{"id":106607,"date":"2026-06-03T23:06:05","date_gmt":"2026-06-03T23:06:05","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/106607\/"},"modified":"2026-06-03T23:06:05","modified_gmt":"2026-06-03T23:06:05","slug":"do-duchodu-s-jednim-a-pul-milionem-schillerova-rozjizdi-revoluci-v-penzijnim-sporeni","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/106607\/","title":{"rendered":"Do d\u016fchodu s jedn\u00edm a p\u016fl milionem. Schillerov\u00e1 rozj\u00ed\u017ed\u00ed revoluci v penzijn\u00edm spo\u0159en\u00ed"},"content":{"rendered":"

Samostatnou p\u0159\u00edpravu lid\u00ed na nev\u00fdd\u011ble\u010dnou f\u00e1zi \u017eivota se st\u00e1tn\u00ed podporou \u010dekaj\u00ed po v\u00edce ne\u017e deseti letech p\u0159evratn\u00e9 zm\u011bny. Vyd\u011blat na nich maj\u00ed p\u0159edev\u0161\u00edm nov\u00ed \u00fa\u010dastn\u00edci d\u016fchodov\u00e9ho spo\u0159en\u00ed do 29 let v\u010detn\u011b d\u011bt\u00ed. U nich bude samoz\u0159ejm\u011b z\u00e1le\u017eet na tom, zda je rodi\u010de \u010di prarodi\u010de do produktu zapoj\u00ed.\u00a0<\/p>\n

Naopak zna\u010dn\u00fd pokles dosavadn\u00edho profitu \u010dek\u00e1 v\u0161ech dev\u011bt penzijn\u00edch spole\u010dnost\u00ed na \u010desk\u00e9m trhu. N\u011bkter\u00e9 mohou skon\u010dit, varovalo jejich z\u00e1jmov\u00e9 sdru\u017een\u00ed.\u00a0<\/p>\n

\u010cty\u0159i pil\u00ed\u0159e reformy<\/p>\n

Reforma \u0161\u00e9fky st\u00e1tn\u00ed kasy Aleny Schillerov\u00e9 (ANO) m\u00e1 \u010dty\u0159i pil\u00ed\u0159e. Je to razantn\u00ed sn\u00ed\u017een\u00ed poplatk\u016f penzijn\u00edch spole\u010dnost\u00ed<\/a> v kombinaci s pos\u00edlen\u00edm bonus\u016f od st\u00e1tu, by\u0165 zva\u017eovan\u00fd jednor\u00e1zov\u00fd motiva\u010dn\u00ed p\u0159\u00edsp\u011bvek ve v\u00fd\u0161i 30 tis\u00edc korun spadl pod st\u016fl. Velmi d\u016fle\u017eitou roli m\u00e1 sehr\u00e1t tak\u00e9 odv\u00e1\u017en\u011bj\u0161\u00ed spo\u0159en\u00ed mlad\u00fdch<\/a>. M\u00e1 b\u00fdt v\u00edce investorsk\u00e9, zam\u011b\u0159\u00ed se sp\u00ed\u0161e na akcie. Posledn\u00edm krokem bude definitivn\u00ed z\u00e1nik star\u00fdch a nev\u00fdnosn\u00fdch transformovan\u00fdch fond\u016f, do nich\u017e u\u017e od roku 2013 nelze vstupovat. Skon\u010dit maj\u00ed za deset let.\u00a0<\/p>\n

Zcela z\u00e1sadn\u00ed je podle Schillerov\u00e9 osek\u00e1n\u00ed poplatk\u016f, kter\u00e9 si \u00fa\u010dtuj\u00ed penzijn\u00ed spole\u010dnosti. \u201eHeslem je pen\u00edze lidem, ne bank\u00e1m. Sn\u00ed\u017een\u00ed poplatk\u016f se jim l\u00edbit nebude. Ale porad\u00ed si s n\u00edm, jako si v minulosti poradily s poklesem poplatk\u016f u b\u011b\u017en\u00fdch bankovn\u00edch slu\u017eeb,\u201c \u0159ekla.\u00a0<\/p>\n

