{"id":2924,"date":"2026-05-19T14:00:07","date_gmt":"2026-05-19T13:00:07","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2924"},"modified":"2026-05-19T14:00:09","modified_gmt":"2026-05-19T13:00:09","slug":"duchod-bez-spolehani-na-stat-jak-si-cesi-jisti-stari-chytrou-kombinaci","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/duchod-bez-spolehani-na-stat-jak-si-cesi-jisti-stari-chytrou-kombinaci\/","title":{"rendered":"D\u016fchod bez spol\u00e9h\u00e1n\u00ed na st\u00e1t: Jak si \u010ce\u0161i jist\u00ed st\u00e1\u0159\u00ed chytrou kombinac\u00ed?"},"content":{"rendered":"\n<p><strong>Spol\u00e9hat se pouze na st\u00e1tn\u00ed d\u016fchod u\u017e p\u0159est\u00e1v\u00e1 b\u00fdt realistick\u00e9.<\/strong> Demografick\u00fd v\u00fdvoj a nejistota ohledn\u011b v\u00fd\u0161e penz\u00ed nut\u00ed \u010cechy k akci \u2013 <strong>nespol\u00e9hat na st\u00e1t, ale vz\u00edt finance do vlastn\u00edch rukou.<\/strong>&nbsp;<\/p>\n\n\n\n<p>St\u00e1le \u010dast\u011bji tak kombinuj\u00ed r\u016fzn\u00e9 formy <strong>soukrom\u00e9ho spo\u0159en\u00ed a <\/strong><a href=\"https:\/\/www.fingo.cz\/investice\"><strong>investic<\/strong><\/a><strong>.<\/strong> Mezi hlavn\u00ed pil\u00ed\u0159e t\u00e9to nov\u00e9 strategie pat\u0159\u00ed dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed a nov\u011bj\u0161\u00ed dlouhodob\u00fd investi\u010dn\u00ed produkt.<\/p>\n\n\n\n<div style=\"height:37px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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\">Obsah<\/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-zvy-uje-tlak-na-d-chodov-syst-m\">St\u00e1rnut\u00ed populace zvy\u0161uje tlak na d\u016fchodov\u00fd syst\u00e9m<\/a><\/li><li class=\"\"><a href=\"#htoc-dopl-kov-penzijn-spo-en-jako-z-klad-rezervy\">Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed jako z\u00e1klad rezervy<\/a><\/li><li class=\"\"><a href=\"#htoc-p-ed-asn-d-chod-znamen-trval-sn-en-penze\">P\u0159ed\u010dasn\u00fd d\u016fchod znamen\u00e1 trval\u00e9 sn\u00ed\u017een\u00ed penze<\/a><\/li><li class=\"\"><a href=\"#htoc-dip-flexibilita-a-vy-potenci-l\">DIP: Flexibilita a vy\u0161\u0161\u00ed potenci\u00e1l<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-spr-vn-na-asov-n-odchodu-do-penze\">Spr\u00e1vn\u00e9 na\u010dasov\u00e1n\u00ed odchodu do penze<\/a><\/li><li class=\"\"><a href=\"#htoc-role-odborn-ho-poradenstv\">Role odborn\u00e9ho poradenstv\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-asto-kladen-ot-zky-faq\">\u010casto kladen\u00e9 ot\u00e1zky (FAQ)<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-st-rnut-populace-zvy-uje-tlak-na-d-chodov-syst-m\"><strong>St\u00e1rnut\u00ed populace zvy\u0161uje tlak na d\u016fchodov\u00fd syst\u00e9m<\/strong><\/h3>\n\n\n\n<p>Demografick\u00fd v\u00fdvoj v \u010cesku vytv\u00e1\u0159\u00ed na pr\u016fb\u011b\u017en\u00fd syst\u00e9m st\u00e1le citeln\u011bj\u0161\u00ed tlak. \u017dijeme d\u00e9le, rod\u00ed se m\u00e9n\u011b d\u011bt\u00ed a v\u00fdsledek je ne\u00faprosn\u00fd: na jednoho seniora bude v budoucnu vyd\u011bl\u00e1vat mnohem m\u00e9n\u011b lid\u00ed ne\u017e dnes.