{"id":531,"date":"2017-12-08T18:00:52","date_gmt":"2017-12-08T17:00:52","guid":{"rendered":"http:\/\/www.nyugdijspecialista.hu\/?p=531"},"modified":"2018-03-24T18:20:53","modified_gmt":"2018-03-24T17:20:53","slug":"penzugyi-nyomorba-taszitod-magad","status":"publish","type":"post","link":"https:\/\/digi-web.hu\/nysp\/penzugyi-nyomorba-taszitod-magad\/","title":{"rendered":"P\u00e9nz\u00fcgyi nyomorba tasz\u00edtod magad"},"content":{"rendered":"<p><strong>Egyre t\u00f6bb magyar feln\u0151tt van tiszt\u00e1ban a megtakar\u00edt\u00e1s jelent\u0151s\u00e9g\u00e9vel, \u00e9s tesznek is az\u00e9rt, hogy rendelkezzenek tartal\u00e9kkal.<\/strong><\/p>\n<p>A megtakar\u00edt\u00e1s fontoss\u00e1g\u00e1val tiszt\u00e1ban vannak a magyarok, \u00e9s el\u0151rel\u00e9p\u00e9snek tekintik, ha n\u00f6velni tudj\u00e1k a f\u00e9lretett p\u00e9nz\u00fck mennyis\u00e9g\u00e9t \u2013 der\u00fcl ki az NRC piackutat\u00f3 c\u00e9g reprezentat\u00edv felm\u00e9r\u00e9s\u00e9b\u0151l, amelyet a CIB Bank megb\u00edz\u00e1s\u00e1b\u00f3l v\u00e9gzett. A kutat\u00e1s adatai szerint a megk\u00e9rdezettek 24 sz\u00e1zal\u00e9k\u00e1nak siker\u00fclt n\u00f6velnie megtakar\u00edt\u00e1s\u00e1t az elm\u00falt 2-3 \u00e9vben, \u00e9s ezt a t\u00f6bbs\u00e9g\u00fck (56%) nagyon jelent\u0151s el\u0151rel\u00e9p\u00e9snek tartja.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-534\" src=\"https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/12\/penzugyi_nyomorba.jpg\" alt=\"megtakar\u00edt\u00e1s, nyugd\u00edj?\" width=\"640\" height=\"400\" srcset=\"https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/12\/penzugyi_nyomorba.jpg 640w, https:\/\/digi-web.hu\/nysp\/wp-content\/uploads\/2017\/12\/penzugyi_nyomorba-629x393.jpg 629w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/p>\n<p>A nyugd\u00edjra m\u00e9g mindig kevesen tesznek f\u00e9lre, b\u00e1r sokan, sokf\u00e9lek\u00e9pp h\u00edvjuk fel a figyelmet ennek fontoss\u00e1g\u00e1ra. Rohamosan v\u00e1lnak egyre bor\u00fasabb\u00e1 a nyugd\u00edjra k\u00e9sz\u00fcl\u0151k kil\u00e1t\u00e1sai: nagyon r\u00f6vid id\u0151n bel\u00fcl, tizen\u00f6t-h\u00fasz \u00e9v alatt s\u00falyos probl\u00e9m\u00e1kkal szembes\u00fcl majd a nyugd\u00edjrendszer, h\u00fasz-harminc \u00e9ves t\u00e1vlatban pedig a jelenlegi m\u00f3don fenntarthatatlan lehet. Ennek egyik f\u0151 oka a demogr\u00e1fiai folyamatokban rejlik:\u00a0a\u00a0szakember szerint \u201edemogr\u00e1fiai sivatag\u201d alakulhat ki, vagyis\u00a0kevesen fizethetik a j\u00e1rul\u00e9kot, mik\u00f6zben t\u00f6bb nyugd\u00edjas k\u00f6z\u00f6tt kell majd sz\u00e9tosztani a fedezetet.\u00a0Ek\u00f6zben pedig elk\u00e9peszt\u0151 m\u00e9reteket \u00f6lt a kiv\u00e1ndorl\u00e1s \u2013 becsl\u00e9sek szerint m\u00e1r hatsz\u00e1zezer magyar dolgozik k\u00fclf\u00f6ld\u00f6n, \u0151k teh\u00e1t nem fizetnek itthon semmilyen j\u00e1rul\u00e9kot, \u00e9s nincs munk\u00e1ltat\u00f3juk Magyarorsz\u00e1gon, aki szoci\u00e1lis hozz\u00e1j\u00e1rul\u00e1si ad\u00f3t fizetne.\u00a0Tov\u00e1bbi probl\u00e9mak\u00e9nt eml\u00edtette, hogy\u00a0t\u00f6bb mint egymilli\u00f3 ember csak minim\u00e1lb\u00e9rre vagy ann\u00e1l is\u00a0alacsonyabb b\u00e9rre van bejelentve, \u00edgy a nyugd\u00edjjogosults\u00e1guk is minim\u00e1lis lesz.