{"id":3054,"date":"2026-09-22T12:56:19","date_gmt":"2026-09-22T11:56:19","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=3054"},"modified":"2026-09-22T13:22:05","modified_gmt":"2026-09-22T12:22:05","slug":"duchodova-reforma-2027","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/duchodova-reforma-2027\/","title":{"rendered":"D\u016fchodov\u00e1 reforma 2027: Zp\u0159\u00edsn\u011bn\u00ed v\u00fdpo\u010dt\u016f, fiktivn\u00ed p\u0159\u00edjmy i nov\u00e1 pravidla pro rodiny"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Od ledna 2027 \u010dek\u00e1 \u010desk\u00fd d\u016fchodov\u00fd syst\u00e9m <strong>rozs\u00e1hl\u00e1 reforma.<\/strong> V\u00fdpo\u010dty b\u011b\u017en\u00fdch penz\u00ed sice zp\u0159\u00edsn\u00ed, ale pe\u010duj\u00edc\u00edm o d\u011bti \u010di nemocn\u00e9 p\u0159\u00edbuzn\u00e9 p\u0159inese spravedliv\u011bj\u0161\u00ed podm\u00ednky. Zaveden\u00ed tzv. fiktivn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu pom\u016f\u017ee smazat propastn\u00e9 rozd\u00edly v penz\u00edch mezi tvo\u0159en\u00edm kari\u00e9ry a p\u00e9\u010d\u00ed o rodinu. <strong>Pod\u00edvejte se, co se m\u011bn\u00ed a jak se na novou realitu v\u010das p\u0159ipravit.<\/strong><\/p>\n\n\n\n<div style=\"height:28px\" 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-pro-st-t-m-n-pravidla-hry-demografie-a-udr-itelnost-syst-mu\">Pro\u010d st\u00e1t m\u011bn\u00ed pravidla hry: Demografie a neudr\u017eitelnost<\/a><\/li><li class=\"\"><a href=\"#htoc-zp-sn-n-v-po-tov-ho-vzorce-jak-klesaj-z-po-ty-od-roku-2027\">Jak od roku 2027 klesnou z\u00e1po\u010dty<\/a><\/li><li class=\"\"><a href=\"#htoc-co-je-fiktivn-vym-ovac-z-klad-a-jak-funguje-v-praxi\">Co je fiktivn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad a jak funguje<\/a><\/li><li class=\"\"><a href=\"#htoc-v-chovn-od-roku-2027-konec-plo-n-ho-bonusu-a-zmrazen-valorizace\">Konec plo\u0161n\u00e9ho v\u00fdchovn\u00e9ho a zmrazen\u00ed valorizace<\/a><\/li><li class=\"\"><a href=\"#htoc-dvoj-v-po-et-ssz-kter-varianta-bude-pro-v-s-v-hodn-j\">Dvoj\u00ed v\u00fdpo\u010det \u010cSSZ: Kter\u00e1 varianta je v\u00fdhodn\u011bj\u0161\u00ed?<\/a><\/li><li class=\"\"><a href=\"#htoc-modelov-p-klady-kolik-pen-z-v-m-reforma-p-inese-nebo-vezme\">Modelov\u00e9 p\u0159\u00edklady: Kolik v\u00e1m reforma p\u0159inese \u010di vezme<\/a><\/li><li class=\"\"><a href=\"#htoc-dobrovoln-sd-len-vym-ovac-ch-z-klad-spravedliv-penze-pro-man-ele\">Dobrovoln\u00e9 sd\u00edlen\u00ed vym\u011b\u0159ovac\u00edch z\u00e1klad\u016f<\/a><\/li><li class=\"\"><a href=\"#htoc-ast-chyby-a-rizika-na-co-si-d-t-pozor-p-i-pl-nov-n-odchodu-do-d-chodu\">Nej\u010dast\u011bj\u0161\u00ed chyby a rizika p\u0159i pl\u00e1nov\u00e1n\u00ed penze<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-se-p-ipravit-na-d-chod-strategie-pro-budov-n-vlastn-renty\">Jak se v\u010das p\u0159ipravit na d\u016fchod<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-pro-st-t-m-n-pravidla-hry-demografie-a-udr-itelnost-syst-mu\" class=\"wp-block-heading\">Pro\u010d st\u00e1t m\u011bn\u00ed pravidla hry: Demografie a neudr\u017eitelnost<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sou\u010dasn\u00fd penzijn\u00ed syst\u00e9m je dlouhodob\u011b neudr\u017eiteln\u00fd. Podle \u010cesk\u00e9ho statistick\u00e9ho \u00fa\u0159adu (<a href=\"https:\/\/csu.gov.cz\/\" data-type=\"link\" data-id=\"https:\/\/csu.gov.