Ekonomikas ministrijas pl\u0101ns par pensiju 2. l\u012bme\u0146a l\u012bdzek\u013cu novirz\u012b\u0161anu: cer\u012bbas un ba\u017eas<\/p>\n
Ekonomikas ministrija ir n\u0101kusi klaj\u0101 ar ambiciozu pl\u0101nu, kas paredz da\u013cu no iedz\u012bvot\u0101ju pensiju 2. l\u012bme\u0146a uzkr\u0101jumiem novirz\u012bt specifiski veidotam fondam, kura m\u0113r\u0137is ir ieguld\u012bt l\u012bdzek\u013cus Latvijas uz\u0146\u0113mumos. \u0160\u012b iniciat\u012bva, lai ar\u012b var\u0113tu sniegt b\u016btisku gr\u016bdienu tautsaimniec\u012bbas att\u012bst\u012bbai, raisa ar\u012b pamatotas ba\u017eas un jaut\u0101jumus n\u0101kamajiem pension\u0101riem un pla\u0161\u0101kai sabiedr\u012bbai.<\/p>\n
Fonda izveides ieceris un m\u0113r\u0137i<\/p>\n
Pl\u0101na b\u016bt\u012bba ir vienk\u0101r\u0161a: lai veicin\u0101tu Latvijas ekonomikas izaugsmi un piesaist\u012btu invest\u012bcijas viet\u0113jos uz\u0146\u0113mumos, paredz\u0113ts izveidot \u012bpa\u0161u invest\u012bciju fondu. \u0160aj\u0101 fond\u0101 tiks ieguld\u012bti 10% no valsts att\u012bst\u012bbas finan\u0161u instit\u016bcijas \u201cAltum\u201d l\u012bdzek\u013ciem, bet atliku\u0161o da\u013cu veidos da\u013ca no iedz\u012bvot\u0101ju pensiju 2. l\u012bme\u0146a uzkr\u0101jumiem. K\u0101 nor\u0101d\u012bjis ekonomikas ministrs Viktors Valainis, vieno\u0161an\u0101s ar komercbank\u0101m jau pan\u0101kta, un \u201cAltum\u201d izveidos fondu, kas t\u0101l\u0101k ieguld\u012bs l\u012bdzek\u013cus Latvijas uz\u0146\u0113mumos. Ministrija cer, ka \u0161\u0101ds \u201cekonomikas dopings\u201d stimul\u0113s tirgu, n\u0101ks par labu gan pension\u0101riem, kuru uzkr\u0101jumi potenci\u0101li pieaugs, gan uz\u0146\u0113mumiem, kuri sa\u0146ems nepiecie\u0161amo kapit\u0101lu att\u012bst\u012bbai. Paredzams, ka nepiecie\u0161amie dokumenti fonda izveidei tiks sagatavoti vald\u012bbai izskat\u012b\u0161anai l\u012bdz \u0161\u012b gada beig\u0101m.<\/p>\n
Pensiju 2. l\u012bmenis: kas tas ir un k\u0101 darbojas?<\/p>\n
Pensiju 2. l\u012bmenis, kas paz\u012bstams ar\u012b k\u0101 valsts fond\u0113t\u0101 pensiju sh\u0113ma, tika ieviests 2001. gad\u0101. T\u0101 m\u0113r\u0137is ir palielin\u0101t katras personas pensijas kapit\u0101lu, da\u013cu no soci\u0101laj\u0101m iemaks\u0101m uzkr\u0101jot un ieguldot finan\u0161u un kapit\u0101la tirg\u016b, piem\u0113ram, v\u0113rtspap\u012bros un banku noguld\u012bjumos. \u0160\u012bs iemaksas autom\u0101tiski tiek veiktas no personas bruto algas k\u0101 soci\u0101lo iemaksu da\u013ca. L\u012bdzek\u013cu p\u0101rvald\u012bt\u0101ji, sadarbojoties ar tur\u0113t\u0101jbank\u0101m, iegulda pensiju kapit\u0101lu finan\u0161u tirg\u016b, t\u0101d\u0113j\u0101di veicinot kapit\u0101la pieaugumu. Uzkr\u0101t\u0101 summa ir atkar\u012bga no algas apm\u0113ra, iemaksu likmes, ieguld\u012bjumu pe\u013c\u0146as un dal\u012bbas ilguma pensiju 2. l\u012bmen\u012b. Paredzams, ka 2021. gad\u0101 kop\u0113jais uzkr\u0101jumu apjoms pensiju 2. l\u012bmen\u012b sasniedza 6 miljardus eiro, bet 2024. gada mart\u0101 \u2013 jau vair\u0101k nek\u0101 7 miljardus eiro, ar 1,3 miljoniem dal\u012bbnieku.<\/p>\n
Skeptisk\u0101 puse un ieguvumi<\/p>\n
Lai gan pl\u0101ns izklaus\u0101s daudzsolo\u0161i, sabiedr\u012bb\u0101 past\u0101v ar\u012b ba\u017eas. Galvenais jaut\u0101jums ir par to, kur tie\u0161i tiks ieguld\u012bti pensiju l\u012bdzek\u013ci un vai past\u0101v garantija, ka valsts nesa\u0146ems \u0161os l\u012bdzek\u013cus \u201cikdienas probl\u0113mu\u201d risin\u0101\u0161anai. Da\u017ei eksperti nor\u0101da, ka nozaru ministriju iniciat\u012bvas, kas paredz valsts bud\u017eeta l\u012bdzek\u013cu novirz\u012b\u0161anu nevalstiskaj\u0101m organiz\u0101cij\u0101m vai uz\u0146\u0113mumiem, bie\u017ei vien nav pietiekami p\u0101rdom\u0101tas un var rad\u012bt neatgriezeniskus zaud\u0113jumus.<\/p>\n
