{"id":921,"date":"2024-11-16T11:20:56","date_gmt":"2024-11-16T11:20:56","guid":{"rendered":"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/"},"modified":"2024-11-16T11:20:56","modified_gmt":"2024-11-16T11:20:56","slug":"z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos","status":"publish","type":"post","link":"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/","title":{"rendered":"Z kartos taupo pensijai daugiau nei ankstesn\u0117s kartos"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>25 met\u0173 Johnas Darby prisimena 2008-\u0173j\u0173 finans\u0173 kriz\u0119 kaip pirm\u0105 kart\u0105, kai jo t\u0117vai susir\u016bpino d\u0117l pinig\u0173. Tada, b\u016bdamas vos 9 met\u0173, jis tiki, kad tai jam ir jo kartai padar\u0117 ilgalaik\u012f \u012fsp\u016bd\u012f ir paskatino juos taupyti. 2021 m. Darby prad\u0117jo kaupti 10% savo atlyginimo pensijai.<\/p>\n<p>\u201eManau, kad b\u016btent tod\u0117l tai paskatino mus vis labiau r\u016bpintis taupymu\u201c, \u2013 sako Darby, \u201eGraham Capital Wealth\u201c klient\u0173 aptarnavimo bendradarbis Tampoje, Floridoje.<\/p>\n<p>Z karta (paprastai apibr\u0117\u017eiama kaip \u017emon\u0117s, gim\u0119 nuo 1997 iki 2012 m.)<strong> <\/strong>i\u0161 tikr\u0173j\u0173 yra motyvuotas taupyti. Remiantis Vanguard ataskaita, jie prisideda prie savo 401 (k) plan\u0173 didesniu grei\u010diu nei t\u016bkstantme\u010diai (\u017emon\u0117s, gim\u0119 1981\u20131996 m.), kai pirm\u0105 kart\u0105 prad\u0117jo dirbti. 2021 m. 62 procentai 18\u201324 met\u0173 am\u017eiaus darbuotoj\u0173 prisid\u0117jo prie 401 (k) plan\u0173; Tai yra daugiau nei dvigubai daugiau nei tos pa\u010dios am\u017eiaus grup\u0117s 2006 m. rodiklis (30 %). Tai neigiamai veikia tendencij\u0105, kad jaunesn\u0117s kartos taupo ma\u017eiau nei vyresn\u0117s kartos.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/#Kur_Z_genas_deda_pinigus\" >Kur Z genas deda pinigus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/#1_Pinigai_nebera_tabu\" >1.    Pinigai neb\u0117ra tabu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/#2_Investuoti_yra_maziau_sudetinga\" >2.    Investuoti yra ma\u017eiau sud\u0117tinga<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/#3_Automatinis_registravimas_i_401k_planus\" >3.    Automatinis registravimas \u012f 401(k) planus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/#4_Studento_paskolos_derinimas\" >4.    Studento paskolos derinimas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/sekmesreceptai.lt\/index.php\/2024\/11\/16\/z-kartos-taupo-pensijai-daugiau-nei-ankstesnes-kartos\/#6_Programeles_palengvina_investavima\" >6.    Program\u0117l\u0117s palengvina investavim\u0105<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-where-gen-z-puts-its-money\"><span class=\"ez-toc-section\" id=\"Kur_Z_genas_deda_pinigus\"><\/span>Kur Z genas deda pinigus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Z kartos nariai taupo pinigus ne tik darbdavio remiamuose pensij\u0173 planuose. Atskirame \u201eFidelity\u201c tyrime apie moteris ir investavim\u0105 nustatyta, kad 77% Z kartos moter\u0173 ir 74% t\u016bkstantme\u010dio moter\u0173 turi investicij\u0173 \u012f akcij\u0173 rink\u0105, \u012fskaitant j\u0173 401(k)s, individualias akcijas, obligacijas, nekilnojam\u0105j\u012f turt\u0105 ir kriptovaliutas. Z kartos moterys investuoja 10,4% savo atlyginimo ne i\u0161\u0117jus \u012f pensij\u0105.