{"id":2265,"date":"2020-05-05T11:05:29","date_gmt":"2020-05-05T09:05:29","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=2265"},"modified":"2020-06-22T11:11:28","modified_gmt":"2020-06-22T09:11:28","slug":"predduchod-a-predcasny-duchod","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/","title":{"rendered":"P\u0159edd\u016fchod a p\u0159ed\u010dasn\u00fd d\u016fchod: Jak\u00e9 jsou rozd\u00edly?"},"content":{"rendered":"<p><em>Za posledn\u00ed roky statistiky zaznamen\u00e1vaj\u00ed \u010d\u00edm d\u00e1l v\u00edce lid\u00ed, kte\u0159\u00ed odch\u00e1zej\u00ed do d\u016fchodu d\u0159\u00edve, ne\u017e dos\u00e1hnou ur\u010den\u00e9ho v\u011bku.<\/em> Stoj\u00ed za t\u00edm hned n\u011bkolik d\u016fvod\u016f \u2013 zdrav\u00ed \u010dlov\u011bka, nezam\u011bstnanost \u010di touha dop\u0159\u00e1t si ve st\u00e1\u0159\u00ed aktivn\u00ed \u017eivot, pokud mo\u017eno co nejd\u00e9le. Zva\u017eujete-li p\u0159ed\u010dasn\u00fd d\u016fchod, <strong>po\u0159\u00e1dn\u011b si v\u0161e promyslete<\/strong>. V\u011bd\u011bli jste, \u017ee zaj\u00edmavou variantou je tak\u00e9 p\u0159edd\u016fchod? Ten u n\u00e1s funguje ji\u017e od roku 2013.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a446042485ab\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #666666;color:#666666\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #666666;color:#666666\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a446042485ab\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/#Co_jsou_to_pojmy_%E2%80%9Epredduchod%E2%80%9C_a_%E2%80%9Epredcasny_duchod%E2%80%9C\" >Co jsou to pojmy \u201ep\u0159edd\u016fchod\u201c a \u201ep\u0159ed\u010dasn\u00fd d\u016fchod?\u201c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/#Chcete_odejit_do_duchodu_o_5_let_drive\" >Chcete odej\u00edt do d\u016fchodu o 5 let d\u0159\u00edve?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/#Co_byste_meli_vedet_pred_odchodem_do_predcasneho_duchodu\" >Co byste m\u011bli v\u011bd\u011bt p\u0159ed odchodem do p\u0159ed\u010dasn\u00e9ho d\u016fchodu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/#V_cem_spociva_hlavni_vyhoda_predduchodu\" >V\u00a0\u010dem spo\u010d\u00edv\u00e1 hlavn\u00ed v\u00fdhoda p\u0159edd\u016fchodu?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/#Pri_pobirani_predduchodu_muzete\" >P\u0159i pob\u00edr\u00e1n\u00ed p\u0159edd\u016fchodu m\u016f\u017eete<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/#Pri_pobirani_predcasneho_duchodu_nesmite\" >P\u0159i pob\u00edr\u00e1n\u00ed p\u0159ed\u010dasn\u00e9ho d\u016fchodu nesm\u00edte<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Co_jsou_to_pojmy_%E2%80%9Epredduchod%E2%80%9C_a_%E2%80%9Epredcasny_duchod%E2%80%9C\"><\/span>Co jsou to pojmy \u201ep\u0159edd\u016fchod\u201c a \u201ep\u0159ed\u010dasn\u00fd d\u016fchod?