{"id":2346,"date":"2024-09-24T12:01:43","date_gmt":"2024-09-24T11:01:43","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2346"},"modified":"2024-09-24T12:05:09","modified_gmt":"2024-09-24T11:05:09","slug":"duchodova-reforma","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/","title":{"rendered":"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?"},"content":{"rendered":"\n<p><strong>V sou\u010dasnosti jsou \u010de\u0161t\u00ed d\u016fchodci v pom\u011bru k hrub\u00e9 mzd\u011b nejbohat\u0161\u00ed, co kdy byli. Av\u0161ak demografick\u00fd v\u00fdvoj a stav ve\u0159ejn\u00fdch financ\u00ed sm\u011b\u0159uj\u00ed k tomu, \u017ee se budouc\u00ed generace na d\u016fchod budou muset p\u0159ipravit samy.<\/strong><\/p>\n\n\n\n<p><\/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=\"#htoc-st-rnut-populace-ohro-uje-d-chodov-syst-m\">St\u00e1rnut\u00ed populace ohro\u017euje d\u016fchodov\u00fd syst\u00e9m<\/a><\/li><li class=\"\"><a href=\"#htoc-pro-jsou-dne-n-d-chodci-nejbohat-v-historii\">Pro\u010d jsou dne\u0161n\u00ed d\u016fchodci nejbohat\u0161\u00ed v historii?<\/a><\/li><li class=\"\"><a href=\"#htoc-p-ipravte-se-na-budoucnost-d-chod-bude-na-v-s\">P\u0159ipravte se na budoucnost: d\u016fchod bude na v\u00e1s<\/a><\/li><li class=\"\"><a href=\"#htoc-co-p-in-nov-pravidla-v-oblasti-spo-en-na-d-chod\">Co p\u0159in\u00e1\u0161\u00ed nov\u00e1 pravidla v oblasti spo\u0159en\u00ed na d\u016fchod?<\/a><\/li><li class=\"\"><a href=\"#htoc-budoucnost-pat-t-m-kdo-pl-nuj-dop-edu\">Budoucnost pat\u0159\u00ed t\u011bm, kdo pl\u00e1nuj\u00ed dop\u0159edu<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-st-rnut-populace-ohro-uje-d-chodov-syst-m\">St\u00e1rnut\u00ed populace ohro\u017euje d\u016fchodov\u00fd syst\u00e9m<\/h2>\n\n\n\n<p><strong>D\u016fchodov\u00fd syst\u00e9m<\/strong> v \u010cesk\u00e9 republice \u010del\u00ed v\u00e1\u017en\u00fdm v\u00fdzv\u00e1m. Po\u010det ekonomicky aktivn\u00edch obyvatel na jednoho d\u016fchodce neust\u00e1le kles\u00e1. Dnes p\u0159ipad\u00e1 <strong>na jednoho d\u016fchodce 3,5 pracuj\u00edc\u00edch<\/strong>, ale za 30 let to budou <strong>pouze dva<\/strong>. Tento trend spolu s prodlu\u017euj\u00edc\u00ed se d\u00e9lkou \u017eivota znamen\u00e1, \u017ee na financov\u00e1n\u00ed d\u016fchod\u016f nebude sta\u010dit sou\u010dasn\u00fd model. Pr\u016fm\u011brn\u00fd d\u016fchodce dnes tr\u00e1v\u00ed v penzi <strong>24 let<\/strong>, co\u017e je o 9 let v\u00edce ne\u017e p\u0159ed p\u016flstolet\u00edm.<\/p>\n\n\n\n<p>St\u00e1t u\u017e nyn\u00ed \u010del\u00ed obrovsk\u00fdm n\u00e1klad\u016fm \u2013 ro\u010dn\u00ed v\u00fddaje na d\u016fchody \u010din\u00ed t\u00e9m\u011b\u0159 <strong>600 miliard korun<\/strong>, z \u010deho\u017e si mus\u00ed p\u016fj\u010dovat 75 miliard. Pokud se nezm\u011bn\u00ed sou\u010dasn\u00fd syst\u00e9m, st\u00e1tn\u00ed dluh na d\u016fchody by mohl dos\u00e1hnout <strong>a\u017e 5 % HDP<\/strong>. Je jasn\u00e9, \u017ee zm\u011bna n\u00e1s nemine.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\ude80<strong> Zaj\u00edm\u00e1 v\u00e1s, jestli je pro v\u00e1s vhodn\u011bj\u0161\u00ed DIP nebo DPS a jak\u00e9 jsou mezi nimi rozd\u00edly?<\/strong> P\u0159e\u010dt\u011bte si n\u00e1\u0161 <a href=\"https:\/\/www.fingo.cz\/blog\/duchodove-sporeni-2024-dip-versus-dps\/\">\u010dl\u00e1nek na toto t\u00e9ma<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pro-jsou-dne-n-d-chodci-nejbohat-v-historii\">Pro\u010d jsou dne\u0161n\u00ed d\u016fchodci nejbohat\u0161\u00ed v historii?