[\/et_pb_text][\/et_pb_column][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_image src=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/07\/3-Pilier-Poistenie-vo-Svajciarsku.png“ alt=“3 Pilier Poistenie vo \u0160vaj\u010diarsku“ title_text=“3 Pilier Poistenie vo \u0160vaj\u010diarsku“ align=“center“ align_tablet=“center“ align_phone=“center“ align_last_edited=“on|desktop“ _builder_version=“4.17.6″ _module_preset=“default“ width=“87%“ custom_margin=“19px||-32px|-38px|false|false“ custom_margin_tablet=“-29px||0px||false|false“ custom_margin_phone=“-33px||-30px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“0px||2px|0px|false|false“ custom_padding_tablet=“0px||0px||false|false“ custom_padding_phone=“0px||||false|false“ custom_padding_last_edited=“on|phone“ animation_style=“zoom“ animation_direction=“bottom“ animation_intensity_zoom=“4%“ global_colors_info=“{}“][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ background_color=“#ffffff“ width_tablet=““ width_phone=“89%“ width_last_edited=“on|phone“ max_width_tablet=““ max_width_phone=““ max_width_last_edited=“on|phone“ min_height_tablet=““ min_height_phone=““ min_height_last_edited=“on|phone“ height_tablet=““ height_phone=““ height_last_edited=“on|phone“ max_height_tablet=““ max_height_phone=““ max_height_last_edited=“on|phone“ custom_margin=“30px|10%||auto||“ custom_margin_tablet=“|10%||“ custom_margin_phone=“|5%|||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“40px|6%|40px|6%|true|true“ custom_padding_tablet=“40px|6%|40px|6%|true|true“ custom_padding_phone=“25px|6%|25px|6%|true|true“ animation_style=“zoom“ animation_intensity_zoom=“10%“ module_alignment_tablet=““ module_alignment_phone=““ module_alignment_last_edited=“on|phone“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“0px“ box_shadow_blur=“140px“ box_shadow_spread=“-20px“ box_shadow_color=“rgba(55,104,238,0.4)“ global_colors_info=“{}“ height__hover_enabled=“off|desktop“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_text_color=“#003bde“ header_line_height=“1.4em“ header_2_font=“||||||||“ header_2_text_color=“#003bde“ header_2_font_size=“30px“ header_2_line_height=“1.4em“ header_3_font=“||||||||“ header_3_text_color=“#003bde“ header_3_font_size=“30px“ header_3_line_height=“1.4em“ header_4_font=“||||||||“ header_4_text_color=“#003bde“ header_4_font_size=“30px“ header_4_line_height=“1.4em“ header_5_font=“||||||||“ header_5_text_color=“#003bde“ header_5_font_size=“30px“ header_5_line_height=“1.4em“ header_6_font=“||||||||“ header_6_text_color=“#003bde“ header_6_font_size=“30px“ header_6_line_height=“1.4em“ text_orientation=“center“ max_width=“700px“ module_alignment=“center“ custom_margin=“||60px|“ header_font_size_tablet=“30px“ header_font_size_phone=“24px“ header_font_size_last_edited=“on|desktop“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|desktop“ header_3_font_size_tablet=“30px“ header_3_font_size_phone=“24px“ header_3_font_size_last_edited=“on|desktop“ header_4_font_size_tablet=“30px“ header_4_font_size_phone=“24px“ header_4_font_size_last_edited=“on|desktop“ header_5_font_size_tablet=“30px“ header_5_font_size_phone=“24px“ header_5_font_size_last_edited=“on|desktop“ header_6_font_size_tablet=“30px“ header_6_font_size_phone=“24px“ header_6_font_size_last_edited=“on|desktop“ locked=“off“ global_colors_info=“{}“]<\/p>\n
Za\u010dnite s bezplatnou cenovou ponukou<\/h2>\n
[\/et_pb_text][et_pb_contact_form captcha=“off“ success_message=“\u010eakujeme za zaslanie spr\u00e1vy“ submit_button_text=“odosla\u0165“ module_id=“et_pb_contact_form_1″ _builder_version=“4.17.6″ _module_preset=“default“ form_field_background_color=“rgba(0,0,0,0)“ form_field_font=“Montserrat||||||||“ custom_button=“on“ button_text_size=“14px“ button_text_color=“#ffffff“ button_bg_color=“#003bde“ button_border_width=“10px“ button_border_color=“rgba(0,0,0,0)“ button_border_radius=“4px“ button_letter_spacing=“1px“ button_font=“Montserrat|||on|||||“ custom_margin_tablet=““ custom_margin_phone=“-40px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ custom_padding_last_edited=“on|phone“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“2px“ border_color_all=“rgba(51,51,51,0.06)“ form_background_color=“rgba(0,0,0,0)“ global_colors_info=“{}“][et_pb_contact_field field_id=“Name“ field_title=“Meno“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“off“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“off“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“off“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_contact_field][et_pb_contact_field field_id=“Email“ field_title=“Email “ field_type=“email“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“off“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“off“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“off“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_contact_field][et_pb_contact_field field_id=“Address“ field_title=“Kant\u00f3n“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“off“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“off“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“off“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_contact_field][et_pb_contact_field