{"id":67653,"date":"2026-04-27T08:05:09","date_gmt":"2026-04-27T08:05:09","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/67653\/"},"modified":"2026-04-27T08:05:09","modified_gmt":"2026-04-27T08:05:09","slug":"vyssi-prijmy-prinesou-na-penzi-jen-par-korun-navic","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/67653\/","title":{"rendered":"Vy\u0161\u0161\u00ed p\u0159\u00edjmy p\u0159inesou na penzi jen p\u00e1r korun nav\u00edc"},"content":{"rendered":"

Po\u010det vysok\u00fdch d\u016fchod\u016f roste hlavn\u011b proto, \u017ee nov\u00ed penzist\u00e9 m\u011bli vy\u0161\u0161\u00ed celo\u017eivotn\u00ed mzdy a\u00a0jejich d\u016fchody se v\u00a0posledn\u00edch letech v\u00fdrazn\u011b nav\u00fd\u0161ily valorizacemi.<\/p>\n

Lidi \u010dasto napad\u00e1, zda by si nemohli penzi nav\u00fd\u0161it dobrovoln\u00fdm zv\u00fd\u0161en\u00edm odvod\u016f. Podle expert\u016f v\u0161ak tento krok a\u017e na v\u00fdjimky ned\u00e1v\u00e1 smysl. D\u016fchodov\u00fd syst\u00e9m je podle nich nastaven\u00fd velmi solid\u00e1rn\u011b. Lid\u00e9 s\u00a0vy\u0161\u0161\u00edmi p\u0159\u00edjmy odv\u00e1d\u011bj\u00ed v\u00fdrazn\u011b v\u00edce, jejich penze je ale jen o\u00a0m\u00e1lo vy\u0161\u0161\u00ed ne\u017e d\u016fchod n\u00edzkop\u0159\u00edjmov\u00fdch pracovn\u00edk\u016f.<\/p>\n

Penze se skl\u00e1d\u00e1 ze dvou \u010d\u00e1st\u00ed. Z\u00e1kladn\u00ed v\u00fdm\u011bra je pro v\u0161echny stejn\u00e1 a\u00a0letos \u010din\u00ed 4900\u00a0korun m\u011bs\u00ed\u010dn\u011b. Procentn\u00ed v\u00fdm\u011bra se pak li\u0161\u00ed podle toho, jak dlouho \u010dlov\u011bk pracoval a\u00a0kolik vyd\u011bl\u00e1val.<\/p>\n

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

\u201eZa ka\u017ed\u00fd rok doby poji\u0161t\u011bn\u00ed se zapo\u010d\u00edt\u00e1v\u00e1 z\u00e1konem stanoven\u00e9 procento z\u00e1kladu, tak\u017ee del\u0161\u00ed doba poji\u0161t\u011bn\u00ed a\u00a0vy\u0161\u0161\u00ed p\u0159\u00edjmy vedou k\u00a0vy\u0161\u0161\u00ed penzi,\u201c vysv\u011btlila mluv\u010d\u00ed \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed Jitka Drmolov\u00e1. <\/p>\n

A\u010dkoliv si lid\u00e9 mohou penzi zv\u00fd\u0161it dobrovoln\u00fdm d\u016fchodov\u00fdm spo\u0159en\u00edm, na konci lo\u0148ska do n\u011bj bylo p\u0159ihl\u00e1\u0161eno pouze p\u0159es deset tis\u00edc lid\u00ed. Loni jich p\u0159ibyly t\u0159i tis\u00edce.<\/p>\n

V\u00fddaje na d\u016fchody dlouhodob\u011b tvo\u0159\u00ed zhruba t\u0159etinu st\u00e1tn\u00edho rozpo\u010dtu. Letos p\u0159es\u00e1hnou 720\u00a0miliard korun, penze pob\u00edr\u00e1 p\u0159es 2,8\u00a0milionu lid\u00ed.<\/p>\n

O kolik d\u016fchod zvednou vy\u0161\u0161\u00ed odvody<\/p>\n

Jak konkr\u00e9tn\u011b syst\u00e9m funguje, uk\u00e1zal d\u016fchodov\u00fd poradce Martin Kohoutek na p\u0159\u00edkladech.<\/p>\n

Pan Petr, narozen\u00fd 1.\u00a0b\u0159ezna 1962, chce odej\u00edt do d\u016fchodu 1.\u00a0z\u00e1\u0159\u00ed 2026.\u00a0Cel\u00fd \u017eivot pracoval za pr\u016fm\u011brnou mzdu a\u00a0odpracoval 48\u00a0let. Jeho d\u016fchod bude 25\u00a0313\u00a0korun m\u011bs\u00ed\u010dn\u011b. Kdyby se rozhodl dobrovoln\u011b doplatit poji\u0161t\u011bn\u00ed z\u00a0vym\u011b\u0159ovac\u00edho z\u00e1kladu 100\u00a0tis\u00edc korun, zaplatil by 28\u00a0tis\u00edc korun. D\u016fchod by se mu zv\u00fd\u0161il na 25\u00a0353\u00a0korun, tedy o\u00a0pouh\u00fdch 40\u00a0korun m\u011bs\u00ed\u010dn\u011b. <\/p>\n