&nbsp;<\/p>\n\n\n\n<p>Pr\u00e1v\u011b tato <strong>nejistota ohledn\u011b v\u00fd\u0161e st\u00e1tn\u00ed penze<\/strong> motivuje \u010desk\u00e9 dom\u00e1cnosti, aby si <strong>budouc\u00ed p\u0159\u00edjem zajistily z vlastn\u00edch zdroj\u016f<\/strong>. <strong>Vlastn\u00ed finance pod kontrolou<\/strong> jsou toti\u017e tou nejlep\u0161\u00ed pojistkou proti demografick\u00fdm zm\u011bn\u00e1m.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-dopl-kov-penzijn-spo-en-jako-z-klad-rezervy\"><strong>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed jako z\u00e1klad rezervy<\/strong><\/h2>\n\n\n\n<p>Nejobl\u00edben\u011bj\u0161\u00edm n\u00e1strojem pro soukrom\u00e9 spo\u0159en\u00ed na st\u00e1\u0159\u00ed z\u016fst\u00e1v\u00e1 <strong>dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (DPS)<\/strong>, kter\u00e9 na konci roku 2025 vyu\u017e\u00edvaly p\u0159es dva miliony lid\u00ed. <strong>Nab\u00edz\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek<\/strong> a\u017e 340 korun m\u011bs\u00ed\u010dn\u011b a <strong>da\u0148ovou \u00fasporu a\u017e 7 200 korun za rok.<\/strong><\/p>\n\n\n\n<p>Kl\u00ed\u010dov\u00fdm benefitem je mo\u017enost \u010derpat takzvan\u00fd <strong>p\u0159edd\u016fchod.<\/strong> Ten v\u00e1m dovol\u00ed skon\u010dit v pr\u00e1ci a\u017e o p\u011bt let d\u0159\u00edve, ani\u017e by se v\u00e1m trvale sn\u00ed\u017eila st\u00e1tn\u00ed penze. <strong>P\u0159edd\u016fchod sice financujete z vlastn\u00edch \u00faspor, ale zdravotn\u00ed poji\u0161t\u011bn\u00ed za v\u00e1s b\u011bhem t\u00e9 doby d\u00e1l plat\u00ed st\u00e1t.<\/strong><\/p>\n\n\n\n<p>V\u00fdhodou DPS je tak\u00e9 mo\u017enost <strong>zapojen\u00ed zam\u011bstnavatele<\/strong>. Ten v\u00e1m m\u016f\u017ee na penzi <strong>p\u0159isp\u00edvat a\u017e 50 000 korun ro\u010dn\u011b.<\/strong> Velk\u00fdm plusem je, \u017ee se z tohoto p\u0159\u00edsp\u011bvku neodv\u00e1d\u00ed soci\u00e1ln\u00ed ani zdravotn\u00ed poji\u0161t\u011bn\u00ed, co\u017e je v\u00fdhodn\u00e9 pro ob\u011b strany.<\/p>\n\n\n\n<p>\u26a0\ufe0f Od leto\u0161n\u00edho roku by si m\u011bli lid\u00e9 v <strong>dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed (DPS)<\/strong> pohl\u00eddat, zda nepracuj\u00ed v <strong>rizikov\u00e9 profesi<\/strong>. Od 1. ledna 2026 toti\u017e u vybran\u00fdch profes\u00ed ve t\u0159et\u00ed kategorii plat\u00ed novinka: <strong>zam\u011bstnavatel\u00e9 jim mus\u00ed na spo\u0159en\u00ed povinn\u011b p\u0159isp\u00edvat.<\/strong><\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><em>\u201ePovinn\u00fd p\u0159\u00edsp\u011bvek \u010din\u00ed \u010dty\u0159i procenta z vym\u011b\u0159ovac\u00edho z\u00e1kladu na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed a zam\u011bstnanec o n\u011bj mus\u00ed zam\u011bstnavatele po\u017e\u00e1dat,\u201c<\/em> vysv\u011btluje odborn\u00edk David Paco\u0148 ze spole\u010dnosti FinGO.