{"id":9907,"date":"2025-02-25T14:16:45","date_gmt":"2025-02-25T13:16:45","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=9907"},"modified":"2026-03-11T12:50:34","modified_gmt":"2026-03-11T11:50:34","slug":"nespoliehajte-sa-na-stat-samostatne-sporenie-na-dochodok-je-klucom-k-dostojnej-starobe","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/nespoliehajte-sa-na-stat-samostatne-sporenie-na-dochodok-je-klucom-k-dostojnej-starobe\/","title":{"rendered":"Nespoliehajte sa na \u0161t\u00e1t. Samostatn\u00e9 sporenie na d\u00f4chodok je k\u013e\u00fa\u010dom k d\u00f4stojnej starobe"},"content":{"rendered":"\n<p><strong>Viac ne\u017e dva mili\u00f3ny Slov\u00e1kov si na d\u00f4chodok sporia v druhom pilieri a viac ako mili\u00f3n aj v tre\u0165om pilieri. Spoliehanie sa v\u00fdlu\u010dne na \u0161t\u00e1t v\u0161ak nemus\u00ed by\u0165 najlep\u0161ie rie\u0161enie. Chcete vedie\u0165, ak\u00e9 je najlep\u0161ie sporenie na d\u00f4chodok? To, ktor\u00e9 m\u00e1te vo vlastn\u00fdch ruk\u00e1ch!<\/strong><\/p>\n\n\n\n<p>Na penziu by sme sa mali te\u0161i\u0165. Vidina zasl\u00fa\u017een\u00e9ho oddychu a aktiv\u00edt, ktor\u00e9 sme roky odkladali a \u0161etrili si na jese\u0148 \u017eivota, je ve\u013emi l\u00e1kav\u00e1. Studen\u00e1 sprcha v\u0161ak nast\u00e1va pri poh\u013eade na progn\u00f3zy \u0161t\u00e1tnych d\u00f4chodkov. Slovensko starne a demografick\u00fd v\u00fdvoj je dlhodobo nepriazniv\u00fd a ne\u00faprosn\u00fd. Valoriz\u00e1cia d\u00f4chodkov nest\u00edha dr\u017ea\u0165 krok s infl\u00e1ciou.<\/p>\n\n\n\n<p>Probl\u00e9m je, \u017ee ani na d\u00f4chodku \u00faplne nevypadneme z ekonomick\u00e9ho rytmu \u017eivota a na\u0161e pr\u00edjmy, resp. \u00faspory by mali by\u0165 pripraven\u00e9 na to, aby pokryli n\u00e1klady na pl\u00e1novan\u00e9 aktivity.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> M\u00e1te mnoho mo\u017enost\u00ed, ako sa na starobu zodpovedne <a href=\"https:\/\/www.fingo.sk\/investovanie\">finan\u010dne pripravi\u0165<\/a> tak, aby ste si aj t\u00fato zasl\u00fa\u017een\u00fa f\u00e1zu \u017eivota u\u017eili. Na d\u00f4chodkov\u00e9 rie\u0161enia v gescii \u0161t\u00e1tu sa v\u0161ak rozhodne nespoliehajte.<\/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\/2025\/02\/piliere_dochodok-03-1024x683.png\" alt=\"\" class=\"wp-image-9914\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/piliere_dochodok-03-1024x683.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/piliere_dochodok-03-300x200.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/piliere_dochodok-03-768x512.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/piliere_dochodok-03-1536x1024.png 1536w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/piliere_dochodok-03-2048x1366.png 2048w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/piliere_dochodok-03-1080x720.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Ak\u00fd ve\u013ek\u00fd d\u00f4chodok budete ma\u0165?<\/h2>\n\n\n\n<p>V\u00fd\u0161ku bud\u00faceho \u0161t\u00e1tneho d\u00f4chodku si dnes viete pomerne presne nasimulova\u0165 a v\u00fdsledok b\u00fdva pre mnoh\u00fdch nepr\u00edjemn\u00fdm vytriezven\u00edm. V elektronickej pobo\u010dke Soci\u00e1lnej pois\u0165ovne si m\u00f4\u017eete pozrie\u0165, ak\u00e1 suma d\u00f4chodku v\u00e1m pod\u013ea aktu\u00e1lne evidovan\u00fdch \u00fadajov vych\u00e1dza. Sta\u010d\u00ed v\u00e1m na to ob\u010diansky preukaz s \u010dipom, teda eID, a aktivovan\u00e9 elektronick\u00e9 slu\u017eby.