{"id":122753,"date":"2026-07-13T04:57:11","date_gmt":"2026-07-13T04:57:11","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/122753\/"},"modified":"2026-07-13T04:57:11","modified_gmt":"2026-07-13T04:57:11","slug":"spolocensky-trend-ktory-slovaci-zacinaju-riesit-coraz-viac-poculi-ste-uz-o-nom-aj-vy","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/122753\/","title":{"rendered":"Spolo\u010densk\u00fd trend, ktor\u00fd Slov\u00e1ci za\u010d\u00ednaj\u00fa rie\u0161i\u0165 \u010doraz viac: Po\u010duli ste u\u017e o \u0148om aj vy?"},"content":{"rendered":"

BRATISLAVA – Kedysi bol odchod do d\u00f4chodku symbolickou bodkou za pracovn\u00fdm \u017eivotom. Dnes sa v\u0161ak men\u00ed na za\u010diatok \u00faplne novej kapitoly. Odborn\u00edci hovoria o fenom\u00e9ne, ktor\u00fd ovplyvn\u00ed prakticky ka\u017ed\u00e9ho z n\u00e1s \u2013 longevity, teda dlhovekos\u0165.<\/p>\n

Nie je to m\u00f3dne slovo, ale realita. \u013dudia sa do\u017e\u00edvaj\u00fa vy\u0161\u0161ieho veku, zost\u00e1vaj\u00fa dlh\u0161ie akt\u00edvni a po \u0161es\u0165desiatke ich \u010dasto \u010dakaj\u00fa e\u0161te dve \u010di tri desa\u0165ro\u010dia \u017eivota. Ot\u00e1zka preto u\u017e neznie, \u010di sa d\u00f4chodku do\u017eijeme. Ove\u013ea d\u00f4le\u017eitej\u0161ie je, ako ho budeme financova\u0165.<\/p>\n

Slovensko starne r\u00fdchlej\u0161ie, ne\u017e si uvedomujeme<\/p>\n

Demografick\u00e9 progn\u00f3zy hovoria jasne. Slovensko patr\u00ed medzi krajiny, ktor\u00e9 bud\u00fa v najbli\u017e\u0161\u00edch rokoch starn\u00fa\u0165 najr\u00fdchlej\u0161ie v Eur\u00f3pskej \u00fanii. Po\u010det \u013eud\u00ed v produkt\u00edvnom veku bude postupne klesa\u0165, zatia\u013e \u010do seniorov bude v\u00fdrazne prib\u00fada\u0165.\u00a0Pod\u013ea odhadov bude d\u00f4chodcov na konci roku 2030 viac o 194-tis\u00edc \u013eud\u00ed ako v roku 2022. Prispievate\u013eov do syst\u00e9mu bude naopak menej a\u017e o 94-tis\u00edc.\u00a0<\/p>\n

Dlhovekos\u0165 men\u00ed pravidl\u00e1 hry<\/p>\n

Pred\u013a\u017eenie \u017eivota neprin\u00e1\u0161a iba viac rokov. Men\u00ed aj sp\u00f4sob, ak\u00fdm budeme pracova\u0165, zar\u00e1ba\u0165 a pl\u00e1nova\u0165. \u010coraz viac \u013eud\u00ed bude ma\u0165 kari\u00e9ru rozdelen\u00fa do viacer\u00fdch et\u00e1p. Namiesto jedn\u00e9ho zamestn\u00e1vate\u013ea po\u010das cel\u00e9ho \u017eivota bud\u00fa be\u017en\u00e9 zmeny profesie, projektov\u00e1 pr\u00e1ca \u010di obdobia, ke\u010f sa \u010dlovek venuje vzdel\u00e1vaniu alebo podnikaniu.<\/p>\n

