Vair\u0101k nek\u0101 puse Latvijas iedz\u012bvot\u0101ju apzin\u012bgi izv\u0113l\u0113ju\u0161ies pensiju 2. l\u012bme\u0146a pl\u0101nu<\/p>\n
2025. gada nogal\u0113 veikt\u0101s aptaujas dati, ko pas\u016bt\u012bjis Latvijas Banka, atkl\u0101j, ka 56% Latvijas iedz\u012bvot\u0101ju ir apzin\u0101ti izv\u0113l\u0113ju\u0161ies savu pensiju 2. l\u012bme\u0146a ieguld\u012bjumu pl\u0101nu. K\u0101 inform\u0113 Latvijas Sabiedriskie Mediji, tas liecina, ka liel\u0101k\u0101 da\u013ca cilv\u0113ku, kuri veido pensijas uzkr\u0101jumus, ir \u0146\u0113mu\u0161i v\u0113r\u0101 ieteikumu atbild\u012bgi iztur\u0113ties pret savu pensijas kapit\u0101lu. Apzin\u0101ta un piem\u0113rota pl\u0101na izv\u0113le ilgtermi\u0146\u0101 var pal\u012bdz\u0113t uzkr\u0101t b\u016btiski vair\u0101k.<\/p>\n
\u0160\u012bs izmai\u0146as pensiju 2. l\u012bme\u0146a sist\u0113m\u0101 notika ar 2024. gada 1. j\u016bliju, kad tika ieviestas p\u0101rmai\u0146as, lai dal\u012bbnieki b\u016btu lab\u0101k inform\u0113ti par vi\u0146iem atbilsto\u0161iem ieguld\u012bjumu pl\u0101niem. Pensiju 2. l\u012bme\u0146a l\u012bdzek\u013cu p\u0101rvald\u012bt\u0101jiem tagad ir pien\u0101kums izv\u0113rt\u0113t, vai dal\u012bbnieks izmanto savam vecumam un vajadz\u012bb\u0101m atbilsto\u0161u ieguld\u012bjumu pl\u0101nu. Ja tiek konstat\u0113tas neatbilst\u012bbas, p\u0101rvald\u012bt\u0101js par to inform\u0113 un iesaka piem\u0113rot\u0101ko pl\u0101nu. T\u0101pat nov\u0113rots, ka aizvien vair\u0101k pensiju 2. l\u012bme\u0146a dal\u012bbnieku izv\u0113las uzkr\u0101t l\u012bdzek\u013cus augsta riska ieguld\u012bjumu pl\u0101nos, kas ilgtermi\u0146\u0101 potenci\u0101li var sniegt liel\u0101ku ienes\u012bgumu. Dal\u012bbnieku \u012bpatsvars, kuri izv\u0113las ieguld\u012bt augsta riska pl\u0101nos, kop\u0161 2024. gada 1. j\u016blija ir audzis no 33% l\u012bdz 45%.<\/p>\n
Finansi\u0101l\u0101s sekas un apr\u0113\u0137ini<\/p>\n
Latvijas Bankas apr\u0113\u0137ini liecina, ka atbilsto\u0161as ieguld\u012bjumu pl\u0101na izv\u0113le pusotra gada laik\u0101 ir palielin\u0101jusi pensiju 2. l\u012bme\u0146a uzkr\u0101jumus vismaz par 37,5 miljoniem eiro. Tas uzsver apzin\u012bgas izv\u0113les noz\u012bmi ilgtermi\u0146\u0101.<\/p>\n
Tiek nor\u0101d\u012bts, ka cilv\u0113ks, kur\u0161 sa\u0146em vid\u0113jo algu un visu darba m\u016b\u017eu uzkr\u0101j savam vecumam atbilsto\u0161\u0101 ieguld\u012bjumu pl\u0101n\u0101, pensiju 2. l\u012bmen\u012b var uzkr\u0101t aptuveni 760 000 eiro. Savuk\u0101rt, ja uzkr\u0101jums tiek veikts tikai vid\u0113ja riska pl\u0101n\u0101, gala summa var b\u016bt aptuveni divas reizes maz\u0101ka, bet zema riska pl\u0101n\u0101 \u2013 pat tr\u012bs reizes maz\u0101ka. \u0160ie apr\u0113\u0137ini demonstr\u0113, cik liela ir at\u0161\u0137ir\u012bba atkar\u012bb\u0101 no izv\u0113l\u0113t\u0101 pl\u0101na riska l\u012bme\u0146a un piem\u0113rot\u012bbas.<\/p>\n
Pensiju sist\u0113mas izmai\u0146as un tendences<\/p>\n
Ar 2024. gada 1. j\u016bliju pensiju 2. l\u012bme\u0146a regul\u0113jum\u0101 tika ieviestas b\u016btiskas p\u0101rmai\u0146as, kuru m\u0113r\u0137is ir nodro\u0161in\u0101t dal\u012bbniekus ar lab\u0101ku inform\u0101ciju par vi\u0146iem atbilsto\u0161iem ieguld\u012bjumu pl\u0101niem. Pensiju 2. l\u012bme\u0146a l\u012bdzek\u013cu p\u0101rvald\u012bt\u0101jiem tagad ir pien\u0101kums izv\u0113rt\u0113t katra dal\u012bbnieka izmantoto pl\u0101nu attiec\u012bb\u0101 pret vi\u0146a vecumu un vajadz\u012bb\u0101m. Ja tiek konstat\u0113tas neatbilst\u012bbas, p\u0101rvald\u012bt\u0101jiem ir j\u0101inform\u0113 dal\u012bbnieks un j\u0101iesaka piem\u0113rot\u0101kais ieguld\u012bjumu pl\u0101ns. \u0160is pas\u0101kums ir v\u0113rsts uz to, lai pal\u012bdz\u0113tu cilv\u0113kiem maksim\u0101li efekt\u012bvi veidot savus pensijas uzkr\u0101jumus.<\/p>\n
