{"id":2040,"date":"2024-03-20T09:22:22","date_gmt":"2024-03-20T08:22:22","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2040"},"modified":"2024-12-16T11:25:00","modified_gmt":"2024-12-16T10:25:00","slug":"duchodove-sporeni-dip-versus-dps","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/duchodove-sporeni-dip-versus-dps\/","title":{"rendered":"D\u016fchodov\u00e9 spo\u0159en\u00ed: DIP versus DPS"},"content":{"rendered":"\n<p><strong>S nov\u00fdmi produkty za\u010d\u00edn\u00e1 b\u00fdt d\u016fchodov\u00e9 spo\u0159en\u00ed zaj\u00edmav\u011bj\u0161\u00ed. Zat\u00edmco DIP (Dlouhodob\u00fd investi\u010dn\u00ed produkt) nab\u00edz\u00ed investor\u016fm v\u011bt\u0161\u00ed flexibilitu a mo\u017enosti v\u00fdb\u011bru investi\u010dn\u00edch fond\u016f s potenci\u00e1lem vy\u0161\u0161\u00edho v\u00fdnosu, DPS (Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed) se vyzna\u010duje jednodu\u0161\u0161\u00ed, av\u0161ak m\u00e9n\u011b v\u00fdnosnou strategi\u00ed s vy\u0161\u0161\u00edmi poplatky.<\/strong><\/p>\n\n\n\n<p>Zaj\u00edm\u00e1 v\u00e1s, jak si bezpe\u010dn\u011b a efektivn\u011b spo\u0159it na d\u016fchod? Zam\u011b\u0159\u00edme se na dynamick\u00e9 a konzervativn\u00ed strategie spo\u0159en\u00ed. Odhal\u00edme tak\u00e9 nej\u010dast\u011bj\u0161\u00ed chyby ve spo\u0159en\u00ed na d\u016fchod a roz\u0161\u00ed\u0159en\u00e9 m\u00fdty, kter\u00e9 mohou va\u0161e finan\u010dn\u00ed pl\u00e1ny ohrozit. P\u0159ipravte se na budoucnost chyt\u0159e a s p\u0159ehledem.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#h-nejvetsi-rizika-a-benefity-v-duchodovem-sporeni-dip-a-dps\">Nejv\u011bt\u0161\u00ed rizika a benefity v d\u016fchodov\u00e9m spo\u0159en\u00ed: DIP a DPS<\/a><\/li><li class=\"\"><a href=\"#h-dynamicke-strategie\">Dynamick\u00e9 strategie<\/a><\/li><li class=\"\"><a href=\"#h-konzervativni-strategie\">Konzervativn\u00ed strategie<\/a><\/li><li class=\"\"><a href=\"#h-nejvetsi-rizika-a-benefity-jednotlivych-strategii-duchodoveho-sporeni\">Nejv\u011bt\u0161\u00ed rizika a benefity jednotliv\u00fdch strategi\u00ed d\u016fchodov\u00e9ho spo\u0159en\u00ed<\/a><\/li><li class=\"\"><a href=\"#h-nejcastejsi-chyby-ve-sporeni-na-duchod\">Nej\u010dast\u011bj\u0161\u00ed chyby ve spo\u0159en\u00ed na d\u016fchod<\/a><\/li><li class=\"\"><a href=\"#h-v-jakem-veku-nejpozdeji-je-vhodne-na-sporeni-na-duchod-myslet\">V jak\u00e9m v\u011bku nejpozd\u011bji je vhodn\u00e9 na spo\u0159en\u00ed na d\u016fchod myslet?<\/a><\/li><li class=\"\"><a href=\"#h-v-cem-je-rozdil-mezi-zamestnanci-v-ruznych-platovych-skupinach-nebo-treba-osvc\">V \u010dem je rozd\u00edl mezi zam\u011bstnanci v r\u016fzn\u00fdch platov\u00fdch skupin\u00e1ch nebo t\u0159eba OSV\u010c?<\/a><\/li><li class=\"\"><a href=\"#h-jake-jsou-dalsi-moznosti-sporeni-na-penzi\">Jak\u00e9 jsou dal\u0161\u00ed mo\u017enosti spo\u0159en\u00ed na penzi?<\/a><\/li><li class=\"\"><a href=\"#h-ma-smysl-zacit-sporit-uz-detem\">M\u00e1 smysl za\u010d\u00edt spo\u0159it u\u017e d\u011btem?