<\/h2>\n\n\n\n<p>A\u010dkoli sou\u010dasn\u00fd syst\u00e9m d\u016fchod\u016f je na hran\u011b udr\u017eitelnosti, dne\u0161n\u00ed d\u016fchodci jsou ve vztahu k pr\u016fm\u011brn\u00e9 hrub\u00e9 mzd\u011b relativn\u011b bohat\u00ed. <strong>Pr\u016fm\u011brn\u00fd d\u016fchod tvo\u0159\u00ed a\u017e 55 % hrub\u00e9 mzdy<\/strong>, a to je historicky nejvy\u0161\u0161\u00ed pom\u011br. Jen\u017ee tento trend stagnuje a re\u00e1ln\u00e1 hodnota d\u016fchod\u016f se v p\u0159\u00ed\u0161t\u00edch dek\u00e1d\u00e1ch sn\u00ed\u017e\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-ipravte-se-na-budoucnost-d-chod-bude-na-v-s\">P\u0159ipravte se na budoucnost: d\u016fchod bude na v\u00e1s<\/h2>\n\n\n\n<p>Budouc\u00ed generace mus\u00ed p\u0159evz\u00edt v\u011bt\u0161\u00ed zodpov\u011bdnost za sv\u00e9 d\u016fchodov\u00e9 zabezpe\u010den\u00ed. D\u016fchodov\u00e1 reforma, kter\u00e1 vstoupila v platnost, p\u0159in\u00e1\u0161\u00ed n\u011bkolik zm\u011bn, ale ne\u0159e\u0161\u00ed z\u00e1kladn\u00ed probl\u00e9m: <strong>nezbytnost osobn\u00edho spo\u0159en\u00ed a investov\u00e1n\u00ed na d\u016fchod.<\/strong><br><\/p>\n\n\n\n<p><strong>Mezi hlavn\u00ed kroky, kter\u00e9 by m\u011bl ka\u017ed\u00fd ud\u011blat, pat\u0159\u00ed:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Za\u010dn\u011bte spo\u0159it co nejd\u0159\u00edve:<\/strong> \u010d\u00edm d\u0159\u00edve za\u010dnete, t\u00edm v\u00edce \u010dasu bude m\u00edt va\u0161e investice r\u016fst d\u00edky slo\u017een\u00e9mu \u00faro\u010den\u00ed.<\/li>\n\n\n\n<li><strong>Diversifikujte sv\u00e9 investice:<\/strong> nespol\u00e9hejte se pouze na jeden typ produktu, rozlo\u017een\u00ed mezi r\u016fzn\u00e9 druhy investic sn\u00ed\u017e\u00ed riziko.<\/li>\n\n\n\n<li><strong>Vyu\u017eijte st\u00e1tn\u00ed podporu:<\/strong> produkty jako dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (DPS) a dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) nab\u00edzej\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky a da\u0148ov\u00e9 v\u00fdhody.<\/li>\n\n\n\n<li><strong>Rebalancujte sv\u00e9 portfolio:<\/strong> sledujte pravideln\u011b sv\u00e9 investice a upravujte je podle toho, jak se m\u011bn\u00ed trh \u010di va\u0161\u00ed \u017eivotn\u00ed situace.<\/li>\n\n\n\n<li><strong>Sledujte inflaci:<\/strong> va\u0161e investice by m\u011bly p\u0159ekonat inflaci, jinak poklesne re\u00e1ln\u00e1 hodnota va\u0161ich \u00faspor.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"864\" height=\"576\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/fingo_88276_A_wide_shot_of_a_person_with_a_backpack_walking_up__f6cd3a10-0ab5-43b2-a8dc-6afc3cdb89f2.png\" alt=\"P\u0159ipravte se na budoucnost: d\u016fchod bude na v\u00e1s\" class=\"wp-image-2347\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/fingo_88276_A_wide_shot_of_a_person_with_a_backpack_walking_up__f6cd3a10-0ab5-43b2-a8dc-6afc3cdb89f2.png 864w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/fingo_88276_A_wide_shot_of_a_person_with_a_backpack_walking_up__f6cd3a10-0ab5-43b2-a8dc-6afc3cdb89f2-300x200.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/fingo_88276_A_wide_shot_of_a_person_with_a_backpack_walking_up__f6cd3a10-0ab5-43b2-a8dc-6afc3cdb89f2-768x512.png 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/fingo_88276_A_wide_shot_of_a_person_with_a_backpack_walking_up__f6cd3a10-0ab5-43b2-a8dc-6afc3cdb89f2-510x340.png 510w\" sizes=\"(max-width: 864px) 100vw, 864px\" \/><\/figure>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">\ud83d\udca1 <strong>Jak si vylep\u0161it spo\u0159en\u00ed na d\u016fchod?