{"id":2002,"date":"2024-03-11T14:13:16","date_gmt":"2024-03-11T14:13:16","guid":{"rendered":"https:\/\/signetpensijas.lv\/?p=2002"},"modified":"2024-03-11T14:13:18","modified_gmt":"2024-03-11T14:13:18","slug":"kapec-pensiju-2-limena-uzkrajums-ir-jaiegulda","status":"publish","type":"post","link":"https:\/\/signetpensijas.lv\/en\/kapec-pensiju-2-limena-uzkrajums-ir-jaiegulda\/","title":{"rendered":"K\u0101p\u0113c pensiju 2. l\u012bme\u0146a uzkr\u0101jums ir j\u0101iegulda?"},"content":{"rendered":"<p>Lai izprastu, k\u0101 veidojas pensijas uzkr\u0101jums, tev j\u0101zina, ka Latvijas pensiju sist\u0113mu veido <a href=\"https:\/\/signetpensijas.lv\/en\/pensiju-sistema-latvija-ka-saprast-pensiju-planu-limenus\/\" target=\"_blank\" rel=\"noreferrer noopener\">tr\u012bs l\u012bme\u0146i<\/a>. Saska\u0146\u0101 ar pa\u0161laik valsts noteikto regul\u0113jumu \u2013 katru m\u0113nesi no tavas bruto algas vai citiem ien\u0101kumiem, par kuriem tiek maks\u0101tas soci\u0101l\u0101s iemaksas, 6% tiek ieskait\u012bti pensiju 2. l\u012bmen\u012b, ar m\u0113r\u0137i \u0161o naudu invest\u0113t da\u017e\u0101dos finan\u0161u instrumentos un uzkr\u0101t liel\u0101ku pensiju. Tas noz\u012bm\u0113, ka da\u013ca no tav\u0101m soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas iemaks\u0101m tiek ieguld\u012bta finan\u0161u un kapit\u0101la tirg\u016b, tostarp v\u0113rtspap\u012bros \u2013 viet\u0113jo uz\u0146\u0113mumu oblig\u0101ciju emisij\u0101s, riska kapit\u0101l\u0101 un noguld\u012bjumos bank\u0101s. \u0160is ieguld\u012bjums pal\u012bdz nodro\u0161in\u0101t tava pensijas kapit\u0101la v\u0113rt\u012bbas pieaugumu n\u0101kotn\u0113.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why it is good for you to save up pension in 2nd pillar scheme?<\/h2>\n\n\n\n<p>Pensiju 2. l\u012bme\u0146a galven\u0101 priek\u0161roc\u012bba ir iesp\u0113ja taj\u0101 eso\u0161o uzkr\u0101jumu uztic\u0113t pa\u0161a izv\u0113l\u0113tam p\u0101rvaldniekam, pievienojot to k\u0101dam no \u0161\u012b p\u0101rvaldnieka pensiju pl\u0101niem. P\u0101rvaldnieks var b\u016bt tikai atbilsto\u0161i licenc\u0113ta ieguld\u012bjumu p\u0101rvald\u012b\u0161anas sabiedr\u012bba, kuras speci\u0101listi labi p\u0101rzina finan\u0161u tirgu un invest\u012bciju iesp\u0113jas. Vi\u0146u uzdevums ir invest\u0113t tavu naudu akcij\u0101s un citos finan\u0161u instrumentos ar m\u0113r\u0137i audz\u0113t tavu pensijas uzkr\u0101jumu un attiec\u012bgi \u2013 vecuma pensijas apm\u0113ru.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101d\u0113\u013c nevar vienk\u0101r\u0161i kr\u0101t naudu kont\u0101, lai to p\u0113c tam izmantotu pensijai?<\/h2>\n\n\n\n<p>Gadiem ejot, nor\u0113\u0137inu kont\u0101 sakr\u0101t\u0101 nauda zaud\u0113s v\u0113rt\u012bbu infl\u0101cijas ietekm\u0113. Savuk\u0101rt, uzticot to pensiju 2. l\u012bme\u0146a pl\u0101na p\u0101rvaldniekam, \u0161ie l\u012bdzek\u013ci tiks ieguld\u012bti finan\u0161u tirg\u016b, kas \u013caus audz\u0113t to v\u0113rt\u012bbu. \u0160aj\u0101 gad\u012bjum\u0101 darbojas princips \u201cnauda pelna naudu\u201d, un tavs pensijas kapit\u0101ls ilgtermi\u0146\u0101 var iev\u0113rojami pieaugt un p\u0101rsp\u0113t infl\u0101cijas ietekmi, vai ar\u012b vismaz to da\u013c\u0113ji kompens\u0113t. Attiec\u012bgi ar pensiju 2. l\u012bme\u0146a pal\u012bdz\u012bbu iesp\u0113jams palielin\u0101t tavu sagaid\u0101mo vecuma pensijas lielumu.