{"id":17768,"date":"2012-11-30T12:38:12","date_gmt":"2012-11-30T14:38:12","guid":{"rendered":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/"},"modified":"2012-11-30T12:38:12","modified_gmt":"2012-11-30T14:38:12","slug":"finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos","status":"publish","type":"post","link":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/","title":{"rendered":"Finans\u0173 instituto Lietuvoje vadov\u0117 O.Blo\u017eien\u0117: trys pensij\u0173 dilemos"},"content":{"rendered":"

\"SG100013\"<\/a>Pra\u0117jusi\u0105 savait\u0119 patvirtintos pensij\u0173 sistemos reformos \u012fstatymo pataisos su priva\u010diais antros pakopos pensij\u0173 fondais sutartis sudariusiems gyventojams atne\u0161\u0117 tris dilemas. <\/strong><\/p>\n

Nuo \u0161iol jie gali pasirinkti: A – gr\u012f\u017eti \u012f Sodr\u0105, t.y., sustabdyti nauj\u0173 pensij\u0173 \u012fmok\u0173 pervedimus \u012f pasirinkt\u0105 pensij\u0173 fond\u0105; B – nieko nekeisti; C \u2013 negr\u012f\u017eti \u012f Sodr\u0105 ir pasirinkti papildom\u0105 kaupim\u0105. Tad kur\u012f variant\u0105 der\u0117t\u0173 pasirinkti? O gal \u012f visas alternatyvas neverta kreipti d\u0117mesio?<\/strong><\/p>\n

Pastar\u0105j\u012f variant\u0105 \u2013 nekreipti d\u0117mesio – si\u016bly\u010diau i\u0161kart atmesti. Vidutini\u0161kai pensija Lietuvoje sudaro kiek ma\u017eiau nei pus\u0119 vidutinio darbo u\u017emokes\u010dio (paskai\u010diuota, jog kokybi\u0161kam gyvenimui senjorai tur\u0117t\u0173 gauti bent du tre\u010ddalius buvusi\u0173 pajam\u0173), did\u017eioji dalis \u2013 80 proc. pensijos \u2013 i\u0161leid\u017eiama tik b\u016btinosioms reikm\u0117ms, o tre\u010ddal\u012f senjor\u0173 finansi\u0161kai remia artimieji. \u012evertinus ir spar\u010dias visuomen\u0117s sen\u0117jimo tendencijas, tampa ai\u0161ku, kad likti abejingais savo pensijos at\u017evilgiu negalima.<\/p>\n

R\u016bpinantis savo ateitimi, netinkamas ir A variantas<\/strong>, kur\u012f pasirinkus nuo 2013 m. baland\u017eio 1 d. iki rugs\u0117jo 1 d. pensij\u0173 sistemos dalyvis gal\u0117s viena\u0161ali\u0161kai sustabdyti pensij\u0173 \u012fmok\u0173 pervedim\u0105 \u012f pensij\u0173 fond\u0105, apie tai ra\u0161tu informav\u0119s pensij\u0173 kaupimo bendrov\u0119. Tokiu atveju lig \u0161iol sukaupta suma priva\u010diuose fonduose likt\u0173 iki pensijos arba pensijos fondo savininko mirties ir atitekt\u0173 paveld\u0117tojams. Ta\u010diau, gera \u017einia ta, jog persigalvojus, paliekama galimyb\u0117 sugr\u012f\u017eti \u012f II pensij\u0173 pakop\u0105 – tik ne anks\u010diau kaip 2014 m. sausio 1 d.<\/p>\n

\"IMG<\/a>Pasirinkusieji variant\u0105 B<\/strong> u\u017esitikrins, kad kaip ir iki \u0161iol \u012f pasirinkt\u0105 pensij\u0173 fond\u0105 bus pervedama tik atitinkamiems kalendoriniams metams patvirtinta valstybinio socialinio draudimo \u012fmokos dalis. \u0160iais metais \u0161i dalis siek\u0117 1.5 proc., o 2013 m. ji bus didinama iki 2.5 proc. Nuo 2014 m. pensij\u0173 \u012fmokos dydis bus 2 proc., 2020-aisiais pasieks 3.5 proc. dalyvio pajam\u0173 dyd\u017eio.<\/p>\n

