[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.benavia.sk\/co-by-ste-mali-vediet-o-druhom-pilieri\/#Article","mainEntityOfPage":"https:\/\/www.benavia.sk\/co-by-ste-mali-vediet-o-druhom-pilieri\/","headline":"\u010co by ste mali vedie\u0165 o druhom pilieri?","name":"\u010co by ste mali vedie\u0165 o druhom pilieri?","description":"Pr\u00e1ve v \u010dase kedy za\u017e\u00edvame na vlastnej ko\u017ei vysok\u00fa mieru infl\u00e1cie, je ten najvy\u0161\u0161\u00ed \u010das zabezpe\u010di\u0165 si d\u00f4chodkov\u00e9 sporenie. D\u00f4chodkov\u00e9 sporenie predstavuje 1. pilier, ktor\u00fd je vypl\u00e1can\u00fd soci\u00e1lnou pois\u0165ov\u0148ou. Prisl\u00facha ka\u017ed\u00e9mu ob\u010danovi po dosiahnut\u00ed d\u00f4chodkov\u00e9ho veku. \u010co viete o prvom a druhom pilieri? Prv\u00fd pilier d\u00f4chodkov\u00e9ho zabezpe\u010denia je spravidla financovan\u00fd zo \u0161t\u00e1tneho rozpo\u010dtu. \u0160t\u00e1tny rozpo\u010det […]","datePublished":"2022-09-17","dateModified":"2022-09-17","author":{"@type":"Person","@id":"https:\/\/www.benavia.sk\/author\/#Person","name":"","url":"https:\/\/www.benavia.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c61c2d82e330ff9c70cf023b4c62d411e8407bcb38f85df591fa270717754b44?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c61c2d82e330ff9c70cf023b4c62d411e8407bcb38f85df591fa270717754b44?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"benavia.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.benavia.sk\/wp-content\/uploads\/money-g6df35a20d_1920.jpg","url":"https:\/\/www.benavia.sk\/wp-content\/uploads\/money-g6df35a20d_1920.jpg","height":0,"width":0},"url":"https:\/\/www.benavia.sk\/co-by-ste-mali-vediet-o-druhom-pilieri\/","about":["Produkty"],"wordCount":436,"articleBody":"   Pr\u00e1ve v \u010dase kedy za\u017e\u00edvame na vlastnej ko\u017ei vysok\u00fa mieru infl\u00e1cie, je ten najvy\u0161\u0161\u00ed \u010das zabezpe\u010di\u0165 si d\u00f4chodkov\u00e9 sporenie. D\u00f4chodkov\u00e9 sporenie predstavuje 1. pilier, ktor\u00fd je vypl\u00e1can\u00fd soci\u00e1lnou pois\u0165ov\u0148ou. Prisl\u00facha ka\u017ed\u00e9mu ob\u010danovi po dosiahnut\u00ed d\u00f4chodkov\u00e9ho veku. \u010co viete o prvom a druhom pilieri?Prv\u00fd pilier d\u00f4chodkov\u00e9ho zabezpe\u010denia je spravidla financovan\u00fd zo \u0161t\u00e1tneho rozpo\u010dtu. \u0160t\u00e1tny rozpo\u010det predstavuj\u00fa finan\u010dn\u00e9 prostriedky, ktor\u00e9 sa zbieraj\u00fa z pr\u00edjmov pracuj\u00facich a ostatn\u00fdch \u0161t\u00e1tnych dan\u00ed. V\u00fd\u0161ka d\u00f4chodkov je vo ve\u013ekej  http:\/\/referaty.aktuality.sk\/velka-morava\/referat-27224 miere ovplyv\u0148ovan\u00e1 s\u00fa\u010dasnou zamestnanos\u0165ou, respekt\u00edve nezamestnanos\u0165ou v krajine ako aj celkovou demografiou. Kedy v\u00e1m vznik\u00e1 n\u00e1rok na starobn\u00fd d\u00f4chodok? Po pravde, vek ur\u010duj\u00faci n\u00e1rok na poberanie starobn\u00e9ho d\u00f4chodku, sa bohu\u017eia\u013e, st\u00e1le zvy\u0161uje. Zatia\u013e \u010do za rok 2022 je d\u00f4chodkov\u00fd vek od 63 rokov, od roku 2023 to bude 63 rokov a 2 mesiace. D\u00f4chodkov\u00fd vek sa v\u0161ak skracuje po\u010dtom det\u00ed. To znamen\u00e1, \u017ee ak ste napr\u00edklad matkou troch det\u00ed, n\u00e1rok na starobn\u00fd d\u00f4chodok v\u00e1m vznik\u00e1 od 61 rokov a 6 mesiacov. (za rok 2022) V podstate, ka\u017ed\u00fdm naroden\u00fdm die\u0165a\u0165om sa v\u00e1m zni\u017euje vek potrebn\u00fd na poberanie d\u00f4chodku o pol roka. Z d\u00f4chodkov\u00e9ho zabezpe\u010denia (1. pilier) v\u00e1m odch\u00e1dzaj\u00fa odvody do soci\u00e1lnej pois\u0165ovni. Za rok 2022 a aj bud\u00faci rok to bude 18% zo sumy d\u00f4chodku. Ak ste sa v\u0161ak zaregistrovali a vst\u00fapili aj do 2. piliera, teda do d\u00f4chodkov\u00e9ho sporenia, odvody sa v\u00e1m odv\u00e1dzaj\u00fa za tento vo v\u00fd\u0161ke 12% a nasleduj\u00faci rok vo v\u00fd\u0161ke 12,25%. Prv\u00fd pilier sa riadi jednoduch\u00fdm princ\u00edpom, a to, \u017ee ak ste v minulosti dobre zar\u00e1bali v\u00fd\u0161ka v\u00e1\u0161ho d\u00f4chodku bude ni\u017e\u0161ia, ako pre t\u00fdch ktor\u00ed nepracovali v\u00f4bec alebo zar\u00e1bali menej. Tak\u017ee druhej skupine \u013eud\u00ed ur\u010dit\u00e9 percento prid\u00e1. Zatia\u013e \u010do t\u00fdm, ktor\u00ed zar\u00e1bali napr\u00edklad trojn\u00e1sobok priemernej mzdy, tak t\u00fdm z d\u00f4chodku poriadne uberie. Aj preto sa mu hovor\u00ed, \u017ee je solid\u00e1rny.Druh\u00fd pilier predstavuje s\u00fakromn\u00e9 d\u00f4chodkov\u00e9 sporiace zabezpe\u010denie. Ak patr\u00edte do 1. aj do 2. piliera, \u010das\u0165 odvodov do soci\u00e1lnej pois\u0165ovne, ktor\u00e1 sa v\u00e1m odv\u00e1dza z d\u00f4chodku, ide 5,5% pr\u00e1ve do tohto d\u00f4chodkov\u00e9ho sporenia.Zmluvu o d\u00f4chodku a ostatn\u00e9 inform\u00e1cie n\u00e1jdete na Zmluva o d\u00f4chodku Ezmluva.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010co by ste mali vedie\u0165 o druhom pilieri?","item":"https:\/\/www.benavia.sk\/co-by-ste-mali-vediet-o-druhom-pilieri\/#breadcrumbitem"}]}]