Hor\u00faca novinka<\/p>\n
![\"D\u00f4chodkov\u00e1](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/04\/dochodkova-prognoza-nehovori-celu-pravdu.webp.webp\")
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D\u00f4chodkov\u00e1 progn\u00f3za nehovor\u00ed cel\u00fa pravdu. Zdroj: shutterstock.com\/Vladimir Khodataev\/fizkes <\/p>\n
D\u00f4chodkov\u00e1 progn\u00f3za tento rok pristane v schr\u00e1nke ka\u017ed\u00e9ho Slov\u00e1ka. \u010c\u00edslo, ktor\u00e9 v nej uvid\u00edte, bude konkr\u00e9tne. Ot\u00e1zka je, \u010di bude aj pravdiv\u00e9. Prv\u00fdkr\u00e1t v hist\u00f3rii toti\u017e \u0161t\u00e1t ukazuje poistencom ich predpokladan\u00fd d\u00f4chodok v eur\u00e1ch, no za t\u00fdmto zdanlivo transparentn\u00fdm krokom sa skr\u00fdva z\u00e1sadn\u00e1 trhlina, o ktorej sa pr\u00edli\u0161 nehovor\u00ed.<\/p>\n Historick\u00e1 novinka: D\u00f4chodkov\u00e1 progn\u00f3za kone\u010dne v \u010d\u00edslach<\/p>\n Slovensko urobilo v roku 2026 z\u00e1sadn\u00fd krok. Soci\u00e1lna pois\u0165ov\u0148a<\/a> \u013eu\u010fom prv\u00fdkr\u00e1t za\u0161le d\u00f4chodkov\u00fa progn\u00f3zu<\/a> a to do 31. m\u00e1ja 2026, pri\u010dom \u00fadaje bud\u00fa vych\u00e1dza\u0165 zo stavu evidovan\u00fdch \u00fadajov k 31. decembru 2025.<\/p>\n \u010co je d\u00f4chodkov\u00e1 progn\u00f3za<\/p>\n Nie je to len such\u00fd v\u00fdpis. Dokument obsahuje predpokladan\u00fd starobn\u00fd d\u00f4chodok z I. aj II. piliera v troch scen\u00e1roch \u2014 z\u00e1kladnom, optimistickom a pesimistickom.<\/p>\n Z\u00e1rove\u0148 si ka\u017ed\u00fd sporite\u013e v druhom pilieri u\u017e dnes m\u00f4\u017ee pozrie\u0165 v\u00fdpis z osobn\u00e9ho d\u00f4chodkov\u00e9ho \u00fa\u010dtu<\/a>, ke\u010f\u017ee d\u00f4chodkov\u00e9 spr\u00e1vcovsk\u00e9 spolo\u010dnosti ho musia doru\u010di\u0165 zo z\u00e1kona do konca marca.<\/p>\n Pod\u013ea Allianz DSS<\/a> oba dokumenty odpovedaj\u00fa na tie najz\u00e1sadnej\u0161ie \u017eivotn\u00e9 ot\u00e1zky:<\/p>\n \u201e\u010ci budeme ma\u0165 dostatok pr\u00edjmov na \u017eivot, \u010di budeme musie\u0165 pracova\u0165 dlh\u0161ie alebo \u010di si udr\u017e\u00edme do bud\u00facnosti \u017eivotn\u00fd \u0161tandard.\u201c<\/p>\n To znie dobre. Kde je teda h\u00e1\u010dik?<\/p>\n Nespoliehajte sa na \u0161t\u00e1tny d\u00f4chodok. Zdroj: shutterstock.com\/PerfectWave<\/p>\n D\u00f4chodkov\u00e1 progn\u00f3za m\u00f4\u017ee klama\u0165<\/p>\n D\u00f4chodkov\u00e1 progn\u00f3za z prv\u00e9ho piliera vych\u00e1dza z predpokladov o bud\u00facom v\u00fdvoji miezd, infl\u00e1cie a produktivity pr\u00e1ce.<\/p>\n Nezoh\u013ead\u0148uje v\u0161ak demografick\u00fd v\u00fdvoj\u00a0a pr\u00e1ve to je jej najv\u00e4\u010d\u0161ia slabina.