{"id":306,"date":"2017-10-19T18:00:33","date_gmt":"2017-10-19T16:00:33","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=306"},"modified":"2018-03-24T18:28:39","modified_gmt":"2018-03-24T17:28:39","slug":"onkentes-nyugdijpenztar","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/onkentes-nyugdijpenztar\/","title":{"rendered":"\u00d6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1r"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignnone size-full wp-image-359\" src=\"https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/10\/onkentes_nyugdijpenztar.jpg\" alt=\"\" width=\"640\" height=\"400\" srcset=\"https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/10\/onkentes_nyugdijpenztar.jpg 640w, https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/10\/onkentes_nyugdijpenztar-629x393.jpg 629w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/p>\n<p><strong>Az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s els\u0151dleges c\u00e9lja<\/strong>\u00a0a\u00a0<strong>nyugd\u00edjas \u00e9vek<\/strong>\u00a0anyagi\u00a0<strong>biztons\u00e1ga<\/strong>, \u00e9s az \u00e9letsz\u00ednvonal emel\u00e9se. A\u00a0<strong>nyugd\u00edjkorhat\u00e1r el\u00e9r\u00e9s\u00e9t k\u00f6vet\u0151en a nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s ad\u00f3mentesen hozz\u00e1f\u00e9rhet\u0151*<\/strong>. Ezt k\u00f6vet\u0151en \u00d6n az eltelt v\u00e1rakoz\u00e1s id\u0151 hossz\u00e1t\u00f3l f\u00fcggetlen\u00fcl jogosultt\u00e1 v\u00e1lik a nyugd\u00edjszolg\u00e1ltat\u00e1sra.<\/p>\n<p><strong>\u00d6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri<\/strong>\u00a0tags\u00e1got\u00a0<strong>\u00e9rdemes m\u00e1r az els\u0151 munkahely megszerz\u00e9sekor<\/strong> l\u00e9tes\u00edteni, de m\u00e1r ak\u00e1r 16 \u00e9ves kort\u00f3l is v\u00e1laszthat\u00f3.<!--more--><\/p>\n<p>Az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri tags\u00e1g:<\/p>\n<ul>\n<li><strong>rugalmas m\u00e9rt\u00e9k\u0171 rendszeres befizet\u00e9s mellett is el\u00e9rhet\u0151,<\/strong><\/li>\n<li><strong>nem ig\u00e9nyel magas szint\u0171 befektet\u00e9si ismereteket,<\/strong><\/li>\n<li><strong>kock\u00e1zatv\u00e1llal\u00e1si hajland\u00f3s\u00e1g\u00e1nak \u00e9s \u00e9letkor\u00e1nak megfelel\u0151 portf\u00f3li\u00f3k k\u00f6z\u00fcl v\u00e1laszthat.<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Az elsz\u00e1mol\u00f3 egys\u00e9ges nyilv\u00e1ntart\u00e1st vezet\u0151 p\u00e9nzt\u00e1rakn\u00e1l a v\u00e1lasztott portf\u00f3li\u00f3 aktu\u00e1lis \u00e1rfolyama napi szinten ellen\u0151rizhet\u0151 a p\u00e9nzt\u00e1rn\u00e1l \u00e9s az MNB\u00a0<a href=\"https:\/\/apps.mnb.hu\/penztarfolyam\/DailyList.aspx\" target=\"_blank\" rel=\"noopener\">honlapj\u00e1n<\/a>.