{"id":518,"date":"2017-12-05T18:00:18","date_gmt":"2017-12-05T17:00:18","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=518"},"modified":"2018-03-24T18:21:25","modified_gmt":"2018-03-24T17:21:25","slug":"mi-a-nyugdijbiztositas","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/mi-a-nyugdijbiztositas\/","title":{"rendered":"Mi a Nyugd\u00edjbiztos\u00edt\u00e1s"},"content":{"rendered":"

A Magyar Nemzeti Bank P\u00e9nz\u00fcgyi Fogyaszt\u00f3v\u00e9delmi K\u00f6zpont \u00e1ltal k\u00f6zz\u00e9tett \u00edr\u00e1s\u00e1ban pontos megfogalmaz\u00e1st olvashatunk a nyugd\u00edjr\u00f3l:<\/p>\n

A nyugd\u00edjas \u00e9vei p\u00e9nz\u00fcgyi tervez\u00e9s\u00e9t \u00e9rdemes m\u00e1r akt\u00edv keres\u0151korban elkezdeni. A nyugd\u00edj c\u00e9l\u00fa el\u0151 takar\u00e9koss\u00e1gnak h\u00e1rom form\u00e1ja ismert: az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1r, a nyugd\u00edj-el\u0151takar\u00e9koss\u00e1gi sz\u00e1mla (NYESZ) \u00e9s a nyugd\u00edjbiztos\u00edt\u00e1sok. Ahhoz, hogy kiv\u00e1lassza az \u00d6n sz\u00e1m\u00e1ra megfelel\u0151t, hat\u00e1rozza meg c\u00e9ljait \u00e9s ismerje meg ezeket a p\u00e9nz\u00fcgyi term\u00e9keket!<\/p>\n

\"nyugd\u00edjbiztos\u00edt\u00e1s\"<\/h5>\n
Nyugd\u00edjbiztos\u00edt\u00e1s<\/h5>\n

A nyugd\u00edjbiztos\u00edt\u00e1s kifejezetten nyugd\u00edjc\u00e9lra k\u00f6t\u00f6tt \u00e9letbiztos\u00edt\u00e1si szerz\u0151d\u00e9s. K\u00e9t fajt\u00e1ja l\u00e9tezik, a hagyom\u00e1nyos \u00e9letbiztos\u00edt\u00e1s \u00e9s a befektet\u00e9si egys\u00e9gekhez k\u00f6t\u00f6tt \u00e9letbiztos\u00edt\u00e1s.<\/p>\n

Hagyom\u00e1nyos \u00e9letbiztos\u00edt\u00e1s<\/h5>\n

A megtakar\u00edt\u00e1sokat a biztos\u00edt\u00f3\u00a0saj\u00e1t eszk\u00f6zeivel egy\u00fctt fekteti be<\/strong>\u00a0ez\u00e9rt a biztos\u00edt\u00f3 is\u00a0\u00e9rdekelt abban, hogy a lehet\u0151 legmagasabb hozamot \u00e9rje el<\/strong>. A befektet\u00e9sre a biztos\u00edt\u00f3\u00a0garant\u00e1lt\u00a0<\/strong>kamatot<\/strong><\/a>\u00a0\u00edg\u00e9r \u00e9s a garant\u00e1lt kamaton fel\u00fcli\u00a0hozam<\/a>\u00a0\u2013 szerz\u0151d\u00e9st\u0151l f\u00fcgg\u0151en \u2013 80-90%-\u00e1t a biztos\u00edt\u00f3 szint\u00e9n j\u00f3v\u00e1\u00edrja a megtakar\u00edt\u00e1son. Ezen biztos\u00edt\u00e1sok eset\u00e9ben mivel a biztos\u00edt\u00f3 saj\u00e1t elvei alapj\u00e1n fekteti be az eszk\u00f6zeit \u00e9s a megtakar\u00edt\u00e1sokat,\u00a0a befektet\u00e9s kock\u00e1zat\u00e1t a biztos\u00edt\u00f3 v\u00e1llalja<\/strong>.<\/p>\n