\u201c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pokud jste se s\u00a0pojmem p\u0159edd\u016fchod je\u0161t\u011b nesetkali, rozhodn\u011b si jej neple\u0165te s\u00a0p\u0159ed\u010dasn\u00fdm d\u016fchodem. Hlavn\u00ed rozd\u00edl spo\u010d\u00edv\u00e1 v tom, \u017ee p\u0159ed\u010dasn\u00fd d\u016fchod je vypl\u00e1cen st\u00e1tem s\u00a0trval\u00fdm kr\u00e1cen\u00edm na z\u00e1klad\u011b m\u00edry p\u0159ed\u010dasnosti. Tzn., \u017ee budete m\u00edt trvale ni\u017e\u0161\u00ed d\u016fchod. Naopak p\u0159edd\u016fchodem se rozum\u00ed <strong>\u010derp\u00e1n\u00ed vlastn\u00edch naspo\u0159en\u00fdch prost\u0159edk\u016f<\/strong> z\u00a0penzijn\u00edho spo\u0159en\u00ed, a to je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e dos\u00e1hnete d\u016fchodov\u00e9ho v\u011bku.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Chcete_odejit_do_duchodu_o_5_let_drive\"><\/span>Chcete odej\u00edt do d\u016fchodu o 5 let d\u0159\u00edve?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>P\u0159ed odchodem do p\u0159ed\u010dasn\u00e9ho d\u016fchodu se zamyslete, jak to ud\u011blat <strong>bez zbyte\u010dn\u00fdch finan\u010dn\u00edch ztr\u00e1t<\/strong>. P\u0159ed\u010dasn\u00fd d\u016fchod toti\u017e moc v\u00fdhodn\u00fd nen\u00ed. Za to p\u0159edd\u016fchod je skv\u011bl\u00fdm \u0159e\u0161en\u00edm. Bohu\u017eel o n\u011bm mnoho lid\u00ed nev\u00ed, proto je zat\u00edm jeho vyu\u017eit\u00ed mal\u00e9. Postupem \u010dasu se v\u0161ak zvy\u0161uje, jeliko\u017e z\u00e1jem lid\u00ed roste.<\/p>\n<blockquote><p>Podle statistik \u010cSSZ vypl\u00fdv\u00e1, \u017ee svou v\u00fdd\u011ble\u010dnou \u010dinnost ukon\u010d\u00ed cca ka\u017ed\u00fd t\u0159et\u00ed \u010dlov\u011bk mnohem d\u0159\u00edve, ne\u017e dos\u00e1hne d\u016fchodov\u00e9ho v\u011bku. Nap\u0159. v\u00a0roce 2018 bylo v \u010cesk\u00e9 republice 1\u00a0808\u00a0969 starobn\u00edch d\u016fchodc\u016f, z\u00a0\u010deho\u017e v\u00edce ne\u017e p\u016fl milionu (536\u00a0229) z\u00a0nich pob\u00edralo p\u0159ed\u010dasn\u00fd d\u016fchod.<\/p><\/blockquote>\n<p><iframe loading=\"lazy\" title=\"\u010cek\u00e1 n\u00e1s d\u016fchodov\u00e1 reforma? P\u016fjdou d\u016fchodci do penze a\u017e v 67 letech? | Orange Academy\" width=\"1080\" height=\"608\" src=\"https:\/\/www.youtube.com\/embed\/vmFwaBpCgkI?feature=oembed\"  allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/p>\n<p>P\u0159edd\u016fchod z\u00a0dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed na z\u00e1klad\u011b \u00fadaj\u016f z\u00a0Asociace penzijn\u00edch spole\u010dnost\u00ed v\u00a0roce 2018 \u010derpalo 3 915 osob, v\u00a0roce 2019 ji\u017e 4 455 osob. Pr\u016fm\u011brn\u00e1 \u010d\u00e1stka p\u0159edd\u016fchodu pak v\u00a0lo\u0148sk\u00e9m roce \u010dinila 9 929 K\u010d.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Co_byste_meli_vedet_pred_odchodem_do_predcasneho_duchodu\"><\/span>Co byste m\u011bli v\u011bd\u011bt p\u0159ed odchodem do p\u0159ed\u010dasn\u00e9ho d\u016fchodu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nejv\u011bt\u0161\u00ed chybou lid\u00ed, kte\u0159\u00ed odch\u00e1zej\u00ed do p\u0159ed\u010dasn\u00e9ho d\u016fchodu je, \u017ee si neuv\u011bdomuj\u00ed trval\u00e9 kr\u00e1cen\u00ed jejich penze. Nejde jen o to, v\u00a0jak\u00e9m v\u011bku lze do p\u0159ed\u010dasn\u00e9ho d\u016fchodu odej\u00edt, ale tak\u00e9 jak\u00e1 bude <strong>v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed v\u00fdplaty<\/strong>. \u010c\u00edm d\u0159\u00edve tedy odejdete do <a href=\"https:\/\/orangeacademy.cz\/clanky\/ceka-nas-duchodova-reforma-zvysi-se-duchodovy-vek-na-67-let\/\" target=\"_blank\" rel=\"noopener noreferrer\">starobn\u00edho d\u016fchodu<\/a>, t\u00edm m\u00e9n\u011b pen\u011bz pak od st\u00e1tu ka\u017ed\u00fd m\u011bs\u00edc dostanete.