{"id":133037,"date":"2025-12-29T13:48:42","date_gmt":"2025-12-29T11:48:42","guid":{"rendered":"https:\/\/www.santaka.info\/?p=133037"},"modified":"2025-12-29T13:48:47","modified_gmt":"2025-12-29T11:48:47","slug":"pokyciai-pensiju-sistemoje-palanki-terpe-sukciams-ka-svarbu-zinoti","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2025\/12\/29\/pokyciai-pensiju-sistemoje-palanki-terpe-sukciams-ka-svarbu-zinoti\/","title":{"rendered":"Poky\u010diai pensij\u0173 sistemoje \u2013 palanki terp\u0117 suk\u010diams: k\u0105 svarbu \u017einoti?"},"content":{"rendered":"<p><strong>Laikotarpiai, kai visuomen\u0117je kyla daug klausim\u0173, sprendim\u0173 ir l\u016bkes\u010di\u0173 d\u0117l galim\u0173 i\u0161mok\u0173, da\u017enai sulaukia ir padid\u0117jusio suk\u010di\u0173 d\u0117mesio. Pensij\u0173 reformos kontekste apgavikai gali tapti aktyvesni ir bandyti pasinaudoti \u017emoni\u0173 noru greitai gauti savo l\u0117\u0161as. Kaip atpa\u017einti galimas gr\u0117smes ir nuo j\u0173 apsisaugoti, pasakoja \u201eLuminor\u201c banko suk\u010diavimo prevencijos skyriaus vadovas Mindaugas Kutkaitis.<\/strong><\/p><p>Bet kokie reik\u0161mingi finansiniai poky\u010diai visuomen\u0117je sukuria palanki\u0105 terp\u0119 suk\u010diams, kurie prisitaiko prie aktualij\u0173 ir kuria naujus apgaul\u0117s scenarijus.<\/p><p>\u201e<a>Tam, kad susigaudyt\u0173 pensij\u0173 reformoje ir i\u0161mokose paprastam \u017emogui nat\u016braliai norisi kuo daugiau ai\u0161kumo, grei\u010dio, paprastumo. Tuo suk\u010diai ir naudojasi \u2013 jie si\u016blo tariamai lengvesnius sprendimus, ta\u010diau j\u0173 tikslas vienas: i\u0161vilioti asmens ar prisijungimo duomenis ir pasisavinti l\u0117\u0161as<\/a>\u201c, \u2013 sako M. Kutkaitis.<\/p><p><strong>Netikros svetain\u0117s ir \u201egreitesni sprendimai\u201c<\/strong><\/p><p>Viena labiausiai tik\u0117tin\u0173 schem\u0173 \u2013 netikros interneto svetain\u0117s, imituojan\u010dios bank\u0173 ar valstybini\u0173 institucij\u0173 puslapius. Tokiuose tinklalapiuose \u017eadama galimyb\u0117 \u201egrei\u010diau atsiimti l\u0117\u0161as\u201c, \u201epatogiau u\u017epildyti parai\u0161k\u0105\u201c ar \u201ei\u0161vengti papildom\u0173 proced\u016br\u0173\u201c.<\/p><p>Tokios svetain\u0117s da\u017enai atrodo itin tikrovi\u0161kai \u2013 jose naudojami oficial\u016bs logotipai, pana\u0161us dizainas, netgi formuluot\u0117s, primenan\u010dios oficiali\u0105 komunikacij\u0105. Ta\u010diau i\u0161 ties\u0173 j\u0173 tikslas \u2013 surinkti prisijungimus prie banko ar kit\u0173 sistem\u0173.<\/p><p>\u201eJeigu kas nors jums si\u016blo greitesnes ar paprastesnes paslaugas nei oficialiuose kanaluose, tai i\u0161kart tur\u0117t\u0173 kelti \u012ftarim\u0105. Valstybin\u0117s institucijos bei bankai turi ai\u0161kiai apibr\u0117\u017etas proced\u016bras ir \u012fprastai per atsitiktines svetaines j\u0173 apeiti ne\u012fmanoma\u201c, \u2013 pabr\u0117\u017eia M. Kutkaitis.<\/p><p><strong>Skambu\u010diai apsimetant oficialiomis institucijomis<\/strong><\/p><p>Kita schema \u2013 telefoniniai skambu\u010diai. Suk\u010diai gali prisistatyti banko ar valstybin\u0117s institucijos atstovais ir teigti, kad d\u0117l pensij\u0173 reformos \u017emogaus s\u0105skaitoje atsirado papildom\u0173 l\u0117\u0161\u0173, tod\u0117l reikia skubiai atlikti tam tikrus veiksmus.<\/p><p>\u201eTokio skambu\u010dio metu j\u016bs\u0173 gali pra\u0161yti pateikti prisijungimo kodus, slapta\u017eod\u017eius ar patvirtinti veiksmus neva tam, kad pa\u0161nekovas jums \u201epad\u0117t\u0173\u201c atsiimti pinigus. Ta\u010diau tokiais atvejais svarbu prisiminti, kad nei bankai, nei valstybin\u0117s institucijos niekada nepra\u0161o prisijungimo duomen\u0173 telefonu. Bet koks toks pra\u0161ymas yra ai\u0161kus suk\u010diavimo \u017eenklas\u201c, \u2013 sako \u201eLuminor\u201c banko ekspertas.