{"id":189127,"date":"2026-08-23T16:08:11","date_gmt":"2026-08-23T16:08:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/189127\/"},"modified":"2026-08-23T16:08:11","modified_gmt":"2026-08-23T16:08:11","slug":"vlada-bude-schvalovat-zmeny-v-penzijnim-sporeni-mladym-prida-fondum-vezme","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/189127\/","title":{"rendered":"Vl\u00e1da bude schvalovat zm\u011bny v\u00a0penzijn\u00edm spo\u0159en\u00ed. Mlad\u00fdm p\u0159id\u00e1, fond\u016fm vezme"},"content":{"rendered":"

Schillerov\u00e1 upozornila, \u017ee sou\u010dasn\u00e9 nastaven\u00ed m\u016f\u017ee p\u0159i 35\u00a0letech spo\u0159en\u00ed p\u0159ipravit klienta o\u00a0v\u00edce ne\u017e polovinu kone\u010dn\u00fdch \u00faspor, reforma m\u00e1 tento pod\u00edl sn\u00ed\u017eit na necelou p\u011btinu. U\u00a0v\u011bt\u0161iny fond\u016f m\u00e1 z\u00e1rove\u0148 zmizet poplatek za zhodnocen\u00ed a\u00a0maxim\u00e1ln\u00ed poplatek za spr\u00e1vu m\u00e1 \u010dinit 0,5\u00a0procenta ro\u010dn\u011b.<\/p>\n

Nyn\u011bj\u0161\u00ed n\u00e1vrh je podle ministerstva t\u00e9m\u011b\u0159 toto\u017en\u00fd s\u00a0verz\u00ed p\u0159edstavenou v\u00a0\u010dervnu. \u201eO\u010dek\u00e1v\u00e1me jeho schv\u00e1len\u00ed,\u201c uvedl mluv\u010d\u00ed ministerstva financ\u00ed Filip B\u011bhal.<\/p>\n

Schillerov\u00e1 ve \u010dtvrtek ozna\u010dila zm\u011bny za svou \u201evelkou srde\u010dn\u00ed z\u00e1le\u017eitost\u201c. Maj\u00ed zatraktivnit spo\u0159en\u00ed p\u0159edev\u0161\u00edm pro mlad\u00e9. Lid\u00e9 do 30\u00a0let maj\u00ed dost\u00e1vat dvojn\u00e1sobn\u00fd st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, tedy 40\u00a0procent vkladu; u\u00a0d\u011bt\u00ed do 18\u00a0let se hranice pro z\u00edsk\u00e1n\u00ed p\u0159\u00edsp\u011bvku sn\u00ed\u017e\u00ed na 100\u00a0korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n

<\/a><\/p>\n

Lid\u00e9 do 36\u00a0let budou moci po nejm\u00e9n\u011b 10\u00a0letech spo\u0159en\u00ed jednou vybrat a\u017e t\u0159etinu vklad\u016f a\u00a0jejich zhodnocen\u00ed bez sankce, bez ohledu na \u00fa\u010del v\u00fdb\u011bru. Novinkou m\u00e1 b\u00fdt i\u00a0strategie \u017eivotn\u00edho cyklu, kter\u00e1 v\u00a0mlad\u0161\u00edm v\u011bku s\u00e1z\u00ed v\u00edc na akcie a\u00a0s bl\u00ed\u017e\u00edc\u00edm se d\u016fchodem p\u0159esouv\u00e1 \u00faspory do bezpe\u010dn\u011bj\u0161\u00edch investic. <\/p>\n

Spor o\u00a0v\u00fd\u0161i poplatk\u016f<\/p>\n

U\u00a0klient\u016f do 50\u00a0let budou muset b\u00fdt nejm\u00e9n\u011b t\u0159i \u010dtvrtiny investic v\u00a0akciov\u00e9m fondu, maxim\u00e1ln\u011b deset procent v\u00a0alternativn\u00edm. Po pades\u00e1tce se budou investice postupn\u011b p\u0159esouvat do konzervativn\u011bj\u0161\u00edch fond\u016f. Reforma po\u010d\u00edt\u00e1 s\u00a0ukon\u010den\u00edm transformovan\u00fdch fond\u016f, do nich\u017e u\u017e od roku 2013\u00a0nelze vstoupit. Skon\u010dit maj\u00ed k\u00a031.\u00a0prosinci 2036.<\/p>\n

\u201eHlavn\u00ed bomba ale je, \u017ee dramaticky sni\u017eujeme poplatky,\u201c \u0159ekla Schillerov\u00e1. U\u00a0transformovan\u00fdch, konzervativn\u00edch, sm\u00ed\u0161en\u00fdch a\u00a0dynamick\u00fdch fond\u016f m\u00e1 zmizet v\u00fdkonnostn\u00ed poplatek a\u00a0strop poplatku za spr\u00e1vu bude \u010dinit 0,5\u00a0procenta ro\u010dn\u011b. V\u00fdjimkou z\u016fstane alternativn\u00ed fond.<\/p>\n

