{"id":398,"date":"2017-10-27T18:00:52","date_gmt":"2017-10-27T16:00:52","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=398"},"modified":"2018-03-24T18:29:14","modified_gmt":"2018-03-24T17:29:14","slug":"hanyas-vagy","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/hanyas-vagy\/","title":{"rendered":"Hanyas vagy?"},"content":{"rendered":"

\"\"<\/p>\n

Hanyas vagy, \u201962-es? \u2013 Akkor t\u00edz \u00e9v m\u00falva nyugd\u00edjba m\u00e9gy, m\u00e1r alig v\u00e1rod.<\/p>\n

M\u00e1r csak t\u00edz \u00e9ved van, hogy kieg\u00e9sz\u00edtsd a nyugd\u00edjadat! Ahhoz, hogy el\u00e9g legyen a sz\u00e1ml\u00e1kra, meg\u00e9lhet\u00e9sre. Tudod-e mennyi nyugd\u00edjra van sz\u00fcks\u00e9ged? Ut\u00e1nan\u00e9zt\u00e9l, hogy mennyi a ledolgozott \u00e9ved \u00e9s ez ut\u00e1n mennyi nyugd\u00edjat kapsz? Mire lesz el\u00e9g?<\/p>\n

V\u00e1llalkoz\u00f3 vagy KAT\u00c1S, EV\u00c1S, nem tudsz ad\u00f3j\u00f3v\u00e1\u00edr\u00e1ssal \u00e9lni akkor neked m\u00e9g fontosabb a nyugd\u00edjbiztos\u00edt\u00e1s!<\/p>\n

Mi\u00e9rt?<\/p>\n

Vegy\u00fck azt az esetet, ha a havi 50 ezer forintos ad\u00f3z\u00e1st v\u00e1lasztjuk. Ekkor a nyugd\u00edjj\u00e1rul\u00e9k alapj\u00e1t k\u00e9pez\u0151 kereset\u00fcnk 90 ezer forint lesz \u2013 b\u00e1rmekkora is legyen a havi hivatalos kereset\u00fcnk \u2013, ami elmarad a hat\u00e1lyos minim\u00e1lb\u00e9rt\u0151l (ami brutt\u00f3 127,5 ezer forint). A szab\u00e1lyok szerint, ha ez a helyzet \u00e1ll fent, akkor\u00a0ar\u00e1nyosan cs\u00f6kkenteni kell az adott \u00e9vre a szolg\u00e1lati id\u0151t<\/strong>. Magyarra ford\u00edtva, 1 ledolgozott \u00e9v nek\u00fcnk kat\u00e1sk\u00e9nt csak 0,71 \u00e9vet jelent\u00a0<\/strong>(a nyugd\u00edjra val\u00f3 jogosults\u00e1g vizsg\u00e1lat\u00e1n\u00e1l viszont nincs ar\u00e1nyos\u00edt\u00e1s). Gondoljunk bele, hogy ha val\u00f3ban az akt\u00edv p\u00e1ly\u00e1nk alatt kat\u00e1sak maradn\u00e1nk, akkor a 40 \u00e9v munkaviszonnyal a nyugd\u00edjsz\u00e1m\u00edt\u00e1s szerint kicsivel t\u00f6bb mint 28 \u00e9vet szerezn\u00e9nk. Kor\u00e1ntsem mindegy az elt\u00e9r\u00e9s, mivel\u00a0a<\/strong>\u00a0<\/strong>kezd\u0151 nyugd\u00edjunk<\/strong><\/a>\u00a0a nett\u00f3 \u00e1tlagkereset\u00fcnkh\u00f6z k\u00e9pest nem 80% lenne, hanem csak 66%<\/strong>. Sz\u00e1mszer\u0171s\u00edtve, ha az \u00e1tlagkereset\u00fcnk 150 ezer forint lenne, akkor 120 ezer forint helyett 99 ezer forintot kapn\u00e1nk. Alaphelyzetben (havi 50 ezer forint ad\u00f3 megfizet\u00e9se mellett) a kata 81 300 forintos ell\u00e1t\u00e1si alapot jelent mind\u00f6ssze.\u00a0Kevesebbet teh\u00e1t, mint a minim\u00e1lb\u00e9r (111 ezer forint), \u00e9s alig t\u00f6bbet, mint a k\u00f6zmunk\u00e1s b\u00e9r (79 155 forint).<\/strong><\/p>\n

