[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.digoknu.cz\/budeme-mit-zajistene-stari\/#Article","mainEntityOfPage":"https:\/\/www.digoknu.cz\/budeme-mit-zajistene-stari\/","headline":"Budeme m\u00edt zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed?","name":"Budeme m\u00edt zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed?","description":"Co se d\u016fchod\u016f t\u00fdk\u00e1, je pr\u00fd u n\u00e1s st\u00e1le v\u00edce lid\u00ed, kte\u0159\u00ed st\u00e1tu ned\u016fv\u011b\u0159uj\u00ed. Co\u017e je dob\u0159e, by\u0165 z\u00e1rove\u0148 i \u0161patn\u011b. Jak se to vezme....","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.digoknu.cz\/author\/#Person","name":"","url":"https:\/\/www.digoknu.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"digoknu.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/img_a338805_w2687_t1551439838.jpg","url":"https:\/\/www.digoknu.cz\/wp-content\/uploads\/img_a338805_w2687_t1551439838.jpg","height":0,"width":0},"url":"https:\/\/www.digoknu.cz\/budeme-mit-zajistene-stari\/","about":["Finance"],"wordCount":621,"articleBody":"Co se d\u016fchod\u016f t\u00fdk\u00e1, je pr\u00fd u n\u00e1s st\u00e1le v\u00edce lid\u00ed, kte\u0159\u00ed st\u00e1tu ned\u016fv\u011b\u0159uj\u00ed. Co\u017e je dob\u0159e, by\u0165 z\u00e1rove\u0148 i \u0161patn\u011b. Jak se to vezme.\tJestli\u017ee toti\u017e nev\u011b\u0159\u00edme tomu, \u017ee se o n\u00e1s na star\u00e1 kolena postar\u00e1 ten, koho po cel\u00fd produktivn\u00ed v\u011bk \u017eiv\u00edme ze sv\u00fdch dan\u00ed, kdo by bez n\u00e1s a na\u0161ich pen\u011bz nemohl v\u016fbec existovat, jestli\u017ee je tolik na\u0161inc\u016f n\u00e1zoru, \u017ee je klidn\u011b nech\u00e1 i pom\u0159\u00edt hlady ten, kdo je od\u00edr\u00e1, tedy st\u00e1t, nen\u00ed to nikterak pot\u011b\u0161uj\u00edc\u00ed zji\u0161t\u011bn\u00ed. Pr\u00e1v\u011b naopak.\t\tOv\u0161em je dob\u0159e, \u017ee u\u017e je v na\u0161ich \u0159ad\u00e1ch pr\u00fd skoro milion lid\u00ed spo\u0159\u00edc\u00edch si v nov\u00fdch d\u016fchodov\u00fdch fondech. T\u011bch, kdo se pokou\u0161ej\u00ed zajistit si na st\u00e1\u0159\u00ed i n\u011bjak\u00e9 jin\u00e9 prost\u0159edky ne\u017e jenom ty, je\u017e jim milostiv\u011b pohod\u00ed st\u00e1t jako almu\u017enu za celo\u017eivotn\u00ed sna\u017een\u00ed.\tPo\u010det t\u011bch, kdo se vrhli na dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed pot\u00e9, co v roce 2013 zaniklo penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, u\u017e n\u00e1m vzrostl na 967000. D\u00e1 se tedy \u0159\u00edci, \u017ee skoro ka\u017ed\u00fd des\u00e1t\u00fd \u010cech s\u00e1z\u00ed i na toto zaji\u0161t\u011bn\u00ed st\u00e1\u0159\u00ed. A podle Asociace penzijn\u00edch spole\u010dnost\u00ed \u010cR u\u017e na\u0161inci do t\u00e9to formy spo\u0159en\u00ed nacpali na 42,7 miliardy K\u010d.