<\/a><\/li><li class=\"\"><a href=\"#h-investicni-zivotni-pojisteni\">Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nejvetsi-rizika-a-benefity-v-duchodovem-sporeni-dip-a-dps\">Nejv\u011bt\u0161\u00ed rizika a benefity v d\u016fchodov\u00e9m spo\u0159en\u00ed: DIP a DPS<\/h2>\n\n\n\n<p>U investic v\u017edy bylo, je a bude nejv\u011bt\u0161\u00edm rizikem o\u010dek\u00e1van\u00e9 zhodnocen\u00ed a v\u00fdkyvy na trz\u00edch v \u010dase. Ale na druhou stranu, pokud jsem ochoten riziko akceptovat, tak nap\u0159. <strong>akcie jsou jedin\u00fdm aktivem, kter\u00e9 za posledn\u00edch v\u00edce ne\u017e 100 let por\u00e1\u017e\u00ed inflaci.<\/strong><\/p>\n\n\n\n<p><strong>U DIP <\/strong>m\u00e1m jako investor oproti DPS velkou v\u00fdhodu v <strong>mo\u017enostech v\u00fdb\u011bru fond\u016f<\/strong> a jejich individu\u00e1ln\u00ed alokaci \u2013 a\u0165 u\u017e jsou to n\u00edzkon\u00e1kladov\u00e1 ETF, nebo dividendov\u00e9 akcie, \u010di akcie tematick\u00e9.<\/p>\n\n\n\n<p><strong>DPS<\/strong> v tuto chv\u00edli plo\u0161n\u011b umo\u017e\u0148uj\u00ed pouze <strong>stroh\u00fd v\u00fdb\u011br ze t\u0159\u00ed z\u00e1kladn\u00edch strategi\u00ed<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-konzervativn\">konzervativn\u00ed,<\/li>\n\n\n\n<li id=\"htoc-vyv-en1\">vyv\u00e1\u017een\u00e9<\/li>\n\n\n\n<li id=\"htoc-a-dynamick1\">a dynamick\u00e9.<\/li>\n<\/ul>\n\n\n\n<p>Nav\u00edc si \u00fa\u010dtuj\u00ed 15% poplatek z v\u00fdnos\u016f, kter\u00e9 penzijn\u00ed spole\u010dnost vygeneruje. Takov\u00fdto v\u00fdkonnostn\u00ed poplatek u investic v\u011bt\u0161inou nenajdete.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-dynamicke-strategie\"><strong>Dynamick\u00e9 strategie<\/strong><\/h2>\n\n\n\n<p>Nejobl\u00edben\u011bj\u0161\u00edm a nejatraktivn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm jsou aktu\u00e1ln\u011b ur\u010dit\u011b n\u00edzkon\u00e1kladov\u00e9 <strong>ETF strategie v kombinaci s dividendov\u00fdmi tituly.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Pokud v\u00e1m zb\u00fdv\u00e1 v\u00edce ne\u017e 15 let pro investov\u00e1n\u00ed nebo spo\u0159en\u00ed, tak obecn\u011b plat\u00ed, \u017ee si m\u016f\u017eete dovolit investovat v\u00edce jak 80 % aktiv \u010dist\u011b do akciov\u00fdch titul\u016f. \u010c\u00edm krat\u0161\u00ed m\u00e1te potom investi\u010dn\u00ed horizont, t\u00edm je d\u016fle\u017eit\u011bj\u0161\u00ed portfolio v\u00edce zkombinovat a \u201ezkonzervativnit\u201c \u2013 nap\u0159. s&nbsp;pomoc\u00ed fond\u016f zam\u011b\u0159en\u00fdch na st\u00e1tn\u00ed dluhopisy \u010di korpor\u00e1tn\u00edmi dluhopisy s investi\u010dn\u00edm ratingem, nemovitostn\u00edmi fondy, pop\u0159. hotovost\u00ed.&nbsp;<\/p>\n\n\n\n<p>Se\u010dteno podtr\u017eeno, pokud mi v\u00e1m do 45 let, nev\u00e1hejte investovat dynamicky, jeliko\u017e <strong>v&nbsp;historii neexistuje \u017e\u00e1dn\u00e9 patn\u00e1ctilet\u00e9 obdob\u00ed, b\u011bhem kter\u00e9ho by investor na&nbsp;akci\u00edch prod\u011blal.