{"id":126872,"date":"2025-10-08T14:57:58","date_gmt":"2025-10-08T11:57:58","guid":{"rendered":"https:\/\/www.santaka.info\/?p=126872"},"modified":"2025-10-08T14:58:03","modified_gmt":"2025-10-08T11:58:03","slug":"kaupianciuju-antroje-pensiju-pakopoje-turtas-perkope-10-mlrd-euru","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/10\/08\/kaupianciuju-antroje-pensiju-pakopoje-turtas-perkope-10-mlrd-euru\/","title":{"rendered":"Kaupian\u010di\u0173j\u0173 antroje pensij\u0173 pakopoje turtas perkop\u0117 10 mlrd. eur\u0173"},"content":{"rendered":"

II pakopos pensij\u0173 fonduose Lietuvos gyventoj\u0173 sukauptas turtas perkop\u0117 10 mlrd. eur\u0173 sum\u0105. Po pasaulio rink\u0173 sukr\u0117timo 2025 m. prad\u017eioje, kuriuos nul\u0117m\u0117 kontraversi\u0161ki JAV ekonominiai sprendimai, situacija stabilizavosi. Per pirmus devynis \u0161i\u0173 met\u0173 m\u0117nesius nepaisant stipri\u0173 rink\u0173 svyravim\u0173 pirm\u0105j\u012f ketvirt\u012f Lietuvos II pakopos pensij\u0173 fond\u0173 u\u017edirba investicin\u0117 gr\u0105\u017ea yra teigiama ir siekia +3,2 proc., o nuo met\u0173 prad\u017eios juose sukauptas turtas padid\u0117jo 306 mln. eur\u0173.<\/strong><\/p>

Nuo 2004 met\u0173, kai Lietuvoje prad\u0117jo veikti pensij\u0173 kaupimo sistema d\u0117l s\u0117kming\u0173 investicij\u0173 gyventoj\u0173 nauda, t. y. u\u017edirbtas pelnas ir i\u0161mok\u0117tos l\u0117\u0161os, \u0161iuo metu siekia apie 3,75 mlrd. eur\u0173.<\/p>

\u201ePirmaisiais \u0161i\u0173 met\u0173 m\u0117nesiais JAV paskelbt\u0173 politini\u0173 ir ekonomini\u0173 sprendim\u0173 pasekmes jaut\u0117 finans\u0173 rinkos visame pasaulyje, Lietuvos pensij\u0173 fondai \u2013 taip pat. Nepaisant trumpalaiki\u0173 rink\u0173 svyravim\u0173, gyventoj\u0173 sukauptas turtas nuosekliai auga. \u0160ie metai taip pat i\u0161lieka pelningi, o pensij\u0173 fond\u0173 gr\u0105\u017ea juda auk\u0161tyn. Tai rodo, kad sistema veikia stabiliai ir  u\u017etikrina reali\u0105 naud\u0105 kaupiantiems\u201c, \u2013 konstatuoja Lietuvos investicini\u0173 ir pensij\u0173 fond\u0173 asociacija (LIPFA) vadovas Tadas Gudaitis.<\/p>

\u0160i\u0173 met\u0173 tre\u010di\u0105j\u012f ketvirt\u012f Lietuvos II pakopos pensij\u0173 fondai, valdomi gyvenimo ciklo principu, u\u017edirbo vidutin\u0119 +4,72 proc. gr\u0105\u017e\u0105 kaupiantiesiems. Nuo veiklos prad\u017eios 2019 metais \u0161i\u0173 fond\u0173 bendra gr\u0105\u017ea siekia apie +83,5 proc.<\/p>

Vienos am\u017eiaus grup\u0117s turtas II pakopoje jau beveik padvigub\u0117jo  <\/strong><\/p>

2025 m. i\u0161 vis\u0173 II pakopos pensij\u0173 fond\u0173 daugiausiai (+3,23 proc.) paaugo 65\u201371 m. am\u017eiaus kaupian\u010di\u0173j\u0173 turtas.<\/p>