<\/strong> P\u0159e\u010dt\u011bte si n\u00e1\u0161 <a href=\"https:\/\/www.fingo.cz\/blog\/jak-si-vylepsit-sporeni-na-duchod\/\">\u010dl\u00e1nek<\/a> o st\u00e1tn\u00edch p\u0159\u00edsp\u011bvc\u00edch a da\u0148ov\u00e9 \u00faspo\u0159e pro spo\u0159en\u00ed na penzi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-p-in-nov-pravidla-v-oblasti-spo-en-na-d-chod\"><strong>Co p\u0159in\u00e1\u0161\u00ed nov\u00e1 pravidla v oblasti spo\u0159en\u00ed na d\u016fchod?<\/strong><\/h2>\n\n\n\n<p><strong>Od 1. \u010dervence 2024<\/strong> do\u0161lo k z\u00e1sadn\u00edm zm\u011bn\u00e1m v dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed. <strong>Maxim\u00e1ln\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek s<\/strong>e<strong> nav\u00fd\u0161il na 340 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>, ale s podm\u00ednkou spo\u0159it minim\u00e1ln\u011b 1 700 K\u010d m\u011bs\u00ed\u010dn\u011b. Naopak, <strong>st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek s<\/strong>e<strong> zru\u0161il pro d\u016fchodce<\/strong>, kte\u0159\u00ed u\u017e pob\u00edraj\u00ed starobn\u00ed d\u016fchod. To znamen\u00e1, \u017ee starobn\u00ed d\u016fchodci si mohou nad\u00e1le spo\u0159it, ale bez podpory st\u00e1tu.<\/p>\n\n\n\n<p><strong>Dlouhodob\u00fd investi\u010dn\u00ed produkt <\/strong>(DIP) se st\u00e1v\u00e1 st\u00e1le obl\u00edben\u011bj\u0161\u00edm. U\u017e v\u00edce ne\u017e 50 000 \u010cech\u016f m\u00e1 tento produkt sjednan\u00fd. D\u00edky da\u0148ov\u00fdm \u00falev\u00e1m a p\u0159\u00edsp\u011bvk\u016fm zam\u011bstnavatel\u016f se jedn\u00e1 o atraktivn\u00ed zp\u016fsob spo\u0159en\u00ed na penzi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-budoucnost-pat-t-m-kdo-pl-nuj-dop-edu\">Budoucnost pat\u0159\u00ed t\u011bm, kdo pl\u00e1nuj\u00ed dop\u0159edu<\/h2>\n\n\n\n<p>Sou\u010dasn\u00e1 generace d\u016fchodc\u016f se m\u016f\u017ee t\u011b\u0161it na relativn\u011b vysok\u00e9 d\u016fchody, ale budoucnost u\u017e tak r\u016f\u017eov\u00e1 nebude. Ti, kte\u0159\u00ed za\u010dnou s <a href=\"https:\/\/www.fingo.cz\/investice\">vlastn\u00edmi investicemi <\/a>a spo\u0159en\u00edm co nejd\u0159\u00edve, budou v d\u016fchodu finan\u010dn\u011b nez\u00e1visl\u00ed. Jsme tu pro v\u00e1s. Vytvo\u0159\u00edme zdarma <a href=\"https:\/\/www.fingo.cz\/kontakty\">finan\u010dn\u00ed pl\u00e1n<\/a>, kter\u00fd zajist\u00ed pohodlnou penzi i v dob\u011b, kdy st\u00e1tn\u00ed d\u016fchody budou ni\u017e\u0161\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V sou\u010dasnosti jsou \u010de\u0161t\u00ed d\u016fchodci v pom\u011bru k hrub\u00e9 mzd\u011b nejbohat\u0161\u00ed, co kdy byli. Av\u0161ak demografick\u00fd v\u00fdvoj a stav ve\u0159ejn\u00fdch financ\u00ed sm\u011b\u0159uj\u00ed k tomu, \u017ee se budouc\u00ed generace na d\u016fchod budou muset p\u0159ipravit samy. St\u00e1rnut\u00ed populace ohro\u017euje d\u016fchodov\u00fd syst\u00e9m D\u016fchodov\u00fd syst\u00e9m v \u010cesk\u00e9 republice \u010del\u00ed v\u00e1\u017en\u00fdm v\u00fdzv\u00e1m. Po\u010det ekonomicky aktivn\u00edch obyvatel na jednoho d\u016fchodce neust\u00e1le kles\u00e1. Dnes p\u0159ipad\u00e1 na jednoho d\u016fchodce 3,5 pracuj\u00edc\u00edch, ale za 30 let to budou pouze dva. Tento trend spolu s prodlu\u017euj\u00edc\u00ed se d\u00e9lkou \u017eivota znamen\u00e1, \u017ee na financov\u00e1n\u00ed d\u016fchod\u016f nebude sta\u010dit sou\u010dasn\u00fd model. Pr\u016fm\u011brn\u00fd d\u016fchodce dnes tr\u00e1v\u00ed v penzi 24 let, co\u017e je o 9 let v\u00edce ne\u017e p\u0159ed p\u016flstolet\u00edm. St\u00e1t u\u017e nyn\u00ed \u010del\u00ed obrovsk\u00fdm n\u00e1klad\u016fm \u2013 ro\u010dn\u00ed v\u00fddaje na d\u016fchody \u010din\u00ed t\u00e9m\u011b\u0159 600 miliard korun, z \u010deho\u017e si mus\u00ed p\u016fj\u010dovat 75 miliard. Pokud se nezm\u011bn\u00ed sou\u010dasn\u00fd