Kl\u00ed\u010dem je podle nich dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, respektive jeho
\np\u0159epracov\u00e1n\u00ed. Takzvan\u00fd t\u0159et\u00ed pil\u00ed\u0159 d\u016fchodov\u00e9ho syst\u00e9mu, kter\u00fd je
\ntvo\u0159en \u00fasporami a investicemi \u00fa\u010dastn\u00edk\u016f a \u010d\u00e1ste\u010dn\u011b zastoupil zru\u0161en\u00fd
\ndruh\u00fd pil\u00ed\u0159, je podle n\u011bkter\u00fdch odborn\u00edk\u016f v\u00a0sou\u010dasnosti m\u00e1lo
\nefektivn\u00ed. Navrhuj\u00ed proto n\u011bkolik zm\u011bn, kter\u00e9 by m\u011bly cel\u00fd syst\u00e9m
\nzatraktivnit a p\u0159in\u00e9st \u00fa\u010dastn\u00edk\u016fm vy\u0161\u0161\u00ed celkov\u00e9 zhodnocen\u00ed. Mezi
\nst\u011b\u017eejn\u00ed my\u0161lenky pat\u0159\u00ed zejm\u00e9na zaveden\u00ed dynami\u010dt\u011bj\u0161\u00edch
\ninvesti\u010dn\u00edch strategi\u00ed, \u00faprava podpory ze strany st\u00e1tu nebo p\u0159epracov\u00e1n\u00ed
\npoplatkov\u00e9 struktury takov\u00fdm zp\u016fsobem, aby se sn\u00ed\u017eily poplatky penzijn\u00edch
\nspole\u010dnost\u00ed.\u00a0<\/p>\n
Experti na\u0161li cestu, jak m\u00edt v\u00a0d\u016fchodu a\u017e dvojn\u00e1sobek pen\u011bz\u00a0<\/p>\n
Odborn\u00edci p\u0159edstavili model, podle kter\u00e9ho by mohl b\u00fdt celkov\u00fd p\u0159\u00edjem
\nv\u00a0d\u016fchodov\u00e9m v\u011bku a\u017e p\u0159ibli\u017en\u011b dvojn\u00e1sobn\u00fd oproti samotn\u00e9mu
\nst\u00e1tn\u00edmu d\u016fchodu. Nutno podotknout, \u017ee to neznamen\u00e1 zv\u00fd\u0161en\u00ed samotn\u00e9ho
\nd\u016fchodu na dvojn\u00e1sobnou hodnotu. Kl\u00ed\u010dem je spr\u00e1vn\u011b nastaven\u00e1
\nkombinace st\u00e1tn\u00ed penze s\u00a0pravidelnou rentou z\u00a0vlastn\u00edch dlouhodob\u011b
\ninvestovan\u00fdch \u00faspor.\u00a0<\/p>\n
Vzhledem ke st\u00e1vaj\u00edc\u00ed demografick\u00e9 situaci v\u00a0\u010cesk\u00e9 republice, kdy
\ndlouhodob\u011b kles\u00e1 porodnost, co\u017e se postupn\u011b projevuje mimo jin\u00e9
\n\u00fabytkem po\u010dtu lid\u00ed v\u00a0produktivn\u00edm v\u011bku a naopak
\nzvy\u0161uj\u00edc\u00edm se pod\u00edlem d\u016fchodc\u016f, se budouc\u00ed penzist\u00e9
\npravd\u011bpodobn\u011b budou muset v\u00edce spol\u00e9hat na vlastn\u00ed \u00faspory. O\u00a0t\u00e9to
\nproblematice hovo\u0159\u00ed st\u00e1le \u010dast\u011bji nejen politici, ale rovn\u011b\u017e finan\u010dn\u00ed
\nporadci nebo investo\u0159i a ekonomov\u00e9. Pr\u00e1v\u011b ti nyn\u00ed p\u0159i\u0161li s\u00a0velmi
\nzaj\u00edmav\u00fdm \u0159e\u0161en\u00edm.\u00a0<\/p>\n
Mezi odborn\u00edky, kte\u0159\u00ed hledaj\u00ed zp\u016fsob, jak lidem do budoucna zajistit
\nvy\u0161\u0161\u00ed p\u0159\u00edjmy ve st\u00e1\u0159\u00ed, pat\u0159\u00ed i\u00a0ekonom Filip Pertold a
\ninvestor Luk\u00e1\u0161 N\u00e1dvorn\u00edk z\u00a0think-tanku IDEA p\u0159i CERGE-EI
\n(spole\u010dn\u00e9ho pracovi\u0161t\u011b Univerzity Karlovy a Ekonomick\u00e9ho \u00fastavu Akademie
\nv\u011bd). Pr\u00e1v\u011b tito experti p\u0159edstavili v\u00a0r\u00e1mci setk\u00e1n\u00ed s\u00a0novin\u00e1\u0159i
\nn\u011bkolik z\u00e1sadn\u00edch zm\u011bn, kter\u00e9 by podle jejich p\u0159edb\u011b\u017en\u00fdch propo\u010dt\u016f
\nmohly zna\u010dn\u011b zv\u00fd\u0161it v\u00fdznam a celkov\u00fd p\u0159\u00ednos dopl\u0148kov\u00e9ho penzijn\u00edho
\nspo\u0159en\u00ed.<\/p>\n
IMG-1\u00a0<\/p>\n
Kombinace pravideln\u00e9ho p\u0159\u00edjmu z\u00a0investic se st\u00e1tn\u00ed penz\u00ed by mohla
\nud\u011blat divy\u00a0<\/p>\n
Ekonomov\u00e9 konkr\u00e9tn\u011b uvedli, \u017ee by dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed mohlo
\nv\u00a0budoucnu lidem zajistit a\u017e 29\u00a0procent jejich p\u0159edchoz\u00edho
\nv\u00fdd\u011blku, zat\u00edmco v\u00a0sou\u010dasnosti jde pouze p\u0159ibli\u017en\u011b
\no\u00a08\u00a0procent.\u00a0<\/p>\n
U\u00a0n\u011bkter\u00fdch lid\u00ed by to znamenalo, \u017ee by se jejich celkov\u00fd p\u0159\u00edjem