<\/p>\n Slovensko toti\u017e demograficky krv\u00e1c\u00e1. V roku 2025 sa na Slovensku narodilo len 42-tis\u00edc \u017eiv\u00fdch det\u00ed, zatia\u013e \u010do zomrelo viac ako 53,5-tis\u00edca \u013eud\u00ed. Hrub\u00e1 miera p\u00f4rodnosti sa dostala na najni\u017e\u0161iu \u00farove\u0148 za posledn\u00fdch 100 rokov, ni\u017e\u0161iu dokonca ako po\u010das druhej svetovej vojny, ako informoval \u0160tatistick\u00fd \u00farad SR.<\/a><\/p>\n Ako vpl\u00fdva demografia na d\u00f4chodky?<\/p>\n Prv\u00fd pilier je priebe\u017en\u00fd syst\u00e9m. Dne\u0161n\u00ed pracuj\u00faci platia odvody dne\u0161n\u00fdm d\u00f4chodcom. \u010c\u00edm menej pracuj\u00facich, t\u00fdm menej pe\u0148az\u00ed v syst\u00e9me.<\/p>\n Pomer z\u00e1vislosti star\u0161\u00edch \u013eud\u00ed by v priebehu nasleduj\u00facich 25 rokov mal st\u00fapnu\u0165 z 28 na 53 percent, ako uv\u00e1dza Allianz DSS<\/a>. Dnes \u017eivia jedn\u00e9ho d\u00f4chodcu traja \u013eudia v produkt\u00edvnom veku, o \u0161tvr\u0165storo\u010die to bud\u00fa len dvaja.<\/p>\n Progn\u00f3za, ktor\u00fa dostanete v m\u00e1ji, s t\u00fdmto scen\u00e1rom nepo\u010d\u00edta. \u010c\u00edslo v ob\u00e1lke teda m\u00f4\u017ee vyzera\u0165 uspokojivo, no realita v \u010dase v\u00e1\u0161ho odchodu do d\u00f4chodku m\u00f4\u017ee by\u0165 in\u00e1.<\/p>\n D\u00f4chodok na Slovensku o p\u00e1r rokov. Zdroj: shutterstock.com\/fizkes<\/p>\n D\u00f4chodok z druh\u00e9ho piliera: In\u00e9 rizik\u00e1, in\u00e1 logika<\/p>\n Druh\u00fd pilier funguje odli\u0161ne, va\u0161e \u00faspory s\u00fa va\u0161e a z\u00e1visia od v\u00fdvoja finan\u010dn\u00fdch trhov, nie od po\u010dtu naroden\u00fdch det\u00ed. To ho rob\u00ed odolnej\u0161\u00edm vo\u010di demografii, no vystavuje ho trhov\u00fdm v\u00fdkyvom.<\/p>\n Ku koncu roka 2025 presiahol objem \u00faspor v druhom pilieri 19 mili\u00e1rd eur a po\u010det sporite\u013eov prekro\u010dil 2 mili\u00f3ny, ako uv\u00e1dza Asoci\u00e1cia d\u00f4chodkov\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed.<\/a> To s\u00fa siln\u00e9 \u010d\u00edsla.<\/p>\n No v\u00fdpis z d\u00f4chodkov\u00e9ho \u00fa\u010dtu pracuje s predpokladmi bud\u00faceho zhodnotenia, ktor\u00e9 sa nemusia naplni\u0165.<\/p>\n Progn\u00f3zy ni\u010d negarantuj\u00fa<\/p>\n Oba dokumenty, v\u00fdpis z DSS aj progn\u00f3za Soci\u00e1lnej pois\u0165ovne, s\u00fa teda len odhady, nie z\u00e1ruky. S\u00fa cenn\u00e9. Ale treba ich \u010d\u00edta\u0165 s chladnou hlavou.<\/p>\n \u010co s t\u00fdm m\u00f4\u017eete urobi\u0165 teraz<\/p>\n Nepr\u00edjemn\u00e9 \u010d\u00edslo v progn\u00f3ze nie je rozsudok. Je to varovanie a \u010d\u00edm sk\u00f4r ho dostanete, t\u00fdm viac \u010dasu m\u00e1te reagova\u0165.<\/p>\n Po roku 2026 bude Soci\u00e1lna pois\u0165ov\u0148a zasiela\u0165 d\u00f4chodkov\u00fa progn\u00f3zu poistencom mlad\u0161\u00edm ako 50 rokov ka\u017ed\u00fdch p\u00e4\u0165 rokov a poistencom star\u0161\u00edm ako 50 rokov ka\u017ed\u00fd rok.