<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d3d2b0c2223da15639da9c3ae6eb8949\">\ud83d\udfe0 Zjist\u011bte, zda m\u00e1te n\u00e1rok na povinn\u00fd p\u0159\u00edsp\u011bvek zam\u011bstnavatele v na\u0161em <a href=\"https:\/\/www.fingo.cz\/blog\/povinny-prispevek-zamestnavatele-zjistete-jestli-mate-narok-a-jak-si-ho-zajistit\/\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-luminous-vivid-orange-color\"><strong>\u010dl\u00e1nku.<\/strong><\/mark><\/a><\/p>\n\n\n\n<p><strong>DPS lze nav\u00edc sjednat i d\u011btem. <\/strong>Ty pak mohou po deseti letech spo\u0159en\u00ed a po dosa\u017een\u00ed plnoletosti vybrat a\u017e t\u0159etinu naspo\u0159en\u00fdch pen\u011bz.<\/p>\n\n\n\n<p>P\u0159i sjedn\u00e1v\u00e1n\u00ed je ale dobr\u00e9 myslet i na praktick\u00e9 detaily, kter\u00e9 mohou v budoucnu z\u00e1sadn\u011b usnadnit \u017eivot va\u0161im bl\u00edzk\u00fdm.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><em>\u201eLid\u00e9 \u010dasto zapom\u00ednaj\u00ed na takzvanou ur\u010denou osobu. Pokud klient uvede jednu \u010di v\u00edce ur\u010den\u00fdch osob, mohou b\u00fdt naspo\u0159en\u00e9 prost\u0159edky v p\u0159\u00edpad\u011b \u00famrt\u00ed vyplaceny p\u0159\u00edmo jim a neproch\u00e1zej\u00ed d\u011bdick\u00fdm \u0159\u00edzen\u00edm,\u201c vysv\u011btluje odborn\u00edk David Paco\u0148 ze spole\u010dnosti FinGO.<\/em><\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-p-ed-asn-d-chod-znamen-trval-sn-en-penze\"><strong>P\u0159ed\u010dasn\u00fd d\u016fchod znamen\u00e1 trval\u00e9 sn\u00ed\u017een\u00ed penze<\/strong><\/h2>\n\n\n\n<p>Na opa\u010dn\u00e9m p\u00f3lu stoj\u00ed p\u0159ed\u010dasn\u00fd d\u016fchod. Ten sice nab\u00edz\u00ed d\u0159\u00edv\u011bj\u0161\u00ed konec v pr\u00e1ci, ale za cenu, kterou budete spl\u00e1cet do konce \u017eivota \u2013 <strong>trval\u00e9ho a nevratn\u00e9ho sn\u00ed\u017een\u00ed st\u00e1tn\u00ed<\/strong> <strong>penze<\/strong>.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><em>\u201eP\u0159ed\u010dasn\u00fd d\u016fchod m\u016f\u017ee kr\u00e1tkodob\u011b pomoci v komplikovan\u00e9 situaci, z dlouhodob\u00e9ho pohledu v\u0161ak znamen\u00e1 ni\u017e\u0161\u00ed p\u0159\u00edjem po celou dobu st\u00e1\u0159\u00ed. Proto st\u00e1le v\u00edce lid\u00ed hled\u00e1 cesty, jak odej\u00edt z pr\u00e1ce d\u0159\u00edve, ani\u017e by si trvale sn\u00ed\u017eili st\u00e1tn\u00ed d\u016fchod,\u201c<\/em> \u0159\u00edk\u00e1 odborn\u00edk David Paco\u0148 ze spole\u010dnosti FinGO.