field_id=“insurance“ field_title=“Druh Poistenia“ field_type=“select“ select_options=“%91{%22value%22:%223. Pilier%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%222. Pilier%22,%22checked%22:0,%22dragID%22:0}%93″ _builder_version=“4.17.6″ _module_preset=“default“ form_field_font_size=“14px“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“off“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“off“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“off“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_contact_field][et_pb_contact_field field_id=“Field_10″ field_title=“Tel. Kontakt“ fullwidth_field=“on“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“What You Get“ _builder_version=“4.17.4″ _module_preset=“default“ background_color=“#f7f8fc“ background_image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/05\/insurance-08.png“ background_size=“initial“ background_position=“bottom_left“ custom_padding=“54px|0|54px|0px|false|false“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.6″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
\u010co 3 & 2 Pilier obsahuje?<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_2,1_2″ custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=“-22px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ global_colors_info=“{}“][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_image src=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/12\/Treti-pilier-Svajciarsko.png“ alt=“Modely poistenia“ title_text=“Tret\u00ed pilier \u0160vaj\u010diarsko“ align=“center“ align_tablet=“center“ align_phone=“center“ align_last_edited=“on|desktop“ _builder_version=“4.19.3″ _module_preset=“default“ width=“100%“ width_tablet=“90%“ width_phone=“110%“ width_last_edited=“on|phone“ max_width=“100%“ max_width_tablet=“100%“ max_width_phone=“110%“ max_width_last_edited=“on|phone“ min_height=“100px“ min_height_tablet=“100px“ min_height_phone=“80px“ min_height_last_edited=“on|phone“ height=“300px“ height_tablet=“300px“ height_phone=“211px“ height_last_edited=“on|phone“ max_height_tablet=““ max_height_phone=““ max_height_last_edited=“on|phone“ custom_margin=“||-27px||false|false“ custom_margin_tablet=“||-27px||false|false“ custom_margin_phone=“||1px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“0px|40px|0px|40px||true“ custom_padding_tablet=“0px|40px|0px|40px||true“ custom_padding_phone=“0px|40px|0px|40px||true“ custom_padding_last_edited=“on|phone“ module_alignment_tablet=““ module_alignment_phone=““ module_alignment_last_edited=“on|phone“ global_colors_info=“{}“][\/et_pb_image][et_pb_text _builder_version=“4.17.6″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ ul_font=“||||||||“ ul_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_3_font=“||||||||“ header_3_font_size=“24px“ header_3_line_height=“1.4em“ background_color=“#ffffff“ custom_padding=“18px|40px|18px|40px|true|true“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“off|desktop“ header_3_font_size_tablet=“30px“ header_3_font_size_phone=“24px“ header_3_font_size_last_edited=“off|desktop“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“10px“ box_shadow_blur=“80px“ box_shadow_spread=“-10px“ box_shadow_color=“rgba(44,54,92,0.2)“ global_colors_info=“{}“]<\/p>\n
\u010co Piliere pon\u00fakaj\u00fa?<\/h3>\n\n- Jednoduch\u00e1 registr\u00e1cia<\/li>\n
- Profesion\u00e1lna spr\u00e1va majetku<\/li>\n
- Pr\u00edspevok na sporenie<\/li>\n
- U\u0161etr\u00edte na daniach<\/li>\n
- 24\/7 pr\u00edstup<\/li>\n<\/ul>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_image src=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/12\/Treti-pilier-Svajciarsko-PKS-Finanz.png“ alt=“Tret\u00ed pilier \u0160vaj\u010diarsko PKS Finanz“ title_text=“Tret\u00ed pilier \u0160vaj\u010diarsko PKS Finanz“ align=“center“ align_tablet=“center“ align_phone=“center“ align_last_edited=“on|desktop“ _builder_version=“4.19.3″ _module_preset=“default“ width=“100%“ width_tablet=“90%“ width_phone=“100%“ width_last_edited=“on|phone“ max_width=“100%“ max_width_tablet=““ max_width_phone=“100%“ max_width_last_edited=“on|phone“ min_height=“300px“ min_height_tablet=““ min_height_phone=“187px“ min_height_last_edited=“on|phone“ height=“237px“ height_tablet=“237px“ height_phone=“211px“ height_last_edited=“on|phone“ max_height_tablet=““ max_height_phone=“151px“ max_height_last_edited=“on|phone“ custom_margin=“0px||-28px||false|false“ custom_margin_tablet=“||0px|“ custom_margin_phone=“0px||-9px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“|40px|0px|40px|false|true“ custom_padding_tablet=“|40px||40px||true“ custom_padding_phone=“|40px||40px||true“ custom_padding_last_edited=“on|phone“ module_alignment_tablet=““ module_alignment_phone=““ module_alignment_last_edited=“on|phone“ locked=“off“ global_colors_info=“{}“][\/et_pb_image][et_pb_text _builder_version=“4.17.6″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ ul_font=“||||||||“ ul_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_3_font=“||||||||“ header_3_font_size=“24px“ header_3_line_height=“1.4em“ background_color=“#ffffff“ custom_padding=“14px|40px|14px|40px|true|true“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“off|desktop“ header_3_font_size_tablet=“30px“ header_3_font_size_phone=“24px“ header_3_font_size_last_edited=“off|desktop“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“10px“ box_shadow_blur=“80px“ box_shadow_spread=“-10px“ box_shadow_color=“rgba(44,54,92,0.2)“ locked=“off“ global_colors_info=“{}“]<\/p>\n