 <\/p>\n

Teljesen k\u00fcl\u00f6nb\u00f6zik a kez\u00fcnkbe kapott havi nett\u00f3 kereset \u00e9s a nyugd\u00edjsz\u00e1m\u00edt\u00e1sn\u00e1l figyelembe vett kereset<\/strong>. Hagyom\u00e1nyos esetben, ha a nett\u00f3 \u00e1tlagkeresetnek megfelel\u0151 b\u00e9rt keress\u00fck, akkor ugyanaz a 190 ezer forint sz\u00e1m\u00edt be a nyugd\u00edj alapj\u00e1nak sz\u00e1m\u00edt\u00f3 keresetbe. A kat\u00e1sok eset\u00e9ben a jogszab\u00e1lyokban d\u00f6ntik el, hogy ennek m\u00e9rt\u00e9ke pontosan mekkora. Jelenleg \u00fagy \u00e1ll, hogy az 50 \u00e9s 75 ezres t\u00e9teles ad\u00f3z\u00e1shoz 90 \u00e9s 150 ezres brutt\u00f3 kereset tartozik. Ezt, ha nett\u00f3s\u00edtjuk, akkor 60 \u00e9s 100 ezer forintot kapunk, m\u00edg a val\u00f3s havi j\u00f6vedelm\u00fcnk az \u00e1bra alapj\u00e1n 236 \u00e9s 211 ezer forint.<\/p>\n

Ha semmit sem tesz\u00fcnk, akkor az \u00e1llamt\u00f3l meglehet\u0151sen alacsony nyugd\u00edjra sz\u00e1m\u00edthatunk. Becsl\u00e9seink szerint,\u00a0ha a minim\u00e1lb\u00e9rnek megfelel\u0151 j\u00f6vedelem az alapja a nyugd\u00edjunknak, akkor mai \u00e9rt\u00e9ken \u00e9vtizedek m\u00falva 40-45 ezer forintos nyugd\u00edjra sz\u00e1m\u00edthatunk<\/strong>. Mivel a kat\u00e1sok sok esetben m\u00e9g enn\u00e9l is j\u00f3val alacsonyabb a besz\u00e1m\u00edthat\u00f3 j\u00f6vedelm\u00fck,\u00a0v\u00e1rhat\u00f3an a minim\u00e1l nyugd\u00edjat kaphatn\u00e1k meg, ami most 28\u00a0500 forint<\/strong>.<\/p>\n

 <\/p>\n

Hanyas vagy?<\/p>\n

\u201962-es? \u2013 Akkor itt az id\u0151 nyugd\u00edjbiztos\u00edt\u00e1st k\u00f6tni!<\/p>\n

Ha Te akarod beosztani az \u00f6sszegy\u0171lt p\u00e9nzed, akkor m\u00e1r csak ebben az \u00e9vben elind\u00edtott nyugd\u00edjbiztos\u00edt\u00e1sb\u00f3l teheted meg. A k\u00e9s\u0151bbiekb\u0151l, csak j\u00e1rad\u00e9kk\u00e9nt veheted fel.<\/p>\n

Ne halogass tov\u00e1bb!<\/p>\n

Ma m\u00e1r nem az a k\u00e9rd\u00e9s, hogy akarsz e nyugd\u00edjbiztos\u00edt\u00e1st, hanem hogy mikor?<\/p>\n

Nekem az a feladatom, hogy hozz\u00e1seg\u00edtselek a Boldog, m\u00e9lt\u00f3s\u00e1gteljes nyugd\u00edjas \u00e9vek biztons\u00e1g\u00e1hoz.<\/p>\n

 <\/p>\n

Tal\u00e1lkozzunk egy nyugd\u00edj-tan\u00e1csad\u00e1son!<\/strong>
\nHa b\u0151vebb t\u00e1j\u00e9koztat\u00e1st akarsz h\u00edvj, vagy k\u00fcldj el\u00e9rhet\u0151s\u00e9get vissza h\u00edvlak!<\/p>\n

 
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Hanyas vagy, \u201962-es? \u2013 Akkor t\u00edz \u00e9v m\u00falva nyugd\u00edjba m\u00e9gy, m\u00e1r alig v\u00e1rod. M\u00e1r csak t\u00edz \u00e9ved van, hogy kieg\u00e9sz\u00edtsd a nyugd\u00edjadat! Ahhoz, hogy el\u00e9g legyen a sz\u00e1ml\u00e1kra, meg\u00e9lhet\u00e9sre. Tudod-e …<\/p>\n","protected":false},"author":2,"featured_media":403,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[9],"tags":[21,19,23],"class_list":["post-398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nyugdij-megtakaritas","tag-allami-nyugdij","tag-nyugdij","tag-nyugdij-megtakaritas"],"yoast_head":"\nHanyas vagy? - nyugdíjspecialista.hu<\/title>\n<meta name=\"description\" content=\"V\u00e1llalkoz\u00f3 KAT\u00c1S, EV\u00c1S... ar\u00e1nyosan cs\u00f6kkenteni kell az adott \u00e9vre a szolg\u00e1lati id\u0151t. Magyarra ford\u00edtva, 1 ledolgozott \u00e9v kat\u00e1sk\u00e9nt csak 0,71 \u00e9vet jelent.\" \/>\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\/hanyas-vagy\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hanyas vagy? - nyugdíjspecialista.hu\" \/>\n<meta property=\"og:description\" content=\"V\u00e1llalkoz\u00f3 KAT\u00c1S, EV\u00c1S... ar\u00e1nyosan cs\u00f6kkenteni kell az adott \u00e9vre a szolg\u00e1lati id\u0151t. 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