\u201eSwedbank\u201c Asmenini\u0173 finans\u0173 instituto ekspert\u0173 skai\u010diavimais, 2011 m. vidutin\u012f darbo u\u017emokest\u012f \u2013 2046 Lt\/m\u0117n. neatskai\u010dius mokes\u010di\u0173, gaunantis, II pensij\u0173 sistemos pakopoje kaupiantis \u0161alies gyventojas, savo pensijos fond\u0105 kas m\u0117nes\u012f papild\u0117 (o tiksliau tariant, u\u017e j\u012f tai padar\u0117 Sodra) \u2013 31 Lt.<\/p>\n

\u012evertinus \u201eSwedbank\u201c prognozes apie vidutinio darbo u\u017emokes\u010dio augim\u0105 bei Seimo numatytus anks\u010diau aptartus valstybinio socialinio draudimo \u012fmokos dalies dyd\u017eius, galima teigti, kad 2013 m. \u0161i suma i\u0161augs iki 54.80 Lt, 2014 m. suma\u017e\u0117s iki 45.38 Lt, o 2020 m. pasieks 96.64 Lt per m\u0117nes\u012f. I\u0161 pirmo \u017evilgsnio sumos nema\u017eos, ta\u010diau B varianto pasirinkimas neu\u017etikrina finansi\u0161kai apr\u016bpintos pensijos.<\/p>\n

Tarkime, jog m\u016bs\u0173 jau min\u0117tas vidutin\u012f darbo u\u017emokest\u012f gaunantis lietuvis pradeda kaupti keturiasde\u0161imties. Tokiu atveju iki pensijos jis sukaups apie 46 t\u016bkst. Lt. Darant prielaid\u0105, jog pensijoje jis gyvens 20 met\u0173, m\u0117nesiui tenkanti sukaupta suma sudaro tik 191 Lt.<\/p>\n

Did\u017eiausia pensij\u0173 sistemos Lietuvoje naujov\u0117 yra variantas C<\/strong>. Jo i\u0161skirtinumas \u2013 papildoma pensij\u0173 \u012fmoka, kuri\u0105 pensijos fondo savininkas mok\u0117s savo l\u0117\u0161omis. Vis d\u0117lto papildom\u0105 \u012fmok\u0105 mok\u0117t\u0173 ne tik jis. Nuo 2013 m. baland\u017eio 1 d. iki rugs\u0117jo 1 d. pasinaudoj\u0119 galimybe pasirinkti \u0161\u012f variant\u0105 sulauktum\u0117te papildomos paramos i\u0161 valstyb\u0117s.<\/p>\n

Tai rei\u0161kia, kad nuo 2014 m. \u012f J\u016bs\u0173 pensij\u0173 fond\u0105 b\u016bt\u0173 pervedama 2 proc. pajam\u0173 i\u0161 Sodros, papildomas savanori\u0161kai pasirinktas ir paties mokamas 1 proc. pajam\u0173, o papildom\u0105 \u012fmok\u0105, lygi\u0105 1 proc. nuo Statistikos departamento u\u017epernai paskelbto \u0161alies darbuotoj\u0173 vidutinio bruto darbo u\u017emokes\u010dio per m\u0117nes\u012f, pervest\u0173 valstyb\u0117 i\u0161 biud\u017eeto l\u0117\u0161\u0173.<\/p>\n

Nuo 2020 m. \u012fmok\u0173 dyd\u017eiai v\u0117l keisis ir juos bus galima apib\u016bdinti formule 3.5 + 2 + 2, t.y. pensij\u0173 \u012fmokos dydis sieks 3,5 proc. dalyvio pajam\u0173, papildomos asmens l\u0117\u0161omis mokamos \u012fmokos dydis \u2013 2 proc., papildomos i\u0161 valstyb\u0117s biud\u017eeto u\u017e dalyv\u012f mokamos \u012fmokos dydis \u2013 2 proc.<\/p>\n