<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-dip-flexibilita-a-vy-potenci-l\"><strong>DIP: Flexibilita a vy\u0161\u0161\u00ed potenci\u00e1l<\/strong><\/h2>\n\n\n\n<p>Rostouc\u00ed popularitu z\u00edsk\u00e1v\u00e1 <strong>Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP)<\/strong>, kter\u00fd od sv\u00e9ho zaveden\u00ed v roce 2024 p\u0159il\u00e1kal u\u017e p\u0159es 170 tis\u00edc investor\u016f. Na rozd\u00edl od konzervativn\u00edho spo\u0159en\u00ed nab\u00edz\u00ed voln\u011bj\u0161\u00ed ruku \u2013 <strong>m\u016f\u017eete <\/strong><a href=\"https:\/\/www.fingo.cz\/investice\"><strong>investovat<\/strong><\/a><strong> do akci\u00ed, fond\u016f nebo <\/strong><a href=\"https:\/\/www.fxstreet.cz\/zpravodajstvi-200984.html\"><strong>ETF<\/strong><\/a>. I zde st\u00e1t l\u00e1k\u00e1 na \u0161t\u011bdr\u00e9 da\u0148ov\u00e9 \u00falevy: <strong>ze z\u00e1kladu dan\u011b si m\u016f\u017eete ode\u010d\u00edst a\u017e 48 000 korun ro\u010dn\u011b<\/strong>, co\u017e v\u00e1m v pen\u011b\u017eence u\u0161et\u0159\u00ed minim\u00e1ln\u011b 7 200 korun.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-kombinace-n-stroj-jako-v-t-zn-strategie\"><strong>Kombinace n\u00e1stroj\u016f jako v\u00edt\u011bzn\u00e1 strategie<\/strong><\/h3>\n\n\n\n<p>Podle odborn\u00edk\u016f je nejefektivn\u011bj\u0161\u00ed cestou <strong>kombinace v\u00edce produkt\u016f najednou.<\/strong><\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><em>\u201e\u0158ada klient\u016f vyu\u017e\u00edv\u00e1 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed do v\u00fd\u0161e maxim\u00e1ln\u00ed st\u00e1tn\u00ed podpory a dal\u0161\u00ed finance investuje p\u0159es DIP. D\u00edky tomu \u010derpaj\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky, vyu\u017e\u00edvaj\u00ed da\u0148ov\u00e9 v\u00fdhody na maximum a z\u00e1rove\u0148 c\u00edl\u00ed na vy\u0161\u0161\u00ed zhodnocen\u00ed,\u201c<\/em> vysv\u011btluje expert ze spole\u010dnosti FinGO.<\/p>\n\n\n\n<div style=\"height:46px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<iframe id=\"iframeBannerV1_future\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=future\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-spr-vn-na-asov-n-odchodu-do-penze\"><strong>Spr\u00e1vn\u00e9 na\u010dasov\u00e1n\u00ed odchodu do penze<\/strong><\/h2>\n\n\n\n<p>P\u0159i pl\u00e1nov\u00e1n\u00ed hraje roli ka\u017ed\u00fd rok. <strong>Rozd\u00edl jednoho \u010di dvou let v na\u010dasov\u00e1n\u00ed odchodu z pr\u00e1ce m\u016f\u017ee v horizontu cel\u00e9 penze znamenat des\u00edtky a\u017e stovky tis\u00edc korun.<\/strong> Kl\u00ed\u010dem k \u00fasp\u011bchu je anal\u00fdza v\u0161ech zdroj\u016f \u2013 od st\u00e1tn\u00edch n\u00e1rok\u016f a\u017e po soukrom\u00e9 \u00faspory.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\"><em>\u201e\u010c\u00edm d\u0159\u00edve za\u010dnete sv\u00e9 finance na st\u00e1\u0159\u00ed \u0159e\u0161it, t\u00edm men\u0161\u00ed \u010d\u00e1stky mus\u00edte odkl\u00e1dat a t\u00edm v\u011bt\u0161\u00ed svobodu si zachov\u00e1te. Spol\u00e9hat se dnes pouze na st\u00e1t u\u017e zkr\u00e1tka nen\u00ed realistick\u00e9,\u201c&nbsp; <\/em>upozor\u0148uje odborn\u00edk ze spole\u010dnosti FinGO.