{"id":1385,"date":"2019-04-10T12:24:30","date_gmt":"2019-04-10T11:24:30","guid":{"rendered":"https:\/\/www.bohatytata.cz\/?p=1385"},"modified":"2019-04-25T20:30:47","modified_gmt":"2019-04-25T19:30:47","slug":"je-vyhodne-penzijni-pripojisteni","status":"publish","type":"post","link":"https:\/\/www.bohatytata.cz\/index.php\/2019\/04\/10\/je-vyhodne-penzijni-pripojisteni\/","title":{"rendered":"Je v\u00fdhodn\u00e9 platit penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed?"},"content":{"rendered":"

Sly\u0161\u00edme to ze v\u0161ech stran. A\u0165 je v\u00e1m 20 nebo 40 let, nebude na va\u0161e d\u016fchody. Je pot\u0159ebn\u00e1 penzijn\u00ed reforma, platit si penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed a to v\u0161e nejl\u00e9pe hned a na hodn\u011b dlouho. Kdy\u017e vysly\u0161\u00edme tyto v\u00fdzvy, v d\u016fchodu n\u00e1s \u010dek\u00e1 jachta a Karibik. Vid\u00edm to \u00fapln\u011b jinak.<\/strong><\/span><\/p>\n

Nejd\u0159\u00edve se pod\u00edvejme na to, jak\u00e1 je v sou\u010dasn\u00e9 dob\u011b situace na\u0161ich senior\u016f. D\u016fchod<\/strong>, nazvu to st\u00e1tn\u00ed d\u016fchod, je m\u011bs\u00ed\u010dn\u011b vypl\u00e1cen\u00e1 \u010d\u00e1stka podle v\u00fdd\u011blku a odpracovan\u00fdch let. Nebudu se vyjad\u0159ovat k tomu, zda je jeho v\u00fd\u0161e dostate\u010dn\u00e1 \u010di nikoli nebo zda by m\u011bla b\u00fdt p\u0159\u00edm\u00e1 \u00fam\u011bra mezi d\u016fchodem a p\u0159edchoz\u00edm v\u00fdd\u011blkem. To je politick\u00e9 t\u00e9ma, kter\u00e9mu se zde nev\u011bnuji. Zam\u011b\u0159uji se na finan\u010dn\u00ed pohled. \u010c\u00e1st senior\u016f k d\u016fchodu \u010derp\u00e1 jednor\u00e1zov\u011b nebo m\u011bs\u00ed\u010dn\u011b vypl\u00e1cenou rentu z penzijn\u00edho spo\u0159en\u00ed, kter\u00e9 si dobrovoln\u011b zalo\u017eili a spo\u0159ili. Mohli si na takov\u00fd \u00fa\u010det spo\u0159it sami nebo s podporou zam\u011bstnavatele. Pokud si dne\u0161n\u00ed senio\u0159i spo\u0159ili do penzijn\u00edho fondu, m\u011bli mo\u017enost vyu\u017e\u00edt st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku ve v\u00fd\u0161i cca 100 korun m\u011bs\u00ed\u010dn\u011b. Pokud senior za\u010dal 5 let p\u0159ed sv\u00fdm odchodem do penze, tak \u010derp\u00e1 po dobu 5 let svoje \u00faspory, kter\u00e9 tam vlo\u017eil a cca 100 korun k tomu. Kdy\u017e se rozhodl pro v\u00fdplatu na v\u00edce let, tak si krom\u011b sv\u00fdch \u00faspor „pom\u016f\u017ee“ nap\u0159. 20 K\u010d m\u011bs\u00ed\u010dn\u011b. \u00a0Tuto „v\u00fdhodnou“ nab\u00eddku znali v\u0161ichni, kdo si za\u010dali spo\u0159it p\u00e1r let p\u0159ed penz\u00ed, ale v\u011bt\u0161inou to bylo – a podle m\u00e9ho n\u00e1zoru velmi spr\u00e1vn\u011b – pova\u017eov\u00e1no za v\u00fdhodn\u00e9 \u00faro\u010den\u00ed odlo\u017een\u00fdch 500 korun m\u011bs\u00ed\u010dn\u011b. Podle m\u00fdch zku\u0161enost\u00ed si tak\u00e9 v\u011bt\u0161ina vybrala jednor\u00e1zov\u00e9 vyplacen\u00ed.<\/p>\n

Resum\u00e9 \u010d\u00edslo 1 – kdyby mi chyb\u011blo p\u00e1r let do penze, na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed bych se vyka\u0161lal.<\/strong><\/h4>\n
\"Je
\u010cas jsou pen\u00edze<\/figcaption><\/figure>\n