syst\u00e9m, st\u00e1tn\u00ed dluh na d\u016fchody by mohl dos\u00e1hnout a\u017e 5 % HDP. Je jasn\u00e9, \u017ee zm\u011bna n\u00e1s nemine. \ud83d\ude80 Zaj\u00edm\u00e1 v\u00e1s, jestli je pro v\u00e1s vhodn\u011bj\u0161\u00ed DIP nebo DPS a jak\u00e9 jsou mezi nimi rozd\u00edly? P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek na toto t\u00e9ma. Pro\u010d jsou dne\u0161n\u00ed d\u016fchodci nejbohat\u0161\u00ed v historii? A\u010dkoli sou\u010dasn\u00fd syst\u00e9m d\u016fchod\u016f je na hran\u011b udr\u017eitelnosti, dne\u0161n\u00ed d\u016fchodci jsou ve vztahu k pr\u016fm\u011brn\u00e9 hrub\u00e9 mzd\u011b relativn\u011b bohat\u00ed. [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":2349,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[125,132,149,150],"class_list":["post-2346","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","tag-dip","tag-dps","tag-jiri-fajt","tag-sporeni-na-penzi"],"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>D\u016fchod: pro\u010d budou muset dal\u0161\u00ed generace spo\u0159it samy? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"D\u016fchodov\u00e1 reforma p\u0159inese zm\u011bny, kter\u00e9 budou vy\u017eadovat osobn\u00ed spo\u0159en\u00ed. Jak se na d\u016fchod spr\u00e1vn\u011b p\u0159ipravit a vyu\u017e\u00edt st\u00e1tn\u00ed podpory?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?\" \/>\n<meta property=\"og:description\" content=\"D\u016fchodov\u00e1 reforma p\u0159inese zm\u011bny, kter\u00e9 budou vy\u017eadovat osobn\u00ed spo\u0159en\u00ed. Jak se na d\u016fchod spr\u00e1vn\u011b p\u0159ipravit a vyu\u017e\u00edt st\u00e1tn\u00ed podpory?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog FinGO.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fingo.cz\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-24T11:01:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-24T11:05:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/bohati_duchodci.png\" \/>\n\t<meta property=\"og:image:width\" content=\"864\" \/>\n\t<meta property=\"og:image:height\" content=\"576\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ji\u0159\u00ed Fajt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fingocz\" \/>\n<meta name=\"twitter:site\" content=\"@fingocz\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ji\u0159\u00ed Fajt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/\"},\"author\":{\"name\":\"Ji\u0159\u00ed Fajt\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/c8960f9293983cd11b693bb8b179599c\"},\"headline\":\"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?\",\"datePublished\":\"2024-09-24T11:01:43+00:00\",\"dateModified\":\"2024-09-24T11:05:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/\"},\"wordCount\":828,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/bohati_duchodci.png\",\"keywords\":[\"dip\",\"DPS\",\"Ji\u0159\u00ed Fajt\",\"spo\u0159en\u00ed na penzi\"],\"articleSection\":[\"Investice\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/\",\"name\":\"D\u016fchod: pro\u010d budou muset dal\u0161\u00ed generace spo\u0159it samy? - Blog FinGO.cz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/bohati_duchodci.png\",\"datePublished\":\"2024-09-24T11:01:43+00:00\",\"dateModified\":\"2024-09-24T11:05:09+00:00\",\"description\":\"D\u016fchodov\u00e1 reforma p\u0159inese zm\u011bny, kter\u00e9 budou vy\u017eadovat osobn\u00ed spo\u0159en\u00ed. Jak se na d\u016fchod spr\u00e1vn\u011b p\u0159ipravit a vyu\u017e\u00edt st\u00e1tn\u00ed podpory?\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/bohati_duchodci.