<\/p>\n<p>Socialin\u0117 \u017einiasklaida i\u0161skiria Z kartos ir t\u016bkstantme\u010dius, kai kalbama apie taupym\u0105 ir investavim\u0105, sako 37 met\u0173 Kara Brockmeier, sertifikuota finans\u0173 planuotoja i\u0161 \u201ePremier Financial Partners\u201c Sent Luise, Mis\u016brio valstijoje. Socialin\u0117 \u017einiasklaida dar tik populiar\u0117jo, kai t\u016bkstantme\u010diai, tokie kaip Brockmeier, \u012fsitrauk\u0117 \u012f darbo j\u0117g\u0105. Brockmeieris sako, kad tada \u201eFacebook\u201c buvo vieta, kur galima pamatyti, \u201ek\u0105 veikia j\u016bs\u0173 draugai\u201c, o ne dalintis informacija ir gauti finansini\u0173 patarim\u0173.<\/p>\n<p>Dauguma Brockmeier Z kartos klient\u0173 yra apr\u016bpinti finansine informacija. \u201eJie tiesiog nori, kad kas nors perteikt\u0173 id\u0117jas daugiau nei kitos kartos, kurios galb\u016bt nor\u0117t\u0173 daugiau patarim\u0173\u201c, \u2013 sako ji. <\/p>\n<p>\u0160tai \u0161e\u0161ios prie\u017eastys, kod\u0117l Z karta yra pasirengusi sutaupyti daugiau nei ankstesn\u0117s kartos.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-1-nbsp-nbsp-money-is-no-longer-taboo\"><span class=\"ez-toc-section\" id=\"1_Pinigai_nebera_tabu\"><\/span><strong>1.<\/strong>    <strong>Pinigai neb\u0117ra tabu<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Ypa\u010d moterims pinigai buvo tabu ir retai apie juos kalbama prie piet\u0173 stalo, sako Lorna Kapusta, \u201eFidelity Investments\u201c moter\u0173 ir \u012fsipareigojim\u0173 skyriaus vadov\u0117. Ta\u010diau tai pasikeit\u0117, nes vis daugiau \u017emoni\u0173, ypa\u010d Z kartos moter\u0173, nori aptarti, kiek u\u017edirba, kiek investuoja ir kur investuoja, sako ji. \u201eZ kartos moterys, dabar labiau nei bet kada anks\u010diau, pripa\u017e\u012fsta, kad investavimas \u2013 ar i\u0161\u0117jus \u012f pensij\u0105, ar ne i\u0161\u0117jus \u012f pensij\u0105 \u2013 su bet kokiais turimais pinigais yra kelias \u012f\u2026 kart\u0173 turtus\u201c, \u2013 sako Kapusta.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-2-nbsp-nbsp-investing-is-less-complex\"><span class=\"ez-toc-section\" id=\"2_Investuoti_yra_maziau_sudetinga\"><\/span><strong>2.<\/strong><strong>   <\/strong> <strong>Investuoti yra ma\u017eiau sud\u0117tinga<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pastaraisiais metais investicij\u0173 pramon\u0117 daugiausia d\u0117mesio skyr\u0117 \u0161vietimui ir galimybi\u0173 investuoti visiems suteikimui, sako Kapusta. Daugelis \u012fmoni\u0173 suma\u017eino kli\u016btis investuoti, leisdamos \u017emon\u0117ms atidaryti s\u0105skaitas vos u\u017e 1 USD ir panaikindamos komisinius mokes\u010dius. Taip pat yra daugiau informacijos \u0161altini\u0173, \u012fskaitant internetinius seminarus ir podcast&#8217;us. Pavyzd\u017eiui, \u201eFidelity&#8217;s Women Talk Money\u201c podcast&#8217;as, kuriame daugiausia d\u0117mesio skiriama unikaliems finansiniams i\u0161\u0161\u016bkiams, su kuriais susiduria moterys, yra prieinama visiems, ne tik klientams.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-3-nbsp-nbsp-auto-enrollment-in-401-k-plans\"><span class=\"ez-toc-section\" id=\"3_Automatinis_registravimas_i_401k_planus\"><\/span><strong>3.<\/strong>    <strong>Automatinis registravimas \u012f 401(k) planus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u201eVanguard\u201c ataskaitoje tai buvo nurodyta kaip pagrindin\u0117 didelio Z kartos investuotoj\u0173 skai\u010diaus prie\u017eastis. 