\u201e\u010cekal by tak des\u00edtky let pob\u00edr\u00e1n\u00ed vy\u0161\u0161\u00edho d\u016fchodu, ne\u017e by se mu investice 28\u00a0tis\u00edc korun zaplatila,\u201c konstatoval Kohoutek.<\/p>\n

Pan Pavel, stejn\u011b star\u00fd jako Petr, pracoval cel\u00fd \u017eivot za polovinu pr\u016fm\u011brn\u00e9 mzdy, tedy zhruba 25\u00a0tis\u00edc korun hrub\u00e9ho. Jeho d\u016fchod by \u010dinil 20\u00a0751\u00a0korun. Ani jemu by se dobrovoln\u00e9 zvy\u0161ov\u00e1n\u00ed odvod\u016f nevyplatilo.<\/p>\n

Pan\u00ed Ane\u017eka, narozen\u00e1 ve stejn\u00fd den, m\u011bla po cel\u00fd \u017eivot nadpr\u016fm\u011brnou mzdu, zhruba 100\u00a0tis\u00edc korun hrub\u00e9ho. P\u0159esto\u017ee vyd\u011bl\u00e1vala \u010dty\u0159ikr\u00e1t v\u00edce ne\u017e Pavel, jej\u00ed d\u016fchod nebude ani zdaleka \u010dty\u0159ikr\u00e1t vy\u0161\u0161\u00ed\u00a0\u2013 dos\u00e1hne 34\u00a0440\u00a0korun. \u201eZde je vid\u011bt v\u00fdznamn\u00e1 soci\u00e1ln\u00ed solidarita \u010desk\u00e9ho d\u016fchodov\u00e9ho syst\u00e9mu,\u201c poznamenal Kohoutek.<\/p>\n

Kdyby Pavel pracoval je\u0161t\u011b za ni\u017e\u0161\u00ed mzdu, nap\u0159\u00edklad t\u0159etinovou z\u00a0pr\u016fm\u011bru, jeho d\u016fchod by \u010dinil 16\u00a0484\u00a0korun. Doplacen\u00ed dobrovoln\u00e9ho poji\u0161t\u011bn\u00ed z\u00a0vym\u011b\u0159ovac\u00edho z\u00e1kladu 100\u00a0tis\u00edc korun by d\u016fchod zv\u00fd\u0161ilo na 16\u00a0632\u00a0korun, tedy o\u00a0148\u00a0korun. \u201eTo je sice v\u00edce, ale pro v\u011bt\u0161inu lid\u00ed to st\u00e1le nen\u00ed zaj\u00edmav\u00e9,\u201c uvedl Kohoutek.<\/p>\n

Dobrovoln\u00e9 poji\u0161t\u011bn\u00ed ale m\u016f\u017ee b\u00fdt v\u00a0ur\u010dit\u00fdch situac\u00edch u\u017eite\u010dn\u00e9. \u201eHlavn\u011b tehdy, kdy\u017e d\u00edky n\u011bmu z\u00edsk\u00e1te dal\u0161\u00ed cel\u00fd rok doby poji\u0161t\u011bn\u00ed. Nebo kdy\u017e v\u00e1m chyb\u00ed roky pot\u0159ebn\u00e9 k\u00a0tomu, abyste na d\u016fchod v\u016fbec dos\u00e1hli,\u201c shrnul Kohoutek.<\/p>\n

Jak jsou na tom \u017eivnostn\u00edci<\/p>\n

Stejn\u011b je na tom ten, kdo podnik\u00e1. Pan Pavel jako \u017eivnostn\u00edk s\u00a0minim\u00e1ln\u00edmi odvody, kter\u00e9 letos \u010din\u00ed 5\u00a0720\u00a0korun m\u011bs\u00ed\u010dn\u011b, by m\u011bl d\u016fchod jen 14\u00a0841\u00a0korun. P\u0159i dvojn\u00e1sobn\u00fdch odvodech by vzrostl na 20\u00a0495\u00a0korun. Expertka Ji\u0159ina Svobodov\u00e1 ze spole\u010dnosti Freedom Financial Services spo\u010d\u00edtala, \u017ee ani zdvojn\u00e1soben\u00ed plateb by d\u016fchod \u017eivnostn\u00edka s\u00a0n\u00e1rokem v\u00a0roce 2030\u00a0neposunulo o\u00a0v\u00edce ne\u017e p\u0159ibli\u017en\u011b 1\u00a0600\u00a0korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n

