u00ed s\u00a0investorom, ktor\u00fd si dok\u00e1\u017ee v\u0161etko zabezpe\u010di\u0165 s\u00e1m.<\/p>\n<p>\u010eal\u0161ou mo\u017enos\u0165ou je obr\u00e1ti\u0165 sa na tak\u00e9ho <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00e9ho sprostredkovate\u013ea<\/a>, ktor\u00fd dok\u00e1\u017ee poskytn\u00fa\u0165 podobn\u00e9 slu\u017eby ako robo-advisori, av\u0161ak bonusom navy\u0161e je investi\u010dn\u00e9 poradenstvo \u0161it\u00e9 na mieru.<\/p>\n<blockquote>\n<p>Za\u010da\u0165 si spori\u0165 na d\u00f4chodok je dobr\u00fdm n\u00e1padom kedyko\u013evek. Aktu\u00e1lne, v \u010dase v\u00fdrazn\u00e9ho poklesu akciov\u00fdch trhov, to m\u00f4\u017ee by\u0165 e\u0161te v\u00fdhodnej\u0161ie.<\/p>\n<\/blockquote>\n<p>K ETF fondom m\u00f4\u017ee by\u0165 vhodn\u00fdm doplnkom aj investi\u010dn\u00e9 zlato. Dok\u00e1\u017ee ochr\u00e1ni\u0165 va\u0161e peniaze nielen proti infl\u00e1cii, ale aj proti finan\u010dnej kr\u00edze. Sl\u00fa\u017ei ako diverzifik\u00e1tor a z\u00e1rove\u0148 ako ochrana investi\u010dn\u00e9ho portf\u00f3lia.<\/p>\n<p><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>Viac o v\u00fdhod\u00e1ch zlata si m\u00f4\u017eete pre\u010d\u00edta\u0165 aj v na\u0161om blogu <a href=\"https:\/\/www.fingo.sk\/blog\/sporenie-do-zlata-ochrani-vase-investicne-portfolio\/\">Sporenie do zlata ochr\u00e1ni va\u0161e investi\u010dn\u00e9 portf\u00f3lio.\u00a0<\/a><\/p>\n<h2><span style=\"color: #ff9900;\"><strong>Ko\u013eko si naspor\u00edte v indexov\u00fdch ETF fondoch<\/strong><\/span><\/h2>\n<table style=\"border-collapse: collapse; width: 100%; height: 378px;\">\n<tbody>\n<tr style=\"height: 63px;\">\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>Mesa\u010dne spor\u00edte<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>Po 10 rokoch<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>Po 20 rokoch<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>Po 30 rokoch<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>Po 40 rokoch<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>Po 50 rokoch<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 63px;\">\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>30 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>5254 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>16 984 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>41 911 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>95 507 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>210 748 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 63px;\">\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>50 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>8 756 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>28 307 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>69 851 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>159 178 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>351 247 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 63px;\">\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>100 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>17 512 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>56 614 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>139 702 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>318 356 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>702 495 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 63px;\">\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>200 