[et_pb_section fb_built=“1″ next_background_color=“#ffffff“ _builder_version=“4.17.4″ _module_preset=“default“ background_image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/05\/3-Pilier-Poistenie-vo-Svajciarsku.jpg“ module_alignment=“center“ min_height=“399px“ height=“100px“ max_height=“1000px“ bottom_divider_style=“mountains“ bottom_divider_height=“15px“ bottom_divider_repeat=“1x“ bottom_divider_flip=“horizontal“ global_colors_info=“{}“][et_pb_row _builder_version=“4.17.4″ _module_preset=“default“ custom_padding=“148px|||||“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat||||||||“ text_text_color=“#FFFFFF“ text_font_size=“18px“ header_font=“Montserrat|500|||||||“ header_text_align=“center“ header_text_color=“#f9f9f9″ header_font_size=“50px“ custom_margin=“0px||||false|false“ custom_margin_tablet=“-50px||||false|false“ custom_margin_phone=“-108px||||false|false“ custom_margin_last_edited=“on|tablet“ custom_padding=“5px||5px||false|false“ custom_padding_tablet=“5px||5px||false|false“ custom_padding_phone=“5px||5px||false|false“ custom_padding_last_edited=“on|tablet“ animation_style=“zoom“ animation_intensity_zoom=“5%“ header_font_size_tablet=“50px“ header_font_size_phone=“40px“ header_font_size_last_edited=“on|phone“ header_text_shadow_style=“preset3″ border_radii=“on|6px|6px|6px|6px“ box_shadow_style=“preset1″ box_shadow_color=“#FFFFFF“ global_colors_info=“{}“]<\/p>\n
P.G. | 31.05.2022<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ specialty=“on“ custom_padding_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin_tablet=““ custom_margin_phone=“|||110px|false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“||0px|||“ custom_padding_tablet=“||0px|||“ custom_padding_phone=“|0px||0px|false|false“ global_colors_info=“{}“][et_pb_column type=“1_4″ _builder_version=“4.16″ custom_padding=“|||“ global_colors_info=“{}“ custom_padding__hover=“|||“][et_pb_icon font_icon=“||divi||400″ icon_color=“#e0e0e0″ icon_width=“60px“ url=“https:\/\/www.facebook.com\/Poistenie-vo-\u0160vaj\u010diarsku-104568111464545\/“ url_new_window=“on“ align=“left“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin=“|||-35px||“ custom_margin_tablet=“-25px|||170px|false|false“ custom_margin_phone=“|||-65px|false|false“ custom_margin_last_edited=“on|tablet“ custom_padding_tablet=“0px||||false|false“ custom_padding_phone=“0px||||false|false“ custom_padding_last_edited=“on|tablet“ border_radii=“off|50px|50px|15px|50px“ global_colors_info=“{}“ icon_color__hover_enabled=“on|hover“ icon_color__hover=“#0C71C3″][\/et_pb_icon][et_pb_icon font_icon=“||divi||400″ icon_color=“#e0e0e0″ icon_width=“60px“ url=“https:\/\/www.instagram.com\/poistenie_vo_svajciarsku\/“ url_new_window=“on“ align=“left“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin=“|||-35px||“ custom_margin_tablet=“-98px|||280px|false|false“ custom_margin_phone=“-97px|||30px|false|false“ custom_margin_last_edited=“on|tablet“ custom_padding_tablet=““ custom_padding_phone=““ custom_padding_last_edited=“on|tablet“ border_radii=“off|50px|50px|15px|50px“ global_colors_info=“{}“ icon_color__hover_enabled=“on|hover“ icon_color__hover=“#fbad50″][\/et_pb_icon][et_pb_icon font_icon=“||fa||900″ icon_color=“#e0e0e0″ icon_width=“60px“ url=“mailto:patrik.ganobcik@pksfinanz.ch“ url_new_window=“on“ align=“left“ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin=“|||-35px||“ custom_margin_tablet=“-97px||0px|390px|false|false“ custom_margin_phone=“|0px||130px|false|false“ custom_margin_last_edited=“on|tablet“ custom_padding_tablet=“0px||||false|false“ custom_padding_phone=“0px|0px|0px|0px|false|false“ custom_padding_last_edited=“on|tablet“ border_radii=“off|50px|50px|15px|50px“ global_colors_info=“{}“ icon_color__hover_enabled=“on|hover“ icon_color__hover=“#383838″][\/et_pb_icon][et_pb_text disabled_on=“on|on|off“ _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_text_color=“#000000″ text_font_size=“17px“ text_letter_spacing=“1px“ header_font=“Montserrat|300|||||||“ header_text_align=“left“ header_font_size=“21px“ custom_margin=“78px|||-71px||“ custom_margin_tablet=“78px|||-71px||“ custom_margin_phone=“78px|||-71px||“ custom_margin_last_edited=“on|tablet“ custom_padding_tablet=““ custom_padding_phone=““ custom_padding_last_edited=“on|tablet“ animation_style=“zoom“ animation_direction=“right“ animation_intensity_zoom=“10%“ global_colors_info=“{}“]<\/p>\n
