{"id":5099,"date":"2025-09-17T09:16:37","date_gmt":"2025-09-17T07:16:37","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=5099"},"modified":"2025-09-26T11:46:24","modified_gmt":"2025-09-26T09:46:24","slug":"penzijni-sporeni","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/","title":{"rendered":"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?"},"content":{"rendered":"<p><b>Penzijn\u00ed spo\u0159en\u00ed je\u00a0 jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch n\u00e1stroj\u016f, jak si zajistit finan\u010dn\u00ed jistotu na st\u00e1\u0159\u00ed. V posledn\u00edch letech pro\u0161lo syst\u00e9m n\u011bkolika zm\u011bnami a dnes nab\u00edz\u00ed v\u00edce variant, kter\u00e9 se li\u0161\u00ed v\u00fdnosy, rizikem i da\u0148ov\u00fdmi v\u00fdhodami. Jak\u00e9 jsou hlavn\u00ed mo\u017enosti a jak si vybrat tu spr\u00e1vnou?<\/b><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 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-6a1c5583b5db8\" 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-6a1c5583b5db8\"  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\/penzijni-sporeni\/#1_Penzijni_pripojisteni_transformovane_fondy\" >1. Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed (transformovan\u00e9 fondy)<\/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\/penzijni-sporeni\/#2_Doplnkove_penzijni_sporeni_ucastnicke_fondy\" >2. Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (\u00fa\u010dastnick\u00e9 fondy)<\/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\/penzijni-sporeni\/#Proc_se_vyplati_mit_penzijni_sporeni\" >Pro\u010d se vyplat\u00ed m\u00edt penzijn\u00ed spo\u0159en\u00ed?<\/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\/penzijni-sporeni\/#Penzijni_sporeni_Ochrana_pro_budoucnost_vas_i_vasich_deti\" >Penzijn\u00ed spo\u0159en\u00ed: Ochrana pro budoucnost v\u00e1s i va\u0161ich d\u011bt\u00ed<\/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\/penzijni-sporeni\/#Jak_si_vybrat_spravne_penzijni_sporeni\" >Jak si vybrat spr\u00e1vn\u00e9 penzijn\u00ed spo\u0159en\u00ed?<\/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\/penzijni-sporeni\/#3_DIP_%E2%80%93_Dlouhodoby_investicni_produkt\" >3. DIP \u2013 Dlouhodob\u00fd investi\u010dn\u00ed produkt<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Penzijni_pripojisteni_transformovane_fondy\"><\/span><span style=\"font-weight: 400;\">1. Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed (transformovan\u00e9 fondy)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je <strong>star\u0161\u00ed forma spo\u0159en\u00ed, kterou \u0161lo sjednat pouze do konce roku 2012<\/strong>. Dnes u\u017e nov\u00e9 smlouvy vznikat nemohou, ale st\u00e1vaj\u00edc\u00ed \u00fa\u010dastn\u00edci mohou pokra\u010dovat. Hlavn\u00ed v\u00fdhody a nev\u00fdhody:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Garance nez\u00e1porn\u00e9ho zhodnocen\u00ed<\/strong> \u2013 nikdy nem\u016f\u017eete prod\u011blat, ale v\u00fdnosy jsou velmi n\u00edzk\u00e9 (v\u011bt\u0161inou 0\u20132 % ro\u010dn\u011b).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mo\u017enost v\u00fdb\u011bru poloviny \u00faspor po 15 letech bez sankce.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nev\u00fdhodou je, \u017ee dlouhodob\u011b nepor\u00e1\u017e\u00ed inflaci, investice jsou velmi konzervativn\u00ed.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2_Doplnkove_penzijni_sporeni_ucastnicke_fondy\"><\/span><span style=\"font-weight: 400;\">2. Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (\u00fa\u010dastnick\u00e9 fondy)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed je modern\u011bj\u0161\u00ed produkt, kter\u00fd je dostupn\u00fd od roku 2013. Nab\u00edz\u00ed v\u011bt\u0161\u00ed flexibilitu a mo\u017enost volby investi\u010dn\u00ed strategie podle v\u011bku a vztahu k riziku.