\tS r\u016fzn\u00fdm efektem.\tV transformovan\u00fdch fondech p\u016fvodn\u00edho penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed, je\u017e jsou ji\u017e na\u0161inc\u016fm jednou prov\u017edy uzav\u0159en\u00e9, bylo na konci lo\u0148sk\u00e9ho roku st\u00e1le je\u0161t\u011b 3,5 milionu lid\u00ed a jejich 404,4 miliardy korun.\tA v dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed vzrostl po\u010det \u00fa\u010dastn\u00edk\u016f za lo\u0148sk\u00fd rok o 58700, tedy o sedmat\u0159icet procent.\t\t\u00da\u010dastnick\u00e9 fondy v\u0161ak tratily kv\u016fli poklesu hodnoty aktiv na akciov\u00fdch i dluhopisov\u00fdch trz\u00edch a nakonec tak ty konzervativn\u00ed prod\u011blaly 0,58 %, vyv\u00e1\u017een\u00e9 3,78 % a dynamick\u00e9 8,49 %. Co\u017e lze pro ut\u011b\u0161en\u00ed t\u011bch, kdo si v nich spo\u0159\u00ed, zkr\u00e1\u0161lit snad jedin\u011b t\u00edm, \u017ee tyto fondy nebyly ztr\u00e1tov\u00e9 v\u017edy a tak si ti, kdo v nich jsou od po\u010d\u00e1tku, p\u0159ilep\u0161ili v konzervativn\u00edch fondech v pr\u016fm\u011bru o 2,49 %, ve vyv\u00e1\u017een\u00fdch fondech o 7,65 % a ve fondech dynamick\u00fdch o 17,37 %.\tA\u010d dosud nejsou zn\u00e1ma zcela p\u0159esn\u00e1 \u010d\u00edsla, d\u00e1 se p\u0159edpokl\u00e1dat, \u017ee tyto fondy loni nezhodnotily pen\u00edze ani o inflaci.\tPo\u010det nov\u00fdch smluv rostl hlavn\u011b d\u00edky tomu, \u017ee neprob\u011bhly \u017e\u00e1dn\u00e9 z\u00e1sahy do sektoru penzijn\u00edho spo\u0159en\u00ed a lid\u00e9 tak z\u00edskali ur\u010ditou d\u016fv\u011bru. Ov\u0161em kv\u016fli turbulenc\u00edm na finan\u010dn\u00edch trz\u00edch na sv\u00e9 rozhodnut\u00ed doplatili. A je chabou \u00fat\u011bchou, \u017ee jde v p\u0159\u00edpad\u011b penzijn\u00edho spo\u0159en\u00ed o nejdostupn\u011bj\u0161\u00ed, nejbezpe\u010dn\u011bj\u0161\u00ed a nejv\u00fdnosn\u011bj\u0161\u00ed zp\u016fsob zaji\u0161t\u011bn\u00ed se na st\u00e1\u0159\u00ed. \u017de pr\u00e1v\u011b toto prod\u011ble\u010dn\u00e9 po\u010d\u00edn\u00e1n\u00ed je t\u00edm jednook\u00fdm kr\u00e1lem mezi slep\u00fdmi.\tZejm\u00e9na kdy\u017e vezmeme v potaz, \u017ee u\u017e nov\u00e9 fondy neru\u010d\u00ed za to, \u017ee nep\u0159iprav\u00ed lidi o pen\u00edze, je\u017e do nich vlo\u017eili, a \u017ee u\u017e se ani nebude vypl\u00e1cet polovina z naspo\u0159en\u00fdch pen\u011bz po patn\u00e1cti letech.\tTak\u017ee u n\u00e1s mo\u017en\u00e1 p\u016fjde spousta lid\u00ed v d\u016fchodu \u017eebrat. Navzdory tomu, \u017ee nacpe do sv\u00e9ho zaji\u0161t\u011bn\u00ed v\u0161e, co m\u016f\u017ee v produktivn\u00edm v\u011bku postr\u00e1dat.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Budeme m\u00edt zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed?","item":"https:\/\/www.digoknu.cz\/budeme-mit-zajistene-stari\/#breadcrumbitem"}]}]