[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.checkit.cz\/myslete-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.checkit.cz\/myslete-na-duchod\/","headline":"Myslete na d\u016fchod","name":"Myslete na d\u016fchod","description":"Na st\u00e1\u0159\u00ed m\u016f\u017eete za\u010d\u00edt spo\u0159it i v mlad\u0161\u00edm v\u011bku, rozhodn\u011b ne\u010dekejte a\u017e dosp\u011bjete k p\u0159edd\u016fchodov\u00e9mu v\u011bku. Mlad\u0161\u00edm ro\u010dn\u00edk\u016fm se doporu\u010duje ukl\u00e1dat \u010d\u00e1stku minim\u00e1ln\u011b t\u0159i sta korun \u010desk\u00fdch, i p\u0159i takto n\u00edzk\u00e9 \u010d\u00e1stce m\u00e1te n\u00e1rok na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, kter\u00fd je vypl\u00e1cen maxim\u00e1ln\u011b v \u010d\u00e1stce dv\u011b st\u011b t\u0159icet korun \u010desk\u00fdch. Pro ty, kte\u0159\u00ed cht\u011bj\u00ed d\u00e1vat stranou v\u00edce pen\u011bz, je pak v\u00fdhodn\u00e1 mo\u017enost […]","datePublished":"2020-10-10","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.checkit.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.checkit.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"checkit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.checkit.cz\/wp-content\/uploads\/img_a316229_w1761_t1527151121.jpg","url":"https:\/\/www.checkit.cz\/wp-content\/uploads\/img_a316229_w1761_t1527151121.jpg","height":0,"width":0},"url":"https:\/\/www.checkit.cz\/myslete-na-duchod\/","about":["Ekonomika"],"wordCount":433,"articleBody":"Na st\u00e1\u0159\u00ed m\u016f\u017eete za\u010d\u00edt spo\u0159it i v mlad\u0161\u00edm v\u011bku, rozhodn\u011b ne\u010dekejte a\u017e dosp\u011bjete k p\u0159edd\u016fchodov\u00e9mu v\u011bku. Mlad\u0161\u00edm ro\u010dn\u00edk\u016fm se doporu\u010duje ukl\u00e1dat \u010d\u00e1stku minim\u00e1ln\u011b t\u0159i sta korun \u010desk\u00fdch, i p\u0159i takto n\u00edzk\u00e9 \u010d\u00e1stce m\u00e1te n\u00e1rok na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, kter\u00fd je vypl\u00e1cen maxim\u00e1ln\u011b v \u010d\u00e1stce dv\u011b st\u011b t\u0159icet korun \u010desk\u00fdch. Pro ty, kte\u0159\u00ed cht\u011bj\u00ed d\u00e1vat stranou v\u00edce pen\u011bz, je pak v\u00fdhodn\u00e1 mo\u017enost da\u0148ov\u00e9ho odpo\u010dtu. N\u00e1rok na p\u0159\u00edsp\u011bvek od st\u00e1tu vznik\u00e1 po dosa\u017een\u00ed \u0161edes\u00e1ti m\u011bs\u00edc\u016f spo\u0159en\u00ed a \u0161edes\u00e1ti let v\u011bku.
 \u010c\u00e1stku, kterou budete m\u00edt u\u0161et\u0159enou, m\u016f\u017ee \u010derpat ve v\u011bku dosa\u017een\u00fdch 60 let. Pokud ale m\u00e1te v pl\u00e1nu je\u0161t\u011b n\u011bjak\u00fd ten rok danou \u010d\u00e1stku \u00faro\u010dit, je zde dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. Kone\u010dn\u00e1 \u010d\u00e1stka v\u010detn\u011b st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku pak m\u016f\u017ee slou\u017eit jako z\u00e1kladn\u00ed vklad pro dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed.
 Ide\u00e1ln\u00ed volbou je pro ty, kte\u0159\u00ed cht\u011bj\u00ed investovat a vytvo\u0159it si tak rezervu na hor\u0161\u00ed \u010dasy.Dopl\u0148kov\u00e9 penzijn\u00ed
 Podle individu\u00e1ln\u00edch pot\u0159eb a mo\u017enost\u00ed ho lze ud\u011blat tzv. na m\u00edru, volit m\u016f\u017eete mezi dynamickou nebo konzervativn\u00ed variantou s mo\u017enost\u00ed n\u00e1sledn\u00e9 zm\u011bny. Nev\u00fdhodou pro mlad\u0161\u00ed ro\u010dn\u00edky je to, \u017ee ho mohou vyu\u017e\u00edt pouze osoby star\u0161\u00ed 60 let. Naspo\u0159en\u00e1 \u010d\u00e1stka v p\u0159\u00edpad\u011b skonu je podle smlouvy vyplacena uveden\u00e9 doty\u010dn\u00e9 osob\u011b, pokud nen\u00ed smlouvou ur\u010deno, p\u0159\u00edpadn\u011b z\u00e1konn\u00fdm d\u011bdic\u016fm.
 Naspo\u0159en\u00e1 \u010d\u00e1stka se d\u00e1 \u010derpat i formou renty nebo jednor\u00e1zov\u011b. Jeliko\u017e m\u00e1 ka\u017ed\u00fd jin\u00e9 p\u0159edstavy a pl\u00e1ny, je dobr\u00e9 obr\u00e1tit se s nejasnostmi a dotazy na n\u011bkter\u00e9ho ze specialist\u016f v oboru penzijn\u00edho poradenstv\u00ed, s ochotou v\u00e1m nab\u00eddnou to prav\u00e9 p\u0159esn\u011b na m\u00edru.Kolik si d\u00e1vat stranou
 Pokud si chcete sami ud\u011blat alespo\u0148 p\u0159ibli\u017enou p\u0159edstavu, jak by mohlo va\u0161e spo\u0159en\u00ed na penzi vypadat, m\u016f\u017eete vyu\u017e\u00edt d\u016fchodovou kalkula\u010dku (jednodu\u0161e zad\u00e1te svoji pr\u016fm\u011brnou mzdu a zjist\u00edte p\u0159ibli\u017enou v\u00fd\u0161i penze), kter\u00e1 v\u00e1m umo\u017en\u00ed p\u0159ibli\u017en\u00fd n\u00e1hled, co se t\u00fdk\u00e1 v\u00fd\u0161e penze a toho, kolik by bylo dobr\u00e9 si p\u0159ispo\u0159ovat.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Myslete na d\u016fchod","item":"https:\/\/www.checkit.cz\/myslete-na-duchod\/#breadcrumbitem"}]}]