Befektet\u00e9si egys\u00e9gekhez k\u00f6t\u00f6tt (unit-linked) \u00e9letbiztos\u00edt\u00e1s<\/h5>\n

Befektet\u00e9si egys\u00e9gekhez k\u00f6t\u00f6tt nyugd\u00edjbiztos\u00edt\u00e1s eset\u00e9n<\/strong>\u00a0a biztos\u00edt\u00f3 az \u00d6n sz\u00e1m\u00e1ra\u00a0k\u00fcl\u00f6nb\u00f6z\u0151 eszk\u00f6zalapokat k\u00edn\u00e1l<\/strong>. Ezek k\u00f6z\u00fcl\u00a0\u00d6n v\u00e1laszthatja meg<\/strong>, hogy\u00a0mely eszk\u00f6zalapokba<\/strong>\u00a0\u00e9s milyen ar\u00e1nyban\u00a0fekteti be megtakar\u00edt\u00e1sait<\/strong>. Az ilyen d\u00f6nt\u00e9sek meghozatal\u00e1hoz a biztos\u00edt\u00f3k az el\u00e9rhet\u0151 eszk\u00f6zalapokat min\u0151s\u00edtik att\u00f3l f\u00fcgg\u0151en, hogy az eszk\u00f6zalap mennyire kock\u00e1zatos, illetve milyen hozamkil\u00e1t\u00e1ssal rendelkezik.<\/p>\n

A befektet\u00e9si egys\u00e9gekhez k\u00f6t\u00f6tt nyugd\u00edjbiztos\u00edt\u00e1sok nagyobb\u00a0befektet\u00e9si szabads\u00e1got<\/strong>\u00a0biztos\u00edtanak \u00e9s\u00a0lehet\u0151v\u00e9 teszik<\/strong>\u00a0magasabb hozamok el\u00e9r\u00e9s\u00e9t. Tekintettel arra, hogy e biztos\u00edt\u00e1sok eset\u00e9ben\u00a0\u00d6n hat\u00e1rozza meg<\/strong>, hogy milyen eszk\u00f6z\u00f6kbe fekteti be megtakar\u00edt\u00e1sait, a befektet\u00e9s kock\u00e1zat\u00e1t \u00d6n viseli.<\/p>\n

Jelenleg\u00a0sok elt\u00e9r\u0151 k\u00f6lts\u00e9gszerkezet\u0171 term\u00e9k tal\u00e1lhat\u00f3 a piacon<\/strong>, ez\u00e9rt szerz\u0151d\u00e9sk\u00f6t\u00e9s el\u0151tt mindenk\u00e9pp\u00a0t\u00e1j\u00e9koz\u00f3djon az egyes term\u00e9kekhez kapcsol\u00f3d\u00f3 k\u00f6lts\u00e9gekr\u0151l<\/strong>. Ehhez \u2013 a befektet\u00e9si egys\u00e9ghez k\u00f6t\u00f6tt biztos\u00edt\u00e1sok eset\u00e9ben \u2013 seg\u00edts\u00e9get ny\u00fajt a teljes k\u00f6lts\u00e9gmutat\u00f3val (TKM) kapcsolatos, a MABISZ honlapj\u00e1n tal\u00e1lhat\u00f3\u00a0\u00e1ltal\u00e1nos t\u00e1j\u00e9koztat\u00f3<\/a>. A Magyar Nemzeti Bank aj\u00e1nl\u00e1st adott ki a biztos\u00edt\u00f3k r\u00e9sz\u00e9re, t\u00f6bbek k\u00f6z\u00f6tt a nyugd\u00edjbiztos\u00edt\u00e1si term\u00e9kek maxim\u00e1lis TKM \u00e9rt\u00e9k\u00e9re vonatkoz\u00f3an. Az aj\u00e1nl\u00e1sr\u00f3l b\u0151vebben\u00a0itt<\/a>\u00a0t\u00e1j\u00e9koz\u00f3dhat.<\/p>\n