2006 m. tik 11 % darbdavi\u0173, dalyvavusi\u0173 tyrime, pasi\u016bl\u0117 automatin\u012f registravim\u0105. Ta\u010diau iki 2021 m. buvo \u012fvykdyta ma\u017edaug pus\u0117 plan\u0173.<\/p>\n<p>Vis daugiau darbdavi\u0173 si\u016blo automatin\u012f \u012ftraukim\u0105 \u012f 401(k) planus d\u0117l Secure Act 2.0 \u2013 2022 m. priimto federalinio \u012fstatymo, pagal kur\u012f \u012fmon\u0117s, priiman\u010dios naujus 401(k) ir 403(b) planus, nuo 2025 m. automati\u0161kai \u012ftraukt\u0173 tinkamus darbuotojus. Kita prie\u017eastis \u2013 valstyb\u0117s \u012fstatym\u0173 pakeitimai. Septyniolikoje valstij\u0173 dabar galioja \u012fstatymai, \u012fgalinantys valstyb\u0117s remiamus pensij\u0173 planus, sako Stevenas Calio, CSG Financial generalinis direktorius ir vienas i\u0161 \u012fk\u016br\u0117j\u0173 Doveryje, Delavere. Jis tikisi, kad laikui b\u0117gant \u0161is skai\u010dius did\u0117s.<\/p>\n<p>Neseniai atlikta Schwab apklausa rodo, kad Z karta (37 %) ir t\u016bkstantme\u010diai (35 %) da\u017eniau nei X kartos (28 %) ir Boomers (21 %) teigia, kad j\u0173 finansin\u0117 b\u016bkl\u0117 pager\u0117jo. \u201eSchwab Workplace Financial Services\u201c klient\u0173 patirties direktor\u0117 Marci Stewart sako, kad automatinis registravimas gali b\u016bti viena i\u0161 prie\u017eas\u010di\u0173, kod\u0117l Z karta yra optimisti\u0161kesn\u0117 d\u0117l savo finansin\u0117s pad\u0117ties.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-4-nbsp-nbsp-student-loan-matching\"><span class=\"ez-toc-section\" id=\"4_Studento_paskolos_derinimas\"><\/span><strong>4.<\/strong>    <strong>Studento paskolos derinimas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Be automatinio registravimosi, kai kurie darbdaviai savo i\u0161\u0117jimo \u012f pensij\u0105 planuose si\u016blo student\u0173 paskol\u0173 atitikim\u0105. Pavyzd\u017eiui, jei mokate 500 USD per m\u0117nes\u012f u\u017e student\u0173 paskol\u0105, j\u016bs\u0173 darbdavys gali atpa\u017einti t\u0105 mok\u0117jim\u0105 taip, tarsi j\u016bs tuos pinigus \u012fd\u0117tum\u0117te \u012f savo i\u0161\u0117jimo \u012f pensij\u0105 plan\u0105 ir pateikti atitikt\u012f pagal j\u0173 401 (k) atitikimo formul\u0119, sako Stewart.<\/p>\n<p>Da\u017eniau nei kitos kartos, \u201eGen Z\u201c kreipiasi \u012f \u201eInstagram\u201c ir \u201eTikTok\u201c d\u0117l finansini\u0173 patarim\u0173. \u201eFinfluenceriai\u201c da\u017enai \u012fdomiai ir lengvai suprantamai paai\u0161kina svarbias pinig\u0173 problemas. Ta\u010diau Z karta turi \u012fsitikinti, kad patarimai yra i\u0161 patikimo \u0161altinio, nes pagal Edelman Financial Engines tyrim\u0105 27% amerikie\u010di\u0173 prane\u0161a tap\u0119 klaiding\u0173 ar klaidinan\u010di\u0173 finansini\u0173 patarim\u0173 socialin\u0117je \u017einiasklaidoje aukomis.<\/p>\n<p>\u201eTirkite patarim\u0105 teikian\u010dio asmens kilm\u0119, sako Kapusta, nes \u201ene visi, kurie yra socialin\u0117je \u017einiasklaidoje ir teikia \u0161ias rekomendacijas, turi licencij\u0105\u201c. <\/p>\n<h2 class=\"wp-block-heading\" id=\"h-6-nbsp-nbsp-apps-make-investing-easier\"><span class=\"ez-toc-section\" id=\"6_Programeles_palengvina_investavima\"><\/span><strong>6.