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/bohati_duchodci.png\",\"width\":864,\"height\":576,\"caption\":\"Za\u010dn\u011bte pl\u00e1novat co nejd\u0159\u00edve\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/duchodova-reforma\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\",\"name\":\"Blog FinGO.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#organization\",\"name\":\"Fingo.cz\",\"alternateName\":\"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/logo.png\",\"width\":300,\"height\":118,\"caption\":\"Fingo.cz\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/fingo.cz\\\/\",\"https:\\\/\\\/x.com\\\/fingocz\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCGwO0jxau7AaMq0gKUcCh7A\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/fingo-cz\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/#\\\/schema\\\/person\\\/c8960f9293983cd11b693bb8b179599c\",\"name\":\"Ji\u0159\u00ed Fajt\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/cropped-Snimek-obrazovky-2024-08-22-v-10.55.11-96x96.png\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/cropped-Snimek-obrazovky-2024-08-22-v-10.55.11-96x96.png\",\"contentUrl\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/cropped-Snimek-obrazovky-2024-08-22-v-10.55.11-96x96.png\",\"caption\":\"Ji\u0159\u00ed Fajt\"},\"description\":\"Ji\u0159\u00ed je Seniorn\u00ed investi\u010dn\u00ed specialista ve spole\u010dnosti FinGO.cz. Jeho \u00fakolem je vzd\u011bl\u00e1v\u00e1n\u00ed a podpora odborn\u00fdch poradc\u016f. Rozv\u00edj\u00ed nov\u00e9 postupy v investov\u00e1n\u00ed, kter\u00e9 posouvaj\u00ed tradi\u010dn\u00ed investi\u010dn\u00ed modely.\",\"url\":\"https:\\\/\\\/www.fingo.cz\\\/blog\\\/author\\\/jiri-fajt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"D\u016fchod: pro\u010d budou muset dal\u0161\u00ed generace spo\u0159it samy? - Blog FinGO.cz","description":"D\u016fchodov\u00e1 reforma p\u0159inese zm\u011bny, kter\u00e9 budou vy\u017eadovat osobn\u00ed spo\u0159en\u00ed. Jak se na d\u016fchod spr\u00e1vn\u011b p\u0159ipravit a vyu\u017e\u00edt st\u00e1tn\u00ed podpory?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/","og_locale":"cs_CZ","og_type":"article","og_title":"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?","og_description":"D\u016fchodov\u00e1 reforma p\u0159inese zm\u011bny, kter\u00e9 budou vy\u017eadovat osobn\u00ed spo\u0159en\u00ed. Jak se na d\u016fchod spr\u00e1vn\u011b p\u0159ipravit a vyu\u017e\u00edt st\u00e1tn\u00ed podpory?","og_url":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/","og_site_name":"Blog FinGO.cz","article_publisher":"https:\/\/www.facebook.com\/fingo.cz\/","article_published_time":"2024-09-24T11:01:43+00:00","article_modified_time":"2024-09-24T11:05:09+00:00","og_image":[{"width":864,"height":576,"url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/bohati_duchodci.png","type":"image\/png"}],"author":"Ji\u0159\u00ed Fajt","twitter_card":"summary_large_image","twitter_creator":"@fingocz","twitter_site":"@fingocz","twitter_misc":{"Napsal(a)":"Ji\u0159\u00ed Fajt","Odhadovan\u00e1 doba \u010dten\u00ed":"4 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#article","isPartOf":{"@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/"},"author":{"name":"Ji\u0159\u00ed Fajt","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/c8960f9293983cd11b693bb8b179599c"},"headline":"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?","datePublished":"2024-09-24T11:01:43+00:00","dateModified":"2024-09-24T11:05:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/"},"wordCount":828,"publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/bohati_duchodci.png","keywords":["dip","DPS","Ji\u0159\u00ed Fajt","spo\u0159en\u00ed na penzi"],"articleSection":["Investice"],"inLanguage":"cs"},{"@type":"WebPage","@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/","url":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/","name":"D\u016fchod: pro\u010d budou muset dal\u0161\u00ed generace spo\u0159it samy? - Blog FinGO.cz","isPartOf":{"@id":"https:\/\/www.fingo.