<\/p>\n<p>A p\u00e9nzt\u00e1ri hozamokat (\u00e9ves, t\u00edz\u00e9ves) minden \u00e9vben publik\u00e1lja a jegybank a honlapj\u00e1n (<a href=\"http:\/\/www.mnb.hu\/felugyelet\/felugyeleti-keretrendszer\/tanulmanyok-elemzesek\/penztari-tanulmanyok-elemzesek\" target=\"_blank\" rel=\"noopener\">itt \u00e9rheti el<\/a>), ezzel is megk\u00f6nny\u00edtve a p\u00e9nzt\u00e1rv\u00e1laszt\u00e1st.<\/p>\n<p>&nbsp;<\/p>\n<p>Amennyiben nem el\u00e9gedett a szolg\u00e1ltat\u00e1ssal, vagy a hozamokkal, akkor a megtakar\u00edt\u00e1sait\u00a0<strong>m\u00e1sik p\u00e9nzt\u00e1rba is \u00e1tviheti<\/strong>, ennek k\u00f6lts\u00e9ge az utal\u00e1s d\u00edj\u00e1n fel\u00fcl maximum 3 000 forint lehet. Azt fontos tudnia, hogy a m\u00faltbeli hozamok nem adnak garanci\u00e1t a j\u00f6v\u0151beli hozamokra.<\/p>\n<p>&nbsp;<\/p>\n<p>Az egy\u00e9ni befizet\u00e9sek ut\u00e1n\u00a0<strong>20%-os, \u00e9vi maximum 150 ezer Ft-os<\/strong>\u00a0ad\u00f3kedvezm\u00e9nyt ig\u00e9nyelhet. Ezt az \u00f6sszeget a sz\u00e1ml\u00e1j\u00e1n \u00edrj\u00e1k j\u00f3v\u00e1. Az ad\u00f3kedvezm\u00e9ny\u00a0<strong>maxim\u00e1lis kihaszn\u00e1l\u00e1s\u00e1hoz \u00e9ves<\/strong>\u00a0szinten\u00a0<strong>750 000 Ft<\/strong>-os\u00a0<strong>befizet\u00e9s sz\u00fcks\u00e9ges<\/strong>. A befizetett d\u00edjakb\u00f3l a p\u00e9nzt\u00e1r maximum 6% k\u00f6lts\u00e9get vonhat le. Ezt k\u00f6vet\u0151en a fennmarad\u00f3 \u00f6sszeget korm\u00e1nyrendelet \u00e1ltal szab\u00e1lyozott befektet\u00e9si form\u00e1kba fekteti be. A p\u00e9nzt\u00e1rtagot megillet\u0151 ad\u00f3kedvezm\u00e9nyb\u0151l a p\u00e9nzt\u00e1r k\u00f6lts\u00e9get nem von le.<\/p>\n<p>&nbsp;<\/p>\n<p>Az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1r\u00a0<strong>el\u0151nye<\/strong>\u00a0a t\u00f6bbi megtakar\u00edt\u00e1si form\u00e1val szemben, hogy\u00a0<strong>az \u00e1llam nem csak a p\u00e9nzt\u00e1rtagot t\u00e1mogatja<\/strong>\u00a0ad\u00f3kedvezm\u00e9nnyel,\u00a0<strong>hanem azon munk\u00e1ltat\u00f3t is, aki a munkab\u00e9r mellett egy\u00e9b juttat\u00e1sk\u00e9nt befizet\u00e9seket eszk\u00f6z\u00f6l <\/strong>munkav\u00e1llal\u00f3ja sz\u00e1m\u00e1ra.\u00a0<strong>Ezen befizet\u00e9sek alacsonyabb j\u00e1rul\u00e9kfizet\u00e9si k\u00f6telezetts\u00e9get vonnak maguk ut\u00e1n, azonban a juttat\u00e1sban r\u00e9szes\u00fcl\u0151nek<\/strong>\u00a0nem k\u00e9pezik az ad\u00f3kedvezm\u00e9ny alapj\u00e1t. E mellett\u00a0<strong>ezen juttat\u00e1si forma a cafet\u00e9ria elemei k\u00f6z\u00f6tt<\/strong>\u00a0is megtal\u00e1lhat\u00f3.