K\u0101 papildu tendence tiek nov\u0113rots, ka aizvien vair\u0101k pensiju 2. l\u012bme\u0146a dal\u012bbnieku izv\u0113las uzkr\u0101t l\u012bdzek\u013cus augsta riska ieguld\u012bjumu pl\u0101nos. \u0160\u0101da izv\u0113le ilgtermi\u0146\u0101 var sniegt liel\u0101ku ienes\u012bgumu, lai gan, protams, ir saist\u012bta ar\u012b ar liel\u0101ku risku. Dal\u012bbnieku \u012bpatsvars, kuri izv\u0113las ieguld\u012bt augsta riska pl\u0101nos, kop\u0161 2024. gada 1. j\u016blija ir audzis no 33% l\u012bdz 45%, kas nor\u0101da uz liel\u0101ku tendenci uz\u0146emties risku cer\u012bb\u0101 uz augst\u0101ku atdevi.<\/p>\n
Apzin\u012bgas izv\u0113les noz\u012bme<\/p>\n
Latvijas Banka uzsver, ka apzin\u0101ta izv\u0113le \u0161odien var b\u016btiski ietekm\u0113t uzkr\u0101jumu n\u0101kotn\u0113. Pensiju 1. un 2. l\u012bmenis Latvij\u0101 ir oblig\u0101ts, un iedz\u012bvot\u0101ji tiek aicin\u0101ti neiztur\u0113ties vieglpr\u0101t\u012bgi pret iesp\u0113ju veidot nodro\u0161in\u0101tas vecumdienas. Ir svar\u012bgi p\u0101rliecin\u0101ties, ka izv\u0113l\u0113tais ieguld\u012bjumu pl\u0101ns atbilst vecumam un individu\u0101laj\u0101m vajadz\u012bb\u0101m. Ja nepiecie\u0161ams, savu pensiju 2. l\u012bme\u0146a pl\u0101nu var nomain\u012bt, izmantojot port\u0101lu Latvija.lv.<\/p>\n
\u0160\u012b tendence liecina par pieaugo\u0161u izpratni sabiedr\u012bb\u0101 par pensijas uzkr\u0101jumu veido\u0161anas noz\u012bmi un akt\u012bv\u0101ku iesaisti savu finan\u0161u n\u0101kotnes pl\u0101no\u0161an\u0101. Apzin\u012bga r\u012bc\u012bba ar pensiju kapit\u0101lu ir viens no galvenajiem faktoriem, kas var nodro\u0161in\u0101t finansi\u0101li stabilas vecumdienas.<\/p>\n
Visp\u0101r\u0113jais konteksts un n\u0101kotnes perspekt\u012bvas<\/p>\n
Pensiju sist\u0113mas 2. l\u012bmenis Latvij\u0101 ir oblig\u0101ts tiem, kas dzimu\u0161i p\u0113c 1971. gada 1. j\u016blija, un taj\u0101 tiek novirz\u012bti 5% no bruto darba algas. \u0160is l\u012bmenis \u013cauj veidot papildu uzkr\u0101jumus, ko p\u0101rvald\u012bt\u0101ji iegulda finan\u0161u tirgos, lai palielin\u0101tu pensijas apm\u0113ru. Tendence aizvien vair\u0101k iedz\u012bvot\u0101ju izv\u0113l\u0113ties augsta riska pl\u0101nus var\u0113tu b\u016bt saist\u012bta ar v\u0113lmi g\u016bt liel\u0101ku atdevi ilgtermi\u0146\u0101, \u012bpa\u0161i jaun\u0101kiem cilv\u0113kiem, kuriem ir vair\u0101k laika kompens\u0113t potenci\u0101los \u012bstermi\u0146a zaud\u0113jumus. Paredzams, ka \u0161\u0101da apzin\u012bg\u0101ka pieeja pensiju pl\u0101nu izv\u0113lei n\u0101kotn\u0113 var\u0113tu pozit\u012bvi ietekm\u0113t kop\u0113jo nodro\u0161in\u0101t\u012bbas l\u012bmeni Latvijas iedz\u012bvot\u0101ju vid\u016b.<\/p>\n","protected":false},"excerpt":{"rendered":"Vair\u0101k nek\u0101 puse Latvijas iedz\u012bvot\u0101ju apzin\u012bgi izv\u0113l\u0113ju\u0161ies pensiju 2. l\u012bme\u0146a pl\u0101nu 2025. gada nogal\u0113 veikt\u0101s aptaujas dati, ko…\n","protected":false},"author":2,"featured_media":115447,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,32,33,4045,22,26753,30,31,35,39,38,36,37,34,46,40,20,26783,7991,26,27,24,25,21],"class_list":{"0":"post-115446","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-finanses","14":"tag-headlines","15":"tag-ieguldijumu-plani","16":"tag-latest-news","17":"tag-latestnews","18":"tag-latvia","19":"tag-latvian","20":"tag-latviesu","21":"tag-latviesu-valoda","22":"tag-latviesuvaloda","23":"tag-latvija","24":"tag-latvijas-banka","25":"tag-lv","26":"tag-news","27":"tag-pensijas-uzkrajums","28":"tag-pensiju-2-limenis","29":"tag-popularakas-zinas","30":"tag-popularakaszinas","31":"tag-top-stories","32":"tag-topstories","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115971183285135182","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/115446","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=115446"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/115446\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/115447"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=115446"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=115446"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=115446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}