{"id":2660,"date":"2026-04-17T00:54:55","date_gmt":"2026-04-17T00:54:55","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2026\/04\/17\/neapibreztumas-sukciams-palanki-terpe\/"},"modified":"2026-04-17T00:54:55","modified_gmt":"2026-04-17T00:54:55","slug":"neapibreztumas-sukciams-palanki-terpe","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2026\/04\/17\/neapibreztumas-sukciams-palanki-terpe\/","title":{"rendered":"Neapibr\u0117\u017etumas \u2013 suk\u010diams palanki terp\u0117"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<div class=\"item_summary\">\n<p>I\u0161mok\u0173 i\u0161 antrosios pakopos pensij\u0173 fond\u0173 atsi\u0117mimo galimyb\u0117s sukuria tam tikr\u0105 rizik\u0105 \u2013 \u017emon\u0117s galvoja, kaip panaudoti gautus pinigus, ie\u0161ko sprendim\u0173,\u00a0o tuo gali pasinaudoti suk\u010diai. Tod\u0117l tokiu laikotarpiu reikia visus pasi\u016blymus vertinti itin kriti\u0161kai ir pasitik\u0117ti tik oficialia institucij\u0173 skelbiama informacija.<\/p>\n<\/p><\/div>\n<p><em>Lukas Jablonskas, Lietuvos banko Investicini\u0173 paslaug\u0173 ir bendrovi\u0173 prie\u017ei\u016bros skyriaus ekspertas<\/em><\/p>\n<p>Suk\u010diai siekia i\u0161naudoti aktualijas savo naudai:<\/p>\n<ol>&#13;<\/p>\n<li><strong>Imituoja oficialias institucijas.<\/strong> Suk\u010diai gali kurti\u00a0\u017einutes, kurios atrodo kaip i\u0161 \u201eSodros\u201c, pensij\u0173 fond\u0173, bank\u0173 ar valstyb\u0117s institucij\u0173. Jie naudojasi tuo, kad \u017emon\u0117s tikisi gauti informacijos b\u016btent \u0161ia tema.<\/li>\n<p>&#13;<\/p>\n<li><strong>Skuba ir spaud\u017eia.<\/strong> Suk\u010diai \u017eino, kad pereinamaisiais laikotarpiais \u017emon\u0117s bijo \u201epraleisti termin\u0105\u201c, tod\u0117l siun\u010dia \u017einutes su fraz\u0117mis \u201eb\u016btina veikti dabar\u201c, \u201epaskutin\u0117 galimyb\u0117 atsiimti l\u0117\u0161as\u201c, \u201egalimyb\u0117 atsiimti vis\u0105 sukaupt\u0105 suma\u201c.<\/li>\n<p>&#13;<\/p>\n<li><strong>Manipuliuoja emocijomis. <\/strong>Neapibr\u0117\u017etumas kelia nerim\u0105, o nerimas ma\u017eina kritin\u012f m\u0105stym\u0105. Suk\u010diai si\u016blo tariam\u0105 saugum\u0105: \u201eapsaugokite savo santaupas\u201c, \u201eperkelkite l\u0117\u0161as \u012f saugesn\u0119 investicij\u0105\u201c.<\/li>\n<p>&#13;<\/p>\n<li><strong>Naudoja realias naujienas.<\/strong> Kai vie\u0161ojoje erdv\u0117je daug kalbama apie pensij\u0173 reform\u0105 ar geopolitines rizikas, suk\u010diai \u012fterpia \u0161ias temas \u012f savo suk\u010diavimo schemas, kad jos atrodyt\u0173 \u012ftikinamiau.<\/li>\n<p>&#13;\n<\/ol>\n<p>Pereinamieji laikotarpiai ypa\u010d palank\u016bs suk\u010diams d\u0117l keleto prie\u017eas\u010di\u0173:<\/p>\n<ol>&#13;<\/p>\n<li><strong>Informacijos tr\u016bkumas.<\/strong> Kai reguliacin\u0117 aplinka ar makroekonomin\u0117 situacija kei\u010diasi, \u017emon\u0117s ne visada gauna ai\u0161kius atsakymus. Suk\u010diai u\u017epildo \u0161i\u0105 sprag\u0105 savo versijomis.<\/li>\n<p>&#13;<\/p>\n<li><strong>\u017dmon\u0117s ie\u0161ko patarim\u0173. <\/strong>Ne\u017einomyb\u0117 skatina ie\u0161koti \u201eekspert\u0173\u201c, o suk\u010diai \u012ftikinamai apsimeta finans\u0173 konsultantais.