Baltijas iedz\u012bvot\u0101ji ir prasm\u012bgi taup\u012bt\u0101ji. Tom\u0113r p\u0101r\u0101k liela da\u013ca \u0161\u012bs naudas paliek neizmantota \u2014 dro\u0161i glab\u0101jas banku kontos, nevis tiek ieguld\u012bta m\u016bsu n\u0101kotnes labkl\u0101j\u012bb\u0101.Ja pag\u0101ju\u0161\u0101 desmitgad\u0113 m\u0101c\u012bj\u0101mies kr\u0101t, tad n\u0101kamajai j\u0101b\u016bt par to, k\u0101 iem\u0101c\u012bties ieguld\u012bt.<\/p>\n
Ar taup\u012b\u0161anu vien m\u016bsu re\u0123ions nesp\u0113s pan\u0101kt Rietumeiropas labkl\u0101j\u012bbas l\u012bmeni. Mums ir j\u0101liek kapit\u0101lam darboties \u2014 produkt\u012bvi, caurskat\u0101mi un ilgtermi\u0146\u0101.<\/p>\n
Taup\u012b\u0161anas paradokss<\/p>\n
2024. gada decembr\u012b Lietuvas m\u0101jsaimniec\u012bbas banku noguld\u012bjumos tur\u0113ja 25,7 miljardus eiro. L\u012bdz\u012bga situ\u0101cija ir ar\u012b Latvij\u0101 un Igaunij\u0101, kur uzkr\u0101jumi m\u0113r\u0101mi vair\u0101ku desmitu miljardu apm\u0113r\u0101. Taup\u012b\u0161ana ir vesel\u012bga apdom\u012bbas un uztic\u012bbas paz\u012bme finan\u0161u sist\u0113mai, ta\u010du, ja tik lieli l\u012bdzek\u013ci paliek neieguld\u012bti, tie rada maz v\u0113rt\u012bbas gan \u0123imen\u0113m, gan ekonomikai kopum\u0101. Procentu likm\u0113m atgrie\u017eoties norm\u0101l\u0101 l\u012bmen\u012b, pieaugs skaidras naudas uzglab\u0101\u0161anas izmaksas jeb neieguld\u012b\u0161anas cena. Jaut\u0101jums vairs nav par to, vai cilv\u0113ki sp\u0113j kr\u0101t, bet gan par to, vai m\u0113s sp\u0113jam rad\u012bt uztic\u012bbu un infrastrukt\u016bru, kas \u013cautu vi\u0146iem ieguld\u012bt.<\/p>\n
Kur m\u0113s ieguld\u0101m p\u0101r\u0101k maz, un k\u0101p\u0113c tas ir svar\u012bgi<\/p>\n
V\u0113sturiski Baltijas valstu iedz\u012bvot\u0101ji ir devu\u0161i priek\u0161roku taust\u0101miem akt\u012bviem \u2013 m\u0101jok\u013ciem, zemei vai automa\u0161\u012bn\u0101m \u2013 un iztur\u0113ju\u0161ies piesardz\u012bgi pret finan\u0161u instrumentiem. Tikai neliela da\u013ca m\u0101jsaimniec\u012bbu pensiju uzkr\u0101jumus vai ieguld\u012bjumus finan\u0161u tirgos uzskata par \u012bstu bag\u0101t\u012bbu.Bankas Citadele meitas uz\u0146\u0113muma CBL Asset Management un Norstat 2025. gada augusta aptauja atkl\u0101ja, ka tikai 5 % Latvijas iedz\u012bvot\u0101ju uzskata ieguld\u012bjumus akcij\u0101s, oblig\u0101cij\u0101s vai fondos par v\u0113rt\u012bgiem akt\u012bviem, un tikai 15 % augstu v\u0113rt\u0113 savus pensiju uzkr\u0101jumus \u2014 lai gan tie tie\u0161i nosaka dz\u012bves kvalit\u0101ti vecumdien\u0101s. Savuk\u0101rt pus\u0113 gad\u012bjumu par liel\u0101ko bag\u0101t\u012bbu tiek uzskat\u012bts nekustamais \u012bpa\u0161ums. \u0160\u0101da