\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU<\/p>\n
Bud\u00faci d\u00f4chodcovia by mohli pred odchodom na penziu<\/a> dosta\u0165 nov\u00fa mo\u017enos\u0165 vo\u013eby. Ak by im kombinovan\u00fd d\u00f4chodok z prv\u00e9ho a druh\u00e9ho piliera vy\u0161iel ni\u017e\u0161\u00ed ne\u017e d\u00f4chodok vypl\u00e1can\u00fd iba z priebe\u017en\u00e9ho syst\u00e9mu, \u0161t\u00e1t by im mohol umo\u017eni\u0165 zvoli\u0165 si len prv\u00fd pilier. O n\u00e1vrhu aktu\u00e1lne diskutuje pracovn\u00e1 skupina na Ministerstve pr\u00e1ce, soci\u00e1lnych vec\u00ed a rodiny.<\/p>\n Inform\u00e1ciu potvrdil minister pr\u00e1ce Erik Tom\u00e1\u0161, pod\u013ea ktor\u00e9ho ide o vecn\u00fd n\u00e1vrh. Z\u00e1rove\u0148 zd\u00f4raznil, \u017ee by ne\u0161lo o op\u00e4tovn\u00e9 otvorenie druh\u00e9ho piliera v doteraj\u0161ej podobe. Sporitelia by tak nemali mo\u017enos\u0165 vyst\u00fapi\u0165 z neho kedyko\u013evek po\u010das produkt\u00edvneho veku, ale len tesne pred odchodom do d\u00f4chodku a len v pr\u00edpade, \u017ee by to bolo pre nich finan\u010dne v\u00fdhodnej\u0161ie, uv\u00e1dza port\u00e1l O peniazoch<\/a>.\u00a0<\/p>\n D\u00f4chodcovia si bud\u00fa m\u00f4c\u0165 vybra\u0165 z dvoch mo\u017enost\u00ed<\/p>\n Pod\u013ea ministra by nov\u00fd model fungoval ako jednorazov\u00e1 vo\u013eba pred odchodom na d\u00f4chodok<\/a>. \u201ePred n\u00e1stupom na d\u00f4chodok by sme \u013eu\u010fom umo\u017enili sa rozhodn\u00fa\u0165, \u010do je pre nich lep\u0161ie, \u010di pobera\u0165 d\u00f4chodok z prv\u00e9ho a druh\u00e9ho piliera, alebo sa vr\u00e1ti\u0165 do Soci\u00e1lnej pois\u0165ovne a pobera\u0165 tento d\u00f4chodok len z prv\u00e9ho piliera,\u201c pribl\u00ed\u017eil Tom\u00e1\u0161.<\/p>\n Z\u00e1kladn\u00e1 logika n\u00e1vrhu je jednoduch\u00e1. Ak by sporite\u013e po v\u00fdpo\u010dte zistil, \u017ee s\u00fa\u010det d\u00f4chodku z prv\u00e9ho a druh\u00e9ho piliera je ni\u017e\u0161\u00ed ne\u017e d\u00f4chodok len z prv\u00e9ho piliera, mohol by sa rozhodn\u00fa\u0165 pre n\u00e1vrat do Soci\u00e1lnej pois\u0165ovne. Cie\u013eom m\u00e1 by\u0165 ochrana \u013eud\u00ed, ktor\u00ed by inak na kombinovanom modeli prerobili.<\/p>\n Minister z\u00e1rove\u0148 povedal, \u017ee in\u00fd sp\u00f4sob vyst\u00fapenia z druh\u00e9ho piliera sa nepl\u00e1nuje. Rovnako sa nemaj\u00fa zni\u017eova\u0165 odvody smeruj\u00face do kapitaliza\u010dn\u00e9ho piliera. Pracovn\u00e1 skupina sa teda nesna\u017e\u00ed syst\u00e9m rozobra\u0165, ale upravi\u0165 jeho fungovanie pri v\u00fdstupe na d\u00f4chodok.<\/p>\n Rezort tvrd\u00ed, \u017ee je to lep\u0161ie ako op\u00e4tovn\u00e9 otvorenie piliera<\/p>\n Tom\u00e1\u0161 pod\u013ea Sme<\/a> ozna\u010dil tento variant za lep\u0161\u00ed ako opakovan\u00e9 otv\u00e1ranie druh\u00e9ho piliera, ktor\u00e9 sa v minulosti na Slovensku u\u017e viackr\u00e1t vyu\u017eilo. Tak\u00e9to z\u00e1sahy dlhodobo kritizovali d\u00f4chodkov\u00e9 spr\u00e1vcovsk\u00e9 spolo\u010dnosti, preto\u017ee pod\u013ea nich oslabovali stabilitu syst\u00e9mu a komplikovali investi\u010dn\u00e9 pl\u00e1novanie.<\/p>\n Ak sa toti\u017e sporitelia m\u00f4\u017eu vo ve\u013ekom rozhodn\u00fa\u0165 vyst\u00fapi\u0165, spr\u00e1vcovia nevedia presne, s ak\u00fdm objemom majetku bud\u00fa pracova\u0165 v bud\u00facnosti. To m\u00f4\u017ee ma\u0165 dosah na investi\u010dn\u00fa strat\u00e9giu penzijn\u00fdch fondov aj na dlhodob\u00e9 zhodnocovanie \u00faspor investorov.<\/p>\n Minister pouk\u00e1zal aj na to, \u017ee podobn\u00fd model u\u017e funguje tie\u017e v Chorv\u00e1tsku. Tam maj\u00fa bud\u00faci d\u00f4chodcovia mo\u017enos\u0165 rozhodn\u00fa\u0165 sa, \u010di zostan\u00fa pri kombinovanom d\u00f4chodku, alebo si zvolia vypl\u00e1canie len z prv\u00e9ho piliera, ak je to pre nich v\u00fdhodnej\u0161ie.