<\/p>\n<p>Spo\u010d\u00edtejte si t\u0159eba, o kolik pen\u011bz byste p\u0159i\u0161li za 20 let pob\u00edr\u00e1n\u00ed t\u00e9to sn\u00ed\u017een\u00e9 \u010d\u00e1stky. Kup\u0159\u00edkladu, jestli\u017ee se rozhodnete pro variantu odchodu do p\u0159ed\u010dasn\u00e9ho d\u016fchodu o 3 roky s\u00a0t\u00edm, \u017ee budete pob\u00edrat deset tis\u00edc korun m\u011bs\u00ed\u010dn\u011b nam\u00edsto dvan\u00e1cti tis\u00edc. Za 20 let pak prod\u011bl\u00e1te t\u00e9m\u011b\u0159 p\u016fl milionu\u00a0korun.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"V_cem_spociva_hlavni_vyhoda_predduchodu\"><\/span>V\u00a0\u010dem spo\u010d\u00edv\u00e1 hlavn\u00ed v\u00fdhoda p\u0159edd\u016fchodu?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jestli\u017ee ji\u017e zva\u017eujete, \u017ee p\u016fjdete jednou do p\u0159ed\u010dasn\u00e9 penze, pop\u0159em\u00fd\u0161lejte o mo\u017enosti p\u0159edd\u016fchodu. Je dobr\u00e9 na tuto alternativu myslet s\u00a0dostate\u010dn\u00fdm p\u0159edstihem, proto\u017ee je zapot\u0159eb\u00ed m\u00edt na\u0161et\u0159eno. Podm\u00ednkou je b\u00fdt <strong>\u00fa\u010dastn\u00edkem dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed<\/strong> alespo\u0148 60 m\u011bs\u00edc\u016f a m\u00edt naspo\u0159en\u00e9 dostate\u010dn\u00e9 prost\u0159edky.<\/p>\n<blockquote><p>Konkr\u00e9tn\u011b se jedn\u00e1 o \u010d\u00e1stku <strong>30 % z\u00a0pr\u016fm\u011brn\u00e9 mzdy,<\/strong> kterou ka\u017edoro\u010dn\u011b vyhla\u0161uje MPSV vyn\u00e1sobenou po\u010dtem m\u011bs\u00edc\u016f, kdy budete v\u00a0p\u0159edd\u016fchodu. P\u0159edd\u016fchod lze \u010derpat nejm\u00e9n\u011b 2 roky, maxim\u00e1ln\u011b 5 let. V\u00a0roce 2020 se jedn\u00e1 o \u010d\u00e1stku pro 2 roky nejm\u00e9n\u011b 240\u00a0696 K\u010d, pro 5 let pak 601 740 K\u010d.<\/p><\/blockquote>\n<p><em>Tip! B\u011bhem p\u0159edd\u016fchodu si m\u016f\u017eete p\u0159ivyd\u011blat.<\/em> Nejsou zde \u017e\u00e1dn\u00e1 omezen\u00ed, co se t\u00fd\u010de v\u00fdd\u011blku. <strong>P\u0159edd\u016fchod je v\u00fdhodn\u011bj\u0161\u00ed ne\u017e p\u0159ed\u010dasn\u00fd d\u016fchod<\/strong>, jak jsme si \u0159ekli, jedn\u00e1 se o \u010derp\u00e1n\u00ed vlastn\u00edch naspo\u0159en\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f z dopl\u0148kov\u00e9ho penzijn\u00edho fondu.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Pri_pobirani_predduchodu_muzete\"><\/span>P\u0159i pob\u00edr\u00e1n\u00ed p\u0159edd\u016fchodu m\u016f\u017eete<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>m\u00edt zam\u011bstn\u00e1n\u00ed,<\/li>\n<li>podnikat,<\/li>\n<li>b\u00fdt v evidenci\u00a0na \u00fa\u0159adu pr\u00e1ce<\/li>\n<li>pob\u00edrat podporu v\u00a0nezam\u011bstnanosti,<\/li>\n<li>pob\u00edrat <a href=\"https:\/\/orangeacademy.cz\/clanky\/invalidni-duchod-kdy-vznika-narok\/\" rel=\"noopener noreferrer\" target=\"_blank\">invalidn\u00ed<\/a>, poz\u016fstalostn\u00ed, p\u0159ed\u010dasn\u00fd i \u0159\u00e1dn\u00fd starobn\u00ed\u00a0d\u016fchod.