Katru gadu 1. oktobr\u012b notiek pensiju indeks\u0101cija \u2013 tas noz\u012bm\u0113, ka \u0161\u012b br\u012b\u017ea pension\u0101ru valsts pensiju apm\u0113rs tiek p\u0101rskat\u012bts un palielin\u0101ts, \u0146emot v\u0113r\u0101 infl\u0101ciju un da\u013c\u0113ji ar\u012b algu pieaugumu valst\u012b. \u0160\u012b sist\u0113ma ir ieviesta, lai seniori nezaud\u0113tu pirktsp\u0113ju laik\u0101, kad dz\u012bves d\u0101rdz\u012bba pieaug, piem\u0113ram, sad\u0101rdzin\u0101s p\u0101rtika, komun\u0101lie maks\u0101jumi vai medikamenti.<\/p>\n
Ta\u010du ir k\u0101ds sal\u012bdzino\u0161i maz zin\u0101ms fakts, proti, pensijas indeks\u0113 tikai l\u012bdz noteiktai robe\u017eai. \u0160ogad tie ir 1488 eiro un tas noz\u012bm\u0113, ka cilv\u0113kiem, kuru valsts pensija p\u0101rsniedz \u0161o summu, tiek indeks\u0113ta tikai da\u013ca (l\u012bdz \u0161iem 1488 eiro), bet viss, kas ir virs \u0161\u012bs robe\u017eas, netiek aizsarg\u0101ts pret pirktsp\u0113jas mazin\u0101\u0161anos un naudas v\u0113rt\u012bbas nezaud\u0113\u0161anu. Tas noz\u012bm\u0113, ka mazo pensiju sa\u0146\u0113m\u0113ji ir ieguv\u0113ji, jo vi\u0146iem tiek piel\u0101gota visa pensija. Turpret\u012b lielo pensiju sa\u0146\u0113m\u0113ji ir zaud\u0113t\u0101ji, jo da\u013ca ien\u0101kumu netiek aizsarg\u0101ta pret infl\u0101ciju, un ar katru gadu \u0161\u012b da\u013ca k\u013c\u016bst relat\u012bvi maz\u0101k v\u0113rt\u012bga.<\/p>\n
K\u0101 tas str\u0101d\u0101 \u2013 praktisks piem\u0113rs<\/p>\n
K\u0101 piem\u0113ru \u0146emsim cilv\u0113ku, kura apdro\u0161in\u0101\u0161anas st\u0101\u017es ir l\u012bdz 29 gadiem. Ar to saprot darba st\u0101\u017eu un soci\u0101lo iemaksu periodu \u2013 proti, gadus, kuros cilv\u0113ks ir str\u0101d\u0101jis un no algas maks\u0101tas iemaksas pensiju kapit\u0101lam. Jo ilg\u0101k iemaksas veiktas, jo liel\u0101ks ir apdro\u0161in\u0101\u0161anas st\u0101\u017es, un tas tie\u0161i ietekm\u0113 gan pensijas apm\u0113ru, gan ar\u012b to, k\u0101ds indeks\u0101cijas koeficients tiks piem\u0113rots. \u0160ogad vecuma pensij\u0101m ar \u0161\u0101du st\u0101\u017eu piem\u0113ros indeksu 1,0635, kas noz\u012bm\u0113, ka pensija palielin\u0101sies par 6,35%. Tas noz\u012bm\u0113tu, ka, ja pensija ir 1400 eiro, tad t\u0101 tiek indeks\u0113ta piln\u0101 apm\u0113r\u0101 un b\u016btu 1488,90 eiro (1400 \u20ac \u00d7 1,0635). Savuk\u0101rt, ja pensija ir 1600 eiro, tad indeks\u0101cija tiek piem\u0113rota tikai l\u012bdz 1488 eiro un p\u0113c indeks\u0101cijas pensija b\u016btu 1694,97 eiro (1488 \u20ac \u00d7 1,0635 + 112 \u20ac * 1,00) – nevis 1701,60 \u20ac, k\u0101 b\u016btu, ja indeks\u0101cija attiektos uz visu summu). Rezult\u0101t\u0101 \u0161is cilv\u0113ks zaud\u0113 gandr\u012bz 100\u20ac gad\u0101.<\/p>\n
Pie liel\u0101ka pensijas apm\u0113ra, infl\u0101cijas un vair\u0101ku gadu griezum\u0101 \u0161is zaud\u0113jums aug v\u0113l vair\u0101k. \u0160\u0101da indeks\u0101cijas pieeja ir politisks l\u0113mums, kas visdr\u012bz\u0101k ir izskaidrojams ar pie\u0146\u0113mumu, ka lielo algu \u2013 un v\u0113l\u0101k t\u0101tad ar\u012b lielo pensiju – sa\u0146\u0113m\u0113ji ir pietiekami p\u0101rtiku\u0161i un var par savu labkl\u0101j\u012bbu par\u016bp\u0113ties pa\u0161i. Vai tas ir god\u012bgi ir politisks jaut\u0101jums, ta\u010du t\u012bri ekonomiski secin\u0101jums ir vienk\u0101r\u0161s un izklaus\u0101s pat paradoks\u0101li \u2013 infl\u0101cijas rezult\u0101t\u0101 tie\u0161i liel\u0101ku pensiju sa\u0146\u0113m\u0113ji faktiski zaud\u0113 visvair\u0101k.P\u0113c ofici\u0101l\u0101s statistikas datiem Latvij\u0101 \u0161obr\u012bd ir 10 533 cilv\u0113ku, kuru pensija p\u0101rsniedz 1500 eiro, kas sal\u012bdzino\u0161i maz un tas iesp\u0113jams ar\u012b izskaidro, k\u0101p\u0113c par indeks\u0101cijas robe\u017eu tiek run\u0101ts sam\u0113r\u0101 maz \u2013 proti, ir daudz liel\u0101ks pension\u0101ru skaits uz kuriem indeks\u0101cija attiecas piln\u012bb\u0101.<\/p>\n