Kohoutek nav\u00edc upozornil, \u017ee st\u00e1t postupn\u011b zav\u00e1d\u00ed \u00fapravy, kter\u00e9 maj\u00ed celkov\u011b m\u00edrn\u011b sn\u00ed\u017eit v\u00fd\u0161i nov\u00fdch d\u016fchod\u016f. To dobrovoln\u00e9 zvy\u0161ov\u00e1n\u00ed odvod\u016f d\u00e1le znev\u00fdhod\u0148uje.<\/p>\n

Da\u0148ov\u00e1 poradkyn\u011b Gabriela Ivanco ze spole\u010dnosti Forvis Mazars p\u0159ipomn\u011bla, \u017ee do v\u00fdpo\u010dtu d\u016fchodu vstupuj\u00ed pouze p\u0159\u00edjmy, ze kter\u00fdch bylo odvedeno poji\u0161t\u011bn\u00ed. \u201eP\u0159\u00edjmy z\u00a0akci\u00ed nebo n\u00e1jmu se do v\u00fdpo\u010dtu d\u016fchodu nezahrnuj\u00ed,\u201c dodala.<\/p>\n

Kdy vznik\u00e1 n\u00e1rok na penzi<\/p>\n

Experti tak\u00e9 upozor\u0148uj\u00ed, \u017ee solid\u00e1rnost d\u016fchodov\u00e9ho syst\u00e9mu je\u0161t\u011b zesiluje fakt, \u017ee jsou z\u00a0n\u011bj placeny i\u00a0invalidn\u00ed d\u016fchody. \u010c\u00edm v\u00edce lid\u00e9 odv\u00e1d\u011bj\u00ed, t\u00edm v\u00edce financuj\u00ed i\u00a0ty, kte\u0159\u00ed do d\u016fchodu pro invaliditu odejdou d\u0159\u00edve.<\/p>\n

N\u00e1rok na starobn\u00ed d\u016fchod vznik\u00e1 po dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku a\u00a0zpravidla alespo\u0148 35\u00a0odpracovan\u00fdch let, v\u010detn\u011b p\u0159\u00edpadn\u00e9ho studia \u010di rodi\u010dovsk\u00e9 dovolen\u00e9. D\u016fchodov\u00fd v\u011bk se li\u0161\u00ed podle roku narozen\u00ed, u\u00a0\u017een z\u00e1le\u017e\u00ed i\u00a0na po\u010dtu vychovan\u00fdch d\u011bt\u00ed.<\/p>\n

Vl\u00e1da Andreje Babi\u0161e (ANO) chce v\u011bk znovu zastropovat na 65\u00a0letech. Podle z\u00e1kona prosazen\u00e9ho p\u0159edchoz\u00edm kabinetem Petra Fialy (ODS) by se po roce 2030\u00a0m\u011bl postupn\u011b zvy\u0161ovat a\u017e na 67\u00a0let.<\/p>\n

Kdo chce odej\u00edt d\u0159\u00edve, \u017e\u00e1d\u00e1 o\u00a0p\u0159ed\u010dasn\u00fd d\u016fchod. Na ten je pot\u0159eba alespo\u0148 40\u00a0odpracovan\u00fdch let a\u00a0penze bude trvale kr\u00e1cena podle toho, o\u00a0kolik d\u0159\u00edv \u010dlov\u011bk odch\u00e1z\u00ed. Nov\u011b ale plat\u00ed, \u017ee p\u0159i 45\u00a0letech poji\u0161t\u011bn\u00ed se kr\u00e1cen\u00ed sni\u017euje na polovinu.<\/p>\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Po\u010det vysok\u00fdch d\u016fchod\u016f roste hlavn\u011b proto, \u017ee nov\u00ed penzist\u00e9 m\u011bli vy\u0161\u0161\u00ed celo\u017eivotn\u00ed mzdy a\u00a0jejich d\u016fchody se v\u00a0posledn\u00edch letech…\n","protected":false},"author":2,"featured_media":67654,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[3421,12522,17,21,16,20984,961,18,19,22,20],"class_list":{"0":"post-67653","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-zpravy","8":"tag-duchod","9":"tag-duchodove-pojisteni","10":"tag-headlines","11":"tag-hlavni-udalosti","12":"tag-news","13":"tag-socialni-pojisteni","14":"tag-starobni-duchod","15":"tag-top-news","16":"tag-top-stories","17":"tag-udalosti-dne","18":"tag-zpravy"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116475640139355694","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/67653","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=67653"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/67653\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/67654"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=67653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=67653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=67653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}