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Pri_pobirani_predcasneho_duchodu_nesmite\"><\/span>P\u0159i pob\u00edr\u00e1n\u00ed p\u0159ed\u010dasn\u00e9ho d\u016fchodu nesm\u00edte<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>vykon\u00e1vat pracovn\u00ed \u010dinnost, ze kter\u00e9 se plat\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/socialni-pojisteni-v-roce-2020\/\" target=\"_blank\" rel=\"noopener noreferrer\">soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed<\/a>,<\/li>\n<li>pracovat na DPP s limitem nad 10 000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b,<\/li>\n<li>pracovat na DP\u010c s\u00a0limitem nad 3 000 K\u010d m\u011bs\u00ed\u010dn\u011b,<\/li>\n<li>podnikat a p\u0159ekro\u010dit hranici povolen\u00e9ho p\u0159\u00edjmu (v roce 2020 je to \u010d\u00e1stka 83\u00a0603 K\u010d).<\/li>\n<\/ul>\n<p><strong>Tip! Nemus\u00edte se b\u00e1t, pokud nebudete m\u00edt b\u011bhem p\u0159edd\u016fchodu \u017e\u00e1dn\u00fd dal\u0161\u00ed p\u0159\u00edjem. Tato doba se po\u010d\u00edt\u00e1 do tzv. vylou\u010den\u00e9 doby, a tedy se v\u00e1m nesn\u00ed\u017e\u00ed osobn\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad pro v\u00fdpo\u010det starobn\u00ed penze.<\/strong><\/p>\n<p>Spo\u010d\u00edtejte si v\u00fd\u0161i sv\u00e9 penze <a href=\"https:\/\/www.kurzy.cz\/kalkulacka\/kalkulacka-duchodu\/\" target=\"_blank\" rel=\"noopener noreferrer\">v d\u016fchodov\u00e9 kalkula\u010dce<\/a>.<\/p>\n<p><em>Zdroj: Kurzy.cz<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Za posledn\u00ed roky statistiky zaznamen\u00e1vaj\u00ed \u010d\u00edm d\u00e1l v\u00edce lid\u00ed, kte\u0159\u00ed odch\u00e1zej\u00ed do d\u016fchodu d\u0159\u00edve, ne\u017e dos\u00e1hnou ur\u010den\u00e9ho v\u011bku. Stoj\u00ed za t\u00edm hned n\u011bkolik d\u016fvod\u016f \u2013 zdrav\u00ed \u010dlov\u011bka, nezam\u011bstnanost \u010di touha dop\u0159\u00e1t si ve st\u00e1\u0159\u00ed aktivn\u00ed \u017eivot, pokud mo\u017eno co nejd\u00e9le. Zva\u017eujete-li p\u0159ed\u010dasn\u00fd d\u016fchod, po\u0159\u00e1dn\u011b si v\u0161e promyslete. V\u011bd\u011bli jste, \u017ee zaj\u00edmavou variantou je tak\u00e9 p\u0159edd\u016fchod? [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":2266,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[20],"tags":[151,25,7],"class_list":["post-2265","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prace-a-kariera","tag-pojisteni","tag-zakony","tag-zivotni-zmena"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u0159edd\u016fchod a p\u0159ed\u010dasn\u00fd d\u016fchod: Jak\u00e9 jsou rozd\u00edly?<\/title>\n<meta name=\"description\" content=\"Zva\u017eujete-li p\u0159ed\u010dasn\u00fd d\u016fchod, po\u0159\u00e1dn\u011b si v\u0161e promyslete. V\u011bd\u011bli jste, \u017ee zaj\u00edmavou variantou je tak\u00e9 p\u0159edd\u016fchod? 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