{"id":73522,"date":"2025-12-13T18:12:21","date_gmt":"2025-12-13T18:12:21","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/73522\/"},"modified":"2025-12-13T18:12:21","modified_gmt":"2025-12-13T18:12:21","slug":"liela-dala-latvijas-iedzivotaju-var-palikt-bez-pienacigas-pensjas","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/73522\/","title":{"rendered":"liela da\u013ca Latvijas iedz\u012bvot\u0101ju var palikt bez pien\u0101c\u012bgas pensjas"},"content":{"rendered":"

\"\"Foto \u2013 ekr\u0101nuz\u0146\u0113mums<\/p>\n

Banka \u201cCitadele\u201d veicot apr\u0113\u0137inus secin\u0101jusi, ka liela da\u013ca Latvijas iedz\u012bvot\u0101ju var palikt bez savas pensijas, un \u0161ie dati ir satrauco\u0161i.<\/p>\n

Neskatoties uz da\u017e\u0101diem m\u012btiem par pensiju, vid\u0113jais dz\u012bves ilgums palielin\u0101s \u2013 m\u0113s k\u013c\u016bstam vesel\u012bg\u0101ki, akt\u012bv\u0101ki un dz\u012bvojam ilg\u0101k, t\u0101p\u0113c par labkl\u0101j\u012bbu vecumdien\u0101s j\u0101dom\u0101 savlaic\u012bgi, uzsver bankas \u201cCitadele\u201d grupas uz\u0146\u0113mumu \u201cCBL Life\u201d un \u201cCBL atkl\u0101tais pensiju fonds\u201d valdes priek\u0161s\u0113d\u0113t\u0101ja Agnese Zvaigzn\u012bte, piebilstot, ka nav j\u0101izvirza nere\u0101li m\u0113r\u0137i.<\/p>\n

Eksperte nor\u0101da, ka discipl\u012bna ir l\u0113mums dar\u012bt to, ko \u0161odien negribas, lai n\u0101kotn\u0113 sasniegtu to, ko v\u0113l\u0113tos. S\u0101kotn\u0113ji ieteicams noteikt b\u0101zes minimumu \u2013 konkr\u0113tu summu, ko iesp\u0113jams regul\u0101ri atlikt katru m\u0113nesi, un nepiecie\u0161ama ap\u0146\u0113m\u012bba to konsekventi iev\u0113rot.<\/p>\n

\"K\u0101jas<\/a>\u0160obr\u012bd citi lasaK\u0101jas nenosalst pat stipr\u0101 sal\u0101: l\u016bk, kas j\u0101liek zem zol\u012btes<\/a><\/p>\n

T\u0101 k\u0101 pa\u0161nodarbin\u0101to ien\u0101kumi var sv\u0101rst\u012bties, iesp\u0113jams, ir v\u0113rts noteikt procentu\u0101lo apm\u0113ru no ien\u0101kumiem, ko novirz\u012bt pensijas uzkr\u0101jumam \u2013 tas nodro\u0161in\u0101s elast\u012bbu un pal\u012bdz\u0113s saglab\u0101t discipl\u012bnu ilgtermi\u0146\u0101. Lai sak\u0101rtotu finanses, ieteicams apsv\u0113rt vair\u0101ku atsevi\u0161\u0137u kontu izmanto\u0161anu, piem\u0113ram, vienu ikdienas t\u0113ri\u0146iem, otru uzkr\u0101jumiem un v\u0113l vienu pamatizdevumu seg\u0161anai.<\/p>\n

\"\"<\/p>\n

Katram, protams, b\u016bs savs optim\u0101lais risin\u0101jums, ta\u010du skaidri defin\u0113ta finan\u0161u strukt\u016bra un discipl\u012bna \u0161\u0101d\u0101 situ\u0101cij\u0101 k\u013c\u016bst \u012bpa\u0161i noz\u012bm\u012bga, bie\u017ei pat vair\u0101k nek\u0101 tiem, kuru ien\u0101kumi ir stabili un paredzami. Labs risin\u0101jums var b\u016bt ar\u012b da\u017e\u0101das noapa\u013co\u0161anas funkcijas jeb t\u0101 d\u0113v\u0113t\u0101s \u201cgudr\u0101s kr\u0101jkases\u201d, kas autom\u0101tiski noapa\u013co kartes dar\u012bjumu summas l\u012bdz tuv\u0101kajam veselajam skaitlim un starp\u012bbu novirza uzkr\u0101jumam. Tas \u013cauj kr\u0101t l\u012bdzek\u013cus neman\u0101mi un bez \u012bpa\u0161as piep\u016bles.<\/p>\n

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\nVIDEO:
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Pensijas Tre\u0161ais l\u012bmenis sniedz iesp\u0113ju ne tikai veidot uzkr\u0101jumu n\u0101kotnei, bet ar\u012b izmantot nodok\u013cu atvieglojumus. S\u0101kt iesp\u0113jams ar\u012b ar pavisam nelielu summu, jo tie\u0161i salikto procentu iedarb\u012bba ilgtermi\u0146\u0101 nodro\u0161ina visiev\u0113rojam\u0101ko kapit\u0101la pieaugumu. Jo \u0101tr\u0101k un regul\u0101r\u0101k s\u0101ksi ieguld\u012bt \u2013 pat ja summas ir mazas \u2013 jo ilg\u0101k nauda var\u0113s augt un dot pe\u013c\u0146u.<\/p>\n

