{"id":99340,"date":"2026-01-09T13:12:13","date_gmt":"2026-01-09T13:12:13","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/99340\/"},"modified":"2026-01-09T13:12:13","modified_gmt":"2026-01-09T13:12:13","slug":"kapec-ar-valsts-pensiju-var-nepietikt-un-ka-laicigi-rikoties-iedzivotajiem","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/99340\/","title":{"rendered":"k\u0101p\u0113c ar valsts pensiju var nepietikt un k\u0101 laic\u012bgi r\u012bkoties iedz\u012bvot\u0101jiem"},"content":{"rendered":"

\"\"<\/p>\n

Banka \u201cCitadele\u201d, veicot padzi\u013cin\u0101tu datu anal\u012bzi un n\u0101kotnes apr\u0113\u0137inus, n\u0101kusi klaj\u0101 ar secin\u0101jumiem, kas liek nopietni p\u0101rv\u0113rt\u0113t m\u016bsu \u0161\u012b br\u012b\u017ea finan\u0161u ieradumus. <\/p>\n

P\u0113t\u012bjuma dati liecina, ka iev\u0113rojama da\u013ca Latvijas sabiedr\u012bbas vecumdien\u0101s var saskarties ar krasu dz\u012bves l\u012bme\u0146a kritumu vai pat palikt bez pietiekama finansi\u0101l\u0101 nodro\u0161in\u0101juma, ja vien netiks veikti savlaic\u012bgi uzkr\u0101jumi.<\/p>\n

Pret\u0113ji daudziem m\u012btiem, kas valda sabiedr\u012bb\u0101, m\u016bsdienu medic\u012bna un dz\u012bvesveids veicina vid\u0113j\u0101 dz\u012bves ilguma pieaugumu. M\u0113s k\u013c\u016bstam vesel\u012bg\u0101ki, fiziski akt\u012bv\u0101ki un dz\u012bvojam ilg\u0101k, kas noz\u012bm\u0113, ka ar\u012b \u201catp\u016btas posms\u201d vecumdien\u0101s k\u013c\u016bst gar\u0101ks.<\/p>\n

Agnese Zvaigzn\u012bte, bankas \u201cCitadele\u201d grupas uz\u0146\u0113mumu \u201cCBL Life\u201d un \u201cCBL atkl\u0101tais pensiju fonds\u201d valdes priek\u0161s\u0113d\u0113t\u0101ja, uzsver, ka tie\u0161i \u0161is pieaugums prasa t\u0101lredz\u012bgu pl\u0101no\u0161anu. Vi\u0146a nor\u0101da, ka nav nepiecie\u0161ams izvirz\u012bt neaizsniedzamus finan\u0161u m\u0113r\u0137us, bet gan j\u0101s\u0101k r\u012bkoties ar re\u0101liem un izpild\u0101miem so\u013ciem jau \u0161odien.<\/p>\n

\"Skand\u0101ls<\/a>\u0160obr\u012bd aktu\u0101liSkand\u0101ls Dailes te\u0101tr\u012b: Lelde Dreimane spiesta pamest \u0161tatu un sola pamat\u012bgu ties\u0101\u0161anos<\/a><\/p>\n

Finan\u0161u discipl\u012bna k\u0101 pan\u0101kumu pamats<\/p>\n

Eksperte atg\u0101dina vienk\u0101r\u0161u, bet skarbu paties\u012bbu: discipl\u012bna b\u016bt\u012bb\u0101 ir l\u0113mums \u0161odien dar\u012bt to, ko, iesp\u0113jams, negribas (atlikt naudu t\u0113ri\u0146u viet\u0101), lai r\u012btdien sasniegtu to, ko patiesi v\u0113l\u0113tos (finansi\u0101lu br\u012bv\u012bbu).<\/p>\n

Lai process b\u016btu veiksm\u012bgs, s\u0101kum\u0101 ieteicams noteikt t\u0101 d\u0113v\u0113to \u201cb\u0101zes minimumu\u201d \u2013 nelielu, bet fiks\u0113tu summu, kuru iesp\u0113jams novirz\u012bt uzkr\u0101jumiem katru m\u0113nesi bez b\u016btiska kait\u0113juma ikdienas bud\u017eetam. Galvenais nosac\u012bjums \u0161eit ir konsekvence un ap\u0146\u0113m\u012bba \u0161o noteikumu nep\u0101rk\u0101pt.<\/p>\n

