{"id":770,"date":"2025-04-02T08:14:45","date_gmt":"2025-04-02T08:14:45","guid":{"rendered":"https:\/\/www.kraliktomas-partners.com\/?p=770"},"modified":"2025-04-02T08:14:47","modified_gmt":"2025-04-02T08:14:47","slug":"ako-mate-zabezpeceny-vas-zivot-v-pripade-ze-vazne-ochoriete-alebo-sa-vam-stane-nejaky-uraz-kolko-vam-zaplati-ahv-alebo-bvg-rentu-mate-vobec-odvadzane-do-tychto-pilierov-vase-peniaze","status":"publish","type":"post","link":"https:\/\/www.kraliktomas-partners.com\/?p=770","title":{"rendered":"Ako m\u00e1te zabezpe\u010den\u00fd V\u00e1\u0161 \u017eivot v pr\u00edpade, \u017ee v\u00e1\u017ene ochoriete alebo sa V\u00e1m stane nejak\u00fd \u00faraz? Ko\u013eko V\u00e1m zaplat\u00ed AHV alebo BVG rentu? M\u00e1te v\u00f4bec odv\u00e1dzan\u00e9 do t\u00fdchto Pilierov va\u0161e peniaze???"},"content":{"rendered":"\n

Ako m\u00e1te zabezpe\u010den\u00fd svoj \u017eivot? Viete \u010do sa stane ak zostanete chor\u00ed alebo sa V\u00e1m stane \u00faraz, ktor\u00fd V\u00e1s pozna\u010d\u00ed na zvy\u0161ok \u017eivota? Ako m\u00e1te zabezpe\u010den\u00e9 svoje deti v pr\u00edpade ak sa dostanete na 18 mesa\u010dn\u00fa PN? Viete ko\u013eko dostanete ak budete na 100% invalidnom d\u00f4chodku? A \u010do ak zostanete na \u010diasto\u010dnom invalidnom d\u00f4chodku?<\/p>\n\n\n\n

\u0160vaj\u010diarsko nieje soci\u00e1lny \u0161t\u00e1t a preto tieto sumy s\u00fa \u010dastokr\u00e1t ni\u017e\u0161ie ako na\u0161e n\u00e1klady. Kto bude plati\u0165 n\u00e1klady na zdrav. starostlivos\u0165, n\u00e1jom, \u0161kolu pre va\u0161e deti a ko\u013eko?<\/p>\n\n\n\n

\u010co sa vlastne bude dia\u0165 ke\u010f ostanem chor\u00fd? \u017dijeme v krajine, kde vo vo\u013enom \u010dase beh\u00e1me po hor\u00e1ch, vedieme r\u00fdchli \u017eivot, pracujeme nespo\u010detne ve\u013ea hod\u00edn, vystavujeme sa stresu, strachu a \u017eijeme s neistotou. Toto v\u0161etko n\u00e1s aj na\u0161u rodinu m\u00f4\u017ee negat\u00edvne pozna\u010di\u0165.<\/p>\n\n\n\n

Ka\u017ed\u00fd ma in\u00fa \u017eivotn\u00fa situ\u00e1ciu a preto treba h\u013eada\u0165 rie\u0161enie na mieru. Tak m\u00e1lo sta\u010d\u00ed na to, aby sme zmenili na\u0161u psychiku. Na\u0161e negat\u00edvne my\u0161lienky. <\/p>\n\n\n\n

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Invalidn\u00e1 renta z p\u00f4vodu choroby sa vypo\u010d\u00edtavaz tzv.SKALA 44. https:\/\/www.ahv-iv.ch\/Portals\/0\/adam\/AHV-IV\/WZuPffYb1UatWSmbYCJcYQ\/Document\/Monatliche%20Vollrenten,%20Skala%2044%2012.pdf<\/a> Nie, nesk\u00fa\u0161ajte to \u0161tudova\u0165, je to ve\u013emi zav\u00e1dzaj\u00face a zlo\u017eit\u00e9 to pochopi\u0165. 44 znamenaj\u00fa roky, ktor\u00e9 je mo\u017en\u00e9 vo \u0160vaj\u010diarsku odrobi\u0165. Teda, m\u00f4\u017eete pracova\u0165 aj viac, ale maxim\u00e1lne V\u00e1m bud\u00fa po\u010d\u00edta\u0165 z\u00e1robok za 44rokov. Je n\u00e1s tu ve\u013emi m\u00e1lo, ktor\u00fdm sa to podar\u00ed. V priemere to je 23rokov \u010do tu odrob\u00edme. \u010ci\u017ee nie\u010do viac ako je polovi\u010dn\u00e1 mo\u017enos\u0165. CHF 90.720,00 je maxim\u00e1lny pr\u00edjem z ktor\u00e9ho n\u00e1m vypo\u010d\u00edtaj\u00fa v\u00fd\u0161ku d\u00f4chodku. \u010ci u\u017e starobn\u00e9ho ale aj Invalidn\u00e9ho. Priemern\u00fd ro\u010dn\u00fd plat medzi nami je na \u00farovni CHF 52.000,00 Tak\u017ee op\u00e4\u0165 nie\u010do nad polovicou. V tej tabu\u013eke sa dozviete aj o vdovskom \u010di sirotskom d\u00f4chodku.<\/p>\n\n\n\n

Len\u017ee tento \u010dl\u00e1nok nieje o tom, aby ste si sami nie\u010do doh\u013ead\u00e1vali alebo vypo\u010d\u00edtali svoje d\u00f4chodky, ale o tom, \u017ee ma\u0165 spr\u00e1vne nastaven\u00e9 krytie na\u0161ich \u017eivotn\u00fdch potrieb v pr\u00edpade, \u017ee sa n\u00e1m nie\u010do stane je jedna z najd\u00f4le\u017eitej\u0161\u00edch krokov, ktor\u00e9 by sme mali spravi\u0165. A\u017e nie t\u00e1 najd\u00f4le\u017eitej\u0161ia…….<\/p>\n\n\n\n

Spolo\u010dnos\u0165 Kralik Tomas & Partners V\u00e1m odpovie na ka\u017ed\u00fa Va\u0161u ot\u00e1zku, nastav\u00edme presne na mieru Vami po\u017eadovan\u00e9 programy, potreby ale hlavne ISTOTY pre V\u00e1s a Va\u0161im najbli\u017e\u010d\u00edch.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ako m\u00e1te zabezpe\u010den\u00fd svoj \u017eivot? Viete \u010do sa stane ak zostanete chor\u00ed alebo sa V\u00e1m stane \u00faraz, ktor\u00fd V\u00e1s pozna\u010d\u00ed na zvy\u0161ok \u017eivota? Ako m\u00e1te zabezpe\u010den\u00e9 svoje deti v pr\u00edpade ak sa dostanete na 18 mesa\u010dn\u00fa PN? Viete ko\u013eko dostanete ak budete na 100% invalidnom d\u00f4chodku? A \u010do ak zostanete na \u010diasto\u010dnom invalidnom d\u00f4chodku? \u0160vaj\u010diarsko…
Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":772,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t