<\/p>\n\n\n\n<p>Zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed u\u017e nen\u00ed o jedn\u00e9 \u00falo\u017ece, ale o dlouhodob\u00e9m procesu. Ti, kte\u0159\u00ed za\u010dnou pl\u00e1novat v\u010das a chyt\u0159e <strong>kombinuj\u00ed st\u00e1tn\u00ed syst\u00e9m se sv\u00fdm spo\u0159en\u00edm a investicemi<\/strong>, maj\u00ed <strong>nejv\u011bt\u0161\u00ed \u0161anci<\/strong> <strong>udr\u017eet si sv\u016fj \u017eivotn\u00ed standard<\/strong> i v dob\u011b, kdy u\u017e nebudou cht\u00edt nebo moci aktivn\u011b pracovat.<\/p>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-role-odborn-ho-poradenstv\"><strong>Role odborn\u00e9ho poradenstv\u00ed<\/strong><\/h2>\n\n\n\n<p><strong>Orientovat se v d\u016fchodov\u00fdch pravidlech, dan\u00edch a investic\u00edch nen\u00ed pro laika jednoduch\u00e9. <\/strong>Proto st\u00e1le roste v\u00fdznam finan\u010dn\u00ed gramotnosti a profesion\u00e1ln\u00ed pomoci. <a href=\"https:\/\/www.fingo.cz\/kontakty\">Kvalitn\u00ed poradce<\/a> dok\u00e1\u017ee propojit st\u00e1tn\u00ed i soukrom\u00e9 zdroje, nastavit realistick\u00fd pl\u00e1n a <strong>ochr\u00e1nit va\u0161e finance p\u0159ed chybami, kter\u00e9 by se mohly projevit a\u017e za des\u00edtky let.<\/strong><\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-asto-kladen-ot-zky-faq\"><strong>\u010casto kladen\u00e9 ot\u00e1zky (FAQ)<\/strong><\/h2>\n\n\n\n<p><strong>1. Jak\u00fd je hlavn\u00ed rozd\u00edl mezi p\u0159edd\u016fchodem a p\u0159ed\u010dasn\u00fdm d\u016fchodem?<\/strong>&nbsp;<\/p>\n\n\n\n<p>P\u0159ed\u010dasn\u00fd d\u016fchod plat\u00ed st\u00e1t, ale znamen\u00e1 to trval\u00e9 a nevratn\u00e9 sn\u00ed\u017een\u00ed va\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed penze. P\u0159edd\u016fchod si financujete sami ze sv\u00fdch \u00faspor v DPS, d\u00edky \u010demu\u017e v\u00e1m st\u00e1tn\u00ed d\u016fchod z\u016fstane v pln\u00e9 v\u00fd\u0161i a st\u00e1t za v\u00e1s nav\u00edc plat\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p><strong>2. Kolik mi na penzijn\u00ed spo\u0159en\u00ed (DPS) p\u0159isp\u011bje st\u00e1t?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Maxim\u00e1ln\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek u dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed \u010din\u00ed 340 K\u010d m\u011bs\u00ed\u010dn\u011b. Krom\u011b toho m\u016f\u017eete d\u00edky da\u0148ov\u00fdm \u00falev\u00e1m u\u0161et\u0159it na dan\u00edch dal\u0161\u00edch a\u017e 7 200 K\u010d ro\u010dn\u011b.<\/p>\n\n\n\n<p><strong>3. M\u016f\u017ee mi na d\u016fchod p\u0159isp\u00edvat i zam\u011bstnavatel?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Ano, zam\u011bstnavatel v\u00e1m m\u016f\u017ee p\u0159isp\u00edvat a\u017e 50 000 K\u010d ro\u010dn\u011b. Tento p\u0159\u00edsp\u011bvek je v\u00fdhodn\u00fd pro oba \u2013 neodv\u00e1d\u00ed se z n\u011bj soci\u00e1ln\u00ed ani zdravotn\u00ed poji\u0161t\u011bn\u00ed. Od roku 2026 nav\u00edc mus\u00ed zam\u011bstnavatel\u00e9 povinn\u011b p\u0159isp\u00edvat lidem v tzv. rizikov\u00fdch profes\u00edch (3. kategorie).