Pa\u0161nodarbin\u0101tajiem, kuru ien\u0101kumi m\u0113dz b\u016bt neparedzami un sv\u0101rst\u012bgi, fiks\u0113ta summa ne vienm\u0113r ir lab\u0101kais risin\u0101jums. T\u0101 viet\u0101 eksperte iesaka noteikt procentu\u0101lo apm\u0113ru no katra ien\u0101kuma (piem\u0113ram, 5% vai 10%). \u0160\u0101da strat\u0113\u0123ija nodro\u0161ina elast\u012bbu \u2013 veiksm\u012bg\u0101kos m\u0113ne\u0161os uzkr\u0101jums b\u016bs liel\u0101ks, bet maz\u0101k akt\u012bvos periodos tas nep\u0101rv\u0113rt\u012bsies par nepanesamu slogu.<\/p>\n

\"\"<\/p>\n

M\u016bsdien\u012bgi r\u012bki: \u201cGudr\u0101s kr\u0101jkases\u201d un kontu dal\u012b\u0161ana<\/p>\n

\"Horoskops<\/a>\u0160obr\u012bd aktu\u0101liHoroskops no 8. l\u012bdz 12. janv\u0101rim: Dv\u012b\u0146iem pav\u0113rsies jaunas pe\u013c\u0146as iesp\u0113jas, Lauv\u0101m \u2013 stingras pa\u0161discipl\u012bnas laiks<\/a><\/p>\n

Lai sak\u0101rtotu savu naudas pl\u016bsmu, banku speci\u0101listi iesaka apsv\u0113rt vair\u0101ku atsevi\u0161\u0137u kontu izmanto\u0161anu. Klasiskais modelis paredz vienu kontu ikdienas vajadz\u012bb\u0101m, otru \u2013 oblig\u0101tajiem pamatizdevumiem (\u012bre, komun\u0101lie, kred\u012bti) un tre\u0161o \u2013 uzkr\u0101jumiem.<\/p>\n

\u0160\u0101da strukt\u016bra skaidri par\u0101da, cik daudz naudas paties\u012bb\u0101 ir pieejams t\u0113ri\u0146iem, un pal\u012bdz izvair\u012bties no nejau\u0161as uzkr\u0101jumu izt\u0113r\u0113\u0161anas.<\/p>\n

Tiem, kuriem kr\u0101\u0161ana \u0161\u0137iet sare\u017e\u0123\u012bta, talk\u0101 n\u0101k tehnolo\u0123ijas. \u201cGudr\u0101s kr\u0101jkases\u201d jeb autom\u0101tisk\u0101s noapa\u013co\u0161anas funkcijas \u013cauj veidot uzkr\u0101jumu neman\u0101mi. Katrs pirkums ar karti tiek noapa\u013cots l\u012bdz tuv\u0101kajam eiro, un starp\u012bba non\u0101k kr\u0101jkont\u0101. Gada griezum\u0101 \u0161\u0101d\u0101 veid\u0101, pa\u0161am nepamanot, iesp\u0113jams sakr\u0101t p\u0101rsteidzo\u0161i lielas summas.<\/p>\n

Salikto procentu sp\u0113ks: K\u0101p\u0113c s\u0101kt tie\u0161i tagad?<\/p>\n

Viens no b\u016btisk\u0101kajiem r\u012bkiem labkl\u0101j\u012bbas nodro\u0161in\u0101\u0161anai ir Pensiju 3. l\u012bmenis. Tas ne tikai \u013cauj veidot priv\u0101tu uzkr\u0101jumu, bet ar\u012b sniedz iesp\u0113ju sa\u0146emt iedz\u012bvot\u0101ju ien\u0101kuma nodok\u013ca atmaksu 20% apm\u0113r\u0101 no iemaks\u0101t\u0101s summas. Tom\u0113r liel\u0101kais ieguvums sl\u0113pjas saliktajos procentos.<\/p>\n

\"Kas<\/a>\u0160obr\u012bd aktu\u0101liKas m\u016bs gaida \u0161ogad: Gai\u0161re\u0123is, kura prognozes par pand\u0113miju piepild\u012bj\u0101s, izteicis br\u012bdin\u0101jumu 2026. gadam<\/a><\/p>\n

Salikto procentu meh\u0101nisms ir vienk\u0101r\u0161s: nauda pelna naudu. Ieguldot, piem\u0113ram, 100 eiro ar 5% ienes\u012bgumu, pirmaj\u0101 gad\u0101 tie nopelna 5 eiro. N\u0101kamaj\u0101 gad\u0101 procenti tiek r\u0113\u0137in\u0101ti jau no 105 eiro, un t\u0101 t\u0101l\u0101k. Ilgtermi\u0146\u0101 \u0161is process rada \u201csniega bumbas\u201d efektu \u2013 jo ilg\u0101ks ir ieguld\u012b\u0161anas laiks, jo strauj\u0101k aug kapit\u0101ls.<\/p>\n

