{"id":69829,"date":"2026-04-29T04:53:12","date_gmt":"2026-04-29T04:53:12","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/69829\/"},"modified":"2026-04-29T04:53:12","modified_gmt":"2026-04-29T04:53:12","slug":"tretina-duchodcu-bere-pod-20-tisic-jak-zjistit-vysi-penze-predem","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/69829\/","title":{"rendered":"T\u0159etina d\u016fchodc\u016f bere pod 20\u00a0tis\u00edc. Jak zjistit v\u00fd\u0161i penze p\u0159edem"},"content":{"rendered":"

Orienta\u010dn\u011b si zjistit, kolik budou pob\u00edrat, by si tak m\u011bli i\u00a0daleko mlad\u0161\u00ed lid\u00e9. A\u00a0to u\u017e jen kv\u016fli tomu, aby pak nebyli nemile p\u0159ekvapeni a\u00a0sta\u010dili se na st\u00e1\u0159\u00ed zajistit i\u00a0jinak. <\/p>\n

Vyu\u017e\u00edt k\u00a0tomu lze speci\u00e1ln\u00ed Informativn\u00ed d\u016fchodovou aplikaci<\/a> \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed. \u201eTa bez ohledu na v\u011bk vypo\u010d\u00edt\u00e1 aktu\u00e1ln\u00ed odhad v\u00fd\u0161e starobn\u00edho d\u016fchodu,\u201c uvedla v\u00a0t\u00e9 souvislosti soci\u00e1lka.<\/p>\n

Pro p\u0159ihl\u00e1\u0161en\u00ed do n\u00ed je nutn\u00e1 elektronick\u00e1 identita ob\u010dana nebo datov\u00e1 schr\u00e1nka. Ale nen\u00ed to nic slo\u017eit\u00e9ho, mezi prost\u0159edky elektronick\u00e9 identity pat\u0159\u00ed vedle eOb\u010danky \u010di Mobiln\u00edho kl\u00ed\u010de eGovernmentu nap\u0159\u00edklad i\u00a0bankovn\u00ed identita. To jsou p\u0159\u00edstupov\u00e9 \u00fadaje do elektronick\u00e9ho bankovnictv\u00ed, p\u0159i\u010dem\u017e banka neuvid\u00ed, jak\u00fd d\u016fchod budou lid\u00e9 br\u00e1t v\u00a0penzi, \u010cSSZ pak neuvid\u00ed na bankovn\u00ed \u00fa\u010det.<\/p>\n

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

V aplikaci lze i\u00a0zjistit datum sv\u00e9ho odchodu do d\u016fchodu \u010di zkontrolovat, zda soci\u00e1lka eviduje v\u0161echny odpracovan\u00e9 roky a\u00a0p\u0159\u00edpadn\u011b je upravit \u010di doplnit.<\/p>\n

To druh\u00e9 umo\u017e\u0148uje i\u00a0aplikace \u010cSSZ zvan\u00e1 Moje konto<\/a>. Lze v\u00a0n\u00ed zobrazit evidovan\u00e9 doby poji\u0161t\u011bn\u00ed, doplnit ty chyb\u011bj\u00edc\u00ed v\u010detn\u011b p\u0159\u00edloh a\u00a0navrhnout jejich prov\u011b\u0159en\u00ed \u010di \u00fapravu.<\/p>\n

Z penzijka lze m\u011bs\u00ed\u010dn\u011b \u010derpat i\u00a0p\u0159es deset tis\u00edc<\/p>\n

N\u00edzk\u00e1 penze tak \u010dlov\u011bka zastihne v\u00a0okam\u017eiku, kdy m\u00e1 v\u00fdrazn\u011b zv\u00fd\u0161en\u00e9 v\u00fddaje za l\u00e9ky a\u00a0zdravotn\u00ed slu\u017eby. Nemluv\u011b o\u00a0tom, \u017ee pokud z\u016fstane bez partnera, spolyk\u00e1 v\u00a0mnoha p\u0159\u00edpadech jej\u00ed v\u011bt\u0161inu n\u00e1jem.<\/p>\n

Nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edm n\u00e1strojem, kter\u00fdm si \u010dlov\u011bk m\u016f\u017ee dop\u0159edu zv\u00fd\u0161it p\u0159\u00edjmy ve st\u00e1\u0159\u00ed, je dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. Pokud je mlad\u0161\u00ed, m\u011bl by zvolit sp\u00ed\u0161e dynamick\u00e9 a\u00a0vyv\u00e1\u017een\u00e9 fondy ne\u017e ty konzervativn\u00ed. Jsou sice rizikov\u011bj\u0161\u00ed a\u00a0kr\u00e1tkodob\u011b mohou j\u00edt i\u00a0do minusu, ale dlouhodob\u011b u\u00a0nich b\u00fdv\u00e1 v\u00fdnos pr\u016fm\u011brn\u011b vy\u0161\u0161\u00ed<\/a>.<\/p>\n

U\u00a0dynamick\u00fdch to je 7,15\u00a0procenta ro\u010dn\u011b, u\u00a0vyv\u00e1\u017een\u00fdch 4,14\u00a0procenta. Konzervativn\u00ed se zhodnocuj\u00ed v\u00a0pr\u016fm\u011bru o\u00a01,31\u00a0procenta a\u00a0star\u00e9 transformovan\u00e9 fondy, do nich\u017e u\u017e nen\u00ed mo\u017en\u00e9 vstupovat, o\u00a01,19\u00a0procenta.<\/p>\n

Fondy nab\u00edzej\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek a\u017e 340\u00a0korun m\u011bs\u00ed\u010dn\u011b a\u00a0da\u0148ov\u00e9 \u00falevy a\u017e 7200\u00a0korun ro\u010dn\u011b. Zam\u011bstnavatel\u00e9 mohou lidem p\u0159isp\u00edvat a\u017e 50\u00a0tis\u00edc korun ro\u010dn\u011b, p\u0159i\u010dem\u017e se z\u00a0toho neodv\u00e1d\u00ed soci\u00e1ln\u00ed ani zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

Pokud by tak \u010dlov\u011bk podle kalkula\u010dky penzijn\u00ed spole\u010dnosti Generali <\/a>za\u010dal ve \u010dty\u0159iceti spo\u0159it 2500\u00a0korun m\u011bs\u00ed\u010dn\u011b, p\u011btistovku mu p\u0159isp\u00edval zam\u011bstnavatel a\u00a0m\u011bl pr\u016fm\u011brn\u00e9 zhodnocen\u00ed sedm procent ro\u010dn\u011b, naspo\u0159il by do 65\u00a0let a\u017e 2,65\u00a0milionu. Po dvacet let by pak z\u00a0toho dost\u00e1val m\u011bs\u00ed\u010dn\u00ed penzi 11\u00a0tis\u00edc korun.<\/p>\n

Dal\u0161\u00ed mo\u017enost\u00ed je Dlouhodob\u00fd investi\u010dn\u00ed produkt. Umo\u017e\u0148uje investovat nap\u0159\u00edklad do akci\u00ed \u010di pod\u00edlov\u00fdch nebo ETF fond\u016f. \u010clov\u011bk m\u016f\u017ee na dani ro\u010dn\u011b u\u0161et\u0159it a\u017e 7200\u00a0korun a\u00a0vyu\u017e\u00edt p\u0159\u00edsp\u011bvky zam\u011bstnavatele.<\/p>\n

Oba zp\u016fsoby lze kombinovat, nav\u00edc je mo\u017en\u00e9 v\u00a0investic\u00edch pokra\u010dovat i\u00a0v penzi. Ale lze investovat i\u00a0mimo tyto produkty, nap\u0159\u00edklad do pod\u00edlov\u00fdch \u010di ETF fond\u016f.<\/p>\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Orienta\u010dn\u011b si zjistit, kolik budou pob\u00edrat, by si tak m\u011bli i\u00a0daleko mlad\u0161\u00ed lid\u00e9. A\u00a0to u\u017e jen kv\u016fli tomu,…\n","protected":false},"author":2,"featured_media":69830,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[6195,23256,3421,2704,6196,17,21,69,16,3834,471,470,23255,18,19,22,20],"class_list":{"0":"post-69829","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-zpravy","8":"tag-ceska-sprava-socialniho-zabezpeceni-cssz","9":"tag-dlouhodoby-investicni-produkt-dip","10":"tag-duchod","11":"tag-duchodci","12":"tag-eportal-cssz","13":"tag-headlines","14":"tag-hlavni-udalosti","15":"tag-investice","16":"tag-news","17":"tag-penze","18":"tag-penzijni-fondy","19":"tag-penzijni-sporeni","20":"tag-penziste","21":"tag-top-news","22":"tag-top-stories","23":"tag-udalosti-dne","24":"tag-zpravy"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116486209721669145","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/69829","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=69829"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/69829\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/69830"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=69829"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=69829"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=69829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}