Pod\u00edvejme se na mlad\u0161\u00ed ro\u010dn\u00edky. V sou\u010dasn\u00e9 dob\u011b jsou 2 varianty penzijka<\/em>, kter\u00e9 m\u016f\u017ee m\u00edt \u010dlov\u011bk v produktivn\u00edm v\u011bku. Popisovat zde n\u00e1zvy I.II. nebo III. pil\u00ed\u0159, kter\u00fd a jak byl ozna\u010den v kter\u00e9m \u010dasov\u00e9m obdob\u00ed a kter\u00fd byl vl\u00e1dou zaveden a dal\u0161\u00ed vl\u00e1dou zru\u0161en, by ze v\u0161eho ud\u011blalo zmatek. Nazvu je podle sebe.<\/p>\n

Varianta prvn\u00ed<\/strong> – do roku 2012 jsme m\u011bli mo\u017enost uzav\u0159\u00edt si penzijko se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem. Fondy, kter\u00e9 spravovaly finance vkladatel\u016f, musely generovat zisk a investovat do bezpe\u010dn\u00fdch aktiv.<\/p>\n

Varianta druh\u00e1<\/strong> – od roku 2013 si m\u016f\u017ee st\u0159adatel vybrat konzervativn\u00ed \/ bezpe\u010dn\u011bj\u0161\u00ed \/ nebo dynamickou \/mo\u017en\u00e1 m\u00e9n\u011b bezpe\u010dnou, ale v\u00fdnosn\u011bj\u0161\u00ed \/ strategii, jak chce aby byly jeho prost\u0159edky zhodnocov\u00e1ny.<\/p>\n

Pro vyplacen\u00ed naspo\u0159en\u00e9 \u010d\u00e1stky + st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky + zhodnocen\u00ed a to bez sankc\u00ed, je pot\u0159eba splnit dv\u011b podm\u00ednky. Spo\u0159en\u00ed alespo\u0148 5 let a minim\u00e1ln\u011b do 60 let v\u011bku. M\u016fj popis je zjednodu\u0161en\u00fd, detaily lze dohledat na internetu.<\/p>\n

Je mi mezi 25 – 50 lety, zam\u011bstnavatel mi nep\u0159isp\u00edv\u00e1, m\u00e1 smysl spo\u0159it v penzijn\u00edm fondu? \u00a0<\/strong>Ka\u017ed\u00fd m\u011bs\u00edc vlo\u017e\u00edme \u010d\u00e1st sv\u00e9ho p\u0159\u00edjmu do fondu. St\u00e1t n\u00e1m p\u0159isp\u011bje a v\u00fdhodou je dlouh\u00e1 doba, po kterou m\u016f\u017eeme takto zhodnocovat finance. St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek je 90 korun, pokud je n\u00e1\u0161 vklad aspo\u0148 300 m\u011bs\u00ed\u010dn\u011b a roste a\u017e do 230 korun, pokud si spo\u0159\u00edme 1.000 K\u010d m\u011bs\u00ed\u010dn\u011b. Skv\u011bl\u00fdch 23% jak jsem se do\u010detl na netu. Doporu\u010dil bych tuto variantu?<\/p>\n

Resum\u00e9 \u010d\u00edslo 2 – pokud m\u00e1m mnoho let do penze a zam\u011bstnavatel mi nep\u0159isp\u00edv\u00e1, na tento zp\u016fsob spo\u0159en\u00ed bych se vyka\u0161lal.<\/strong><\/h4>\n

Ano, dlu\u017e\u00edm zde vysv\u011btlen\u00ed. Nejsem fanda investi\u010dn\u00edch fond\u016f, d\u016fvod jsem ji\u017e psal d\u0159\u00edve v jin\u00e9m \u010dl\u00e1nku. Pokud m\u00e1m m\u011bs\u00ed\u010dn\u011b odkl\u00e1dat 300 – 1.000 korun, rad\u011bji je d\u00e1m do mnou zvolen\u00e9ho investi\u010dn\u00edho fondu, jestli nechci hledat jin\u00e9 mo\u017enosti. Pro\u010d? Nemus\u00edm \u010dekat do 60 let na v\u00fdplatu, abych nep\u0159i\u0161el o st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky. Zhodnocen\u00ed vkladu, kter\u00e9 zvl\u00e1dne penzijn\u00ed fond, mi se stejn\u00fdm rizikem i zhodnocen\u00edm nab\u00eddne investi\u010dn\u00ed fond. A pro\u010d nechci \u010dekat do 60 let na \u00fa\u017easn\u00fdch 23% zhodnocen\u00ed ze st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku?<\/p>\n

