{"id":1830,"date":"2023-11-15T09:09:31","date_gmt":"2023-11-15T08:09:31","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1830"},"modified":"2023-11-15T09:09:32","modified_gmt":"2023-11-15T08:09:32","slug":"jak-si-vylepsit-sporeni-na-duchod","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/jak-si-vylepsit-sporeni-na-duchod\/","title":{"rendered":"Jak si vylep\u0161it spo\u0159en\u00ed na d\u016fchod?"},"content":{"rendered":"\n<p>Jak\u00e9 je nejlep\u0161\u00ed spo\u0159en\u00ed na d\u016fchod? To, kter\u00e9 m\u00e1te ve sv\u00fdch rukou! U\u017e se ned\u00e1 spol\u00e9hat jen na d\u016fchodov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed a st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek. Podpora st\u00e1tu se bude v&nbsp;pom\u011bru k&nbsp;pr\u016fm\u011brn\u00fdm mzd\u00e1m st\u00e1le sni\u017eovat. Vhodnou cestou, jak se dostate\u010dn\u011b p\u0159ipravit, je kombinace spo\u0159en\u00ed a investov\u00e1n\u00ed.&nbsp;<\/p>\n\n\n\n<p>Ministerstvo financ\u00ed vl\u00e1d\u011b p\u0159edlo\u017eilo n\u00e1vrh z\u00e1kona, kter\u00fd bude m\u00edt dopad na&nbsp;<strong>III.&nbsp;pil\u00ed\u0159 penzijn\u00edho spo\u0159en\u00ed<\/strong>. Za p\u0159\u00edsp\u011bvky do d\u016fchodov\u00e9ho pil\u00ed\u0159e si m\u016f\u017ee pl\u00e1tce ro\u010dn\u011b ode\u010d\u00edst a\u017e 24 tis\u00edc K\u010d. Pokud ov\u0161em dojde ke schv\u00e1len\u00ed novely z\u00e1kona, m\u016f\u017ee to od 1. ledna 2024 b\u00fdt <strong>a\u017e 48 tis\u00edc K\u010d<\/strong>. Vl\u00e1da tento n\u00e1vrh schv\u00e1lila 14.&nbsp;\u010dervna&nbsp;2023, m\u016f\u017ee ale doj\u00edt k&nbsp;jeho \u00faprav\u00e1m v&nbsp;r\u00e1mci dal\u0161\u00edho legislativn\u00edho procesu.<\/p>\n\n\n\n<p>Do budoucna m\u016f\u017eeme o\u010dek\u00e1vat zp\u0159\u00eds\u0148ov\u00e1n\u00ed podm\u00ednek, ale i zvy\u0161ov\u00e1n\u00ed podpory ze strany st\u00e1tu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jak-funguje-nove-doplnkove-penzijni-sporeni-pred-rokem-2022-penzijni-pripojisteni\"><strong>Jak funguje nov\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (p\u0159ed rokem 2022 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed)?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jedn\u00e1 se o dobrovoln\u00e9 spo\u0159en\u00ed na d\u016fchod na dobu neur\u010ditou.<\/li>\n\n\n\n<li>Je pot\u0159eba spo\u0159it minim\u00e1ln\u011b 100 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/li>\n\n\n\n<li>M\u016f\u017eete si vybrat z n\u011bkolika investi\u010dn\u00edch strategi\u00ed od konzervativn\u00ed s n\u00edzk\u00fdm rizikem po dynamickou s vy\u0161\u0161\u00edm rizikem, ale tak\u00e9 vy\u0161\u0161\u00edm o\u010dek\u00e1van\u00fdm v\u00fdnosem. P\u0159i nep\u0159\u00edzniv\u00e9m v\u00fdvoji trhu se m\u016f\u017eou va\u0161e \u00faspory dostat do minusu.<\/li>\n\n\n\n<li>V\u011bt\u0161ina lid\u00ed m\u00e1 st\u00e1le star\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Zhruba 20 % lid\u00ed vyu\u017e\u00edv\u00e1 nov\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>V\u00fdhody a nev\u00fdhody dopl\u0148kov\u00e9ho spo\u0159en\u00ed na d\u016fchod<\/strong><\/h2>\n\n\n\n<p>\u2795slo\u017een\u00e9 \u00faro\u010den\u00ed, st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, \u00faleva na dani, mo\u017enost z\u00edskat p\u0159\u00edsp\u011bvek od zam\u011bstnavatele<\/p>\n\n\n\n<p>\u2796n\u00edzk\u00e9 