Nyn\u00ed m\u00e1 v\u011bt\u0161ina \u00fa\u010dastn\u00edk\u016f v 65 letech naspo\u0159eno n\u011bco p\u0159es jeden milion korun. Nov\u011b maj\u00ed odch\u00e1zet do penze s v\u00edce ne\u017e 1,6 milionu, p\u0159i\u010dem\u017e tato odhadovan\u00e1 \u010d\u00e1stka je podle ministryn\u011b financ\u00ed o\u010di\u0161t\u011bna o inflaci.\u00a0<\/p>\n

\"Star\u00e9<\/a>Star\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je k\u00a0ni\u010demu, zjistila vl\u00e1da. Prod\u011bl\u00e1v\u00e1 st\u00e1tu, lidem i\u00a0bank\u00e1m<\/a><\/p>\n

C\u00edlem reformy je, aby v takzvan\u00e9m t\u0159et\u00edm d\u016fchodov\u00e9m pil\u00ed\u0159i byl do budoucna jeden milion lid\u00ed mlad\u0161\u00edch t\u0159iceti let. V sou\u010dasnosti m\u00e1 penzijn\u00ed spo\u0159en\u00ed 430 tis\u00edc \u00fa\u010dastn\u00edk\u016f t\u00e9to v\u011bkov\u00e9 kategorie.\u00a0<\/p>\n

N\u00e1vrhy zm\u011bn nyn\u00ed \u010dek\u00e1 \u0161ir\u0161\u00ed p\u0159ipom\u00ednkov\u00e9 \u0159\u00edzen\u00ed, do kter\u00e9ho se v uzav\u0159en\u00e9 f\u00e1zi zapoj\u00ed ministerstva a rovn\u011b\u017e \u010cNB. Ve ve\u0159ejn\u00e9m kole se pak vyj\u00e1d\u0159\u00ed odborn\u00e1 ve\u0159ejnost, tedy i spr\u00e1vci penzijn\u00edch fond\u016f spadaj\u00edc\u00edch pod velk\u00e9 banky. N\u00e1sledn\u011b reformu posoud\u00ed Poslaneck\u00e1 sn\u011bmovna a Sen\u00e1t. Kabinet p\u0159edpokl\u00e1d\u00e1 platnost upraven\u00fdch paragraf\u016f od ledna, term\u00edn se v\u0161ak m\u016f\u017ee vzhledem k chystan\u00fdm negativn\u00edm dopad\u016fm na finan\u010dn\u00ed \u00fastavy i legislativn\u00edmu procesu v parlamentu posunout.\u00a0<\/p>\n

Jen jeden poplatek<\/p>\n

Zat\u00edmco nyn\u00ed si penzijn\u00ed spole\u010dnosti \u00fa\u010dtuj\u00ed u nov\u00fdch \u00fa\u010dastnick\u00fdch fond\u016f a\u017e jedno procento za spr\u00e1vu prost\u0159edk\u016f a nev\u00fd\u0161e 15 procent za jejich zhodnocen\u00ed, nov\u011b m\u00e1 poplatek za spr\u00e1vu klesnout na 0,5 procenta a poplatek za zhodnocen\u00ed spadnout na nulu.\u00a0<\/p>\n

\u201eSn\u00ed\u017een\u00ed poplatk\u016f banky a penzijn\u00ed spole\u010dnosti poc\u00edt\u00ed, ale vy\u0161\u0161\u00ed v\u00fdnosy zp\u016fsoben\u00e9 p\u0159\u00edlivem nov\u00fdch \u00fa\u010dastn\u00edk\u016f jim to vynahrad\u00ed. D\u016fchodov\u00e9 spo\u0159en\u00ed slou\u017e\u00ed pro zaji\u0161t\u011bn\u00ed lid\u00ed na st\u00e1\u0159\u00ed, ne aby bank\u00e1m p\u0159ihr\u00e1valo zisk. Ten dnes \u010din\u00ed p\u0159es 50 procent p\u0159ed zdan\u011bn\u00edm,\u201c argumentuje Schillerov\u00e1. St\u00e1t aktu\u00e1ln\u011b podporuje d\u016fchodov\u00e9 spo\u0159en\u00ed 18 miliardami korun ro\u010dn\u011b a mus\u00ed proto podle ministryn\u011b po\u017eadovat maxim\u00e1ln\u00ed efektivitu. \u201eM\u00e1me nejvy\u0161\u0161\u00ed poplatky v EU,\u201c dodala.\u00a0<\/p>\n

