{"id":61578,"date":"2026-05-05T07:01:07","date_gmt":"2026-05-05T07:01:07","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/61578\/"},"modified":"2026-05-05T07:01:07","modified_gmt":"2026-05-05T07:01:07","slug":"slovaci-prekonali-hodnotu-20-miliard-v-druhom-pilieri","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/61578\/","title":{"rendered":"Slov\u00e1ci prekonali hodnotu 20 mili\u00e1rd v druhom pilieri"},"content":{"rendered":"

\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU<\/p>\n

Druh\u00fd pilier dosiahol m\u00ed\u013enik, ktor\u00fd e\u0161te pred p\u00e1r rokmi p\u00f4sobil mimoriadne vzdialene. V apr\u00edli 2026 objem \u00faspor Slov\u00e1kov prv\u00fdkr\u00e1t prekro\u010dil hranicu 20 mili\u00e1rd eur. K\u00fdm na prv\u00fdch 10 mili\u00e1rd potreboval syst\u00e9m p\u00e4tn\u00e1s\u0165 rokov, druh\u00fdch 10 mili\u00e1rd pribudlo u\u017e za \u0161es\u0165 rokov. Za rastom stoja pravideln\u00e9 pr\u00edspevky sporite\u013eov, lep\u0161ie zhodnotenie fondov aj nov\u00ed \u00fa\u010dastn\u00edci sporenia.<\/p>\n

Dobr\u00e1 spr\u00e1va m\u00e1 v\u0161ak aj odvr\u00e1ten\u00fa stranu. Slovensko starne<\/a>, po\u010det pracuj\u00facich na jedn\u00e9ho d\u00f4chodcu kles\u00e1 a spolieha\u0165 sa iba na \u0161t\u00e1t bude \u010doraz riskantnej\u0161ie. Druh\u00fd pilier preto u\u017e nie je len \u201enejak\u00e9 d\u00f4chodkov\u00e9 sporenie\u201c, ktor\u00e9 be\u017e\u00ed na pozad\u00ed. Pre mnoh\u00fdch \u013eud\u00ed m\u00f4\u017ee rozhodn\u00fa\u0165 o tom, ako bud\u00fa v starobe \u017ei\u0165.<\/p>\n

D\u00f4chodkov\u00fd pilier prekonal hranicu 20 mili\u00e1rd eur<\/p>\n

Za rastom druh\u00e9ho d\u00f4chodkov\u00e9ho piliera stoja tri faktory:<\/p>\n

pravideln\u00e9 pr\u00edspevky sporite\u013eov,
\nzhodnotenie ich \u00faspor
\na pr\u00edlev nov\u00fdch \u00fa\u010dastn\u00edkov.<\/p>\n

Druh\u00fd pilier dnes zdru\u017euje viac ako dva mili\u00f3ny sporite\u013eov, \u010do predstavuje 80 % v\u0161etk\u00fdch pracuj\u00facich na Slovensku. Ro\u010dne pribudne v priemere 70-tis\u00edc nov\u00fdch \u00fa\u010dastn\u00edkov a od roku 2015 plat\u00ed tento trend bez preru\u0161enia. V\u00e4\u010d\u0161ina z t\u00fdch, ktor\u00ed vst\u00fapili do syst\u00e9mu v posledn\u00fdch troch rokoch, tak urobila automaticky.<\/p>\n

Peniaze Slov\u00e1kov putuj\u00fa do fondov<\/p>\n

V\u00fdrazn\u00fd vplyv na dynamiku rastu m\u00e1 aj predvolen\u00e1 investi\u010dn\u00e1 strat\u00e9gia zaveden\u00e1 v druhom pilieri \u2013 v\u010faka presunu sporite\u013eov dnes do indexov\u00fdch fondov smeruje viac ako 80 % \u00faspor.<\/p>\n