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-konzervativni-strategie\"><strong>Konzervativn\u00ed strategie<\/strong><\/h2>\n\n\n\n<p>Konzervativn\u00edm n\u00e1stroj\u016fm by se m\u011bl vyhnout velk\u00fdm obloukem ka\u017ed\u00fd, kdo m\u00e1 st\u0159edn\u011bdob\u00fd \u010di dlouhodob\u00fd investi\u010dn\u00ed horizont \u2013 tedy p\u011bt a v\u00edce let.<\/p>\n\n\n\n<p>M\u016f\u017eete se t\u00edm okr\u00e1st o p\u011bkn\u00e9 v\u00fdnosy a z\u016fstane v\u00e1m jen ten vrabec v hrsti. Tud\u00ed\u017e, konzervativn\u00ed strategie jsou vhodn\u00e9 pro lidi, kte\u0159\u00ed maj\u00ed <strong>maxim\u00e1ln\u011b do p\u011bti let<\/strong> p\u0159ed v\u00fdb\u011brem a ukon\u010den\u00edm spo\u0159en\u00ed, nebo nap\u0159\u00edklad pro klienty, kte\u0159\u00ed \u010derpaj\u00ed rentu.<\/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-09ae261b3edfc96cd56299775167814a\">\ud83d\udc49&nbsp;P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek&nbsp;<strong><a href=\"https:\/\/www.fingo.cz\/blog\/jak-si-vylepsit-sporeni-na-duchod\/\">Jak si vylep\u0161it spo\u0159en\u00ed na d\u016fchod<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nejvetsi-rizika-a-benefity-jednotlivych-strategii-duchodoveho-sporeni\"><strong>Nejv\u011bt\u0161\u00ed rizika a benefity jednotliv\u00fdch strategi\u00ed<\/strong> d\u016fchodov\u00e9ho spo\u0159en\u00ed<\/h2>\n\n\n\n<p>Obecn\u011b plat\u00ed klasick\u00fd investi\u010dn\u00ed troj\u00faheln\u00edk: pokud chcete vy\u0161\u0161\u00ed v\u00fdnos, mus\u00edte akceptovat vy\u0161\u0161\u00ed riziko a t\u0159eba i ni\u017e\u0161\u00ed likviditu investovan\u00fdch prost\u0159edk\u016f. Pokud jste st\u00e1le nap\u0159. ve&nbsp;star\u00e9m penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed (\u201etransformovan\u00e9m fondu\u201c): m\u00e1te sice <strong>garanci nez\u00e1porn\u00e9ho zhodnocen\u00ed <\/strong>od penzijn\u00ed spole\u010dnosti, ale plat\u00edte za to dost drahou da\u0148 ve form\u011b zhodnocen\u00ed pohybuj\u00edc\u00edho se v pr\u016fm\u011bru kolem pouhopouh\u00fdch 0-1 % ro\u010dn\u011b.<\/p>\n\n\n\n<p>M\u00e1te tud\u00ed\u017e absolutn\u00ed jistotu prod\u011blku oproti inflaci a jedn\u00e1 se v del\u0161\u00edm horizontu o ekonomickou sebevra\u017edu. Takov\u00fdch spo\u0159itel\u016f p\u0159itom v&nbsp;\u010cech\u00e1ch je st\u00e1le kolem dvou milion\u016f.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-nejcastejsi-chyby-ve-sporeni-na-duchod\"><strong>Nej\u010dast\u011bj\u0161\u00ed chyby ve spo\u0159en\u00ed na d\u016fchod<\/strong><\/h2>\n\n\n\n<p>Ur\u010dit\u011b ka\u017ed\u00fd, komu je m\u00e9n\u011b ne\u017e 50 let, tak d\u011bl\u00e1 obrovskou chybu, pokud se je\u0161t\u011b <strong>nep\u0159esunul ze star\u00e9ho transformovan\u00e9ho fondu do dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed.<\/strong> DPS&nbsp;nejenom, \u017ee od sv\u00e9ho zalo\u017een\u00ed por\u00e1\u017e\u00ed inflaci, ale tak\u00e9 m\u00e1 nap\u0159. nespornou v\u00fdhodu v&nbsp;tom, \u017ee p\u0159i v\u00fdb\u011bru nedan\u00edm p\u0159\u00edsp\u011bvky zam\u011bstnavatele.