{"id":11252,"date":"2023-04-09T20:02:23","date_gmt":"2023-04-09T18:02:23","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=11252"},"modified":"2024-05-13T14:57:17","modified_gmt":"2024-05-13T12:57:17","slug":"dochodkove-systemy","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/dochodkove-systemy\/","title":{"rendered":"D\u00f4chodkov\u00e9 syst\u00e9my"},"content":{"rendered":"<h2>D\u00f4chodkov\u00e9 syst\u00e9my vo svete<\/h2>\n<p>Vo svete existuj\u00fa tieto d\u00f4chodkov\u00e9 syst\u00e9my:<\/p>\n<ul>\n<li>Bismarckov poistn\u00fd syst\u00e9m<\/li>\n<li>Beveridgov (flat-rate) syst\u00e9m<\/li>\n<li>Dvojzlo\u017ekov\u00e1 kon\u0161trukcia<\/li>\n<li>Poistn\u00fd syst\u00e9m so stanoven\u00fdm minimom<\/li>\n<li>Priebe\u017en\u00fd sp\u00f4sob financovania<\/li>\n<li>Kapitaliza\u010dn\u00fd sp\u00f4sob financovania<\/li>\n<li>Zmie\u0161an\u00fd sp\u00f4sob financovania<\/li>\n<\/ul>\n<h2>D\u00f4chodkov\u00fd syst\u00e9m na Slovensku<\/h2>\n<p>Slovensk\u00e1 republika prist\u00fapila po roku 2003 k rozsiahlej reforme d\u00f4chodkov\u00e9ho syst\u00e9mu, v d\u00f4sledku \u010doho sa jednopilierov\u00fd syst\u00e9m so stanoven\u00fdmi &#8211; syst\u00e9m priebe\u017en\u00e9ho financovania s medzigenera\u010dn\u00fdm prerozdelen\u00edm, zmenil na syst\u00e9m postaven\u00fd na troch samostatn\u00fdch pilieroch.<br \/>\nD\u00f4chodkov\u00fd syst\u00e9m na Slovensku sa sklad\u00e1 z troch pilierov:<\/p>\n<ul>\n<li><strong>1. pilier je priebe\u017en\u00fd<\/strong> &#8211; je zameran\u00fd na d\u00f4chodkov\u00e9 poistenie zria\u010fovate\u013eom je soci\u00e1lna pois\u0165ov\u0148a<\/li>\n<li><strong>2. pilier je kapitaliza\u010dn\u00fd<\/strong> &#8211; zameriava sa na starobn\u00e9 d\u00f4chodkov\u00e9 poistenie. Zria\u010fuj\u00fa ho d\u00f4chodkov\u00e9 spr\u00e1vcovsk\u00e9 spolo\u010dnosti. Naz\u00fdva sa aj d\u00f4chodkov\u00e9 sporenie<\/li>\n<li><strong>3. pilier predstavuje d\u00f4chodkov\u00e9 poistenie a je dobrovo\u013en\u00fd a kapitaliza\u010dn\u00fd<\/strong> &#8211; jedn\u00e1 sa o doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie, \u017eivotn\u00e9 poistenie, investovanie do fondov, \u00fa\u010delov\u00e9 sporenie cez banku<\/li>\n<\/ul>\n<p>Reformovan\u00fd viacpilierov\u00fd d\u00f4chodkov\u00fd syst\u00e9m zvy\u0161uje mieru spolu\u00fa\u010dasti sporite\u013ea na jeho bud\u00facom d\u00f4chodku. Z\u00e1rove\u0148 v\u0161ak tento syst\u00e9m vy\u017eaduje vy\u0161\u0161iu mieru znalosti syst\u00e9mov a teda zvy\u0161uje n\u00e1roky na vzdelanos\u0165 v danej oblasti.<\/p>\n<h2>D\u00f4chodkov\u00fd syst\u00e9m v \u010ceskej republike<\/h2>\n<p>D\u00f4chodkov\u00fd syst\u00e9m v \u010cR sa sklad\u00e1 z dvoch pilierov.<\/p>\n<ul>\n<li><strong>1. pilier predstavuje povinn\u00e9 z\u00e1kladn\u00e9 poistenie<\/strong>, d\u00e1vkovo definovan\u00e9 a priebe\u017ene financovan\u00e9. Je univerz\u00e1lne a zabezpe\u010duje v\u0161etky ekonomicky akt\u00edvne osoby.<\/li>\n<li><strong>2. pilier je dobrovo\u013en\u00e9 doplnkov\u00e9, pr\u00edspevkovo definovan\u00e9, kapit\u00e1lovo financovan\u00e9 d\u00f4chodkov\u00e9 poistenie<\/strong> so \u0161t\u00e1tnym pr\u00edspevkom<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>D\u00f4chodkov\u00e9 syst\u00e9my vo svete Vo svete existuj\u00fa tieto d\u00f4chodkov\u00e9 syst\u00e9my: Bismarckov poistn\u00fd syst\u00e9m Beveridgov (flat-rate) syst\u00e9m Dvojzlo\u017ekov\u00e1 kon\u0161trukcia Poistn\u00fd syst\u00e9m so stanoven\u00fdm minimom Priebe\u017en\u00fd sp\u00f4sob &hellip; <\/p>\n","protected":false},"author":15,"featured_media":25169,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[128,553],"tags":[],"class_list":["post-11252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomia","category-vzdelavam-sa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00f4chodkov\u00e9 syst\u00e9my<\/title>\n<meta name=\"description\" content=\"D\u00f4chodkov\u00e9 syst\u00e9my vo svete, na Slovensku a v \u010ceskej republike.\" \/>\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.vrtulniky.sk\/news\/dochodkove-systemy\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00f4chodkov\u00e9 syst\u00e9my\" \/>\n<meta property=\"og:description\" content=\"D\u00f4chodkov\u00e9 syst\u00e9my vo svete, na Slovensku a v \u010ceskej republike.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vrtulniky.sk\/news\/dochodkove-systemy\/\" \/>\n<meta property=\"og:site_name\" content=\"Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/vrtulniky\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-09T18:02:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-13T12:57:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/r22-08.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bc. 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