Tie\u0161i t\u0101p\u0113c pat mazas summas, s\u0101kot kr\u0101t savlaic\u012bgi, vecumdien\u0101s var p\u0101rv\u0113rsties par v\u0113r\u0101 \u0146emamu kapit\u0101lu.<\/p>\n

Pa\u0161nodarbin\u0101tie: grupa ar visliel\u0101ko risku<\/p>\n

Statistika liecina, ka Latvij\u0101 pa\u0161nodarbin\u0101to personu \u012bpatsvars ir iev\u0113rojams \u2013 vair\u0101k nek\u0101 8% iedz\u012bvot\u0101ju darbsp\u0113j\u012bg\u0101 vecum\u0101 pa\u0161i pl\u0101no savus ien\u0101kumus.<\/p>\n

\u0160aj\u0101 grup\u0101 ietilpst gan rado\u0161o profesiju p\u0101rst\u0101vji un amatnieki, gan IT speci\u0101listi un skaistumkop\u0161anas meistari.<\/p>\n

\"\"<\/p>\n

\u201cCBL Life\u201d eksperti v\u0113r\u0161 uzman\u012bbu uz to, ka pa\u0161nodarbin\u0101tajiem finan\u0161u discipl\u012bna ir kritiski svar\u012bga. At\u0161\u0137ir\u012bb\u0101 no algotiem darbiniekiem, par kuru soci\u0101laj\u0101m iemaks\u0101m r\u016bp\u0113jas darba dev\u0113js, pa\u0161nodarbin\u0101tie ir vien\u012bgie atbild\u012bgie par savu n\u0101kotnes pensiju.<\/p>\n

Bie\u017ei vien, izv\u0113loties veikt minim\u0101l\u0101s iemaksas \u0161odien, tiek upur\u0113ta dro\u0161\u012bba r\u012bt. Ja netiek veidoti priv\u0101ti papildu uzkr\u0101jumi, past\u0101v re\u0101ls risks vecumdien\u0101s palikt bez valsts atbalsta, kas nodro\u0161in\u0101tu pat b\u0101zes vajadz\u012bbas.<\/p>\n

Praktisks ieteikums: Ar ko s\u0101kt \u0161odien?<\/p>\n

Lai gan situ\u0101cija var \u0161\u0137ist satrauco\u0161a, risin\u0101jums ir r\u012bc\u012bb\u0101. Eksperti iesaka vispirms izmantot valsts pied\u0101v\u0101tos r\u012bkus \u2013 p\u0101rbaud\u012bt savu uzkr\u0101to pensijas kapit\u0101lu port\u0101l\u0101 latvija.lv un p\u0101rliecin\u0101ties, vai j\u016bsu izv\u0113l\u0113tais pensiju p\u0101rvaldnieks un pl\u0101ns atbilst j\u016bsu vecumam un riska tolerancei.<\/p>\n

\"Latvij\u0101<\/a>\u0160obr\u012bd aktu\u0101liLatvij\u0101 izloz\u0113ts v\u0113rien\u012bgs laimests: Tre\u0161dienas vakar\u0101 laim\u0113ta liela naudas summa<\/a><\/p>\n

Atcerieties, ka laiks ir j\u016bsu sp\u0113c\u012bg\u0101kais sabiedrotais \u2013 jo \u0101tr\u0101k tiks pie\u0146emts l\u0113mums par pirmo iemaksu uzkr\u0101jum\u0101, jo mier\u012bg\u0101kas un nodro\u0161in\u0101t\u0101kas b\u016bs j\u016bsu vecumdienas.<\/p>\n

Vai j\u016bs jau esat s\u0101ku\u0161i veidot savu priv\u0101to pensijas uzkr\u0101jumu, vai joproj\u0101m pa\u013caujaties tikai uz valsts sist\u0113mu? Dalieties ar savu viedokli un pieredzi koment\u0101ros!<\/p>\n","protected":false},"excerpt":{"rendered":"Banka \u201cCitadele\u201d, veicot padzi\u013cin\u0101tu datu anal\u012bzi un n\u0101kotnes apr\u0113\u0137inus, n\u0101kusi klaj\u0101 ar secin\u0101jumiem, kas liek nopietni p\u0101rv\u0113rt\u0113t m\u016bsu…\n","protected":false},"author":2,"featured_media":99341,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[77,76,35,39,38,36,37,34,40],"class_list":{"0":"post-99340","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bizness","8":"tag-bizness","9":"tag-business","10":"tag-latvia","11":"tag-latvian","12":"tag-latviesu","13":"tag-latviesu-valoda","14":"tag-latviesuvaloda","15":"tag-latvija","16":"tag-lv"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115865317678799842","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/99340","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=99340"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/99340\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/99341"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=99340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=99340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=99340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}