Skai\u010diuojant nuo gyvenimo ciklo fond\u0173 veiklos prad\u017eios 2019-aisiais, did\u017eiausia investicine gr\u0105\u017ea \u0161iuo metu gali pasigirti 44\u201350 m. am\u017eiaus kaupiantieji. J\u0173 II pakopoje kaupiamas turtas per pastaruosius 6-erius metus jau beveik padvigub\u0117jo \u2013 i\u0161augo 98,5 proc. Vir\u0161 90 proc. siekiant\u012f kapitalo augim\u0105 nuo 2019 m. taip pat fiksuoja ir vis\u0173 v\u0117liau nei 1981 m. gimusi\u0173 Lietuvos pilie\u010di\u0173 am\u017eiaus grupi\u0173 fondai.<\/p>

Vyresni\u0173 nei 50 m. am\u017eiaus kaupian\u010di\u0173j\u0173 fondai po truput\u012f ma\u017eina investavimo rizik\u0105 ir jau laikosi konservatyvesn\u0117s investavimo politikos, tad ir j\u0173 bendra investicin\u0117 gr\u0105\u017ea yra \u0161iek tiek ma\u017eesn\u0117. Pavyzd\u017eiui, 51\u201357 m. am\u017eiaus kaupian\u010di\u0173j\u0173 fond\u0173 gr\u0105\u017eos vidurkis nuo 2019-\u0173j\u0173 yra 83 proc., o 58\u201364 am\u017eiaus grup\u0117s \u2013 \u0161iek tiek daugiau nei 47 proc.<\/p>

\u201e\u0160ie rezultatai rodo ne tik pasiteisinan\u010di\u0105 gyvenimo ciklo pagrindu veikian\u010di\u0173 pensij\u0173 fond\u0173 investavimo strategij\u0105, bet ir patvirtina teigin\u012f, kad papildomas kaupimas pensijai yra maratonas, o ne sprintas. Kuo anks\u010diau pradedama kaupti, tuo didesn\u0117s investicin\u0117s gr\u0105\u017eos galima tik\u0117tis. Anksti prad\u0117tos investicijos leid\u017eia sukauptam turtui augti spar\u010diau ir u\u017etikrinti didesn\u0119 finansin\u0119 naud\u0105 ateityje\u201c, \u2013 pabr\u0117\u017eia T. Gudaitis.<\/p>

III pakopos fond\u0173 gr\u0105\u017ea taip pat teigiama<\/strong><\/p>

Po met\u0173 prad\u017eioje vyravusi\u0173 rink\u0173 svyravim\u0173 III pakopos pensij\u0173 fondai s\u0117kmingai gr\u012f\u017eo \u012f augimo keli\u0105. Nuo met\u0173 prad\u017eios j\u0173 bendra gr\u0105\u017ea pasiek\u0117 2,65 proc., o per pastaruosius tris m\u0117nesius fond\u0173 vert\u0117 vidutini\u0161kai padid\u0117jo beveik 5 proc.<\/p>

\u201eTre\u010diojoje pakopoje geriausi\u0105 rezultat\u0105 per visus 2025-uosius metus demonstruoja mi\u0161raus investavimo fondai, kurie dal\u012f l\u0117\u0161\u0173 nukreipia \u012f bendrovi\u0173 akcijas, o dal\u012f \u012f skolos vertybinius popierius. J\u0173 investicij\u0173 svertinis vidurkis \u0161iais metais siekia 3,03 proc. Bendras III pakopos pensij\u0173 fonduose sukauptas turtas pama\u017eu, bet stabiliai auga \u2013 nuo \u0161i\u0173 met\u0173 prad\u017eios jis padid\u0117jo 53 mln. eur\u0173, o per pastaruosius 12 m\u0117nesi\u0173, nuo 2024 m. spalio 1 d. jau i\u0161augo 92 mln. eur\u0173\u201c, \u2013 skai\u010diuoja T. Gudaitis.<\/p>