<\/p>\n\n\n\n<p><strong>4. Co je to DIP a v \u010dem je jin\u00fd ne\u017e klasick\u00e9 spo\u0159en\u00ed?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) nab\u00edz\u00ed v\u011bt\u0161\u00ed flexibilitu. Pen\u00edze m\u016f\u017eete sm\u011b\u0159ovat do akci\u00ed, ETF nebo fond\u016f. I u DIPu m\u016f\u017eete vyu\u017e\u00edt v\u00fdrazn\u00e9 da\u0148ov\u00e9 \u00falevy (odpo\u010det ze z\u00e1kladu dan\u011b a\u017e 48 000 K\u010d ro\u010dn\u011b).<\/p>\n\n\n\n<p><strong>5. Pro\u010d je dobr\u00e9 v penzijn\u00edm spo\u0159en\u00ed uv\u00e9st \u201eur\u010denou osobu\u201c?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Pokud ur\u010denou osobu uvedete, naspo\u0159en\u00e9 pen\u00edze j\u00ed budou v p\u0159\u00edpad\u011b va\u0161eho \u00famrt\u00ed vyplaceny p\u0159\u00edmo. Vyhnete se tak d\u011bdick\u00e9mu \u0159\u00edzen\u00ed a komplikac\u00edm pro va\u0161e bl\u00edzk\u00e9.<\/p>\n\n\n\n<p><strong>6. Kdy je nejlep\u0161\u00ed za\u010d\u00edt \u0159e\u0161it finance na st\u00e1\u0159\u00ed?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Co nejd\u0159\u00edve. \u010c\u00edm d\u0159\u00edve za\u010dnete, t\u00edm men\u0161\u00ed \u010d\u00e1stky sta\u010d\u00ed pravideln\u011b odkl\u00e1dat. I mal\u00e1 investice v mlad\u00e9m v\u011bku se d\u00edky slo\u017een\u00e9mu \u00faro\u010den\u00ed m\u016f\u017ee do d\u016fchodu prom\u011bnit ve v\u00fdznamn\u00fd pol\u0161t\u00e1\u0159.<\/p>\n\n\n\n<p>Upozorn\u011bn\u00ed: informace uveden\u00e9 v tomto dokumentu slou\u017e\u00ed pouze pro informa\u010dn\u00ed \u00fa\u010dely a nem\u011bly by b\u00fdt pova\u017eov\u00e1ny za investi\u010dn\u00ed poradenstv\u00ed. P\u0159\u00edklady a sc\u00e9n\u00e1\u0159e jsou hypotetick\u00e9 a slou\u017e\u00ed pouze k ilustrativn\u00edm \u00fa\u010del\u016fm.<\/p>\n\n\n\n<p>Investov\u00e1n\u00ed zahrnuje rizika, v\u010detn\u011b mo\u017en\u00e9 ztr\u00e1ty investovan\u00e9ho kapit\u00e1lu. Hodnota investic se m\u016f\u017ee m\u011bnit v z\u00e1vislosti na tr\u017en\u00edch podm\u00ednk\u00e1ch, ekonomick\u00fdch a dal\u0161\u00edch faktorech. Minul\u00e9 v\u00fdkony nejsou z\u00e1rukou v\u00fdkon\u016f budouc\u00edch. P\u0159ed u\u010din\u011bn\u00edm jak\u00fdchkoli investi\u010dn\u00edch rozhodnut\u00ed byste m\u011bli zv\u00e1\u017eit svou individu\u00e1ln\u00ed finan\u010dn\u00ed situaci, investi\u010dn\u00ed c\u00edle, toleranci rizika a poradit se s licencovan\u00fdm finan\u010dn\u00edm poradcem. Tento dokument nep\u0159edstavuje nab\u00eddku k prodeji nebo v\u00fdzvu k n\u00e1kupu jak\u00fdchkoli cenn\u00fdch pap\u00edr\u016f nebo kryptom\u011bn. P\u0159ed u\u010din\u011bn\u00edm investi\u010dn\u00edho rozhodnut\u00ed si v\u017edy p\u0159e\u010dt\u011bte relevantn\u00ed dokumentaci.