{"id":133730,"date":"2026-01-16T11:11:35","date_gmt":"2026-01-16T09:11:35","guid":{"rendered":"https:\/\/www.santaka.info\/?p=133730"},"modified":"2026-01-16T11:11:35","modified_gmt":"2026-01-16T09:11:35","slug":"2026-m-dideja-valstybes-imoka-i-ii-pakopa-kiek-papildomai-gaus-kaupiantieji","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2026\/01\/16\/2026-m-dideja-valstybes-imoka-i-ii-pakopa-kiek-papildomai-gaus-kaupiantieji\/","title":{"rendered":"2026 m. did\u0117ja valstyb\u0117s \u012fmoka \u012f II pakop\u0105: kiek papildomai gaus kaupiantieji?"},"content":{"rendered":"<p><strong>Nuo 2026 m. sausio 1 d. \u012fsigaliojo LR pensij\u0173 kaupimo \u012fstatymo pakeitimai, did\u0117ja minimalaus pensij\u0173 anuiteto riba bei, kaip ir kasmet, auga valstyb\u0117s skatinamoji \u012fmoka. Apie tai, k\u0105 svarbiausia \u017einoti kaupiantiesiems, pasakoja \u201eLuminor investicij\u0173 valdymas\u201c vadov\u0117 Loreta Na\u010dajien\u0117.<\/strong><\/p><p><strong>Did\u0117ja valstyb\u0117s skatinamoji \u012fmoka<\/strong><\/p><p>Kaip ir iki \u0161iol, dalyvis \u012f pensij\u0173 fond\u0105 moka 3 proc. nuo savo pajam\u0173 \u201eant popieriaus\u201c, o valstyb\u0117 papildomai prisideda 1,5 proc. nuo u\u017epra\u0117jusi\u0173 met\u0173 vidutinio \u0161alies darbo u\u017emokes\u010dio. 2026 m. valstyb\u0117s skatinamoji \u012fmoka jau siekia 33,49 Eur per m\u0117nes\u012f, arba 401,88 Eur per metus. \u0160i suma kasmet auga priklausomai nuo vidutinio darbo u\u017emokes\u010dio (VDU).<\/p><p>\u201eValstyb\u0117s paskata yra papildomas \u012fna\u0161as \u012f \u017emogaus pensijos s\u0105skait\u0105. Ji ne tik papildo \u012fmokas, bet ir didina bendr\u0105 investuojam\u0105 sum\u0105, taip sustiprindama sud\u0117tini\u0173 pal\u016bkan\u0173 efekt\u0105. Ilguoju laikotarpiu b\u016btent \u0161i nuosekli valstyb\u0117s dalyvavimo forma leid\u017eia sukaupti daugiau ir suma\u017einti rizik\u0105, kad senatv\u0117je pajamos reik\u0161mingai atsiliks nuo buvusio darbo u\u017emokes\u010dio\u201c, \u2013 sako L. Na\u010dajien\u0117.<\/p><p>Ekspert\u0117 pateikia pavyzd\u012f: jei \u017emogus u\u017edirba 2 t\u016bkst. Eur per m\u0117nes\u012f prie\u0161 mokes\u010dius, jo \u012fmoka \u012f II pakop\u0105 sudarys 60 Eur, o valstyb\u0117 kiekvien\u0105 m\u0117nes\u012f papildomai perves dar 33,49 Eur. Taigi bendra suma pensijai kaupti kas m\u0117nes\u012f sudaryt\u0173 apie 93,49 Eur, o per metus \u2013 daugiau nei 1,121 t\u016bkst. Eur, neskai\u010diuojant investicin\u0117s gr\u0105\u017eos.<\/p><p><strong>Kvies kaupti savaranki\u0161kai<\/strong><\/p><p>Vienas did\u017eiausi\u0173 poky\u010di\u0173 2026-aisiais \u2013 atsisakoma automatinio gyventoj\u0173 \u012ftraukimo \u012f pensij\u0173 kaupim\u0105 kas trejus metus. Nuo \u0161iol kaupimas tampa i\u0161 esm\u0117s savanori\u0161kas: pensij\u0173 kaupime nedalyvaujantys 18\u201340 met\u0173 \u017emon\u0117s gaus nuolatin\u012f kvietim\u0105 ir informacij\u0105 apie galimybes prisijungti savo asmenin\u0117je \u201eSodros\u201c paskyroje, ta\u010diau be aktyvaus \u017emogaus sprendimo niekas nebus automati\u0161kai \u012ftraukiamas.<\/p><p>\u201e\u0160is pokytis rei\u0161kia didesn\u0119 asmenin\u0119 atsakomyb\u0119. Kitaip tariant, norintys kaupti tur\u0117s patys apsispr\u0119sti ir sudaryti sutart\u012f. Tai gera proga s\u0105moningai \u012fsivertinti, kokios pensijos siekiame ateityje, nes vien \u201eSodros\u201c pensija da\u017enai neu\u017etikrina pajam\u0173, artim\u0173 buvusiam atlyginimui\u201c, \u2013 pabr\u0117\u017eia ekspert\u0117.<\/p><p><strong>I\u0161augo minimali anuiteto riba<\/strong><\/p><p>Nuo 2026 m. atnaujintos ir pensij\u0173 anuiteto ribos, pagal kurias nustatoma, kokio tipo i\u0161moka bus taikoma sukakus pensiniam am\u017eiui. Ekspert\u0117 primena, kad iki minimalios pensij\u0173 anuiteto ribos sukaupt\u0105 turt\u0105 galite atsiimti laisvai pasirinkdami i\u0161mokos tip\u0105: vienkartine i\u0161moka, periodin\u0117mis i\u0161mokomis arba savanori\u0161kai \u012fsigydami pensij\u0173 anuitet\u0105.