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>V\u00fdb\u011br fond\u016f:<\/strong> konzervativn\u00ed, vyv\u00e1\u017een\u00e9, dynamick\u00e9 \u2013 ka\u017ed\u00fd m\u00e1 jin\u00e9 slo\u017een\u00ed a potenci\u00e1ln\u00ed v\u00fdnosy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Vy\u0161\u0161\u00ed v\u00fdnosy<\/strong>: dynamick\u00e9 fondy mohou dosahovat i 6\u201312 % ro\u010dn\u011b, ale bez garance.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>St\u00e1tn\u00ed podpora:<\/strong> a\u017e 340 K\u010d m\u011bs\u00ed\u010dn\u011b p\u0159i vkladu 1.700 K\u010d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Da\u0148ov\u00e1 \u00faleva:<\/strong> a\u017e 24.000 K\u010d ro\u010dn\u011b (p\u0159i vy\u0161\u0161\u00edch vkladech).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>P\u0159\u00edsp\u011bvek zam\u011bstnavatele:<\/strong> a\u017e 50.000 K\u010d ro\u010dn\u011b bez zdan\u011bn\u00ed.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Penzijn\u00ed spo\u0159en\u00ed p\u0159edstavuje chytr\u00fd zp\u016fsob, jak si<strong> vytvo\u0159it finan\u010dn\u00ed rezervu na obdob\u00ed, kdy u\u017e nebudete aktivn\u011b pracovat.<\/strong> St\u00e1tn\u00ed d\u016fchod s\u00e1m o sob\u011b \u010dasto nesta\u010d\u00ed k udr\u017een\u00ed \u017eivotn\u00edho standardu, na kter\u00fd jste zvykl\u00ed.Proto je d\u016fle\u017eit\u00e9 myslet dop\u0159edu a budovat si vlastn\u00ed zdroje. <\/span><span style=\"font-weight: 400;\">Tento produkt spojuje v\u00fdhody pravideln\u00e9ho spo\u0159en\u00ed, <a href=\"https:\/\/orangeacademy.cz\/clanky\/doplnkove-penzijni-sporeni\/\" target=\"_blank\" rel=\"noopener\">investov\u00e1n\u00ed a podpory od st\u00e1tu.<\/a> K va\u0161im vklad\u016fm m\u016f\u017ee p\u0159isp\u00edvat nejen st\u00e1t, ale i v\u00e1\u0161 zam\u011bstnavatel, co\u017e v\u00fdrazn\u011b zvy\u0161uje celkovou hodnotu \u00faspor. Va\u0161e pen\u00edze se <strong>zhodnocuj\u00ed v \u00fa\u010dastnick\u00fdch fondech, kter\u00e9 si m\u016f\u017eete vybrat podle sv\u00e9 investi\u010dn\u00ed strategie<\/strong> \u2013 od konzervativn\u00edch a\u017e po dynamick\u00e9. D\u00edky tomu m\u00e1te mo\u017enost ovlivnit, jak se va\u0161e \u00faspory budou vyv\u00edjet.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Proc_se_vyplati_mit_penzijni_sporeni\"><\/span><span style=\"font-weight: 400;\">Pro\u010d se vyplat\u00ed m\u00edt penzijn\u00ed spo\u0159en\u00ed?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Zalo\u017een\u00ed bez poplatk\u016f:<\/strong> Uzav\u0159en\u00ed smlouvy je zcela zdarma, neplat\u00edte \u017e\u00e1dn\u00e9 vstupn\u00ed poplatky.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Flexibiln\u00ed v\u00fd\u0161e vkladu:<\/strong> Sami si ur\u010dujete, kolik budete m\u011bs\u00ed\u010dn\u011b spo\u0159it, a v\u00fd\u0161i p\u0159\u00edsp\u011bvku m\u016f\u017eete kdykoliv bezplatn\u011b upravit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek:<\/strong> Pokud si odkl\u00e1d\u00e1te alespo\u0148 500 K\u010d m\u011bs\u00ed\u010dn\u011b, st\u00e1t v\u00e1m p\u0159isp\u011bje. Ro\u010dn\u011b tak m\u016f\u017eete z\u00edskat podporu a\u017e 11.280 K\u010d.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>P\u0159\u00edsp\u011bvek od zam\u011bstnavatele:<\/strong> Zam\u011bstnavatel v\u00e1m m\u016f\u017ee p\u0159isp\u00edvat na penzijn\u00ed spo\u0159en\u00ed, a to bez odvod\u016f na zdravotn\u00ed a soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Zhodnocen\u00ed podle va\u0161\u00ed volby:<\/strong> Va\u0161e \u00faspory se zhodnocuj\u00ed podle zvolen\u00e9 investi\u010dn\u00ed strategie, tak\u017ee v\u00fdsledek m\u016f\u017eete ovlivnit sv\u00fdm rozhodnut\u00edm.