<\/li>\n<p>&#13;<\/p>\n<li><strong>Padid\u0117j\u0119s finansinis nerimas. <\/strong>Kai kyla gr\u0117sm\u0117 ekonomikai ar santaupoms, \u017emon\u0117s labiau link\u0119 rizikuoti, tik\u0117damiesi apsaugoti ar padidinti savo pinigus.<\/li>\n<p>&#13;<\/p>\n<li><strong>Greiti sprendimai. <\/strong>Reform\u0173 metu \u017emon\u0117s da\u017enai turi priimti sprendimus d\u0117l kaupimo, atsi\u0117mimo ar investavimo. Skub\u0117jimas \u2013 suk\u010di\u0173 s\u0105jungininkas.<\/li>\n<p>&#13;<\/p>\n<li><strong>Suma\u017e\u0117j\u0119s kriti\u0161kumas.<\/strong> Kai informacijos daug ir \u012fvairios, o laikas spaud\u017eia, \u017emon\u0117s ma\u017eiau tikrina faktus ir lengviau pasitiki tariamais \u201especialistais\u201c.<\/li>\n<p>&#13;\n<\/ol>\n<p><strong>Apibendrinimas.<\/strong> Suk\u010diai klesti ten, kur yra neai\u0161kumas ir emocinis spaudimas. Tod\u0117l pereinamieji laikotarpiai \u2013 nuo pensij\u0173 reform\u0173 iki geopolitini\u0173 krizi\u0173 \u2013 jiems tampa idealia dirva naujoms \u201einvesticin\u0117ms\u201c schemoms, kurios atrodo \u201elaiku\u201c, \u201eaktualiai\u201c ir \u201eskubiai\u201c, kurti.<\/p>\n<p>\u012evairi\u0173 form\u0173 investicinis suk\u010diavimas \u2013 kriptoturto \u201eplatformos\u201c, netikri fondai, \u201eunikali\u0173 galimybi\u0173\u201c si\u016blymas, automatizuoti robotai ar net \u201egarantuoto pelno\u201c programos \u2013 turi vien\u0105 bendr\u0105 bruo\u017e\u0105. Tai n\u0117ra technologija ar konkretus produktas. Tai psichologinis veikimo modelis. Pagrindinis principas visada tas pats: suk\u010diai \u017eada didel\u012f peln\u0105 su ma\u017ea arba nuline rizika, pasitelkdami emocin\u012f spaudim\u0105 ir su\u017eadindami skubos jausm\u0105. Visoms investicin\u0117ms apgavyst\u0117ms b\u016bdinga:<\/p>\n<ol>&#13;<\/p>\n<li><strong>Nerealisti\u0161kai didelio pelno pa\u017eadas. <\/strong>Tai \u2013 kertinis vis\u0173 investicinio suk\u010diavimo schem\u0173 elementas. Nesvarbu, ar kalbama apie kriptoturt\u0105, ar apie \u201eypa\u010d pelning\u0105 fond\u0105\u201c, visur \u017eadama greita gr\u0105\u017ea, garantuotas pelnas ir minimali rizika. Tai yra pirmas signalas, kur\u012f suk\u010diavimo prevencijos ekspertai ir teis\u0117saugos ekspertai apib\u016bdina kaip \u201eraudon\u0105 v\u0117liav\u0117l\u0119\u201c.<\/li>\n<p>&#13;<\/p>\n<li><strong>Skubos ir spaudimo taktika. <\/strong>Suk\u010diai kuria \u012fsp\u016bd\u012f, kad galimyb\u0117 yra ribota \u2013 \u201eliko tik kelios vietos\u201c, \u201epasi\u016blymas galioja iki \u0161iandien\u201c, \u201erinkos langas tuoj u\u017esidarys\u201c. Skub\u0117jimas ma\u017eina kritin\u012f m\u0105stym\u0105 ir didina tikimyb\u0119, kad \u017emogus priims impulsyv\u0173 sprendim\u0105.<\/li>\n<p>&#13;<\/p>\n<li><strong>Pasitik\u0117jimo iliuzijos k\u016brimas.<\/strong> Nesvarbu, ar tai tariamas konsultantas, ar profesionaliai atrodanti suklastota platforma \u2013 tikslas tas pats: sukurti \u012fsp\u016bd\u012f, kad bendraujama su patikimu finans\u0173 specialistu. Tai leid\u017eia \u017emogui atsipalaiduoti ir ma\u017eiau tikrinti faktus.