![\"d\u00f4chodok,](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/08\/1787217612_68_dochodok-hotovost.jpg\")
<\/p>\nD\u00f4chodcovia na Slovensku si znovu prilep\u0161ia, v najbli\u017e\u0161om obdob\u00ed hne\u010f dvakr\u00e1t. V jednom pr\u00edpade p\u00f4jde o jednorazov\u00fd pr\u00edspevok, v pr\u00edpade druhom o \u201ctrval\u00fa\u201d zmenu. Pre v\u00e4\u010d\u0161inu bude d\u00f4le\u017eitej\u0161ia t\u00e1 druh\u00e1. Re\u010d je o valoriz\u00e1cii, respekt\u00edve navy\u0161ovan\u00ed d\u00f4chodkov. Valoriz\u00e1cia sa u n\u00e1s rob\u00ed pravidelne, ke\u010f\u017ee \u0161t\u00e1t chce zabezpe\u010di\u0165, aby d\u00f4chodky st\u00edhali \u010doraz vy\u0161\u0161\u00edm cen\u00e1m. \u010eal\u0161ia valoriz\u00e1cia pr\u00edde v janu\u00e1ri a hoci presn\u00e9 percento e\u0161te nepozn\u00e1me, m\u00f4\u017eeme pracova\u0165 aspo\u0148 s odhadmi, ktor\u00e9 zvy\u010dajne nemaj\u00fa \u010faleko od reality.<\/p>\n
Pre lep\u0161ie porozumenie, kone\u010dn\u00e9 sumy, ktor\u00e9 d\u00f4chodcom pristan\u00fa na \u00fa\u010dtoch, sa bud\u00fa odv\u00edja\u0165 od takzvanej d\u00f4chodkovej infl\u00e1cie, pri\u010dom to k\u013e\u00fa\u010dov\u00e9 obdobie sa e\u0161te len mus\u00ed vyhodnoti\u0165. Taktie\u017e treba spomen\u00fa\u0165, \u017ee pre seniorov to neznamen\u00e1 \u017eiadnu extra byrokraciu, teda nemusia uteka\u0165 na \u00farady ani nikam vola\u0165. Valoriz\u00e1cia je automatick\u00fd proces, na \u00fa\u010dty rovno pr\u00edde vy\u0161\u0161ia suma.<\/p>\n
Rozhodne sa na jese\u0148<\/p>\n
Rozhoduj\u00facou s\u00fa\u010das\u0165ou rovnice, v\u00fdsledkom ktorej je presn\u00e9 percento valoriz\u00e1cie, je priemern\u00fd medziro\u010dn\u00fd rast spotrebite\u013esk\u00fdch cien za dom\u00e1cnosti d\u00f4chodcov za obdobie prv\u00fdch 9 mesiacov roka. Teraz m\u00e1me august, \u010do znamen\u00e1, \u017ee toto obdobie e\u0161te neuplynulo. Uplynie o nie\u010do vy\u0161e mesiaca.\u00a0<\/p>\n
Potrebn\u00e9 d\u00e1ta vyhodnocuje \u0160tatistick\u00fd \u00farad SR, a to v\u017edy sp\u00e4tne. To znamen\u00e1, \u017ee hoci sledovan\u00e9 obdobie skon\u010d\u00ed v septembri, presn\u00e9 d\u00e1ta, ktor\u00e9 ur\u010dia valoriz\u00e1ciu, bud\u00fa dostupn\u00e9 a\u017e v priebehu okt\u00f3bra.<\/p>\n
Odhady spom\u00ednaj\u00fa 3,7 percenta<\/p>\n
No ako sme spomenuli, hoci nem\u00e1me presn\u00e9 \u010d\u00edsla, m\u00e1me aspo\u0148 odhady. A tie vyzeraj\u00fa celkom zauj\u00edmavo. Naj\u010dastej\u0161ie hovoria o rozmedz\u00ed 3,6 a\u017e 3,7 percenta. Je celkom jednoducho, ktor\u00fdm \u010d\u00edslom sa budeme riadi\u0165, preto\u017ee to nie je obrovsk\u00fd rozdiel. Pre lep\u0161iu predstavu, rozdiel len 0,1 percenta pri d\u00f4chodku vo v\u00fd\u0161ke 800 eur predstavuje len okolo 80 centov mesa\u010dne.<\/p>\n
Pri valoriz\u00e1cii plat\u00ed jednoduch\u00e9 a logick\u00e9 pravidlo. Hoci je percento pre v\u0161etk\u00fdch rovnak\u00e9, nie ka\u017ed\u00fd si prilep\u0161\u00ed o rovnak\u00fd po\u010det eur. Nie v\u0161etci toti\u017e poberaj\u00fa rovnako vysok\u00fd d\u00f4chodok. Ak v\u00e1m napr\u00edklad mesa\u010dne chod\u00ed 500 eur, po valoriz\u00e1cii o to optimistickej\u0161ie percento (3,7 percenta) si polep\u0161\u00edte o 18,50 eura mesa\u010dne. Pokia\u013e beriete dvojn\u00e1sobok, teda 1 000 eur, ka\u017ed\u00fd mesiac v\u00e1m na \u00fa\u010det cinkne o 37 eur viac.<\/p>\n