<\/p>\n\n\n\n<p>Pre \u00fapln\u00fd obraz o svojom bud\u00facom d\u00f4chodku odpor\u00fa\u010dam aj pre\u0161tudovanie pravideln\u00e9ho v\u00fdpisu z II. a pr\u00edpadne aj III. piliera. Tieto dokumenty obsahuj\u00fa aj progn\u00f3zu bud\u00faceho d\u00f4chodku. <\/p>\n\n\n\n<p>Pr\u00e1ve tento stret s konkr\u00e9tnymi \u010d\u00edslami b\u00fdva tvrd\u00fd. Po prvom prihl\u00e1sen\u00ed m\u00f4\u017eete zisti\u0165, \u017ee vypo\u010d\u00edtan\u00e1 suma je od va\u0161ej predstavy o d\u00f4stojnom \u017eivote na d\u00f4chodku \u010faleko. \u0160t\u00e1tny d\u00f4chodok spravidla nepokryje ani v\u0161etky z\u00e1kladn\u00e9 v\u00fddavky, nieto e\u0161te \u017eivotn\u00fd \u0161tandard, na ktor\u00fd ste zvyknut\u00ed po\u010das produkt\u00edvneho veku. Spolieha\u0165 sa v\u00fdlu\u010dne na \u0161t\u00e1t preto znamen\u00e1 podst\u00fapi\u0165 re\u00e1lne riziko v\u00fdrazn\u00e9ho poklesu \u017eivotnej \u00farovne. Skuto\u010dn\u00e1 ot\u00e1zka dnes nestoj\u00ed tak, \u010di si vytv\u00e1ra\u0165 vlastn\u00fa rezervu, ale kedy s t\u00fdm za\u010da\u0165.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Na druh\u00fd pilier nesiahajte, sta\u010d\u00ed skontrolova\u0165 opr\u00e1vnen\u00fa osobu<\/h2>\n\n\n\n<p>Mlad\u00fdm \u013eu\u010fom v s\u00fa\u010dasnosti automaticky odch\u00e1dzaj\u00fa \u0161tyri percent\u00e1 z povinn\u00fdch odvodov na d\u00f4chodkov\u00e9 starobn\u00e9 sporenie, teda do druh\u00e9ho piliera, pri\u010dom tieto prostriedky smeruj\u00fa do indexov\u00fdch fondov \u2013 z poh\u013eadu zhodnotenia najv\u00fdhodnej\u0161ej mo\u017enosti.<\/p>\n\n\n\n<p>Patr\u00edte k mlad\u0161ej gener\u00e1cii? Najd\u00f4le\u017eitej\u0161ie je, aby ste z druh\u00e9ho piliera nevystupovali a nechali svoje peniaze na\u010falej zar\u00e1ba\u0165.<\/p>\n\n\n\n<p>Ak m\u00e1te pred sebou e\u0161te desiatky rokov sporenia, nem\u00e1 zmysel neust\u00e1le sledova\u0165 aktu\u00e1lny v\u00fdnos indexov\u00fdch fondov. Nie je podstatn\u00e9, ako sa im darilo v predch\u00e1dzaj\u00facom roku \u2013 d\u00f4le\u017eit\u00fd je dlhodob\u00fd v\u00fdnos.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>Vo v\u00fdpise od d\u00f4chodkovej spr\u00e1vcovskej spolo\u010dnosti si skontrolujte aspo\u0148 opr\u00e1vnen\u00fa osobu, ke\u010f\u017ee prostriedky z druh\u00e9ho piliera sa dedia.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Tret\u00ed pilier bez pr\u00edspevku zamestn\u00e1vate\u013ea ned\u00e1va zmysel<\/h2>\n\n\n\n<p>Pri doplnkovom d\u00f4chodkovom sporen\u00ed, teda tre\u0165om pilieri, je najv\u00e4\u010d\u0161\u00edm l\u00e1kadlom pr\u00edspevok zamestn\u00e1vate\u013ea. Pr\u00e1ve ten predstavuje jeho najv\u00e4\u010d\u0161iu v\u00fdhodu \u2013 bez tohto pr\u00edspevku tret\u00ed pilier ekonomicky ned\u00e1va zmysel.<\/p>\n\n\n\n<p>Ak ste zamestnanec a do tretieho piliera si posielate rovnak\u00fa \u010diastku, ak\u00fa v\u00e1m prispieva zamestn\u00e1vate\u013e, z\u00edskavate vlastne stopercentn\u00fd v\u00fdnos. Ma\u0165 tret\u00ed pilier bez tohto pr\u00edspevku v\u0161ak pod\u013ea m\u0148a nie je v\u00fdhodn\u00e9, najm\u00e4 pre vysok\u00e9 poplatky.<\/p>\n\n\n\n<p><strong>TIP: <\/strong>\u013dudia, ktor\u00ed pri tre\u0165om pilieri nemaj\u00fa zamestnaneck\u00fd benefit, m\u00f4\u017eu na d\u00f4chodok investova\u0165 ove\u013ea efekt\u00edvnej\u0161ie.