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u010cS\u00da<\/a>) bude v dal\u0161\u00edch letech <strong>v\u00fdrazn\u011b p\u0159ib\u00fdvat senior\u016f v\u016f\u010di lidem v produktivn\u00edm v\u011bku.<\/strong> Ministerstvo pr\u00e1ce a soci\u00e1ln\u00edch v\u011bc\u00ed (<a href=\"https:\/\/mpsv.gov.cz\/\" data-type=\"link\" data-id=\"https:\/\/mpsv.gov.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">MPSV<\/a>) varuje, \u017ee bez reformy platn\u00e9 od 1. ledna 2027 by syst\u00e9mu hrozily ro\u010dn\u00ed deficity v \u0159\u00e1du stamiliard korun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00edlem zm\u011bn je stabilizovat ve\u0159ejn\u00e9 finance. Zat\u00edmco d\u0159\u00edve dosahoval pr\u016fm\u011brn\u00fd d\u016fchod 45 a\u017e 50 % pr\u016fm\u011brn\u00e9 mzdy, tento n\u00e1hradov\u00fd pom\u011br bude postupn\u011b klesat. <strong>St\u00e1tn\u00ed penze v budoucnu zajist\u00ed pouze z\u00e1kladn\u00ed \u017eivotn\u00ed \u00farove\u0148 <\/strong>a zachov\u00e1n\u00ed nadstandardu bude vy\u017eadovat vlastn\u00ed \u00faspory.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reforma z\u00e1rove\u0148 \u0159e\u0161\u00ed tzv. <strong>gender pension gap<\/strong>. \u017deny maj\u00ed v \u010cesku penze pr\u016fm\u011brn\u011b o 15 % ni\u017e\u0161\u00ed ne\u017e mu\u017ei kv\u016fli p\u00e9\u010di o rodinu. Nov\u00fd syst\u00e9m tyto roky aktivn\u011b ocen\u00ed, nam\u00edsto jejich pouh\u00e9ho vylou\u010den\u00ed z v\u00fdpo\u010dtu.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udc49 St\u00e1t d\u00e1v\u00e1 jasn\u011b najevo, \u017ee <strong>nadstandardn\u00ed \u017eivotn\u00ed \u00farove\u0148 v penzi si bude muset ka\u017ed\u00fd vybudovat s\u00e1m prost\u0159ednictv\u00edm vlastn\u00edch \u00faspor a investic.<\/strong><\/p>\n\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-zp-sn-n-v-po-tov-ho-vzorce-jak-klesaj-z-po-ty-od-roku-2027\" class=\"wp-block-heading\">Jak od roku 2027 klesnou z\u00e1po\u010dty<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Reforma b\u011bhem deseti let zp\u0159\u00edsn\u00ed parametry v\u00fdpo\u010dtu nov\u00fdch penz\u00ed upraven\u00edm reduk\u010dn\u00edch hranic a <strong>sn\u00ed\u017een\u00edm z\u00e1po\u010dtu za odpracovan\u00e9 roky:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-1-reduk-n-hranice-do-roku-2025-se-zapo-t-vala-ze-100-v-roce-2026-klesla-na-99-a-od-roku-2027-klesne-na-98-pokles-bude-pokra-ovat-o-1-ro-n-a-na-90-v-roce-2035\"><strong>1. reduk\u010dn\u00ed hranice:<\/strong> Do roku 2025 se zapo\u010d\u00edt\u00e1vala ze 100 %, v roce 2026 klesla na 99 % a od roku 2027 klesne na 98 %. Pokles bude pokra\u010dovat o 1 % ro\u010dn\u011b a\u017e na 90 % v roce 2035.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-procentn-v-m-ra-za-ka-d-rok-poji-t-n-se-p-i-talo-1-5-z-v-po-tov-ho-z-kladu-v-roce-2026-to-bylo-1-495-od-roku-2027-to-bude-1-490-a-do-roku-2035-hodnota-klesne-na-1-45\"><strong>Procentn\u00ed v\u00fdm\u011bra:<\/strong> Za ka\u017ed\u00fd rok poji\u0161t\u011bn\u00ed se p\u0159i\u010d\u00edtalo 1,5 % z v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu. V roce 2026 to bylo 1,495 %, od roku 2027 to bude 1,490 % a do roku 2035 hodnota klesne na 1,45 %.