Samotn\u00fd prepo\u010det prebieha tak, \u017ee najsk\u00f4r sa vezme aktu\u00e1lna v\u00fd\u0161ka d\u00e1vky, ktor\u00e1 sa vyn\u00e1sob\u00ed koeficientom 1,037. V\u00fdsledok sa potom \u0161pecificky zaokr\u00fahli. \u0160pecificky preto, lebo pri valoriz\u00e1cii sa zaokr\u00fah\u013euje v\u017edy smerom nahor na najbli\u017e\u0161\u00edch 10 centov. Ak v\u00e1m teda vyjde d\u00f4chodok napr\u00edklad 502,33 eura, nedostanete 502,30 eura, ale 502,40 eura.<\/p>\n
Vo v\u00fdsledku to teda bude vyzera\u0165 tak, \u017ee ak niekto pober\u00e1 d\u00f4chodok 647,30 eura, po valoriz\u00e1cii o 3,7 percenta mu d\u00f4chodok st\u00fapne na 671,30 eura. Mesa\u010dne si teda prilep\u0161\u00ed o 24 eur, respekt\u00edve o 288 eur za cel\u00fd rok. Ak je d\u00f4chodok 812 eur, nov\u00e1 suma sa vy\u0161plh\u00e1 na 842,50 eura. V tomto pr\u00edpade je mesa\u010dn\u00fd rozdiel nie\u010do cez 30 eur, presnej\u0161ie 30,10 eura.<\/p>\n
<\/p>\n
\t\tZdroj: Depositphotos<\/a> <\/p>\n \u0160pecifick\u00e9 pravidl\u00e1\u00a0<\/p>\n Treba si ale da\u0165 pozor na osobitn\u00e9 pravidl\u00e1, ktor\u00e9 platia pre ur\u010dit\u00e9 skupiny seniorov. Platia napr\u00edklad vtedy, ke\u010f dan\u00e1 osoba pober\u00e1 dva d\u00f4chodky naraz, napr\u00edklad starobn\u00fd a k nemu vdovsk\u00fd. Valoriz\u00e1cia v tomto pr\u00edpade nefunguje tak, \u017ee oba d\u00f4chodky spoj\u00ed do jedn\u00e9ho bal\u00ed\u010dka a ten valorizuje o 3,7 percenta. Ka\u017ed\u00fd d\u00f4chodok prepo\u010d\u00edta samostatne. D\u00e1 sa to vysvetli\u0165 na pr\u00edklade, kedy d\u00f4chodca pober\u00e1 starobn\u00fa penziu vo v\u00fd\u0161ke 760,20 eura a k tomu vdovsk\u00fd d\u00f4chodok za 215,50 eura. Po valoriz\u00e1cii dostane 788,40 eura na starobnom a 223,50 eura na vdovskom d\u00f4chodku. Dokopy tak mesa\u010dne dostane 1 011,90 eura namiesto 975,70 eura, \u010do je rozdiel vo v\u00fd\u0161ke 36,20 eura.<\/p>\n Pokia\u013e ide o poberate\u013eov minim\u00e1lneho d\u00f4chodku, pri t\u00fdch Soci\u00e1lna pois\u0165ov\u0148a najsk\u00f4r valorizuje vypo\u010d\u00edtan\u00fd z\u00e1sluhov\u00fd d\u00f4chodok pod\u013ea po\u010dtu odpracovan\u00fdch rokov. T\u00fato sumu potom porovn\u00e1 s garantovanou minim\u00e1lnou hranicou. Vo v\u00fdsledku dostane d\u00f4chodca t\u00fa \u010diastku, ktor\u00e1 je pre neho v\u00fdhodnej\u0161ia, respekt\u00edve t\u00fa, ktor\u00e1 je vy\u0161\u0161ia.<\/p>\n Pokia\u013e e\u0161te k tomu rie\u0161i exeku\u010dn\u00e9 zr\u00e1\u017eky, najsk\u00f4r sa aplikuje percentu\u00e1lne nav\u00fd\u0161enie na cel\u00fa hrub\u00fa sumu a a\u017e potom sa nanovo prepo\u010d\u00edtaj\u00fa zr\u00e1\u017eky.