{"id":98137,"date":"2022-11-28T10:01:18","date_gmt":"2022-11-28T09:01:18","guid":{"rendered":"https:\/\/atena.sk\/blog\/?p=98137"},"modified":"2023-04-17T14:21:25","modified_gmt":"2023-04-17T12:21:25","slug":"jednotny-europsky-dochodok","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/jednotny-europsky-dochodok\/","title":{"rendered":"Jednotn\u00fd eur\u00f3psky d\u00f4chodok"},"content":{"rendered":"\n<p>Ma\u0165 <a href=\"https:\/\/atena.org\">dobre platen\u00fa pr\u00e1cu<\/a> je podstatn\u00e9, a to je jeden z d\u00f4vodov, pre\u010do mnoh\u00ed z n\u00e1s pracovali vo viacer\u00fdch krajin\u00e1ch E\u00da. Ve\u013emi d\u00f4le\u017eit\u00e9 je aj <strong>spravovanie financi\u00ed.<\/strong> V\u0161etci to vieme a sna\u017e\u00edme sa vytv\u00e1ra\u0165 si finan\u010dn\u00fa rezervu, sledova\u0165 svoje v\u00fddavky a vyh\u00fdba\u0165 sa zbyto\u010dn\u00fdm n\u00e1kupom. Ako \u010dasto v\u0161ak mysl\u00edme na d\u00f4chodok a v akom veku by sme mali za\u010da\u0165? A hlavne, ako rie\u0161ime ot\u00e1zky spojen\u00e9 s odchodom do d\u00f4chodku, ke\u010f sme pracovali vo <strong>viacer\u00fdch krajin\u00e1ch<\/strong>?<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Demografick\u00e1 kr\u00edza v Eur\u00f3pe nie je v skuto\u010dnosti ni\u010d\u00edm nov\u00fdm &#8211; za\u010dala sa pribli\u017ene <strong>pred 50 rokmi.<\/strong> A ke\u010f sa to skombinuje so starnut\u00edm popul\u00e1cie, probl\u00e9m sa st\u00e1va e\u0161te v\u00e4\u010d\u0161\u00edm. Jednoducho povedan\u00e9, \u0161t\u00e1tny d\u00f4chodkov\u00fd syst\u00e9m a zamestnaneck\u00e9 d\u00f4chodky (1. a 2. pilier) s\u00fa financovan\u00e9 z dan\u00ed, ktor\u00e9 platia zamestnan\u00ed \u013eudia a zamestn\u00e1vatelia. A ke\u010f\u017ee je menej pracuj\u00facich a viac obyvate\u013eov odch\u00e1dza do d\u00f4chodku, syst\u00e9m u\u017e nefunguje tak, ako by mal.<\/p>\n\n\n\n<p>Samozrejme, ke\u010f pr\u00edde \u010das, budeme chcie\u0165 vyu\u017ei\u0165 v\u00fdhody 1. a 2. piliera. <a href=\"https:\/\/atena.sk\/blog\/odchod-do-dochodku-v-eu\/\">Tu<\/a> sa dozviete, ako m\u00f4\u017eete z\u00edska\u0165 d\u00f4chodok, ak ste pracovali vo viac ako jednej krajine E\u00da. Bohu\u017eia\u013e, tieto fondy nemusia sta\u010di\u0165 na pokrytie na\u0161ich potrieb v d\u00f4sledku demografickej kr\u00edzy. A kv\u00f4li infl\u00e1cii nie je ani ukladanie pe\u0148az\u00ed pod vank\u00fa\u0161 z\u010faleka ide\u00e1lne. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je investovanie na vlastn\u00fa p\u00e4s\u0165 dobrou vo\u013ebou?<\/h2>\n\n\n\n<p>Finan\u010dne najv\u00fdhodnej\u0161\u00edm sp\u00f4sobom sporenia je investovanie. \u017dia\u013e, investovanie so sebou prin\u00e1\u0161a aj <strong>rizik\u00e1<\/strong>. T\u00fdm zjavn\u00fdm je, \u017ee cena produktu alebo akci\u00ed, do ktor\u00fdch investujete, m\u00f4\u017ee prudko klesn\u00fa\u0165. Od roku 1987 sa akciov\u00fd trh zr\u00fatil <strong>sedemkr\u00e1t<\/strong> a intervaly medzi t\u00fdmito prepadmi s\u00fa \u010doraz krat\u0161ie. Navy\u0161e, vzh\u013eadom na s\u00fa\u010dasn\u00fa hospod\u00e1rsku situ\u00e1ciu v E\u00da nikdy nem\u00f4\u017eete vedie\u0165, \u010di platforma, ktor\u00fa pou\u017e\u00edvate na obchodovanie, nevyhl\u00e1si <strong>bankrot<\/strong> a jej akt\u00edva (spolu s va\u0161imi peniazmi) nebud\u00fa zmrazen\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. pilier alebo doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie<\/h2>\n\n\n\n<p>V mnoh\u00fdch, ak nie vo v\u00e4\u010d\u0161ine kraj\u00edn E\u00da existuje