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e1sleduj\u00edc\u00ed tabulka ukazuje, jak se budou v pr\u016fb\u011bhu let m\u011bnit kl\u00ed\u010dov\u00e9 koeficienty ur\u010duj\u00edc\u00ed v\u00fd\u0161i va\u0161eho starobn\u00edho d\u016fchodu.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Rok p\u0159izn\u00e1n\u00ed d\u016fchodu<\/th><th class=\"has-text-align-center\" data-align=\"center\">Z\u00e1po\u010det v 1. reduk\u010dn\u00ed hranici<\/th><th class=\"has-text-align-center\" data-align=\"center\">Z\u00e1po\u010det za ka\u017ed\u00fd rok poji\u0161t\u011bn\u00ed<\/th><\/tr><\/thead><tbody><tr><td>2025<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,500 %<\/td><\/tr><tr><td>2026<\/td><td class=\"has-text-align-center\" data-align=\"center\">99 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,495 %<\/td><\/tr><tr><td>2027<\/td><td class=\"has-text-align-center\" data-align=\"center\">98 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,490 %<\/td><\/tr><tr><td>2030 (pl\u00e1n)<\/td><td class=\"has-text-align-center\" data-align=\"center\">95 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,475 %<\/td><\/tr><tr><td>2035 (c\u00edlov\u00fd stav)<\/td><td class=\"has-text-align-center\" data-align=\"center\">90 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">1,450 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>D\u016fle\u017eit\u00e9:<\/strong> Zp\u0159\u00edsn\u011bn\u00ed se t\u00fdk\u00e1 v\u00fdhradn\u011b nov\u00fdch d\u016fchod\u016f p\u0159iznan\u00fdch od 1. ledna 2027. Ji\u017e vypl\u00e1cen\u00e9 penze se nep\u0159epo\u010d\u00edt\u00e1vaj\u00ed a podl\u00e9haj\u00ed pouze b\u011b\u017en\u00e9 valorizaci.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-co-je-fiktivn-vym-ovac-z-klad-a-jak-funguje-v-praxi\" class=\"wp-block-heading\">Co je fiktivn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad a jak funguje<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Od ledna 2027 st\u00e1t zavedete tzv. <strong>fiktivn\u00ed (rodinn\u00fd) vym\u011b\u0159ovac\u00ed z\u00e1klad.<\/strong> Za dobu p\u00e9\u010de zapo\u010d\u00edt\u00e1 fiktivn\u00ed p\u0159\u00edjem odvozen\u00fd z pr\u016fm\u011brn\u00e9 mzdy dan\u00e9ho roku:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-100-pr-m-rn-mzdy-za-p-i-o-d-t-do-3-let-plat-pro-prvn-dv-d-ti-a-za-p-i-o-osoby-z-visl-ve-stupni-iii-a-iv\"><strong>100 % pr\u016fm\u011brn\u00e9 mzdy:<\/strong> P\u00e9\u010de o d\u00edt\u011b do 3 let (prvn\u00ed dv\u011b d\u011bti) a p\u00e9\u010de o osoby v III. a IV. stupni z\u00e1vislosti.<\/li>\n\n\n\n<li id=\"htoc-50-pr-m-rn-mzdy-za-p-i-o-d-t-od-3-do-10-let-v-i-stupni-z-vislosti-a-p-i-p-i-o-bl-zk-ve-stupni-ii\"><strong>50 % pr\u016fm\u011brn\u00e9 mzdy:<\/strong> P\u00e9\u010de o d\u00edt\u011b od 3 do 10 let v I. stupni z\u00e1vislosti a p\u00e9\u010de o bl\u00edzk\u00e9 ve II. stupni.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udfe2 \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed (<a href=\"https:\/\/www.cssz.gov.cz\/\" data-type=\"link\" data-id=\"https:\/\/www.cssz.gov.