{"id":785,"date":"2020-10-19T13:26:51","date_gmt":"2020-10-19T11:26:51","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=785"},"modified":"2024-04-26T09:43:07","modified_gmt":"2024-04-26T07:43:07","slug":"druhy-pilier-ako-z-neho-vytazit-maximum","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/druhy-pilier-ako-z-neho-vytazit-maximum\/","title":{"rendered":"2. pilier: \u010co o \u0148om treba vedie\u0165 a ak\u00e9 m\u00e1 v\u00fdhody a nev\u00fdhody?"},"content":{"rendered":"

Druh\u00fd pilier n\u00e1s nestoj\u00ed ni\u010d navy\u0161e. Povinn\u00e9 odvody sa na osobnom d\u00f4chodkovom \u00fa\u010dte premenia na na\u0161e \u00faspory na d\u00f4chodok, no \u013eudia sa v tomto syst\u00e9me st\u00e1le ve\u013emi nevyznaj\u00fa<\/a>. V\u00e4\u010d\u0161ina Slov\u00e1kov si v 2. pilieri spor\u00ed v garantovan\u00fdch fondoch, ktor\u00e9 ich peniaze zhodnocuj\u00fa ve\u013emi konzervat\u00edvne. Ak\u00e9 odpor\u00fa\u010danie by dal sporite\u013eom v druhom d\u00f4chodkovom pilieri Franti\u0161ek Burda, investi\u010dn\u00fd analytik v spolo\u010dnosti FinGO.sk? <\/strong><\/p>\n

Sporte si v\u00a0spr\u00e1vnych fondoch<\/strong><\/span><\/h3>\n

\u010co by mali sporitelia robi\u0165, aby si nesk\u00f4r mohli spokojne u\u017e\u00edva\u0165 zasl\u00fa\u017een\u00fd d\u00f4chodok?\u00a0\u201ePredov\u0161etk\u00fdm spori\u0165 si v\u00a0t\u00fdch spr\u00e1vnych fondoch,\u201c <\/em>rad\u00ed Franti\u0161ek Burda.<\/em><\/p>\n

\u201eV\u00e4\u010d\u0161ina sporite\u013eov \u2013 \u010di u\u017e dobrovo\u013ene alebo menej dobrovo\u013ene \u2013 si spor\u00ed v\u00a0konzervat\u00edvnych fondoch, ktor\u00e9 dlhodobo zarobia menej ne\u017e negarantovan\u00e9 fondy s\u00a0prevahou akciovej zlo\u017eky. A\u00a0pr\u00e1ve v\u00a0situ\u00e1cii ke\u010f akciov\u00e9 trhy padaj\u00fa, sporite\u013eom sa otv\u00e1ra pr\u00edle\u017eitos\u0165 na v\u00fdhodn\u00e9 n\u00e1kupy akci\u00ed,“ <\/em>rad\u00ed Burda.<\/p>\n

Preto \u013eu\u010fom, ktor\u00ed si bud\u00fa spori\u0165 na d\u00f4chodok dlh\u0161ie ako 15 rokov<\/strong>, odpor\u00fa\u010da presun\u00fa\u0165 svoje \u00faspory<\/a> do negarantovan\u00fdch fondov.<\/strong><\/p>\n

Ako presun\u00fa\u0165 \u00faspory do in\u00e9ho fondu<\/span><\/h3>\n

Ako v\u0161ak tento presun \u00faspor z\u00a0jedn\u00e9ho fondu do druh\u00e9ho zrealizova\u0165? \u201eVe\u013emi jednoducho. Sporitelia, ktor\u00ed si dnes sporia v 2. d\u00f4chodkovom pilieri, maj\u00fa mo\u017enos\u0165 presun\u00fa\u0165 svoje \u00faspory z garantovan\u00e9ho do negarantovan\u00e9ho alebo zmie\u0161an\u00e9ho fondu prakticky kedyko\u013evek.<\/strong> Rovnako m\u00f4\u017ee sporite\u013e prejs\u0165 z\u00a0jednej d\u00f4chodcovskej spr\u00e1vcovskej spolo\u010dnosti do druhej. Sta\u010d\u00ed k\u00a0tomu akcepta\u010dn\u00fd list<\/strong>, ktor\u00fd na po\u017eiadane sporite\u013ea vyd\u00e1va Soci\u00e1lna pois\u0165ov\u0148a. V\u00a0pr\u00edpade, \u017ee si sporite\u013e spor\u00ed v\u00a0syst\u00e9me viac ako 2 roky, vydanie akcepta\u010dn\u00e9ho listu je bezplatn\u00e9,“ opisuje Burda. <\/em><\/p>\n

S\u00a0akcepta\u010dn\u00fdm listom si sporite\u013e uzavrie nov\u00fa zmluvu s\u00a0vybranou d\u00f4chodcovskou spr\u00e1vcovskou spolo\u010dnos\u0165ou. Star\u00fa zmluvu nie je potrebn\u00e9 ru\u0161i\u0165, zru\u0161\u00ed sa automaticky.<\/p>\n

Ak m\u00e1te mo\u017enos\u0165, vst\u00fapte do 2. piliera<\/strong><\/span><\/h3>\n

