{"id":28458,"date":"2025-10-22T18:58:16","date_gmt":"2025-10-22T18:58:16","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/28458\/"},"modified":"2025-10-22T18:58:16","modified_gmt":"2025-10-22T18:58:16","slug":"izskan-satraucosa-informacija-par-nakotnes-pensijam-latvija","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/28458\/","title":{"rendered":"Izskan satrauco\u0161a inform\u0101cija par n\u0101kotnes pensij\u0101m Latvij\u0101"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"lazy lazy-hidden alignnone size-full wp-image-125084\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-lazy-type=\"image\" data-lazy-src=\"https:\/\/www.europesays.com\/lv\/wp-content\/uploads\/2025\/10\/TEEES.jpg\" alt=\"\" width=\"818\" height=\"483\" data-lazy- data-lazy-\/><\/p>\n<p>Latvij\u0101 jau gandr\u012bz ceturtda\u013cgadsimtu darbojas pensiju sist\u0113mas otrais l\u012bmenis, tom\u0113r joproj\u0101m rodas jaut\u0101jums \u2014 vai \u0161is meh\u0101nisms patie\u0161\u0101m sp\u0113s nodro\u0161in\u0101t n\u0101kotnes pension\u0101riem stabilus un cien\u012bjamus ien\u0101kumus?<\/p>\n<p>Nevar atst\u0101t pa\u0161pl\u016bsm\u0101<br \/>Saska\u0146\u0101 ar \u201cCBL Asset Management\u201d veikt\u0101s aptaujas datiem vair\u0101k nek\u0101 puse Latvijas iedz\u012bvot\u0101ju nav inform\u0113ti par to, cik lielus uzkr\u0101jumus vi\u0146i l\u012bdz \u0161im ir izveidoju\u0161i pensiju sist\u0113mas otraj\u0101 l\u012bmen\u012b.<\/p>\n<p>Interesanti, ka vien\u012bg\u0101 vecuma grupa, kur\u0101 apm\u0113ram puse aptauj\u0101to sp\u0113j prec\u012bzi nosaukt savu uzkr\u0101juma apm\u0113ru, ir cilv\u0113ki, kas sasniegu\u0161i 60 gadu vecumu un vec\u0101ki. Tas liecina, ka liel\u0101k\u0101 da\u013ca sabiedr\u012bbas savus n\u0101kotnes ien\u0101kumus pensijas vecum\u0101 uztver sam\u0113r\u0101 pas\u012bvi un nereti nezina, k\u0101 efekt\u012bv\u0101k p\u0101rvald\u012bt savus l\u012bdzek\u013cus.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"lazy lazy-hidden alignnone size-full wp-image-112470\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-lazy-type=\"image\" data-lazy-src=\"https:\/\/www.europesays.com\/lv\/wp-content\/uploads\/2025\/10\/nauda.jpg\" alt=\"\" width=\"818\" height=\"545\" data-lazy- data-lazy-\/><\/p>\n<p>Tom\u0113r eksperti uzsver, ka \u0161aj\u0101 vecum\u0101 uzkr\u0101jumu apm\u0113ru otraj\u0101 pensiju l\u012bmen\u012b b\u016btiski main\u012bt vairs nav iesp\u0113jams, jo gala rezult\u0101tu nosaka l\u0113mumi, kas pie\u0146emti jau pirms daudziem gadiem.<\/p>\n<p>Citiem v\u0101rdiem sakot, iz\u0161\u0137iro\u0161a noz\u012bme ir tam, cik apdom\u012bgi un savlaic\u012bgi cilv\u0113ks r\u012bkojies savas darba dz\u012bves laik\u0101.<\/p>\n<p>Pensiju sist\u0113ma nav k\u0101da abstrakta valsts konstrukcija, kuru iesp\u0113jams ignor\u0113t vai uztvert k\u0101 autom\u0101tisku meh\u0101nismu. Ir j\u0101apzin\u0101s, ka otr\u0101 pensiju l\u012bme\u0146a uzkr\u0101jumi ir katra cilv\u0113ka person\u012bgais \u012bpa\u0161ums un b\u016btiska vi\u0146a finan\u0161u dro\u0161\u012bbas da\u013ca n\u0101kotn\u0113.<\/p>\n<p>No izv\u0113l\u0113t\u0101 ieguld\u012bjumu pl\u0101na, p\u0101rvald\u012bt\u0101ja kompetences un pie\u0146emto l\u0113mumu savlaic\u012bguma ir atkar\u012bgs, cik liel\u0101 m\u0113r\u0101 cilv\u0113ks sp\u0113s ietekm\u0113t savu n\u0101kotnes kapit\u0101lu un uz\u0146emties atbild\u012bbu par to. Apzin\u0101ta r\u012bc\u012bba un regul\u0101ra iesaiste pensiju pl\u0101na izv\u0113rt\u0113\u0161an\u0101 var b\u016bt iz\u0161\u0137iro\u0161a at\u0161\u0137ir\u012bba starp pietic\u012bgiem ien\u0101kumiem un stabilu labkl\u0101j\u012bbu pensijas gados.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"lazy lazy-hidden alignnone size-full wp-image-116258\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-lazy-type=\"image\" data-lazy-src=\"https:\/\/www.europesays.com\/lv\/wp-content\/uploads\/2025\/10\/Nauda.jpg\" alt=\"\" width=\"818\" height=\"546\" data-lazy- data-lazy-\/><\/p>\n<p>Ja cilv\u0113ks neinteres\u0113jas par to, kas notiek ar vi\u0146a pensiju uzkr\u0101jumiem, vi\u0146\u0161 var palaist gar\u0101m iesp\u0113ju b\u016btiski uzlabot savu n\u0101kotnes labkl\u0101j\u012bbu vai pat neapzin\u0101ti tai kait\u0113t, ilgsto\u0161i paliekot ieguld\u012bjumu pl\u0101n\u0101, kas vairs neatbilst ne vecumam, ne dz\u012bves situ\u0101cijai, uzsver \u201cCBL Asset Management\u201d eksperti.