A nyugd\u00edjbiztos\u00edt\u00e1sok a nyugd\u00edjba vonul\u00e1st, 40%-ot meghalad\u00f3\u00a0rokkants\u00e1gi fok<\/em>, vagy a nyugd\u00edjkorhat\u00e1r el\u00e9r\u00e9s\u00e9t k\u00f6vet\u0151en<\/strong>\u00a0a szerz\u0151d\u00e9st\u0151l f\u00fcgg\u0151en\u00a0elt\u00e9r\u0151 szolg\u00e1ltat\u00e1sokat ny\u00fajtanak. Ilyen szolg\u00e1ltat\u00e1s lehet \u00e9lethosszig tart\u00f3, vagy hat\u00e1rozott idej\u0171<\/strong>\u00a0jellemz\u0151en havi\u00a0nyugd\u00edj kieg\u00e9sz\u00edt\u00e9s<\/strong>, vagy a\u00a0megtakar\u00edt\u00e1s eg\u00e9sz\u00e9nek<\/strong>\u00a0vagy egy\u00a0r\u00e9sz\u00e9nek<\/strong>\u00a0egy\u00f6sszeg\u0171\u00a0kifizet\u00e9se<\/strong>. A ny\u00fajtott szolg\u00e1ltat\u00e1sok k\u00f6re biztos\u00edt\u00f3nk\u00e9nt elt\u00e9r\u0151. A rendelkez\u00e9sre \u00e1ll\u00f3 lehet\u0151s\u00e9gek k\u00f6z\u00fcl az \u00fcgyf\u00e9l v\u00e1laszthatja meg az \u00e9lethelyzet\u00e9nek legmegfelel\u0151bb szolg\u00e1ltat\u00e1st.<\/p>\n

A biztos\u00edt\u00e1s\u00a0\u00e9ves befizet\u00e9sei ut\u00e1n 20%-os, maximum 130 ezer forintos ad\u00f3kedvezm\u00e9nyt ig\u00e9nyelhet<\/strong>, mely a megtakar\u00edt\u00e1sait gyarap\u00edtja. Az ad\u00f3kedvezm\u00e9ny\u00a0maxim\u00e1l\u00e1s kihaszn\u00e1l\u00e1s\u00e1hoz \u00e9ves szinten 650 000 Ft-os befizet\u00e9s sz\u00fcks\u00e9ges<\/strong>.<\/p>\n

A szerz\u0151d\u00e9st nyugd\u00edjba vonul\u00e1sig javasoljuk fenntartani<\/strong>. Ebben az esetben\u00a0ad\u00f3mentes\u00a0<\/strong>a szolg\u00e1ltat\u00e1s.<\/p>\n

El\u0151fordulhat azonban olyan \u00e9lethelyzet, melyben \u00d6n\u00a0\u00e1tmeneti anyagi neh\u00e9zs\u00e9gbe ker\u00fcl<\/strong>. Ilyen esetekre a biztos\u00edt\u00f3k \u00e1ltal\u00e1ban lehet\u0151s\u00e9get adnak a d\u00edj sz\u00fcneteltet\u00e9s\u00e9re<\/strong>.<\/p>\n

Amennyiben az \u00e9lethelyzete indokolja a\u00a0nyugd\u00edjba vonul\u00e1st megel\u0151z\u0151en is hozz\u00e1f\u00e9rhet<\/strong>\u00a0megtakar\u00edt\u00e1saihoz,\u00a0de<\/strong>\u00a0ez az ad\u00f3kedvezm\u00e9ny\u00a020%-al n\u00f6velten t\u00f6rt\u00e9n\u0151 visszafizet\u00e9s\u00e9t vonja maga ut\u00e1n<\/strong>, valamint a lej\u00e1ratb\u00f3l h\u00e1tral\u00e9v\u0151 futamid\u0151 f\u00fcggv\u00e9ny\u00e9ben a szerz\u0151d\u00e9sk\u00f6t\u00e9st k\u00f6vet\u0151 n\u00e9h\u00e1ny \u00e9vben jelent\u0151s k\u00f6lts\u00e9ggel j\u00e1rhat. Emellett ad\u00f3fizet\u00e9si k\u00f6telezetts\u00e9g is terheli.<\/p>\n