\u010co obsahuje?<\/h3>\n\n- Pr\u00edspevok na sporenie v pr\u00edpade invalidity<\/li>\n
- Administr\u00e1cia<\/li>\n
- Osobn\u00e9 poradenstvo a podpora<\/li>\n<\/ul>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=“4.16″ _module_preset=“default“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_button button_url=“#et_pb_contact_form_0″ button_text=“Kontaktujte n\u00e1s“ button_alignment=“center“ _builder_version=“4.17.4″ _module_preset=“default“ custom_button=“on“ button_text_size=“14px“ button_text_color=“#ffffff“ button_bg_color=“#003bde“ button_border_width=“0px“ button_border_radius=“4px“ button_letter_spacing=“1px“ button_font=“Montserrat|||on|||||“ background_layout=“dark“ custom_margin=“|||“ custom_margin_tablet=“|||“ custom_margin_phone=“-10px||-30px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“16px|40px|16px|40px|true|true“ custom_padding_tablet=“16px|40px|16px|40px|true|true“ custom_padding_phone=“16px||16px||true|true“ custom_padding_last_edited=“on|phone“ button_border_radius_hover=“4px“ button_letter_spacing_hover=“1px“ button_bg_color_hover=“#0053ef“ locked=“off“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“on“ button_border_radius__hover=“4px“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“on“ button_letter_spacing__hover=“1px“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“on“ button_bg_color__hover=“#0053ef“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“FAQ“ _builder_version=“4.16″ _module_preset=“default“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ locked=“off“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
\u010casto Kladen\u00e9 Ot\u00e1zky<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_2,1_2″ custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ global_colors_info=“{}“][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_accordion open_toggle_background_color=“#f7f8fc“ closed_toggle_background_color=“#f7f8fc“ _builder_version=“4.19.4″ _module_preset=“default“ toggle_font=“|600|||||||“ toggle_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“0px“ global_colors_info=“{}“][et_pb_accordion_item title=“Ako zaplat\u00edm do 3. piliera?“ open=“on“ _builder_version=“4.19.4″ _module_preset=“default“ global_colors_info=“{}“]<\/p>\n
Maxim\u00e1lna v\u00fd\u0161ka odpo\u010dtov dane z piliera 3a sa ka\u017edoro\u010dne upravuje. Pre ro\u010dn\u00edk 2023 to bolo takto:<\/p>\n
Zamestnanci: maxim\u00e1lne 7 056 CHF<\/p>\n
Samostatne z\u00e1robkovo \u010dinn\u00e9 osoby bez d\u00f4chodkov\u00e9ho fondu: maxim\u00e1lne 35 280 CHF<\/p>\n
[\/et_pb_accordion_item][et_pb_accordion_item title=“Ako m\u00f4\u017eem u\u0161etri\u0165 na daniach so s\u00fakromn\u00fdm d\u00f4chodkov\u00fdm pl\u00e1nom?“ _builder_version=“4.17.6″ _module_preset=“default“ global_colors_info=“{}“ open=“off“]<\/p>\n
Feder\u00e1lna vl\u00e1da podporuje 3. pilier atrakt\u00edvnymi da\u0148ov\u00fdmi v\u00fdhodami, ktor\u00e9 v\u00e1m umo\u017e\u0148uj\u00fa dosiahnu\u0165 obrovsk\u00e9 da\u0148ov\u00e9 \u00faspory a zabezpe\u010di\u0165 bud\u00facnos\u0165.<\/p>\n
Najm\u00e4 pilier 3a sa pova\u017euje za rozumn\u00e9 opatrenie na da\u0148ov\u00fa optimaliz\u00e1ciu, a teda \u00fasporu.<\/p>\n
Da\u0148ov\u00e9 v\u00fdhody piliera 3a:<\/strong><\/p>\nRo\u010dn\u00e9 poistn\u00e9 sa odpo\u010d\u00edtava z v\u00e1\u0161ho zdanite\u013en\u00e9ho pr\u00edjmu (a\u017e do z\u00e1konom stanovenej maxim\u00e1lnej v\u00fd\u0161ky).
Z\u00e1robky (\u00faroky a odmeny) s\u00fa po\u010das obdobia osloboden\u00e9 od dane z pr\u00edjmov.
Pau\u0161\u00e1lne v\u00fdplaty s\u00fa zda\u0148ovan\u00e9 zn\u00ed\u017eenou osobitnou sadzbou.<\/p>\n
Da\u0148ov\u00e9 v\u00fdhody piliera 3b:<\/strong><\/p>\nPravidelne financovan\u00e9 kapit\u00e1lov\u00e9 \u017eivotn\u00e9 poistenie je osloboden\u00e9 od dane z pr\u00edjmu. To ist\u00e9 plat\u00ed pri splnen\u00ed nasleduj\u00facich podmienok aj pre \u017eivotn\u00e9 poistenie financovan\u00e9 jednorazov\u00fdm poistn\u00fdm:<\/p>\n
Poistn\u00e1 zmluva bola podp\u00edsan\u00e1 pred 66. narodeninami poistenca.
Poistenec dov\u0155\u0161il vek 60 rokov v \u010dase vyplatenia sumy.
Poistenie sa splat\u00ed najsk\u00f4r po piatich rokoch.
Poistn\u00edk a poisten\u00fd s\u00fa toto\u017en\u00ed.
Z\u00e1robky (\u00faroky a odmeny) s\u00fa po\u010das obdobia osloboden\u00e9 od dane z pr\u00edjmov.<\/p>\n
[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_accordion open_toggle_background_color=“#f7f8fc“ closed_toggle_background_color=“#f7f8fc“ _builder_version=“4.17.6″ _module_preset=“default“ toggle_font=“|600|||||||“ toggle_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“0px“ locked=“off“ global_colors_info=“{}“][et_pb_accordion_item title=“Ako si dohodnem stretnutie online?“ open=“on“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“]<\/p>\n