\u201eNa konci apr\u00edla 2026 zaznamenali akciov\u00e9 indexy v USA historick\u00e9 maxim\u00e1 a tie eur\u00f3pske sa k nim pribl\u00ed\u017eili, a to aj napriek zv\u00fd\u0161en\u00fdm geopolitick\u00fdm rizik\u00e1m. Tento v\u00fdvoj n\u00e1sledne potiahol smerom nahor objem majetku v indexov\u00fdch aj ostatn\u00fdch negarantovan\u00fdch fondoch,\u201c vysvet\u013euje Miroslav Kotov, predseda Asoci\u00e1cie d\u00f4chodkov\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed<\/a>.<\/p>\n

Odborn\u00edk z\u00e1rove\u0148 pripom\u00edna, \u017ee hodnota \u00faspor v druhom pilieri ner\u0430stie len jedn\u00fdm smerom \u2013 m\u00f4\u017ee aj kol\u00edsa\u0165. Ilustruje to v\u00fdvoj z apr\u00edla minul\u00e9ho roka, ke\u010f prudk\u00fd prepad akciov\u00fdch trhov stla\u010dil celkov\u00fd objem majetku pod 16 mili\u00e1rd eur. N\u00e1sledn\u00e9 r\u00fdchle o\u017eivenie v\u0161ak uk\u00e1zalo, \u017ee panick\u00e1 reakcia nie je na mieste a dlhodobo zvolen\u00e9 rozlo\u017eenie \u00faspor sa oplat\u00ed dodr\u017eiava\u0165.<\/p>\n

\"majetok,\"majetok,zdroj: ADSSBude\u0161 potrebova\u0165 najm\u00e4 vlastn\u00e9 \u00faspory<\/p>\n

Na pozad\u00ed priazniv\u00fdch \u010d\u00edsel sa v\u0161ak zhor\u0161uje demografick\u00e1 situ\u00e1cia v krajine. V d\u00f4chodkovom veku sa tak vlastn\u00e9 \u00faspory bud\u00fa st\u00e1va\u0165 \u010doraz d\u00f4le\u017eitej\u0161\u00edm zdrojom pr\u00edjmu. Druh\u00fd pilier umo\u017e\u0148uje okrem povinn\u00fdch pr\u00edspevkov aj dobrovo\u013en\u00e9 sporenie \u2013 s rovnak\u00fdmi v\u00fdhodami, ako s\u00fa ochrana \u00faspor a n\u00edzke poplatky. Dobrovo\u013en\u00e9 pr\u00edspevky s\u00fa evidovan\u00e9 na samostatnom pod\u00fa\u010dte oddelene od povinnej \u010dasti.<\/p>\n

Z celkov\u00fdch 18-percentn\u00fdch povinn\u00fdch odvodov na d\u00f4chodkov\u00e9 poistenie putuj\u00fa 4 % na osobn\u00fd \u00fa\u010det sporite\u013ea v DSS, zvy\u0161n\u00fdch 14 % zost\u00e1va v Soci\u00e1lnej pois\u0165ovni. Vstup do druh\u00e9ho piliera prebieha automaticky s\u00fa\u010dasne so za\u010diatkom pracovn\u00e9ho pomeru, pri\u010dom do dvoch rokov m\u00e1 sporite\u013e mo\u017enos\u0165 rozhodn\u00fa\u0165 sa, \u010di v syst\u00e9me zostane. Dobrovo\u013ene m\u00f4\u017eu do druh\u00e9ho piliera vst\u00fapi\u0165 osoby do 40 rokov.<\/p>\n

