[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.poeschl.sk\/dochodkovy-pilier\/#Article","mainEntityOfPage":"https:\/\/www.poeschl.sk\/dochodkovy-pilier\/","headline":"D\u00f4chodkov\u00fd pilier","name":"D\u00f4chodkov\u00fd pilier","description":"V\u00e4\u010d\u0161ina \u013eud\u00ed na Slovensku je zamestnan\u00fdch a\u00a0to znamen\u00e1, \u017ee mesa\u010dne im na \u00fa\u010det chod\u00ed v\u00fdplata. Zam\u00fd\u0161\u013eali ste sa niekedy nad t\u00fdm, ko\u013eko re\u00e1lne zarob\u00edte? Pravdepodobne v\u00e1m nie\u010do hovor\u00ed hrub\u00e1 a\u00a0\u010dist\u00e1 mzda. \u010cist\u00e1 mzda s\u00fa peniaze, ktor\u00e9 re\u00e1lne dostanete na \u00fa\u010det, resp. ktor\u00e9 zarob\u00edte po odpo\u010d\u00edtan\u00ed dane. Hrub\u00e1 mzda, ktor\u00e1 sa \u010dastokr\u00e1t ud\u00e1va aj pri inzercii […]","datePublished":"2023-10-18","dateModified":"2023-10-18","author":{"@type":"Person","@id":"https:\/\/www.poeschl.sk\/author\/#Person","name":"","url":"https:\/\/www.poeschl.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"poeschl.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.poeschl.sk\/wp-content\/uploads\/money-7727576_1280.jpg","url":"https:\/\/www.poeschl.sk\/wp-content\/uploads\/money-7727576_1280.jpg","height":0,"width":0},"url":"https:\/\/www.poeschl.sk\/dochodkovy-pilier\/","about":["Ekonomika"],"wordCount":405,"articleBody":"V\u00e4\u010d\u0161ina \u013eud\u00ed na Slovensku je zamestnan\u00fdch a\u00a0to znamen\u00e1, \u017ee mesa\u010dne im na \u00fa\u010det chod\u00ed v\u00fdplata. Zam\u00fd\u0161\u013eali ste sa niekedy nad t\u00fdm, ko\u013eko re\u00e1lne zarob\u00edte? Pravdepodobne v\u00e1m nie\u010do hovor\u00ed hrub\u00e1 a\u00a0\u010dist\u00e1 mzda. \u010cist\u00e1 mzda s\u00fa peniaze, ktor\u00e9 re\u00e1lne dostanete na \u00fa\u010det, resp. ktor\u00e9 zarob\u00edte po odpo\u010d\u00edtan\u00ed dane. Hrub\u00e1 mzda, ktor\u00e1 sa \u010dastokr\u00e1t ud\u00e1va aj pri inzercii pr\u00e1ce, je mzda, ktor\u00e1 je nav\u00fd\u0161en\u00e1 aj o\u00a0povinn\u00fa \u010diastku dane. Ako zamestnanej osobe v\u00e1m v\u0161ak dane neprisl\u00fachaj\u00fa a v\u00e1\u0161 zamestn\u00e1vate\u013e ich za v\u00e1s mus\u00ed odv\u00e1dza\u0165 \u0161t\u00e1tu. Ak si mysl\u00edte, \u017ee na tieto peniaze u\u017e nem\u00e1te n\u00e1rok, m\u00fdlite sa.\u00a0\u00a0Na \u010das\u0165 z\u00a0va\u0161ich dan\u00ed m\u00e1te n\u00e1rok v\u00a0podobe druh\u00e9ho a tretieho piliera. \u017de ste o\u00a0mo\u017enosti zriadi\u0165 si d\u00f4chodkov\u00fd pilier e\u0161te nepo\u010duli? D\u00f4chodkov\u00e9 piliere mo\u017eno rozdeli\u0165 na druh\u00fd a\u00a0tret\u00ed pilier. V\u00a0obidvoch pilieroch si \u0161etrite po\u010das \u017eivota a\u00a0po\u010das v\u00e1\u0161ho zamestnania peniaze, ktor\u00e9 v\u00e1m nesk\u00f4r bud\u00fa vyplaten\u00e9 na d\u00f4chodku. Druh\u00fd pilier si m\u00f4\u017eete zriadi\u0165 aj vo svojej banke. \u010cas\u0165 z\u00a0hrubej mzdy, ktor\u00fa plat\u00edte m\u00f4\u017eete vyu\u017ei\u0165 aj na \u0161etrenie v\u00a0druhom pilieri. V\u0161etky odvody v\u00e1m neod\u00eddu, ale ur\u010dit\u00e9 percento v\u00e1m bude spori\u0165 vo\u00a0va\u0161om druhom pilieri. Tret\u00ed pilier je o\u00a0nie\u010do v\u00fdnosnej\u0161\u00ed. Sklad\u00e1 sa z dvoch \u010dasti. Jednu \u010das\u0165 v\u00e1m prispieva zamestn\u00e1vate\u013e a\u00a0druh\u00fa \u010das\u0165 prispievate zo svojej mzdy vy sami. V\u00a0pr\u00edpade obidvoch pilierov si\u00a0\u0161etrite peniaze, ktor\u00e9 by ste in\u00e1\u010d nedostali. Preto je ve\u013ekou v\u00fdhodou ke\u010f na druh\u00fd a\u00a0tret\u00ed pilier nezabudnete. \u00a0\u00a0Peniaze na\u0161etren\u00e9 v\u00a0t\u00fdchto pilieroch v\u00e1m v\u0161ak sk\u00f4r ako d\u00f4chodkovom veku nevyplatia. Preto ide o\u00a0dlhodob\u00fa invest\u00edciu po\u010das svojho \u017eivota, kedy je vhodn\u00e9 myslie\u0165 na svoj d\u00f4chodok. Pre viac inform\u00e1ci\u00ed o\u00a0zriaden\u00ed druh\u00e9ho a tretieho piliera sa informujte vo svojej banke a\u00a0u\u00a0svojho zamestn\u00e1vate\u013ea. O\u00a0svoje peniaze sa b\u00e1\u0165 nemus\u00edte. \u010castokr\u00e1t sa \u0161\u00edria podvodn\u00e9 spr\u00e1vy o\u00a0ru\u0161en\u00ed pilierov. O peniaze, ktor\u00e9 sami vlo\u017e\u00edte do tretieho piliera nepr\u00eddete. V\u00a0pr\u00edpade druh\u00e9ho piliera, kde s\u00fa peniaze \u0161t\u00e1tne, nie z\u00a0va\u0161ej mzdy, m\u00f4\u017eu nasta\u0165 ur\u010dit\u00e9 zmeny.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u00f4chodkov\u00fd pilier","item":"https:\/\/www.poeschl.sk\/dochodkovy-pilier\/#breadcrumbitem"}]}]