\u017dinoma, d\u0117l savanori\u0161kai pasirinktos papildomos \u012fmokos kiek suma\u017e\u0117s disponuojamos pajamos. Kita vertus, kur kas didesn\u0117 dalis skiriama atei\u010diai. C scenarijaus atveju, vidutin\u012f bruto darbo u\u017emokest\u012f gaunan\u010dio \u0161alies gyventojo pensij\u0173 fondas 2014 m. per m\u0117nes\u012f pasipildyt\u0173 89.25 Lt, nuo 2016 m. \u2013 142.58 Lt, o nuo 2020 m. \u2013 203.92 Lt.<\/p>\n

Prognozuojamas disponuojam\u0173 pajam\u0173 suma\u017e\u0117jimas, preliminar\u016bs \u012fna\u0161\u0173 \u012f II pakopos pensij\u0173 fondus ir valstyb\u0117s \u012fna\u0161\u0173 dyd\u017eiai (Lt\/m\u0117n.)<\/strong><\/p>\n

\"lentele\"<\/a><\/p>\n

Disponuojam\u0173 pajam\u0173 suma\u017e\u0117jimas skaud\u017eiausias \u017eemiausias pajamas gaunantiems nam\u0173 \u016bkiams, ta\u010diau b\u016btent jie, pasirink\u0119 C variant\u0105, gauna did\u017eiausi\u0105 naud\u0105 i\u0161 papildomos \u012fmokos mokamos i\u0161 valstyb\u0117s biud\u017eeto, kuri nepriklauso nuo gyventojo pajam\u0173. Kaip tai veikia, bus lengviau suprasti i\u0161analizavus supaprastint\u0105 pavyzd\u012f.<\/p>\n

\u201eInvestav\u0119s\u201c 1 Lt disponuojam\u0173 pajam\u0173, minimal\u0173 atlyginim\u0105 (850 Lt\/m\u0117n.) gaunantis \u0161alies gyventojas i\u0161 valstyb\u0117s 2014 m. gaus 2.49 Lt, nuo 2020 m. \u2013 3.06 Lt \u201cpaskatinim\u0105\u201d. Vidutin\u012f atlyginim\u0105 gaunan\u010dio asmens atveju, atitinkamos sumos siekt\u0173 0.93 Lt ir 0.94 Lt, o gaunan\u010dio 5000 Lt siekiant\u012f bruto darbo u\u017emokest\u012f atveju \u2013 0.42 Lt ir 0.52 Lt.<\/p>\n

Prognozuojamos sukauptos sumos (Lt)<\/strong><\/p>\n

Skai\u010diavimai atlikti darant prielaid\u0105, jog iki 2020 m. vidutinis bruto darbo u\u017emokestis \u0161alyje kasmet paaugs po 3.5 proc., o nuo 2020 m. \u2013 po 2.5 proc. Skai\u010diuojant fiksuot\u0173 atlyginim\u0173 scenarijus daryta prielaida, jog asmens atlyginimas vis\u0105 laikotarp\u012f nesikei\u010dia.<\/p>\n

Taikyta vidutin\u0117 metin\u0117 investicij\u0173 gr\u0105\u017ea \u2013 3.2 proc., metinis administravimo mokestis \u2013 1 proc., dalyvio vardu sumok\u0117t\u0173 \u012fmok\u0173 administravimo mokestis (skai\u010diuojamas nuo per metus \u012f pensij\u0173 fond\u0105 sumok\u0117tos \u012fmok\u0173 sumos) nuo 2013 m. iki 2016 m. ma\u017einamas nuo 2 proc. po 0.5 p.p. kasmet.<\/p>\n

\"lentele<\/a><\/p>\n

Ta\u010diau tai nerei\u0161kia, kad C variantas didesnes pajamas gaunantiesiems n\u0117ra naudingas. Palyginus su B variantu, vidutin\u012f darbo u\u017emokest\u012f gaunantis lietuvis, prad\u0117j\u0119s kaupti nuo keturiasde\u0161imties met\u0173, prie savo pensijos prid\u0117t\u0173 90743 Lt arba 96 proc. daugiau.<\/p>\n

