{"id":82709,"date":"2026-05-12T04:31:08","date_gmt":"2026-05-12T04:31:08","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/82709\/"},"modified":"2026-05-12T04:31:08","modified_gmt":"2026-05-12T04:31:08","slug":"ctvrtmilionovy-duchod-existuje-novy-ale-vzniknout-nemuze","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/82709\/","title":{"rendered":"\u010ctvrtmilionov\u00fd d\u016fchod existuje. Nov\u00fd ale vzniknout nem\u016f\u017ee"},"content":{"rendered":"

\u201eKe konci lo\u0148sk\u00e9ho roku \u010dinil nejvy\u0161\u0161\u00ed samostatn\u011b vypl\u00e1cen\u00fd starobn\u00ed d\u016fchod 249\u00a0674\u00a0korun m\u011bs\u00ed\u010dn\u011b,\u201c sd\u011blila mluv\u010d\u00ed \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed Jitka Drmolov\u00e1. <\/p>\n

P\u0159\u00edjemci takto mimo\u0159\u00e1dn\u00fdch penz\u00ed b\u00fdvaj\u00ed podle n\u00ed vrcholov\u00ed mana\u017ee\u0159i nebo \u0161pi\u010dkov\u00ed odborn\u00edci s\u00a0p\u0159\u00edjmy v\u00a0\u0159\u00e1du milion\u016f a\u017e des\u00edtek milion\u016f korun ro\u010dn\u011b po dlouh\u00e1 desetilet\u00ed. Kl\u00ed\u010dovou roli p\u0159itom hraj\u00ed p\u0159\u00edjmy zejm\u00e9na p\u0159ed rokem 2007, kdy je\u0161t\u011b neplatilo zastropov\u00e1n\u00ed vym\u011b\u0159ovac\u00edho z\u00e1kladu.<\/p>\n

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

Jako p\u0159\u00edklad Drmolov\u00e1 uvedla zam\u011bstnance s\u00a0ro\u010dn\u00edm p\u0159\u00edjmem 150\u00a0milion\u016f korun. V\u00a0roce 2007\u00a0\u010dinil sou\u010det jeho odvod\u016f a\u00a0p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele na soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed zhruba 51\u00a0milion\u016f. Po zaveden\u00ed maxim\u00e1ln\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu v\u00a0roce 2008\u00a0by to bylo jen asi 352\u00a0tis\u00edc korun\u00a0\u2013 tedy m\u00e9n\u011b ne\u017e jedno procento p\u016fvodn\u00ed \u010d\u00e1stky.<\/p>\n

\u201eZ\u00e1vist nen\u00ed na m\u00edst\u011b. Ten odvod na soci\u00e1ln\u00edm poji\u0161t\u011bn\u00ed byl tak vysok\u00fd, \u017ee ani s\u00a0takov\u00fdm d\u016fchodem se to za \u017eivota nevr\u00e1t\u00ed. Naopak ten \u010dlov\u011bk p\u0159isp\u011bl sv\u00fdm odvodem na je\u0161t\u011b \u0159adu jin\u00fdch d\u016fchod\u016f,\u201c uvedl d\u016fchodov\u00fd poradce Martin Kohoutek.<\/p>\n

S v\u00fdpo\u010dtem lze po\u010dkat<\/p>\n

Maxim\u00e1ln\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad je dnes nastaven na 48n\u00e1sobek pr\u016fm\u011brn\u00e9 mzdy\u00a0\u2013 pro rok 2026\u00a0to je 2\u00a0350\u00a0416\u00a0korun ro\u010dn\u011b. Z\u00a0p\u0159\u00edjm\u016f nad tento limit se soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed neplat\u00ed a\u00a0do v\u00fdpo\u010dtu budouc\u00ed penze se nezahrnuj\u00ed. Syst\u00e9m tak od roku 2008\u00a0v\u00fdrazn\u011b omezuje vliv mimo\u0159\u00e1dn\u011b vysok\u00fdch v\u00fdd\u011blk\u016f na v\u00fdsledn\u00fd d\u016fchod.<\/p>\n