<\/li>\n<p>&#13;<\/p>\n<li><strong>Ma\u017ei pirmieji \u017eingsniai.<\/strong> Dauguma schem\u0173 prasideda nuo nedidel\u0117s sumos. Kai \u017emogus pamato pirm\u0105 \u201epeln\u0105\u201c (da\u017enai tiesiog skai\u010dius platformoje), jis \u012fsitraukia daugiau ir tampa pa\u017eeid\u017eiamesnis.<\/li>\n<p>&#13;<\/p>\n<li><strong>Pelno atsi\u0117mimo blokavimas.<\/strong> Kai \u017emogus bando atsiimti l\u0117\u0161as, atsiranda \u201emokes\u010diai\u201c, \u201ekomisiniai\u201c, \u201etechniniai patvirtinimo mokes\u010diai\u201c, \u201epavedimo aktyvavimo mokestis\u201c, \u201eprie\u017ei\u016bros institucijos mokestis\u201c ir pan.<\/li>\n<p>&#13;\n<\/ol>\n<p><strong>Apibendrinimas. <\/strong>Tai yra universali taktika, pasikartojanti visose investicin\u0117se suk\u010diavimo schemose, nepriklausomai nuo j\u0173 formos. Pagrindinis investicinio suk\u010diavimo veikimo principas pagr\u012fstas tuo pa\u010diu modeliu: sukurti patikimumo iliuzij\u0105, pa\u017ead\u0117ti greit\u0105 peln\u0105 be rizikos ir i\u0161laikyti \u017emog\u0173 \u012fsitraukus\u012f pakankamai ilgai, kad jis \u201einvestuot\u0173\u201c kuo daugiau pinig\u0173. Tai psichologin\u0117 manipuliacija, o ne finansin\u0117 inovacija. \u0160i schema kartojama nuolat, nes j\u0105 taikant i\u0161naudojamos labai \u017emogi\u0161kos psichologin\u0117s reakcijos. Net tada, kai \u017emogus jau\u010dia, kad ka\u017ekas negerai, jis da\u017enai b\u016bna \u012ftrauktas \u012f proces\u0105 tiek emoci\u0161kai, tiek finansi\u0161kai, tod\u0117l sustoti tampa sunku. Suk\u010diai tai puikiai supranta. Schemai paprastai b\u016bdingi \u0161ie bruo\u017eai:<\/p>\n<p>1. <strong>\u201ePaskutinio \u017eingsnio\u201c iliuzija.<\/strong> Suk\u010diai \u017eino, kad \u017emogus jau investavo pinig\u0173 ir emocij\u0173. Tod\u0117l jie pateikia papildom\u0105 mokest\u012f kaip paskutin\u012f barjer\u0105 prie\u0161 tariam\u0105 peln\u0105. Tai sukuria \u012fsp\u016bd\u012f, kad viskas beveik baigta, tereikia dar keli\u0173 veiksm\u0173.<\/p>\n<p>2. <strong>\u201eSunkiai prarast\u0173 investicij\u0173\u201c efektas.<\/strong> Psichologijoje tai vadinama sunkiai prarast\u0173 s\u0105naud\u0173 klaida (angl. sunk cost fallacy). Kai \u017emogus jau \u012fd\u0117jo pinig\u0173, laiko ir vil\u010di\u0173, jam sunku pripa\u017einti, kad buvo apgautas. Tod\u0117l jis renkasi \u201edar pabandyti\u201c, kad pateisint\u0173 ankstesnius sprendimus.<\/p>\n<p>3. <strong>Suk\u010diai sukuria \u012ftikinam\u0105 istorij\u0105. <\/strong>Papildomi \u201emokes\u010diai\u201c pateikiami kaip tarptautiniai pavedimo mokes\u010diai, i\u0161mok\u0117jimo patvirtinimo mokestis, \u201eblokavimo\u201c ar \u201etechnin\u0117s prie\u017ei\u016bros\u201c mokestis, mokes\u010diai u\u017e \u201epelno legalizavim\u0105\u201c. Tai skamba \u012ftikinamai, ypa\u010d jei \u017emogus n\u0117ra susid\u016br\u0119s su realiomis investicijomis.<\/p>\n<p>4. <strong>Spaudimas laiku<\/strong>. Suk\u010diai da\u017enai sako, kad mokest\u012f reikia sumok\u0117ti \u0161iandien, per valand\u0105, kol \u201egalioja sistema\u201c. Skub\u0117jimas ma\u017eina kritin\u012f m\u0105stym\u0105 ir padidina tikimyb\u0119, kad \u017emogus sumok\u0117s.