\nv\u00a0d\u016fchodov\u00e9m v\u011bku vzrostl a\u017e na dvojn\u00e1sobek.<\/p>\n
K\u00a0jak\u00fdm zm\u011bn\u00e1m t\u0159et\u00edho d\u016fchodov\u00e9ho pil\u00ed\u0159e by muselo doj\u00edt?\u00a0<\/p>\n
Aby byl pravideln\u00fd p\u0159\u00edjem z\u00a0pen\u011bz, kter\u00e9 \u010dlov\u011bk v\u00a0pr\u016fb\u011bhu
\nproduktivn\u00edho \u017eivota naspo\u0159il a investoval ve t\u0159et\u00edm d\u016fchodov\u00e9m pil\u00ed\u0159i,
\ndostate\u010dn\u00fd, st\u00e1vaj\u00edc\u00ed syst\u00e9m by musel proj\u00edt n\u011bkolika zm\u011bnami.\u00a0<\/p>\n
V\u00a0prvn\u00ed \u0159ad\u011b by bylo nutn\u00e9 p\u0159im\u011bt lidi k\u00a0d\u0159\u00edv\u011bj\u0161\u00edmu vstupu do \u201eV\u00fdnos a \u010das jsou pro zhodnocen\u00ed \u00faspor neporovnateln\u011b Ve druh\u00e9 \u0159ad\u011b by m\u011blo doj\u00edt ke zm\u011bn\u00e1m v\u00a0investi\u010dn\u00ed Krom\u011b toho pova\u017euj\u00ed Filip Pertold s\u00a0Luk\u00e1\u0161em N\u00e1dvorn\u00edkem za
\nsyst\u00e9mu. Pr\u00e1v\u011b dlouh\u00fd investi\u010dn\u00ed horizont je toti\u017e ve sv\u011bt\u011b
\ninvestov\u00e1n\u00ed naprosto kl\u00ed\u010dov\u00fd, co\u017e dokazuj\u00ed i\u00a0v\u00fdpo\u010dty proveden\u00e9 na
\nz\u00e1klad\u011b historick\u00fdch dat<\/a>. \u010c\u00e1stka, kterou je nezbytn\u00e9 pravideln\u011b
\nodkl\u00e1dat pro vybudov\u00e1n\u00ed dostate\u010dn\u011b objemn\u00e9ho portfolia, se v\u00fdrazn\u011b
\nsni\u017euje s\u00a0po\u010dtem let zb\u00fdvaj\u00edc\u00edch do odchodu do d\u016fchodu. \u010clov\u011bku, jen\u017e
\ns\u00a0investov\u00e1n\u00edm za\u010dne ji\u017e ve 20\u00a0letech, sta\u010d\u00ed odkl\u00e1dat pouze p\u00e1r stovek
\nm\u011bs\u00ed\u010dn\u011b. Oproti tomu lid\u00e9, kte\u0159\u00ed za\u010dali nap\u0159\u00edklad a\u017e v\u00a050\u00a0letech,
\nmus\u00ed pro dosa\u017een\u00ed stejn\u00e9ho c\u00edle investovat ka\u017ed\u00fd m\u011bs\u00edc mnohon\u00e1sobn\u011b
\nvy\u0161\u0161\u00ed \u010d\u00e1stky. I\u00a0z\u00a0tohoto d\u016fvodu n\u011bkte\u0159\u00ed ekonomov\u00e9 doporu\u010duj\u00ed, aby
\nsi\u00a0spo\u0159ily
\ni\u00a0d\u011bti od 9\u00a0let v\u011bku<\/a>.\u00a0<\/p>\n
\nd\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e v\u00fd\u0161e \u00falo\u017eky,\u201c prohl\u00e1sil Filip Pertold.\u00a0<\/p>\n
\nstrategii. Lid\u00e9 v\u00a0mlad\u0161\u00edm a st\u0159edn\u00edm v\u011bku by m\u011bli volit
\nodv\u00e1\u017en\u011bj\u0161\u00ed investice, kter\u00e9 z\u00a0dlouhodob\u00e9ho hlediska p\u0159in\u00e1\u0161ej\u00ed
\nvy\u0161\u0161\u00ed zisky (podle historick\u00fdch dat, u\u00a0kter\u00fdch je v\u0161ak t\u0159eba podotknout,
\n\u017ee nemus\u00ed b\u00fdt automatickou z\u00e1rukou budouc\u00edch v\u00fdnos\u016f).\u00a0<\/p>\n
\nd\u016fle\u017eit\u00e9 v\u011bt\u0161\u00ed zapojen\u00ed zam\u011bstnavatel\u016f a
\nsn\u00ed\u017een\u00ed poplatk\u016f penzijn\u00edch spole\u010dnost\u00ed.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Kl\u00ed\u010dem je podle nich dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, respektive jeho p\u0159epracov\u00e1n\u00ed. Takzvan\u00fd t\u0159et\u00ed pil\u00ed\u0159 d\u016fchodov\u00e9ho syst\u00e9mu, kter\u00fd je tvo\u0159en…\n","protected":false},"author":2,"featured_media":195669,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[43,42,41,40,9887,3834,4367],"class_list":["post-195668","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-penze","tag-seniori"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/117180094545335459","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/195668","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=195668"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/195668\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/195669"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=195668"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=195668"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=195668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}