{"id":169,"date":"2013-10-11T22:31:00","date_gmt":"2013-10-11T20:31:00","guid":{"rendered":"http:\/\/localhost\/firmaren\/oplati-sa-platit-odvody-do-socialnej-poistovne\/"},"modified":"2019-05-20T01:16:49","modified_gmt":"2019-05-19T23:16:49","slug":"oplati-sa-platit-odvody-do-socialnej-poistovne","status":"publish","type":"post","link":"https:\/\/www.firmaren.sk\/clanky\/oplati-sa-platit-odvody-do-socialnej-poistovne\/","title":{"rendered":"Oplat\u00ed sa plati\u0165 odvody do soci\u00e1lnej pois\u0165ovne?"},"content":{"rendered":"<p>Zoberieme si ako \u00a0<strong>pr\u00edklad<\/strong> <strong>dvoch mlad\u00fdch \u013eud\u00ed<\/strong> po skon\u010den\u00ed vysokej \u0161koly, ktor\u00ed vy\u0161tudovali architekt\u00faru. Jeden sa zamestn\u00e1 ako projektant vo firme za super hrub\u00fa mzdu 1500\u20ac, \u010do je v\u00a0\u010distej mzde 830 \u20ac\/mes. Druh\u00fd mlad\u00fd mu\u017e si zalo\u017e\u00ed s.r.o a\u00a0bude fakturova\u0165 firme 1500 \u20ac\/ mesa\u010dne a\u00a0za\u010dne sa stara\u0165 o\u00a0seba s\u00e1m. (V\u00a0na\u0161om pr\u00edklade vych\u00e1dzame z\u00a0faktu, \u017ee neberieme do \u00favahy infl\u00e1ciu).<\/p>\n<p>Zamestn\u00e1vate\u013e odvedie \u0161t\u00e1tu odvody do soci\u00e1lnej a\u00a0zdravotnej pois\u0165ovne vo v\u00fd\u0161ke 35,2 % t.j. 390\u20ac. Potom za zamestnanca odvedie 13,4% t.j. 149\u20ac. Nakoniec odvedie da\u0148 19% t.j. 123\u20ac. Celkom odvedie \u0161t\u00e1tu za zamestnanca 662 \u20ac\/ mesa\u010dne. <strong>Tento zamestnanec teda za 40 rokov akt\u00edvnej \u010dinnosti odvedie \u0161t\u00e1tu celkom 317\u00a0760 \u20ac.<\/strong> V\u00a065. Roku od\u00edde do starobn\u00e9ho d\u00f4chodku a\u00a0bude dost\u00e1va\u0165 v\u00a0priemere 42% z\u00a0\u010distej mzdy ako dnes a\u00a0to je 348,6\u20ac\/mes. Priemern\u00e1 \u00famrtnos\u0165 \u013eud\u00ed je okolo 75 rokov (\u017eeny 78 a\u00a0mu\u017ei 72 rokov), tak\u017ee starobn\u00fd d\u00f4chodok bude dost\u00e1va\u0165 v\u00a0priemere 10 rokov. <strong>Celkom dostane za 10 rokov od \u0161t\u00e1tu 41\u00a0832 \u20ac <\/strong>a\u00a0ostatok prepadne do rezervn\u00e9ho fondu (alebo do \u010diernej diery?). \u00a0Keby chcel dosta\u0165 nasp\u00e4\u0165 v\u0161etko, \u010do odovzdal \u0161t\u00e1tu, musel by sa do\u017ei\u0165 veku 140 rokov.