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u010cSSZ<\/a>) nav\u00edc bude automaticky porovn\u00e1vat, zda je pro \u017eadatele v\u00fdhodn\u011bj\u0161\u00ed nov\u00fd v\u00fdpo\u010det s fiktivn\u00edm z\u00e1kladem, nebo star\u0161\u00ed syst\u00e9m vylou\u010den\u00fdch dob, a n\u00e1sledn\u011b zvol\u00ed p\u0159\u00edzniv\u011bj\u0161\u00ed variantu.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83d\udca1 <strong>Tip:<\/strong> Zm\u011bna pom\u016f\u017ee hlavn\u011b t\u011bm, kte\u0159\u00ed p\u0159i p\u00e9\u010di pracovali na zkr\u00e1cen\u00fd \u00favazek \u2013 fiktivn\u00ed a re\u00e1ln\u00fd p\u0159\u00edjem se toti\u017e s\u010d\u00edtaj\u00ed.<\/p>\n\n\n\n<div style=\"height:35px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-v-chovn-od-roku-2027-konec-plo-n-ho-bonusu-a-zmrazen-valorizace\" class=\"wp-block-heading\">Konec plo\u0161n\u00e9ho v\u00fdchovn\u00e9ho a zmrazen\u00ed valorizace<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pevn\u00e9 v\u00fdchovn\u00e9 (od roku 2023 ve v\u00fd\u0161i 500 K\u010d m\u011bs\u00ed\u010dn\u011b za d\u00edt\u011b) nahrad\u00ed u prvn\u00edch dvou d\u011bt\u00ed pro nov\u011b p\u0159iznan\u00e9 d\u016fchody fiktivn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad. <strong>P\u0159\u00edsp\u011bvek 500 K\u010d m\u011bs\u00ed\u010dn\u011b tak bude nov\u011b n\u00e1le\u017eet a\u017e od t\u0159et\u00edho d\u00edt\u011bte.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1rove\u0148 <strong>doch\u00e1z\u00ed ke zmrazen\u00ed valorizace v\u00fdchovn\u00e9ho pro v\u0161echny d\u016fchodce.<\/strong> P\u0159i ro\u010dn\u00ed valorizaci se 500 K\u010d od procentn\u00ed v\u00fdm\u011bry ode\u010dte, zbyl\u00e1 \u010d\u00e1st se valorizuje a 500 K\u010d se op\u011bt p\u0159i\u010dte v p\u016fvodn\u00ed fixn\u00ed v\u00fd\u0161i. <strong>Re\u00e1ln\u00e1 hodnota bonusu tak bude v \u010dase klesat.<\/strong> St\u00e1vaj\u00edc\u00edm d\u016fchodc\u016fm n\u00e1rok na v\u00fdchovn\u00e9 za 1. a 2. d\u00edt\u011b z\u016fst\u00e1v\u00e1.<\/p>\n\n\n\n<div style=\"height:39px\" 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<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-dvoj-v-po-et-ssz-kter-varianta-bude-pro-v-s-v-hodn-j\" class=\"wp-block-heading\">Dvoj\u00ed v\u00fdpo\u010det \u010cSSZ: Kter\u00e1 varianta je v\u00fdhodn\u011bj\u0161\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed (\u010cSSZ) bude od roku 2027 u ka\u017ed\u00e9 \u017e\u00e1dosti automaticky porovn\u00e1vat dv\u011b varianty a p\u0159izn\u00e1 tu finan\u010dn\u011b v\u00fdhodn\u011bj\u0161\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-varianta-a-star-pravidla-p-e-jako-vylou-en-doba-v-chovn-500-k-za-ka-d-d-t-v-etn-1-a-2-v-hodn-j-pro-lidi-s-vysok-mi-p-jmy-nad-cca-80-000-k\"><strong>Varianta A (star\u00e1 pravidla):<\/strong> P\u00e9\u010de jako vylou\u010den\u00e1 doba + v\u00fdchovn\u00e9 500 K\u010d za ka\u017ed\u00e9 d\u00edt\u011b (v\u010detn\u011b 1. a 2.). V\u00fdhodn\u011bj\u0161\u00ed pro lidi s vysok\u00fdmi p\u0159\u00edjmy (nad cca 80 000 K\u010d).