<\/p>\n\n\n\n<p>Tom\u0113r tas, <a href=\"https:\/\/signetpensijas.lv\/en\/cik-liela-varetu-but-tava-pensija\/\" target=\"_blank\" rel=\"noreferrer noopener\">cik liela b\u016bs tava pensija<\/a>, ir atkar\u012bgs no vair\u0101kiem faktoriem, tai skait\u0101, iemaksu lieluma, izv\u0113l\u0113t\u0101 ieguld\u012bjumu pl\u0101na ienes\u012bguma, un iemaksu ilguma.<\/p>\n\n\n\n<p>\u0160ie krit\u0113riji noteiks tavas pensijas apm\u0113ru, un ieguld\u012bjumu pl\u0101na da\u013cas v\u0113rt\u012bbas izmai\u0146as b\u016bs galvenais r\u0101d\u012bt\u0101js tava pensijas kapit\u0101la pieaugumam. Datus par uzkr\u0101to pensiju 2. l\u012bme\u0146a kapit\u0101lu vis\u0113rt\u0101k uzzin\u0101t pensiju 2. l\u012bme\u0146a dal\u012bbnieka konta izrakst\u0101, ko var lejupiel\u0101d\u0113t vienotaj\u0101 valsts un pa\u0161vald\u012bbu port\u0101l\u0101\u00a0<a href=\"https:\/\/latvija.gov.lv\/Services\/9418\" target=\"_blank\" rel=\"noreferrer noopener\">www.latvija.lv<\/a>.\u00a0K\u0101 las\u012bt pensiju 2. l\u012bme\u0146a dal\u012bbnieka konta izrakstu un kuriem r\u0101d\u012bt\u0101jiem piev\u0113rst uzman\u012bbu, uzzini <a href=\"https:\/\/signetpensijas.lv\/en\/kam-pieverst-uzmanibu-pensiju-2-limena-dalibnieka-konta-izraksta\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0161aj\u0101 rakst\u0101<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Your pension should constitute at least 70% of your pre-retirement income<\/h2>\n\n\n\n<p>Tiek uzskat\u012bts, ka pensiju&nbsp;pirmais un otrais l\u012bmenis kop\u0101 nodro\u0161in\u0101s tikai aptuveni 50% no taviem ien\u0101kumiem, ko sa\u0146emsi pirms pension\u0113\u0161an\u0101s. Tom\u0113r, lai saglab\u0101tu ierasto dz\u012bves kvalit\u0101ti, pensijas lielumam&nbsp;vajadz\u0113tu sasniegt vismaz 70% no pirmspensijas ien\u0101kumiem. To vari pan\u0101kt, savlaic\u012bgi s\u0101kot veikt br\u012bvpr\u0101t\u012bg\u0101s iemaksas pensiju 3. l\u012bmen\u012b un ieguldot \u0161o naudu pa\u0161a izv\u0113l\u0113ta p\u0101rvaldnieka pensiju 3. l\u012bme\u0146a pl\u0101n\u0101.<\/p>\n\n\n\n<p>Just like it happens in the&nbsp;<a href=\"https:\/\/signetpensijas.lv\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">2nd pension pillar<\/a>, p\u0101rvaldnieks invest\u0113s tavu naudu akcij\u0101s, v\u0113rstpap\u012bros un citos finan\u0161u instrumentos ar m\u0113r\u0137i audz\u0113t tavu pensijas uzkr\u0101jumu. B\u016btiska pensiju 3. l\u012bme\u0146a priek\u0161roc\u012bba ir tas, ka no sav\u0101m iemaks\u0101m taj\u0101 vari atg\u016bt 20% ien\u0101kuma nodok\u013ca atmaksu &nbsp;(iemaks\u0101m novirzot l\u012bdz 10 % no gada ien\u0101kuma un ne vair\u0101k k\u0101 4 000 eiro gad\u0101), k\u0101 ar\u012b sa\u0146emt uzkr\u0101to kapit\u0101lu pirms pension\u0113\u0161an\u0101s jau no 55 gadu vecuma.