{"id":181666,"date":"2026-08-16T18:47:18","date_gmt":"2026-08-16T18:47:18","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/181666\/"},"modified":"2026-08-16T18:47:18","modified_gmt":"2026-08-16T18:47:18","slug":"cesi-si-na-duchod-spori-malo-a-zacinaji-pozde","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/181666\/","title":{"rendered":"\u010ce\u0161i si na d\u016fchod spo\u0159\u00ed m\u00e1lo a za\u010d\u00ednaj\u00ed pozd\u011b"},"content":{"rendered":"

St\u00e1tn\u00ed d\u016fchod v\u011bt\u0161in\u011b \u010cech\u016f k udr\u017een\u00ed dosavadn\u00ed \u017eivotn\u00ed \u00farovn\u011b sta\u010dit nebude. P\u0159esto lid\u00e9 za\u010d\u00ednaj\u00ed spo\u0159it pozd\u011b, odkl\u00e1daj\u00ed n\u00edzk\u00e9 \u010d\u00e1stky a sv\u00e9 pen\u00edze \u010dasto nech\u00e1vaj\u00ed v p\u0159\u00edli\u0161 konzervativn\u00edch produktech. Dostate\u010dnou rezervu na st\u00e1\u0159\u00ed si proto vytv\u00e1\u0159\u00ed jen men\u0161ina z nich.<\/p>\n

Pr\u016fm\u011brn\u00fd starobn\u00ed d\u016fchod v \u010cesku letos v \u010dervnu dos\u00e1hl 21 803 korun m\u011bs\u00ed\u010dn\u011b. Pr\u016fm\u011brn\u00e1 hrub\u00e1 mzda p\u0159itom v prvn\u00edm \u010dtvrtlet\u00ed \u010dinila 50 282 korun. V prost\u00e9m srovn\u00e1n\u00ed tak penze odpov\u00edd\u00e1 zhruba 43 procent\u016fm pr\u016fm\u011brn\u00e9 mzdy. Pro zachov\u00e1n\u00ed \u017eivotn\u00ed \u00farovn\u011b po odchodu z pr\u00e1ce proto bude st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed vlastn\u00ed finan\u010dn\u00ed rezerva. Ta v\u0161ak u \u010desk\u00fdch dom\u00e1cnost\u00ed z\u016fst\u00e1v\u00e1 vzhledem k v\u00fdznamu st\u00e1tn\u00ed penze nedostate\u010dn\u00e1.<\/p>\n

\t\t\"\"<\/p>\n

\t\tEkonomick\u00fd di\u00e1\u0159 Pavla P\u00e1rala: Vl\u00e1da se sna\u017e\u00ed p\u0159ibl\u00ed\u017eit penzijn\u00ed armagedon
\n\t\tN\u00e1zory<\/a><\/p>\n

Dnes p\u0159ipad\u00e1 na sto lid\u00ed v produktivn\u00edm v\u011bku (20\u201364 let) p\u0159ibli\u017en\u011b 32 senior\u016f star\u0161\u00edch 65 let, do roku 2050 tento po\u010det vzroste na 50 a\u017e 60 senior\u016f na sto pracuj\u00edc\u00edch. Nikoho zodpov\u011bdn\u00e9ho to nem\u016f\u017ee nechat v\u00a0klidu. Ne\u0159e\u0161en\u00ed penz\u00ed v\u00a0t\u00e9to situaci zav\u00e1n\u00ed st\u00e1tn\u00edm bankrotem a ka\u017ed\u00e1 norm\u00e1ln\u00ed vl\u00e1da by to \u0159e\u0161ila.<\/p>\n

Pavel P\u00e1ral<\/p>\n

\tP\u0159e\u010d\u00edst \u010dl\u00e1nek<\/a><\/p>\n

\u010ce\u0161i si p\u0159itom uv\u011bdomuj\u00ed, \u017ee by si m\u011bli na d\u016fchod spo\u0159it. Probl\u00e9m je, \u017ee \u010dasto za\u010d\u00ednaj\u00ed pozd\u011b a odkl\u00e1daj\u00ed p\u0159\u00edli\u0161 m\u00e1lo. T\u00e9m\u011b\u0159 polovina lid\u00ed o\u010dek\u00e1v\u00e1, \u017ee jim penze nahrad\u00ed 50 a\u017e 70 procent dosavadn\u00edho p\u0159\u00edjmu. Ve skute\u010dnosti v\u0161ak musej\u00ed po\u010d\u00edtat s citeln\u011bj\u0161\u00edm propadem a chyb\u011bj\u00edc\u00ed \u010d\u00e1st p\u0159\u00edjm\u016f pokr\u00fdt z vlastn\u00edch \u00faspor.<\/p>\n