Ak m\u00e1te z\u00e1ujem o konkr\u00e9tne poistenie alebo cenov\u00fa ponuku, m\u00f4\u017eete n\u00e1s kedyko\u013evek kontaktova\u0165 prostredn\u00edctvom online formul\u00e1ra, mailu, live chatu alebo telefonicky.<\/p>\n
[\/et_pb_accordion_item][et_pb_accordion_item title=“Ak\u00fd je rozdiel medzi piliermi 3a a 3b?“ _builder_version=“4.17.6″ _module_preset=“default“ global_colors_info=“{}“ open=“off“]<\/p>\n
Pilier 3 je ide\u00e1lny na \u0161etrenie pe\u0148az\u00ed a zabezpe\u010denie bud\u00facnosti. Rozli\u0161uje sa viazan\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie (pilier 3a) a flexibiln\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie (pilier 3b): Vo v\u0161eobecnosti odpor\u00fa\u010dame kombin\u00e1ciu oboch.<\/p>\n
Pilier 3a<\/strong> je zameran\u00fd na zabezpe\u010denie dostato\u010dn\u00e9ho pr\u00edjmu v starobe a vz\u0165ahuje sa na\u0148 z\u00e1konn\u00e9 ustanovenia t\u00fdkaj\u00face sa ro\u010dn\u00fdch do\u0161l\u00fdch platieb a d\u00e1tumu v\u00fdplaty. D\u00e1 sa financova\u0165 len z pr\u00e9mi\u00ed. Z\u00e1kon v\u0161ak povo\u013euje ka\u017ed\u00fd rok zaplati\u0165 do pl\u00e1nu len obmedzen\u00fa sumu. Tieto pr\u00edspevky si m\u00f4\u017eete zapo\u010d\u00edta\u0165 s da\u0148ou do maxim\u00e1lnej v\u00fd\u0161ky, \u010derpa\u0165 ich v\u0161ak m\u00f4\u017eete len pred odchodom do d\u00f4chodku za ur\u010dit\u00fdch podmienok. Medzi d\u00f4vody pred\u010dasn\u00e9ho v\u00fdberu patr\u00ed k\u00fapa nehnute\u013enosti na b\u00fdvanie, definit\u00edvne opustenie \u0160vaj\u010diarska alebo poberanie pln\u00e9ho invalidn\u00e9ho d\u00f4chodku.<\/p>\nPilier 3b<\/strong> je flexibiln\u00fd, pokia\u013e ide o obdobie, pr\u00edjemcov a vyplaten\u00fa sumu. M\u00f4\u017ee by\u0165 financovan\u00fd z poistn\u00e9ho alebo jednorazovou platbou. Tento kapit\u00e1l je mo\u017en\u00e9 kedyko\u013evek vybra\u0165, ale nepodlieha \u017eiadnym da\u0148ov\u00fdm v\u00fdhod\u00e1m.<\/p>\n[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“Agents“ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“2px||10px|||“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=“-33px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ locked=“off“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
Portf\u00f3lio Poisten\u00ed<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_3,1_3,1_3″ custom_padding_last_edited=“on|phone“ _builder_version=“4.21.0″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ custom_css_main_element=“display: flex;||flex-wrap: wrap;“ locked=“off“ global_colors_info=“{}“ theme_builder_area=“post_content“][et_pb_column type=“1_3″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“ theme_builder_area=“post_content“][et_pb_blurb title=“Poistenie Vozidla“ url=“https:\/\/poistenie.ch\/poistenie-vozidla\/“ image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/06\/Poistenie-vozidla.png“ alt=“Poistenie vozidla“ content_max_width=“1100px“ _builder_version=“4.21.0″ _module_preset=“default“ header_font=“||||||||“ header_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ background_color=“#ffffff“ text_orientation=“center“ custom_padding=“30px|30px|30px|30px|true|true“ animation_style=“zoom“ animation_intensity_zoom=“10%“ animation=“off“ link_option_url=“https:\/\/poistenie.ch\/poistenie-vozidla\/“ custom_css_main_element=“height: 100%;||padding: 20px 20px 10px;“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“10px“ box_shadow_blur=“80px“ box_shadow_spread=“-10px“ box_shadow_color=“rgba(44,54,92,0.2)“ global_colors_info=“{}“ transform_styles__hover_enabled=“on|hover“ transform_scale__hover_enabled=“on|hover“ transform_translate__hover_enabled=“on|desktop“ transform_rotate__hover_enabled=“on|desktop“ transform_skew__hover_enabled=“on|desktop“ transform_origin__hover_enabled=“on|desktop“ transform_scale__hover=“102%|102%“ theme_builder_area=“post_content“]<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_image src=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/12\/Treti-pilier-Svajciarsko-PKS-Finanz.png“ alt=“Tret\u00ed pilier \u0160vaj\u010diarsko PKS Finanz“ title_text=“Tret\u00ed pilier \u0160vaj\u010diarsko PKS Finanz“ align=“center“ align_tablet=“center“ align_phone=“center“ align_last_edited=“on|desktop“ _builder_version=“4.19.3″ _module_preset=“default“ width=“100%“ width_tablet=“90%“ width_phone=“100%“ width_last_edited=“on|phone“ max_width=“100%“ max_width_tablet=““ max_width_phone=“100%“ max_width_last_edited=“on|phone“ min_height=“300px“ min_height_tablet=““ min_height_phone=“187px“ min_height_last_edited=“on|phone“ height=“237px“ height_tablet=“237px“ height_phone=“211px“ height_last_edited=“on|phone“ max_height_tablet=““ max_height_phone=“151px“ max_height_last_edited=“on|phone“ custom_margin=“0px||-28px||false|false“ custom_margin_tablet=“||0px|“ custom_margin_phone=“0px||-9px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“|40px|0px|40px|false|true“ custom_padding_tablet=“|40px||40px||true“ custom_padding_phone=“|40px||40px||true“ custom_padding_last_edited=“on|phone“ module_alignment_tablet=““ module_alignment_phone=““ module_alignment_last_edited=“on|phone“ locked=“off“ global_colors_info=“{}“][\/et_pb_image][et_pb_text _builder_version=“4.17.6″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ ul_font=“||||||||“ ul_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_3_font=“||||||||“ header_3_font_size=“24px“ header_3_line_height=“1.4em“ background_color=“#ffffff“ custom_padding=“14px|40px|14px|40px|true|true“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“off|desktop“ header_3_font_size_tablet=“30px“ header_3_font_size_phone=“24px“ header_3_font_size_last_edited=“off|desktop“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“10px“ box_shadow_blur=“80px“ box_shadow_spread=“-10px“ box_shadow_color=“rgba(44,54,92,0.2)“ locked=“off“ global_colors_info=“{}“]<\/p>\n
\u010co obsahuje?<\/h3>\n\n- Pr\u00edspevok na sporenie v pr\u00edpade invalidity<\/li>\n
- Administr\u00e1cia<\/li>\n
- Osobn\u00e9 poradenstvo a podpora<\/li>\n<\/ul>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=“4.16″ _module_preset=“default“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_button button_url=“#et_pb_contact_form_0″ button_text=“Kontaktujte n\u00e1s“ button_alignment=“center“ _builder_version=“4.17.4″ _module_preset=“default“ custom_button=“on“ button_text_size=“14px“ button_text_color=“#ffffff“ button_bg_color=“#003bde“ button_border_width=“0px“ button_border_radius=“4px“ button_letter_spacing=“1px“ button_font=“Montserrat|||on|||||“ background_layout=“dark“ custom_margin=“|||“ custom_margin_tablet=“|||“ custom_margin_phone=“-10px||-30px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“16px|40px|16px|40px|true|true“ custom_padding_tablet=“16px|40px|16px|40px|true|true“ custom_padding_phone=“16px||16px||true|true“ custom_padding_last_edited=“on|phone“ button_border_radius_hover=“4px“ button_letter_spacing_hover=“1px“ button_bg_color_hover=“#0053ef“ locked=“off“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“on“ button_border_radius__hover=“4px“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“on“ button_letter_spacing__hover=“1px“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“on“ button_bg_color__hover=“#0053ef“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“FAQ“ _builder_version=“4.16″ _module_preset=“default“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ locked=“off“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
\u010casto Kladen\u00e9 Ot\u00e1zky<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_2,1_2″ custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ global_colors_info=“{}“][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_accordion open_toggle_background_color=“#f7f8fc“ closed_toggle_background_color=“#f7f8fc“ _builder_version=“4.19.4″ _module_preset=“default“ toggle_font=“|600|||||||“ toggle_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“0px“ global_colors_info=“{}“][et_pb_accordion_item title=“Ako zaplat\u00edm do 3. piliera?“ open=“on“ _builder_version=“4.19.4″ _module_preset=“default“ global_colors_info=“{}“]<\/p>\n
Maxim\u00e1lna v\u00fd\u0161ka odpo\u010dtov dane z piliera 3a sa ka\u017edoro\u010dne upravuje. Pre ro\u010dn\u00edk 2023 to bolo takto:<\/p>\n
Zamestnanci: maxim\u00e1lne 7 056 CHF<\/p>\n
Samostatne z\u00e1robkovo \u010dinn\u00e9 osoby bez d\u00f4chodkov\u00e9ho fondu: maxim\u00e1lne 35 280 CHF<\/p>\n
[\/et_pb_accordion_item][et_pb_accordion_item title=“Ako m\u00f4\u017eem u\u0161etri\u0165 na daniach so s\u00fakromn\u00fdm d\u00f4chodkov\u00fdm pl\u00e1nom?“ _builder_version=“4.17.6″ _module_preset=“default“ global_colors_info=“{}“ open=“off“]<\/p>\n
Feder\u00e1lna vl\u00e1da podporuje 3. pilier atrakt\u00edvnymi da\u0148ov\u00fdmi v\u00fdhodami, ktor\u00e9 v\u00e1m umo\u017e\u0148uj\u00fa dosiahnu\u0165 obrovsk\u00e9 da\u0148ov\u00e9 \u00faspory a zabezpe\u010di\u0165 bud\u00facnos\u0165.<\/p>\n
Najm\u00e4 pilier 3a sa pova\u017euje za rozumn\u00e9 opatrenie na da\u0148ov\u00fa optimaliz\u00e1ciu, a teda \u00fasporu.<\/p>\n
Da\u0148ov\u00e9 v\u00fdhody piliera 3a:<\/strong><\/p>\nRo\u010dn\u00e9 poistn\u00e9 sa odpo\u010d\u00edtava z v\u00e1\u0161ho zdanite\u013en\u00e9ho pr\u00edjmu (a\u017e do z\u00e1konom stanovenej maxim\u00e1lnej v\u00fd\u0161ky).
Z\u00e1robky (\u00faroky a odmeny) s\u00fa po\u010das obdobia osloboden\u00e9 od dane z pr\u00edjmov.
Pau\u0161\u00e1lne v\u00fdplaty s\u00fa zda\u0148ovan\u00e9 zn\u00ed\u017eenou osobitnou sadzbou.<\/p>\n
Da\u0148ov\u00e9 v\u00fdhody piliera 3b:<\/strong><\/p>\nPravidelne financovan\u00e9 kapit\u00e1lov\u00e9 \u017eivotn\u00e9 poistenie je osloboden\u00e9 od dane z pr\u00edjmu. To ist\u00e9 plat\u00ed pri splnen\u00ed nasleduj\u00facich podmienok aj pre \u017eivotn\u00e9 poistenie financovan\u00e9 jednorazov\u00fdm poistn\u00fdm:<\/p>\n
Poistn\u00e1 zmluva bola podp\u00edsan\u00e1 pred 66. narodeninami poistenca.
Poistenec dov\u0155\u0161il vek 60 rokov v \u010dase vyplatenia sumy.
Poistenie sa splat\u00ed najsk\u00f4r po piatich rokoch.
Poistn\u00edk a poisten\u00fd s\u00fa toto\u017en\u00ed.