Na v\u00fd\u0161i d\u016fchodu ale nemaj\u00ed vliv jen p\u0159\u00edjmy. Lid\u00e9 si mohou nechat d\u016fchod vypo\u010d\u00edtat nejen p\u0159i dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku, ale i\u00a0pozd\u011bji. Takzvan\u00fd odlo\u017een\u00fd odchod do penze pak m\u016f\u017ee v\u00fdslednou \u010d\u00e1stku v\u00fdrazn\u011b nav\u00fd\u0161it\u00a0\u2013 za ka\u017ed\u00fdch 90\u00a0dn\u00ed pr\u00e1ce nav\u00edc po dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku roste procentn\u00ed v\u00fdm\u011bra o\u00a01,5\u00a0procenta v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu. U\u00a0lid\u00ed s\u00a0mimo\u0159\u00e1dn\u011b vysok\u00fdmi d\u016fchody p\u0159itom nen\u00ed v\u00fdjimkou, \u017ee pracovali o\u00a0p\u011bt a\u017e deset let d\u00e9le, ne\u017e museli.<\/p>\n

Historick\u00e1 pravidla v\u00fdpo\u010dtu penz\u00ed jsou stejn\u011b z\u00e1sadn\u00ed. A\u017e do roku 2014\u00a0existovaly t\u0159i reduk\u010dn\u00ed hranice, podle nich\u017e st\u00e1t p\u0159i v\u00fdpo\u010dtu d\u016fchodu zkracuje vysok\u00e9 p\u0159\u00edjmy\u00a0\u2013 p\u0159i\u010dem\u017e se \u010d\u00e1ste\u010dn\u011b zohled\u0148ovaly i\u00a0ty nad nejvy\u0161\u0161\u00ed hranic\u00ed. Od roku 2015\u00a0funguj\u00ed jen dv\u011b a\u00a0k p\u0159\u00edjm\u016fm nad druhou se v\u016fbec nep\u0159ihl\u00ed\u017e\u00ed. \u010c\u00edm v\u00edce tedy \u010dlov\u011bk vyd\u011bl\u00e1val, t\u00edm men\u0161\u00ed \u010d\u00e1st jeho p\u0159\u00edjm\u016f se do v\u00fdpo\u010dtu prom\u00edt\u00e1.<\/p>\n

\u201eKdy\u017e tedy n\u011bkdo vyd\u011bl\u00e1val hodn\u011b a\u00a0n\u011bkdo je\u0161t\u011b v\u00edc, do v\u00fdpo\u010dtu d\u016fchodu jim vstoup\u00ed shodn\u00fd osobn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad, kter\u00fd je rovn\u00fd \u010dty\u0159n\u00e1sobku pr\u016fm\u011brn\u00e9 mzdy,\u201c vysv\u011btlil Kohoutek. \u201eV sou\u010dasnosti je tak p\u0159izn\u00e1n\u00ed starobn\u00edho d\u016fchodu ve v\u00fd\u0161i 250\u00a0tis\u00edc korun prakticky nemo\u017en\u00e9,\u201c dodala Drmolov\u00e1. \u010clov\u011bk s\u00a0nadpr\u016fm\u011brnou mzdou a\u00a049\u00a0odpracovan\u00fdmi lety dnes dos\u00e1hne na penzi nejv\u00fd\u0161 kolem 51\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n

Roli hraj\u00ed i\u00a0valorizace<\/p>\n

V\u00fdrazn\u00fd vliv maj\u00ed i\u00a0pravideln\u00e9 valorizace. Penze se v\u00a0\u010cesku ka\u017edoro\u010dn\u011b zvy\u0161uj\u00ed o\u00a0inflaci a\u00a0\u010d\u00e1st r\u016fstu mezd, p\u0159i\u010dem\u017e u\u00a0vysok\u00fdch d\u016fchod\u016f se to v\u00a0absolutn\u00edch \u010d\u00edslech projev\u00ed mnohem v\u00fdrazn\u011bji ne\u017e u\u00a0pr\u016fm\u011brn\u00fdch. Nap\u0159\u00edklad p\u0159i leto\u0161n\u00ed valorizaci o\u00a02,6\u00a0procenta vzrostla procentn\u00ed v\u00fdm\u011bra d\u016fchodu ve v\u00fd\u0161i 20\u00a0tis\u00edc korun o\u00a0520\u00a0korun m\u011bs\u00ed\u010dn\u011b. U\u00a0penze 150\u00a0tis\u00edc korun to bylo 3900\u00a0korun.<\/p>\n

