{"id":119937,"date":"2025-03-18T09:34:12","date_gmt":"2025-03-18T07:34:12","guid":{"rendered":"https:\/\/www.santaka.info\/?p=119937"},"modified":"2025-03-18T09:34:12","modified_gmt":"2025-03-18T07:34:12","slug":"apklausa-lietuviai-turi-sukaupe-didziausia-finansine-pagalve-baltijos-salyse","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/03\/18\/apklausa-lietuviai-turi-sukaupe-didziausia-finansine-pagalve-baltijos-salyse\/","title":{"rendered":"Apklausa: lietuviai turi sukaup\u0119 did\u017eiausi\u0105 finansin\u0119 pagalv\u0119 Baltijos \u0161alyse\u00a0"},"content":{"rendered":"<p><strong>Lietuviai atsakingiausiai Baltijos \u0161alyse planuoja savo finansus ir yra sukaup\u0119 did\u017eiausi\u0105 finansin\u0119 pagalv\u0119, rodo \u201eCitadele\u201c banko inicijuota Baltijos \u0161ali\u0173 gyventoj\u0173 apklausa. Apklausos duomenimis, net tre\u010ddalis (27 proc.) Lietuvos respondent\u0173 turi sukaup\u0119 didesn\u012f nei 6 m\u0117nesi\u0173 finans\u0173 rezerv\u0105, kur\u012f naudot\u0173 netik\u0117tai netek\u0119 pagrindinio pajam\u0173 \u0161altinio. Vis d\u0117lto, kas de\u0161imtas Lietuvoje neturi sukaup\u0119s jokio finansinio rezervo.&nbsp;<\/strong><\/p><p>Paklausti, kiek laiko gal\u0117t\u0173 padengti savo finansinius \u012fsipareigojimus, daugiau nei 6 m\u0117nesi\u0173 finansin\u0119 pagalv\u0119 nurod\u0117 turintys 27 proc. lietuvi\u0173, 14 proc. latvi\u0173 ir 18 proc. est\u0173.&nbsp;<\/p><p>Ma\u017eiau nei tris m\u0117nesius padengti turimus finansinius \u012fsipareigojimus gal\u0117t\u0173 35 proc. lietuvi\u0173, 44 proc. latvi\u0173 ir 48 proc. est\u0173 respondent\u0173. 4\u20136 m\u0117nesius save i\u0161laikyti gal\u0117t\u0173 16 proc. lietuvi\u0173, 12 proc. latvi\u0173 ir 14 proc. est\u0173 apklaust\u0173j\u0173.&nbsp;<\/p><p>\u201eFinansin\u0117 pagalv\u0117 \u2013 tai santaupos, skirtos padengti tam tikro laikotarpio b\u016btin\u0105sias i\u0161laidas, staiga netekus pagrindinio pajam\u0173 \u0161altinio, pavyzd\u017eiui, netekus darbo, rim\u010diau susirgus, darant karjeros pertrauk\u0105 ar staiga prireikus padengti netik\u0117tas dideles i\u0161laidas. \u012eprastai rekomenduojama sukaupti 6 m\u0117nesi\u0173 b\u016btin\u0105sias i\u0161laidas padengsiant\u012f finansin\u012f rezerv\u0105, ta\u010diau svarbu \u012fvertinti individuali\u0105 situacij\u0105. Esminis finansin\u0117s pagalv\u0117s principas \u2013 kad \u0161ie pinigai b\u016bt\u0173 greitai pasiekiami, tod\u0117l nerekomenduojama \u0161i\u0173 l\u0117\u0161\u0173 investuoti \u012f auk\u0161tos rizikos vertybinius popierius ar laikantis ilgalaik\u0117s investavimo strategijos\u201c, \u2013 sako \u201eCitadele\u201c banko Baltijos \u0161ali\u0173 klient\u0173 patirties tobulinimo centro vadov\u0117 Sandra Gim\u017eauskien\u0117.&nbsp;<\/p><p>Jos teigimu, siekiant suma\u017einti infliacijos \u012ftak\u0105 sukauptoms l\u0117\u0161oms bei apsisaugoti nuo pagund\u0173 pinigus i\u0161leisti kasdieniam vartojimui, vert\u0117t\u0173 apsvarstyti terminuotoj\u0173 ind\u0117li\u0173 ar taupom\u0173j\u0173 s\u0105skait\u0173 galimyb\u0119. &nbsp;<\/p><p>\u201eTerminuotieji ind\u0117liai, nors ir neu\u017edirba didelio pelno, palyginti su didesn\u0117s rizikos investavimo priemon\u0117mis, gali apsaugoti l\u0117\u0161as nuo infliacijos. Be to, tai daug lankstumo suteikianti taupymo priemon\u0117: \u017emogus gali rinktis \u012fvairios trukm\u0117s ind\u0117lius, o prireikus \u2013 gana greitai atsiimti l\u0117\u0161as. Gyventojai taip pat gali rinktis \u017ealiuosius ind\u0117lius ir taupom\u0105sias s\u0105skaitas, taip prisid\u0117dami prie tvarumo principais gr\u012fst\u0173 projekt\u0173 \u012fgyvendinimo. \u017dinoma, prie\u0161 pasira\u0161ant sutart\u012f, svarbu \u012fsigilinti \u012f paslaugos s\u0105lygas, palyginti jas rinkoje\u201c, \u2013 teigia S. Gim\u017eauskien\u0117. &nbsp;<\/p><p>Vis d\u0117lto, kas de\u0161imtas