<\/strong>    <strong>Program\u0117l\u0117s palengvina investavim\u0105<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>2021 m. daugelis investuotoj\u0173 m\u0117g\u0117j\u0173 u\u017esidirbo pinig\u0173 pirkdami ir pardavin\u0117dami GameStop akcijas Robinhood prekybos programoje. Gen Z atkreip\u0117 d\u0117mes\u012f ir prad\u0117jo atsisi\u0173sti tokias programas kaip Robinhood, Fidelity ir E-Trade, sako Darby.<\/p>\n<p>\u0160ios programos leid\u017eia Gen Z investuoti sau nemokant komisinio ar tarpininkavimo mokes\u010dio, pa\u017eymi jis. Jis sako, kad lengva perkelti 100 ar 200 USD i\u0161 banko s\u0105skaitos \u012f program\u0117l\u0119 ir prad\u0117ti investuoti. Investuotojai netgi gali nusipirkti 1\/5 \u201eApple\u201c akcijos u\u017e ma\u017eiau nei 50 USD, o anks\u010diau investuotojai tur\u0117jo pirkti vis\u0105 akcij\u0105, tod\u0117l daugeliui tai buvo draud\u017eiama.<\/p>\n<p>Visa tai lemia, kad Z karta turi daugiau finansinio optimizmo nei ankstesn\u0117s kartos, nes daugelis Z kartos planuoja i\u0161eiti \u012f pensij\u0105 sulauk\u0119 60 met\u0173, sako Stewartas. Palyginimui, sako ji, Boomers planuoja i\u0161eiti \u012f pensij\u0105 sulauk\u0119s 68 met\u0173, o 65 metai yra vidutinis vis\u0173 kart\u0173 i\u0161\u0117jimo \u012f pensij\u0105 am\u017eius.<\/p>\n<p>\u012esivaizduokite, kokia finansin\u0117 galia yra 20 met\u0173 am\u017eiaus \u017emogaus, kuris i\u0161 karto \u017eino apie finansinio planavimo sprendimus, kuriuos gali pasi\u016blyti j\u0173 darbdavys, sako Stewartas. \u201eTo galia per 30 ar 40 met\u0173 karjer\u0105, atsi\u017evelgiant \u012f derinimo magij\u0105, (taip pat) tinkam\u0105 tiksl\u0173 nustatym\u0105 ir profesional\u0173 valdym\u0105, ver\u010dia mane optimisti\u0161kai vertinti j\u0173 ateit\u012f\u201c, \u2013 sako ji.  <\/p>\n<p class=\"has-small-font-size\"><strong><em>Nuotrauka i\u0161 Andrey_Popov\/Shutterstock.com<\/em><\/strong><\/p>\n<\/p><\/div>\n<p><script>\n!function(f,b,e,v,n,t,s)\n{if(f.fbq)return;n=f.fbq=function(){n.callMethod?\nn.callMethod.apply(n,arguments):n.queue.push(arguments)};\nif(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';\nn.queue=();t=b.createElement(e);t.async=!0;\nt.src=v;s=b.getElementsByTagName(e)(0);\ns.parentNode.insertBefore(t,s)}(window, document,'script',\n'https:\/\/connect.facebook.net\/en_US\/fbevents.js');\nfbq('init', '771015053018992');\nfbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.success.com\/gen-z-saves-for-retirement\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>25 met\u0173 Johnas Darby prisimena 2008-\u0173j\u0173 finans\u0173 kriz\u0119 kaip pirm\u0105 kart\u0105, kai jo t\u0117vai susir\u016bpino&#8230;<\/p>\n","protected":false},"author":1,"featured_media":922,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[1671,330,1667,1670,1669,1668],"class_list":["post-921","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sekmes-istorijos-patarimai","tag-ankstesnes","tag-daugiau","tag-kartos","tag-nei","tag-pensijai","tag-taupo"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/comments?post=921"}],"version-history":[{"count":0,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/posts\/921\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/media\/922"}],"wp:attachment":[{"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/media?parent=921"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/categories?post=921"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sekmesreceptai.lt\/index.php\/wp-json\/wp\/v2\/tags?post=921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}