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#primaryimage"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/bohati_duchodci.png","datePublished":"2024-09-24T11:01:43+00:00","dateModified":"2024-09-24T11:05:09+00:00","description":"D\u016fchodov\u00e1 reforma p\u0159inese zm\u011bny, kter\u00e9 budou vy\u017eadovat osobn\u00ed spo\u0159en\u00ed. Jak se na d\u016fchod spr\u00e1vn\u011b p\u0159ipravit a vyu\u017e\u00edt st\u00e1tn\u00ed podpory?","breadcrumb":{"@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#primaryimage","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/bohati_duchodci.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/09\/bohati_duchodci.png","width":864,"height":576,"caption":"Za\u010dn\u011bte pl\u00e1novat co nejd\u0159\u00edve"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.fingo.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"D\u016fchod a reforma: pro\u010d budou dal\u0161\u00ed generace muset spo\u0159it samy?"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.cz\/blog\/#website","url":"https:\/\/www.fingo.cz\/blog\/","name":"Blog FinGO.cz","description":"","publisher":{"@id":"https:\/\/www.fingo.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.fingo.cz\/blog\/#organization","name":"Fingo.cz","alternateName":"Nez\u00e1visl\u00e9 finan\u010dn\u00ed slu\u017eby - Fingo.cz","url":"https:\/\/www.fingo.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/06\/logo.png","width":300,"height":118,"caption":"Fingo.cz"},"image":{"@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fingo.cz\/","https:\/\/x.com\/fingocz","https:\/\/www.youtube.com\/channel\/UCGwO0jxau7AaMq0gKUcCh7A","https:\/\/www.linkedin.com\/company\/fingo-cz\/"]},{"@type":"Person","@id":"https:\/\/www.fingo.cz\/blog\/#\/schema\/person\/c8960f9293983cd11b693bb8b179599c","name":"Ji\u0159\u00ed Fajt","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/cropped-Snimek-obrazovky-2024-08-22-v-10.55.11-96x96.png","url":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/cropped-Snimek-obrazovky-2024-08-22-v-10.55.11-96x96.png","contentUrl":"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/08\/cropped-Snimek-obrazovky-2024-08-22-v-10.55.11-96x96.png","caption":"Ji\u0159\u00ed Fajt"},"description":"Ji\u0159\u00ed je Seniorn\u00ed investi\u010dn\u00ed specialista ve spole\u010dnosti FinGO.cz. Jeho \u00fakolem je vzd\u011bl\u00e1v\u00e1n\u00ed a podpora odborn\u00fdch poradc\u016f. Rozv\u00edj\u00ed nov\u00e9 postupy v investov\u00e1n\u00ed, kter\u00e9 posouvaj\u00ed tradi\u010dn\u00ed investi\u010dn\u00ed modely.","url":"https:\/\/www.fingo.cz\/blog\/author\/jiri-fajt\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2346","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2346"}],"version-history":[{"count":4,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2346\/revisions"}],"predecessor-version":[{"id":2352,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/posts\/2346\/revisions\/2352"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media\/2349"}],"wp:attachment":[{"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2346"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2346"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2346"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}