    \n
  • poplatek<\/strong> – 0,4 % a\u017e 1 % z celkov\u00e9 \u010d\u00e1stky za spr\u00e1vu a 10% a\u017e 15% \u00a0ze zisku. V \u0159e\u010di \u010d\u00edsel, pokud spo\u0159\u00edte 1.000 korun m\u011bs\u00ed\u010dn\u011b, za prvn\u00ed rok m\u00e1te 12.000 a poplatek 48 – 120 korun. To n\u00e1m 230 korun m\u011bs\u00ed\u010dn\u011b od st\u00e1tu bohat\u011b vynahrad\u00ed. Ale co t\u0159eba po 10 letech? Zjednodu\u0161en\u011b \u0159e\u010deno, m\u00e1me naspo\u0159eno 120.000 a poplatek 480 – 1.200 korun?<\/li>\n
  • zhodnocen\u00ed<\/strong> – za rok 2018 \u017e\u00e1dn\u00fd nep\u0159ekonal inflaci a v\u011bt\u0161ina skon\u010dila v z\u00e1porn\u00e9m zhodnocen\u00ed<\/li>\n<\/ul>\n
    \"Vyplat\u00ed
    Bude na penze?<\/figcaption><\/figure>\n

    Je mi mezi 25 – 50 lety, zam\u011bstnavetel mi p\u0159isp\u00edv\u00e1, m\u00e1 smysl spo\u0159it v penzijn\u00edm fondu?<\/strong><\/p>\n

    Resum\u00e9 \u010d\u00edslo 3 – ano, pokud mi zam\u011bstnavatel p\u0159isp\u00edv\u00e1, vyu\u017eil bych toho.<\/strong><\/h4>\n

    Zvolil bych konzervativn\u00ed strategii, ukl\u00e1dal m\u011bs\u00ed\u010dn\u011b takovou \u010d\u00e1stku, abych dostal maxim\u00e1ln\u00ed p\u0159\u00edsp\u011bvek od zam\u011bstnavatele a spo\u0159il do doby, dokud mi zam\u011bstnavatel p\u0159isp\u00edv\u00e1. Ve chv\u00edli, kdy takov\u00fd p\u0159\u00edsp\u011bvek skon\u010d\u00ed, vybral bych naspo\u0159en\u00e9 pen\u00edze. Sice bez st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f, mo\u017en\u00e1 s mal\u00fdm zhodnocen\u00edm, ale ur\u010dit\u011b dost nad inflac\u00ed, d\u00edky zam\u011bstnavateli a s relativn\u011b men\u0161\u00edmi poplatky, proto\u017ee je p\u0159edpoklad, \u017ee spo\u0159\u00edm m\u00e9n\u011b ne\u017e 1.000 m\u011bs\u00ed\u010dn\u011b. Po ukon\u010den\u00ed, d\u0159\u00edve ne\u017e ve v\u011bku \u00a060 let, mi budou zdan\u011bny zisky a p\u0159\u00edsp\u011bvky zam\u011bstnavatele 15% a dostanu je s m\u00fdmi \u00fasporami.<\/p>\n

    M\u00e1 smysl spo\u0159it si na penzi? Ano.<\/strong><\/p>\n

    Bez ohledu na to, jestli v dob\u011b odchodu do penze budeme od st\u00e1tu dost\u00e1vat m\u00e9n\u011b \u010di v\u00edce pen\u011bz, jist\u011b se vyplat\u00ed m\u00edt n\u011bjakou svoji finan\u010dn\u00ed rezervu. Jak\u00e9 jsou mo\u017enosti? Sta\u010d\u00ed se pod\u00edvat zde na moje \u010dl\u00e1nky. Stavebn\u00ed spo\u0159en\u00ed, mikronemovitosti, vlastn\u00ed bydlen\u00ed, akcie, zlato … Nepot\u0159ebujeme platit n\u011bkomu za to, \u017ee vlo\u017e\u00ed na\u0161e pen\u00edze do fondu, kde je m\u016f\u017eeme vlo\u017eit sami.\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

    Sly\u0161\u00edme to ze v\u0161ech stran. A\u0165 je v\u00e1m 20 nebo 40 let, nebude na va\u0161e d\u016fchody. Je pot\u0159ebn\u00e1 penzijn\u00ed reforma, platit si penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed a to v\u0161e nejl\u00e9pe hned a na hodn\u011b dlouho. Kdy\u017e vysly\u0161\u00edme tyto v\u00fdzvy, v d\u016fchodu n\u00e1s<\/p>\n","protected":false},"author":1,"featured_media":1444,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"yoast_head":"\nJe v\u00fdhodn\u00e9 platit penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed? - Bohat\u00fd t\u00e1ta<\/title>\n<meta name=\"description\" content=\"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je jedn\u00edm z dobr\u00fdch zp\u016fsob\u016f spo\u0159en\u00ed a investov\u00e1n\u00ed. M\u00e1 to jednu d\u016fle\u017eitou podm\u00ednku. 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