<\/p><p><strong>Investicin\u0117s apgaul\u0117s atsi\u0117mus pensij\u0105<\/strong><\/p><p>M. Kutkaitis atkreipia d\u0117mes\u012f, kad gavus antrosios pensij\u0173 pakopos l\u0117\u0161as gali suaktyv\u0117ti ir investicin\u0117s apgaul\u0117s. Jomis suk\u010diai si\u016blo \u201eypa\u010d pelningas\u201c investavimo galimybes, \u017ead\u0117dami greit\u0105 ir garantuot\u0105 gr\u0105\u017e\u0105.<\/p><p>\u201eTokie pasi\u016blymai da\u017enai pateikiami per socialinius tinklus, el. lai\u0161kus ar net asmeni\u0161kai susisiekiant telefonu. Ta\u010diau pa\u017eadai apie didel\u012f peln\u0105 per trump\u0105 laik\u0105 beveik visada rei\u0161kia ypa\u010d didel\u0119 rizik\u0105 arba tiesiog apgaul\u0119. Apskritai, investiciniai sprendimai turi b\u016bti apgalvoti, o ne priimami skubotai ar pasiduodant spaudimui\u201c, \u2013 pa\u017eymi M. Kutkaitis.<\/p><p><strong>Kaip apsisaugoti?<\/strong><\/p><p>Norint, kad j\u016bs\u0173 pensijos l\u0117\u0161os likt\u0173 saugios nuo suk\u010di\u0173 rank\u0173 iki pat senatv\u0117s, reik\u0117t\u0173 laikytis keli\u0173 esmini\u0173 princip\u0173.<\/p><p>\u201eVis\u0173 pirma, prie bank\u0173 ir valstybini\u0173 institucij\u0173 sistem\u0173 junkit\u0117s tik per oficialius interneto puslapius arba patikimas program\u0117les. Venkite nuorod\u0173, gaut\u0173 el. lai\u0161kais ar SMS \u017einut\u0117mis. Taip pat, niekada nesidalinkite prisijungimo kodais, slapta\u017eod\u017eiais ar kitais jautriais duomenimis \u2013 bankai ir valstybin\u0117s institucijos j\u0173 nepra\u0161o nei telefonu, nei el. pa\u0161tu\u201c, \u2013 pasakoja ekspertas.<\/p><p>Jei gavote pasi\u016blym\u0105 investuoti \u2013 neskub\u0117kite. Prie\u0161 priimdami sprendim\u0105, pasitarkite su banko specialistais, artimaisiais ir \u012fvertinkite vis\u0105 galim\u0105 rizik\u0105. Kil\u0119 klausimai d\u0117l pensij\u0173 reformos ar i\u0161mok\u0173 tur\u0117t\u0173 b\u016bti sprend\u017eiami naudojant tik oficialius kontaktus \u2013 bank\u0173 klient\u0173 aptarnavimo linijas ar valstybini\u0173 institucij\u0173 informacijos kanalus.<\/p><p>\u201eSaugumas prasideda nuo m\u016bs\u0173 pa\u010di\u0173. Pasitik\u0117jimas tik oficialiais \u0161altiniais, kritinis m\u0105stymas ir neskub\u0117jimas padeda i\u0161vengti finansini\u0173 nuostoli\u0173, ypa\u010d tokiais poky\u010di\u0173 laikotarpiais kaip \u0161is\u201c, \u2013 apibendrina M. Kutkaitis.<\/p>","protected":false},"excerpt":{"rendered":"<p>Laikotarpiai, kai visuomen\u0117je kyla daug klausim\u0173, sprendim\u0173 ir l\u016bkes\u010di\u0173 d\u0117l galim\u0173 i\u0161mok\u0173, da\u017enai sulaukia ir padid\u0117jusio suk\u010di\u0173 d\u0117mesio. Pensij\u0173 reformos kontekste apgavikai gali tapti aktyvesni ir bandyti pasinaudoti \u017emoni\u0173 noru&#8230; <\/p>\n","protected":false},"author":13,"featured_media":131592,"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],"tags":[],"class_list":["post-133037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualijos","pmpro-has-access"],"featured_image_urls":{"full":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-scaled.jpg",2560,1706,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-2048x1365.jpg",2048,1365,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-100x100.jpg",100,100,true]},"author_info":{"info":["Gidas"]},"category_info":"<a href=\"https:\/\/www.santaka.info\/index.php\/category\/aktualijos\/\" rel=\"category tag\">Aktualijos<\/a>","tag_info":"Aktualijos","comment_count":"0","jetpack_featured_media_url":"https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/11\/Mindaugas-Kutkaitis-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133037","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=133037"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133037\/revisions"}],"predecessor-version":[{"id":133038,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133037\/revisions\/133038"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/131592"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=133037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=133037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=133037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}