{"id":38058,"date":"2025-11-12T05:16:06","date_gmt":"2025-11-12T05:16:06","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/38058\/"},"modified":"2025-11-12T05:16:06","modified_gmt":"2025-11-12T05:16:06","slug":"planuojate-pasitraukti-is-ii-pensiju-pakopos-siuncia-jums-1-svarbia-zinia","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/38058\/","title":{"rendered":"Planuojate pasitraukti i\u0161 II pensij\u0173 pakopos? Siun\u010dia jums 1 svarbi\u0105 \u017eini\u0105"},"content":{"rendered":"\n<p>Daugeliui galimyb\u0117 i\u0161siimti II pakopoje sukauptas l\u0117\u0161as atrodo kaip nebloga proga praturt\u0117ti. \u0160ioje pakopoje yra sukaupta apie 9 milijardai eur\u0173 ir prognozuojama, kad apie pus\u0117 kaupian\u010di\u0173j\u0173 pasinaudos galimybe papildyti savo pinigines.<\/p>\n<p>Vis d\u0117lto ekspertai primena \u2013 <a href=\"https:\/\/www.tv3.lt\/naujiena\/verslas\/gausite-ne-visus-pinigus-stai-kiek-ju-leis-atsiimti-is-ii-pakopos-n1467405\" rel=\"nofollow noopener\" target=\"_blank\">atgausite ne vis\u0105 sum\u0105<\/a>, o tik savo investuotus pinigus bei u\u017edirbt\u0105 investicin\u0119 gr\u0105\u017e\u0105, ra\u0161oma prane\u0161ime spaudai.<\/p>\n<p>   Ragina atsakyti sau vien\u0105 klausim\u0105 <\/p>\n<p>Svarstantiems, kaip pasielgti b\u016bt\u0173 teisingiausia, finansini\u0173 technologij\u0173 bendrov\u0117s \u201eInbank\u201c paskolos produkto pardavim\u0173 vadov\u0117 Kamil\u0117 Dijokait\u0117 sako, kad esminis klausimas, kur\u012f reik\u0117t\u0173 sau atsakyti, yra toks: k\u0105 darysite su tais pinigais?<\/p>\n<p>\u201eI\u0161leisti juos vartojimui tikrai neb\u016bt\u0173 pats protingiausias sprendimas. Investuotos l\u0117\u0161os atsiperka labiau, kai ilgai j\u0173 nejudini, tad \u0161i\u0105 taisykl\u0119 vert\u0117t\u0173 prisiminti.<\/p>\n<p>Pati esu pasinaudojusi galimybe i\u0161siimti dal\u012f III pakopoje sukaupt\u0173 l\u0117\u0161\u0173 ir dar dabar gailiuosi \u0161io sprendimo, nes matau, kad \u0161iuo metu mano u\u017edirbta suma gal\u0117t\u0173 b\u016bti didesn\u0117\u201c, \u2013 sako ekspert\u0117.<\/p>\n<p>Pana\u0161i\u0105 galimyb\u0119 ka\u017ekada gav\u0119 estai ja taip pat aktyviai naudojosi, tokio \u201elango\u201c metu buvo i\u0161siimta 1,3 milijardo eur\u0173, tai padar\u0117 ma\u017edaug 36 proc. kaupime dalyvavusi\u0173 pilie\u010di\u0173.<\/p>\n<p>\u201eM\u016bs\u0173 kolegos i\u0161 Estijos dalijasi duomenimis, kad did\u017eioji dalis atsi\u0117musi\u0173 l\u0117\u0161as i\u0161leido jas elektronikai ar pramogoms. Nors estai link\u0119 labiau investuoti, kad pinigai neb\u016bt\u0173 kojin\u0117je, vis tiek pasidav\u0117 pagundai.<\/p>\n<p><a href=\"https:\/\/www.tv3.lt\/rubrika\/naujienos\/lietuva\" target=\"_blank\" class=\"phrase\" rel=\"nofollow noopener\">Lietuvos<\/a> banko 2025 m. II ketvir\u010dio duomenimis, lietuviai turi net 4 mlrd. gryn\u0173j\u0173 pinig\u0173 ir net 15 mlrd. pervedam\u0173j\u0173 <a href=\"https:\/\/www.indeliai.lt\/\" target=\"_blank\" class=\"phrase\" rel=\"nofollow noopener\">ind\u0117li\u0173<\/a> \u2013 tai rodo, kad nema\u017ea dalis lietuvi\u0173 savo santaupas \u012fprat\u0119 laikyti tiesiog banko s\u0105skaitose, tod\u0117l yra tikimyb\u0117, kad atsiradus galimybei i\u0161siimti sukauptas l\u0117\u0161as, jos bus i\u0161leistos neapdairiai\u201c, \u2013 kaimyn\u0173 patirt\u012f apibendrina K. Dijokait\u0117.<\/p>\n<p>Estijos 2021 m. patirtis rodo, kad gyventojai, atsi\u0117m\u0119 pinigus, elg\u0117si labai skirtingai: i\u0161kart \u017eenkliai i\u0161augo ir vartojimas (tam buvo i\u0161leista ma\u017edaug 15 proc. atsiimt\u0173 l\u0117\u0161\u0173), ypa\u010d gyventoj\u0173 i\u0161laidos augo drabu\u017ei\u0173, buities prie\u017ei\u016bros preki\u0173, <a href=\"https:\/\/www.tv3.lt\/rubrika\/naujienos\/verslas\/transportas\" target=\"_blank\" class=\"phrase\" rel=\"nofollow noopener\">transporto<\/a> priemoni\u0173 ir rekreacini\u0173 paslaug\u0173 sektoriuose. Po reformos i\u0161augo ir ind\u0117li\u0173 skai\u010dius bankuose bei gr\u0105\u017eint\u0173 vartojimo paskol\u0173 skai\u010dius.<\/p>\n<p>      <a href=\"https:\/\/www.tv3.lt\/Uploads\/UGallery\/photos\/35\/c5\/1f\/67\/35c51f6795059ff7571cd1099ff1f50e.jpg\" data-fancybox=\"photos-embed\" data-caption=\"Grynieji pinigai. Karolinos Gud\u017ei\u016bnien\u0117s (ELTA) nuotr.