<\/p>\n<p>Az, hogy a szoci\u00e1lis hozz\u00e1j\u00e1rul\u00e1si ad\u00f3 tavaly m\u00e9g 27 sz\u00e1zal\u00e9k volt, id\u00e9n 22 sz\u00e1zal\u00e9k lett, j\u00f6v\u0151re pedig feltehet\u0151en 19 \u00e9s f\u00e9l sz\u00e1zal\u00e9kra cs\u00f6kken, a versenyk\u00e9pess\u00e9get n\u00f6velheti, de a hossz\u00fa t\u00e1v\u00fa nyugd\u00edj-fenntarthat\u00f3s\u00e1got rendk\u00edv\u00fcli m\u00e9rt\u00e9kben vesz\u00e9lyezteti. Egysz\u00e1zal\u00e9knyi szoci\u00e1lis hozz\u00e1j\u00e1rul\u00e1si ad\u00f3cs\u00f6kkent\u00e9s ugyanis m\u00e1r 70-80 milli\u00e1rd forintos hi\u00e1nyt tud el\u0151id\u00e9zni, annyival kevesebb lehet a bev\u00e9tele a nyugd\u00edjkassz\u00e1nak. \u201eTeh\u00e1t itt a r\u00f6vid t\u00e1v\u00fa \u00e9rdekek \u00fctk\u00f6znek \u2013 szok\u00e1s szerint \u2013 a hossz\u00fa t\u00e1v\u00fa \u00e9rdekekkel\u201d, \u00e9s \u00e1ltal\u00e1ban az el\u0151bbiek nyernek \u2013 v\u00e9lekedett a nyugd\u00edjszak\u00e9rt\u0151. B\u00e1r ezek a probl\u00e9m\u00e1k a fiatalabbakat \u00e9rintik a leger\u0151teljesebben, m\u00e1r az 50 \u00e9v alattiaknak is szembes\u00fclni\u00fck kell majd neh\u00e9zs\u00e9gekkel. Kit\u00e9rt arra is, hogy az \u00fagynevezett elm\u00e9leti helyettes\u00edt\u00e9si r\u00e1ta (ami megmutatja, hogy egy friss nyugd\u00edjas \u00faj nyugd\u00edja hogy ar\u00e1nylik az utols\u00f3 akt\u00edv kori kereset\u00e9nek a nett\u00f3 \u00f6sszeg\u00e9hez) id\u00e9n m\u00e9g 66-67 sz\u00e1zal\u00e9k, vagyis p\u00e9ld\u00e1ul sz\u00e1zezer forint ut\u00e1n \u00e1tlagban 66-67 ezer forint j\u00e1rhat. A mostani \u00f6tvenesek jelent\u0151s r\u00e9sze azonban m\u00e1r csak 50 sz\u00e1zal\u00e9k alapj\u00e1n sz\u00e1m\u00edthat majd a nyugd\u00edj\u00e1ra, a harmincas-negyvenes koroszt\u00e1ly pedig 30-35 sz\u00e1zal\u00e9kos helyettes\u00edt\u00e9si r\u00e1t\u00e1val sz\u00e1molhat. \u201eMin\u00e9l fiatalabb valaki, ann\u00e1l ink\u00e1bb vesz\u00e9lyeztetve \u00e9rezheti mag\u00e1t\u201d \u2013 \u00f6sszegezte Farkas Andr\u00e1s. A nyugd\u00edjszak\u00e9rt\u0151 kiemelte: nekik \u00e9s a k\u00f6z\u00e9pkor\u00faaknak is azt aj\u00e1nlja, hogy v\u00e1lasszanak valamilyen \u00f6ngondoskod\u00e1si form\u00e1t.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Ne halogass tov\u00e1bb!<\/strong><\/p>\n<p><strong>Ma m\u00e1r nem az a k\u00e9rd\u00e9s, hogy akarsz-e nyugd\u00edjbiztos\u00edt\u00e1st, hanem hogy mikor?<\/strong><br \/>\n<strong> Nekem az a feladatom, hogy hozz\u00e1seg\u00edtselek a Boldog, m\u00e9lt\u00f3s\u00e1gteljes nyugd\u00edjas \u00e9vek biztons\u00e1g\u00e1hoz.<\/strong><\/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>Egyre t\u00f6bb magyar feln\u0151tt van tiszt\u00e1ban a megtakar\u00edt\u00e1s jelent\u0151s\u00e9g\u00e9vel, \u00e9s tesznek is az\u00e9rt, hogy rendelkezzenek tartal\u00e9kkal. A megtakar\u00edt\u00e1s fontoss\u00e1g\u00e1val tiszt\u00e1ban vannak a magyarok, \u00e9s el\u0151rel\u00e9p\u00e9snek tekintik, ha n\u00f6velni tudj\u00e1k a &hellip;<\/p>\n","protected":false},"author":2,"featured_media":534,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[9],"tags":[23,4],"class_list":["post-531","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nyugdij-megtakaritas","tag-nyugdij-megtakaritas","tag-nyugdijrendszer"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u00e9nz\u00fcgyi nyomorba tasz\u00edtod magad - nyugd&iacute;jspecialista.hu<\/title>\n<meta name=\"description\" content=\"Egyre t\u00f6bb magyar feln\u0151tt van tiszt\u00e1ban a megtakar\u00edt\u00e1s jelent\u0151s\u00e9g\u00e9vel, \u00e9s tesznek is az\u00e9rt, hogy rendelkezzenek tartal\u00e9kkal. \u2026A nyugd\u00edjra m\u00e9g mindig kevesen tesznek f\u00e9lre\" \/>\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\/penzugyi-nyomorba-taszitod-magad\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P\u00e9nz\u00fcgyi nyomorba tasz\u00edtod magad - 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