S\u00favisiace \u010cl\u00e1nky<\/p>\n
[\/et_pb_text][et_pb_divider color=“#000000″ divider_weight=“1px“ disabled_on=“on|on|off“ _builder_version=“4.17.4″ _module_preset=“default“ width=“81%“ custom_margin=“-23px|||-81px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ global_colors_info=“{}“][\/et_pb_divider][et_pb_blog posts_number=“1″ include_categories=“58,11″ show_thumbnail=“off“ use_manual_excerpt=“off“ excerpt_length=“0″ show_author=“off“ show_excerpt=“off“ show_pagination=“off“ offset_number=“1″ disabled_on=“on|on|off“ _builder_version=“4.17.4″ _module_preset=“default“ header_font=“Montserrat|300|||||||“ header_font_size=“16px“ header_line_height=“1.1em“ meta_font=“Montserrat|300|||||||“ meta_text_color=“#7CDA24″ meta_letter_spacing=“-1px“ meta_line_height=“0.6em“ pagination_font=“Montserrat|300|||||||“ pagination_text_color=“#000000″ pagination_font_size=“14px“ pagination_line_height=“1.6em“ max_width=“100%“ custom_margin=“-35px|0px|0px|-91px|false|false“ custom_padding=“0px||0px|0px|false|false“ 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text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ custom_padding=“||1px|||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n
Historicky n\u00edzke \u00farokov\u00e9 sadzby, neust\u00e1le sa zvy\u0161uj\u00faca d\u013a\u017eka \u017eivota: tieto dve skuto\u010dnosti predstavuj\u00fa pre 1. a 2. pilier ve\u013ek\u00e9 v\u00fdzvy. Klesaj\u00face konverzn\u00e9 kurzy zni\u017euj\u00fa aj starobn\u00e9 d\u00f4chodky z d\u00f4chodkov\u00e9ho fondu. Preto je o to d\u00f4le\u017eitej\u0161ie za\u010da\u0165 so s\u00fakromn\u00fdm sporen\u00edm v\u010das. Pilier 3a tu pon\u00faka ide\u00e1lne mo\u017enosti.<\/strong><\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n Zamestnanci si m\u00f4\u017eu v\u00fdrazne zn\u00ed\u017ei\u0165 odvody dobrovo\u013en\u00fdm platen\u00edm do s\u00fakromnej starobnej starostlivosti \u2013 pilier 3a. Kto do konca roka zaplat\u00ed maxim\u00e1lnu sumu do piliera 3a, m\u00f4\u017ee na daniach u\u0161etri\u0165 a\u017e 2000 CHF.<\/strong><\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|600|||||||“ text_text_color=“#000000″ text_font_size=“23px“ text_orientation=“justified“ custom_margin=“||10px|-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_font_tablet=“Montserrat|300|||||||“ text_font_phone=“Montserrat|600|||||||“ text_font_last_edited=“on|phone“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n Maxim\u00e1lna v\u00fd\u0161ka piliera 3a<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n Maxim\u00e1lne sumy pre pilier 3a sa z roka na rok l\u00ed\u0161ia. Tu n\u00e1jdete aktu\u00e1lne relevantn\u00e9 sumy.<\/span><\/p>\n [\/et_pb_text][et_pb_button button_url=“\/kontakt\/#formular“ url_new_window=“on“ button_text=“Chcete aj vy u\u0161etri\u0165 peniaze s 3a pilierom? Radi v\u00e1m v\u0161etko vysvetl\u00edme“ button_alignment=“left“ button_alignment_tablet=“left“ button_alignment_phone=“center“ button_alignment_last_edited=“on|phone“ _builder_version=“4.17.4″ _module_preset=“default“ custom_button=“on“ button_text_size=“20px“ button_text_color=“#FFFFFF“ button_bg_color=“#000da0″ button_use_icon=“off“ custom_margin=“|||-16px|false|false“ custom_margin_tablet=“|||-16px|false|false“ custom_margin_phone=“|0px||-110px|false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“|0px||0px|false|false“ custom_padding_last_edited=“on|phone“ animation_style=“zoom“ animation_intensity_zoom=“5%“ global_colors_info=“{}“ button_bg_color__hover_enabled=“on|hover“ button_bg_use_color_gradient__hover=“off“ button_bg_color__hover=“#000060″ button_bg_enable_color__hover=“on“ transform_translate__hover=“-19px|-19px“][\/et_pb_button][et_pb_text _builder_version=“4.20.2″ _module_preset=“default“ text_font=“Montserrat|600|||||||“ text_text_color=“#000000″ text_font_size=“23px“ text_orientation=“justified“ custom_margin=“||10px|-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_font_tablet=“Montserrat|300|||||||“ text_font_phone=“Montserrat|600|||||||“ text_font_last_edited=“on|phone“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n 3. pilier maxim\u00e1lna suma 2023<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.20.2″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ hover_enabled=“0″ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“ sticky_enabled=“0″]<\/p>\n Maxim\u00e1lna suma bola tento rok upraven\u00e1. Limity pre da\u0148ov\u00fd odpo\u010det pr\u00edspevkov z piliera 3a do 31. decembra 2023 s\u00fa nasledovn\u00e9:<\/span><\/p>\n – Pre zamestnancov: 7 056\u00a0CHF<\/strong><\/span><\/p>\n – Pre \u017eivnostn\u00edkov bez d\u00f4chodkov\u00e9ho fondu: 35 280 CHF<\/strong><\/span><\/p>\n [\/et_pb_text][et_pb_blurb image=“https:\/\/poistenie.ch\/wp-content\/uploads\/2022\/05\/3a-Pilier.jpg“ alt=“3a Pilier“ icon_alignment=“left“ _builder_version=“4.17.4″ _module_preset=“default“ module_alignment=“left“ custom_margin=“|||-104px||“ animation_style=“fade“ animation_duration=“2000ms“ 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%“][\/et_pb_blurb][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|600|||||||“ text_text_color=“#000000″ text_font_size=“23px“ text_orientation=“justified“ custom_margin=“||10px|-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_font_tablet=“Montserrat|300|||||||“ text_font_phone=“Montserrat|600|||||||“ text_font_last_edited=“on|phone“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n Pilier 3a: Jedna platba, dve v\u00fdhody<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n Ka\u017ed\u00fd vo veku 35 rokov, ktor\u00fd za\u010dne rok \u010do rok d\u00f4sledne plati\u0165 v z\u00e1konnej maxim\u00e1lnej sume, u\u0161etr\u00ed do d\u00f4chodku pribli\u017ene 40 000 CHF<\/strong> na daniach. Pre \u017eivnostn\u00edkov je to 300 000 CHF<\/strong> a viac.<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n Ka\u017ed\u00fd frank, ktor\u00fd zaplat\u00edte, sa v\u00e1m v starobe op\u00e4\u0165 zv\u00fdhodn\u00ed a pri v\u00fdplate sa zda\u0148uje miernou \u0161peci\u00e1lnou sadzbou. V \u010dasoch pochybnej bud\u00facnosti n\u00e1\u0161ho \u0161vaj\u010diarskeho starobn\u00e9ho zabezpe\u010denia je to nepochybne rozumn\u00e1 vec.<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|600|||||||“ text_text_color=“#000000″ text_font_size=“23px“ text_orientation=“justified“ custom_margin=“||10px|-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_font_tablet=“Montserrat|300|||||||“ text_font_phone=“Montserrat|600|||||||“ text_font_last_edited=“on|phone“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n 10 tipov, ako u\u0161etri\u0165 na daniach s 3a pilierom<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.18.0″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ text_orientation=“justified“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ text_orientation_tablet=“justified“ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“ global_colors_info=“{}“]<\/p>\n 1. Vyu\u017eitie limitu 3a<\/strong> je najjednoduch\u0161\u00ed sp\u00f4sob, ako u\u0161etri\u0165 ve\u013ea pe\u0148az\u00ed. Pilier 3a je mo\u017en\u00e9 uzavrie\u0165 v banke alebo pois\u0165ovni. Oba pon\u00fakaj\u00fa flexibilitu a v\u00fdnos.