Podle Asociace penzijn\u00edch spole\u010dnost\u00ed v\u0161ak sn\u00ed\u017een\u00ed zejm\u00e9na spr\u00e1vn\u00edho poplatku povede ke zna\u010dn\u00e9 nerovnov\u00e1ze mezi p\u0159\u00edjmy a n\u00e1klady. \u201eNutn\u00e9 n\u00e1klady, kter\u00e9 za uplynul\u00fdch deset let v pr\u016fm\u011bru \u010din\u00ed 0,82 procenta, by poplatkem za spr\u00e1vu nebylo mo\u017en\u00e9 pokr\u00fdt ani z poloviny,\u201c upozornil \u0161\u00e9f APS Radek Moc.\u00a0<\/p>\n

V\u00fdsledkem by byla ekonomick\u00e1 neudr\u017eitelnost d\u016fchodov\u00e9ho spo\u0159en\u00ed ve st\u00e1vaj\u00edc\u00ed podob\u011b. \u201eMen\u0161\u00ed spole\u010dnosti, jejich\u017e n\u00e1kladovost je nad zm\u00edn\u011bn\u00fdm pr\u016fm\u011brem, by pak byly zasa\u017eeny je\u0161t\u011b v\u00fdrazn\u011bji,\u201c dodal Moc. Z\u00e1jmov\u00e9 sdru\u017een\u00ed bude podle n\u011bj ve v\u0161ech f\u00e1z\u00edch p\u0159\u00edpravy reformy nad\u00e1le prosazovat diskuzi zalo\u017eenou na re\u00e1ln\u00fdch mo\u017enostech sektoru.\u00a0<\/p>\n

Bonusy tak\u00e9 pro d\u011bti<\/p>\n

Vl\u00e1da hodl\u00e1 v\u00edce motivovat nejen dvac\u00e1tn\u00edky, ale i \u0161kol\u00e1ky nebo novorozence, p\u0159esn\u011bji jejich z\u00e1konn\u00e9 z\u00e1stupce. Zm\u011bny jim umo\u017en\u00ed p\u0159ihl\u00e1sit d\u011bti k nov\u00e9 a v\u00fdhodn\u011bj\u0161\u00ed form\u011b ukl\u00e1d\u00e1n\u00ed pen\u011bz.\u00a0<\/p>\n

P\u0159i spo\u0159en\u00ed u d\u011bt\u00ed se m\u00e1 sn\u00ed\u017eit hranice minim\u00e1ln\u00edho vkladu pro p\u0159izn\u00e1n\u00ed st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku z 500 na 100 korun m\u011bs\u00ed\u010dn\u011b. A z\u00e1rove\u0148 by se pro klienty do 29 let m\u011bla zdvojn\u00e1sobit st\u00e1tn\u00ed podpora na 40 procent vlo\u017een\u00e9 \u010d\u00e1stky. Schillerov\u00e1 vy\u010d\u00edslila, \u017ee pro st\u00e1tn\u00ed rozpo\u010det to bude znamenat 1,2 miliardy korun ro\u010dn\u011b nav\u00edc.\u00a0<\/p>\n

\u00da\u010dastn\u00edci budou tak\u00e9 moci do dosa\u017een\u00ed 36 let jednor\u00e1zov\u011b vybrat z penzijn\u00edho spo\u0159en\u00ed t\u0159etinu sv\u00fdch \u00faspor, ani\u017e by p\u0159i\u0161li o st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky nebo museli \u010d\u00e1stku dodate\u010dn\u011b zdanit.\u00a0<\/p>\n