<\/p>\n\n\n\n<p>Nejv\u011bt\u0161\u00edm m\u00fdtem aktu\u00e1ln\u00ed doby je, \u017ee si obrovsk\u00e1 spousta lid\u00ed mysl\u00ed, \u017ee byla zru\u0161ena mo\u017enost si <strong>vybrat penzijko v&nbsp;\u0161edes\u00e1ti letech cel\u00e9 najednou<\/strong>; tato mo\u017enost st\u00e1le je, a to jak ve star\u00fdch transformovan\u00fdch fondech, tak v DPS. Od 1. 7. se ale nap\u0159. zru\u0161\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky pro lidi, kte\u0159\u00ed ji\u017e pob\u00edraj\u00ed starobn\u00ed d\u016fchod.&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-a31b1775d3efc5220016713c5fcb7f6b\">\ud83d\udc49&nbsp;<strong>P\u0159e\u010dt\u011bte si tak\u00e9 rozhovor:<\/strong>&nbsp;<a href=\"https:\/\/www.fingo.cz\/blog\/komu-se-zalozeni-dip-nejvice-vyplati\/\">Komu se zalo\u017een\u00ed DIP vyplat\u00ed nejv\u00edce?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-v-jakem-veku-nejpozdeji-je-vhodne-na-sporeni-na-duchod-myslet\"><strong>V jak\u00e9m v\u011bku nejpozd\u011bji je vhodn\u00e9 na spo\u0159en\u00ed na d\u016fchod myslet?<\/strong><\/h2>\n\n\n\n<p>Nejzaz\u0161\u00ed doba pro zalo\u017een\u00ed spo\u0159en\u00ed nebo investov\u00e1n\u00ed na penzi je v 50 letech. Nejlep\u0161\u00ed je ale za\u010d\u00edt od t\u00e9 doby, kdy si m\u016f\u017eete ukl\u00e1dat alespo\u0148 500 K\u010d pro z\u00edsk\u00e1n\u00ed st\u00e1tn\u00ed podpory.<\/p>\n\n\n\n<p>Pokud za\u010dnete brzy, z\u00edsk\u00e1te v \u010dase slo\u017een\u00e9 \u00faro\u010den\u00ed, kter\u00e9 m\u016f\u017ee va\u0161e vklady klidn\u011b a\u017e zp\u011btin\u00e1sobit. Proto v\u016fbec nen\u00ed od v\u011bci zakl\u00e1dat klidn\u011b mal\u00fdm d\u011btem u\u017e penzijka a v&nbsp;osmn\u00e1cti&nbsp;letech maj\u00ed mo\u017enosti si z toho jednu t\u0159etinu prost\u0159edk\u016f bezsank\u010dn\u011b vybrat.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"747\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/blog_fingo_uvodni_obr-4.png\" alt=\"\" class=\"wp-image-2048\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/blog_fingo_uvodni_obr-4.png 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/blog_fingo_uvodni_obr-4-300x224.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/03\/blog_fingo_uvodni_obr-4-768x574.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-v-cem-je-rozdil-mezi-zamestnanci-v-ruznych-platovych-skupinach-nebo-treba-osvc\"><strong>V \u010dem je rozd\u00edl mezi zam\u011bstnanci v r\u016fzn\u00fdch platov\u00fdch skupin\u00e1ch nebo t\u0159eba OSV\u010c?<\/strong><\/h2>\n\n\n\n<p>Nejv\u00edce by si obecn\u011b m\u011bli odkl\u00e1dat OSV\u010c kv\u016fli sv\u00fdm \u010dasto n\u00edzk\u00fdm odvod\u016fm do syst\u00e9mu, a v&nbsp;d\u016fsledku toho n\u00edzko vym\u011b\u0159en\u00e9mu starobn\u00edmu d\u016fchodu. Tak\u017ee zde doporu\u010dujeme v&nbsp;r\u00e1mci finan\u010dn\u00edch mo\u017enost\u00ed vyu\u017e\u00edvat na maximum penzijko \u2013 tedy <strong>1700 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong> \u2013 340&nbsp;K\u010d st\u00e1tn\u00ed podpora, a d\u00e1le <strong>4&nbsp;000 K\u010d\/m\u011bs\u00edc<\/strong> v r\u00e1mci DIP pro maxim\u00e1ln\u00ed da\u0148ovou \u00falevu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jake-jsou-dalsi-moznosti-sporeni-na-penzi\">Jak\u00e9 jsou dal\u0161\u00ed mo\u017enosti spo\u0159en\u00ed na penzi?