Un k\u0101 to risin\u0101t?<\/p>\n
\u0160\u012b koment\u0101ra m\u0113r\u0137is nav argument\u0113t, ka \u0161\u0101da pieeja neb\u016btu god\u012bga. K\u0101 jau min\u0113ju, \u0161\u0101da politika ir saist\u0101ma prim\u0101ri ar to, k\u0101 valsts risina nevienl\u012bdz\u012bbas problem\u0101tiku. Bet \u0161is ir svar\u012bgi, ja cilv\u0113ks \u0161obr\u012bd v\u0113l str\u0101d\u0101 un vi\u0146a ien\u0101kumi un karjera liecina, ka n\u0101kotn\u0113 pensija var\u0113tu b\u016bt \u0161aj\u0101 \u201c1500 eiro-plus\u201d grup\u0101 \u2013 un \u0161\u0101du cilv\u0113ku b\u016bs sam\u0113r\u0101 daudz, \u0146emot v\u0113r\u0101 ekonomikas izaugsmi p\u0113d\u0113jo desmit un divdesmit gadu laik\u0101. Un \u0161iem cilv\u0113kiem ir pa\u0161iem j\u0101risina, k\u0101 saglab\u0101t savu dz\u012bves l\u012bmeni, ejot pensij\u0101.<\/p>\n
Un te b\u016btu v\u0113rts laic\u012bgi sev uzdot jaut\u0101jumu \u2013 kas ir mani uzkr\u0101jumi un ieguld\u012bjumi, kas \u013caus kompens\u0113t ien\u0101kumu kritumu pensijas gados, it sevi\u0161\u0137i, \u0146emot v\u0113r\u0101, ka gadiem ejot arvien vair\u0101k tiks izjusts efekts no t\u0101, ka da\u013ca pensijas netiks indeks\u0113ta un t\u0101tad samazin\u0101sies re\u0101l\u0101 izteiksm\u0113. Ieguld\u012bjumu iesp\u0113jas katram, protams, ir vispla\u0161\u0101k\u0101s, ta\u010du ir v\u0113rts izmantot pensiju 3. l\u012bmeni. Iemaksas pensiju 3. l\u012bmen\u012b \u013cauj atg\u016bt da\u013cu samaks\u0101t\u0101 iedz\u012bvot\u0101ju ien\u0101kuma nodok\u013ca \u2013 l\u012bdz pat 25,5% no iemaks\u0101t\u0101s summas par da\u013cu, kas nep\u0101rsniedz 10 % no algas vai 4000 EUR gad\u0101.<\/p>\n
Nodok\u013cu atmaksu sa\u0146em, iesniedzot gada ien\u0101kumu deklar\u0101ciju, ja persona ir Iedz\u012bvot\u0101ju ien\u0101kumu nodok\u013ca maks\u0101t\u0101js. Turkl\u0101t, kr\u0101j\u0113js pats nosaka, cik daudz un kad iemaks\u0101t, bet uzkr\u0101tais kapit\u0101ls ir br\u012bvi pieejams p\u0113c 55 gadu vecuma. \u0160is ir labs risin\u0101jums ien\u0101kumu relat\u012bvam kritumam pensijas gados. \u0160ie nereti ir jaut\u0101jumi, kurus ir gr\u016bti nov\u0113rt\u0113t jaun\u012bb\u0101, bet, pien\u0101kot vecumam, var\u0113tu b\u016bt pat\u012bkami apzin\u0101ties, ka jaun\u012bb\u0101 ir izdar\u012btas t\u0101lredz\u012bgas izv\u0113les.<\/p>\n","protected":false},"excerpt":{"rendered":"Katru gadu 1. oktobr\u012b notiek pensiju indeks\u0101cija \u2013 tas noz\u012bm\u0113, ka \u0161\u012b br\u012b\u017ea pension\u0101ru valsts pensiju apm\u0113rs tiek…\n","protected":false},"author":2,"featured_media":10816,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,869,77,870,28,29,867,32,33,22,30,31,35,39,38,36,37,34,871,868,40,20,26,27,24,25,21],"class_list":{"0":"post-10815","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-biznesa-zinas","10":"tag-bizness","11":"tag-bizness-latvija","12":"tag-breaking-news","13":"tag-breakingnews","14":"tag-dienas-zinas","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-latest-news","19":"tag-latestnews","20":"tag-latvia","21":"tag-latvian","22":"tag-latviesu","23":"tag-latviesu-valoda","24":"tag-latviesuvaloda","25":"tag-latvija","26":"tag-latvijas-biznesa-zinas","27":"tag-latvijas-zinas","28":"tag-lv","29":"tag-news","30":"tag-popularakas-zinas","31":"tag-popularakaszinas","32":"tag-top-stories","33":"tag-topstories","34":"tag-zinas"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/10815","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=10815"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/10815\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/10816"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=10815"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=10815"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=10815"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}