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Mo\u017enost p\u0159edd\u016fchodu:<\/strong> D\u00edky penzijn\u00edmu spo\u0159en\u00ed m\u016f\u017eete odej\u00edt do p\u0159edd\u016fchodu a\u017e o 5 let d\u0159\u00edve, ne\u017e je b\u011b\u017en\u00fd d\u016fchodov\u00fd v\u011bk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Dostupnost \u00faspor:<\/strong> Po dvou letech spo\u0159en\u00ed m\u00e1te mo\u017enost vybrat sv\u00e9 prost\u0159edky v\u010detn\u011b v\u00fdnos\u016f.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Volba v\u00fdplaty:<\/strong> Po skon\u010den\u00ed spo\u0159en\u00ed si m\u016f\u017eete vybrat, zda si \u00faspory nech\u00e1te vyplatit najednou, nebo si nastav\u00edte pravidelnou rentu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Bezpe\u010dnost:<\/strong> Penzijn\u00ed spo\u0159en\u00ed je pod dohledem \u010cesk\u00e9 n\u00e1rodn\u00ed banky a Ministerstva financ\u00ed, tak\u017ee va\u0161e pen\u00edze jsou v bezpe\u010d\u00ed.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Penzijni_sporeni_Ochrana_pro_budoucnost_vas_i_vasich_deti\"><\/span><span style=\"font-weight: 400;\">Penzijn\u00ed spo\u0159en\u00ed: Ochrana pro budoucnost v\u00e1s i va\u0161ich d\u011bt\u00ed<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Penzijn\u00ed spo\u0159en\u00ed je vhodn\u00e9 pro ka\u017ed\u00e9ho bez ohledu na v\u011bk a \u010d\u00edm d\u0159\u00edve ho zalo\u017e\u00edte, t\u00edm v\u00edce m\u016f\u017eete v budoucnu z\u00edskat. Jeho hlavn\u00edm smyslem je zajistit si finan\u010dn\u00ed rezervu na obdob\u00ed, kdy u\u017e nebudete pracovat. I kdy\u017e v d\u016fchodu p\u0159ijdete o pravideln\u00fd p\u0159\u00edjem ze zam\u011bstn\u00e1n\u00ed, d\u00edky naspo\u0159en\u00fdm prost\u0159edk\u016fm si udr\u017e\u00edte \u017eivotn\u00ed \u00farove\u0148 a budete si moci plnit sv\u00e9 pl\u00e1ny i sny.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Velkou v\u00fdhodou je, \u017ee penzijn\u00ed spo\u0159en\u00ed <strong>nemus\u00ed b\u00fdt z\u00e1vazkem a\u017e do d\u016fchodu<\/strong>. U\u017e po dvou letech m\u016f\u017eete sv\u00e9 \u00faspory vybrat v\u010detn\u011b zhodnocen\u00ed a p\u0159\u00edpadn\u00fdch p\u0159\u00edsp\u011bvk\u016f od zam\u011bstnavatele. <\/span><span style=\"font-weight: 400;\">Zalo\u017eit penzijn\u00ed spo\u0159en\u00ed d\u011btem je skv\u011bl\u00fd start do \u017eivota. Jakmile d\u00edt\u011b dos\u00e1hne 18 let, m\u016f\u017ee si <strong>vybrat a\u017e t\u0159etinu naspo\u0159en\u00fdch pen\u011bz a pou\u017e\u00edt je nap\u0159\u00edklad na studium, prvn\u00ed bydlen\u00ed nebo cestov\u00e1n\u00ed.<\/strong> T\u00edm z\u00edsk\u00e1 finan\u010dn\u00ed podporu v kl\u00ed\u010dov\u00fdch momentech dosp\u011blosti. <\/span><span style=\"font-weight: 400;\">Po spln\u011bn\u00ed podm\u00ednek lze pen\u00edze z penzijn\u00edho spo\u0159en\u00ed \u010derpat bu\u010f jednor\u00e1zov\u011b, nebo formou pravideln\u00e9 renty. Tyto prost\u0159edky pak dopln\u00ed st\u00e1tn\u00ed d\u016fchod a zajist\u00ed v\u00e1m v\u011bt\u0161\u00ed finan\u010dn\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/\" target=\"_blank\" rel=\"noopener\">jistotu v pozd\u011bj\u0161\u00edm v\u011bku.<\/a><\/span><\/p>\n<div id=\"attachment_10629\" style=\"width: 2570px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-10629\" class=\"size-full wp-image-10629\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/doplnkove-penzijni-sporeni--scaled.jpeg\" alt=\"penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed \" width=\"2560\" height=\"1707\" srcset=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/doplnkove-penzijni-sporeni--scaled.jpeg 2560w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/doplnkove-penzijni-sporeni--1280x854.jpeg 1280w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/doplnkove-penzijni-sporeni--980x653.jpeg 980w, https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/doplnkove-penzijni-sporeni--480x320.jpeg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 2560px, 100vw\" \/><p id=\"caption-attachment-10629\" class=\"wp-caption-text\">Penzijn\u00ed spo\u0159en\u00ed je\u00a0 jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch n\u00e1stroj\u016f, jak si zajistit finan\u010dn\u00ed jistotu na st\u00e1\u0159\u00ed.