<\/li>\n\n\n\n<li id=\"htoc-varianta-a-star-pravidla-p-e-jako-vylou-en-doba-v-chovn-500-k-za-ka-d-d-t-v-etn-1-a-2-v-hodn-j-pro-lidi-s-vysok-mi-p-jmy-nad-cca-80-000-k1\"><strong>Varianta B (nov\u00e1 pravidla):<\/strong> P\u00e9\u010de s fiktivn\u00edm z\u00e1kladem z pr\u016fm\u011brn\u00e9 mzdy + v\u00fdchovn\u00e9 500 K\u010d a\u017e od 3. d\u00edt\u011bte. V\u00fdhodn\u011bj\u0161\u00ed pro n\u00edzk\u00e9 a pr\u016fm\u011brn\u00e9 p\u0159\u00edjmy (nap\u0159. 32 000 K\u010d vs. pr\u016fm\u011brn\u00e1 mzda p\u0159es 45 000 K\u010d v roce 2026).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udfe2 Ob\u011b varianty spo\u010d\u00edt\u00e1 \u010cSSZ na pozad\u00ed automaticky ze z\u00e1kona. Vy si na <a href=\"https:\/\/eportal.cssz.cz\/\" data-type=\"link\" data-id=\"https:\/\/eportal.cssz.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">ePort\u00e1lu \u010cSSZ<\/a> pouze <strong>ov\u011b\u0159te, zda m\u00e1 st\u00e1t v\u0161echny doby p\u00e9\u010de spr\u00e1vn\u011b zaevidovan\u00e9.<\/strong><\/p>\n\n\n\n<div style=\"height:45px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-modelov-p-klady-kolik-pen-z-v-m-reforma-p-inese-nebo-vezme\" class=\"wp-block-heading\">Modelov\u00e9 p\u0159\u00edklady: Kolik v\u00e1m reforma p\u0159inese \u010di vezme<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pod\u00edvejme se na dva modelov\u00e9 <strong>p\u0159\u00edklady odchodu do d\u016fchodu v roce 2027<\/strong> po 6 letech p\u00e9\u010de o 2 d\u011bti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad 1: Pan\u00ed Jana (celo\u017eivotn\u00ed pr\u016fm\u011brn\u00e1 mzda 32 000 K\u010d)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-varianta-a-vylou-en-doba-v-chovn-celo-ivotn-pr-m-r-z-st-v-32-000-k-s-v-chovn-m-1-000-k-za-dv-d-ti-bude-jej-odhadovan-d-chod-cca-18-400-k\"><strong>Varianta A (Vylou\u010den\u00e1 doba + v\u00fdchovn\u00e9):<\/strong> Celo\u017eivotn\u00ed pr\u016fm\u011br z\u016fst\u00e1v\u00e1 32 000 K\u010d. S v\u00fdchovn\u00fdm 1 000 K\u010d za dv\u011b d\u011bti bude jej\u00ed odhadovan\u00fd d\u016fchod cca 18 400 K\u010d.<\/li>\n\n\n\n<li id=\"htoc-varianta-b-fiktivn-z-klad-bez-v-chovn-ho-za-6-let-p-e-z-sk-fiktivn-p-jem-cca-45-000-k-jej-celo-ivotn-pr-m-r-stoupne-na-34-800-k-odhadovan-d-chod-bude-cca-19-100-k\"><strong>Varianta B (Fiktivn\u00ed z\u00e1klad bez v\u00fdchovn\u00e9ho):<\/strong> Za 6 let p\u00e9\u010de z\u00edsk\u00e1 fiktivn\u00ed p\u0159\u00edjem (cca 45 000 K\u010d). Jej\u00ed celo\u017eivotn\u00ed pr\u016fm\u011br stoupne na 34 800 K\u010d. Odhadovan\u00fd d\u016fchod bude cca 19 100 K\u010d.<br><br>\ud83d\udc49 <strong>\u010cSSZ zvol\u00ed Variantu B<\/strong>, penze bude o 700 K\u010d m\u011bs\u00ed\u010dn\u011b vy\u0161\u0161\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad 2: Pan\u00ed Martina (celo\u017eivotn\u00ed pr\u016fm\u011brn\u00e1 mzda 85 000 K\u010d)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-varianta-a-vylou-en-doba-v-chovn-celo-ivotn-pr-m-r-z-st-v-85-000-k-s-v-chovn-m-1-000-k-bude-jej-d-chod-kolem-29-500-k\"><strong>Varianta A (Vylou\u010den\u00e1 doba + v\u00fdchovn\u00e9):<\/strong> Celo\u017eivotn\u00ed pr\u016fm\u011br z\u016fst\u00e1v\u00e1 85 000 K\u010d. S v\u00fdchovn\u00fdm 1 000 K\u010d bude jej\u00ed d\u016fchod kolem 29 500 K\u010d.