Milionov\u00e1 rezerva z\u016fst\u00e1v\u00e1 pro mnoh\u00e9 nedosa\u017eiteln\u00e1<\/p>\n

Jako orienta\u010dn\u00ed rezerva na st\u00e1\u0159\u00ed se \u010dasto uv\u00e1d\u00ed \u010d\u00e1stka v rozmez\u00ed jednoho a\u017e dvou milion\u016f korun. Zejm\u00e9na u lid\u00ed, kter\u00fdm se d\u016fchod ji\u017e bl\u00ed\u017e\u00ed, je ale rozd\u00edl mezi o\u010dek\u00e1v\u00e1n\u00edm a skute\u010dn\u00fdmi mo\u017enostmi zna\u010dn\u00fd.<\/p>\n

V\u00edce ne\u017e polovina \u010cech\u016f ve v\u011bku od 50 do 65 let p\u0159edpokl\u00e1d\u00e1, \u017ee bude v penzi pot\u0159ebovat p\u0159es milion korun. \u0160est z deseti v\u0161ak nev\u011b\u0159\u00ed, \u017ee si takovou \u010d\u00e1stku dok\u00e1\u017ee vytvo\u0159it.<\/p>\n

K tomu se p\u0159id\u00e1v\u00e1 pozdn\u00ed za\u010d\u00e1tek spo\u0159en\u00ed. Za vhodnou dobu pro zah\u00e1jen\u00ed p\u0159\u00edpravy na penzi \u010ce\u0161i nej\u010dast\u011bji pova\u017euj\u00ed v\u011bk mezi 25 a 34 lety. \u0158ada z nich ale za\u010dne spo\u0159it a\u017e mezi 35. a 54. rokem \u017eivota. Pr\u00e1v\u011b prvn\u00ed roky pracovn\u00edho \u017eivota jsou p\u0159itom nejcenn\u011bj\u0161\u00ed, proto\u017ee d\u00e1vaj\u00ed \u00faspor\u00e1m nejv\u00edce \u010dasu na zhodnocen\u00ed.<\/p>\n

\t\t\"\"<\/p>\n

\t\tIvana Pe\u010dinkov\u00e1: Lep\u0161\u00ed penzijko \u2013 cesta odnikud nikam
\n\t\tMoney<\/a><\/p>\n

P\u0159\u00e1n\u00ed je otcem my\u0161lenky. Tak by se dala zhodnotit p\u0159edstava vicepremi\u00e9rky a ministryn\u011b financ\u00ed Aleny Schillerov\u00e9, pota\u017emo vl\u00e1dy, o tom, jak zajistit \u010cech\u016fm lep\u0161\u00ed penze.<\/p>\n

Ivana Pe\u010dinkov\u00e1<\/p>\n

\tP\u0159e\u010d\u00edst \u010dl\u00e1nek<\/a><\/p>\n

P\u0159ibli\u017en\u011b dv\u011b t\u0159etiny lid\u00ed nav\u00edc na st\u00e1\u0159\u00ed odkl\u00e1daj\u00ed nejv\u00fd\u0161e dva tis\u00edce korun m\u011bs\u00ed\u010dn\u011b. Konkr\u00e9tn\u00ed finan\u010dn\u00ed pl\u00e1n pro obdob\u00ed po pades\u00e1tce m\u00e1 pouze sedm procent \u010cech\u016f.<\/p>\n

\u00daspory z\u016fst\u00e1vaj\u00ed v m\u00e1lo v\u00fdnosn\u00fdch produktech<\/p>\n

Dal\u0161\u00edm probl\u00e9mem je zp\u016fsob, jak\u00fdm \u010ce\u0161i sv\u00e9 pen\u00edze ukl\u00e1daj\u00ed. \u010cesk\u00e9 dom\u00e1cnosti z\u016fst\u00e1vaj\u00ed velmi konzervativn\u00ed. Podle PAQ Research spl\u0148uje krit\u00e9ria produktivn\u00edho penzijn\u00edho spo\u0159en\u00ed pouze 18 procent lid\u00ed ve v\u011bku od 18 let do dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku.<\/p>\n