Rovnako sa menia aj priority. Popri budovan\u00ed \u00faspor bude potrebn\u00e9 investova\u0165 do vlastn\u00fdch zru\u010dnost\u00ed, zdravia a schopnosti zosta\u0165 akt\u00edvny aj vo vy\u0161\u0161om veku. Skuto\u010dn\u00fdm luxusom bud\u00facnosti toti\u017e nemus\u00ed by\u0165 skor\u00fd d\u00f4chodok, ale mo\u017enos\u0165 slobodne sa rozhodn\u00fa\u0165, \u010di chceme pracova\u0165, oddychova\u0165 alebo venova\u0165 \u010das rodine.<\/p>\n

Nov\u00fd pr\u00edstup k financi\u00e1m od V\u00daB\u00a0<\/p>\n

Spolieha\u0165 sa v\u00fdlu\u010dne na \u0161t\u00e1tny d\u00f4chodok nemus\u00ed ka\u017ed\u00e9mu posta\u010dova\u0165 na udr\u017eanie s\u00fa\u010dasnej \u017eivotnej \u00farovne.\u00a0Pre be\u017en\u00e9ho \u010dloveka to znamen\u00e1 jednoduch\u00fa vec \u2013 ak chce aj po skon\u010den\u00ed pracovn\u00e9ho \u017eivota \u017ei\u0165 podobn\u00fdm \u0161tandardom ako dnes, mal by si vytv\u00e1ra\u0165 vlastn\u00e9 finan\u010dn\u00e9 rezervy.<\/p>\n

Dlhovekos\u0165 (longevity) nie je nov\u00fd produkt, ale nov\u00fd investi\u010dn\u00fd pr\u00edstup. Jeho cie\u013eom nie je len vytvori\u0165 \u00faspory na d\u00f4chodok, ale nastavi\u0165 financie tak, aby \u010dloveku poskytovali dostatok mo\u017enost\u00ed po\u010das cel\u00e9ho \u017eivota. Pr\u00e1ve na tento pr\u00edstup sa zameriava aj V\u00daB banka<\/a>.<\/p>\n

Osobn\u00fd finan\u010dn\u00fd pl\u00e1n<\/a>\u00a0\u2013 pom\u00e1ha klientom analyzova\u0165 ich pr\u00edjmy, v\u00fddavky, existuj\u00face \u00faspory aj bud\u00face ciele. V\u00fdsledkom nie je univerz\u00e1lne rie\u0161enie, ale individu\u00e1lny pl\u00e1n, ktor\u00fd pom\u00f4\u017ee odhadn\u00fa\u0165, ak\u00fd pr\u00edjem bude \u010dlovek po odchode do d\u00f4chodku potrebova\u0165 a ak\u00fdmi krokmi sa k nemu m\u00f4\u017ee dopracova\u0165. Preto je d\u00f4le\u017eit\u00e1 aj spolupr\u00e1ca s\u00a0bankov\u00fdm poradcom.<\/p>\n

InvestPlan<\/a> \u2013\u00a0slu\u017eba investi\u010dn\u00e9 poradenstvo, pomocou ktorej bankov\u00fd poradca pom\u00f4\u017ee zostavi\u0165 investi\u010dn\u00e9 portf\u00f3lio, v\u00a0s\u00falade s investi\u010dn\u00fdmi cie\u013emi klienta, \u010dasov\u00fdm horizontom, po\u010das ktor\u00e9ho chce investova\u0165, ako aj pod\u013ea individu\u00e1lneho vz\u0165ahu k\u00a0riziku. Bank\u00e1r z\u00e1rove\u0148 priebe\u017ene sleduje v\u00fdvoj portf\u00f3lia a\u00a0m\u00f4\u017ee odpor\u00fa\u010da\u0165 \u00fapravy pod\u013ea aktu\u00e1lnej situ\u00e1cie, o\u00a0ktorej klienta pravidelne informuje.<\/p>\n

\t
\n\t\t\"Nechajte\t\t\t<\/p>\n

\n\t\t\t\tZobrazi\u0165 gal\u00e9riu (3)\t\t\t<\/p>\n

\t<\/a><\/p>\n

Nechajte si poradi\u0165 od expertov z V\u00daB aj vy\t\u00a0(Zdroj: Getty Images)<\/p>\n