<\/li>\n\n\n\n<li id=\"htoc-varianta-b-fiktivn-z-klad-bez-v-chovn-ho-fiktivn-p-jem-45-000-k-by-jej-celo-ivotn-pr-m-r-sn-il-na-78-500-k-jej-d-chod-by-klesl\"><strong>Varianta B (Fiktivn\u00ed z\u00e1klad bez v\u00fdchovn\u00e9ho):<\/strong> Fiktivn\u00ed p\u0159\u00edjem 45 000 K\u010d by jej\u00ed celo\u017eivotn\u00ed pr\u016fm\u011br sn\u00ed\u017eil na 78 500 K\u010d. Jej\u00ed d\u016fchod by klesl.<br><br>\ud83d\udc49 <strong>\u010cSSZ zvol\u00ed Variantu A<\/strong>, aby nedo\u0161lo k znehodnocen\u00ed vysok\u00fdch p\u0159\u00edjm\u016f.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-dobrovoln-sd-len-vym-ovac-ch-z-klad-spravedliv-penze-pro-man-ele\" class=\"wp-block-heading\">Dobrovoln\u00e9 sd\u00edlen\u00ed vym\u011b\u0159ovac\u00edch z\u00e1klad\u016f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Od ledna 2027 mohou <strong>man\u017eel\u00e9 \u010di registrovan\u00ed partne\u0159i dobrovoln\u011b sd\u00edlet sv\u00e9 vym\u011b\u0159ovac\u00ed z\u00e1klady.<\/strong> Spole\u010dn\u00e9 p\u0159\u00edjmy za dobu man\u017eelstv\u00ed se se\u010dtou a rozd\u011bl\u00ed nap\u016fl. Chr\u00e1n\u00ed to partnera, kter\u00fd ob\u011btoval kari\u00e9ru p\u00e9\u010di o rodinu, p\u0159ed n\u00edzkou penz\u00ed i p\u0159\u00edpadn\u00fdm propadem p\u0159\u00edjm\u016f po rozvodu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Podm\u00ednky sd\u00edlen\u00ed:<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-dohodu-mus-te-doru-it-na-ssz-nejpozd-ji-v-den-dosti-prvn-ze-dvou-osob-o-penzi-lze-sjednat-i-zp-tn-za-celou-dobu-trv-n-man-elstv\">Dohodu mus\u00edte doru\u010dit na \u010cSSZ nejpozd\u011bji v den \u017e\u00e1dosti prvn\u00ed ze dvou osob o penzi (lze sjednat i zp\u011btn\u011b za celou dobu trv\u00e1n\u00ed man\u017eelstv\u00ed).<\/li>\n\n\n\n<li id=\"htoc-dohodu-mus-te-doru-it-na-ssz-nejpozd-ji-v-den-dosti-prvn-ze-dvou-osob-o-penzi-lze-sjednat-i-zp-tn-za-celou-dobu-trv-n-man-elstv1\">Po p\u0159izn\u00e1n\u00ed penze ji\u017e dohodu nelze uzav\u0159\u00edt.<\/li>\n\n\n\n<li id=\"htoc-111\">P\u0159i rozvodu sd\u00edlen\u00ed do budoucna zanik\u00e1, ale ji\u017e rozd\u011blen\u00e1 obdob\u00ed z\u016fst\u00e1vaj\u00ed nap\u016fl.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:46px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-ast-chyby-a-rizika-na-co-si-d-t-pozor-p-i-pl-nov-n-odchodu-do-d-chodu\" class=\"wp-block-heading\">Nej\u010dast\u011bj\u0161\u00ed chyby a rizika p\u0159i pl\u00e1nov\u00e1n\u00ed penze<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00ed chybou je spol\u00e9hat se na to, \u017ee st\u00e1t m\u00e1 v\u0161echny informace o va\u0161\u00ed p\u00e9\u010di k dispozici. P\u0159echod na nov\u00e1 pravidla od roku 2027 s sebou nese \u0159adu administrativn\u00edch \u00faskal\u00ed. <strong>Pokud budouc\u00ed d\u016fchodci podcen\u00ed p\u0159\u00edpravu, mohou p\u0159ij\u00edt o v\u00fdznamn\u00e9 \u010d\u00e1stky.<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udea8 Na co si d\u00e1t pozor<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-ssz-nev-o-ka-d-m-m-s-ci-p-e-o-z-vislou-osobu-pokud-nebyl-p-izn-n-p-sp-vek-na-p-i-st-t-toto-obdob-nezohledn-p-i-dosti-o-d-chod-mus-te-tak-dolo-it-rodn-listy-d-t-pro-uplatn-n-fiktivn-ho-z-kladu\"><strong>Nedolo\u017een\u00ed dob p\u00e9\u010de:<\/strong> \u010cSSZ nem\u00e1 evidenci automaticky kompletn\u00ed. Doby p\u00e9\u010de mus\u00edte dolo\u017eit rodn\u00fdmi listy d\u011bt\u00ed nebo potvrzen\u00edm o p\u0159\u00edsp\u011bvku na p\u00e9\u010di.