[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.yrtep.cz\/jak-si-nejlepe-zajistit-penize-na-stari\/#Article","mainEntityOfPage":"https:\/\/www.yrtep.cz\/jak-si-nejlepe-zajistit-penize-na-stari\/","headline":"Jak si nejl\u00e9pe zajistit pen\u00edze na st\u00e1\u0159\u00ed","name":"Jak si nejl\u00e9pe zajistit pen\u00edze na st\u00e1\u0159\u00ed","description":"Dne\u0161n\u00ed d\u016fchodov\u00fd syst\u00e9m je v\u00a0na\u0161\u00ed republice takzvan\u011b pr\u016fb\u011b\u017en\u00fd. To znamen\u00e1, \u017ee z\u00a0pen\u011bz, kter\u00e9 zam\u011bstnan\u00ed lid\u00e9 p\u0159isp\u00edvaj\u00ed prost\u0159ednictv\u00edm soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed, se vyplat\u00ed penze sou\u010dasn\u00fdm d\u016fchodc\u016fm. To bylo v\u00a0po\u0159\u00e1dku v\u00a0dob\u011b, kdy po\u010det pracuj\u00edc\u00edch zna\u010dn\u011b p\u0159evy\u0161oval po\u010det penzist\u016f. Dnes je v\u0161ak situace jin\u00e1, a s\u00a0klesaj\u00edc\u00ed porodnost\u00ed to bude \u010d\u00edm d\u00e1l hor\u0161\u00ed. Ji\u017e dnes je jasn\u00e9, \u017ee tento syst\u00e9m","datePublished":"2024-05-30","dateModified":"2024-05-30","author":{"@type":"Person","@id":"https:\/\/www.yrtep.cz\/author\/#Person","name":"","url":"https:\/\/www.yrtep.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"yrtep.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.yrtep.cz\/wp-content\/uploads\/duchod1_10_2.jpg","url":"https:\/\/www.yrtep.cz\/wp-content\/uploads\/duchod1_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.yrtep.cz\/jak-si-nejlepe-zajistit-penize-na-stari\/","about":["Ekonomika"],"wordCount":435,"articleBody":"Dne\u0161n\u00ed d\u016fchodov\u00fd syst\u00e9m je v\u00a0na\u0161\u00ed republice takzvan\u011b pr\u016fb\u011b\u017en\u00fd. To znamen\u00e1, \u017ee z\u00a0pen\u011bz, kter\u00e9 zam\u011bstnan\u00ed lid\u00e9 p\u0159isp\u00edvaj\u00ed prost\u0159ednictv\u00edm soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed, se vyplat\u00ed penze sou\u010dasn\u00fdm d\u016fchodc\u016fm. To bylo v\u00a0po\u0159\u00e1dku v\u00a0dob\u011b, kdy po\u010det pracuj\u00edc\u00edch zna\u010dn\u011b p\u0159evy\u0161oval po\u010det penzist\u016f. Dnes je v\u0161ak situace jin\u00e1, a s\u00a0klesaj\u00edc\u00ed porodnost\u00ed to bude \u010d\u00edm d\u00e1l hor\u0161\u00ed. Ji\u017e dnes je jasn\u00e9, \u017ee tento syst\u00e9m nen\u00ed udr\u017eiteln\u00fd. Jist\u011b, politici se jej sna\u017e\u00ed alespo\u0148 \u010d\u00e1ste\u010dn\u011b zachra\u0148ovat zvy\u0161ov\u00e1n\u00edm v\u011bku odchodu do d\u016fchodu, jen\u017ee ani to nen\u00ed \u0159e\u0161en\u00ed.\u00a0Je tedy jasn\u00e9, \u017ee pokud dne\u0161n\u00ed mlad\u00ed cht\u011bj\u00ed m\u00edt d\u016fstojnou penzi, mus\u00ed se spolehnout sami na sebe. Ze sv\u00e9ho platu si na\u0161et\u0159it dostatek pen\u011bz na to, aby dok\u00e1zali ve st\u00e1\u0159\u00ed d\u016fstojn\u011b \u017e\u00edt \u2013 je toti\u017e jasn\u00e9, \u017ee st\u00e1tn\u00ed penze st\u011b\u017e\u00ed pokryje ty nejz\u00e1kladn\u011bj\u0161\u00ed pot\u0159eby, a to je\u0161t\u011b kdov\u00ed jestli. Na\u0161t\u011bst\u00ed existuje hned n\u011bkolik zp\u016fsob\u016f.\u00a0\u00a0Jedn\u00edm z\u00a0nich je klasick\u00e9 penzijn\u00ed spo\u0159en\u00ed, kter\u00e9 nab\u00edz\u00ed mnoh\u00e9 finan\u010dn\u00ed instituce, a\u0165 u\u017e jde o banky \u010di poji\u0161\u0165ovny. To je pom\u011brn\u011b bezpe\u010dn\u00e1 cesta, nebo\u0165 se nemus\u00edte b\u00e1t ztr\u00e1ty pen\u011bz. Jednodu\u0161e si tam ka\u017ed\u00fd m\u011bs\u00edc odkl\u00e1d\u00e1te ur\u010ditou \u010d\u00e1stku, a \u010d\u00e1st v\u00e1m tak\u00e9 p\u0159isp\u00edv\u00e1 st\u00e1t. Probl\u00e9m je, \u017ee st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky se neust\u00e1le sni\u017euj\u00ed, a rozhodn\u011b tak nepokryj\u00ed inflaci. Nakonec tak po jej\u00edm zapo\u010dten\u00ed dostanete m\u00e9n\u011b, ne\u017e jste tam vlo\u017eili. Je pak ot\u00e1zkou, zda v\u00e1m i tato \u010d\u00e1stka bude sta\u010dit.\u00a0\u00a0Dal\u0161\u00ed mo\u017enost\u00ed jsou spo\u0159ic\u00ed \u00fa\u010dty, nab\u00edzen\u00e9 mnoha bankami. Jejich v\u00fdhodou je vysok\u00fd \u00farok, av\u0161ak i zde je h\u00e1\u010dek \u2013 toto \u00faro\u010den\u00ed je pouze po ur\u010ditou \u010d\u00e1stku. Jakmile ji p\u0159ekro\u010d\u00edte a m\u00e1te na n\u011bm v\u00edce, \u00farok se dramaticky sni\u017euje. A jeliko\u017e na d\u016fchod si pot\u0159ebujete naspo\u0159it opravdu hodn\u011b, je jasn\u00e9, \u017ee po v\u011bt\u0161inu doby se bude \u00faro\u010dit n\u00ed\u017ee, co\u017e je op\u011bt probl\u00e9m vzhledem k\u00a0inflaci.\u00a0V\u00a0neposledn\u00ed \u0159ad\u011b je tu investov\u00e1n\u00ed, av\u0161ak to je pom\u011brn\u011b riskantn\u00ed. Existuje toti\u017e skute\u010dn\u011b velk\u00e1 pravd\u011bpodobnost, \u017ee o sv\u00e9 pen\u00edze p\u0159ijdete, zvl\u00e1\u0161t\u011b pokud jste za\u010d\u00e1te\u010dn\u00edci. Rozhodn\u011b se tedy nehod\u00ed pro v\u0161echny.                                                                                                                                                                                                                                                                                                                                                                                                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