\" target=\"_self\" rel=\"nofollow noopener\"> <img decoding=\"async\" class=\"photo-inside-article\" align=\"center\" alt=\"Grynieji pinigai. Karolinos Gud\u017ei\u016bnien\u0117s (ELTA) nuotr.\" title=\"Grynieji pinigai. Karolinos Gud\u017ei\u016bnien\u0117s (ELTA) nuotr.\" src=\"https:\/\/www.europesays.com\/lt\/wp-content\/uploads\/2025\/11\/1762924566_4_35c51f6795059ff7571cd1099ff1f50e.jpg\" width=\"684\" height=\"654\" loading=\"lazy\" \/> <\/a>       Jeigu jau i\u0161siimti \u2013 tai bent neskub\u0117ti <\/p>\n<p>Galimybe i\u0161siimti savo sukauptas l\u0117\u0161as bus galima pasinaudoti dvejus metus, tad min\u0117tos finansini\u0173 technologij\u0173 bendrov\u0117s partneri\u0173 pardavim\u0173, Vilniaus regiono vadov\u0117 Migl\u0117 Vasiliauskait\u0117 sako, kad jeigu visgi planuojate tai daryti, bet ne\u017einote, k\u0105 veiksite su pinigais, bent neskub\u0117kite.\u00a0 \u201eJeigu neturite plano, neskub\u0117kite priimti sprendimo\u201c, \u2013 ragina ji.<\/p>\n<p>Nuolat su verslais bendraujanti M. Vasiliauskait\u0117 sako, kad prekybos \u012fmon\u0117s pasiruo\u0161usios pirmam bumui \u017emoni\u0173, kurie kuo grei\u010diau nori pasiimti pinigus ir skub\u0117s juos i\u0161leisti. Jau dabar gird\u0117ti, kad ruo\u0161iamos specialios kampanijos, kvietimai atvykti, apsi\u017ei\u016br\u0117ti ir pirkti.<\/p>\n<p>\u201eVargu, ar tas pirkinys suteiks finansin\u0117s laisv\u0117s ilgalaik\u0117je perspektyvoje. Kelion\u0117 \u012f Maldyvus bus smagi, bet ji praeis.<\/p>\n<p>Kai esi jaunas, <a href=\"https:\/\/www.tv3.lt\/pensija\" target=\"_blank\" class=\"phrase\" rel=\"nofollow noopener\">pensija<\/a> atrodo tolima, tod\u0117l atrodo, kad pinigai dabar gali b\u016bti sprendimas. Ta\u010diau v\u0117liau b\u016btent \u0161is nepadarytas ind\u0117lis gali tur\u0117ti \u012ftakos oriai senatvei\u201c, \u2013\u00a0 akcentuoja ekspert\u0117.<\/p>\n<p>Abi ekspert\u0117s sutaria, kad b\u016btin\u0173 pirkini\u0173 ar nor\u0173 \u012fgyvendinimui galima rinktis kitas finansines priemones, kurios pad\u0117t\u0173 i\u0161saugoti jau atliktas investicijas ir neleist\u0173 turimiems pinigams nuvert\u0117ti.<\/p>\n","protected":false},"excerpt":{"rendered":"Daugeliui galimyb\u0117 i\u0161siimti II pakopoje sukauptas l\u0117\u0161as atrodo kaip nebloga proga praturt\u0117ti. \u0160ioje pakopoje yra sukaupta apie 9&hellip;\n","protected":false},"author":2,"featured_media":38059,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[10289,25,30,31,57,43,34,35,55,48,24,54,51,49,50,32,33,37,39,36,38,40,45,23,22,44,28,29,53,42,56,47,26,27,41,46,58,52],"class_list":{"0":"post-38058","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-antrastes","8":"tag-2025-11-11-181000","9":"tag-antrastes","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-daiktai","13":"tag-dienos-kronika","14":"tag-featured-news","15":"tag-featurednews","16":"tag-gatves-tekstai","17":"tag-gyvenimas","18":"tag-headlines","19":"tag-interneto-pievos","20":"tag-keliones","21":"tag-kultura","22":"tag-laisvalaikis","23":"tag-latest-news","24":"tag-latestnews","25":"tag-lietuva","26":"tag-lietuviu","27":"tag-lithuania","28":"tag-lithuanian","29":"tag-lt","30":"tag-mokslas-ir-it","31":"tag-naujienos","32":"tag-news","33":"tag-pasaulis","34":"tag-populiariausios-naujienos","35":"tag-populiariausiosnaujienos","36":"tag-projektai","37":"tag-rinktiniai-tekstai","38":"tag-simtmecio-portalas","39":"tag-sportas","40":"tag-top-stories","41":"tag-topstories","42":"tag-tv3-lt","43":"tag-verslas","44":"tag-video","45":"tag-zaidimai"},"share_on_mastodon":{"url":"","error":"Validation failed: Text character limit of 500 exceeded"},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/38058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/comments?post=38058"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/38058\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/38059"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=38058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=38058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=38058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}