dom\u0101\u0161ana ierobe\u017eo kapit\u0101la veido\u0161anos. Ja p\u0101r\u0101k liela likvidit\u0101tes da\u013ca ir iesald\u0113ta neprodukt\u012bvos akt\u012bvos, m\u016bsu ekonomikas zaud\u0113 izaugsmes potenci\u0101lu, bet iedz\u012bvot\u0101ji \u2014 salikto procentu efekta priek\u0161roc\u012bbas, ko sniedz laiks. \u201cBag\u0101t\u012bbas\u201d j\u0113dziena p\u0101rdefin\u0113\u0161ana \u2014 no t\u0101, kas mums pieder, uz to, ko sp\u0113jam vairot \u2014 ir viena no noz\u012bm\u012bg\u0101kaj\u0101m \u0161\u012bs desmitgades kult\u016bras p\u0101rmai\u0146\u0101m.<\/p>\n
Ieguld\u012b\u0161ana s\u0101kas ar izpratni<\/p>\n
Vis\u0101s tr\u012bs Baltijas valst\u012bs darbojas tr\u012bs l\u012bme\u0146u pensiju sist\u0113ma: valsts pensija (1. l\u012bmenis), oblig\u0101t\u0101 uzkr\u0101jo\u0161\u0101 pensija (2. l\u012bmenis) un br\u012bvpr\u0101t\u012bgie pensiju uzkr\u0101jumi (3. l\u012bmenis).Dal\u012bba otraj\u0101 l\u012bmen\u012b ir gandr\u012bz univers\u0101la, ta\u010du akt\u012bva p\u0101rvald\u012bba joproj\u0101m ir zema. Daudzi cilv\u0113ki nezina, kur tiek ieguld\u012bta vi\u0146u nauda, k\u0101du ienes\u012bgumu t\u0101 nes vai k\u0101 main\u012bt savu pensiju pl\u0101nu. Visbie\u017e\u0101k neskaidr\u012bba par to, k\u0101 p\u0101rbaud\u012bt vai p\u0101rvald\u012bt savus uzkr\u0101jumus, ir rakstur\u012bga sieviet\u0113m, jaunie\u0161iem un cilv\u0113kiem ar zem\u0101ku izgl\u012bt\u012bbas l\u012bmeni.Finan\u0161u prat\u012bba nav abstrakts m\u0113r\u0137is, bet gan iek\u013caujo\u0161as ekonomisk\u0101s izaugsmes pamats. 2023. gada \u201cEirobarometra\u201d aptauja liecina, ka aptuveni piekt\u0101 da\u013ca Lietuvas iedz\u012bvot\u0101ju savu finan\u0161u zin\u0101\u0161anu l\u012bmeni v\u0113rt\u0113 k\u0101 zemu, savuk\u0101rt Latvij\u0101 Finan\u0161u prat\u012bbas indeksa rezult\u0101ti 18\u201319 gadu vecu jaunie\u0161u vid\u016b turpina pasliktin\u0101ties. Igaunija uzr\u0101da lab\u0101kus rezult\u0101tus, saglab\u0101jot stabili augstus OECD PISA finan\u0161u prat\u012bbas r\u0101d\u012bt\u0101jus.<\/p>\n
Tom\u0113r pat tur daudzi iedz\u012bvot\u0101ji neuzticas finan\u0161u konsultantiem un izv\u0113las savus finan\u0161u jaut\u0101jumus risin\u0101t patst\u0101v\u012bgi.Katra Baltijas valsts \u012bsteno vai aktualiz\u0113 savu nacion\u0101lo finan\u0161u izgl\u012bt\u012bbas strat\u0113\u0123iju. Latvij\u0101 \u0161\u012b strat\u0113\u0123ija ir sp\u0113k\u0101 l\u012bdz 2027. gadam, Lietuv\u0101 uzs\u0101ktas jaunas iniciat\u012bvas finan\u0161u prat\u012bbas veicin\u0101\u0161anai, bet Igaunij\u0101 \u0161\u012b t\u0113ma ir integr\u0113ta valsts izgl\u012bt\u012bbas programm\u0101. \u0160o programmu efektivit\u0101tei