Bendra III pakopos pensij\u0173 fonduose gyventoj\u0173 sukaupto turto vert\u0117 rugs\u0117jo pabaigoje vir\u0161ijo 482 mln. eur\u0173.<\/p>

II pakopos fond\u0173 kategorijos gr\u0105\u017eos vidurkis<\/strong><\/td>III ketv. (3 m\u0117n.)<\/strong><\/td>Nuo 2025 m. prad\u017eios (9 m\u0117n.)<\/strong><\/td>Nuo GCF veiklos prad\u017eios (2019 m.)<\/strong><\/td><\/tr>
Pensija 2003 – 2009<\/td>6,84%<\/td>1,77%<\/td>2,23%<\/td><\/tr>
Pensija 1996 \u2013 2002<\/td>6,02%<\/td>2,45%<\/td>91,25%<\/td><\/tr>
Pensija 1989 \u2013 1995<\/td>5,80%<\/td>2,56%<\/td>94,81%<\/td><\/tr>
Pensija 1982 \u2013 1988<\/td>5,89%<\/td>2,66%<\/td>96,95%<\/td><\/tr>
Pensija 1975 \u2013 1981<\/td>5,90%<\/td>2,68%<\/td>98,52%<\/td><\/tr>
Pensija 1968 \u2013 1974<\/td>4,39%<\/td>2,82%<\/td>83,02%<\/td><\/tr>
Pensija 1961 \u2013 1967<\/td>2,52%<\/td>2,83%<\/td>47,17%<\/td><\/tr>
Pensija 1954 \u2013 1960<\/td>2,21%<\/td>3,23%<\/td>20,00%<\/td><\/tr>
Turto i\u0161saugojimo fondas<\/td>1,48%<\/td>2,31%<\/td>16,52%<\/td><\/tr>
Bendras svorinis vidurkis<\/strong><\/td>4,72%<\/strong><\/td>2,58%<\/strong><\/td>83,54%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>
III pakopos fond\u0173 kategorijos gr\u0105\u017eos vidurkis<\/strong><\/td>2025 m. III ketv. (3 m\u0117n.)<\/strong><\/td>Nuo 2025 m. prad\u017eios (9 m\u0117n.)<\/strong><\/td><\/tr>
Didesn\u0117s akcij\u0173 dalies P3P fondai<\/td>5,9%<\/td>2,53%<\/td><\/tr>
Mi\u0161raus investavimo P3P fondai<\/td>3,56%<\/td>3,03%<\/td><\/tr>
Ma\u017eesn\u0117s rizikos P3P fondai<\/td>1,05%<\/td>2,52%<\/td><\/tr>
Bendras svertinis vidurkis<\/strong><\/td>4,93%<\/strong><\/td>4,25%<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>","protected":false},"excerpt":{"rendered":"

II pakopos pensij\u0173 fonduose Lietuvos gyventoj\u0173 sukauptas turtas perkop\u0117 10 mlrd. eur\u0173 sum\u0105. Po pasaulio rink\u0173 sukr\u0117timo 2025 m. prad\u017eioje, kuriuos nul\u0117m\u0117 kontraversi\u0161ki JAV ekonominiai sprendimai, situacija stabilizavosi. Per pirmus… <\/p>\n","protected":false},"author":13,"featured_media":126873,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","jetpack_post_was_ever_published":false,"_FSMCFIC_featured_image_caption":"","_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":[123],"tags":[],"class_list":["post-126872","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis.jpg",1356,906,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-768x513.jpg",768,513,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-1024x684.jpg",1024,684,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis.jpg",1356,906,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis.jpg",1356,906,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"Ekonomika<\/a>","tag_info":"Ekonomika","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/10\/Tadas-Gudaitis.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/126872","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=126872"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/126872\/revisions"}],"predecessor-version":[{"id":126874,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/126872\/revisions\/126874"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/126873"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=126872"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=126872"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=126872"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}