Sebavedomie m\u00e1me, pl\u00e1n nie<\/p>\n

Prieskumy ukazuj\u00fa zauj\u00edmav\u00fd rozpor. A\u017e \u0161tyria z desiatich Slov\u00e1kov s\u00fa presved\u010den\u00ed, \u017ee svoju finan\u010dn\u00fa bud\u00facnos\u0165 zvl\u00e1daj\u00fa dobre. Realita v\u0161ak vyzer\u00e1 inak. V\u00e4\u010d\u0161ina \u013eud\u00ed nem\u00e1 pripraven\u00fd finan\u010dn\u00fd pl\u00e1n na d\u00f4chodok. Len mal\u00e9 percento vie odhadn\u00fa\u0165, ko\u013eko pe\u0148az\u00ed bude po skon\u010den\u00ed pracovn\u00e9ho \u017eivota potrebova\u0165.<\/p>\n

Celkov\u00e1 pripravenos\u0165 Slov\u00e1kov je v\u00a0jedna z\u202fnajni\u017e\u0161\u00edch v Eur\u00f3pe. Do d\u00f4chodku chceme \u00eds\u0165 v 59 rokoch, ale \u0161etri\u0165 si za\u010d\u00edname a\u017e po 34 roku \u017eivota.\u00a0Re\u00e1lne a\u017e\u00a0 87 % popul\u00e1cie ide do d\u00f4chodku bez jasn\u00e9ho finan\u010dn\u00e9ho pl\u00e1nu.<\/p>\n

Nesta\u010d\u00ed ma\u0165 iba majetok, d\u00f4le\u017eit\u00fd je pl\u00e1n<\/p>\n

Mnoh\u00ed Slov\u00e1ci pova\u017euj\u00fa za svoju hlavn\u00fa invest\u00edciu nehnute\u013enos\u0165. Ani t\u00e1 v\u0161ak nemus\u00ed automaticky vyrie\u0161i\u0165 financovanie dlh\u00e9ho \u017eivota.\u00a0Odborn\u00edci tvrdia, \u017ee s meniacou sa demografiou sa m\u00f4\u017eu meni\u0165 aj ceny nehnute\u013enost\u00ed \u010di dopyt po b\u00fdvan\u00ed.\u00a0Preto rastie v\u00fdznam finan\u010dn\u00e9ho majetku, pravideln\u00e9ho investovania aj vytv\u00e1rania dostato\u010dnej rezervy.<\/p>\n

Sta\u010d\u00ed za\u010da\u0165 v\u010das<\/p>\n

Dlhovekos\u0165 je dobrou spr\u00e1vou len vtedy, ak n\u00e1m po\u010das nej nech\u00fdba sloboda rozhodova\u0165 o tom, ako chceme svoj \u010das pre\u017ei\u0165. A t\u00e1 sa neza\u010d\u00edna budova\u0165 po \u0161es\u0165desiatke, ale ove\u013ea sk\u00f4r.\u00a0Pr\u00e1ve preto sa finan\u010dn\u00e9 pl\u00e1novanie st\u00e1va jednou z d\u00f4le\u017eit\u00fdch \u017eivotn\u00fdch invest\u00edci\u00ed. Pora\u010fte sa s odborn\u00edkmi z V\u00daB<\/a>, ktor\u00ed v\u00e1m uk\u00e1\u017eu va\u0161e mo\u017enosti. Z\u00edskate tak dokonal\u00fd preh\u013ead a rie\u0161enie presne pre v\u00e1\u0161 konkr\u00e9tny pr\u00edpad.<\/p>\n