zhodnocen\u00ed (T\u00fdk\u00e1 se konzervativn\u00edch strategi\u00ed. Pro vy\u0161\u0161\u00ed zhodnocen\u00ed bychom m\u011bli zvolit dynamickou strategii), netransparentn\u00ed poplatky, velmi n\u00edzk\u00e1 likvidita (a\u017e des\u00edtky let), vklady bez poji\u0161t\u011bn\u00ed<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/sta\u0301tni\u0301-pr\u030ci\u0301spe\u030cvek-du\u030achodove\u0301-pr\u030cipojis\u030cte\u030cni\u0301.png\" alt=\"d\u016fchodov\u00e9 spo\u0159en\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek\" class=\"wp-image-1831\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/sta\u0301tni\u0301-pr\u030ci\u0301spe\u030cvek-du\u030achodove\u0301-pr\u030cipojis\u030cte\u030cni\u0301.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/sta\u0301tni\u0301-pr\u030ci\u0301spe\u030cvek-du\u030achodove\u0301-pr\u030cipojis\u030cte\u030cni\u0301-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/sta\u0301tni\u0301-pr\u030ci\u0301spe\u030cvek-du\u030achodove\u0301-pr\u030cipojis\u030cte\u030cni\u0301-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/du\u030achodove\u0301-spor\u030ceni\u0301-dan\u030cova\u0301-u\u0301spora.png\" alt=\"da\u0148ov\u00e1 \u00faspora dopl\u0148kov\u00e9ho penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed\" class=\"wp-image-1832\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/du\u030achodove\u0301-spor\u030ceni\u0301-dan\u030cova\u0301-u\u0301spora.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/du\u030achodove\u0301-spor\u030ceni\u0301-dan\u030cova\u0301-u\u0301spora-300x225.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/du\u030achodove\u0301-spor\u030ceni\u0301-dan\u030cova\u0301-u\u0301spora-768x576.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Pozn.: Obr\u00e1zky zn\u00e1zor\u0148uj\u00ed navrhovan\u00e9 zm\u011bny v penzijn\u00ed reform\u011b. Fin\u00e1ln\u00ed podoba m\u016f\u017ee b\u00fdt jin\u00e1.<\/em><\/p>\n\n\n\n<p>Pokud si chceme za\u010d\u00edt \u0161et\u0159it na d\u016fchod, r\u00e1zem se p\u0159ed n\u00e1mi vyroj\u00ed cel\u00e1 \u0159ada ot\u00e1zek. Odpov\u011bdi na n\u011b ale nemus\u00ed b\u00fdt v\u016fbec slo\u017eit\u00e9.&nbsp;<\/p>\n\n\n\n<p>\u201e<em>Ide\u00e1ln\u00ed je, pokud lid\u00e9 svou situaci konzultuj\u00ed s&nbsp;<\/em><a href=\"https:\/\/www.fingo.cz\/blog\/jan-walter-radi-jak-poznat-spolehliveho-financniho-poradce\/\"><em>vhodn\u00fdm finan\u010dn\u00edm specialistou<\/em><\/a><em> ve chv\u00edli, kdy maj\u00ed p\u0159ed d\u016fchodem je\u0161t\u011b <\/em><strong><em>dostatek \u010dasu<\/em><\/strong>,\u201c vysv\u011btluje region\u00e1ln\u00ed \u0159editel FinGO Adam Ka\u0161ka. \u201e<em>V\u011bt\u0161inu z&nbsp;n\u00e1s \u010dek\u00e1 d\u016fchod a\u017e za n\u011bkolik des\u00edtek let, a proto je zapot\u0159eb\u00ed <\/em><strong><em>investovat<\/em><\/strong><em>, ne jenom spo\u0159it. Spo\u0159en\u00ed a spo\u0159ic\u00ed produkty obecn\u011b se hod\u00ed jen ke kr\u00e1tkodob\u00e9mu ulo\u017een\u00ed pen\u011bz. K&nbsp;dlouhodob\u00fdm \u00fa\u010del\u016fm u\u017e tolik ne. Naopak investov\u00e1n\u00ed dok\u00e1\u017ee i v&nbsp;dlouh\u00e9m \u010dasov\u00e9m horizontu porazit inflaci a pen\u00edze nebudou ztr\u00e1cet na hodnot\u011b<\/em>,\u201c vysv\u011btluje Adam Ka\u0161ka.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jakou \u010d\u00e1stku si pravideln\u011b d\u00e1vat bokem?