[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.paradni.cz\/jak-nejlepe-sporit-na-penzi\/#Article","mainEntityOfPage":"https:\/\/www.paradni.cz\/jak-nejlepe-sporit-na-penzi\/","headline":"Jak nejl\u00e9pe spo\u0159it na penzi","name":"Jak nejl\u00e9pe spo\u0159it na penzi","description":"Asi ka\u017ed\u00fd z\u00a0n\u00e1s sn\u00ed o tom, \u017ee a\u017e zest\u00e1rneme, budeme moci odej\u00edt v\u00a0pohod\u011b na penzi s\u00a0t\u00edm, \u017ee o n\u00e1s bude postar\u00e1no. Koneckonc\u016f, k\u00a0tomu p\u0159eci slou\u017e\u00ed starobn\u00ed d\u016fchod. Bohu\u017eel se ukazuje, \u017ee skute\u010dnost takov\u00e1 ani zdaleka nebude. Faktem je, \u017ee na\u0161e populace st\u00e1rne. To mimo jin\u00e9 tak\u00e9 znamen\u00e1, \u017ee na ka\u017ed\u00e9ho pracuj\u00edc\u00edho p\u0159ipadne v\u00edce d\u016fchodc\u016f. Zat\u00edmco […]","datePublished":"2023-11-28","dateModified":"2024-01-02","author":{"@type":"Person","@id":"https:\/\/www.paradni.cz\/author\/#Person","name":"","url":"https:\/\/www.paradni.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d2f205e1507a0401c7d467d32c87ccece0f63a45b81075bb691dbe8d4c823787?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"paradni.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.paradni.cz\/wp-content\/uploads\/art478049_1x1_20261002_164009_N4z01t.jpg","url":"https:\/\/www.paradni.cz\/wp-content\/uploads\/art478049_1x1_20261002_164009_N4z01t.jpg","height":0,"width":0},"url":"https:\/\/www.paradni.cz\/jak-nejlepe-sporit-na-penzi\/","about":["Pen\u00edze"],"wordCount":430,"articleBody":"\tAsi ka\u017ed\u00fd z\u00a0n\u00e1s sn\u00ed o tom, \u017ee a\u017e zest\u00e1rneme, budeme moci odej\u00edt v\u00a0pohod\u011b na penzi s\u00a0t\u00edm, \u017ee o n\u00e1s bude postar\u00e1no. Koneckonc\u016f, k\u00a0tomu p\u0159eci slou\u017e\u00ed starobn\u00ed d\u016fchod. Bohu\u017eel se ukazuje, \u017ee skute\u010dnost takov\u00e1 ani zdaleka nebude.\tFaktem je, \u017ee na\u0161e populace st\u00e1rne. To mimo jin\u00e9 tak\u00e9 znamen\u00e1, \u017ee na ka\u017ed\u00e9ho pracuj\u00edc\u00edho p\u0159ipadne v\u00edce d\u016fchodc\u016f. Zat\u00edmco nap\u0159\u00edklad na jednoho d\u016fchodce p\u0159ipadli \u010dty\u0159i pracuj\u00edc\u00ed, dnes je tomu naopak \u2013 na ka\u017ed\u00e9ho pracuj\u00edc\u00edho p\u0159ipadaj\u00ed \u010dty\u0159i lid\u00e9 v\u00a0d\u016fchodov\u00e9m v\u011bku. A je jasn\u00e9, \u017ee se to mus\u00ed nutn\u011b projevit.\tVzhledem k\u00a0tomu, \u017ee d\u016fchodov\u00e1 reforma, by\u0165 velmi pot\u0159ebn\u00e1, by byla zna\u010dn\u011b nepopul\u00e1rn\u00ed, je zat\u00edm v\u00a0podstat\u011b jedin\u00fdm pokusem o \u0159e\u0161en\u00ed tohoto probl\u00e9mu zvy\u0161ov\u00e1n\u00ed v\u011bku pro odchod do d\u016fchodu. Je v\u0161ak jasn\u00e9, \u017ee to nep\u016fjde donekone\u010dna. Proto je tak\u00e9 lidem \u010dasto \u0159\u00edk\u00e1no, aby si na svou penzi pokud mo\u017eno naspo\u0159ili sami. Ale jak?\tMo\u017enost\u00ed je zde pom\u011brn\u011b dost, av\u0161ak m\u016f\u017ee b\u00fdt pom\u011brn\u011b n\u00e1ro\u010dn\u00e9 se v\u00a0nich vyznat. Jednou z\u00a0t\u011bch bezpe\u010dn\u011bj\u0161\u00edch je klasick\u00e9 penzijn\u00ed spo\u0159en\u00ed. Zde m\u016f\u017eeme krom\u011b \u00farok\u016f nav\u00edc tak\u00e9 po\u010d\u00edtat s\u00a0p\u0159\u00edsp\u011bvkem od st\u00e1tu, tedy pokud si tam budeme m\u011bs\u00ed\u010dn\u011b ukl\u00e1dat ur\u010ditou minim\u00e1ln\u00ed \u010d\u00e1stku.\tProbl\u00e9m je, \u017ee v\u00fdnosy nejsou a\u017e takov\u00e9, a ona minim\u00e1ln\u00ed \u010d\u00e1stka pro dosa\u017een\u00ed na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky se neust\u00e1le zvy\u0161uje. V\u00fdhodou je v\u0161ak jistota na\u0161ich pen\u011bz a bezpe\u010dnost, nehled\u011b na to, \u017ee si je nem\u016f\u017eeme vybrat p\u0159edem, co\u017e n\u00e1s v\u00a0podstat\u011b chr\u00e1n\u00ed p\u0159ed impulzivn\u00edm jedn\u00e1n\u00edm.\t\tD\u00e1le je zde stavebn\u00ed spo\u0159en\u00ed. Zde plat\u00ed v\u00a0podstat\u011b to sam\u00e9, av\u0161ak doba, po kterou budeme spo\u0159it, je pon\u011bkud krat\u0161\u00ed.\tV\u00a0neposledn\u00ed \u0159ad\u011b jsou zde tak\u00e9 investice. U nich lze dos\u00e1hnout zdaleka nejvy\u0161\u0161\u00edch v\u00fdnos\u016f, av\u0161ak z\u00e1rove\u0148 tak\u00e9 je tu i nejvy\u0161\u0161\u00ed riziko, \u017ee o sv\u00e9 pen\u00edze p\u0159ijdeme. Proto je pot\u0159eba se m\u00edt na pozoru a dob\u0159e vyb\u00edrat, kterou mo\u017enost zvol\u00edme. Pokud toti\u017e vybereme dob\u0159e, budeme moci odej\u00edt do d\u016fchodu bez probl\u00e9mu v\u00a0rozumn\u00e9m v\u011bku, a to se bezesporu vyplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak nejl\u00e9pe spo\u0159it na penzi","item":"https:\/\/www.paradni.cz\/jak-nejlepe-sporit-na-penzi\/#breadcrumbitem"}]}]