\"P\u0113c<\/a>\u0160obr\u012bd citi lasaP\u0113c 14. decembra var s\u0101kties lab\u0101ks posms: 6 zodiaka z\u012bmes var sagaid\u012bt lielas p\u0101rmai\u0146as<\/a>
\nLasi v\u0113l:\u00a0Pasaules s\u012bk\u0101kie d\u0101rgakme\u0146i: iepaz\u012bsti 5 su\u0146u \u0161\u0137irnes, kas sver maz\u0101k par ka\u0137i<\/a><\/p>\n

Salikto procentu b\u016bt\u012bba ir vienk\u0101r\u0161a: nauda pelna naudu. Ja \u0161odien ieguldi 100 eiro un g\u016bsti 5 % pe\u013c\u0146u, n\u0101kamaj\u0101 gad\u0101 jau pelna ne tikai s\u0101kotn\u0113jie 100 eiro, bet ar\u012b iepriek\u0161 nopeln\u012btie 5 eiro. Ar katru gadu \u0161o procentu efekts pieaug, t\u0101p\u0113c ilgtermi\u0146\u0161 un regularit\u0101te ir viena no b\u016btisk\u0101kaj\u0101m pan\u0101kumu atsl\u0113g\u0101m, skaidro eksperte.<\/p>\n

S\u0101kotn\u0113ji uzkr\u0101jumu veido\u0161anai var izmantot ar\u012b depoz\u012btus, jo tie \u013cauj s\u0101kt ar sal\u012bdzino\u0161i neliel\u0101m summ\u0101m. Savuk\u0101rt ilgtermi\u0146\u0101, \u012bpa\u0161i vair\u0101ku gadu perspekt\u012bv\u0101, piem\u0113roti var b\u016bt ar\u012b invest\u012bciju risin\u0101jumi, kas potenci\u0101li nodro\u0161ina augst\u0101ku ienes\u012bgumu.<\/p>\n

Lieta t\u0101da, ka Latvij\u0101 pirmaj\u0101 ceturksn\u012b pa\u0161nodarbin\u0101to personu \u012bpatsvars vecum\u0101 no 15 l\u012bdz 74 gadu vecumam p\u0101rsniedza 8 procentus. T\u0101 ir sal\u012bdzino\u0161i liela sabiedr\u012bbas grupa, kas pati organiz\u0113 savu darbu un darba laiku, k\u0101 ar\u012b ir tie\u0161i atbild\u012bga par saviem ien\u0101kumiem un izdevumiem.<\/p>\n

\"\"<\/p>\n

\"\u0160\u012b<\/a>\u0160obr\u012bd citi lasa\u0160\u012b uzkoda ir sv\u0113tku galda neat\u0146emama sast\u0101vda\u013ca: noskat\u012bju to restor\u0101n\u0101, tagad gatavoju tikai t\u0101<\/a><\/p>\n

\u0160aj\u0101 grup\u0101 ietilpst pla\u0161s profesiju spektrs, tostarp rado\u0161o profesiju p\u0101rst\u0101vji, piem\u0113ram, skaistumkop\u0161anas speci\u0101listi, amatnieki un sporta nozares p\u0101rst\u0101vji. \u201cCBL Life\u201d eksperti nor\u0101da, ka tad, ja ien\u0101kumi ir sv\u0101rst\u012bgi un neregul\u0101ri, finan\u0161u discipl\u012bnas uztur\u0113\u0161ana k\u013c\u016bst daudz sare\u017e\u0123\u012bt\u0101ka nek\u0101 algot\u0101 darb\u0101 ar skaidri zin\u0101mu algas datumu un apm\u0113ru.<\/p>\n

Tie\u0161i t\u0101p\u0113c pa\u0161nodarbin\u0101tajiem ir nepiecie\u0161ama liel\u0101ka ap\u0146\u0113m\u012bba veikt savus uzkr\u0101jumus, tostarp atlikt naudu pensijai. Tas ir b\u016btiski, jo pa\u0161nodarbin\u0101tie pa\u0161i ir atbild\u012bgi par sav\u0101m soci\u0101laj\u0101m iemaks\u0101m un n\u0101kotnes finansi\u0101lo nodro\u0161in\u0101jumu. Ja vi\u0146i par to nedom\u0101s un to nedar\u012bs laic\u012bgi, var palikt bez pensijas visp\u0101r, un \u0161ie dati ir satrauco\u0161i.<\/p>\n","protected":false},"excerpt":{"rendered":"Foto \u2013 ekr\u0101nuz\u0146\u0113mums Banka \u201cCitadele\u201d veicot apr\u0113\u0137inus secin\u0101jusi, ka liela da\u013ca Latvijas iedz\u012bvot\u0101ju var palikt bez savas pensijas,…\n","protected":false},"author":2,"featured_media":73523,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,3949,32,33,22,30,31,35,39,38,36,37,34,40,20,756,1840,26,27,24,25,21],"class_list":{"0":"post-73522","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-citadele","12":"tag-featured-news","13":"tag-featurednews","14":"tag-headlines","15":"tag-latest-news","16":"tag-latestnews","17":"tag-latvia","18":"tag-latvian","19":"tag-latviesu","20":"tag-latviesu-valoda","21":"tag-latviesuvaloda","22":"tag-latvija","23":"tag-lv","24":"tag-news","25":"tag-nodokli","26":"tag-pensija","27":"tag-popularakas-zinas","28":"tag-popularakaszinas","29":"tag-top-stories","30":"tag-topstories","31":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115713615267710535","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/73522","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=73522"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/73522\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/73523"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=73522"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=73522"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=73522"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}