<\/p>\n<p>Otrais pensiju l\u012bmenis nav nejau\u0161s laimests loterij\u0101, bet gan p\u0101rdom\u0101ts finan\u0161u instruments, kas var nodro\u0161in\u0101t dro\u0161\u0101ku un stabil\u0101ku pamatu vecumdien\u0101m \u2014 tom\u0113r tikai tad, ja cilv\u0113ks apzin\u0101s \u0161o uzkr\u0101jumu noz\u012bmi un iesaist\u0101s to p\u0101rvald\u012bb\u0101 akt\u012bvi un atbild\u012bgi.<\/p>\n<p>Diem\u017e\u0113l tikai aptuveni 15% Latvijas iedz\u012bvot\u0101ju savus pensiju uzkr\u0101jumus uztver k\u0101 noz\u012bm\u012bgu un v\u0113rt\u012bgu akt\u012bvu. Liel\u0101k\u0101 da\u013ca sabiedr\u012bbas daudz liel\u0101ku noz\u012bmi joproj\u0101m pie\u0161\u0137ir cit\u0101m bag\u0101t\u012bbas form\u0101m \u2014 nekustamajam \u012bpa\u0161umam, izgl\u012bt\u012bbai, \u0123imenes mantojumam vai banku noguld\u012bjumiem. Eksperti uzsver, ka \u0161\u0101da attieksme liecina par nepiecie\u0161am\u012bbu stiprin\u0101t finan\u0161u prat\u012bbu un izpratni par to, k\u0101 pensiju kapit\u0101ls var k\u013c\u016bt par b\u016btisku dro\u0161\u012bbas spilvenu n\u0101kotn\u0113.<\/p>\n<p>Nevar pal\u012bdz\u0113t tiem, kuri pa\u0161i nev\u0113las pal\u012bdz\u0113t sev<br \/>Lai nodro\u0161in\u0101tu stabilu n\u0101kotni, sabiedr\u012bbai nepiecie\u0161ama dom\u0101\u0161anas mai\u0146a \u2014 no pesimistiskas attieksmes \u201cm\u016bsu paaudzei pensiju t\u0101pat neb\u016bs\u201d vai \u201cl\u012bdz pensijai t\u0101pat nenodz\u012bvo\u0161u\u201d uz apzin\u0101tu izpratni: \u201cmans uzkr\u0101tais kapit\u0101ls ir mana pa\u0161a atbild\u012bba un mans dro\u0161\u012bbas pamats.\u201d<\/p>\n<p>Katrs piektais Latvijas iedz\u012bvot\u0101js atz\u012bst, ka pensiju uzkr\u0101jumus neuzskata par b\u016btiskiem un pat nezina, kur un k\u0101 var p\u0101rbaud\u012bt to apm\u0113ru. V\u0113l satrauco\u0161\u0101k \u2014 pat tie, kas inform\u0101ciju apskata, nereti nesaprot, k\u0101 to izmantot sav\u0101 lab\u0101 vai k\u0101das darb\u012bbas veikt, lai uzlabotu savu finansi\u0101lo n\u0101kotni.<\/p>\n<p>Speci\u0101listi uzsver, ka \u0161ie dati skaidri atkl\u0101j \u2014 daudziem cilv\u0113kiem Latvij\u0101 joproj\u0101m tr\u016bkst ne tikai zin\u0101\u0161anu, bet ar\u012b uztic\u0113\u0161an\u0101s pensiju sist\u0113mai kopum\u0101. \u0160\u012b uztic\u012bbas plaisa ir nopietns izaicin\u0101jums sabiedr\u012bbas ilgtermi\u0146a finan\u0161u notur\u012bbai un labkl\u0101j\u012bbai, jo bez izpratnes un person\u012bgas iesaistes pat vislab\u0101k\u0101 sist\u0113ma nesp\u0113j nodro\u0161in\u0101t gaid\u012btos rezult\u0101tus.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvij\u0101 jau gandr\u012bz ceturtda\u013cgadsimtu darbojas pensiju sist\u0113mas otrais l\u012bmenis, tom\u0113r joproj\u0101m rodas jaut\u0101jums \u2014 vai \u0161is meh\u0101nisms patie\u0161\u0101m&hellip;\n","protected":false},"author":2,"featured_media":28459,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,28,29,32,33,22,30,31,35,39,38,36,37,34,40,20,26,27,24,25,21],"class_list":{"0":"post-28458","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-headlines","14":"tag-latest-news","15":"tag-latestnews","16":"tag-latvia","17":"tag-latvian","18":"tag-latviesu","19":"tag-latviesu-valoda","20":"tag-latviesuvaloda","21":"tag-latvija","22":"tag-lv","23":"tag-news","24":"tag-popularakas-zinas","25":"tag-popularakaszinas","26":"tag-top-stories","27":"tag-topstories","28":"tag-zinas"},"share_on_mastodon":{"url":"","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/28458","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=28458"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/28458\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/28459"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=28458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=28458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=28458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}