<\/p>\n<p>Amennyiben el\u00e9rte a\u00a0<strong>nyugd\u00edjkorhat\u00e1rt, \u00edr\u00e1sban<\/strong>\u00a0nyilatkozhat arr\u00f3l, hogy:<\/p>\n<ul>\n<li><strong>egy \u00f6sszegben vagy j\u00e1rad\u00e9k <\/strong>form\u00e1j\u00e1ban veszi ig\u00e9nybe a nyugd\u00edjszolg\u00e1ltat\u00e1st \u00e9s a\u00a0<strong>tagd\u00edjat<\/strong>\u00a0tov\u00e1bb\u00a0<strong>nem fizeti,<\/strong><\/li>\n<li>az egy\u00e9ni nyugd\u00edjsz\u00e1ml\u00e1j\u00e1n l\u00e9v\u0151 \u00f6sszeg meghat\u00e1rozott r\u00e9sz\u00e9t\u00a0<strong>egy \u00f6sszegben, a fennmarad\u00f3 r\u00e9szt pedig j\u00e1rad\u00e9k form\u00e1j\u00e1ban <\/strong>veszi ig\u00e9nybe \u00e9s a\u00a0<strong>tagd\u00edjat<\/strong>\u00a0tov\u00e1bb\u00a0<strong>nem fizeti<\/strong>,<\/li>\n<li>a\u00a0<strong>tagd\u00edjat fizeti<\/strong>, \u00e9s a\u00a0<strong>nyugd\u00edjszolg\u00e1ltat\u00e1st nem veszi ig\u00e9nybe<\/strong>,<\/li>\n<li>az egy\u00e9ni nyugd\u00edjsz\u00e1ml\u00e1j\u00e1n felhalmozott\u00a0<strong>\u00f6sszeget a p\u00e9nzt\u00e1rban hagyja<\/strong>, \u00e9s a\u00a0<strong>tagd\u00edjat <\/strong>tov\u00e1bb\u00a0<strong>nem fizeti<\/strong>.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>A v\u00e1rakoz\u00e1si id\u0151 (a bel\u00e9p\u00e9st\u0151l sz\u00e1m\u00edtott 10 \u00e9v) letelte ut\u00e1n<\/strong>, de m\u00e9g a<strong>\u00a0felhalmoz\u00e1si id\u0151szakban (a bel\u00e9p\u00e9st\u0151l a nyugd\u00edjszolg\u00e1ltat\u00e1s megkezd\u00e9s\u00e9ig terjed\u0151 id\u0151)<\/strong>\u00a0az egy\u00e9ni nyugd\u00edjsz\u00e1ml\u00e1n l\u00e9v\u0151 \u00f6sszeghez val\u00f3 hozz\u00e1f\u00e9r\u00e9s tekintet\u00e9ben v\u00e1laszthat:<\/p>\n<ul>\n<li>a\u00a0<strong>p\u00e9nzt\u00e1rban <\/strong>v\u00e1ltozatlan felt\u00e9telek mellett\u00a0<strong>tag marad<\/strong>,<\/li>\n<li>a\u00a0<strong>p\u00e9nzt\u00e1rtags\u00e1g\u00e1t folytatja<\/strong>, \u00e9s \u2013 legfeljebb h\u00e1rom\u00e9vente egy alkalommal \u2013 az egy\u00e9ni\u00a0<strong>nyugd\u00edjsz\u00e1ml\u00e1j\u00e1n <\/strong>nyilv\u00e1ntartott\u00a0<strong>\u00f6sszeg eg\u00e9sz\u00e9t vagy egy r\u00e9sz\u00e9t<\/strong>\u00a0a nyugd\u00edjkorhat\u00e1r el\u00e9r\u00e9se el\u0151tt\u00a0<strong>felveszi<\/strong>\u00a0(fontos megeml\u00edteni azonban, hogy az \u00edgy felvett \u00f6sszeg hozam r\u00e9sze ad\u00f3mentes, m\u00edg a t\u0151ke r\u00e9szt a hat\u00e1lyos ad\u00f3jogszab\u00e1lyok szerint ad\u00f3 \u00e9s eho fizet\u00e9si k\u00f6telezetts\u00e9g terhelheti),<\/li>\n<li>a\u00a0<strong>p\u00e9nzt\u00e1rb\u00f3l kil\u00e9p<\/strong>,<\/li>\n<li>tagd\u00edj fizet\u00e9se n\u00e9lk\u00fcl az egy\u00e9ni\u00a0<strong>nyugd\u00edjsz\u00e1ml\u00e1j\u00e1n l\u00e9v\u0151 \u00f6sszeget a p\u00e9nzt\u00e1rban hagyja<\/strong>.