<\/p>\n Dotkne sa to v\u0161etk\u00fdch a automaticky<\/p>\n Na z\u00e1ver dop\u013a\u0148ame, \u017ee valoriz\u00e1cia sa viac \u010di menej dotkne \u00faplne v\u0161etk\u00fdch tried penzi\u00ed, vr\u00e1tane starobn\u00fdch, pred\u010dasn\u00fdch, invalidn\u00fdch aj pozostalostn\u00fdch. Nov\u00e9 sumy pr\u00eddu na \u00fa\u010det automaticky v \u0161tandardnom janu\u00e1rovom v\u00fdplatnom term\u00edne. S\u00fa\u010das\u0165ou prvej platby od Soci\u00e1lnej pois\u0165ovne pritom bude aj doplatok za predch\u00e1dzaj\u00face dni, teda dni od za\u010diatku roka.<\/p>\n K peniazom pr\u00edde aj p\u00edsomn\u00e9 rozhodnutie, ktor\u00e9 ur\u010dite nebude na \u0161kodu d\u00f4kladne skontrolova\u0165.<\/p>\n E\u0161te trin\u00e1sty d\u00f4chodok<\/p>\n Okrem valoriz\u00e1cie sa seniori na prelome rokov do\u010dkaj\u00fa jednorazov\u00e9ho pr\u00edspevku od \u0161t\u00e1tu, konkr\u00e9tne trin\u00e1steho d\u00f4chodku<\/a>. Ten bude op\u00e4\u0165 \u0161tedr\u00fd, hoci nie tak ve\u013emi, akoby mohol by\u0165. Vl\u00e1da sa toti\u017e rozhodla trin\u00e1sty d\u00f4chodok na tri roky zmrazi\u0165. Do roku 2028 tak bude na \u00fa\u010dty chodi\u0165 suma z roku 2025<\/a>. K tomuto rozhodnutiu do\u0161lo v s\u00favislosti s konsolid\u00e1ciou, ktor\u00e1 n\u00fati \u0161t\u00e1t \u0161etri\u0165. Trin\u00e1ste d\u00f4chodky pritom aj za zn\u00ed\u017eenej sadzby predstavuj\u00fa obrovsk\u00fa v\u00fddavkov\u00fa polo\u017eku. Pribli\u017euje sa k miliarde eur.<\/p>\n Z\u00e1kon hovor\u00ed, \u017ee \u017eiadny trin\u00e1sty d\u00f4chodok nesmie presiahnu\u0165 maxim\u00e1lny strop, ktor\u00fdm je suma 667,30 eura, no z\u00e1rove\u0148 nem\u00f4\u017ee by\u0165 ni\u017e\u0161\u00ed ako minimum, teda 300 eur. T\u00fa vy\u0161\u0161iu sumu dostan\u00fa starobn\u00ed a pred\u010dasn\u00ed d\u00f4chodcovia, ako aj poberatelia invalidn\u00fdch penzi\u00ed, ktor\u00ed dov\u0155\u0161ili d\u00f4chodkov\u00fd vek. T\u00fa ni\u017e\u0161iu hranicu dostan\u00fa poberatelia sirotsk\u00e9ho d\u00f4chodku.<\/p>\n","protected":false},"excerpt":{"rendered":"D\u00f4chodcovia na Slovensku si znovu prilep\u0161ia, v najbli\u017e\u0161om obdob\u00ed hne\u010f dvakr\u00e1t. V jednom pr\u00edpade p\u00f4jde o jednorazov\u00fd pr\u00edspevok,…\n","protected":false},"author":2,"featured_media":156409,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[64,2951,65,66,2617,228,7600,27096,43,40,39,42,41,2410,32087,3366],"class_list":["post-156408","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomika","tag-business","tag-dochodok","tag-economic","tag-ekonomika","tag-inflacia","tag-peniaze","tag-penzia","tag-poberatelia","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-trinasty-dochodok","tag-valorizacia","tag-zvysenie"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117127101224275376","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/156408","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=156408"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/156408\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/156409"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=156408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=156408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=156408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}