Teise sambasse koguneb raha m\u00e4rkamatult ja automaatselt \u2013 inimene ei pea ise \u00fclekandeid tegema ega raha k\u00f5rvale panema. Selleks, et teise samba maksusoodustusest viimast v\u00f5tta, saab maksem\u00e4\u00e4ra t\u00f5sta 4 v\u00f5i 6 protsendini.<\/p>\n
\u00abPensioni kogumine on pikaajaline, kuid n\u00e4iteks keskmise palgaga kogujal on t\u00e4navu \u00fcheksa kuuga teise sambasse kogunenud juba ligikaudu 2000 eurot,\u00bb selgitas SEB Varahalduse juht Gert Vilms, lisades, et avalduse tegemiseks on aega kuni 30. novembrini.<\/p>\n
Pensioniks valmistumisel on teine sammas paljude esimene eelistus. \u00abInimesed usaldavad kogumist \u2013 pea 60 000 inimest on juba t\u00f5stnud oma maksem\u00e4\u00e4ra 6 protsendini, et maksusoodustusest osa saada,\u00bb t\u00f5i Vilms v\u00e4lja.<\/p>\n
T\u00e4iendav sissemakse kolmandasse sambasse<\/p>\n
Aasta l\u00f5pus on inimestel laekunud tuludest parim \u00fclevaade ja soovi korral saab kolmandasse pensionisambasse teha lisasissemakse, et kogu oma tulumaksulimiit ehk 15 protsenti brutosissetulekutest \u00e4ra kasutada, arvestades seejuures 6000 euro piirm\u00e4\u00e4ra aastas.<\/p>\n
Et saada kolmandast pensionisambast tulumaks tagasi, tuleks pensionifondi sissemakse teha hiljemalt 29. detsembril.<\/p>\n
\u00abKuna tulumaksum\u00e4\u00e4r t\u00f5usis, siis t\u00e4navusi tulusid deklareerides saab 2026. aastal tagasi 22 protsenti. Tulumaks tagastatakse \u00fcksnes siis, kui aasta jooksul makstakse tulumaksu,\u00bb selgitas Vilms.<\/p>\n
Kontrollige pensionifondi tootlikkuse k\u00f5rval ka vastavust vanusele<\/p>\n
Kui juba teise samba maksem\u00e4\u00e4ra t\u00f5stma asuda v\u00f5i arvutada, palju kolmandasse sambasse lisaks kanda, soovitab Vilms \u00fcle vaadata, millisesse fondi kogutakse.<\/p>\n
\u00abKogujad j\u00e4lgivad sageli fondi tootlust, kuid sellest olulisem on veenduda, et kogutakse vanusele vastavas fondis,\u00bb selgitas ta.<\/p>\n
\u00abNoorematele sobivad enamasti aktsiafondid, mille tulu teenimise v\u00f5imalus pikema aja jooksul on suurem ja mis on ajalooliselt \u00fcletanud ka inflatsiooni. Kui pensioniiga on juba ukse ees, oleks m\u00f5istlik paigutada raha j\u00e4rjest v\u00e4iksema aktsiaosakaalu ja madalama riskitasemega fondidesse,\u00bb lisas Vilms.<\/p>\n","protected":false},"excerpt":{"rendered":"Teise sambasse koguneb raha m\u00e4rkamatult ja automaatselt \u2013 inimene ei pea ise \u00fclekandeid tegema ega raha k\u00f5rvale panema.…\n","protected":false},"author":2,"featured_media":36713,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[26,27,37,33,35,34,36,31,32,21,28013,28,29,19,777,25,26109,23,24,22,20,30],"class_list":{"0":"post-55070","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-eesti","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-ee","11":"tag-eesti","12":"tag-eesti-keel","13":"tag-estonia","14":"tag-estonian","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-kolmas-sammas","19":"tag-latest-news","20":"tag-latestnews","21":"tag-news","22":"tag-pension","23":"tag-populaarseimad-lood","24":"tag-teine-sammas","25":"tag-top-stories","26":"tag-topstories","27":"tag-uldised-uudised","28":"tag-uudised","29":"tag-viimased-uudised"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/115648927009525792","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/55070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=55070"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/55070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/36713"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=55070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=55070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=55070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}