[et_pb_section fb_built=“1″ _builder_version=“4.10.7″ _module_preset=“default“ global_colors_info=“{}“][et_pb_row _builder_version=“4.10.7″ _module_preset=“default“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.10.7″ _module_preset=“default“ global_colors_info=“{}“][et_pb_text _builder_version=“4.14.9″ _module_preset=“default“ text_text_color=“#E02B20″ text_font_size=“20px“ hover_enabled=“0″ global_colors_info=“{}“ sticky_enabled=“0″]<\/p>\n
43 % \u017dIEN VO \u0160VAJ\u010cIARSKU SI NESPOR\u00cd NA STAROBU<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.14.7″ _module_preset=“default“ text_font_size=“17px“ global_colors_info=“{}“]<\/p>\n Mnoh\u00e9 \u017eeny o d\u00f4chodkovom zabezpe\u010den\u00ed neuva\u017euj\u00fa. Hlavn\u00fdmi d\u00f4vodmi s\u00fa nez\u00e1ujem o t\u00fato t\u00e9mu a nedostatok pe\u0148az\u00ed na sporenie na starobu. Pod\u013ea prieskumu Generali \u0160vaj\u010diarsko v\u0161ak t\u00e9ma d\u00f4chodkov\u00e9ho zabezpe\u010denia nabrala na v\u00fdzname najm\u00e4 v d\u00f4sledku kr\u00edzy koronav\u00edrusu.<\/p>\n [\/et_pb_text][et_pb_blurb image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/02\/Retirement.jpg“ image_icon_width=“101%“ _builder_version=“4.14.7″ _module_preset=“default“ custom_margin=“||-7px||false|false“ custom_padding=“||0px||false|false“ hover_transition_duration=“0ms“ global_colors_info=“{}“][\/et_pb_blurb][et_pb_text _builder_version=“4.14.7″ _module_preset=“default“ text_font_size=“17px“ global_colors_info=“{}“]<\/p>\n Vn\u00fatorn\u00e9 povedomie existuje: zabezpe\u010denie odchodu do d\u00f4chodku je ve\u013emi d\u00f4le\u017eit\u00e9 pre osem z desiatich \u0161vaj\u010diarskych \u017eien. Prekvapivo, v\u0161ak 43 % respondentiek si na starobu ne\u0161etr\u00ed. V\u00e4\u010d\u0161ina \u017eien si teda uvedomuje, \u017ee by mali myslie\u0165 na svoj d\u00f4chodok, ale ni\u010d s t\u00fdm nerobia. Mnoh\u00e9 taktie\u017e ani nevedia o medzer\u00e1ch v ich d\u00f4chodkovom fonde, ktor\u00e9 vznikli kv\u00f4li materskej dovolenke alebo pr\u00e1ci na \u010diasto\u010dn\u00fd \u00fav\u00e4zok.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.14.7″ _module_preset=“default“ text_font_size=“17px“ global_colors_info=“{}“]<\/p>\n \u017diadny \u00farok alebo rozpo\u010det sa nevz\u0165ahuje na d\u00f4chodkov\u00e9 zabezpe\u010denie<\/strong> <\/span><\/p>\n Nez\u00e1ujem je v\u00fdrazn\u00fd najm\u00e4 medzi osamel\u00fdmi matkami, z ktor\u00fdch asi 30 % pova\u017euje t\u00fato t\u00e9mu za ned\u00f4le\u017eit\u00fa. Dokonca aj medzi mlad\u00fdmi, slobodn\u00fdmi \u017eenami, ktor\u00e9 nemaj\u00fa deti, pribli\u017ene tretina op\u00fdtan\u00fdch e\u0161te nem\u00e1 z\u00e1ujem o d\u00f4chodkov\u00e9 zabezpe\u010denie. \u201eJedn\u00fdm z d\u00f4vodov je, \u017ee odchod do d\u00f4chodku sa zd\u00e1 by\u0165 e\u0161te \u010faleko. To by mohlo