[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.danima.cz\/meli-bychom-spolehat-v-duchodu-jen-na-stat\/#Article","mainEntityOfPage":"https:\/\/www.danima.cz\/meli-bychom-spolehat-v-duchodu-jen-na-stat\/","headline":"M\u011bli bychom spol\u00e9hat v d\u016fchodu jen na st\u00e1t?","name":"M\u011bli bychom spol\u00e9hat v d\u016fchodu jen na st\u00e1t?","description":"D\u016fchody jsou velk\u00e9 t\u00e9ma, kter\u00e9 neust\u00e1le h\u00fdbe \u010ceskou republikou, a to jak ob\u010dany, tak mezi politiky. Neust\u00e1le se diskutuje, jestli je v\u00fd\u0161e na\u0161ich d\u016fchod\u016f dostate\u010dn\u00e1,","datePublished":"2023-06-20","dateModified":"2023-08-18","author":{"@type":"Person","@id":"https:\/\/www.danima.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.danima.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/5522eb0fc8481dea5f6519f6a0b15ee2c46358d48429b281fd7c49cbb5a929f9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"danima.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.danima.cz\/wp-content\/uploads\/marisa-howenstine-nFsOlSE9Mn8-unsplash_1.jpg","url":"https:\/\/www.danima.cz\/wp-content\/uploads\/marisa-howenstine-nFsOlSE9Mn8-unsplash_1.jpg","height":0,"width":0},"url":"https:\/\/www.danima.cz\/meli-bychom-spolehat-v-duchodu-jen-na-stat\/","about":["Pen\u00edze"],"wordCount":438,"articleBody":"      D\u016fchody jsou velk\u00e9 t\u00e9ma, kter\u00e9 neust\u00e1le h\u00fdbe \u010ceskou republikou, a to jak ob\u010dany, tak mezi politiky. Neust\u00e1le se diskutuje, jestli je v\u00fd\u0161e na\u0161ich d\u016fchod\u016f dostate\u010dn\u00e1, jak\u00fd je ten spr\u00e1vn\u00fd v\u011bk na to, aby \u010dlov\u011bk ode\u0161el do d\u016fchodu a jak\u00e9 by m\u011bli m\u00edt lid\u00e9 v d\u016fchodov\u00e9m v\u011bku \u00falevy od st\u00e1tu. Pravda je, \u017ee na d\u016fchod bychom se ale m\u011bli p\u0159ipravovat i my sami a nespol\u00e9hat nejen na n\u00e1\u0161 st\u00e1t. V\u00edce si o tom m\u016f\u017eete p\u0159e\u010d\u00edst na D\u016fchod m\u00e1 b\u00fdt nejen od st\u00e1tu Nebankovn\u00ed hypot\u00e9ka. D\u016fchod se po\u010d\u00edt\u00e1 podle toho, kolik m\u00e1te odpracovan\u00fdch let, jak dlouho jste si platili soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed a samoz\u0159ejm\u011b tak\u00e9 podle toho, jakou mzdu jste b\u011bhem odpracovan\u00fdch let pob\u00edrali. Kdo pracoval v\u00fd\u0161e za v\u00edc pen\u011bz, bude m\u00edt lep\u0161\u00ed d\u016fchod ne\u017e ten, kter\u00fd pracoval m\u00e9n\u011b. Tak je to nastaven\u00e9 a je to pom\u011brn\u011b spravedliv\u00e9.Ale ur\u010dit\u011b byste m\u011bli i vy sami myslet na to, \u017ee d\u016fchod tu bude co nevid\u011bt a \u017ee byste se m\u011bli na n\u011bj zabezpe\u010dit. Jedna v\u011bc toti\u017e je dost\u00e1vat d\u016fchod od st\u00e1tu, ale druh\u00e1 v\u011bc mohou b\u00fdt ne\u010dekan\u00e9 v\u00fddaje, kter\u00e9 s postupuj\u00edc\u00edm v\u011bkem p\u0159ich\u00e1zej\u00ed. Mohou se objevit zdravotn\u00ed probl\u00e9my, na jejich\u017e l\u00e9\u010dbu budete pot\u0159ebovat pen\u00edze, nebo kv\u016fli nemocem bude pot\u0159eba ud\u011blat rekonstrukce m\u00edsta, kde bydl\u00edte, aby bylo pro v\u00e1s snaz\u0161\u00ed se v prostoru pohybovat. Mohou nastat r\u016fzn\u00e9 situace a je dobr\u00e9, kdy\u017e na n\u011b budete p\u0159ipraveni.Jak ale \u0161et\u0159it? Na d\u016fchod m\u016f\u017eete \u0161et\u0159it nap\u0159\u00edklad pomoc\u00ed penzijn\u00edho spo\u0159en\u00ed. Oz\u00fdv\u00e1 se mnoho n\u00e1zor\u016f, \u017ee toto spo\u0159en\u00ed se v dne\u0161n\u00ed dob\u011b ji\u017e v\u016fbec nevyplat\u00ed. Pokud v\u00e1m ale zam\u011bstnavatel na toto poji\u0161t\u011bn\u00ed p\u0159isp\u00edv\u00e1, ur\u010dit\u011b toho vyu\u017eijte a spo\u0159en\u00ed si zalo\u017ete. N\u011bkte\u0159\u00ed zam\u011bstnavatel\u00e9 p\u0159isp\u00edvaj\u00ed m\u011bs\u00ed\u010dn\u011b i tis\u00edc nebo v\u00edce korun, a pokud m\u00e1te tu mo\u017enost, pro\u010d ji nevyu\u017e\u00edt? Samoz\u0159ejm\u011b m\u016f\u017eete pak spo\u0159it i nap\u0159\u00edklad pomoc\u00ed investov\u00e1n\u00ed, kter\u00e9 je pr\u00e1v\u011b vhodn\u00e9, pokud chcete investovat pen\u00edze, kter\u00e9 budete pot\u0159ebovat a\u017e za p\u00e1r let. Ale je tu samoz\u0159ejm\u011b u\u017e riziko ztr\u00e1ty.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u011bli bychom spol\u00e9hat v d\u016fchodu jen na st\u00e1t?","item":"https:\/\/www.danima.cz\/meli-bychom-spolehat-v-duchodu-jen-na-stat\/#breadcrumbitem"}]}]