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Najrozumnej\u0161ie je samostatn\u00e9 investovanie na d\u00f4chodok<\/h2>\n\n\n\n<p>Spolieha\u0165 sa na \u0161t\u00e1tne d\u00f4chodkov\u00e9 piliere je prive\u013emi optimistick\u00e9. V starobe sa v\u00e1m to m\u00f4\u017ee vypomsti\u0165, preto ka\u017ed\u00e9mu odpor\u00fa\u010dam investova\u0165 na d\u00f4chodok aj individu\u00e1lne.<\/p>\n\n\n\n<ul>\n<li>Nie je rozumn\u00e9 spolieha\u0165 sa iba na n\u00e1stroje, ktor\u00e9 politici priebe\u017ene menia. <\/li>\n\n\n\n<li>\u0160t\u00e1t u\u017e v minulosti viackr\u00e1t zasahoval nielen do druh\u00e9ho, ale aj do tretieho piliera.&nbsp;<\/li>\n\n\n\n<li>Najv\u00e4\u010d\u0161ou istotou je spori\u0165 si na d\u00f4chodok aj samostatne.&nbsp;<\/li>\n\n\n\n<li>Na trhu existuje ve\u013ea efekt\u00edvnej\u0161\u00edch investi\u010dn\u00fdch n\u00e1strojov. D\u00f4le\u017eit\u00e9 je za\u010da\u0165 investova\u0165 \u010do najsk\u00f4r a nenecha\u0165 \u00faspory len na be\u017enom \u00fa\u010dte.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj n\u00e1\u0161 \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-slovaci-neinvestuju-a-zbytocne-tak-prichadzaju-o-peniaze\/\"><strong><em>5 d\u00f4vodov, pre\u010do Slov\u00e1ci neinvestuj\u00fa (a zbyto\u010dne tak prich\u00e1dzaj\u00fa o peniaze)&nbsp;<\/em><\/strong><\/a><\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Ide\u00e1lna invest\u00edcia neexistuje<\/h2>\n\n\n\n<p>S investovan\u00edm na d\u00f4chodok sa oplat\u00ed za\u010da\u0165 u\u017e pri prvom pr\u00edjme. \u010c\u00edm sk\u00f4r za\u010dnete, t\u00fdm dlh\u0161ie m\u00f4\u017eu va\u0161e invest\u00edcie r\u00e1s\u0165 v\u010faka zlo\u017een\u00e9mu \u00faro\u010deniu.<\/p>\n\n\n\n<p><strong>Pr\u00edklad: <\/strong>Ak by ste investovali 30 eur mesa\u010dne <a href=\"https:\/\/www.fingo.sk\/blog\/najlepsie-etf-fondy\/\">do ETF fondov<\/a>, po 30 rokoch m\u00f4\u017eete ma\u0165 pri priemernom sedempercentnom v\u00fdnose nasporen\u00fa sumu 35-tis\u00edc eur. Pri investovan\u00ed 100 eur mesa\u010dne by ste po 30 rokoch mohli ma\u0165 takmer 117-tis\u00edc eur.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><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<p>Aj pre star\u0161\u00edch \u013eud\u00ed, ktor\u00ed sa do penzie chystaj\u00fa o 3 \u010di 5 rokov, existuje priestor na vytvorenie zauj\u00edmav\u00e9ho portf\u00f3lia.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Kam si spori\u0165 na d\u00f4chodok?<\/h2>\n\n\n\n<p>Pri investovan\u00ed plat\u00ed z\u00e1kladn\u00e9 pravidlo \u2013 \u010d\u00edm vy\u0161\u0161ie riziko, t\u00fdm vy\u0161\u0161\u00ed potenci\u00e1lny v\u00fdnos a naopak.<\/p>\n\n\n\n<ul>\n<li>Jedna ide\u00e1lna invest\u00edcia neexistuje \u2013 v\u017edy ide o kompromis medzi v\u00fdnosom, rizikom a likviditou. &nbsp;<\/li>\n\n\n\n<li>Sta\u010d\u00ed si premyslie\u0165, ako dlho chcete investova\u0165, ak\u00e9 riziko ste ochotn\u00ed podst\u00fapi\u0165 a ak\u00e9 s\u00fa va\u0161e finan\u010dn\u00e9 mo\u017enosti.&nbsp;<\/li>\n\n\n\n<li>Odpor\u00fa\u010dam tie\u017e invest\u00edcie vhodne diverzifikova\u0165, teda rozlo\u017ei\u0165 ich do viacer\u00fdch akt\u00edv.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/www.fingo.sk\/investovanie\">Na investovanie na d\u00f4chodok<\/a> s\u00fa najvhodnej\u0161ie indexov\u00e9 ETF fondy kop\u00edruj\u00face v\u00fdvoj akciov\u00fdch trhov, ktor\u00e9 maj\u00fa ni\u017e\u0161ie poplatky za spr\u00e1vu a s\u00fa dostupn\u00e9 u\u017e od 20 eur mesa\u010dne.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"554\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/duchod-a-investice_03.png\" alt=\"\" class=\"wp-image-9932\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/duchod-a-investice_03.