<br><\/li>\n\n\n\n<li id=\"htoc-\"><strong>Zme\u0161k\u00e1n\u00ed term\u00ednu pro sd\u00edlen\u00ed:<\/strong> Dohoda doru\u010den\u00e1 po pod\u00e1n\u00ed \u017e\u00e1dosti o d\u016fchod je neplatn\u00e1.<br><\/li>\n\n\n\n<li id=\"htoc-1\"><strong>Myln\u00e9 p\u0159edstavy o rozvodu:<\/strong> Zp\u011btn\u011b nelze ji\u017e sd\u00edlen\u00e9 roky b\u011bhem man\u017eelstv\u00ed anulovat.<br><\/li>\n\n\n\n<li id=\"htoc-11\"><strong>Spol\u00e9h\u00e1n\u00ed se na vysokou st\u00e1tn\u00ed penzi:<\/strong> Klesaj\u00edc\u00ed n\u00e1hradov\u00fd pom\u011br sn\u00ed\u017e\u00ed st\u00e1tn\u00ed d\u016fchody v\u0161em.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"htoc-jak-se-p-ipravit-na-d-chod-strategie-pro-budov-n-vlastn-renty\" class=\"wp-block-heading\">Jak se v\u010das p\u0159ipravit na d\u016fchod<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud si chcete v d\u016fchodu udr\u017eet sv\u016fj \u017eivotn\u00ed standard, cestovat, v\u011bnovat se kon\u00ed\u010dk\u016fm a neb\u00fdt z\u00e1visl\u00ed na pomoci rodiny, mus\u00edte vz\u00edt odpov\u011bdnost do vlastn\u00edch rukou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeliko\u017e st\u00e1tn\u00ed penze p\u0159edstavuje sp\u00ed\u0161e z\u00e1kladn\u00ed z\u00e1chrannou s\u00ed\u0165, finan\u010dn\u00ed jistotu zajist\u00ed vlastn\u00ed investov\u00e1n\u00ed. St\u00e1t k tomu podporuje hlavn\u00ed n\u00e1stroje 3. pil\u00ed\u0159e:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-dlouhodob-investi-n-produkt-dip-umo-uje-investovat-do-akci-etf-i-fond-s-da-ovou-levou-od-z-kladu-dan-si-m-ete-ode-st-a-48-000-k-ro-n-co-u-et-7-200-k-na-dan-ch-p-isp-vat-m-e-i-zam-stnavatel-a-do-v-e-50-000-k-ro-n\"><strong>Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP):<\/strong> Umo\u017e\u0148uje investovat do ETF, pod\u00edlov\u00fdch fond\u016f \u010di akci\u00ed. Nab\u00edz\u00ed <strong>da\u0148ovou \u00fasporu <\/strong>z p\u0159\u00edsp\u011bvk\u016f<strong> a\u017e 48 000 K\u010d ro\u010dn\u011b<\/strong> a <strong>p\u0159\u00edsp\u011bvek zam\u011bstnavatele a\u017e 50 000 K\u010d ro\u010dn\u011b <\/strong>bez zdan\u011bn\u00ed.<br><\/li>\n\n\n\n<li id=\"htoc-dopl-kov-penzijn-spo-en-dps-nab-z-st-tn-podporu-a-40-z-vklad-zejm-na-pro-mlad-lidi-do-30-let\"><strong>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (DPS):<\/strong> Tradi\u010dn\u00ed produkt se <strong>st\u00e1tn\u00edmi p\u0159\u00edsp\u011bvky a da\u0148ov\u00fdmi \u00falevami.<\/strong> V r\u00e1mci aktu\u00e1ln\u00edch zm\u011bn doch\u00e1z\u00ed k modernizaci syst\u00e9mu, kter\u00fd umo\u017en\u00ed dynami\u010dt\u011bj\u0161\u00ed investov\u00e1n\u00ed pro mlad\u0161\u00ed ro\u010dn\u00edky a efektivn\u011bj\u0161\u00ed zhodnocen\u00ed \u00faspor.