<\/h2>\n\n\n\n<p>100 % DIP, p\u0159\u00edpadn\u011b v rozumn\u00e9m procentu (max. 10\u201315 %) z hodnoty m\u00e9ho investi\u010dn\u00edho portfolia zlato.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-ma-smysl-zacit-sporit-uz-detem\"><strong>M\u00e1 smysl za\u010d\u00edt spo\u0159it u\u017e d\u011btem?<\/strong><\/h2>\n\n\n\n<p>D\u011btem je t\u0159eba za\u010d\u00edt odkl\u00e1dat n\u011bjakou \u010d\u00e1stku, aby byla rezerva pro financov\u00e1n\u00ed nap\u0159. soukrom\u00e9 \u0161koly, zahrani\u010dn\u00edho studia, nebo pomoci s koup\u00ed prvn\u00edho bydlen\u00ed. Pro tyto \u00fa\u010dely doporu\u010dujeme ur\u010dit\u011b \u0159e\u0161en\u00ed skrze n<strong>\u00edzkon\u00e1kladov\u00e9 ETF strategie<\/strong>, a za\u010d\u00edt rovnou i s&nbsp;penzijkem na 500 K\u010d\/m\u011bs\u00edc. Zbytek do investic.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-investicni-zivotni-pojisteni\"><strong>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p><strong>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed rozhodn\u011b na spo\u0159en\u00ed na penzi nedoporu\u010dujeme<\/strong>. Je to jeden z nejhor\u0161\u00edch produkt\u016f na investov\u00e1n\u00ed\/spo\u0159en\u00ed po kter\u00e9m m\u016f\u017eete s\u00e1hnout. Se svou vysokou n\u00e1kladovost\u00ed, n\u00edzkou transparentnost\u00ed a mal\u00fdmi mo\u017enostmi alokace aktiv se jedn\u00e1 o v\u016fbec nejhor\u0161\u00ed produkt, kter\u00fd m\u016f\u017eete sv\u00e9mu d\u00edtku zalo\u017eit.<\/p>\n\n\n\n<p>Pokud \u0159e\u0161\u00edte zabezpe\u010den\u00ed na penzi, r\u00e1di v\u00e1m&nbsp;<strong>pom\u016f\u017eeme se spr\u00e1vn\u00fdm nastaven\u00edm produkt\u016f<\/strong>. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Nechte n\u00e1m na sebe kontakt<\/a>&nbsp;a na\u0161i poradci se v\u00e1m co nejd\u0159\u00edve ozvou.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010cl\u00e1nek se v\u011bnuje porovn\u00e1n\u00ed dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed a investi\u010dn\u00edho poji\u0161t\u011bn\u00ed, zd\u016fraz\u0148uj\u00edc\u00ed rizika, v\u00fdhody a strategie pro efektivn\u00ed spo\u0159en\u00ed na d\u016fchod.<\/p>\n","protected":false},"author":23,"featured_media":2046,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4],"tags":[100,125,132,37,133],"class_list":["post-2040","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","category-osobni-finance","tag-adam-kaska","tag-dip","tag-dps","tag-investovani","tag-zabezpeceni-na-penzi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>D\u016fchodov\u00e9 spo\u0159en\u00ed: DIP versus DPS - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Jak\u00e9 jsou kl\u00ed\u010dov\u00e9 aspekty d\u016fchodov\u00e9ho spo\u0159en\u00ed? 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