Podle v\u00fdpo\u010dt\u016f ekonom\u016f Filipa Pertolda a\u00a0Luk\u00e1\u0161e N\u00e1dvorn\u00edka z\u00a0CERGE-EI, spole\u010dn\u00e9ho pracovi\u0161t\u011b Univerzity Karlovy a\u00a0Akademie v\u011bd, m\u016f\u017ee nyn\u011bj\u0161\u00ed nastaven\u00ed poplatk\u016f p\u0159ipravit dlouhodob\u011b spo\u0159\u00edc\u00edho klienta o\u00a0v\u00edce ne\u017e polovinu kone\u010dn\u00fdch \u00faspor. Po navrhovan\u00e9 zm\u011bn\u011b by tento \u00fabytek m\u011bl klesnout na necelou p\u011btinu a\u00a0p\u0159i 35\u00a0letech spo\u0159en\u00ed by \u00faspory mohly b\u00fdt vy\u0161\u0161\u00ed a\u017e o\u00a0milion korun.<\/p>\n

Asociace penzijn\u00edch spole\u010dnost\u00ed v\u00fdpo\u010dty expert\u016f rozporuje.\u00a0Z\u00e1rove\u0148 tvrd\u00ed, \u017ee navrhovan\u00fd poplatkov\u00fd strop 0,5\u00a0procenta nepokryje n\u00e1klady na spr\u00e1vu fond\u016f. Ministerstvo financ\u00ed kritiku asociace odm\u00edt\u00e1. <\/p>\n

Schillerov\u00e1 je p\u0159esv\u011bd\u010den\u00e1, \u017ee n\u00e1vrh schv\u00e1len\u00fd vl\u00e1dou projde i\u00a0ve Sn\u011bmovn\u011b. \u201eV\u011b\u0159\u00edm, \u017ee nikdo nepodlehne lobbistick\u00fdm tlak\u016fm a\u00a0budeme spole\u010dn\u011b, nap\u0159\u00ed\u010d politick\u00fdm spektrem, bojovat za z\u00e1jmy ob\u010dan\u016f na\u0161\u00ed zem\u011b,\u201c prohl\u00e1sila.<\/p>\n

Zat\u00edmco nyn\u011bj\u0161\u00ed vl\u00e1da chce poplatky za spr\u00e1vu pen\u011bz penzijn\u00edm spole\u010dnostem sn\u00ed\u017eit, v\u00a0roce 2015\u00a0je Parlament naopak zv\u00fd\u0161il. U\u00a0transformovan\u00fdch fond\u016f tehdy maxim\u00e1ln\u00ed poplatek vzrostl z\u00a00,6\u00a0na 0,8\u00a0procenta ro\u010dn\u011b. P\u0159i tehdej\u0161\u00edm objemu spravovan\u00fdch pen\u011bz to znamenalo zhruba 660\u00a0milion\u016f korun ro\u010dn\u011b nav\u00edc na poplatc\u00edch, v\u00a0dal\u0161\u00edch letech to bylo s\u00a0r\u016fstem objemu pen\u011bz ve fondech je\u0161t\u011b podstatn\u011b v\u00edce. <\/p>\n

Zm\u011bnu prosadil ve Sn\u011bmovn\u011b pozm\u011b\u0148ovac\u00ed n\u00e1vrh poslance Jaroslava Zavadila z\u00a0tehdy vl\u00e1dn\u00ed \u010cSSD, kter\u00e1 byla v\u00a0koalici s\u00a0ANO a\u00a0KDU-\u010cSL. Andrej Babi\u0161 byl v\u00a0t\u00e9 dob\u011b ministrem financ\u00ed. <\/p>\n

V penzijn\u00edch fondech maj\u00ed \u010ce\u0161i p\u0159es 700\u00a0miliard<\/p>\n

Penzijn\u00ed spole\u010dnosti ke konci \u010dervna spravovaly v\u00a0transformovan\u00fdch penzijn\u00edch fondech 332\u00a0miliard korun a\u00a0v \u00fa\u010dastnick\u00fdch dal\u0161\u00edch v\u00edce ne\u017e 368\u00a0miliard.<\/p>\n

Loni podle dat \u010cesk\u00e9 n\u00e1rodn\u00ed banky dev\u011bt tuzemsk\u00fdch penzijn\u00edch spole\u010dnost\u00ed inkasovalo na poplatc\u00edch za spr\u00e1vu a\u00a0zhodnocen\u00ed transformovan\u00fdch a\u00a0\u00fa\u010dastnick\u00fdch fond\u016f celkem zhruba 8,2\u00a0miliardy korun.<\/p>\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Schillerov\u00e1 upozornila, \u017ee sou\u010dasn\u00e9 nastaven\u00ed m\u016f\u017ee p\u0159i 35\u00a0letech spo\u0159en\u00ed p\u0159ipravit klienta o\u00a0v\u00edce ne\u017e polovinu kone\u010dn\u00fdch \u00faspor, reforma m\u00e1…\n","protected":false},"author":2,"featured_media":189128,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[43,42,41,40,3421,471,470,3576,3045],"class_list":["post-189127","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cesko","tag-ceska-republika","tag-cesko","tag-czech-republic","tag-czechia","tag-duchod","tag-penzijni-fondy","tag-penzijni-sporeni","tag-poplatky","tag-stari"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117145692495921860","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/189127","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=189127"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/189127\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/189128"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=189127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=189127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=189127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}