<\/strong><\/h2>\n\n\n\n<p>Na ot\u00e1zku, kolik pen\u011bz si d\u00e1vat stranou, se ned\u00e1 jednodu\u0161e odpov\u011bd\u011bt, proto\u017ee nikdo z&nbsp;n\u00e1s pochopiteln\u011b nev\u00ed, kolika let se do\u017eije. Nicm\u00e9n\u011b podle statistiky lid\u00e9 str\u00e1v\u00ed v&nbsp;d\u016fchodu \u010dtvrtinu sv\u00e9ho \u017eivota. Je zapot\u0159eb\u00ed odpov\u011bd\u011bt si na t\u0159i ot\u00e1zky:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Za jak dlouho<\/strong> p\u016fjdu do d\u016fchodu?<\/li>\n\n\n\n<li>Jakou <strong>m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku<\/strong> si p\u0159edstavuji m\u00edt v d\u016fchodu?<\/li>\n\n\n\n<li><strong>Jak dlouho<\/strong> chci v&nbsp;d\u016fchodu \u010derpat sv\u00e9 \u00faspory?<\/li>\n<\/ul>\n\n\n\n<p>P\u0159i stanoven\u00ed \u010d\u00e1stky na d\u016fchod vyu\u017eijme sou\u010dasnou v\u00fd\u0161i na\u0161ich n\u00e1klad\u016f, kterou pak nav\u00fd\u0161\u00edme o pr\u016fm\u011brnou inflaci, \u010d\u00edm\u017e vyv\u00e1\u017e\u00edme r\u016fst cen.&nbsp;<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-b75cf03ed046203ce43e7772f16521a8\"><strong><em>P\u0159\u00edklad:<\/em><\/strong> Pokud n\u00e1m do d\u016fchodu zb\u00fdv\u00e1 10 let a chceme po dobu 20 let pob\u00edrat rentu 10&nbsp;000 K\u010d, mus\u00edme si m\u011bs\u00ed\u010dn\u011b odkl\u00e1dat 12&nbsp;700 korun.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"705\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/kolik-me\u030csi\u0301c\u030cne\u030c-investovat-na-du\u030achod-1024x705.jpg\" alt=\"Nejlep\u0161\u00ed spo\u0159en\u00ed na d\u016fchod: kolik korun m\u011bs\u00ed\u010dn\u011b investovat\" class=\"wp-image-1833\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/kolik-me\u030csi\u0301c\u030cne\u030c-investovat-na-du\u030achod-1024x705.jpg 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/kolik-me\u030csi\u0301c\u030cne\u030c-investovat-na-du\u030achod-300x207.jpg 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/kolik-me\u030csi\u0301c\u030cne\u030c-investovat-na-du\u030achod-768x529.jpg 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/kolik-me\u030csi\u0301c\u030cne\u030c-investovat-na-du\u030achod-1080x743.jpg 1080w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/11\/kolik-me\u030csi\u0301c\u030cne\u030c-investovat-na-du\u030achod.jpg 1502w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Z&nbsp;tabulky je patrn\u00e9, \u017ee <strong>\u010d\u00edm d\u0159\u00edve za\u010dneme<\/strong> pravideln\u011b spo\u0159it nebo investovat, <strong>t\u00edm m\u00e9n\u011b s<\/strong>i mus\u00edme odkl\u00e1dat stranou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt investov\u00e1n\u00ed<\/strong><\/h2>\n\n\n\n<p>Pokud si chceme spo\u0159it na d\u016fchod, penzijn\u00ed spo\u0159en\u00ed m\u016f\u017ee b\u00fdt jeden ze zaj\u00edmav\u00fdch finan\u010dn\u00edch produkt\u016f, jak toho dos\u00e1hnout d\u00edky st\u00e1tn\u00ed podpo\u0159e a p\u0159\u00edsp\u011bvku zam\u011bstnavatele.<\/p>\n\n\n\n<p>Sou\u010dasn\u00e1 ekonomick\u00e1 situace n\u00e1m ale tak\u00e9 ukazuje, \u017ee se v budoucnu nem\u016f\u017eeme spol\u00e9hat pouze na st\u00e1tn\u00ed d\u016fchod, proto bychom si m\u011bli tvo\u0159it v\u00edce pasivn\u00edch p\u0159\u00edjm\u016f. Dal\u0161\u00ed mo\u017enost\u00ed m\u016f\u017ee b\u00fdt <a href=\"https:\/\/www.fingo.cz\/blog\/sporeni-na-duchod-dejte-prednost-investicim\/\">investov\u00e1n\u00ed <\/a>do otev\u0159en\u00fdch pod\u00edlov\u00fdch fond\u016f.