Odv\u00e1\u017en\u011bj\u0161\u00ed spo\u0159en\u00ed<\/p>\n

Dal\u0161\u00edm opat\u0159en\u00edm je automatick\u00e9 sm\u011brov\u00e1n\u00ed nov\u00fdch \u00fa\u010dastn\u00edk\u016f penzijn\u00edho spo\u0159en\u00ed do v\u00fdnosn\u011bj\u0161\u00edch, ale i rizikov\u011bj\u0161\u00edch investic<\/a>,\u00a0p\u0159i\u010dem\u017e pro konzervativn\u011bj\u0161\u00ed a bezpe\u010dn\u011bj\u0161\u00ed variantu zhodnocov\u00e1n\u00ed \u00faspor se budou muset rozhodnout sami. Jde o takzvanou strategii \u017eivotn\u00edho cyklu. Jej\u00edm c\u00edlem je, aby lid\u00e9 nez\u016fst\u00e1vali po celou dobu pouze v jednom typu fondu.\u00a0<\/p>\n

Z dat penzijn\u00edch spole\u010dnost\u00ed plyne, \u017ee i velmi mlad\u00ed \u010dasto vol\u00ed um\u00edrn\u011bn\u011bj\u0161\u00ed zp\u016fsob spo\u0159en\u00ed, kter\u00fd \u010dasto vyrovn\u00e1 inflaci nebo ji jen m\u00edrn\u011b p\u0159ekra\u010duje. Tito \u00fa\u010dastn\u00edci tak zbyte\u010dn\u011b p\u0159ich\u00e1zej\u00ed o pen\u00edze. Nap\u0159\u00edklad dynamick\u00e9 fondy s pod\u00edlem akci\u00ed m\u011bly minul\u00fd rok pr\u016fm\u011brn\u00fd v\u00fdnos 16,5 procenta, za celou uplynulou dek\u00e1du vyd\u011blaly 7,15 procenta.\u00a0<\/p>\n

Oproti tomu pades\u00e1tn\u00edci by m\u011bli b\u00fdt uv\u00e1\u017eliv\u011bj\u0161\u00ed a s bl\u00ed\u017e\u00edc\u00edm se seniorsk\u00fdm v\u011bkem s\u00e1zet sp\u00ed\u0161e na jistotu. P\u0159esunuli by se tedy do vyv\u00e1\u017een\u00e9ho nebo \u00fapln\u011b konzervativn\u00edho fondu, aby si objem dosa\u017een\u00fdch \u00faspor zachovali a zhodnocovali je m\u00e9n\u011b dynamicky.<\/p>\n

V\u0161echny popsan\u00e9 zm\u011bny maj\u00ed Schillerov\u00e9 zatraktivnit penzijn\u00ed spo\u0159en\u00ed pro mlad\u00e9 lidi a pomoct jim dos\u00e1hnout na vy\u0161\u0161\u00ed rentu ke st\u00e1tn\u00edmu d\u016fchodu.\u00a0\u00a0<\/p>\n

\"M\u011bla<\/a>M\u011bla zhodnotit pen\u00edze mlad\u00fdch, m\u016f\u017ee ale zkrachovat. Reforma d\u016fchodov\u00e9ho spo\u0159en\u00ed je v\u00a0ohro\u017een\u00ed<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Samostatnou p\u0159\u00edpravu lid\u00ed na nev\u00fdd\u011ble\u010dnou f\u00e1zi \u017eivota se st\u00e1tn\u00ed podporou \u010dekaj\u00ed po v\u00edce ne\u017e deseti letech p\u0159evratn\u00e9 zm\u011bny.…\n","protected":false},"author":2,"featured_media":106076,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[10],"tags":[297,955,17,21,16,11586,11616,3086,3153,24357,5503,961,18,19,22,20],"class_list":["post-106607","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zpravy","tag-alena-schillerova","tag-ano-2011","tag-headlines","tag-hlavni-udalosti","tag-news","tag-parlament-ceske-republiky","tag-poplatek","tag-poslanecka-snemovna-cr","tag-revoluce","tag-senat-parlamentu-ceske-republiky","tag-sporeni","tag-starobni-duchod","tag-top-news","tag-top-stories","tag-udalosti-dne","tag-zpravy"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116688688744219486","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/106607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=106607"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/106607\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/106076"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=106607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=106607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=106607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}