<\/p>\n<p>5.<strong> \u017dmogus jau\u010diasi \u012fsipareigoj\u0119s \u201ekonsultantui\u201c. <\/strong>Suk\u010diai da\u017enai b\u016bna labai malon\u016bs, kantr\u016bs, nuolat palaikantys ry\u0161\u012f. Tai sukuria pseudosantyk\u012f, t. y. sudaro iliuzij\u0105, kad tarp aukos ir \u201ekonsultanto\u201c u\u017esimezg\u0117 tikras ry\u0161ys. \u017dmogui tampa sunku pasakyti \u201ene\u201c, net jei jis abejoja.<\/p>\n<p>6. <strong>\u012etarimai ir l\u016bkestis egzistuoja vienu metu.<\/strong> Net kai kyla \u012ftarim\u0173, \u017emogus da\u017enai galvoja: \u201eO jeigu vis d\u0117lto tai tikras pelnas?\u201c Suk\u010diai puikiai manipuliuoja \u0161iuo l\u016bkes\u010diu.<\/p>\n<p><strong>Apibendrinimas. <\/strong>Tokia schema veikia, nes \u017emon\u0117s nori atgauti jau \u012fd\u0117tus pinigus, o suk\u010diai \u012fgudusiai manipuliuoja emocijomis. Schema atrodo logi\u0161ka tiems, kurie n\u0117ra susipa\u017ein\u0119 su finans\u0173 sektoriumi. Suk\u010diai nuolat adaptuoja s\u0105vokas ir suk\u010diavimo schemas prie aktualij\u0173, tod\u0117l viskas atrodo tikrovi\u0161ka.<\/p>\n<p>Daugiau informacijos, kaip apsisaugoti nuo suk\u010diavimo, \u010dia.\u00a0<\/p>\n<\/p><\/div>\n<p><script>\n    !function(f,b,e,v,n,t,s){if(f.fbq)return;n=f.fbq=function(){n.callMethod?\n            n.callMethod.apply(n,arguments):n.queue.push(arguments)};if(!f._fbq)f._fbq=n;\n            n.push=n;n.loaded=!0;n.version='2.0';n.queue=[];t=b.createElement(e);t.async=!0;\n            t.src=v;s=b.getElementsByTagName(e)[0];s.parentNode.insertBefore(t,s)}(window,\n        document,'script','https:\/\/connect.facebook.net\/en_US\/fbevents.js');\n    fbq('init', '449445692451263'); \/\/ Insert your pixel ID here.\n    fbq('track', 'PageView');\n<\/script><br \/>\n<br \/><br \/>\n<br \/><a href=\"https:\/\/www.lb.lt\/lt\/naujienos\/neapibreztumas-sukciams-palanki-terpe\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I\u0161mok\u0173 i\u0161 antrosios pakopos pensij\u0173 fond\u0173 atsi\u0117mimo galimyb\u0117s sukuria tam tikr\u0105 rizik\u0105 \u2013 \u017emon\u0117s galvoja, kaip panaudoti gautus pinigus, ie\u0161ko sprendim\u0173,\u00a0o tuo gali pasinaudoti suk\u010diai. Tod\u0117l tokiu laikotarpiu reikia visus pasi\u016blymus vertinti itin kriti\u0161kai ir pasitik\u0117ti tik oficialia institucij\u0173 skelbiama informacija. Lukas Jablonskas, Lietuvos banko Investicini\u0173 paslaug\u0173 ir bendrovi\u0173 prie\u017ei\u016bros skyriaus ekspertas Suk\u010diai siekia i\u0161naudoti [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2661,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[3],"tags":[3984,5056,4725,5057],"class_list":["post-2660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansai","tag-neapibreztumas","tag-palanki","tag-sukciams","tag-terpe"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"I\u0161mok\u0173 i\u0161 antrosios pakopos pensij\u0173 fond\u0173 atsi\u0117mimo galimyb\u0117s sukuria tam tikr\u0105 rizik\u0105 \u2013 \u017emon\u0117s galvoja, kaip panaudoti gautus pinigus, ie\u0161ko sprendim\u0173, o tuo gali pasinaudoti suk\u010diai. 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