<\/p>\n\n\n\n<p>Na z\u00e1klad\u011b investi\u010dn\u00edho dotazn\u00edku zjist\u00edte, do kter\u00fdch instrument\u016f se v\u00e1m vyplat\u00ed investovat. Investov\u00e1n\u00ed do otev\u0159en\u00fdch pod\u00edlov\u00fdch fond\u016f p\u0159in\u00e1\u0161\u00ed spoustu v\u00fdhod. Jednou z nich je osvobozen\u00ed od dan\u011b ze zisku 15 % (po spln\u011bn\u00ed da\u0148ov\u00e9ho testu 3 roky), zaj\u00edmav\u00fd potenci\u00e1ln\u00ed v\u00fdnos, kter\u00fd dlouhodob\u011b por\u00e1\u017e\u00ed inflaci, a t\u0159eba i rychl\u00e1 dostupnost finan\u010dn\u00edch prost\u0159edk\u016f.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Martin Milek na O\u010dko\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/x3Few7JsSBg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak jsme na tom? \u010ce\u0161i maj\u00ed naspo\u0159eno na d\u016fchod 595 miliard<\/strong><\/h2>\n\n\n\n<p>V polovin\u011b roku 2023 penzijn\u00ed spole\u010dnosti spravovaly p\u0159es <strong>595 naspo\u0159en\u00fdch miliard K\u010d<\/strong>, z toho necel\u00fdch 142 miliard K\u010d v modern\u00edch \u00fa\u010dastnick\u00fdch fondech. Zbyl\u00fdch 453 miliard K\u010d z\u016fst\u00e1v\u00e1 v transformovan\u00fdch fondech penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed \u2013 do t\u011bch p\u0159itom ji\u017e roky vstupovat nelze.<\/p>\n\n\n\n<p>Za prvn\u00ed polovinu roku 2023 se zv\u00fd\u0161il po\u010det osob zapojen\u00fdch v \u00fa\u010dastnick\u00fdch fondech z 1 638 767 na 1 732 327. <strong>P\u0159\u00edsp\u011bvek od zam\u011bstnavatele <\/strong>p\u0159itom nevyu\u017e\u00edvala ani t\u0159etina z nich.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak\u00fd je rozd\u00edl mezi p\u0159edd\u016fchodem a p\u0159ed\u010dasn\u00fdm d\u016fchodem?<\/strong><\/h2>\n\n\n\n<p>Pokud spo\u0159\u00edte dlouho a m\u00e1te naspo\u0159eno hodn\u011b, m\u016f\u017eete odej\u00edt do tzv. \u201ep\u0159edd\u016fchodu\u201c. Znamen\u00e1 to, \u017ee si ze sv\u00e9ho vlastn\u00edho bal\u00edku nech\u00e1te vypl\u00e1cet m\u011bs\u00ed\u010dn\u00ed rentu je\u0161t\u011b p\u0159edt\u00edm, ne\u017e dos\u00e1hnete v\u011bku pro odchod do \u0159\u00e1dn\u00e9ho d\u016fchodu.<\/p>\n\n\n\n<p><em>\u201eP\u0159edd\u016fchod nerovn\u00e1 se p\u0159ed\u010dasn\u00fd d\u016fchod. Mezi nejv\u011bt\u0161\u00ed v\u00fdhody p\u0159edd\u016fchodu oproti tomu p\u0159ed\u010dasn\u00e9mu pat\u0159\u00ed fakt, \u017ee se jeho \u010derp\u00e1n\u00edm nesni\u017euje v\u00fd\u0161e \u0159\u00e1dn\u00e9ho starobn\u00edho d\u016fchodu. Rovn\u011b\u017e m\u016f\u017eete p\u0159i jeho \u010derp\u00e1n\u00ed nad\u00e1le bez omezen\u00ed pracovat \u2013 to p\u0159i volb\u011b p\u0159ed\u010dasn\u00e9ho d\u016fchodu mo\u017en\u00e9 nen\u00ed. St\u00e1t za p\u0159edd\u016fchodce plat\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed, osvobozen\u00ed jsou rovn\u011b\u017e od poji\u0161t\u011bn\u00ed soci\u00e1ln\u00edho,\u201c <\/em>vysv\u011btluje Martin Milek, specialista na investice a spo\u0159en\u00ed.