[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.g2w.cz\/proc-se-vyplati-setrit-penize-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.g2w.cz\/proc-se-vyplati-setrit-penize-na-duchod\/","headline":"Pro\u010d se vyplat\u00ed \u0161et\u0159it pen\u00edze na d\u016fchod?","name":"Pro\u010d se vyplat\u00ed \u0161et\u0159it pen\u00edze na d\u016fchod?","description":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed pat\u0159\u00ed do tak zvan\u00e9ho t\u0159et\u00edho d\u016fchodov\u00e9ho pil\u00ed\u0159e. Do tohoto pil\u00ed\u0159e pat\u0159\u00ed i dopl\u0148kov\u00e9 penzijn\u00edho spo\u0159en\u00ed. Podle dostupn\u00fdch informac\u00ed v prvn\u00ed variant\u011b poji\u0161t\u011bn\u00ed je … ","datePublished":"2018-05-02","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.g2w.cz\/author\/#Person","name":"g2w.cz\n","url":"https:\/\/www.g2w.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"g2w.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.g2w.cz\/wp-content\/uploads\/img_a319495_w1915_t1530520326.jpg","url":"https:\/\/www.g2w.cz\/wp-content\/uploads\/img_a319495_w1915_t1530520326.jpg","height":0,"width":0},"url":"https:\/\/www.g2w.cz\/proc-se-vyplati-setrit-penize-na-duchod\/","about":["Finance"],"wordCount":540,"articleBody":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed pat\u0159\u00ed do tak zvan\u00e9ho t\u0159et\u00edho d\u016fchodov\u00e9ho pil\u00ed\u0159e. Do tohoto pil\u00ed\u0159e pat\u0159\u00ed i dopl\u0148kov\u00e9 penzijn\u00edho spo\u0159en\u00ed. Podle dostupn\u00fdch informac\u00ed v prvn\u00ed variant\u011b poji\u0161t\u011bn\u00ed je a\u017e 3,7 milionu smluv a v nov\u00e9 variant\u011b je t\u00e9m\u011b\u0159 milion tis\u00edc smluv.\tPokud se pt\u00e1te, zda je spr\u00e1vn\u011b si na d\u016fchod \u0161et\u0159it, tak se pt\u00e1te spr\u00e1vn\u011b a odpov\u011b\u010f je jednozna\u010dn\u011b ano. Kdy\u017e si k tomu p\u0159ipo\u010d\u00edt\u00e1te \u0161t\u011bdrou st\u00e1tn\u00ed podporu st\u00e1tu a zam\u011bstnavatel\u016f, st\u00e1v\u00e1 se tento typ spo\u0159en\u00ed na d\u016fchod jedn\u00edm z t\u011bch, kter\u00e9 se na finan\u010dn\u00edm trhu nejv\u00edce vyplat\u00ed.\tJakou variantu si vybrat?\tPokud se neum\u00edte rozhodnout mezi star\u0161\u00ed variantou a nov\u011bj\u0161\u00ed variantou penzijn\u00edho poji\u0161t\u011bn\u00ed \u010di spo\u0159en\u00ed, mo\u017en\u00e1 v\u00e1s p\u0159ekvap\u00ed, \u017ee u t\u011bchto obou druh\u016f smluv lze \u010derpat st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek a\u017e do v\u00fd\u0161e 230,- K\u010d m\u011bs\u00ed\u010dn\u011b a pokud budete m\u011bs\u00ed\u010dn\u011b pos\u00edlat i vy\u0161\u0161\u00ed \u010d\u00e1stku ne\u017e tis\u00edc korun, m\u016f\u017eete si pak sn\u00ed\u017eit i da\u0148ov\u00fd z\u00e1klad.\tZ\u00e1kladn\u00edm rozd\u00edlem mezi ob\u011bma pak je, \u017ee penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed si ji\u017e od roku 2013 nelze sjednat. Nov\u00ed z\u00e1jemci, kte\u0159\u00ed cht\u011bj\u00ed spo\u0159it na penzi si tak mohou sjednat ji\u017e pouze dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. Star\u00e1 smlouva v\u0161ak m\u016f\u017ee pokra\u010dovat, pokud nechce p\u0159ev\u00e1d\u011bt svou starou smolovou pr\u00e1v\u011b na nov\u00e9 podm\u00ednky spo\u0159en\u00ed.\tDal\u0161\u00edm velmi v\u00fdrazn\u00fdm rozd\u00edlem je, \u017ee v p\u016fvodn\u00ed verzi st\u00e1t p\u0159\u00edmo poskytovatel\u016fm na\u0159izuje, co sm\u00ed s pen\u011bzi d\u011blat, kam je mohou a nemohou investovat. Smlouva se nap\u0159\u00edklad nikdy nemohla dostat do m\u00ednusu a existuje zde GARANCE, \u017ee ze smlouvy dostanete minim\u00e1ln\u011b to, co jste si na spo\u0159en\u00ed zas\u00edlali.\tU nov\u00e9 varianty v\u0161ak ji\u017e tak p\u0159\u00edsn\u00e9 podm\u00ednky nejsou a ze strany st\u00e1tu existuje pouze regulace a dozor centr\u00e1ln\u00ed banky, aby penzijn\u00ed spole\u010dnosti s pen\u011bzi sv\u00fdch klient\u016f nepracovali p\u0159\u00edli\u0161 odv\u00e1\u017en\u011b. Oproti p\u016fvodn\u00edm smlouv\u00e1m v\u0161ak m\u016f\u017eou spole\u010dnosti investovat va\u0161e pen\u00edze ji\u017e ve v\u011bt\u0161\u00edm riziku. Lid\u00e9 si p\u0159i z\u0159\u00edzen\u00ed mohou nastavit svoji vlastn\u00ed investi\u010dn\u00ed strategii, tedy spole\u010dnosti diktuj\u00ed, jak se s jejich pen\u011bzi bude zach\u00e1zet. Zde u t\u011bchto nov\u00fdch produkt\u016f v\u0161ak neexistuje omezen\u00ed, \u017ee se smlouva nesm\u00ed dostat do m\u00ednusu. V r\u00e1mci toho, \u017ee konkurence na poli tohoto produktu je velmi v\u00fdrazn\u00e1, existuj\u00ed i penzijn\u00ed spole\u010dnosti, kter\u00e9 ji\u017e sv\u00fdm klient\u016fm tak\u00e9 jistou garanci toho, \u017ee se jim \u010d\u00e1st pen\u011bz ur\u010dit\u011b vr\u00e1t\u00ed, poskytuj\u00ed.\t\u00a0\tPro\u010d je v\u00fdhodn\u00e9 \u0161e\u0159it na d\u016fchod takto?\tPokud byste si platili 3.000,- K\u010d m\u011bs\u00ed\u010dn\u011b, budete z\u00edsk\u00e1vat ro\u010dn\u011b \u00fapln\u011b pln\u00fd st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, co\u017e je za rok 2.760,- K\u010d a da\u0148ov\u00fd z\u00e1klad si pak m\u016f\u017eete sn\u00ed\u017eit a\u017e o 24.000,- K\u010d za rok.                                                                                                                                                                                                                                                                                                                                                                                         4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d se vyplat\u00ed \u0161et\u0159it pen\u00edze na d\u016fchod?","item":"https:\/\/www.g2w.cz\/proc-se-vyplati-setrit-penize-na-duchod\/#breadcrumbitem"}]}]