Z\u00e1ujem rastie, v\u00fdzva zost\u00e1va<\/p>\n

Druh\u00fd pilier dnes spravuje miliardy eur a zap\u00e1ja v\u00e4\u010d\u0161inu pracuj\u00facich. To je siln\u00fd sign\u00e1l, \u017ee \u013eudia myslia na bud\u00facnos\u0165. Z\u00e1rove\u0148 v\u0161ak plat\u00ed, \u017ee bez akt\u00edvneho pr\u00edstupu \u2013 sledovania fondov, pr\u00edpadn\u00e9ho prestupu \u010di dobrovo\u013en\u00fdch pr\u00edspevkov \u2013 m\u00f4\u017ee by\u0165 v\u00fdsledok skromn\u00fd. D\u00f4chodkov\u00fd syst\u00e9m sa postupne men\u00ed z modelu \u201e\u0161t\u00e1t sa postar\u00e1\u201c na model \u201epostaraj sa aj s\u00e1m\u201c. A pr\u00e1ve v tom spo\u010d\u00edva najv\u00e4\u010d\u0161ia v\u00fdzva pre mlad\u00fa gener\u00e1ciu.<\/p>\n

Pod\u013ea analytika Finportalu, Mateja Bajz\u00edka je opieranie sa o slovensk\u00fd d\u00f4chodkov\u00fd syst\u00e9m nespo\u013eahliv\u00e9: \u201eRe\u00e1lny stav d\u00f4chodkov na Slovensku je dnes nap\u00e4t\u00fd a zranite\u013en\u00fd. Koncepcia d\u00f4chodkov\u00e9ho syst\u00e9mu m\u00e1 pribli\u017ene 70 rokov, \u010do nie je ve\u013ea a st\u00e1le je to pre n\u00e1s relat\u00edvne nov\u00e9 a u\u010d\u00edme sa ho prisp\u00f4sobova\u0165 a inovova\u0165. Aktu\u00e1lne sa v\u0161ak dost\u00e1vame k zlomov\u00e9mu bodu a prv\u00fdm re\u00e1lnym probl\u00e9mom.<\/p>\n

\t\t\t\tV \u010dl\u00e1nku sa po odomknut\u00ed dozvie\u0161<\/p>\n

Ko\u013eko pe\u0148az\u00ed dostane\u0161 vyplaten\u00fdch v druhom pilieri?
\nKedy je ide\u00e1lny \u010das na za\u010diatok d\u00f4chodkov\u00e9ho sporenia?\u00a0
\n\u010co robi\u0165, ak som \u0161etrenie na d\u00f4chodok dlhodobo nerie\u0161il?
\nAkej najv\u00e4\u010d\u0161ej chyby sa Slov\u00e1ci dop\u00fa\u0161\u0165aj\u00fa, ke\u010f si sporia na d\u00f4chodok?<\/p>\n

Po odomknut\u00ed tie\u017e z\u00edska\u0161<\/p>\n

\t\t\t\t\t\t\u010cl\u00e1nky bez rekl\u00e1m
\n\t\t\t\t\t\tNeobmedzen\u00fd pr\u00edstup k viac ako 75\u00a0000 \u010dl\u00e1nkom
\n\t\t\t\t\t\tExkluz\u00edvne benefity<\/p>\n

\n\t\t\t\t\t\u010c\u00edtaj viac z kateg\u00f3rie: Ekonomika<\/a>\n\t\t\t\t<\/p>\n

\t\t\t Zdroj: ADSS<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU Druh\u00fd pilier dosiahol m\u00ed\u013enik, ktor\u00fd e\u0161te pred p\u00e1r rokmi p\u00f4sobil mimoriadne vzdialene. V apr\u00edli…\n","protected":false},"author":2,"featured_media":61579,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[24189,24190,64,2951,24191,65,66,43,40,39,42,41],"class_list":{"0":"post-61578","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomika","8":"tag-ako-vybavit-dochodok","9":"tag-aky-bude-dochodok","10":"tag-business","11":"tag-dochodok","12":"tag-dochodok-na-slovensku","13":"tag-economic","14":"tag-ekonomika","15":"tag-sk","16":"tag-slovak","17":"tag-slovakia","18":"tag-slovencina","19":"tag-slovensko"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116520687152196881","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/61578","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=61578"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/61578\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/61579"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=61578"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=61578"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=61578"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}