\u010co v\u0161ak sporitelia, ktor\u00ed si v 2. d\u00f4chodkovom pilieri zatia\u013e nesporia? Maj\u00fa mo\u017enos\u0165 vst\u00fapi\u0165 do 2. piliera? \u201eTak\u00fato mo\u017enos\u0165 maj\u00fa iba mlad\u00ed \u013eudia do 35 rokov veku<\/strong> a\u00a0rozhodne by tak mal urobi\u0165 ka\u017ed\u00fd, kto t\u00fato mo\u017enos\u0165 m\u00e1<\/a>,\u201c<\/em> odpor\u00fa\u010da Burda.<\/p>\n

\u201eV\u00fdhodou druh\u00e9ho piliera je nielen to, \u017ee sa \u00faspory sporite\u013ea pri vhodne zvolenom fonde m\u00f4\u017eu\u00a0pokojne zhodnoti\u0165 aj o 9 % p.a.<\/strong>\u00a0To\u013eko aktu\u00e1lne pon\u00fakaj\u00fa indexov\u00e9 fondy.\u00a0Ale najm\u00e4 to, \u017ee prostriedky v 2. pilieri s\u00fa dedite\u013en\u00e9.<\/strong> V\u00a0pr\u00edpade, ak sa sporite\u013e nedo\u017eije d\u00f4chodkov\u00e9ho veku, nasporen\u00e9 prostriedky\u00a0 zded\u00ed opr\u00e1vnen\u00e1 osoba,“ <\/em>vysvet\u013euje Burda.<\/p>\n

\"mlad\u00ed<\/p>\n

Naopak, ak si sporite\u013e odv\u00e1dza cel\u00fd svoj d\u00f4chodkov\u00fd odvod <\/strong>vo v\u00fd\u0161ke 18 % do Soci\u00e1lnej pois\u0165ovne, v\u00a0pr\u00edpade jeho \u00famrtia \u201eprepadn\u00fa\u201c jeho \u00faspory<\/strong> v\u00a0prospech \u0161t\u00e1tu. Nehovoriac o\u00a0tom, \u017ee spolieha\u0165 sa iba na soci\u00e1lny syst\u00e9m a\u00a0veri\u0165, \u017ee \u0161t\u00e1t sa o\u00a0na\u0161e bud\u00face d\u00f4chodky postar\u00e1, je dnes u\u017e ut\u00f3pia.<\/p>\n

Ako vst\u00fapi\u0165 do 2. piliera? <\/strong><\/span><\/h3>\n

Ak uva\u017eujete nad vstupom do 2. piliera, ale neviete sa rozhodn\u00fa\u0165, ktor\u00fa spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165 si vybra\u0165, obr\u00e1\u0165te sa na na\u0161ich investi\u010dn\u00fdch \u0161pecialistov<\/a>.<\/strong> Vo FinGO.sk v\u00e1m vieme sprostredkova\u0165 zmluvu s\u00a0ktorouko\u013evek d\u00f4chodcovskou spr\u00e1vcovskou spolo\u010dnos\u0165ou, p\u00f4sobiacou na na\u0161om trhu.<\/p>\n

Rovnako sa na n\u00e1s m\u00f4\u017eete obr\u00e1ti\u0165 v\u00a0situ\u00e1cii, ak u\u017e m\u00e1te zmluvu so spr\u00e1vcovskou spolo\u010dnos\u0165ou uzavret\u00fa, ale uva\u017eujete nad zmenou investi\u010dnej strat\u00e9gie<\/a>. Na\u0161i \u0161pecialisti v\u00e1m odporu\u010dia, ktor\u00fd fond je pre v\u00e1s najvhodnej\u0161\u00ed vzh\u013eadom na v\u00e1\u0161 vek \u010di pr\u00edjem, aby sa va\u0161e \u00faspory zhodnocovali \u010do najv\u00fdhodnej\u0161ie.\u00a0<\/strong><\/p>\n

Skontaktova\u0165 sa s nami m\u00f4\u017eete emailom na adrese\u00a0kontakt@fingo.sk<\/strong> <\/span>ako aj na \u010d\u00edsle 0800 60 10 60.\u00a0<\/strong><\/span>Alebo n\u00e1m zanechajte va\u0161e kontaktn\u00e9 \u00fadaje a my sa v\u00e1m ozveme.<\/p>\n

\n

\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n\n\n\n\n\n\n<\/div>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Druh\u00fd pilier n\u00e1s nestoj\u00ed ni\u010d navy\u0161e. Povinn\u00e9 odvody sa na osobnom d\u00f4chodkovom \u00fa\u010dte premenia na na\u0161e \u00faspory na d\u00f4chodok, no \u013eudia sa v tomto syst\u00e9me st\u00e1le ve\u013emi nevyznaj\u00fa. V\u00e4\u010d\u0161ina Slov\u00e1kov si v\u00a0II. pilieri spor\u00ed v\u00a0garantovan\u00fdch fondoch, ktor\u00e9 ich peniaze zhodnocuj\u00fa ve\u013emi konzervat\u00edvne.\u00a0Ak\u00e9 odpor\u00fa\u010danie by dal sporite\u013eom v\u00a0druhom d\u00f4chodkovom pilieri Franti\u0161ek Burda, investi\u010dn\u00fd analytik v\u00a0spolo\u010dnosti FinGO.sk?<\/p>\n","protected":false},"author":26,"featured_media":786,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[93,94,96,50],"yoast_head":"\n2. pilier: \u010co o \u0148om treba vedie\u0165 a ak\u00e9 m\u00e1 v\u00fdhody a nev\u00fdhody?<\/title>\n<meta name=\"description\" content=\"2. pilier n\u00e1s ni\u010d nestoj\u00ed, ale mus\u00edme ho ma\u0165 nastaven\u00fd spr\u00e1vne. 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