{"id":13,"date":"2020-10-03T18:06:00","date_gmt":"2020-10-03T18:06:00","guid":{"rendered":""},"modified":"2024-08-30T18:44:43","modified_gmt":"2024-08-30T18:44:43","slug":"2-samba-fondi-mottekusest","status":"publish","type":"post","link":"https:\/\/jannotults.ee\/index.php\/2020\/10\/03\/2-samba-fondi-mottekusest\/","title":{"rendered":"2. samba fondi m\u00f5ttekusest"},"content":{"rendered":"<p>Aktuaalseks on saanud k\u00fcsimus, kas j\u00e4tkata makseid 2. samba fondi.<\/p>\n<p><\/p>\n<p>Kas me oleme m\u00f5elnud, et<\/p>\n<p>Kui riik satub rahvastikup\u00fcramiidi t\u00f5ttu raskustesse, siis satub sinna ka erasektor?<\/p>\n<p>Kui paneme raha k\u00f5rvale 3 a enne pensioni kuni pensionini, siis raha v\u00e4\u00e4rtus v\u00e4ga ei lange. H\u00fcperinflatsiooni korral on iga sent v\u00e4\u00e4rt ja m\u00f5ttekas kohe kulutada ning kas ettev\u00f5te, mille aktsiasse sai investeeritud, suudab asjalikult reageerida?<\/p>\n<p>Poliitikutel on tahtmine pension\u00e4ridele silma paista pensionit\u00f5usu tagamisega. Saab ju paista heategijatena.<\/p>\n<p>Kui paneme k\u00f5rvale 2 % kuus \u00fche kuu palgast, siis 50 kuuga (4 aastaga) paneme k\u00f5rvale 1 kuu palga. Kui t\u00f6\u00f6iga algab 25selt ja l\u00f5peb 63-ga (tegelikult juba praegu hiljem), siis nt 60ndaks eluaastaks, kui nooreea lapsed on \u00fcles kasvatatud, koolitatud ja ellu l\u00e4inud, on k\u00f5rvale pandud 9 kuu raha, mille ostuj\u00f5u v\u00e4\u00e4rtus on loodetavasti s\u00e4ilinud (60-25=35 ja 35\/4= u 9). Kui hakata koguma 60selt, kui reisid on reisitud ja lapsed iseseisva elu peal, j\u00f5uab 3 aastaga koguda 50% k\u00f5rvale pannes 18 kuu raha. See on rohkem kui 9 kuu oma ja s\u00e4ilinud riigipension t\u00e4ismahus, muidu u 75%. Muidu on 27 kuu (9 + 18 riigilt) oma + veel 18 kuu oma, samas v\u00f5ib olla saanud v\u00e4hem kulutada ja tekib huvi s\u00e4\u00e4stetav raha n\u00fc\u00fcd l\u00f5puks laiaks l\u00fc\u00fca.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aktuaalseks on saanud k\u00fcsimus, kas j\u00e4tkata makseid 2. samba fondi. Kas me oleme m\u00f5elnud, et Kui riik satub rahvastikup\u00fcramiidi t\u00f5ttu raskustesse, siis satub sinna ka erasektor? Kui paneme raha k\u00f5rvale 3 a enne pensioni kuni pensionini, siis raha v\u00e4\u00e4rtus v\u00e4ga ei lange. H\u00fcperinflatsiooni korral on iga sent v\u00e4\u00e4rt ja m\u00f5ttekas kohe kulutada ning kas ettev\u00f5te, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":1,"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"predecessor-version":[{"id":229,"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/posts\/13\/revisions\/229"}],"wp:attachment":[{"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jannotults.ee\/index.php\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}