Lietuvos apklaustasis ir 19 proc. apklaust\u0173j\u0173 Latvijoje bei 14 proc. Estijoje neturi sukaup\u0119 jokio finansinio rezervo. &nbsp;<\/p><p>\u201eNetekus darbo ar susirgus Lietuvoje galime pasinaudoti valstyb\u0117s parama, ta\u010diau ji su laiku ma\u017e\u0117ja ir neb\u016btinai padengs turimus finansinius \u012fsipareigojimus. Papildoma finansin\u0117 pagalv\u0117 suteiks daugiau komforto ilgesn\u012f laik\u0105. Turintiems b\u016bsto ar kit\u0173 paskol\u0173 vert\u0117t\u0173 pasidom\u0117ti galimybe apsidrausti kredito gav\u0117jo ar s\u0105skait\u0173 draudimu, kuris gal\u0117t\u0173 padengti \u012fmok\u0173 dal\u012f, nutikus nelaimei ar praradus pajam\u0173 \u0161altin\u012f\u201c, \u2013 \u012f\u017evalgomis dalijasi S. Gim\u017eauskien\u0117.&nbsp;<\/p><p>Norintiems sukaupti finansin\u012f rezerv\u0105, \u201eCitadele\u201c banko atstov\u0117 pataria laikytis 50\u201330\u201320 taisykl\u0117s. Ji numato, kad b\u016btinosios i\u0161laidos netur\u0117t\u0173 vir\u0161yti 50 proc. m\u0117nesio pajam\u0173, laisvalaikio i\u0161laidos \u2013 30 proc., o taupymui ir investavimui kas m\u0117nes\u012f b\u016bt\u0173 atsidedama 20 proc. m\u0117nesio pajam\u0173.&nbsp;<\/p><p><em>\u201eCitadele\u201c banko u\u017esakymu reprezentatyvi\u0105 Baltijos \u0161ali\u0173 gyventoj\u0173 apklaus\u0105 atliko tyrim\u0173 agent\u016bra \u201eNorstat\u201c 2025 met\u0173 kov\u0105. Internetin\u0117s apklausos b\u016bdu Lietuvoje, Latvijoje ir Estijoje apklausta ma\u017eiausiai 1000 gyventoj\u0173 nuo 18 iki 74 met\u0173.<\/em>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Lietuviai atsakingiausiai Baltijos \u0161alyse planuoja savo finansus ir yra sukaup\u0119 did\u017eiausi\u0105 finansin\u0119 pagalv\u0119, rodo \u201eCitadele\u201c banko inicijuota Baltijos \u0161ali\u0173 gyventoj\u0173 apklausa. Apklausos duomenimis, net tre\u010ddalis (27 proc.) Lietuvos respondent\u0173 turi&#8230; <\/p>\n","protected":false},"author":13,"featured_media":119939,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"Asociatyvi Unsplash.com nuotr.","_FSMCFIC_featured_image_nocaption":"","_FSMCFIC_featured_image_hide":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[148,129,91],"tags":[],"class_list":["post-119937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rinka","category-tyrimas","category-verslas","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-scaled.jpg",2560,1922,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-300x225.jpg",300,225,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-768x577.jpg",768,577,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-1024x769.jpg",1024,769,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-1536x1153.jpg",1536,1153,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-2048x1538.jpg",2048,1538,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-600x451.jpg",600,451,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/verslas\/rinka\/\" rel=\"category tag\">Rinka<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/tyrimas\/\" rel=\"category tag\">Tyrimas<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/verslas\/\" rel=\"category tag\">Verslas<\/a>","tag_info":"Verslas","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/03\/Asociatyvi-nuotr._Unsplash-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/119937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/comments?post=119937"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/119937\/revisions"}],"predecessor-version":[{"id":119940,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/119937\/revisions\/119940"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/119939"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=119937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=119937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=119937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}