Velk\u00e1 \u010d\u00e1st dlouhodob\u00fdch \u00faspor z\u016fst\u00e1v\u00e1 v transformovan\u00fdch nebo konzervativn\u00edch fondech, kter\u00e9 obvykle nab\u00edzej\u00ed n\u00edzk\u00e9 zhodnocen\u00ed. Probl\u00e9mem proto nejsou pouze n\u00edzk\u00e9 pravideln\u00e9 vklady, ale tak\u00e9 p\u0159\u00edli\u0161 opatrn\u00e1 investi\u010dn\u00ed strategie.<\/p>\n

\u010c\u00edm del\u0161\u00ed doba \u010dlov\u011bku do d\u016fchodu zb\u00fdv\u00e1, t\u00edm v\u011bt\u0161\u00ed prostor m\u00e1 pro dynami\u010dt\u011bj\u0161\u00ed investice s vy\u0161\u0161\u00edm pod\u00edlem akci\u00ed. S bl\u00ed\u017e\u00edc\u00edm se odchodem do penze naopak d\u00e1v\u00e1 smysl investi\u010dn\u00ed riziko postupn\u011b sni\u017eovat.<\/p>\n

St\u00e1rnut\u00ed populace zv\u00fd\u0161\u00ed v\u00fdznam vlastn\u00edch \u00faspor<\/p>\n

V\u00fdznam vlastn\u00ed finan\u010dn\u00ed rezervy poroste tak\u00e9 s t\u00edm, jak bude \u010desk\u00e1 populace st\u00e1rnout. V roce 2025 \u017eilo v \u010cesku p\u0159ibli\u017en\u011b 2,3 milionu lid\u00ed star\u0161\u00edch 65 let, tedy v\u00edce ne\u017e p\u011btina populace. V roce 2050 u\u017e budou lid\u00e9 nad 65 let tvo\u0159it t\u00e9m\u011b\u0159 t\u0159i desetiny obyvatel a ka\u017ed\u00fd jeden\u00e1ct\u00fd \u010cech bude star\u0161\u00ed 80 let.<\/p>\n

Del\u0161\u00ed \u017eivot ve st\u00e1\u0159\u00ed nebude znamenat pouze v\u00edce let str\u00e1ven\u00fdch v penzi, ale tak\u00e9 vy\u0161\u0161\u00ed n\u00e1klady na zdravotn\u00ed a soci\u00e1ln\u00ed p\u00e9\u010di. Vlastn\u00ed \u00faspory tak budou st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed nejen pro zachov\u00e1n\u00ed \u017eivotn\u00ed \u00farovn\u011b, ale tak\u00e9 pro financov\u00e1n\u00ed pot\u0159ebn\u00fdch slu\u017eeb a p\u00e9\u010de ve vysok\u00e9m v\u011bku.<\/p>\n

\u010ce\u0161i p\u0159esto za\u010d\u00ednaj\u00ed spo\u0159it pozd\u011b, odkl\u00e1daj\u00ed relativn\u011b n\u00edzk\u00e9 \u010d\u00e1stky a zna\u010dnou \u010d\u00e1st dlouhodob\u00fdch \u00faspor nech\u00e1vaj\u00ed v m\u00e1lo v\u00fdnosn\u00fdch produktech. Bez zm\u011bny tohoto p\u0159\u00edstupu proto mnoh\u00fdm z nich hroz\u00ed, \u017ee se jejich \u017eivotn\u00ed \u00farove\u0148 po odchodu do d\u016fchodu v\u00fdrazn\u011b sn\u00ed\u017e\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"St\u00e1tn\u00ed d\u016fchod v\u011bt\u0161in\u011b \u010cech\u016f k udr\u017een\u00ed dosavadn\u00ed \u017eivotn\u00ed \u00farovn\u011b sta\u010dit nebude. P\u0159esto lid\u00e9 za\u010d\u00ednaj\u00ed spo\u0159it pozd\u011b, odkl\u00e1daj\u00ed n\u00edzk\u00e9…\n","protected":false},"author":2,"featured_media":181667,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[43,42,41,40,9887,69,9502,5503],"class_list":["post-181666","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cesko","tag-ceska-republika","tag-cesko","tag-czech-republic","tag-czechia","tag-duchody","tag-investice","tag-lukas-kovanda","tag-sporeni"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117106681403584576","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/181666","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=181666"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/181666\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/181667"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=181666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=181666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=181666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}