<\/p><p>\u201eDabar minimali pensij\u0173 anuiteto riba, nuo kurios atsiranda prievol\u0117 \u012fsigyti anuitet\u0105 ir sukaupt\u0105 pensij\u0105 senatv\u0117je gauti m\u0117nesin\u0117mis i\u0161mokomis, siekia 16,785 t\u016bkst. Eur. O maksimali riba, vir\u0161 kurios sukaupto turto dal\u012f galima atsiimti vienkartine i\u0161moka, siekia 83,926 t\u016bkst. Eur\u201c, \u2013 sako L. Na\u010dajien\u0117.<\/p><p>Ekspert\u0117 pabr\u0117\u017eia, kad \u0161ie \u201eslenks\u010diai\u201c yra svarb\u016bs planuojant, kaip gausime pensij\u0105 senatv\u0117je, ta\u010diau sprendimai kaupti ar ne tur\u0117t\u0173 remtis ne vien ribomis, bet ir tikslu u\u017esitikrinti stabilias pajamas senatv\u0117je.<\/p><p><strong>Rekomenduoja kaupti ne tik antroje pakopoje<\/strong><\/p><p>L. Na\u010dajien\u0117 pabr\u0117\u017eia, kad norint senatv\u0117je gyventi pernelyg nekei\u010diant savo gyvenimo b\u016bdo ir i\u0161laid\u0173, pensija tur\u0117t\u0173 b\u016bti ne ma\u017eesn\u0117 nei 70\u201380 proc. iki tol buvusio darbo u\u017emokes\u010dio. Norint pasiekti \u0161\u012f tiksl\u0105, tik pirmosios ir antrosios pensij\u0173 pakopos gali nepakakti.<\/p><p>\u201ePrognozuojama, kad valstybin\u0117 pensija senatv\u0117je sudarys tik apie 40 proc. dabartinio atlyginimo dyd\u017eio. Papildomai investuojant antros pakopos pensij\u0173 fonduose, tik\u0117tina, asmens pensija i\u0161augt\u0173 iki ma\u017edaug 50 proc. prie\u0161 pensij\u0105 gaut\u0173 pajam\u0173. Ta\u010diau norint senatv\u0119 pasitikti tikrai oriai, likusi\u0105 dal\u012f iki rekomenduojamo pensijos dyd\u017eio potencialiai gali u\u017etikrinti savanori\u0161kas investavimas \u012f tre\u010di\u0105j\u0105 pakop\u0105\u201c, \u2013 rekomendacija dalinasi ekspert\u0117.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nuo 2026 m. sausio 1 d. \u012fsigaliojo LR pensij\u0173 kaupimo \u012fstatymo pakeitimai, did\u0117ja minimalaus pensij\u0173 anuiteto riba bei, kaip ir kasmet, auga valstyb\u0117s skatinamoji \u012fmoka. Apie tai, k\u0105 svarbiausia \u017einoti&#8230; <\/p>\n","protected":false},"author":13,"featured_media":126275,"comment_status":"open","ping_status":"","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-133730","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\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-scaled.jpg",2560,1708,false],"thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-150x150.jpg",150,150,true],"medium":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-768x512.jpg",768,512,true],"large":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-1536x1025.jpg",1536,1025,true],"2048x2048":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-2048x1366.jpg",2048,1366,true],"post-thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-600x400.jpg",600,400,true],"visualnews_post_thumb":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-600x400.jpg",600,400,true],"woocommerce_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-600x400.jpg",600,400,true],"woocommerce_gallery_thumbnail":["https:\/\/www.santaka.info\/wp-content\/uploads\/2025\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-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\/09\/Loreta-Nacajiene-\u201eLuminor-investiciju-valdymas-vadove-scaled.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133730","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=133730"}],"version-history":[{"count":1,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133730\/revisions"}],"predecessor-version":[{"id":133731,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/133730\/revisions\/133731"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media\/126275"}],"wp:attachment":[{"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/media?parent=133730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=133730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=133730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}