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/duchod-a-investice_03-300x162.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/03\/duchod-a-investice_03-768x416.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Zvy\u0161ok invest\u00edci\u00ed by mal by\u0165 diverzifikovan\u00fd do r\u00f4znych tried akt\u00edv, ako s\u00fa reality, dlhopisy alebo <a href=\"https:\/\/www.goldenoaktrust.sk\/\">zlato<\/a>.<\/p>\n\n\n\n<p>Na\u0161i profesion\u00e1lni investi\u010dn\u00ed \u0161pecialisti z FinGO.sk v\u00e1m poradia, ako za\u010da\u0165 s efekt\u00edvnym sporen\u00edm na d\u00f4chodok.<\/p>\n\n\n\n<p>V pr\u00edpade ak\u00fdchko\u013evek ot\u00e1zok n\u00e1s nev\u00e1hajte kontaktova\u0165 \u2013 zavolajte n\u00e1m na 0800 60 10 60 alebo n\u00e1m zanechajte kontakt vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/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","protected":false},"excerpt":{"rendered":"<p>Viac ne\u017e dva mili\u00f3ny Slov\u00e1kov si na d\u00f4chodok sporia v druhom pilieri a viac ako mili\u00f3n aj v tre\u0165om pilieri. Spoliehanie sa v\u00fdlu\u010dne na \u0161t\u00e1t v\u0161ak nemus\u00ed by\u0165 najlep\u0161ie rie\u0161enie. Chcete vedie\u0165, ak\u00e9 je najlep\u0161ie sporenie na d\u00f4chodok? To, ktor\u00e9 m\u00e1te vo vlastn\u00fdch ruk\u00e1ch! Na penziu by sme sa mali te\u0161i\u0165. Vidina zasl\u00fa\u017een\u00e9ho oddychu a aktiv\u00edt, ktor\u00e9 sme roky odkladali a \u0161etrili si na jese\u0148 \u017eivota, je ve\u013emi l\u00e1kav\u00e1. Studen\u00e1 sprcha v\u0161ak nast\u00e1va pri poh\u013eade na progn\u00f3zy \u0161t\u00e1tnych d\u00f4chodkov. Slovensko starne a demografick\u00fd v\u00fdvoj je dlhodobo nepriazniv\u00fd a ne\u00faprosn\u00fd. Valoriz\u00e1cia d\u00f4chodkov nest\u00edha dr\u017ea\u0165 krok s infl\u00e1ciou. Probl\u00e9m je, \u017ee ani na d\u00f4chodku \u00faplne nevypadneme z ekonomick\u00e9ho rytmu \u017eivota a na\u0161e pr\u00edjmy, resp. \u00faspory by mali by\u0165 pripraven\u00e9 na to, aby pokryli n\u00e1klady na pl\u00e1novan\u00e9 aktivity. TIP: M\u00e1te mnoho mo\u017enost\u00ed, ako sa na starobu zodpovedne finan\u010dne pripravi\u0165 tak, aby ste si aj t\u00fato zasl\u00fa\u017een\u00fa f\u00e1zu \u017eivota u\u017eili. Na d\u00f4chodkov\u00e9 rie\u0161enia v gescii \u0161t\u00e1tu sa v\u0161ak rozhodne nespoliehajte. Ak\u00fd ve\u013ek\u00fd d\u00f4chodok budete ma\u0165? V\u00fd\u0161ku bud\u00faceho \u0161t\u00e1tneho d\u00f4chodku si dnes viete pomerne presne nasimulova\u0165 a v\u00fdsledok b\u00fdva pre mnoh\u00fdch nepr\u00edjemn\u00fdm vytriezven\u00edm. V elektronickej pobo\u010dke Soci\u00e1lnej pois\u0165ovne si m\u00f4\u017eete pozrie\u0165, ak\u00e1 suma d\u00f4chodku v\u00e1m pod\u013ea aktu\u00e1lne evidovan\u00fdch \u00fadajov vych\u00e1dza. Sta\u010d\u00ed v\u00e1m na to ob\u010diansky [&hellip;]<\/p>\n","protected":false},"author":56,"featured_media":9920,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[52,50],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Samostatn\u00e9 sporenie na d\u00f4chodok je k\u013e\u00fa\u010dom k d\u00f4stojnej starobe - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Spolieha\u0165 sa na d\u00f4chodok od \u0161t\u00e1tu je prive\u013emi optimistick\u00e9. A ak\u00e9 je najlep\u0161ie sporenie na d\u00f4chodok? 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