Z\u00e1robky (\u00faroky a odmeny) s\u00fa po\u010das obdobia osloboden\u00e9 od dane z pr\u00edjmov.<\/p>\n
[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_accordion open_toggle_background_color=“#f7f8fc“ closed_toggle_background_color=“#f7f8fc“ _builder_version=“4.17.6″ _module_preset=“default“ toggle_font=“|600|||||||“ toggle_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“0px“ locked=“off“ global_colors_info=“{}“][et_pb_accordion_item title=“Ako si dohodnem stretnutie online?“ open=“on“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“]<\/p>\n
Ak m\u00e1te z\u00e1ujem o konkr\u00e9tne poistenie alebo cenov\u00fa ponuku, m\u00f4\u017eete n\u00e1s kedyko\u013evek kontaktova\u0165 prostredn\u00edctvom online formul\u00e1ra, mailu, live chatu alebo telefonicky.<\/p>\n
[\/et_pb_accordion_item][et_pb_accordion_item title=“Ak\u00fd je rozdiel medzi piliermi 3a a 3b?“ _builder_version=“4.17.6″ _module_preset=“default“ global_colors_info=“{}“ open=“off“]<\/p>\n
Pilier 3 je ide\u00e1lny na \u0161etrenie pe\u0148az\u00ed a zabezpe\u010denie bud\u00facnosti. Rozli\u0161uje sa viazan\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie (pilier 3a) a flexibiln\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie (pilier 3b): Vo v\u0161eobecnosti odpor\u00fa\u010dame kombin\u00e1ciu oboch.<\/p>\n
Pilier 3a<\/strong> je zameran\u00fd na zabezpe\u010denie dostato\u010dn\u00e9ho pr\u00edjmu v starobe a vz\u0165ahuje sa na\u0148 z\u00e1konn\u00e9 ustanovenia t\u00fdkaj\u00face sa ro\u010dn\u00fdch do\u0161l\u00fdch platieb a d\u00e1tumu v\u00fdplaty. D\u00e1 sa financova\u0165 len z pr\u00e9mi\u00ed. Z\u00e1kon v\u0161ak povo\u013euje ka\u017ed\u00fd rok zaplati\u0165 do pl\u00e1nu len obmedzen\u00fa sumu. Tieto pr\u00edspevky si m\u00f4\u017eete zapo\u010d\u00edta\u0165 s da\u0148ou do maxim\u00e1lnej v\u00fd\u0161ky, \u010derpa\u0165 ich v\u0161ak m\u00f4\u017eete len pred odchodom do d\u00f4chodku za ur\u010dit\u00fdch podmienok. Medzi d\u00f4vody pred\u010dasn\u00e9ho v\u00fdberu patr\u00ed k\u00fapa nehnute\u013enosti na b\u00fdvanie, definit\u00edvne opustenie \u0160vaj\u010diarska alebo poberanie pln\u00e9ho invalidn\u00e9ho d\u00f4chodku.<\/p>\nPilier 3b<\/strong> je flexibiln\u00fd, pokia\u013e ide o obdobie, pr\u00edjemcov a vyplaten\u00fa sumu. M\u00f4\u017ee by\u0165 financovan\u00fd z poistn\u00e9ho alebo jednorazovou platbou. Tento kapit\u00e1l je mo\u017en\u00e9 kedyko\u013evek vybra\u0165, ale nepodlieha \u017eiadnym da\u0148ov\u00fdm v\u00fdhod\u00e1m.<\/p>\n[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“Agents“ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“2px||10px|||“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=“-33px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ locked=“off“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
Portf\u00f3lio Poisten\u00ed<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_3,1_3,1_3″ custom_padding_last_edited=“on|phone“ _builder_version=“4.21.0″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ custom_css_main_element=“display: flex;||flex-wrap: wrap;“ locked=“off“ global_colors_info=“{}“ theme_builder_area=“post_content“][et_pb_column type=“1_3″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“ theme_builder_area=“post_content“][et_pb_blurb title=“Poistenie Vozidla“ url=“https:\/\/poistenie.ch\/poistenie-vozidla\/“ image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/06\/Poistenie-vozidla.png“ alt=“Poistenie vozidla“ content_max_width=“1100px“ _builder_version=“4.21.0″ _module_preset=“default“ header_font=“||||||||“ header_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ background_color=“#ffffff“ text_orientation=“center“ custom_padding=“30px|30px|30px|30px|true|true“ animation_style=“zoom“ animation_intensity_zoom=“10%“ animation=“off“ link_option_url=“https:\/\/poistenie.ch\/poistenie-vozidla\/“ custom_css_main_element=“height: 100%;||padding: 20px 20px 10px;“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“10px“ box_shadow_blur=“80px“ box_shadow_spread=“-10px“ box_shadow_color=“rgba(44,54,92,0.2)“ global_colors_info=“{}“ transform_styles__hover_enabled=“on|hover“ transform_scale__hover_enabled=“on|hover“ transform_translate__hover_enabled=“on|desktop“ transform_rotate__hover_enabled=“on|desktop“ transform_skew__hover_enabled=“on|desktop“ transform_origin__hover_enabled=“on|desktop“ transform_scale__hover=“102%|102%“ theme_builder_area=“post_content“]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=“4.16″ _module_preset=“default“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_button button_url=“#et_pb_contact_form_0″ button_text=“Kontaktujte n\u00e1s“ button_alignment=“center“ _builder_version=“4.17.4″ _module_preset=“default“ custom_button=“on“ button_text_size=“14px“ button_text_color=“#ffffff“ button_bg_color=“#003bde“ button_border_width=“0px“ button_border_radius=“4px“ button_letter_spacing=“1px“ button_font=“Montserrat|||on|||||“ background_layout=“dark“ custom_margin=“|||“ custom_margin_tablet=“|||“ custom_margin_phone=“-10px||-30px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“16px|40px|16px|40px|true|true“ custom_padding_tablet=“16px|40px|16px|40px|true|true“ custom_padding_phone=“16px||16px||true|true“ custom_padding_last_edited=“on|phone“ button_border_radius_hover=“4px“ button_letter_spacing_hover=“1px“ button_bg_color_hover=“#0053ef“ locked=“off“ global_colors_info=“{}“ button_text_size__hover_enabled=“off“ button_one_text_size__hover_enabled=“off“ button_two_text_size__hover_enabled=“off“ button_text_color__hover_enabled=“off“ button_one_text_color__hover_enabled=“off“ button_two_text_color__hover_enabled=“off“ button_border_width__hover_enabled=“off“ button_one_border_width__hover_enabled=“off“ button_two_border_width__hover_enabled=“off“ button_border_color__hover_enabled=“off“ button_one_border_color__hover_enabled=“off“ button_two_border_color__hover_enabled=“off“ button_border_radius__hover_enabled=“on“ button_border_radius__hover=“4px“ button_one_border_radius__hover_enabled=“off“ button_two_border_radius__hover_enabled=“off“ button_letter_spacing__hover_enabled=“on“ button_letter_spacing__hover=“1px“ button_one_letter_spacing__hover_enabled=“off“ button_two_letter_spacing__hover_enabled=“off“ button_bg_color__hover_enabled=“on“ button_bg_color__hover=“#0053ef“ button_one_bg_color__hover_enabled=“off“ button_two_bg_color__hover_enabled=“off“][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“FAQ“ _builder_version=“4.16″ _module_preset=“default“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ locked=“off“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
\u010casto Kladen\u00e9 Ot\u00e1zky<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_2,1_2″ custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ global_colors_info=“{}“][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_accordion open_toggle_background_color=“#f7f8fc“ closed_toggle_background_color=“#f7f8fc“ _builder_version=“4.19.4″ _module_preset=“default“ toggle_font=“|600|||||||“ toggle_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“0px“ global_colors_info=“{}“][et_pb_accordion_item title=“Ako zaplat\u00edm do 3. piliera?“ open=“on“ _builder_version=“4.19.4″ _module_preset=“default“ global_colors_info=“{}“]<\/p>\n
Maxim\u00e1lna v\u00fd\u0161ka odpo\u010dtov dane z piliera 3a sa ka\u017edoro\u010dne upravuje. Pre ro\u010dn\u00edk 2023 to bolo takto:<\/p>\n
Zamestnanci: maxim\u00e1lne 7 056 CHF<\/p>\n
Samostatne z\u00e1robkovo \u010dinn\u00e9 osoby bez d\u00f4chodkov\u00e9ho fondu: maxim\u00e1lne 35 280 CHF<\/p>\n
[\/et_pb_accordion_item][et_pb_accordion_item title=“Ako m\u00f4\u017eem u\u0161etri\u0165 na daniach so s\u00fakromn\u00fdm d\u00f4chodkov\u00fdm pl\u00e1nom?“ _builder_version=“4.17.6″ _module_preset=“default“ global_colors_info=“{}“ open=“off“]<\/p>\n
Feder\u00e1lna vl\u00e1da podporuje 3. pilier atrakt\u00edvnymi da\u0148ov\u00fdmi v\u00fdhodami, ktor\u00e9 v\u00e1m umo\u017e\u0148uj\u00fa dosiahnu\u0165 obrovsk\u00e9 da\u0148ov\u00e9 \u00faspory a zabezpe\u010di\u0165 bud\u00facnos\u0165.<\/p>\n
Najm\u00e4 pilier 3a sa pova\u017euje za rozumn\u00e9 opatrenie na da\u0148ov\u00fa optimaliz\u00e1ciu, a teda \u00fasporu.<\/p>\n
Da\u0148ov\u00e9 v\u00fdhody piliera 3a:<\/strong><\/p>\n Ro\u010dn\u00e9 poistn\u00e9 sa odpo\u010d\u00edtava z v\u00e1\u0161ho zdanite\u013en\u00e9ho pr\u00edjmu (a\u017e do z\u00e1konom stanovenej maxim\u00e1lnej v\u00fd\u0161ky). Da\u0148ov\u00e9 v\u00fdhody piliera 3b:<\/strong><\/p>\n Pravidelne financovan\u00e9 kapit\u00e1lov\u00e9 \u017eivotn\u00e9 poistenie je osloboden\u00e9 od dane z pr\u00edjmu. To ist\u00e9 plat\u00ed pri splnen\u00ed nasleduj\u00facich podmienok aj pre \u017eivotn\u00e9 poistenie financovan\u00e9 jednorazov\u00fdm poistn\u00fdm:<\/p>\n Poistn\u00e1 zmluva bola podp\u00edsan\u00e1 pred 66. narodeninami poistenca. [\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=“1_2″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_accordion open_toggle_background_color=“#f7f8fc“ closed_toggle_background_color=“#f7f8fc“ _builder_version=“4.17.6″ _module_preset=“default“ toggle_font=“|600|||||||“ toggle_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ border_radii=“on|6px|6px|6px|6px“ border_width_all=“0px“ locked=“off“ global_colors_info=“{}“][et_pb_accordion_item title=“Ako si dohodnem stretnutie online?“ open=“on“ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“]<\/p>\n Ak m\u00e1te z\u00e1ujem o konkr\u00e9tne poistenie alebo cenov\u00fa ponuku, m\u00f4\u017eete n\u00e1s kedyko\u013evek kontaktova\u0165 prostredn\u00edctvom online formul\u00e1ra, mailu, live chatu alebo telefonicky.<\/p>\n [\/et_pb_accordion_item][et_pb_accordion_item title=“Ak\u00fd je rozdiel medzi piliermi 3a a 3b?“ _builder_version=“4.17.6″ _module_preset=“default“ global_colors_info=“{}“ open=“off“]<\/p>\n Pilier 3 je ide\u00e1lny na \u0161etrenie pe\u0148az\u00ed a zabezpe\u010denie bud\u00facnosti. Rozli\u0161uje sa viazan\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie (pilier 3a) a flexibiln\u00e9 d\u00f4chodkov\u00e9 zabezpe\u010denie (pilier 3b): Vo v\u0161eobecnosti odpor\u00fa\u010dame kombin\u00e1ciu oboch.