[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.atale.sk\/zivnostnici-a-nelahka-otazka-financneho-zabezpecenia-na-starobu\/#Article","mainEntityOfPage":"https:\/\/www.atale.sk\/zivnostnici-a-nelahka-otazka-financneho-zabezpecenia-na-starobu\/","headline":"\u017divnostn\u00edci a ne\u013eahk\u00e1 ot\u00e1zka finan\u010dn\u00e9ho zabezpe\u010denia na starobu","name":"\u017divnostn\u00edci a ne\u013eahk\u00e1 ot\u00e1zka finan\u010dn\u00e9ho zabezpe\u010denia na starobu","description":"Ot\u00e1zka d\u00f4chodku, respekt\u00edve finan\u010dn\u00e9ho zabezpe\u010denia na starobu tr\u00e1pi v dne\u0161nej dobe nejedn\u00e9ho z n\u00e1s. Hold, be\u017en\u00fd \u010dlovek si s t\u00fdmto probl\u00e9mom zrejme bude musie\u0165 dopom\u00f4c\u0165 i s\u00e1m, to ist\u00e9 plat\u00ed najm\u00e4 pre podnikate\u013eov, \u010di\u017ee \u017eivnostn\u00edkov. Ako vrav\u00edm, ot\u00e1zka staroby tr\u00e1pi nejedn\u00e9ho z n\u00e1s, robotn\u00edka ako aj \u017eivnostn\u00edka, a ani nie sn\u00e1\u010f kv\u00f4li bo\u013eav\u00fdm k\u013abom, ako […]","datePublished":"2025-03-01","dateModified":"2025-03-01","author":{"@type":"Person","@id":"https:\/\/www.atale.sk\/author\/#Person","name":"","url":"https:\/\/www.atale.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"atale.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.atale.sk\/wp-content\/uploads\/img_a297448_w16757_t1551283596.jpg","url":"https:\/\/www.atale.sk\/wp-content\/uploads\/img_a297448_w16757_t1551283596.jpg","height":0,"width":0},"url":"https:\/\/www.atale.sk\/zivnostnici-a-nelahka-otazka-financneho-zabezpecenia-na-starobu\/","wordCount":448,"articleBody":"Ot\u00e1zka d\u00f4chodku, respekt\u00edve finan\u010dn\u00e9ho zabezpe\u010denia na starobu tr\u00e1pi v dne\u0161nej dobe nejedn\u00e9ho z n\u00e1s. Hold, be\u017en\u00fd \u010dlovek si s t\u00fdmto probl\u00e9mom zrejme bude musie\u0165 dopom\u00f4c\u0165 i s\u00e1m, to ist\u00e9 plat\u00ed najm\u00e4 pre podnikate\u013eov, \u010di\u017ee \u017eivnostn\u00edkov. Ako vrav\u00edm, ot\u00e1zka staroby tr\u00e1pi nejedn\u00e9ho z n\u00e1s, robotn\u00edka ako aj \u017eivnostn\u00edka, a ani nie sn\u00e1\u010f kv\u00f4li bo\u013eav\u00fdm k\u013abom, ako sk\u00f4r z poh\u013eadu finan\u010dnej ot\u00e1zky. Samoplatitelia a \u017eivnostn\u00edci tak maj\u00fa z ve\u013ekej \u010dasti tendenciu odklada\u0165 si najni\u017e\u0161ie \u010diastky poistn\u00e9ho, nako\u013eko to pova\u017euj\u00fa predov\u0161etk\u00fdm za s\u00fa\u010dasn\u00e9 \u0161etrenie n\u00e1kladmi a mo\u017eno z ist\u00e9ho smeru svoju zabezpe\u010den\u00fa bud\u00facnos\u0165. Prakticky si to povedzme na rovinu- nechce sa n\u00e1m z r\u00fak d\u00e1va\u0165 viac, ako si mysl\u00edme, \u017ee by bolo nutn\u00e9. Chtiac-nechtiac sa tak v pr\u00edpade ukladania poistn\u00e9ho chceme uspokoji\u0165 s najni\u017e\u0161ou \u010diastkou. Faktor v\u0161ak zohr\u00e1 aj ist\u00e9 psychologick\u00e9 h\u013eadisko, kedy v podstate len m\u00e1lokto z n\u00e1s pozn\u00e1 svojho bud\u00faceho ja a ide o ist\u00fd pocit nevery, kedy si mysl\u00edme, \u017ee ukladan\u00edm tejto \u010diastky sa vlastne ochudob\u0148ujeme. Nad soci\u00e1lou ekonomikou v\u0161ak svieti varovn\u00fd prst a takmer nikto z n\u00e1s nie je na starobu v bezpe\u010d\u00ed. Nahrad\u00ed n\u00e1s mlad\u00e1 krv a zostaneme nepotrebn\u00ed. No a \u00faspory? Zostali nejak\u00e9 \u00faspory? Ceny a poplatky m\u00f4\u017eu by\u0165 o dek\u00e1dy rokov ove\u013ea vy\u0161\u0161ie a cel\u00fa na\u0161u situ\u00e1ciu to riadne skomplikuje. Kr\u00e1tkodob\u00e9 finan\u010dn\u00e9 sporenie je n\u00e1m s\u00edce z ist\u00e9ho h\u013eadiska s\u00fa\u010dasne sympatick\u00e9, ale finan\u010dn\u00fd analytik by ur\u010dite radil pozrie\u0165 sa o nieko\u013eko rokov \u010falej. Pokia\u013e sa zamysl\u00edme nad negat\u00edvnym dopadom ekonomiky 21. storo\u010dia a ot\u00e1zku zabezpe\u010denia slovensk\u00e9ho ob\u010dana, bu\u010fme \u00faprimn\u00ed- beh\u00e1 \u00e1ma mr\u00e1z po chrbte. Nehovoriac o tom, ko\u013ek\u00fdm d\u00f4chodcom dnes chod\u00ed na n\u00e1v\u0161tevu exek\u00facia, pri\u010dom ide z ve\u013ekej \u010dasti o poctiv\u00fdch \u013eud\u00ed, ktor\u00ed cel\u00fd \u017eivot pracovali, no nedok\u00e1zali sa prisp\u00f4sobi\u0165 nov\u00e9mu re\u017eimu kapitalizmu. Tento n\u00e1m vlastne vidite\u013ene vrav\u00ed, aby sme si svoju starobu rozhodne zabezpe\u010dili i my sami a prioritn\u00fdm by tak pre n\u00e1s mal by\u0165 nie prv\u00fd, ale predov\u0161etk\u00fdm druh\u00fd pilier. Do prv\u00e9ho vraz\u00edme potrebn\u00e9 minimum, ale druh\u00fd je v podstate na\u0161im nefal\u0161ovan\u00fdm zrkadlom a odpove\u010fou dne\u0161n\u00e9ho postoja k n\u00e1\u0161mu bud\u00facemu ja.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u017divnostn\u00edci a ne\u013eahk\u00e1 ot\u00e1zka finan\u010dn\u00e9ho zabezpe\u010denia na starobu","item":"https:\/\/www.atale.sk\/zivnostnici-a-nelahka-otazka-financneho-zabezpecenia-na-starobu\/#breadcrumbitem"}]}]