\t
\n\t\t\"Fenom\u00e9n,\t<\/a><\/p>\n

\t\u00a0(Zdroj: V\u00daB)<\/p>\n

Marketingov\u00e1 komunik\u00e1cia vypracovan\u00e1 spolo\u010dnos\u0165ou V\u00daB, a. s., s investovan\u00edm je spojen\u00e9 aj riziko.\u00a0Hodnota invest\u00edcie m\u00f4\u017ee r\u00e1s\u0165, stagnova\u0165, alebo aj klesa\u0165 a nie je zaru\u010den\u00e1 n\u00e1vratnos\u0165 p\u00f4vodne investovanej sumy. V\u00fdkonnos\u0165 v minulosti nie je spo\u013eahliv\u00fdm ukazovate\u013eom bud\u00facej v\u00fdkonnosti.\u00a0Tento materi\u00e1l nepredstavuje v\u00fdzvu alebo odpor\u00fa\u010danie na n\u00e1kup konkr\u00e9tneho produktu a\u00a0nesl\u00fa\u017ei k\u00a0poskytovaniu investi\u010dn\u00e9ho prieskumu \u010di investi\u010dn\u00e9ho poradenstva. <\/p>\n

Uveden\u00e9 inform\u00e1cie maj\u00fa v\u0161eobecn\u00fa povahu a\u00a0nezoh\u013ead\u0148uj\u00fa individu\u00e1lne potreby investorov. Da\u0148ov\u00fd re\u017eim z\u00e1vis\u00ed od individu\u00e1lnych pomerov ka\u017ed\u00e9ho podielnika, ktor\u00e9 sa m\u00f4\u017eu v bud\u00facnosti meni\u0165.\u00a0\u00a0Slu\u017eba InvestPlan predstavuje investi\u010dn\u00fa slu\u017ebu investi\u010dn\u00e9 poradenstvo. Na vyl\u00fa\u010denie ak\u00fdchko\u013evek pochybnost\u00ed, V\u00daB, a. s., neposkytuje investi\u010dn\u00fa slu\u017ebu riadenie portf\u00f3lia. <\/p>\n

Viac inform\u00e1ci\u00ed o\u00a0produktoch a\u00a0ich zlo\u017een\u00ed a investi\u010dn\u00fdch slu\u017eb\u00e1ch, vr\u00e1tane dokumentov, ktor\u00e9 by ste mali zv\u00e1\u017ei\u0165 pred prijat\u00edm kone\u010dn\u00e9ho investi\u010dn\u00e9ho rozhodnutia (najm\u00e4 Dokument s\u00a0k\u013e\u00fa\u010dov\u00fdmi inform\u00e1ciami, Predajn\u00fd prospekt, Kone\u010dn\u00e9 podmienky) a upozornen\u00ed v s\u00favislosti s rizikami spojen\u00fdmi s invest\u00edciami vo finan\u010dn\u00fdch n\u00e1strojoch, je mo\u017en\u00e9 z\u00edska\u0165 na v\u0161etk\u00fdch predajn\u00fdch miestach V\u00daB, a. s., a na www.vub.sk v sekcii Misia a hodnoty, Ochrana investora.\u00a0<\/p>\n

Advertori\u00e1l<\/a>\u00a0pripraven\u00fd v spolupr\u00e1ci s V\u00daB.<\/p>\n","protected":false},"excerpt":{"rendered":"BRATISLAVA – Kedysi bol odchod do d\u00f4chodku symbolickou bodkou za pracovn\u00fdm \u017eivotom. Dnes sa v\u0161ak men\u00ed na za\u010diatok…\n","protected":false},"author":2,"featured_media":122754,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[32],"tags":[34,37,38510,33,43,40,39,42,41,36,38,35,3750],"class_list":["post-122753","post","type-post","status-publish","format-standard","has-post-thumbnail","category-spravy","tag-headlines","tag-hlavne-spravy","tag-longevity","tag-news","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-spravy","tag-titulky","tag-top-stories","tag-vub"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116910899156411140","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/122753","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=122753"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/122753\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/122754"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=122753"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=122753"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=122753"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}