syst\u00e9m <strong>doplnkov\u00e9ho d\u00f4chodkov\u00e9ho sporenia<\/strong>. A\u017e na nieko\u013eko v\u00fdnimiek je dobrovo\u013en\u00fd. A v podstate funguje ako sporiaci \u00fa\u010det. Ak sa do tak\u00e9hoto syst\u00e9me zaregistrujete, ka\u017ed\u00fd mesiac v\u00e1m na sporenie putuje mal\u00e1 \u010diastka z v\u00e1\u0161ho platu. T\u00fdmto sp\u00f4sobom si bez toho, aby ste sa pr\u00edli\u0161 obetovali, zabezpe\u010d\u00edte, \u017ee po odchode do d\u00f4chodku budete ma\u0165 dostatok financi\u00ed. Na rozdiel od investovania je to ove\u013ea <strong>bezpe\u010dnej\u0161ie<\/strong>, a preto je to najlogickej\u0161ia vo\u013eba.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-scaled.jpeg\"><img decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"684\" src=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-1024x684.jpeg\" alt=\"\" class=\"wp-image-98194\" srcset=\"https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-200x134.jpeg 200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-300x200.jpeg 300w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-400x267.jpeg 400w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-600x401.jpeg 600w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-768x513.jpeg 768w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-800x534.jpeg 800w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-1024x684.jpeg 1024w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-1200x801.jpeg 1200w, https:\/\/atena.sk\/blog\/wp-content\/uploads\/2022\/11\/retired2-2-1536x1025.jpeg 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa stane s moj\u00edm doplnkov\u00fdm d\u00f4chodkov\u00fdm sporen\u00edm, ak sa pres\u0165ahujem do inej krajiny E\u00da?<\/h2>\n\n\n\n<p>Po prv\u00e9, nemali by ste sa ob\u00e1va\u0165 prihl\u00e1senia sa na doplnkov\u00fd d\u00f4chodok, ani ke\u010f sa mo\u017eno pres\u0165ahujete do inej krajiny. Hoci pravidl\u00e1 a predpisy s\u00fa mierne odli\u0161n\u00e9. Vo v\u00e4\u010d\u0161ine pr\u00edpadov v\u0161ak m\u00e1te nieko\u013eko mo\u017enost\u00ed. Mnoh\u00e9 krajiny pon\u00fakaj\u00fa pred\u010dasn\u00fd v\u00fdber, prevod alebo in\u00e9 alternat\u00edvy, \u010do znamen\u00e1, \u017ee je najlep\u0161ie prihl\u00e1si\u0165 sa \u010do najsk\u00f4r, \u010do povedie k vy\u0161\u0161iemu d\u00f4chodku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Paneur\u00f3psky osobn\u00fd d\u00f4chodok (PEPP)<\/h2>\n\n\n\n<p>Pohyb os\u00f4b medzi krajinami E\u00da je neuverite\u013ene vysok\u00fd. Vzh\u013eadom na to, \u017ee pred\u010dasn\u00fd v\u00fdber alebo presun d\u00f4chodkov\u00fdch \u00faspor do inej krajiny je komplikovan\u00fd, bol zaveden\u00fd PEPP. Pon\u00faka v\u0161etko, \u010do \u0161tandardn\u00fd 3. pilier &#8211; alebo dokonca aj viac, pri\u010dom rie\u0161i probl\u00e9m mobility. Pri PEPP <strong>nie je potrebn\u00fd presun<\/strong>, preto\u017ee \u010dlovek m\u00f4\u017ee investova\u0165 presne do toho ist\u00e9ho produktu, ako investoval aj po pres\u0165ahovan\u00ed sa.<\/p>\n\n\n\n<p>PEPP dop\u013a\u0148a existuj\u00face vn\u00fatro\u0161t\u00e1tne d\u00f4chodkov\u00e9 syst\u00e9my a pon\u00faka mnoho v\u00fdhod, ako napr\u00edklad <strong>transparentnos\u0165 a ochranu investovan\u00e9ho kapit\u00e1lu.<\/strong> Transparentnos\u0165 sa dosahuje poskytovan\u00edm relevantn\u00fdch inform\u00e1ci\u00ed, ako aj n\u00e1kladov, poplatkov a pravideln\u00fdch v\u00fdpisov.