{"id":18506,"date":"2023-05-18T23:43:09","date_gmt":"2023-05-18T21:43:09","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=18506"},"modified":"2024-05-13T14:56:57","modified_gmt":"2024-05-13T12:56:57","slug":"dochodkove-sporenie","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/dochodkove-sporenie\/","title":{"rendered":"D\u00f4chodkov\u00e9 sporenie"},"content":{"rendered":"<p><strong>D\u00f4chodok je \u010doraz \u010dastej\u0161ie sklo\u0148ovanou t\u00e9mou v na\u0161ej spolo\u010dnosti. M\u00e1lokto v\u0161ak naozaj vie, ako to funguje a aj to \u013eud\u00ed \u010dasto ober\u00e1 o \u00faspory, ktor\u00e9 by si mohli u\u017e\u00edva\u0165 v d\u00f4chodkovom veku. Viete, ako funguje n\u00e1\u0161 d\u00f4chodkov\u00fd syst\u00e9m a vyu\u017e\u00edvate aj vy d\u00f4chodkov\u00e9 sporenie spr\u00e1vne? <\/strong><\/p>\n<h2>D\u00f4chodkov\u00e9 sporenie ako tak\u00e9<\/h2>\n<p>Technicky je starobn\u00e9 d\u00f4chodkov\u00e9 sporenie n\u00e1zvom, ktor\u00fd ozna\u010duje sporenie v slovenskom druhom pilieri d\u00f4chodkov\u00e9ho syst\u00e9mu. Tomu tu v\u0161ak budeme venova\u0165 samostatn\u00fa \u010das\u0165. Okrem toho chceme zv\u00fdrazni\u0165 a podotkn\u00fa\u0165, \u017ee d\u00f4chodkov\u00e9 sporenie a pr\u00edprava na d\u00f4chodok ako tak\u00e1 je ve\u013emi d\u00f4le\u017eit\u00e1 a to v ka\u017edej mo\u017enej dostupnej forme. Tento \u010dl\u00e1nok sa teda bude venova\u0165 viacer\u00fdm mo\u017enostiam, ako sa pripravi\u0165 na d\u00f4chodok.<\/p>\n<h2>Druh\u00fd pilier<\/h2>\n<p>Okrem prv\u00e9ho piliera, ktor\u00fd je vypl\u00e1can\u00fd zo Soci\u00e1lnej pois\u0165ovne, pozn\u00e1me aj takzvan\u00fd druh\u00fd pilier. Ten je s\u00fa\u010das\u0165ou trojpilierov\u00e9ho d\u00f4chodkov\u00e9ho syst\u00e9mu, ktor\u00fd je na Slovensku u\u017e od roku 2004.<br \/>\nDruh\u00fd pilier funguje na princ\u00edpe, \u017ee \u010das\u0165 odvodov, ktor\u00e9 ka\u017ed\u00fd mesiac odv\u00e1dzate do Soci\u00e1lnej pois\u0165ovne, sa vr\u00e1tia sp\u00e4\u0165 na v\u00e1\u0161 s\u00fakromn\u00fd \u00fa\u010det v d\u00f4chodcovskej spr\u00e1vcovskej spolo\u010dnosti. N\u00e1sledne t\u00e1to vami vybran\u00e1 d\u00f4chodcovsk\u00e1 spr\u00e1vcovsk\u00e1 spolo\u010dnos\u0165 (\u010falej u\u017e len DSS) zhodnocuje prostriedky pod\u013ea toho, do ak\u00e9ho fondu ste sa rozhodli investova\u0165.<\/p>\n<h2>Nastavenie druh\u00e9ho piliera<\/h2>\n<p>V\u00fdber toho spr\u00e1vneho fondu\/vhodnej strat\u00e9gie nemus\u00ed by\u0165 v\u017edy jednoduch\u00fd. Ak m\u00e1te do d\u00f4chodku e\u0161te \u010faleko, dlhodob\u00fd trend ukazuje, \u017ee by ste mali svoje prostriedky presun\u00fa\u0165 do indexov\u00fdch fondov. Tie s\u00fa z dlhodob\u00e9ho h\u013eadiska a z h\u013eadiska zhodnocovania pe\u0148az\u00ed najefekt\u00edvnej\u0161ie. Neraz sa stane, \u017ee prekonaj\u00fa aj hranicu 10% p.a. Na druh\u00fa stranu pri nich mus\u00edte akceptova\u0165 aj riziko spojen\u00e9 s poklesom hodnoty va\u0161ich invest\u00edci\u00ed. Pokles m\u00f4\u017ee by\u0165 takisto rovnako strm\u00fd ako rast. Pri tak dlhodob\u00fdch invest\u00edci\u00e1ch ako je d\u00f4chodok v\u0161ak nemus\u00ed predstavova\u0165 kr\u00e1tkodob\u00fd pokles \u017eiaden v\u00e4\u010d\u0161\u00ed probl\u00e9m.