{"id":131679,"date":"2025-11-21T11:41:19","date_gmt":"2025-11-21T09:41:19","guid":{"rendered":"https:\/\/www.santaka.info\/?p=131679"},"modified":"2025-11-21T11:41:23","modified_gmt":"2025-11-21T09:41:23","slug":"ii-pensiju-pakopa-kaupimo-stabdymo-kaina-tukstanciai-euru","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/11\/21\/ii-pensiju-pakopa-kaupimo-stabdymo-kaina-tukstanciai-euru\/","title":{"rendered":"II pensij\u0173 pakopa: kaupimo stabdymo kaina \u2013 t\u016bkstan\u010diai eur\u0173"},"content":{"rendered":"<p><strong>2026 metais \u012fsigaliosianti II pensij\u0173 pakopos reforma numato \u012fvarius pakeitimus, nulemsian\u010dius, kaip gyventojai toliau kaups l\u0117\u0161as savo atei\u010diai. Sistemingas kaupimas pensijai padeda u\u017esitikrinti stabilesnes pajamas senatv\u0117je, pasitelkiant tiek asmenines \u012fmokas, tiek valstyb\u0117s paskat\u0105. Art\u0117jant poky\u010diams, kai kurie svarsto laikinai sustabdyti kaupim\u0105, ta\u010diau ekspertai primena, kad net trumpalaikio stabdymo kaina <\/strong>&nbsp;\u2013<strong> t\u016bkstan\u010diai eur\u0173.<\/strong><\/p><p>\u201eJei jums II pensij\u0173 pakopos fonde sukaupta pinig\u0173 suma atrodo pakankamai didel\u0117, mano patarimas b\u016bt\u0173 nepertraukti kaupimo. Su santaupomis rizikuoti paprastai ry\u017etasi tik patyr\u0119 investuotojai, kurie turi papildom\u0173 pasyvi\u0173 pajam\u0173 \u0161altini\u0173 ir gerai i\u0161mano investavimo rink\u0105\u201c, &nbsp;\u2013 sako Tadas Gudaitis, Lietuvos investicini\u0173 ir pensij\u0173 fond\u0173 asociacijos (LIPFA) vadovas.<\/p><p>Jei II pensij\u0173 pakopos l\u0117\u0161os bus j\u016bs\u0173 vienintelis pajam\u0173 \u0161altinis \u0161alia \u201eSodros\u201c i\u0161mok\u0173, ekspertas pataria labai gerai pagalvoti prie\u0161 darant bet kokius pakeitimus.<\/p><p>Vienas visuomen\u0117je svarstom\u0173 variant\u0173 \u2013 metams ar keliems sustabdyti kaupim\u0105, taip laikinai keliomis de\u0161imtimis ar kiek daugiau eur\u0173 pasididinant darbo u\u017emokest\u012f. Klaidingai tikimasi, kad \u012ftaka b\u016bsimai pensijai bus beveik nepastebima.<\/p><p>\u201eInvestavimo rinkoje labai svarbus veiksnys ne tik investuojama suma, bet ir laikas. Jei metin\u0117 investicij\u0173 gr\u0105\u017ea yra 10 proc., tai 100 eur\u0173 po met\u0173 virs 110 eur\u0173 ir toliau augs jau \u0161i suma. Metams sustabd\u0119 kaupim\u0105 II pensij\u0173 pakopoje, j\u016bs prarasite t\u016bkstan\u010dius eur\u0173. Net ir u\u017edirbdami dvigub\u0105 vidutin\u012f atlyginim\u0105, per metus sutaupysite apie 720 eur\u0173, ta\u010diau \u0161i finansin\u0117 nauda neatsveria praradim\u0173: sukauptas turtas augs l\u0117\u010diau, o b\u016bsim\u0105 pensijos i\u0161mok\u0105 gausite ma\u017eesn\u0119\u201c, &nbsp;\u2013 sako T. Gudaitis.<\/p><p>Pavyzd\u017eiui, 2010 m. II pensij\u0173 pakopoje prad\u0117j\u0119s kaupti l\u0117\u0161as 22 met\u0173 am\u017eiaus gyventojas, jei visuomet u\u017edirbt\u0173 vidutin\u012f darbo u\u017emokest\u012f, per 43 metus iki pensijos sukaupt\u0173 beveik 180 t\u016bkst. eur\u0173. Vos metams sustabd\u017eius \u0161\u012f proces\u0105 suma suma\u017e\u0117t\u0173 apie 5 t\u016bkst. eur\u0173. Dar vieneri metai kaupimo stabdymo \u0161i\u0105 sum\u0105 augint\u0173 daugiau nei dvigubai, priklausomai nuo pasirinkto investicij\u0173 rizikos laipsnio.<\/p><p>Drasti\u0161kiau sum\u0105 suma\u017eint\u0173 sprendimas kaupim\u0105 stabdyti iki pat pensijos. Nors sukaupta suma toliau b\u016bt\u0173 investuojama, sulaukus pensinio am\u017eiaus II pensij\u0173 pakopos fonde b\u016bt\u0173 sukaupta vos 56 t\u016bkst. eur\u0173. Tai rei\u0161kia, kad \u0161alia \u201eSodros\u201c pensijos j\u016bs gautum\u0117te tik apie tre\u010ddal\u012f galimos papildomos sumos.