<\/p>\n\n\n\n<p>Bud\u00fa ho pon\u00faka\u0165 finan\u010dn\u00e9 in\u0161tit\u00facie, ako s\u00fa investi\u010dn\u00e9 spolo\u010dnosti, \u00faverov\u00e9 in\u0161tit\u00facie, in\u0161tit\u00facie zamestnaneck\u00e9ho d\u00f4chodkov\u00e9ho zabezpe\u010denia a in\u00e9. Na zabezpe\u010denie bezpe\u010dnosti financi\u00ed v\u0161ak bud\u00fa tieto in\u0161tit\u00facie potrebova\u0165 <strong>licenciu<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ako na to reaguje Atena? <\/h2>\n\n\n\n<p>Ak sa nad t\u00fdm zamysl\u00edte, najjednoduch\u0161\u00edm sp\u00f4sobom, ako vyrie\u0161i\u0165 ot\u00e1zku odchodu do d\u00f4chodku a ma\u0165 dostatok prostriedkov na investovanie do doplnkov\u00e9ho sporenia, je, aby zamestn\u00e1vatelia platili svojim zamestnancom viac. Presne to rob\u00edme. Ka\u017ed\u00fd \u0161tvr\u0165rok prehodnocujeme platy zdravotn\u00edckych pracovn\u00edkov, ktor\u00ed u n\u00e1s pracuj\u00fa, \u010do vedie k ich nieko\u013ekon\u00e1sobn\u00e9mu zv\u00fd\u0161eniu ro\u010dne! A na\u0161e slu\u017eby sa t\u00fdm nekon\u010dia. Kedyko\u013evek n\u00e1\u0161 klient potrebuje inform\u00e1cie, pomoc alebo radu v oblasti d\u00f4chodkov\u00e9ho zabezpe\u010denia alebo d\u00f4chodku &#8211; bez oh\u013eadu na to, \u010di ide o \u0161tandardn\u00e9 alebo doplnkov\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie, sme v\u017edy pripraven\u00ed pom\u00f4c\u0165. <\/p>\n\n\n\n<p>Ak to zhrnieme, nie je lep\u0161\u00ed \u010das za\u010da\u0165 odklada\u0165 peniaze na doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie ako teraz. S\u0165ahovanie do inej krajiny E\u00da u\u017e nezasahuje do v\u00e1\u0161ho d\u00f4chodku a m\u00e1te mo\u017enos\u0165 slobodne vycestova\u0165 &#8211; bez oh\u013eadu na to, \u010di chcete len za\u010da\u0165 odznova alebo si h\u013ead\u00e1te <a href=\"https:\/\/atena.org\">lep\u0161iu pr\u00e1cu<\/a>.<\/p>\n\n\n\n<p>U\u017e investujete do doplnkov\u00e9ho d\u00f4chodku? Ak nie, pl\u00e1nujete za\u010da\u0165? Pode\u013ete sa s nami o svoje pl\u00e1novanie d\u00f4chodku v koment\u00e1ri ni\u017e\u0161ie.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Odchod do d\u00f4chodku bol pre E\u00da za posledn\u00fdch 50 rokoch \u0165a\u017ekou t\u00e9mou. Hlavn\u00fdmi d\u00f4vodmi s\u00fa demografick\u00e1 kr\u00edza, starnutie obyvate\u013estva a infl\u00e1cia. Tento probl\u00e9m v\u0161ak m\u00f4\u017ee vyrie\u0161i\u0165 doplnkov\u00fd d\u00f4chodok. S nov\u00fdm paneur\u00f3pskym osobn\u00fdm d\u00f4chodkom to nikdy nebolo jednoduch\u0161ie, bez oh\u013eadu na to, v ko\u013ek\u00fdch krajin\u00e1ch E\u00da ste \u017eili alebo budete \u017ei\u0165. <\/p>\n","protected":false},"author":20,"featured_media":98222,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,55,75],"tags":[],"acf":{"facebookpost":"Mysl\u00edte si, \u017ee z\u00e1kladn\u00fd d\u00f4chodok bude sta\u010di\u0165 na pokrytie va\u0161ich potrieb? Pri s\u00fa\u010dasnej infl\u00e1cii a starnut\u00ed obyvate\u013estva ?\u200d? pravdepodobne nie. Bez oh\u013eadu na to, v ko\u013ek\u00fdch krajin\u00e1ch E\u00da ?? ste pracovali a v ktorej pl\u00e1nujete od\u00eds\u0165 do d\u00f4chodku, existuje rie\u0161enie. Doplnkov\u00fd d\u00f4chodok m\u00f4\u017ee pokry\u0165 va\u0161e finan\u010dn\u00e9 potreby. \r\n#atenablog","popis_socialneho_obrazku":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jednotn\u00fd eur\u00f3psky d\u00f4chodok - Atena blog<\/title>\n<meta name=\"description\" content=\"Vzh\u013eadom na demografick\u00fa kr\u00edzu a starnutie obyvate\u013estva sa m\u00f4\u017ee sta\u0165, \u017ee \u013eu\u010fom nebude sta\u010di\u0165 d\u00f4chodok. 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