<\/p>\n Bud\u00faci d\u00f4chodcovia musia po\u010d\u00edta\u0165<\/p>\n Debata o druhom pilieri sa v\u0161ak nekon\u010d\u00ed len pri mo\u017enosti vo\u013eby na konci sporenia. Pod\u013ea ministra sa pracovn\u00e1 skupina zaober\u00e1 aj ot\u00e1zkou minim\u00e1lnych odvodov do druh\u00e9ho piliera. Tie by sa pod\u013ea diskutovan\u00e9ho n\u00e1vrhu mohli ukotvi\u0165 v \u00fastave, aby v bud\u00facnosti nemohli klesn\u00fa\u0165 pod ur\u010dit\u00fa hranicu.<\/p>\n To by znamenalo snahu posilni\u0165 stabilitu syst\u00e9mu a da\u0165 sporite\u013eom aj spr\u00e1vcovsk\u00fdm spolo\u010dnostiam v\u00e4\u010d\u0161iu istotu, \u017ee pravidl\u00e1 sa nebud\u00fa meni\u0165 pri ka\u017edej politickej zmene.<\/p>\n Druh\u00fd pilier je toti\u017e na Slovensku dlhodobo citlivou t\u00e9mou a jeho nastavenie sa v minulosti viackr\u00e1t menilo. Aktu\u00e1lne sa v \u0148om nach\u00e1dza takmer 20 mili\u00e1rd eur.<\/p>\n Pracovn\u00fa skupinu pod\u013ea Tom\u00e1\u0161a tvoria odborn\u00edci, z\u00e1stupcovia ministerstva aj opoz\u00edcie. Amb\u00edciou m\u00e1 by\u0165 \u201edefinit\u00edvne vyrie\u0161enie v\u0161etk\u00fdch ot\u00e1zok v druhom pilieri\u201c.<\/p>\n Bud\u00facnos\u0165 uk\u00e1\u017ee<\/p>\n Ak by sa n\u00e1vrh premietol do z\u00e1kona, i\u0161lo by o jednu z najv\u00fdznamnej\u0161\u00edch zmien v d\u00f4chodkovom syst\u00e9me za posledn\u00e9 roky. Pre \u010das\u0165 bud\u00facich penzistov by to mohlo znamena\u0165 vy\u0161\u0161\u00ed d\u00f4chodok, pre druh\u00fd pilier zasa nov\u00fa sk\u00fa\u0161ku d\u00f4veryhodnosti.<\/p>\n K\u013e\u00fa\u010dov\u00e9 bude, ako sa nastav\u00ed samotn\u00fd v\u00fdpo\u010det porovnania a za ak\u00fdch podmienok bude mo\u017en\u00e9 vo\u013ebu uplatni\u0165. Od toho bude z\u00e1visie\u0165, \u010di p\u00f4jde o technick\u00fa \u00fapravu v prospech sporite\u013eov, alebo o \u010fal\u0161\u00ed z\u00e1sah, ktor\u00fd otvor\u00ed \u0161ir\u0161iu politick\u00fa debatu o bud\u00facnosti druh\u00e9ho piliera na Slovensku.<\/p>\n \n \u010c\u00edtaj viac z kateg\u00f3rie: Zo Slovenska<\/a>\n <\/p>\n \n \u010eakujeme, \u017ee \u010d\u00edta\u0161 Startitup. V pr\u00edpade, \u017ee m\u00e1\u0161 postreh alebo si na\u0161iel v \u010dl\u00e1nku chybu, nap\u00ed\u0161 n\u00e1m na redakcia@startitup.sk<\/a>.\n <\/p>\n Zdroje: O\u00a0peniazoch<\/a>, Sme<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU Bud\u00faci d\u00f4chodcovia by mohli pred odchodom na penziu dosta\u0165 nov\u00fa mo\u017enos\u0165 vo\u013eby. Ak by…\n","protected":false},"author":2,"featured_media":46863,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[5354,2951,7600,43,40,44,39,42,45,41,10748],"class_list":{"0":"post-46862","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-slovensko","8":"tag-dochodcovia","9":"tag-dochodok","10":"tag-penzia","11":"tag-sk","12":"tag-slovak","13":"tag-slovak-republic","14":"tag-slovakia","15":"tag-slovencina","16":"tag-slovenska-republika","17":"tag-slovensko","18":"tag-vystupenie"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116421117308967133","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/46862","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=46862"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/46862\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/46863"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=46862"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=46862"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=46862"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}