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Veszélyes pszichológiai csapdák fenyegetik a nyugdíjra megtakarító magyarokat – Hogyan döntsünk jól?

portfolio.hu 2026-11-05 15:21:12 |

A nyugdíjcélú öngondoskodás nagy ellentmondása, hogy miközben az önkéntes nyugdíjpénztárba való korai belépés és a tudatos portfólióválasztás milliós nyugdíjtöbbletet jelentene, a hazai lakosság jelentős része mégis halogatja azt. Ráadásul a belépést követően sem feltétlenül dönt jól. A minimális tagdíjbefizetések és azoknak az inflációtól elmaradó növekedése, illetve az alapportfóliókhoz ragaszkodás egyaránt a túlzott óvatosságra utal. A viselkedési közgazdaságtan szerint a tudatalatti döntési mechanizmusok gyakran kevésé jó megtakarítási döntésekhez vezethetnek. Pedig minden 10 év halogatás felezheti a nyugdíjmegtakarítás összegét.

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Veszélyes pszichológiai csapdák fenyegetik a nyugdíjra megtakarító magyarokat – Hogyan döntsünk jól?

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