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>A 10 \u00e9ves\u00a0<strong>v\u00e1rakoz\u00e1si id\u0151 letelte el\u0151tt eg\u00e9szs\u00e9g- vagy \u00f6nseg\u00e9lyez\u0151 p\u00e9nzt\u00e1rba <\/strong>\u00e1tl\u00e9phet, ha\u00a0<strong>munkak\u00e9pess\u00e9g\u00e9t<\/strong>\u00a0legal\u00e1bb\u00a0<strong>\u00f6tven sz\u00e1zal\u00e9kban<\/strong>\u00a0elvesztette, illetve legal\u00e1bb\u00a0<strong>negyven sz\u00e1zal\u00e9kos<\/strong>\u00a0m\u00e9rt\u00e9k\u0171\u00a0<strong>eg\u00e9szs\u00e9gk\u00e1rosod\u00e1st<\/strong>\u00a0szenvedett, \u00e9s ebben az \u00e1llapot\u00e1ban legal\u00e1bb egy \u00e9vig javul\u00e1s nem v\u00e1rhat\u00f3, valamint az illet\u00e9kes hat\u00f3s\u00e1g igazol\u00e1s\u00e1t bemutatja.<\/p>\n<p><strong>A nyugd\u00edjkorhat\u00e1r el\u00e9r\u00e9s\u00e9t megel\u0151z\u0151 felhaszn\u00e1l\u00e1s csak indokolt esetben javasolt.<\/strong><\/p>\n<p><strong>Elhal\u00e1loz\u00e1sa eset\u00e9n<\/strong>\u00a0az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri\u00a0<strong>megtakar\u00edt\u00e1s\u00e1t<\/strong>\u00a0az \u00d6n \u00e1ltal megjel\u00f6lt hal\u00e1leseti\u00a0<strong>kedvezm\u00e9nyezett<\/strong>,\u00a0<strong>annak hi\u00e1ny\u00e1ban a t\u00f6rv\u00e9nyes \u00f6r\u00f6k\u00f6s kapja meg.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><em>*A nyugd\u00edjszolg\u00e1ltat\u00e1s a 2012. december 31-ig nyugd\u00edjp\u00e9nzt\u00e1rba bel\u00e9pett tagok eset\u00e9n 3 \u00e9ves tags\u00e1gi viszony ut\u00e1n ad\u00f3mentes, vagy ha a j\u00e1rad\u00e9k foly\u00f3s\u00edt\u00e1s\u00e1nak els\u0151 h\u00e1rom \u00e9v\u00e9ben a j\u00e1rad\u00e9k \u00e9ves \u00f6sszege az el\u0151z\u0151 \u00e9vi \u00f6sszeg 15 sz\u00e1zal\u00e9k\u00e1n\u00e1l nagyobb m\u00e9rt\u00e9kben nem cs\u00f6kken, vagy a tag jogosults\u00e1ga rokkantt\u00e1 nyilv\u00e1n\u00edt\u00e1sa, eg\u00e9szs\u00e9gk\u00e1rosod\u00e1sa, megv\u00e1ltozott munkak\u00e9pess\u00e9ge alapj\u00e1n keletkezett. A 2012. december 31-\u00e9t k\u00f6vet\u0151en p\u00e9nzt\u00e1rtagg\u00e1 v\u00e1l\u00f3k sz\u00e1m\u00e1ra a nyugd\u00edjszolg\u00e1ltat\u00e1s 10 \u00e9ves tags\u00e1gi viszonyt k\u00f6vet\u0151en ad\u00f3mentes, vagy ha a tag jogosults\u00e1ga rokkantt\u00e1 nyilv\u00e1n\u00edt\u00e1sa alapj\u00e1n keletkezett.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6SSZEGZ\u00c9S<\/p>\n<p><strong><em>Mi\u00e9rt j\u00f3 ez \u00d6nnek?