<\/p>\n D\u00f4chodok m\u00f4\u017ee Slov\u00e1kov nepr\u00edjemne prekvapi\u0165. Zdroj: shutterstock.com\/fizkes<\/p>\n Prv\u00fd krok: skontrolujte si \u00fadaje. Progn\u00f3za je presn\u00e1 len nato\u013eko, nako\u013eko s\u00fa presn\u00e9 d\u00e1ta, z ktor\u00fdch vych\u00e1dza. Ch\u00fdbaj\u00face obdobia poistenia, nespr\u00e1vne vymeriavacie z\u00e1klady, to v\u0161etko v\u00fdsledok skres\u013euje. Svoje z\u00e1znamy si m\u00f4\u017eete overi\u0165 v Elektronickom \u00fa\u010dte poistenca<\/a> na webe Soci\u00e1lnej pois\u0165ovne.<\/p>\n Druh\u00fd krok: ne\u010dakajte pas\u00edvne. Ak \u010d\u00edslo nazna\u010duje n\u00edzky d\u00f4chodok, zv\u00e1\u017ete vy\u0161\u0161\u00ed pr\u00edspevok do tretieho piliera, zmenu investi\u010dn\u00e9ho fondu v DSS alebo in\u00e9 formy dlhodob\u00e9ho sporenia.<\/p>\n D\u00f4chodok prest\u00e1va by\u0165 abstrakcia. St\u00e1va sa \u010d\u00edslom. A toto \u010d\u00edslo v\u00e1m \u0161t\u00e1t uk\u00e1\u017ee \u010doskoro, ale interpretova\u0165 ho spr\u00e1vne mus\u00edte vy sami.<\/p>\n","protected":false},"excerpt":{"rendered":"D\u00f4chodkov\u00e1 progn\u00f3za tento rok zmen\u00ed to, ako Slov\u00e1ci vn\u00edmaj\u00fa svoju starobu.Konkr\u00e9tne \u010d\u00edslo v ob\u00e1lke je mocn\u00fd n\u00e1stroj. Len…\n","protected":false},"author":2,"featured_media":55266,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[2951,66,43,536,40,44,39,42,45,41,696],"class_list":{"0":"post-55265","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-slovensko","8":"tag-dochodok","9":"tag-ekonomika","10":"tag-sk","11":"tag-slovaci","12":"tag-slovak","13":"tag-slovak-republic","14":"tag-slovakia","15":"tag-slovencina","16":"tag-slovenska-republika","17":"tag-slovensko","18":"tag-socialna-poistovna"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116478687627520370","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/55265","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=55265"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/55265\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/55266"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=55265"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=55265"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=55265"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"Bybit](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/04\/1777323613_548_bybit-baner-na-mobil.webp.webp\")
<\/a>![\"Bybit](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/04\/1777323613_146_bybit-baner-mobil.webp.webp\")
<\/a><\/p>\n![\"Nespoliehajte](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/04\/nespoliehajte-sa-na-statny-dochodok.webp.webp\")
<\/a><\/p>\n![\"D\u00f4chodok](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/04\/dochodok-na-slovensku-o-par-rokov.webp.webp\")
<\/a><\/p>\n![\"D\u00f4chodok](\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/04\/dochodok-moze-slovakov-neprijemne-prekvapit.webp.webp\")
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