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spol\u00e9hat se pouze na st\u00e1tn\u00ed d\u016fchod u\u017e p\u0159est\u00e1v\u00e1 b\u00fdt realistick\u00e9. Demografick\u00fd v\u00fdvoj a nejistota ohledn\u011b v\u00fd\u0161e penz\u00ed nut\u00ed \u010cechy k akci \u2013 nespol\u00e9hat na st\u00e1t, ale vz\u00edt finance do vlastn\u00edch rukou.&nbsp; St\u00e1le \u010dast\u011bji tak kombinuj\u00ed r\u016fzn\u00e9 formy soukrom\u00e9ho spo\u0159en\u00ed a investic. Mezi hlavn\u00ed pil\u00ed\u0159e t\u00e9to nov\u00e9 strategie pat\u0159\u00ed dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed a nov\u011bj\u0161\u00ed dlouhodob\u00fd investi\u010dn\u00ed produkt. St\u00e1rnut\u00ed populace zvy\u0161uje tlak na d\u016fchodov\u00fd syst\u00e9m Demografick\u00fd v\u00fdvoj v \u010cesku vytv\u00e1\u0159\u00ed na pr\u016fb\u011b\u017en\u00fd syst\u00e9m st\u00e1le citeln\u011bj\u0161\u00ed tlak. \u017dijeme d\u00e9le, rod\u00ed se m\u00e9n\u011b d\u011bt\u00ed a v\u00fdsledek je ne\u00faprosn\u00fd: na jednoho seniora bude v budoucnu vyd\u011bl\u00e1vat mnohem m\u00e9n\u011b lid\u00ed ne\u017e dnes.&nbsp; Pr\u00e1v\u011b tato nejistota ohledn\u011b v\u00fd\u0161e st\u00e1tn\u00ed penze motivuje \u010desk\u00e9 dom\u00e1cnosti, aby si budouc\u00ed p\u0159\u00edjem zajistily z vlastn\u00edch zdroj\u016f. Vlastn\u00ed finance pod kontrolou jsou toti\u017e tou nejlep\u0161\u00ed pojistkou proti demografick\u00fdm zm\u011bn\u00e1m. Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed jako z\u00e1klad rezervy Nejobl\u00edben\u011bj\u0161\u00edm n\u00e1strojem pro soukrom\u00e9 spo\u0159en\u00ed na st\u00e1\u0159\u00ed z\u016fst\u00e1v\u00e1 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (DPS), kter\u00e9 na konci roku 2025 vyu\u017e\u00edvaly p\u0159es dva miliony lid\u00ed. Nab\u00edz\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek a\u017e 340 korun m\u011bs\u00ed\u010dn\u011b a da\u0148ovou \u00fasporu a\u017e 7 200 korun za rok. Kl\u00ed\u010dov\u00fdm benefitem je mo\u017enost \u010derpat takzvan\u00fd p\u0159edd\u016fchod. Ten v\u00e1m dovol\u00ed skon\u010dit v pr\u00e1ci a\u017e o p\u011bt let d\u0159\u00edve, ani\u017e by se v\u00e1m trvale sn\u00ed\u017eila st\u00e1tn\u00ed penze. P\u0159edd\u016fchod sice financujete z [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":2925,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4],"tags":[189,125,132,67,16,37,195],"class_list":["post-2924","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","category-osobni-finance","tag-david-pacon","tag-dip","tag-dps","tag-duchod","tag-investice","tag-investovani","tag-penze"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jak si \u010ce\u0161i jist\u00ed st\u00e1\u0159\u00ed chytrou kombinac\u00ed? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Demografick\u00fd v\u00fdvoj a nejistota ohledn\u011b v\u00fd\u0161e penz\u00ed nut\u00ed \u010cechy k akci \u2013 nespol\u00e9hat na 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