Lehet\u0151s\u00e9ge van kedvezm\u00e9nyezett megjel\u00f6l\u00e9s\u00e9re is<\/strong>, mellyel elhal\u00e1loz\u00e1sa eset\u00e9n a hagyat\u00e9ki elj\u00e1r\u00e1s mell\u0151z\u00e9s\u00e9vel, ak\u00e1r a t\u00f6rv\u00e9nyes \u00f6r\u00f6k\u00f6st\u0151l elt\u00e9r\u0151 rendelkez\u00e9s is adhat\u00f3. A\u00a0nyugd\u00edjbiztos\u00edt\u00e1si szolg\u00e1ltat\u00e1s<\/strong>\u00a0a t\u00f6bbi \u00f6ngondoskod\u00e1si term\u00e9kt\u0151l elt\u00e9r\u0151en a biztos\u00edtott hal\u00e1la vagy eg\u00e9szs\u00e9gk\u00e1rosod\u00e1sa eset\u00e9n\u00a0kieg\u00e9sz\u00fcl tov\u00e1bbi szolg\u00e1ltat\u00e1ssal is.<\/strong><\/p>\n

Rokkants\u00e1gi fok: Eg\u00e9szs\u00e9gi \u00e1llapot\u00e1nak legal\u00e1bb 40%-os m\u00e9rt\u00e9ket el\u00e9r\u0151 k\u00e1rosod\u00e1sa, felt\u00e9ve, hogy a nyugd\u00edjbiztos\u00edt\u00e1si szerz\u0151d\u00e9s l\u00e9trej\u00f6tt\u00e9nek id\u0151pontj\u00e1ban a biztos\u00edtott eg\u00e9szs\u00e9gk\u00e1rosod\u00e1sa a 40%-os m\u00e9rt\u00e9ket nem \u00e9ri el (f\u00fcggetlen\u00fcl att\u00f3l, hogy rokkants\u00e1gi vagy rehabilit\u00e1ci\u00f3s ell\u00e1t\u00e1sra jogosult-e vagy sem).<\/em><\/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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A Magyar Nemzeti Bank P\u00e9nz\u00fcgyi Fogyaszt\u00f3v\u00e9delmi K\u00f6zpont \u00e1ltal k\u00f6zz\u00e9tett \u00edr\u00e1s\u00e1ban pontos megfogalmaz\u00e1st olvashatunk a nyugd\u00edjr\u00f3l: A nyugd\u00edjas \u00e9vei p\u00e9nz\u00fcgyi tervez\u00e9s\u00e9t \u00e9rdemes m\u00e1r akt\u00edv keres\u0151korban elkezdeni. A nyugd\u00edj c\u00e9l\u00fa el\u0151 takar\u00e9koss\u00e1gnak …<\/p>\n","protected":false},"author":2,"featured_media":529,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[9],"tags":[19,23],"class_list":["post-518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nyugdij-megtakaritas","tag-nyugdij","tag-nyugdij-megtakaritas"],"yoast_head":"\nMi a Nyugd\u00edjbiztos\u00edt\u00e1s - nyugdíjspecialista.hu<\/title>\n<meta name=\"description\" content=\"A nyugd\u00edj c\u00e9l\u00fa el\u0151 takar\u00e9koss\u00e1gnak h\u00e1rom form\u00e1ja ismert: az \u00f6nk\u00e9ntes nyugd\u00edjp\u00e9nzt\u00e1r, a nyugd\u00edj-el\u0151takar\u00e9koss\u00e1gi sz\u00e1mla (NYESZ) \u00e9s a nyugd\u00edjbiztos\u00edt\u00e1sok.\" \/>\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\/mi-a-nyugdijbiztositas\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mi a Nyugd\u00edjbiztos\u00edt\u00e1s - 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