Tom\u0113r, no otras puses, tiek uzsv\u0113rts, ka ieguld\u012bjumi viet\u0113jos uz\u0146\u0113mumos var\u0113tu stimul\u0113t tautsaimniec\u012bbas izaugsmi, radot jaunas darba vietas un palielinot eksportu. Pensiju 2. l\u012bme\u0146a reformu gait\u0101 ir veiktas ar\u012b izmai\u0146as, kas paredz samazin\u0101t komisijas maksas un palielin\u0101t uzkr\u0101jumu ienes\u012bgumu. Paredzams, ka tas \u013caus iedz\u012bvot\u0101ju uzkr\u0101jumiem 10 gadu laik\u0101 palielin\u0101ties par aptuveni 60 miljoniem eiro.<\/p>\n
N\u0101kotnes perspekt\u012bvas un riski<\/p>\n
Lai gan pl\u0101ns paredz ieguld\u012bjumus Latvijas uz\u0146\u0113mumos, ir svar\u012bgi piev\u0113rst uzman\u012bbu ar\u012b cit\u0101m pensiju 2. l\u012bme\u0146a sist\u0113mas izmai\u0146\u0101m. Piem\u0113ram, kop\u0161 2020. gada ir ieviesta iesp\u0113ja nov\u0113l\u0113t savu uzkr\u0101jumu mantiniekiem. Tom\u0113r arvien liela da\u013ca dal\u012bbnieku nav izdar\u012bju\u0161i \u0161o izv\u0113li. T\u0101pat svar\u012bgi ir saprast, ka pensiju fondi darbojas ilgtermi\u0146\u0101, un invest\u012bciju rezult\u0101tus var ietekm\u0113t tirgus sv\u0101rst\u012bbas. Cilv\u0113kiem, kuriem l\u012bdz pensijas vecumam atlicis maz\u0101k nek\u0101 10 gadi, ieteicams izv\u0113l\u0113ties konservat\u012bv\u0101kus ieguld\u012bjumu pl\u0101nus, lai izvair\u012btos no iesp\u0113jamiem zaud\u0113jumiem.<\/p>\n
Ekonomikas ministrijas pl\u0101ns ir neap\u0161aub\u0101mi noz\u012bm\u012bgs solis, kura m\u0113r\u0137is ir stiprin\u0101t Latvijas ekonomiku. Ta\u010du, lai iniciat\u012bva b\u016btu veiksm\u012bga, nepiecie\u0161ama r\u016bp\u012bga izpilde un atkl\u0101t\u012bba par ieguld\u012bjumu virzieniem, k\u0101 ar\u012b j\u0101\u0146em v\u0113r\u0101 eso\u0161\u0101s pensiju sist\u0113mas nianses un sabiedr\u012bbas ba\u017eas.<\/p>\n","protected":false},"excerpt":{"rendered":"Ekonomikas ministrijas pl\u0101ns par pensiju 2. l\u012bme\u0146a l\u012bdzek\u013cu novirz\u012b\u0161anu: cer\u012bbas un ba\u017eas Ekonomikas ministrija ir n\u0101kusi klaj\u0101 ar…\n","protected":false},"author":2,"featured_media":47667,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,7004,28,29,32,33,22,3226,30,31,35,39,38,36,37,34,1045,40,20,7991,13190,26,27,24,25,21],"class_list":{"0":"post-47666","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-altum","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-featured-news","13":"tag-featurednews","14":"tag-headlines","15":"tag-ieguldijumi","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-ekonomika","25":"tag-lv","26":"tag-news","27":"tag-pensiju-2-limenis","28":"tag-pensiju-fonds","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\/115540222487926449","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/47666","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=47666"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/47666\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/47667"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=47666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=47666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=47666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}