<\/p>\n<h2>Tret\u00ed pilier<\/h2>\n<p>Tret\u00ed pilier je posledn\u00fdm ofici\u00e1lnym d\u00f4chodkov\u00fdm pilierom na Slovensku. Pokia\u013e nevykon\u00e1vate pr\u00e1ce, ktor\u00e9 s\u00fa klasifikovan\u00e9 ako takzvan\u00e9 rizikov\u00e9 pr\u00e1ce &#8211; vtedy vznik\u00e1 v\u00e1\u0161mu zamestn\u00e1vate\u013eovi povinnos\u0165 prihl\u00e1si\u0165 v\u00e1s do tretieho piliera do 30 dn\u00ed odo d\u0148a, kedy ste nast\u00fapili do v\u00fdkonu pr\u00e1ce.<br \/>\nTret\u00ed pilier je dobrovo\u013en\u00fd a cel\u00e9 sporenie je zalo\u017een\u00e9 na dobrovo\u013en\u00fdch pr\u00edspevkoch zo strany zamestn\u00e1vate\u013ea a zamestnanca &#8211; teda sporite\u013ea.<br \/>\nV pr\u00edpade, \u017ee m\u00e1te zamestn\u00e1vate\u013ea, ktor\u00fd v\u00e1m tento benefit pon\u00fakol, situ\u00e1cia m\u00f4\u017ee vyzera\u0165 napr\u00edklad takto:<br \/>\nVy si zo svojej mzdy odv\u00e1dzate do DDS 30\u20ac mesa\u010dne a zamestn\u00e1vate\u013e to dotuje \u010fal\u0161\u00edmi 30\u20ac. V takomto pr\u00edpade v\u00e1m na \u00fa\u010dte v DDS ka\u017ed\u00fd mesiac pribudne 60\u20ac, ktor\u00e9 sa e\u0161te n\u00e1sledne zhodnocuj\u00fa. To, ak\u00fdm sp\u00f4sobom bud\u00fa zhodnoten\u00e9, m\u00e1te op\u00e4\u0165 v ruk\u00e1ch vy pri podpise \u00fa\u010dastn\u00edckej zmluvy &#8211; zmluva, ktorou si zaklad\u00e1te svoje dobrovo\u013en\u00e9 doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie. Ka\u017ed\u00e1 spolo\u010dnos\u0165 m\u00e1 na v\u00fdber svoje vlastn\u00e9 fondy, do ktor\u00fdch m\u00f4\u017eete investova\u0165. Na z\u00e1klade toho, v akom fonde sa bud\u00fa va\u0161e peniaze zhodnocova\u0165 m\u00f4\u017eete o\u010dak\u00e1va\u0165 bud\u00face v\u00fdnosy ale aj s investovan\u00edm spojen\u00e9 rizik\u00e1.<br \/>\n<figure id=\"attachment_18508\" aria-describedby=\"caption-attachment-18508\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-18508 size-full\" src=\"https:\/\/www.euroekonom.sk\/wp-content\/2020\/04\/dochodkove-sporenie-1.jpg\" alt=\"D\u00f4chodkov\u00e9 sporenie\" width=\"900\" height=\"595\" \/><figcaption id=\"caption-attachment-18508\" class=\"wp-caption-text\">D\u00f4chodkov\u00e9 sporenie<\/figcaption><\/figure><br \/>\nOkrem toho m\u00e1 tret\u00ed pilier e\u0161te v\u00fdhodu v tom, \u017ee m\u00f4\u017eete \u010das\u0165 nasporen\u00fdch pe\u0148az\u00ed v pr\u00edpade potreby vybra\u0165 po 10 rokoch od zalo\u017eenia sporenia. To sa v\u0161ak m\u00f4\u017ee sp\u00e1ja\u0165 s poplatkom, a tak je dobr\u00e9 sa o tom dopredu informova\u0165.<\/p>\n<h2>S\u00fakromn\u00e9 sporenie na d\u00f4chodok<\/h2>\n<p>V pr\u00edpade, \u017ee sa za\u010dnete pripravova\u0165 na d\u00f4chodok formou pilierov\u00e9ho syst\u00e9mu, je jasn\u00e9, \u017ee ot\u00e1zku d\u00f4chodku beriete v\u00e1\u017ene. V takomto pr\u00edpade by ste mali ur\u010dite uva\u017eova\u0165 aj nad mo\u017enos\u0165ou vytvori\u0165 si svoje vlastn\u00e9, \u00faplne nez\u00e1visl\u00e9 sporenie, napr\u00edklad do podielov\u00fdch fondov. V pr\u00edpade, \u017ee patr\u00edte medzi n\u00e1ro\u010dnej\u0161\u00edch investorov, m\u00f4\u017eete sk\u00fasi\u0165 investova\u0165 do nehnute\u013enost\u00ed a podnikate\u013esk\u00fdch pr\u00edle\u017eitost\u00ed. Okrem toho existuj\u00fa aj in\u00e9 formy investovania, pri ktor\u00fdch je \u00farok vy\u0161\u0161\u00ed ako ten \u0161tandardne pon\u00fakan\u00fd v banke.