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udee1\ufe0f <strong>Tip:<\/strong> Nejste si jist\u00ed, jak se zm\u011bny od roku 2027 dotknou va\u0161\u00ed penze nebo jak nejl\u00e9pe vyu\u017e\u00edt da\u0148ov\u00e9 \u00falevy u DIP a penzijn\u00edho spo\u0159en\u00ed? Specialist\u00e9 z <a href=\"https:\/\/www.fingo.cz\/investice?utm_source=gemini\" target=\"_blank\" rel=\"noopener\">FinGO.cz<\/a> v\u00e1m <strong>bezplatn\u011b a nez\u00e1vazn\u011b porovnaj\u00ed nab\u00eddky nap\u0159\u00ed\u010d trhem<\/strong> a pomohou sestavit investi\u010dn\u00ed pl\u00e1n na m\u00edru pro finan\u010dn\u011b zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed.<\/p>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Od ledna 2027 \u010dek\u00e1 \u010desk\u00fd d\u016fchodov\u00fd syst\u00e9m rozs\u00e1hl\u00e1 reforma. V\u00fdpo\u010dty b\u011b\u017en\u00fdch penz\u00ed sice zp\u0159\u00edsn\u00ed, ale pe\u010duj\u00edc\u00edm o d\u011bti \u010di nemocn\u00e9 p\u0159\u00edbuzn\u00e9 p\u0159inese spravedliv\u011bj\u0161\u00ed podm\u00ednky. Zaveden\u00ed tzv. fiktivn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu pom\u016f\u017ee smazat propastn\u00e9 rozd\u00edly v penz\u00edch mezi tvo\u0159en\u00edm kari\u00e9ry a p\u00e9\u010d\u00ed o rodinu. Pod\u00edvejte se, co se m\u011bn\u00ed a jak se na novou realitu v\u010das p\u0159ipravit. Pro\u010d st\u00e1t m\u011bn\u00ed pravidla hry: Demografie a neudr\u017eitelnost Sou\u010dasn\u00fd penzijn\u00ed syst\u00e9m je dlouhodob\u011b neudr\u017eiteln\u00fd. Podle \u010cesk\u00e9ho statistick\u00e9ho \u00fa\u0159adu (\u010cS\u00da) bude v dal\u0161\u00edch letech v\u00fdrazn\u011b p\u0159ib\u00fdvat senior\u016f v\u016f\u010di lidem v produktivn\u00edm v\u011bku. Ministerstvo pr\u00e1ce a soci\u00e1ln\u00edch v\u011bc\u00ed (MPSV) varuje, \u017ee bez reformy platn\u00e9 od 1. ledna 2027 by syst\u00e9mu hrozily ro\u010dn\u00ed deficity v \u0159\u00e1du stamiliard korun. C\u00edlem zm\u011bn je stabilizovat ve\u0159ejn\u00e9 finance. Zat\u00edmco d\u0159\u00edve dosahoval pr\u016fm\u011brn\u00fd d\u016fchod 45 a\u017e 50 % pr\u016fm\u011brn\u00e9 mzdy, tento n\u00e1hradov\u00fd pom\u011br bude postupn\u011b klesat. St\u00e1tn\u00ed penze v budoucnu zajist\u00ed pouze z\u00e1kladn\u00ed \u017eivotn\u00ed \u00farove\u0148 a zachov\u00e1n\u00ed nadstandardu bude vy\u017eadovat vlastn\u00ed \u00faspory. Reforma z\u00e1rove\u0148 \u0159e\u0161\u00ed tzv. gender pension gap. \u017deny maj\u00ed v \u010cesku penze pr\u016fm\u011brn\u011b o 15 % ni\u017e\u0161\u00ed ne\u017e mu\u017ei kv\u016fli p\u00e9\u010di o rodinu. Nov\u00fd syst\u00e9m tyto roky aktivn\u011b ocen\u00ed, nam\u00edsto jejich pouh\u00e9ho vylou\u010den\u00ed z v\u00fdpo\u010dtu. \ud83d\udc49 St\u00e1t d\u00e1v\u00e1 jasn\u011b najevo, \u017ee nadstandardn\u00ed \u017eivotn\u00ed \u00farove\u0148 v penzi si bude muset ka\u017ed\u00fd vybudovat [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":3073,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[67,16,195,150],"class_list":["post-3054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-duchod","tag-investice","tag-penze","tag-sporeni-na-penzi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>D\u016fchodov\u00e1 reforma 2027: Jak se zm\u011bn\u00ed v\u00fdpo\u010det penz\u00ed? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u010cesk\u00fd d\u016fchodov\u00fd syst\u00e9m \u010dek\u00e1 od ledna 2027 velk\u00e1 reforma. 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