b\u016btiska ir nep\u0101rtraukt\u012bba un m\u0113r\u0137tiec\u012bba, \u012bpa\u0161i attiec\u012bb\u0101 uz jaunie\u0161iem un sieviet\u0113m. Pat nelieli, bet regul\u0101ri ieguld\u012bjumi, kas veikti agr\u012bn\u0101 vecum\u0101, laika gait\u0101 var veidot iev\u0113rojamu kapit\u0101lu \u2014 tom\u0113r cilv\u0113kiem j\u0101b\u016bt izpratnei par to, k\u0101 un k\u0101p\u0113c \u0161is process notiek.<\/p>\n
Praktiska r\u012bc\u012bbas programma Baltijas re\u0123ionam<\/p>\n
Lai veicin\u0101tu ieguld\u012b\u0161anas kult\u016bras att\u012bst\u012bbu, nepiecie\u0161ama r\u012bc\u012bba tr\u012bs galvenaj\u0101s jom\u0101s:<\/p>\n
1. Nodro\u0161in\u0101t, ka ilgtermi\u0146a uzkr\u0101\u0161ana k\u013c\u016bst par pa\u0161saprotamu standartu.Nepiecie\u0161ams saglab\u0101t stabilu motiv\u0101cijas sist\u0113mu tre\u0161ajam pensiju l\u012bmenim, k\u0101 ar\u012b izv\u0113rt\u0113t autom\u0101tiskas dal\u012bbas ievie\u0161anu un pak\u0101penisku iemaksu pieaugumu, kas veicin\u0101tu l\u012bdzdal\u012bbu bez administrat\u012bvas piespie\u0161anas. Nesenie komisijas maksu samazin\u0101jumi Baltijas re\u0123ion\u0101 ilgtermi\u0146\u0101 var\u0113tu nodro\u0161in\u0101t augst\u0101ku neto atdevi ieguld\u012bt\u0101jiem.<\/p>\n
2. Mazin\u0101t barjeras un veicin\u0101t kapit\u0101la tirgu att\u012bst\u012bbu.Cilv\u0113ki ir gatavi ieguld\u012bt, ja piek\u013cuve ir vienk\u0101r\u0161a un uzticama. Vienots Baltijas kapit\u0101la tirgus, kas nodro\u0161ina pieejamu iesp\u0113ju priv\u0101tajiem investoriem piedal\u012bties s\u0101kotn\u0113jos publiskajos pied\u0101v\u0101jumos (IPO) un ieguld\u012bjumu fondos, var p\u0101rv\u0113rst neregul\u0101ru interesi par notur\u012bgu ieguld\u012b\u0161anas ieradumu. 2024. gada \u201cEleving Group\u201d akciju s\u0101kotn\u0113jais publiskais pied\u0101v\u0101jums, kas piesaist\u012bja t\u016bksto\u0161iem Baltijas priv\u0101to investoru, ar Igauniju k\u0101 l\u012bderi p\u0113c dal\u012bbnieku skaita, pier\u0101d\u012bja \u2013 ja pied\u0101v\u0101jumi ir caurskat\u0101mi un viet\u0113j\u0101 l\u012bmen\u012b saprotami, m\u0101jsaimniec\u012bbas akt\u012bvi iesaist\u0101s kapit\u0101la tirg\u016b.<\/p>\n
3. Nodro\u0161in\u0101t, ka finan\u0161u izgl\u012bt\u012bba k\u013c\u016bst par neat\u0146emamu ikdienas dz\u012bves sast\u0101vda\u013cu.Finan\u0161u prat\u012bbas att\u012bst\u012bbai nepiecie\u0161ama cie\u0161a sadarb\u012bba starp bank\u0101m, regulatoriem un izgl\u012bt\u012bbas iest\u0101d\u0113m, nodro\u0161inot, lai t\u0101 k\u013c\u016btu digit\u0101la, nep\u0101rtraukta un izm\u0113r\u0101ma. Patiesu progresu raksturo ne vien augst\u0101ki finan\u0161u zin\u0101\u0161anu r\u0101d\u012bt\u0101ji, bet ar\u012b pieaugo\u0161s to cilv\u0113ku skaits, kuri regul\u0101ri seko l\u012bdzi un pilnveido savus pensiju pl\u0101nus, sistem\u0101tiski iegulda un apzin\u0101s ar ieguld\u012bjumiem saist\u012btos riskus.<\/p>\n