<\/p>\n<p>Po\u010fme sa pozrie\u0165 na druh\u00e9ho \u0161tudenta, ktor\u00fd m\u00e1 s.r.o. Rozhodol sa neodv\u00e1dza\u0165 odvody do soci\u00e1lnej pois\u0165ovne, ale len do zdravotnej pois\u0165ovne, aj to z\u00a0minim\u00e1lnej mzdy. Do zdravotnej pois\u0165ovne bude mesa\u010dne odv\u00e1dza\u0165 55 \u20ac. V\u00fddaje s\u00a0podnikan\u00edm ( pren\u00e1jom, energie, telef\u00f3n, auto, spotrebn\u00fd materi\u00e1l a\u00a0zariadenie) si d\u00e1 do n\u00e1kladov. Po zn\u00ed\u017een\u00ed da\u0148ov\u00e9ho z\u00e1kladu na rozumn\u00fa mieru dostato\u010dnosti zaplat\u00ed da\u0148 v\u00a0priemere 15 \u20ac \/mes. Mesa\u010dne je to celkom 70 \u20ac. Oproti zamestnancovi uspor\u00ed na odvodoch a\u00a0daniach 592 \u20ac\/mes. <strong>Celkom tak odvedie \u0161t\u00e1tu\u00a0 za 40 rokov podnikania len 33\u00a0600 \u20ac.<\/strong> V\u00a0porovnan\u00ed so svojim kolegom zamestnancom <strong>mu zostane k\u00a0dispoz\u00edcii 284\u00a0160 \u20ac,<\/strong> \u010do je 592 \u20ac\/mes. Keby ich pravidelne odkladal do banky na terminovan\u00fd vklad 2%, tak za 40 rokov by mal\u00a0 na \u00fa\u010dte 433\u00a0856 \u20ac.<\/p>\n<p>Vo vyspel\u00fdch z\u00e1padn\u00fdch \u0161t\u00e1toch tvor\u00ed z\u00e1klad ekonomiky stredn\u00e1 vrstva zlo\u017een\u00e1 z\u00a0mana\u017e\u00e9rov, \u00a0zo \u017eivnostn\u00edkov,\u00a0mal\u00fdch podnikate\u013eov a rodinn\u00fdch firiem. U\u00a0n\u00e1s sa zatia\u013e maj\u00fa dobre len mana\u017e\u00e9ri ve\u013ek\u00fdch nadn\u00e1rodn\u00fdch a\u00a0\u0161t\u00e1tnych\u00a0 firiem, pr\u00edpadne funkcion\u00e1ri \u00a0\u0161t\u00e1tnych in\u0161tit\u00faci\u00ed a organiz\u00e1ci\u00ed, ktor\u00ed pracuj\u00fa ako zamestnanci.<\/p>\n<p>(Prevzat\u00e9 a\u00a0skr\u00e1ten\u00e9 z\u00a0bloku <strong>zbojek.blog.sme.sk)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zoberieme si ako \u00a0pr\u00edklad dvoch mlad\u00fdch \u013eud\u00ed po skon\u010den\u00ed vysokej \u0161koly, ktor\u00ed vy\u0161tudovali architekt\u00faru. Jeden sa zamestn\u00e1 ako projektant vo firme za super hrub\u00fa mzdu 1500\u20ac, \u010do je v\u00a0\u010distej mzde 830 \u20ac\/mes. Druh\u00fd mlad\u00fd mu\u017e si zalo\u017e\u00ed s.r.o a\u00a0bude fakturova\u0165 firme 1500 \u20ac\/ mesa\u010dne a\u00a0za\u010dne sa stara\u0165 o\u00a0seba s\u00e1m. (V\u00a0na\u0161om pr\u00edklade vych\u00e1dzame z\u00a0faktu, \u017ee neberieme &hellip; <a href=\"https:\/\/www.firmaren.sk\/clanky\/oplati-sa-platit-odvody-do-socialnej-poistovne\/\">Continued<\/a><\/p>\n","protected":false},"author":1,"featured_media":323,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Oplat\u00ed sa plati\u0165 odvody do soci\u00e1lnej pois\u0165ovne? - Firm\u00e1re\u0148.sk<\/title>\n<meta name=\"description\" content=\"Zoberieme si ako \u00a0pr\u00edklad dvoch mlad\u00fdch \u013eud\u00ed po skon\u010den\u00ed vysokej \u0161koly, ktor\u00ed vy\u0161tudovali architekt\u00faru. 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