<\/em><\/strong><strong><em>\u00a0\u00a0 <\/em><\/strong><\/p>\n<ul>\n<li>Nem ig\u00e9nyel szak\u00e9rtelmet \u00e9s \u00e1lland\u00f3 \u00fcgyf\u00e9l \u00e1ltali figyelmet,<\/li>\n<li>\u00e9vente ad\u00f3kedvezm\u00e9nyt kaphat,<\/li>\n<li>kedvezm\u00e9nyezett jel\u00f6lhet\u0151,<\/li>\n<li>sz\u00e1mos munk\u00e1ltat\u00f3 b\u00e9ren k\u00edv\u00fcli juttat\u00e1s keret\u00e9ben el\u00e9rhet\u0151v\u00e9 teszi.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><em>Mire kell figyelnie?<\/em><\/strong><\/p>\n<ul>\n<li>Nincs lehet\u0151s\u00e9g egyedi portf\u00f3li\u00f3 kialak\u00edt\u00e1s\u00e1ra,<\/li>\n<li>a befizet\u00e9sekhez az els\u0151 10 \u00e9vben nem lehet hozz\u00e1jutni.<\/li>\n<\/ul>\n<p><em><a href=\"https:\/\/www.mnb.hu\/fogyasztovedelem\" target=\"_blank\" rel=\"noopener\">Magyar Nemzeti Bank<\/a><\/em><br \/>\n&nbsp;<\/p>\n<p style=\"text-align: justify;\"><strong>Tal\u00e1lkozzunk egy nyugd\u00edj-tan\u00e1csad\u00e1son!<\/strong><br \/>\nHa b\u0151vebb t\u00e1j\u00e9koztat\u00e1st akarsz h\u00edvj, vagy k\u00fcldj el\u00e9rhet\u0151s\u00e9get vissza h\u00edvlak!<\/p>\n<p>&nbsp;<br \/>\n[maxbutton id=&#8221;1&#8243;]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s els\u0151dleges c\u00e9lja\u00a0a\u00a0nyugd\u00edjas \u00e9vek\u00a0anyagi\u00a0biztons\u00e1ga, \u00e9s az \u00e9letsz\u00ednvonal emel\u00e9se. A\u00a0nyugd\u00edjkorhat\u00e1r el\u00e9r\u00e9s\u00e9t k\u00f6vet\u0151en a nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s ad\u00f3mentesen hozz\u00e1f\u00e9rhet\u0151*. Ezt k\u00f6vet\u0151en \u00d6n az eltelt v\u00e1rakoz\u00e1s id\u0151 hossz\u00e1t\u00f3l f\u00fcggetlen\u00fcl jogosultt\u00e1 v\u00e1lik &hellip;<\/p>\n","protected":false},"author":2,"featured_media":359,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[14],"tags":[26,19,24],"class_list":["post-306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cegeknek","tag-cegeknek","tag-nyugdij","tag-onkentes-nyugdijpenztar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00d6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1r - nyugd&iacute;jspecialista.hu<\/title>\n<meta name=\"description\" content=\"Az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1ri megtakar\u00edt\u00e1s els\u0151dleges c\u00e9lja a nyugd\u00edjas \u00e9vek anyagi biztons\u00e1ga, \u00e9s az \u00e9letsz\u00ednvonal emel\u00e9se.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/digi-web.hu\/nysp\/onkentes-nyugdijpenztar\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00d6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1r - 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