<\/p><p>\u201eDabar vie\u0161ojoje erdv\u0117je sklando daug pasi\u016blym\u0173, kaip geriau investuoti II pensij\u0173 pakopai atidedamas l\u0117\u0161as. Da\u017enai pateikiant skai\u010diavimus nutylima, kad II pensij\u0173 pakopoje prie j\u016bs\u0173 mokamos sumos dar prisideda ir valstyb\u0117. Kad pasirinktas kitas investavimo kelias atne\u0161t\u0173 daugiau finansin\u0117s naudos, nei II pakopos pensij\u0173 fondai, jis tur\u0117t\u0173 b\u016bti labai rizikingas. O didesn\u0117 rizika visada rei\u0161kia ir didesn\u0119 tikimyb\u0119, kad pinig\u0173 suma ne padid\u0117s, o suma\u017e\u0117s. &nbsp;Neturint didel\u0117s investavimo patirties, nemokant naudoti sud\u0117ting\u0173 investavimo strategij\u0173, vargu ar rinkoje rasite patrauklesn\u012f investavimo model\u012f, nei II pensij\u0173 pakopa\u201c, \u2013 &nbsp;\u012fsitikin\u0119s T. Gudaitis.<\/p><p>LIPFA u\u017esakymu atlikta kompanijos \u201eSpinter tyrimai\u201c apklausa parod\u0117, kad 36 proc. II pensij\u0173 pakopoje kaupian\u010di\u0173 papildom\u0105 senatv\u0117s pensij\u0105 tvirtai apsisprend\u0119 nieko nekeisti, o 20 proc. dar n\u0117ra pri\u0117m\u0119 sprendimo k\u0105 darys.<\/p><p>Apklausos duomenimis, svarbiausia prie\u017eastis, d\u0117l kurios \u017emon\u0117s nusprend\u0119 t\u0119sti kaupim\u0105 II pakopoje, yra patogumas. Net 55 proc. respondent\u0173 pabr\u0117\u017e\u0117, jog labiausiai juos motyvuoja tai, kad l\u0117\u0161os b\u016bsimai pensijai auga automati\u0161kai, nereikalaujant jokio papildomo \u012fsitraukimo ar sud\u0117ting\u0173 sprendim\u0173.&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>2026 metais \u012fsigaliosianti II pensij\u0173 pakopos reforma numato \u012fvarius pakeitimus, nulemsian\u010dius, kaip gyventojai toliau kaups l\u0117\u0161as savo atei\u010diai. Sistemingas kaupimas pensijai padeda u\u017esitikrinti stabilesnes pajamas senatv\u0117je, pasitelkiant tiek asmenines \u012fmokas,&#8230; <\/p>\n","protected":false},"author":13,"featured_media":123017,"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":[123,30],"tags":[],"class_list":["post-131679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomika","category-lietuvoje","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis.jpg",1024,683,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis.jpg",1024,683,false],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis.jpg",1024,683,false],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis.jpg",1024,683,false],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/kitos-temos\/ekonomika\/\" rel=\"category tag\">Ekonomika<\/a> <a href=\"https:\/\/www.santaka.info\/index.php\/category\/lietuvoje\/\" rel=\"category tag\">Lietuvoje<\/a>","tag_info":"Lietuvoje","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/06\/Tadas-Gudaitis.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131679","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=131679"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131679\/revisions"}],"predecessor-version":[{"id":131680,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/131679\/revisions\/131680"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/123017"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=131679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=131679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=131679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}