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K\u0101 izv\u0113l\u0113ties piem\u0113rot\u0101ko pensiju p\u0101rvaldnieku?<\/h2>\n\n\n\n<p>Piev\u0113rs uzman\u012bbu p\u0101rvald\u012bt\u0101ja pieredzei. P\u0101rvald\u012bt\u0101js ar ilg\u0101ku pieredzi b\u016bs piedz\u012bvojis finan\u0161u satricin\u0101jumus, kuru laik\u0101 tam ir bijusi iesp\u0113ja m\u0101c\u012bties rea\u0123\u0113t uz da\u017e\u0101d\u0101m kr\u012bzes situ\u0101cij\u0101m un t\u0101s atrisin\u0101t. Svar\u012bgs ir ar\u012b \u0123eogr\u0101fiskais ieguld\u012bjumu sadal\u012bjums. Ja l\u012bdzek\u013cu p\u0101rvald\u012bt\u0101js diversific\u0113 jeb sadala ieguld\u012bjumus da\u017e\u0101d\u0101s nozar\u0113s un pasaules re\u0123ionos, vi\u0146\u0161 var samazin\u0101t riskus finan\u0161u tirgus satricin\u0101juma br\u012b\u017eos.<\/p>\n\n\n\n<p>Piem\u0113ram, Signet Pensiju P\u0101rvalde IPAS veic ieguld\u012bjumus da\u017e\u0101dos ieguld\u012bjumu fondos, nodro\u0161inot pla\u0161u ieguld\u012bjumu diversifik\u0101ciju \u2013 \u0123eogr\u0101fiski, p\u0113c nozar\u0113m un p\u0113c akt\u012bvu klas\u0113m. Turkl\u0101t tiek invest\u0113ts ne tikai perspekt\u012bvos starptautiskajos, bet ar\u012b&nbsp; viet\u0113jos uz\u0146\u0113mumos, t\u0101d\u0113j\u0101di Signet Akt\u012bv\u0101 pl\u0101na dal\u012bbnieki var ne tikai vairot savu pensiju, pelnot no \u0161o uz\u0146\u0113mumu izaugsmes, bet ar\u012b atbalst\u012bt Latvijas ekonomikas izaugsmi.<\/p>","protected":false},"excerpt":{"rendered":"<p>Da\u013ca no tav\u0101m soci\u0101l\u0101s apdro\u0161in\u0101\u0161anas iemaks\u0101m tiek ieguld\u012bta finan\u0161u un kapit\u0101la tirg\u016b, tostarp v\u0113rtspap\u012bros \u2013 viet\u0113jo uz\u0146\u0113mumu oblig\u0101ciju emisij\u0101s, riska kapit\u0101l\u0101 un noguld\u012bjumos bank\u0101s. \u0160is ieguld\u012bjums pal\u012bdz nodro\u0161in\u0101t tava pensijas kapit\u0101la v\u0113rt\u012bbas pieaugumu n\u0101kotn\u0113.<\/p>","protected":false},"author":1,"featured_media":2006,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[1],"tags":[],"acf":[],"meta_box":[],"_links":{"self":[{"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/posts\/2002"}],"collection":[{"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/comments?post=2002"}],"version-history":[{"count":2,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/posts\/2002\/revisions"}],"predecessor-version":[{"id":2007,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/posts\/2002\/revisions\/2007"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/media\/2006"}],"wp:attachment":[{"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/media?parent=2002"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/categories?post=2002"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/signetpensijas.lv\/en\/wp-json\/wp\/v2\/tags?post=2002"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}