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>35 024 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>113 228 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>279 403 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>636 712 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>1 404 990 \u20ac<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 63px;\">\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>300 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"117\">\n<p>52 536 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>169 842 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>419 105 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>955 067 \u20ac<\/p>\n<\/td>\n<td style=\"width: 16.6667%; height: 63px;\" width=\"116\">\n<p>2 107 484 \u20ac<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>(V\u00fdpo\u010det vych\u00e1dza z v\u00fdvoja akciov\u00fdch trhov po\u010das uplynul\u00fdch 30 rokov.)<\/em><\/p>\n<p><span style=\"font-weight: 400;\">\u010ci u\u017e chcete spori\u0165 na \u0161t\u00fadium pre va\u0161e deti, na dofinancovanie hypot\u00e9ky, rekon\u0161trukciu b\u00fdvania alebo aby ste mali na d\u00f4chodku lep\u0161ie, nenech\u00e1vajte svoje \u00faspory le\u017ea\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/mate-este-vkladnu-knizku-ci-terminovany-vklad-zbavte-sa-ich-zbytocne-stracate-peniaze\/\">na be\u017enom \u00fa\u010dte.<\/a> Zbyto\u010dne ich tak po\u017eiera infl\u00e1cia a \u010dasom sa znehodnocuj\u00fa. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Za\u010dnite si spori\u0165 v\u00fdhodne a efekt\u00edvne. Na\u0161i finan\u010dn\u00ed sprostredkovatelia z FinGO.sk v\u00e1m pom\u00f4\u017eu zorientova\u0165 sa v mo\u017enostiach investovania, aby va\u0161e peniaze zar\u00e1bali. <\/span><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a><\/span><span style=\"font-weight: 400;\">\u00a0alebo n\u00e1m <\/span>zanechajte kontakt <span style=\"font-weight: 400;\">vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/span><\/p>\n\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\/7051#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\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ak\u00e1 bude re\u00e1lna v\u00fd\u0161ka v\u00e1\u0161ho d\u00f4chodku a \u010do m\u00f4\u017eete urobi\u0165 hne\u010f teraz, aby ste po odchode do penzie neboli nepr\u00edjemne prekvapen\u00ed poklesom \u017eivotnej \u00farovne? Tu je vysvetlenie najd\u00f4le\u017eitej\u0161\u00edch zmien v druhom pilieri a z\u00e1rove\u0148 nieko\u013eko odpor\u00fa\u010dan\u00ed, ako si efekt\u00edvne spori\u0165 na d\u00f4chodok. V \u010dl\u00e1nku sa do\u010d\u00edtate: \u010co prines\u00fa zmeny v\u00a02. pilieri Ak\u00fd d\u00f4chodok m\u00f4\u017eete o\u010dak\u00e1va\u0165 Ak\u00e9 s\u00fa v\u00fdhody a\u00a0nev\u00fdhody 3. piliera Ako si zabezpe\u010di\u0165 \u010do najvy\u0161\u0161\u00ed d\u00f4chodok Dvadsiatnici \u010di tridsiatnici si myslia, \u017ee sa ich d\u00f4chodok zatia\u013e net\u00fdka, av\u0161ak pr\u00e1ve oni by mali za\u010da\u0165 prem\u00fd\u0161\u013ea\u0165, \u010do ich \u010dak\u00e1 o\u00a0nieko\u013eko dek\u00e1d, ke\u010f od\u00eddu z\u00a0pracovn\u00e9ho procesu. Za\u010da\u0165 sa zauj\u00edma\u0165 o\u00a0svoj d\u00f4chodok po \u0161es\u0165desiatke je u\u017e pr\u00edli\u0161 neskoro. Najv\u00e4\u010d\u0161iu \u0161ancu z\u00e1sadne ovplyvni\u0165 jeho v\u00fd\u0161ku maj\u00fa mlad\u0161\u00ed \u013eudia. Najlep\u0161\u00edm