sk\u00f4r \u010di nesk\u00f4r sp\u00f4sobi\u0165 ve\u013ek\u00e9 finan\u010dn\u00e9 probl\u00e9my,\u201c hovor\u00ed Nadia Abdelli, odborn\u00ed\u010dka na produktov\u00fd mana\u017ement. Takmer polovica (44 %) op\u00fdtan\u00fdch \u017eien uv\u00e1dza, \u017ee nem\u00e1 dostatok pe\u0148az\u00ed na sporenie na starobu. \u010casto to hovoria star\u0161ie \u017eeny, ktor\u00e9 nemaj\u00fa deti. Rovnak\u00fd probl\u00e9m existuje aj pre 3. pilier: 40 % \u017eien si ne\u0161etr\u00ed na svoj s\u00fakromn\u00fd d\u00f4chodkoch, preto\u017ee ich rozpo\u010det na to nesta\u010d\u00ed. Z prieskumu vypl\u00fdva, \u017ee v\u00fd\u0161ka pr\u00edjmu priamo s\u00favis\u00ed s t\u00fdm, ako sa pristupuje k sporeniu na starobu. \u010ci\u017ee \u010d\u00edm vy\u0161\u0161\u00ed pr\u00edjem, t\u00fdm viac pe\u0148az\u00ed sa u\u0161etr\u00ed.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.14.7″ _module_preset=“default“ text_font_size=“17px“ global_colors_info=“{}“]<\/p>\n Narodenie prv\u00e9ho die\u0165a\u0165a je sp\u00fa\u0161\u0165a\u010dom \u00favah o d\u00f4chodkovom zabezpe\u010den\u00ed<\/strong><\/span><\/p>\n Pre mnoh\u00e9 \u017eeny (43 %) je narodenie prv\u00e9ho die\u0165a\u0165a k\u013e\u00fa\u010dov\u00fdm momentom, kedy za\u010dn\u00fa uva\u017eova\u0165 o zabezpe\u010den\u00ed v d\u00f4chodku. Na druhej strane, len nie\u010do vy\u0161e 70 % mu\u017eov sa star\u00e1 o svoj s\u00fakromn\u00fd d\u00f4chodok e\u0161te pred naroden\u00edm prv\u00e9ho die\u0165a\u0165a. Mnoh\u00e9 \u017eeny tak premrhaj\u00fa cenn\u00e9 roky, v ktor\u00fdch mohli investova\u0165 svoje \u00faspory, profitova\u0165 z pozit\u00edvnych v\u00fdnosov alebo plati\u0165 do 3. piliera.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.14.7″ _module_preset=“default“ text_font_size=“17px“ global_colors_info=“{}“]<\/p>\n Flexibilita a bezpe\u010dnos\u0165 s\u00fa najd\u00f4le\u017eitej\u0161ie aspekty pri v\u00fdbere mo\u017enosti sporenia<\/strong> <\/span><\/p>\n Pre \u017eeny, ktor\u00e9 si sporia na starobu, je d\u00f4le\u017eit\u00e1 najm\u00e4 flexibilita spolu s vysokou mierou istoty. Mu\u017ei maj\u00fa r\u00f4zne priority: istota je pre nich tie\u017e d\u00f4le\u017eit\u00e1, no z\u00e1rove\u0148 chc\u00fa ma\u0165 \u010do najv\u00e4\u010d\u0161ie v\u00fdnosy. \u201eZatia\u013e \u010do mu\u017ei sa zameriavaj\u00fa viac na zisk, \u017eeny chc\u00fa najm\u00e4 flexibilitu, pokia\u013e ide o ich \u017eivotn\u00fa situ\u00e1ciu, ktor\u00e1 sa neust\u00e1le men\u00ed. V\u00fdmenou za to akceptuj\u00fa ni\u017e\u0161ie v\u00fdnosy,\u201c hovor\u00ed Abdelli.