Pamats turpm\u0101kai att\u012bst\u012bbai<\/p>\n
Progresu \u0161aj\u0101 jom\u0101 jau var skaidri nov\u0113rot. Latvij\u0101 br\u012bvpr\u0101t\u012bg\u0101s, tre\u0161\u0101 pensiju l\u012bme\u0146a uzkr\u0101\u0161anas kult\u016bra ir visatt\u012bst\u012bt\u0101k\u0101 Baltijas valst\u012bs \u2014 2024. gada vid\u016b sist\u0113m\u0101 bija aptuveni 0,4\u20130,45 miljoni dal\u012bbnieku, un kop\u0113jais akt\u012bvu apjoms sasniedza gandr\u012bz 0,9 miljardus eiro. Valsts politika \u0161o procesu veicina, pied\u0101v\u0101jot 25,5 % iedz\u012bvot\u0101ju ien\u0101kuma nodok\u013ca atmaksu par iemaks\u0101m l\u012bdz 10 % no gada algas, t\u0101d\u0113j\u0101di radot sp\u0113c\u012bgu motiv\u0101ciju ilgtermi\u0146a uzkr\u0101jumiem.<\/p>\n
Dz\u012bv\u012bbas apdro\u0161in\u0101\u0161anas produkti ar uzkr\u0101juma komponenti pak\u0101peniski nostiprina savu lomu tirg\u016b, \u012bpa\u0161i Lietuv\u0101 un Igaunij\u0101, jo tie apvieno gan aizsardz\u012bbas funkciju, gan iesp\u0113ju uzkr\u0101t kapit\u0101lu. \u0160ie ir praktiski un sal\u012bdzino\u0161i vienk\u0101r\u0161i pieejami instrumenti m\u0101jsaimniec\u012bb\u0101m, kas v\u0113las s\u0101kt veidot ieguld\u012bjumus ar apdomu un ilgtermi\u0146a skat\u012bjumu.Priv\u0101to investoru aktivit\u0101te Baltijas re\u0123ion\u0101 turpina pieaugt. Kopfinans\u0113juma platformas, za\u013co oblig\u0101ciju emisijas un viet\u0113jie akciju pied\u0101v\u0101jumi ir piesaist\u012bju\u0161i desmitiem t\u016bksto\u0161u jauno investoru. Katra \u0161\u0101da veiksm\u012bga pieredze stiprina uztic\u012bbu un apliecina, ka ieguld\u012b\u0161ana ir pieejama ikvienam, ne tikai tur\u012bgajiem vai profesion\u0101liem investoriem.<\/p>\n
Uz\u0146\u0113muma vad\u012bt\u0101ja skat\u012bjums: finanses k\u0101 partner\u012bba<\/p>\n
Finan\u0161u instit\u016bcij\u0101m \u0161\u012b situ\u0101cija ir gan atbild\u012bba, gan iesp\u0113ja. M\u016bsu uzdevums ir veidot produktus, kas jau p\u0113c noklus\u0113juma darbojas sabiedr\u012bbas interes\u0113s \u2014 tie ir caurskat\u0101mi, god\u012bgi cenu zi\u0146\u0101 un viegli saprotami. Vald\u012bbas nosaka sist\u0113mas noteikumus un stimul\u0113jo\u0161os meh\u0101nismus, bankas un akt\u012bvu p\u0101rvald\u012bt\u0101ji izveido pieejamos kan\u0101lus, savuk\u0101rt iedz\u012bvot\u0101ji pie\u0146em l\u0113mumu par l\u012bdzdal\u012bbu. Tikai kop\u0101 m\u0113s varam rad\u012bt apst\u0101k\u013cus ilgtsp\u0113j\u012bgai labkl\u0101j\u012bbai.Citadeles pieredze apliecina, ka finan\u0161u pakalpojumu vienk\u0101r\u0161\u012bba, digitaliz\u0101cija un klientam piel\u0101goti risin\u0101jumi b\u016btiski veicina iedz\u012bvot\u0101ju iesaisti. Tom\u0113r b\u016btisk\u0101k\u0101s p\u0101rmai\u0146as notiek cilv\u0113ku dom\u0101\u0161an\u0101 \u2014 kad bailes no zaud\u0113juma nomaina uztic\u0113\u0161an\u0101s ilgtermi\u0146a ieguvumam.<\/p>\n