<\/span><\/p>\n 2. N\u00e1kup do d\u00f4chodkov\u00e9ho fondu:<\/strong> Dobrovo\u013en\u00e9 platby do d\u00f4chodkov\u00e9ho fondu s\u00fa tie\u017e odpo\u010d\u00edtate\u013en\u00e9 a m\u00f4\u017eu sa uskuto\u010dni\u0165, ak existuje medzera v kryt\u00ed. M\u00f4\u017eete vidie\u0165, \u010di m\u00e1te medzeru vo v\u00fdkaze d\u00f4chodkov\u00e9ho fondu.<\/span><\/p>\n 3. Doch\u00e1dzanie do pr\u00e1ce a stravovanie:<\/strong> \u010di u\u017e verejnou dopravou, bicyklom alebo autom \u2013 uve\u010fte cestovn\u00e9 n\u00e1klady medzi domovom a pracoviskom. Dokonca aj t\u00ed, ktor\u00ed musia jes\u0165 alebo spa\u0165 vonku, m\u00f4\u017eu vykon\u00e1va\u0165 zr\u00e1\u017eky, zvy\u010dajne vo forme pau\u0161\u00e1lnych platieb.<\/span><\/p>\n 4. V\u00fddavky na \u010fal\u0161ie vzdel\u00e1vanie a odborn\u00e9 vzdel\u00e1vanie:<\/strong> V mnoh\u00fdch kant\u00f3noch s\u00fa kurzy, odborn\u00e1 literat\u00fara, oble\u010denie, vybavenie a in\u00e9 v\u00fddavky spojen\u00e9 s odbornou \u010dinnos\u0165ou odpo\u010d\u00edtate\u013en\u00e9 bez dokladovania.<\/span><\/p>\n 5. Home office:<\/strong> Ak sa s\u00fakromn\u00e1 kancel\u00e1ria pravidelne vyu\u017e\u00edva na profesion\u00e1lnu pr\u00e1cu, \u010das\u0165 n\u00e1kladov na b\u00fdvanie si mo\u017eno odpo\u010d\u00edta\u0165 z dan\u00ed.<\/span><\/p>\n 6. Predplatenie dane:<\/strong> Niektor\u00e9 kant\u00f3ny pon\u00fakaj\u00fa lep\u0161iu \u00farokov\u00fa sadzbu ako ktor\u00fdko\u013evek sporiaci \u00fa\u010det, ak s\u00fa dane predplaten\u00e9. Na druhej strane oneskoren\u00e9 platby s\u00fa sankcionovan\u00e9 a\u017e 6 % \u00farokom.<\/span><\/p>\n 7. Dlh:<\/strong> \u00daroky z osobn\u00fdch p\u00f4\u017ei\u010diek, kreditn\u00fdch kariet a hypot\u00e9k s\u00fa odpo\u010d\u00edtate\u013en\u00e9. Zamestnanci si nem\u00f4\u017eu odpo\u010d\u00edta\u0165 n\u00e1klady na l\u00edzing.<\/span><\/p>\n 8. Lie\u010debn\u00e9 n\u00e1klady:<\/strong> Je mo\u017en\u00e9 odpo\u010d\u00edta\u0165 drah\u00e9 lie\u010debn\u00e9 n\u00e1klady \u2013 ako napr\u00edklad zubn\u00e9 o\u0161etrenie. V z\u00e1vislosti od kant\u00f3nu je hranica okolo 5 % \u010dist\u00e9ho pr\u00edjmu.<\/span><\/p>\n 9. Dary:<\/strong> Potvrdenia prilo\u017ete k da\u0148ov\u00e9mu priznaniu.<\/span><\/p>\n 10. Da\u0148ov\u00e9 poradenstvo:<\/strong> Ka\u017ed\u00fd, kto sa sp\u00fdta da\u0148ov\u00e9ho odborn\u00edka, m\u00e1 v\u00fdhodu. Bezplatn\u00e9 d\u00f4chodkov\u00e9 poradenstvo v\u00e1m tie\u017e poskytne cenn\u00e9 tipy na da\u0148ov\u00fa optimaliz\u00e1ciu.<\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.17.4″ _module_preset=“default“ text_font=“Montserrat|300|||||||“ text_font_size=“17px“ custom_margin=“|||-110px||“ animation_style=“zoom“ animation_intensity_zoom=“10%“ global_colors_info=“{}“]<\/p>\n Zdroj: Axa<\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=“1″ _builder_version=“4.17.4″ _module_preset=“default“ custom_margin=“||-40px||false|false“ custom_padding=“0px||0px||false|false“ global_colors_info=“{}“][et_pb_row _builder_version=“4.17.4″ _module_preset=“default“ custom_padding=“||0px|||“ global_colors_info=“{}“][et_pb_column type=“4_4″ _builder_version=“4.17.4″ _module_preset=“default“ global_colors_info=“{}“][et_pb_blog fullwidth=“off“ posts_number=“3″ include_categories=“58,11″ use_manual_excerpt=“off“ excerpt_length=“0″ show_author=“off“ show_excerpt=“off“ show_pagination=“off“ offset_number=“1″ _builder_version=“4.17.4″ _module_preset=“default“ header_font=“Montserrat||||||||“ header_line_height=“1.2em“ meta_font=“Montserrat|300|||||||“ meta_text_align=“left“ custom_margin_tablet=““ custom_margin_phone=“||-25px||false|false“ custom_margin_last_edited=“on|phone“ custom_padding_tablet=““ custom_padding_phone=“||0px||false|false“ custom_padding_last_edited=“on|phone“ animation_style=“flip“ animation_direction=“bottom“ border_width_all=“0px“ global_colors_info=“{}“][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Historisch tiefe Zinsen, stetig steigende Lebenserwartung: Diese zwei Fakten stellen die 1. und 2. 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