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.14.7″ _module_preset=“default“ text_font_size=“17px“ global_colors_info=“{}“]<\/p>\n Pand\u00e9mia koronav\u00edrusu sp\u00f4sobila prehodnotenie s\u00fakromn\u00fdch d\u00f4chodkov<\/strong> <\/span><\/p>\n T\u00e9ma d\u00f4chodkov\u00e9ho zabezpe\u010denia sa v porovnan\u00ed s predch\u00e1dzaj\u00facim rokom stala d\u00f4le\u017eitej\u0161ou pre tretinu op\u00fdtan\u00fdch \u017eien. Najm\u00e4 medzi t\u00fdmi, ktor\u00e9 s\u00fa vo vz\u0165ahu a maj\u00fa deti. Pand\u00e9mia koronav\u00edrusu vrhla nov\u00e9 svetlo na \u017eivotn\u00e9 a pracovn\u00e9 situ\u00e1cie, a teda aj na t\u00e9mu d\u00f4chodkov\u00e9ho zabezpe\u010denia. Okrem pand\u00e9mie, ktor\u00e1 prich\u00e1dza s nov\u00fdmi soci\u00e1lnymi a ekonomick\u00fdmi probl\u00e9mami, existuj\u00fa aj \u010fal\u0161ie faktory, v\u010faka ktor\u00fdm je t\u00e9ma aktu\u00e1lnej\u0161ia. Patr\u00ed medzi ne vo v\u0161eobecnosti starnutie alebo bl\u00ed\u017eiaci sa odchod do d\u00f4chodku. Pre op\u00fdtan\u00fdch je d\u00f4le\u017eit\u00e9, aby mali d\u00f4chodkov\u00e9 zabezpe\u010denie, ktor\u00e9 mo\u017eno prisp\u00f4sobi\u0165 ich individu\u00e1lnej situ\u00e1cii. D\u00f4chodkov\u00fd produkt mus\u00ed by\u0165 tie\u017e \u013eahko pochopite\u013en\u00fd a priamo\u010diary.<\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.10.7″ _module_preset=“default“ global_colors_info=“{}“]Zdroj: Generali[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" 43 % \u017dIEN VO \u0160VAJ\u010cIARSKU SI NESPOR\u00cd NA STAROBUMnoh\u00e9 \u017eeny o d\u00f4chodkovom zabezpe\u010den\u00ed neuva\u017euj\u00fa. Hlavn\u00fdmi d\u00f4vodmi s\u00fa nez\u00e1ujem o t\u00fato t\u00e9mu a nedostatok pe\u0148az\u00ed na sporenie na starobu. Pod\u013ea prieskumu Generali \u0160vaj\u010diarsko v\u0161ak t\u00e9ma d\u00f4chodkov\u00e9ho zabezpe\u010denia nabrala na v\u00fdzname najm\u00e4 v d\u00f4sledku kr\u00edzy koronav\u00edrusu.Vn\u00fatorn\u00e9 povedomie existuje: zabezpe\u010denie odchodu do d\u00f4chodku je ve\u013emi d\u00f4le\u017eit\u00e9 pre osem […]<\/p>\n","protected":false},"author":1,"featured_media":30026,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","footnotes":""},"categories":[11],"tags":[35,36,37,40,39],"class_list":["post-30034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-zdravie","tag-poistenie","tag-poistenie-vo-svajciarsku","tag-sporenie-na-dochodok","tag-svajciarsko","tag-zdravotne-poistenie"],"_links":{"self":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/posts\/30034","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/comments?post=30034"}],"version-history":[{"count":0,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/posts\/30034\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/media\/30026"}],"wp:attachment":[{"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/media?parent=30034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/categories?post=30034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/poistenie.ch\/de\/wp-json\/wp\/v2\/tags?post=30034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}