No uzkr\u0101jumiem uz ieguld\u012bjumiem \u2014 ce\u013c\u0101 uz ilgtsp\u0113j\u012bgu labkl\u0101j\u012bbu<\/p>\n
Labkl\u0101j\u012bbu neveido nejau\u0161i pe\u013c\u0146as gad\u012bjumi, bet gan konsekventas un ilgtermi\u0146\u0101 notur\u012bgas izaugsmes. Ja katrs jaunais Baltijas valstu darba \u0146\u0113m\u0113js ik m\u0113nesi atv\u0113l\u0113tu pat nelielu summu pensiju vai ieguld\u012bjumu pl\u0101nam, kop\u0113jais efekts 30 gadu laik\u0101 b\u016btu b\u016btisks \u2014 gan individu\u0101l\u0101s dro\u0161\u012bbas stiprin\u0101\u0161anai, gan re\u0123iona kapit\u0101la tirgus att\u012bst\u012bbai.Baltijas re\u0123ionam jau ir izveidots stabils pamats \u2014 sp\u0113c\u012bga banku sist\u0113ma, caurskat\u0101ma uzraudz\u012bba un pieaugo\u0161a sabiedr\u012bbas iesaiste finan\u0161u procesos. N\u0101kamais solis ir uztic\u0113\u0161an\u0101s \u2014 \u013caut uzkr\u0101jumiem darboties m\u016bsu pa\u0161u un kop\u0113j\u0101s Baltijas n\u0101kotnes lab\u0101.<\/p>\n","protected":false},"excerpt":{"rendered":"Baltijas iedz\u012bvot\u0101ji ir prasm\u012bgi taup\u012bt\u0101ji. Tom\u0113r p\u0101r\u0101k liela da\u013ca \u0161\u012bs naudas paliek neizmantota \u2014 dro\u0161i glab\u0101jas banku kontos,…\n","protected":false},"author":2,"featured_media":44792,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[869,77,870,76,867,35,39,38,36,37,34,871,868,40,21],"class_list":{"0":"post-45653","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-biznesa-zinas","9":"tag-bizness","10":"tag-bizness-latvija","11":"tag-business","12":"tag-dienas-zinas","13":"tag-latvia","14":"tag-latvian","15":"tag-latviesu","16":"tag-latviesu-valoda","17":"tag-latviesuvaloda","18":"tag-latvija","19":"tag-latvijas-biznesa-zinas","20":"tag-latvijas-zinas","21":"tag-lv","22":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115528308049026895","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/45653","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=45653"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/45653\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/44792"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=45653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=45653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=45653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}