<\/p>\n\n\n\n<p>Jestli\u017ee st\u00e1le nev\u00edte, kde a jak za\u010d\u00edt, nev\u00e1hejte se na n\u00e1s <a href=\"https:\/\/www.fingo.cz\/kontakty\">obr\u00e1tit<\/a>. Najdeme finan\u010dn\u00edho poradce ve va\u0161\u00ed lokalit\u011b, kter\u00fd se na tuto problematiku specializuje. Nast\u00edn\u00ed v\u00e1m konkr\u00e9tn\u00ed mo\u017enosti, jak si u\u017e\u00edt pohodln\u00fd d\u016fchod bez starost\u00ed s pen\u011bzi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jak\u00e9 je nejlep\u0161\u00ed spo\u0159en\u00ed na d\u016fchod? To, kter\u00e9 m\u00e1te ve sv\u00fdch rukou! U\u017e se ned\u00e1 spol\u00e9hat jen na d\u016fchodov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed a st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek. Podpora st\u00e1tu se bude v&nbsp;pom\u011bru k&nbsp;pr\u016fm\u011brn\u00fdm mzd\u00e1m st\u00e1le sni\u017eovat. Vhodnou cestou, jak se dostate\u010dn\u011b p\u0159ipravit, je kombinace spo\u0159en\u00ed a investov\u00e1n\u00ed.&nbsp; Ministerstvo financ\u00ed vl\u00e1d\u011b p\u0159edlo\u017eilo n\u00e1vrh z\u00e1kona, kter\u00fd bude m\u00edt dopad na&nbsp;III.&nbsp;pil\u00ed\u0159 penzijn\u00edho spo\u0159en\u00ed. Za p\u0159\u00edsp\u011bvky do d\u016fchodov\u00e9ho pil\u00ed\u0159e si m\u016f\u017ee pl\u00e1tce ro\u010dn\u011b ode\u010d\u00edst a\u017e 24 tis\u00edc K\u010d. Pokud ov\u0161em dojde ke schv\u00e1len\u00ed novely z\u00e1kona, m\u016f\u017ee to od 1. ledna 2024 b\u00fdt a\u017e 48 tis\u00edc K\u010d. Vl\u00e1da tento n\u00e1vrh schv\u00e1lila 14.&nbsp;\u010dervna&nbsp;2023, m\u016f\u017ee ale doj\u00edt k&nbsp;jeho \u00faprav\u00e1m v&nbsp;r\u00e1mci dal\u0161\u00edho legislativn\u00edho procesu. Do budoucna m\u016f\u017eeme o\u010dek\u00e1vat zp\u0159\u00eds\u0148ov\u00e1n\u00ed podm\u00ednek, ale i zvy\u0161ov\u00e1n\u00ed podpory ze strany st\u00e1tu. Jak funguje nov\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (p\u0159ed rokem 2022 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed)? V\u00fdhody a nev\u00fdhody dopl\u0148kov\u00e9ho spo\u0159en\u00ed na d\u016fchod \u2795slo\u017een\u00e9 \u00faro\u010den\u00ed, st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, \u00faleva na dani, mo\u017enost z\u00edskat p\u0159\u00edsp\u011bvek od zam\u011bstnavatele \u2796n\u00edzk\u00e9 zhodnocen\u00ed (T\u00fdk\u00e1 se konzervativn\u00edch strategi\u00ed. Pro vy\u0161\u0161\u00ed zhodnocen\u00ed bychom m\u011bli zvolit dynamickou strategii), netransparentn\u00ed poplatky, velmi n\u00edzk\u00e1 likvidita (a\u017e des\u00edtky let), vklady bez poji\u0161t\u011bn\u00ed Pozn.: Obr\u00e1zky zn\u00e1zor\u0148uj\u00ed navrhovan\u00e9 zm\u011bny v penzijn\u00ed reform\u011b. Fin\u00e1ln\u00ed podoba m\u016f\u017ee b\u00fdt jin\u00e1. Pokud si chceme za\u010d\u00edt \u0161et\u0159it na d\u016fchod, r\u00e1zem se p\u0159ed n\u00e1mi vyroj\u00ed cel\u00e1 \u0159ada ot\u00e1zek. Odpov\u011bdi na [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":1834,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[67,17,55],"class_list":["post-1830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","tag-duchod","tag-martin-milek","tag-penzijni-sporeni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak si vylep\u0161it spo\u0159en\u00ed na d\u016fchod? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Nejlep\u0161\u00ed spo\u0159en\u00ed na d\u016fchod? Kombinace spo\u0159en\u00ed a investov\u00e1n\u00ed. \u010c\u00edm d\u0159\u00edve za\u010dnete, t\u00edm l\u00e9pe. 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