{"id":131096,"date":"2025-11-05T13:49:15","date_gmt":"2025-11-05T11:49:15","guid":{"rendered":"https:\/\/www.santaka.info\/?p=131096"},"modified":"2025-11-05T13:49:18","modified_gmt":"2025-11-05T11:49:18","slug":"marius-dubnikovas-pasitraukimas-is-ii-pensiju-sistemos-pakopos-kainuos-ir-dabar-ir-ateityje","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/11\/05\/marius-dubnikovas-pasitraukimas-is-ii-pensiju-sistemos-pakopos-kainuos-ir-dabar-ir-ateityje\/","title":{"rendered":"Marius Dubnikovas: pasitraukimas i\u0161 II pensij\u0173 sistemos pakopos kainuos ir dabar, ir ateityje"},"content":{"rendered":"

Kalb\u0117dami apie pensij\u0173 kaupim\u0105, da\u017enai susitelkiame \u012f dabart\u012f \u2013 \u012f tai, k\u0105 galime gauti ar prarasti \u0161iandien. Ta\u010diau pensij\u0173 sistema yra sukurta ne dabar\u010diai, o atei\u010diai \u2013 kai \u201eaktyvi\u0173\u201c pajam\u0173 neb\u0117ra, o gyvenimo kokyb\u0119 lemia tai, k\u0105 sukaup\u0117me anks\u010diau. Kokia bus m\u016bs\u0173 gyvenimo kokyb\u0117 po \u0161iemetin\u0117s pensij\u0173 sistemos reformos? Ir kiek t\u0105 kokyb\u0119 nulems m\u016bs\u0173 pa\u010di\u0173 veiksmai artimiausiais m\u0117nesiais?<\/strong><\/p>

Nuo 2026 m. sausio 1 d. \u012fsigaliosiantys poky\u010diai, suteiksiantys galimyb\u0119 pasitraukti i\u0161 pensij\u0173 sistemos II pakopos ir atsiimti dal\u012f sukaupt\u0173 l\u0117\u0161\u0173, i\u0161 pirmo \u017evilgsnio tikrai atrodo kaip gardus k\u0105snelis. Apie k\u0105 pagalvojama \u017eymiai re\u010diau \u2013 kad u\u017e kiekvien\u0105 gard\u0173 k\u0105snel\u012f tenka susimok\u0117ti.<\/p>

Pinigai \u201ei\u0161 oro\u201c<\/strong><\/p>

Turb\u016bt \u201egard\u017eiausias k\u0105snelis\u201c po pensijos sistemos pakeitim\u0173 nuo kit\u0173 met\u0173 bus galimyb\u0117 atsiimti pinigus i\u0161 II pakopos. \u0160i\u0105 galimyb\u0119 dauguma \u017emoni\u0173 visai pagr\u012fstai vertina kaip pinigus \u201ei\u0161 oro\u201c, bet tik nedaugelis \u012fsigilina, k\u0105 tai rei\u0161kia i\u0161 tikr\u0173j\u0173.<\/p>

Pirmiausiai der\u0117t\u0173 \u012fsis\u0105moninti, kad visos II pakopoje sukauptos sumos, kuri yra skelbiama pensij\u0173 kaupimo bendrov\u0117s tinklalapyje, atsiimti nepavyks. I\u0161 jos reikia atimti \u201eSodros\u201c ir valstyb\u0117s \u012fmokas, kurias galima rasti prisijungus prie \u201eSodros\u201c sistemos. Suma, gauta jas at\u0117mus, ir bus ta, kuri\u0105 gal\u0117site atsiimti.<\/p>

Taip pat ne visi atkreipia pakankam\u0105 d\u0117mes\u012f, kad pinigus \u201ei\u0161 oro\u201c gauna ir kaupdami II pakopoje: kiekvien\u0105 m\u0117nes\u012f valstyb\u0117 prisideda po 1,5 proc. nuo \u0161alies vidutinio darbo u\u017emokes\u010dio. 2024 m. \u0161i suma siek\u0117 364 eurus per metus, o kitais metais, prognozuojama, pakils iki 400 eur\u0173. Tai gali atrodyti nedaug, bet II pakopa yra vienintelis taupymo instrumentas Lietuvoje, kuriame galima gauti 400 eur\u0173 \u201ei\u0161 oro\u201c.<\/p>

Ilguoju laikotarpiu \u2013 kas ir yra kaupimo pensijai esm\u0117 \u2013 \u0161i i\u0161 pa\u017ei\u016bros nedidel\u0117 suma gali virsti de\u0161imtimis t\u016bkstan\u010di\u0173 eur\u0173. Pavyzd\u017eiui, kaupiant 30 met\u0173, net ir be investicin\u0117s gr\u0105\u017eos, valstyb\u0117s \u012fmok\u0173 suma bus daugiau nei 10 t\u016bkst. eur\u0173. O prid\u0117jus dar ir investicin\u012f prieaug\u012f, \u0161i suma \u201ei\u0161 oro\u201c dar labiau i\u0161auga.<\/p>