\u201eExtr\u00e9mn\u011b vysok\u00e9 d\u016fchody jsou poz\u016fstatkem p\u0159edchoz\u00ed pr\u00e1vn\u00ed \u00fapravy. Tehdy limit osobn\u00edho vym\u011b\u0159ovac\u00edho z\u00e1kladu neexistoval a\u00a0je\u0161t\u011b d\u0159\u00edve ani neexistoval maxim\u00e1ln\u00ed ro\u010dn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad,\u201c shrnul Kohoutek.<\/p>\n

Pokud n\u011bkdo odch\u00e1zel do d\u016fchodu v\u00a0roce 2008\u00a0a\u00a0nav\u00edc je\u0161t\u011b n\u011bjakou dobu pracoval\u00a0\u2013 tedy odlo\u017eil p\u0159izn\u00e1n\u00ed penze\u00a0\u2013 mohl se podle n\u011bj dostat na d\u016fchod kolem 140\u00a0tis\u00edc korun. \u201eK tomu nap\u0159\u00edklad v\u00a0letech 1986\u00a0a\u017e 2007\u00a0sta\u010dily ro\u010dn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klady 2,5\u00a0a\u017e 10\u00a0milion\u016f korun. Po valorizac\u00edch je to onen \u010dtvrtmilion,\u201c dodal Kohoutek s\u00a0t\u00edm, \u017ee \u0161lo o\u00a0kombinaci p\u0159\u00edzniv\u00fdch podm\u00ednek, kter\u00e1 se dnes opakovat ned\u00e1.<\/p>\n

Pr\u016fm\u011brn\u00fd d\u016fchod dos\u00e1hl na konci b\u0159ezna 21\u00a0793\u00a0korun. Byl tak o\u00a0trochu v\u00fd\u0161 ne\u017e medi\u00e1n, kter\u00fd v\u00a0t\u00e9 dob\u011b \u010dinil 21\u00a0709\u00a0korun. D\u00edky rostouc\u00edm mzd\u00e1m a\u00a0valorizac\u00edm p\u0159ib\u00fdv\u00e1 lid\u00ed s\u00a0vy\u0161\u0161\u00edmi penzemi\u00a0\u2013 zat\u00edmco v\u00a0roce 2015\u00a0pob\u00edralo v\u00edce ne\u017e t\u0159icet tis\u00edc korun osm stovek lid\u00ed, loni jich bylo p\u0159es 82\u00a0tis\u00edc. V\u00edce ne\u017e sedmdes\u00e1titis\u00edcovou penzi pob\u00edr\u00e1 p\u0159ibli\u017en\u011b sto lid\u00ed. Nejni\u017e\u0161\u00ed vypl\u00e1cen\u00fd starobn\u00ed d\u016fchod loni \u010dinil pouh\u00fdch 156\u00a0korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u201eKe konci lo\u0148sk\u00e9ho roku \u010dinil nejvy\u0161\u0161\u00ed samostatn\u011b vypl\u00e1cen\u00fd starobn\u00ed d\u016fchod 249\u00a0674\u00a0korun m\u011bs\u00ed\u010dn\u011b,\u201c sd\u011blila mluv\u010d\u00ed \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed…\n","protected":false},"author":2,"featured_media":82710,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[43,42,41,40,3421,11444,961,15784],"class_list":["post-82709","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-odvody","tag-starobni-duchod","tag-valorizace"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116559733521073741","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/82709","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=82709"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/82709\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/82710"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=82709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=82709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=82709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}