<br \/>\nPri t\u00fdchto invest\u00edci\u00e1ch je v\u0161ak v\u017edy d\u00f4le\u017eit\u00e9 pozna\u0165 rizik\u00e1, s ktor\u00fdmi sa investovanie sp\u00e1ja. Napr\u00edklad pri nehnute\u013enostiach m\u00f4\u017eete ma\u0165 nesk\u00f4r probl\u00e9my s n\u00e1sledn\u00fdm predajom.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00f4chodok je \u010doraz \u010dastej\u0161ie sklo\u0148ovanou t\u00e9mou v na\u0161ej spolo\u010dnosti. M\u00e1lokto v\u0161ak naozaj vie, ako to funguje a aj to \u013eud\u00ed \u010dasto ober\u00e1 o \u00faspory, ktor\u00e9 &hellip; <\/p>\n","protected":false},"author":5,"featured_media":24864,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[373,251],"class_list":["post-18506","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam","tag-dochodkove-sporenie","tag-financie"],"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 sporenie<\/title>\n<meta name=\"description\" content=\"D\u00f4chodok je \u010doraz \u010dastej\u0161ie sklo\u0148ovanou t\u00e9mou v na\u0161ej spolo\u010dnosti. Viete, ako funguje n\u00e1\u0161 d\u00f4chodkov\u00fd syst\u00e9m a vyu\u017e\u00edvate aj vy d\u00f4chodkov\u00e9 sporenie spr\u00e1vne?\" \/>\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-sporenie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00f4chodkov\u00e9 sporenie\" \/>\n<meta property=\"og:description\" content=\"D\u00f4chodok je \u010doraz \u010dastej\u0161ie sklo\u0148ovanou t\u00e9mou v na\u0161ej spolo\u010dnosti. Viete, ako funguje n\u00e1\u0161 d\u00f4chodkov\u00fd syst\u00e9m a vyu\u017e\u00edvate aj vy d\u00f4chodkov\u00e9 sporenie spr\u00e1vne?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vrtulniky.sk\/news\/dochodkove-sporenie\/\" \/>\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=\"2023-05-18T21:43:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-13T12:56:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/geodeticke-sluzby.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"920\" \/>\n\t<meta property=\"og:image:height\" content=\"789\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 min\u00faty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/\"},\"author\":{\"name\":\"Marta\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/person\\\/c0a8939002b2237daa4a1bd4f544e01f\"},\"headline\":\"D\u00f4chodkov\u00e9 sporenie\",\"datePublished\":\"2023-05-18T21:43:09+00:00\",\"dateModified\":\"2024-05-13T12:56:57+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/\"},\"wordCount\":804,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/geodeticke-sluzby.jpg\",\"keywords\":[\"d\u00f4chodkov\u00e9 sporenie\",\"financie\"],\"articleSection\":[\"Financie\",\"Podnik\u00e1m\"],\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/\",\"name\":\"D\u00f4chodkov\u00e9 sporenie\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/dochodkove-sporenie\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/geodeticke-sluzby.jpg\",\"datePublished\":\"2023-05-18T21:43:09+00:00\",\"dateModified\":\"2024-05-13T12:56:57+00:00\",\"description\":\"D\u00f4chodok je \u010doraz \u010dastej\u0161ie sklo\u0148ovanou t\u00e9mou v na\u0161ej spolo\u010dnosti. 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