\u201ePinigai daro pinigus\u201c<\/strong><\/p>

Dar ma\u017eiau \u017emoni\u0173 apm\u0105sto \u2013 ar juo labiau pritaiko sau \u2013 fraz\u0119 \u201epinigai daro pinigus\u201c. Papildomo kaupimo pensijai atveju \u0161is principas irgi veikia, nes pensijos kaupime \u012fmok\u0173 dydis yra kur kas ma\u017eiau svarbus nei laikas. B\u016btent ilgalaikis nenutr\u016bkstamas investavimas leid\u017eia pasinaudoti vadinamuoju sud\u0117tini\u0173 pal\u016bkan\u0173 efektu, kai pinigai ima u\u017edirbin\u0117ti pinigus. Kaupim\u0105 nutraukus, nutr\u016bksta ir \u0161is akumuliatyvinio augimo mechanizmas.<\/p>

Kaupimas pensijai veikia pana\u0161iai kaip lavina: prad\u017eioje ji l\u0117ta, bet v\u0117liau prieaugis ir efektas ima did\u0117ti eksponenti\u0161kai. Tarkime, \u017emogus turi sukaup\u0119s 10 t\u016bkst. eur\u0173, kuri\u0173 metin\u0117 vidutin\u0117 gr\u0105\u017ea \u2013 7 proc. Jei \u0161ie pinigai fonde likt\u0173 dar 20 met\u0173, su tokia pat gr\u0105\u017ea jie i\u0161augt\u0173 iki daugiau nei 38 t\u016bkst. eur\u0173. Pasitraukus dabar, visa \u0161i potenciali nauda dings.<\/p>

Kokia bus senatv\u0117, sprend\u017eiame dabar<\/strong><\/p>

Dabar daromi sprendimai gali atrodyti nereik\u0161mingi, ta\u010diau jie gali virsti labai konkre\u010diomis ir, kai kuriais atvejais, skaud\u017eiomis pasekm\u0117mis senatv\u0117je. Lietuvos banko (LB) skai\u010diavimais, nutraukus kaupim\u0105 II pakopoje, pensijos pakeitimo norma gali suma\u017e\u0117ti 15\u201320 proc. Tai rei\u0161kia, kad \u017emogus, kuris \u0161iandien u\u017edirba 1200 eur\u0173 \u201e\u012f rankas\u201c, senatv\u0117je, skai\u010diuojant \u0161iandienos pinigais, vietoje 700 eur\u0173 (jei dalyvaut\u0173 II pakopoje) gal\u0117s tik\u0117tis tik apie 500\u2013550 eur\u0173.<\/p>

Nors per m\u0117nes\u012f tai yra 150\u2013200 eur\u0173 ma\u017eesn\u0117 suma, bet, pavyzd\u017eiui, per 20 pensijos met\u0173 tai sudaro apie 36\u201350 t\u016bkst. eur\u0173 prarast\u0173 pajam\u0173 \u2013 gerokai daugiau, nei galima gauti vienkartiniu atsi\u0117mimu dabar.<\/p>

LB taip pat prognozuoja, kad lietuvio, kuris pensijai papildomai apskritai nekaupia, vidutin\u0117 pajam\u0173 pakeitimo norma iki 2050 m. bus 40 proc., o iki 2070 m. \u2013 vos 33 proc. Kitaip tariant, tik\u0117tina, jog be papildomo kaupimo senatv\u0117je teks i\u0161gyventi vos u\u017e 40 proc. (ar dar ma\u017eiau) dabar vidutini\u0161kai gaunamo atlyginimo.<\/p>

Greiti pinigai \u0161iandien \u2013 skurdesn\u0117 senatv\u0117 ateityje<\/strong><\/p>

I\u0161 pirmo \u017evilgsnio atrodo, kad atsisakant papildomo kaupimo \u012fgyvendinama asmens laisv\u0117 pasirinkti, taip pat atsiranda pinig\u0173 \u201ei\u0161 oro\u201c, su kuriais galime elgtis kaip tinkami. Ta\u010diau realyb\u0117je \u0161is sprendimas primena bandym\u0105 pasodinti med\u012f, o po keleri\u0173 met\u0173 j\u012f i\u0161rauti \u2013 dar nesulaukus vaisi\u0173.<\/p>

Tod\u0117l prie\u0161 pasitraukiant i\u0161 II pensij\u0173 pakopos, verta sau u\u017eduoti paprast\u0105 klausim\u0105: ar \u0161iandien gauti keli t\u016bkstan\u010diai eur\u0173 verti to, kad senatv\u0117je kas m\u0117nes\u012f skai\u010diuotume centus? Nes tuomet pinig\u0173 \u201ei\u0161 oro\u201c tik\u0117tis jau nebegal\u0117sime.<\/p>","protected":false},"excerpt":{"rendered":"

Kalb\u0117dami apie pensij\u0173 kaupim\u0105, da\u017enai susitelkiame \u012f dabart\u012f \u2013 \u012f tai, k\u0105 galime gauti ar prarasti \u0161iandien. Ta\u010diau pensij\u0173 sistema yra sukurta ne dabar\u010diai, o atei\u010diai \u2013 kai \u201eaktyvi\u0173\u201c pajam\u0173… <\/p>\n","protected":false},"author":13,"featured_media":131097,"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":[24,123],"tags":[],"class_list":["post-131096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","category-ekonomika","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas.jpg",1200,800,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas.jpg",1200,800,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas.jpg",1200,800,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"Aktualijos<\/a> Ekonomika<\/a>","tag_info":"Ekonomika","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/M.Dubnikovas.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131096","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=131096"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131096\/revisions"}],"predecessor-version":[{"id":131098,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131096\/revisions\/131098"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/131097"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=131096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=131096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=131096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}