<\/p>\n Pilier 3a<\/strong> je zameran\u00fd na zabezpe\u010denie dostato\u010dn\u00e9ho pr\u00edjmu v starobe a vz\u0165ahuje sa na\u0148 z\u00e1konn\u00e9 ustanovenia t\u00fdkaj\u00face sa ro\u010dn\u00fdch do\u0161l\u00fdch platieb a d\u00e1tumu v\u00fdplaty. D\u00e1 sa financova\u0165 len z pr\u00e9mi\u00ed. Z\u00e1kon v\u0161ak povo\u013euje ka\u017ed\u00fd rok zaplati\u0165 do pl\u00e1nu len obmedzen\u00fa sumu. Tieto pr\u00edspevky si m\u00f4\u017eete zapo\u010d\u00edta\u0165 s da\u0148ou do maxim\u00e1lnej v\u00fd\u0161ky, \u010derpa\u0165 ich v\u0161ak m\u00f4\u017eete len pred odchodom do d\u00f4chodku za ur\u010dit\u00fdch podmienok. Medzi d\u00f4vody pred\u010dasn\u00e9ho v\u00fdberu patr\u00ed k\u00fapa nehnute\u013enosti na b\u00fdvanie, definit\u00edvne opustenie \u0160vaj\u010diarska alebo poberanie pln\u00e9ho invalidn\u00e9ho d\u00f4chodku.<\/p>\n Pilier 3b<\/strong> je flexibiln\u00fd, pokia\u013e ide o obdobie, pr\u00edjemcov a vyplaten\u00fa sumu. M\u00f4\u017ee by\u0165 financovan\u00fd z poistn\u00e9ho alebo jednorazovou platbou. Tento kapit\u00e1l je mo\u017en\u00e9 kedyko\u013evek vybra\u0165, ale nepodlieha \u017eiadnym da\u0148ov\u00fdm v\u00fdhod\u00e1m.<\/p>\n [\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ admin_label=“Agents“ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“2px||10px|||“ global_colors_info=“{}“][et_pb_row custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=“-33px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ locked=“off“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_divider color=“#006ef4″ divider_weight=“3px“ _builder_version=“4.16″ _module_preset=“default“ max_width=“100px“ custom_margin=“||0px|“ global_colors_info=“{}“][\/et_pb_divider][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“16px“ text_line_height=“2em“ header_font=“||||||||“ header_2_font=“||||||||“ header_2_font_size=“36px“ header_2_line_height=“1.4em“ max_width=“700px“ header_2_font_size_tablet=“30px“ header_2_font_size_phone=“24px“ header_2_font_size_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=“1_3,1_3,1_3″ custom_padding_last_edited=“on|phone“ _builder_version=“4.21.0″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“0px||||false|false“ custom_css_main_element=“display: flex;||flex-wrap: wrap;“ locked=“off“ global_colors_info=“{}“ theme_builder_area=“post_content“][et_pb_column type=“1_3″ _builder_version=“4.16″ _module_preset=“default“ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“ theme_builder_area=“post_content“][et_pb_blurb title=“Poistenie Vozidla“ url=“https:\/\/poistenie.ch\/poistenie-vozidla\/“ image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/06\/Poistenie-vozidla.png“ alt=“Poistenie vozidla“ content_max_width=“1100px“ _builder_version=“4.21.0″ _module_preset=“default“ header_font=“||||||||“ header_line_height=“1.6em“ body_font=“Montserrat|300|||||||“ body_font_size=“16px“ body_line_height=“2em“ background_color=“#ffffff“ text_orientation=“center“ custom_padding=“30px|30px|30px|30px|true|true“ animation_style=“zoom“ animation_intensity_zoom=“10%“ animation=“off“ link_option_url=“https:\/\/poistenie.ch\/poistenie-vozidla\/“ custom_css_main_element=“height: 100%;||padding: 20px 20px 10px;“ border_radii=“on|10px|10px|10px|10px“ box_shadow_style=“preset3″ box_shadow_vertical=“10px“ box_shadow_blur=“80px“ box_shadow_spread=“-10px“ box_shadow_color=“rgba(44,54,92,0.2)“ global_colors_info=“{}“ transform_styles__hover_enabled=“on|hover“ transform_scale__hover_enabled=“on|hover“ transform_translate__hover_enabled=“on|desktop“ transform_rotate__hover_enabled=“on|desktop“ transform_skew__hover_enabled=“on|desktop“ transform_origin__hover_enabled=“on|desktop“ transform_scale__hover=“102%|102%“ theme_builder_area=“post_content“]<\/p>\n
Z\u00e1robky (\u00faroky a odmeny) s\u00fa po\u010das obdobia osloboden\u00e9 od dane z pr\u00edjmov.
Pau\u0161\u00e1lne v\u00fdplaty s\u00fa zda\u0148ovan\u00e9 zn\u00ed\u017eenou osobitnou sadzbou.<\/p>\n
Poistenec dov\u0155\u0161il vek 60 rokov v \u010dase vyplatenia sumy.
Poistenie sa splat\u00ed najsk\u00f4r po piatich rokoch.
Poistn\u00edk a poisten\u00fd s\u00fa toto\u017en\u00ed.
Z\u00e1robky (\u00faroky a odmeny) s\u00fa po\u010das obdobia osloboden\u00e9 od dane z pr\u00edjmov.<\/p>\nPortf\u00f3lio Poisten\u00ed<\/h2>\n
![\"\ud83d\udc4d\"](\"https:\/\/static.xx.fbcdn.net\/images\/emoji.php\/v9\/t55\/1.5\/16\/1f44d.png\" "\\"\\"")
<\/span>![\"\ud83d\ude09\"](\"https:\/\/static.xx.fbcdn.net\/images\/emoji.php\/v9\/tb0\/1.5\/16\/1f609.png\" "\\"\\"")
<\/span> Patrik je profesion\u00e1l vo svojom odbore… m\u00f4\u017eme len vrelo odporu\u010di\u0165.<\/p>\n![\"\ud83d\ude4f\"](\"https:\/\/static.xx.fbcdn.net\/images\/emoji.php\/v9\/td9\/1.5\/16\/1f64f.png\" "\\"\\"")
<\/span><\/div>\n<\/div>\n![\"\ud83d\ude01\"](\"https:\/\/static.xx.fbcdn.net\/images\/emoji.php\/v9\/ta8\/1.5\/16\/1f601.png\" "\\"\\"")
„<\/span><\/div>\n![\"\ud83c\udf40\"](\"https:\/\/static.xx.fbcdn.net\/images\/emoji.php\/v9\/te0\/1.5\/16\/1f340.png\" "\\"\\"")
<\/span>„<\/p>\n