Tad atsid\u016br\u0119 tarp trij\u0173 alternatyv\u0173 \u2013 likti, i\u0161eiti ar kaupti papildomai \u2013 i\u0161analizuokite visas si\u016blomas galimybes finansi\u0161kai apr\u016bpintos senatv\u0117s u\u017etikrinimui ir nelikite abejingi d\u0117l savo ateities.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pra\u0117jusi\u0105 savait\u0119 patvirtintos pensij\u0173 sistemos reformos \u012fstatymo pataisos su priva\u010diais antros pakopos pensij\u0173 fondais sutartis sudariusiems gyventojams atne\u0161\u0117 tris dilemas. Nuo \u0161iol jie gali pasirinkti: A – gr\u012f\u017eti \u012f Sodr\u0105, t.y., sustabdyti nauj\u0173 pensij\u0173 \u012fmok\u0173 pervedimus \u012f pasirinkt\u0105 pensij\u0173 fond\u0105; B – nieko nekeisti; C \u2013 negr\u012f\u017eti \u012f Sodr\u0105 ir pasirinkti papildom\u0105 kaupim\u0105. Tad kur\u012f […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-17768","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-aktualijos"},"yoast_head":"\nFinans\u0173 instituto Lietuvoje vadov\u0117 O.Blo\u017eien\u0117: trys pensij\u0173 dilemos - \u0160ilut\u0117s naujienos<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Finans\u0173 instituto Lietuvoje vadov\u0117 O.Blo\u017eien\u0117: trys pensij\u0173 dilemos - \u0160ilut\u0117s naujienos\" \/>\n<meta property=\"og:description\" content=\"Pra\u0117jusi\u0105 savait\u0119 patvirtintos pensij\u0173 sistemos reformos \u012fstatymo pataisos su priva\u010diais antros pakopos pensij\u0173 fondais sutartis sudariusiems gyventojams atne\u0161\u0117 tris dilemas. Nuo \u0161iol jie gali pasirinkti: A – gr\u012f\u017eti \u012f Sodr\u0105, t.y., sustabdyti nauj\u0173 pensij\u0173 \u012fmok\u0173 pervedimus \u012f pasirinkt\u0105 pensij\u0173 fond\u0105; B – nieko nekeisti; C \u2013 negr\u012f\u017eti \u012f Sodr\u0105 ir pasirinkti papildom\u0105 kaupim\u0105. 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Nuo \u0161iol jie gali pasirinkti: A – gr\u012f\u017eti \u012f Sodr\u0105, t.y., sustabdyti nauj\u0173 pensij\u0173 \u012fmok\u0173 pervedimus \u012f pasirinkt\u0105 pensij\u0173 fond\u0105; B – nieko nekeisti; C \u2013 negr\u012f\u017eti \u012f Sodr\u0105 ir pasirinkti papildom\u0105 kaupim\u0105. Tad kur\u012f […]","og_url":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/","og_site_name":"\u0160ilut\u0117s naujienos","article_publisher":"https:\/\/www.facebook.com\/silutes.naujienos\/","article_published_time":"2012-11-30T14:38:12+00:00","og_image":[{"url":"\/\/silutesnaujienos.lt\/images\/stories\/2012\/11\/29\/thumbnails\/thumb_SG100013.JPG","type":"","width":"","height":""}],"author":"\u0160ilut\u0117s naujien\u0173 inf.","twitter_card":"summary_large_image","twitter_misc":{"Written by":"\u0160ilut\u0117s naujien\u0173 inf.","Est. reading time":"5 minut\u0117s"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/#article","isPartOf":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/"},"author":{"name":"\u0160ilut\u0117s naujien\u0173 inf.","@id":"https:\/\/www.silutesnaujienos.lt\/lt\/#\/schema\/person\/976440ef837444400af3c77c19c61454"},"headline":"Finans\u0173 instituto Lietuvoje vadov\u0117 O.Blo\u017eien\u0117: trys pensij\u0173 dilemos","datePublished":"2012-11-30T14:38:12+00:00","mainEntityOfPage":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/"},"wordCount":922,"commentCount":0,"publisher":{"@id":"https:\/\/www.silutesnaujienos.lt\/lt\/#organization"},"articleSection":["Aktualijos"],"inLanguage":"lt-LT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/","url":"https:\/\/www.silutesnaujienos.lt\/lt\/finansu-instituto-lietuvoje-vadove-o-bloziene-trys-pensiju-dilemos\/","name":"Finans\u0173 instituto Lietuvoje vadov\u0117 O.Blo\u017eien\u0117: trys pensij\u0173 dilemos - 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