{"id":135151,"date":"2026-02-25T11:04:40","date_gmt":"2026-02-25T09:04:40","guid":{"rendered":"https:\/\/www.santaka.info\/?p=135151"},"modified":"2026-02-25T11:05:02","modified_gmt":"2026-02-25T09:05:02","slug":"iki-pensijos-liko-keleri-metai-stai-ka-galite-daryti","status":"publish","type":"post","link":"https:\/\/www.santaka.info\/index.php\/2026\/02\/25\/iki-pensijos-liko-keleri-metai-stai-ka-galite-daryti\/","title":{"rendered":"Iki pensijos liko keleri metai? \u0160tai, k\u0105 galite daryti"},"content":{"rendered":"<p><strong>Nuo 2026 m. \u012fsigalioj\u0119 II pensij\u0173 pakopos poky\u010diai daliai gyventoj\u0173 suteikia galimyb\u0119 per pereinam\u0105j\u012f laikotarp\u012f pasitraukti i\u0161 kaupimo, laikinai stabdyti \u012fmokas ar atsiimti dal\u012f sukaupt\u0173 l\u0117\u0161\u0173. Ta\u010diau jei pensinis am\u017eius ne u\u017e kaln\u0173, pasirinkti gali b\u016bti sud\u0117tingiau. Apie tai, k\u0105 svarbiausia \u017einoti prie pensinio am\u017eiaus art\u0117jantiems \u017emon\u0117ms, pasakoja \u201eLuminor investicij\u0173 valdymas\u201c vadov\u0117 Loreta Na\u010dajien\u0117.<\/strong><\/p><p>Pasak ekspert\u0117s, pagrindin\u0117 klaida, kuri\u0105 \u0161iandien gali padaryti \u017emogus, po 2\u20135 met\u0173 sulauksiantis pensinio am\u017eiaus \u2013 skub\u0117ti pasinaudoti reformos \u201elangu\u201c vien d\u0117l to, kad tiesiog atsirado tokia galimyb\u0117.<\/p><p>\u201eArt\u0117jant pensijai svarbiausia ne emocinis sprendimas \u201epasinaudoti proga\u201c, o strateginis paskai\u010diavimas: kiek jau esate sukaup\u0119, kaip arti anuiteto ribos esate ir koki\u0105 i\u0161mok\u0105 gausite sulauk\u0119 pensinio am\u017eiaus. \u0160iame etape net keli papildomi kaupimo metai gali daug k\u0105 pakeisti\u201c, \u2013 sako L. Na\u010dajien\u0117.<\/p><p><strong>Anuiteto ribos padid\u0117jo<\/strong><\/p><p>Nuo 2026 m. atnaujintos pensij\u0173 anuiteto ribos, kurios lemia, kaip bus i\u0161mokamas II pakopos pensij\u0173 fonde sukauptas turtas sulaukus pensinio am\u017eiaus. 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, dabar siekia 16,785 t\u016bkst. Eur. Maksimali riba, vir\u0161 kurios sukaupto turto dal\u012f galima atsiimti vienkartine i\u0161moka, siekia 83,926 t\u016bkst. Eur.<\/p><p>\u201eJeigu j\u016bs\u0173 sukaupta suma nesiekia minimalios anuiteto ribos, sulauk\u0119 pensinio am\u017eiaus tur\u0117site daugiau laisv\u0117s pasirinkti i\u0161mokos tip\u0105 \u2013 gal\u0117site rinktis vienkartin\u0119 ar periodines i\u0161mokas. Ta\u010diau jei suma per\u017eengia 16,785 t\u016bkst. Eur rib\u0105, atsiranda prievol\u0117 \u012fsigyti pensij\u0173 anuitet\u0105\u201c, \u2013 paai\u0161kina ekspert\u0117.<\/p><p>Ji taip pat atkreipia d\u0117mes\u012f, kad anuiteto tikslas yra u\u017etikrinti periodines pajamas vis\u0105 likus\u012f gyvenim\u0105, o kai kuri\u0173 anuitet\u0173 atveju pensijos pinigai paveldimi.<\/p><p><strong>Kartais ver\u010diau stabdyti \u012fmokas<\/strong><\/p><p>Ekspert\u0117 sako, kad art\u0117jant pensijai galimas &nbsp;sprendimas gali b\u016bti ne pasitraukti i\u0161 kaupimo, o stabdyti \u012fmokas.<\/p><p>\u201eJeigu iki pensijos liko keli metai, o sukaupta suma art\u0117ja prie 16,785 t\u016bkst. Eur, ir jei n\u0117ra noro \u012fsigyti anuitet\u0105, finansi\u0161kai naudingiau yra kaupim\u0105 sustabdyti nei nutraukti i\u0161vis. Tokiu atveju pinigai toliau i\u0161liks rinkoje bei gal\u0117s \u201edirbti\u201c, ta\u010diau neperkopsite ribos, kai anuitetas jums taps privalomas, o sulauk\u0119 pensinio am\u017eiaus gal\u0117site atsiimti vis\u0105 sum\u0105 i\u0161kart\u201c, \u2013 sako L. Na\u010dajien\u0117.<\/p><p>Ji primena, kad reformos \u201elangas\u201c galioja iki 2027 m. pabaigos, tod\u0117l prie pensinio am\u017eiaus art\u0117jantys \u017emon\u0117s turi laiko ramiai \u012fsivertinti situacij\u0105 ir neskub\u0117ti priimti sprendimo pirmosiomis lango dienomis.<\/p><p>\u201eVieniems anuitetas bus geras sprendimas, nes suteiks stabilias pajamas iki gyvenimo pabaigos. Kitiems svarbiau savo l\u0117\u0161as valdyti patiems. Ta\u010diau jei iki pensijos liko vos keli metai, svarbiausia yra ne ie\u0161koti greito sprendimo, o u\u017esitikrinti, kad j\u016bs\u0173 pensijos i\u0161moka bus prognozuojama ir atitiks poreikius. Tod\u0117l prie\u0161 priimant sprendim\u0105 rekomenduoju pasitikrinti, kiek esate sukaup\u0119, kokios i\u0161mokos jums b\u016bt\u0173 taikomos pagal anuiteto ribas ir tik tada spr\u0119sti, ar koreguoti kaupim\u0105, ar tiesiog ramiai j\u012f t\u0119sti\u201c, \u2013 teigia ekspert\u0117.<\/p><p><strong>Rekomenduoja kaupti ne tik II 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. \u012fsigalioj\u0119 II pensij\u0173 pakopos poky\u010diai daliai gyventoj\u0173 suteikia galimyb\u0119 per pereinam\u0105j\u012f laikotarp\u012f pasitraukti i\u0161 kaupimo, laikinai stabdyti \u012fmokas ar atsiimti dal\u012f sukaupt\u0173 l\u0117\u0161\u0173. Ta\u010diau jei pensinis am\u017eius&#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":"1","_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-135151","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\/135151","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=135151"}],"version-history":[{"count":2,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/135151\/revisions"}],"predecessor-version":[{"id":135153,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/posts\/135151\/revisions\/135153"}],"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=135151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/categories?post=135151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.santaka.info\/index.php\/wp-json\/wp\/v2\/tags?post=135151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}