sp\u00f4sobom ako si zabezpe\u010di\u0165 lep\u0161\u00ed d\u00f4chodok, je pravidelne si odklada\u0165 \u010das\u0165 pr\u00edjmu a rozumne ju investova\u0165. Dobrou spr\u00e1vou je, \u017ee v\u00fd\u0161ku d\u00f4chodku pozit\u00edvne ovplyvnia aj zmeny v 2. pilieri, ktor\u00e9 postupne vstupuj\u00fa do platnosti v priebehu roka 2023. \u013du\u010fom pom\u00f4\u017ee najm\u00e4 automatick\u00fd vstup do 2. piliera a predvolen\u00e9 investovanie v indexov\u00fdch fondoch. Doteraz si toti\u017e v\u00e4\u010d\u0161ina \u013eud\u00ed odv\u00e1dzala pr\u00edspevky do menej v\u00fdkonn\u00fdch garantovan\u00fdch fondov. V \u010dase rast\u00facich akciov\u00fdch trhov tak pri\u0161li o vysok\u00e9 zhodnotenie svojich prostriedkov.\u00a0 Naopak, zlou spr\u00e1vou je spomalenie postupn\u00e9ho zvy\u0161ovania pr\u00edspevkov do [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":7067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[47,93,96,50,149],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Druh\u00fd pilier sa men\u00ed. \u010co m\u00f4\u017eete urobi\u0165, aby ste mali \u010do najvy\u0161\u0161\u00ed d\u00f4chodok? - 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\/druhy-pilier-sa-meni-co-mozete-urobit-aby-ste-mali-co-najvyssi-dochodok\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Druh\u00fd pilier sa men\u00ed. \u010co m\u00f4\u017eete urobi\u0165, aby ste mali \u010do najvy\u0161\u0161\u00ed d\u00f4chodok? - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Ak\u00e1 bude re\u00e1lna v\u00fd\u0161ka v\u00e1\u0161ho d\u00f4chodku a \u010do m\u00f4\u017eete urobi\u0165 hne\u010f teraz, aby ste po odchode do penzie neboli nepr\u00edjemne prekvapen\u00ed poklesom \u017eivotnej \u00farovne? Tu je vysvetlenie najd\u00f4le\u017eitej\u0161\u00edch zmien v druhom pilieri a z\u00e1rove\u0148 nieko\u013eko odpor\u00fa\u010dan\u00ed, ako si efekt\u00edvne spori\u0165 na d\u00f4chodok. V \u010dl\u00e1nku sa do\u010d\u00edtate: \u010co prines\u00fa zmeny v\u00a02. pilieri Ak\u00fd d\u00f4chodok m\u00f4\u017eete o\u010dak\u00e1va\u0165 Ak\u00e9 s\u00fa v\u00fdhody a\u00a0nev\u00fdhody 3. piliera Ako si zabezpe\u010di\u0165 \u010do najvy\u0161\u0161\u00ed d\u00f4chodok Dvadsiatnici \u010di tridsiatnici si myslia, \u017ee sa ich d\u00f4chodok zatia\u013e net\u00fdka, av\u0161ak pr\u00e1ve oni by mali za\u010da\u0165 prem\u00fd\u0161\u013ea\u0165, \u010do ich \u010dak\u00e1 o\u00a0nieko\u013eko dek\u00e1d, ke\u010f od\u00eddu z\u00a0pracovn\u00e9ho procesu. Za\u010da\u0165 sa zauj\u00edma\u0165 o\u00a0svoj d\u00f4chodok po \u0161es\u0165desiatke je u\u017e pr\u00edli\u0161 neskoro. Najv\u00e4\u010d\u0161iu \u0161ancu z\u00e1sadne ovplyvni\u0165 jeho v\u00fd\u0161ku maj\u00fa mlad\u0161\u00ed \u013eudia. Najlep\u0161\u00edm sp\u00f4sobom ako si zabezpe\u010di\u0165 lep\u0161\u00ed d\u00f4chodok, je pravidelne si odklada\u0165 \u010das\u0165 pr\u00edjmu a rozumne ju investova\u0165. Dobrou spr\u00e1vou je, \u017ee v\u00fd\u0161ku d\u00f4chodku pozit\u00edvne ovplyvnia aj zmeny v 2. pilieri, ktor\u00e9 postupne vstupuj\u00fa do platnosti v priebehu roka 2023. \u013du\u010fom pom\u00f4\u017ee najm\u00e4 automatick\u00fd vstup do 2. piliera a predvolen\u00e9 investovanie v indexov\u00fdch fondoch. Doteraz si toti\u017e v\u00e4\u010d\u0161ina \u013eud\u00ed odv\u00e1dzala pr\u00edspevky do menej v\u00fdkonn\u00fdch garantovan\u00fdch fondov. 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