<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Jak_si_vybrat_spravne_penzijni_sporeni\"><\/span><span style=\"font-weight: 400;\">Jak si vybrat spr\u00e1vn\u00e9 penzijn\u00ed spo\u0159en\u00ed?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zva\u017ete sv\u016fj v\u011bk a investi\u010dn\u00ed horizont \u2013 mlad\u0161\u00ed lid\u00e9 mohou volit dynami\u010dt\u011bj\u0161\u00ed strategie, star\u0161\u00ed sp\u00ed\u0161e konzervativn\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Porovnejte v\u00fdnosy a poplatky fond\u016f \u2013 sledujte dlouhodob\u00e9 v\u00fdsledky, ne jen aktu\u00e1ln\u00ed rok.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vyu\u017eijte st\u00e1tn\u00ed podporu a da\u0148ov\u00e9 \u00falevy \u2013 kombinace DPS a DIP m\u016f\u017ee b\u00fdt nejv\u00fdhodn\u011bj\u0161\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Zva\u017ete p\u0159\u00edsp\u011bvek zam\u011bstnavatele \u2013 je to v\u00fdznamn\u00e1 v\u00fdhoda, kterou byste nem\u011bli nechat le\u017eet ladem.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nebojte se kombinovat produkty \u2013 DPS a DIP lze vyu\u017e\u00edvat sou\u010dasn\u011b.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"3_DIP_%E2%80%93_Dlouhodoby_investicni_produkt\"><\/span><span style=\"font-weight: 400;\">3. DIP \u2013 Dlouhodob\u00fd investi\u010dn\u00ed produkt<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) je nov\u00fd st\u00e1tem podporovan\u00fd n\u00e1stroj pro dlouhodob\u00e9 investov\u00e1n\u00ed a spo\u0159en\u00ed na st\u00e1\u0159\u00ed, kter\u00fd je v \u010cesku dostupn\u00fd od roku 2024. DIP je alternativou k dopl\u0148kov\u00e9mu penzijn\u00edmu spo\u0159en\u00ed a \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed. C\u00edl DIP je motivovat ob\u010dany k vytv\u00e1\u0159en\u00ed finan\u010dn\u00ed rezervy na d\u016fchod prost\u0159ednictv\u00edm da\u0148ov\u00fdch v\u00fdhod a p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Jak DIP funguje?<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investi\u010dn\u00ed svoboda: DIP umo\u017e\u0148uje investovat do \u0161irok\u00e9 \u0161k\u00e1ly produkt\u016f \u2013 nap\u0159\u00edklad do pod\u00edlov\u00fdch fond\u016f, ETF, akci\u00ed, dluhopis\u016f, spo\u0159ic\u00edch \u00fa\u010dt\u016f nebo term\u00ednovan\u00fdch vklad\u016f. Nelze v\u0161ak investovat do kryptom\u011bn nebo firemn\u00edch dluhopis\u016f.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">V\u00fdb\u011br strategie: Sami si vol\u00edte investi\u010dn\u00ed strategii \u2013 od konzervativn\u00ed a\u017e po dynamickou, podle sv\u00e9ho vztahu k riziku.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Poskytovatel\u00e9: DIP mohou nab\u00edzet pouze subjekty registrovan\u00e9 u \u010cNB (banky, investi\u010dn\u00ed spole\u010dnosti, obchodn\u00edci s cenn\u00fdmi pap\u00edry).<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Hlavn\u00ed v\u00fdhody DIP<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Da\u0148ov\u00e1 \u00faleva:<\/strong> M\u016f\u017eete si ode\u010d\u00edst a\u017e 48.000 K\u010d ro\u010dn\u011b od z\u00e1kladu dan\u011b (\u00faspora a\u017e 7.200 K\u010d na dani).\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>P\u0159\u00edsp\u011bvek zam\u011bstnavatele:<\/strong> Zam\u011bstnavatel m\u016f\u017ee p\u0159isp\u00edvat a\u017e 50.000 K\u010d ro\u010dn\u011b bez odvod\u016f na soci\u00e1ln\u00ed a zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Flexibilita investic:<\/strong> Mo\u017enost rozlo\u017eit investice mezi r\u016fzn\u00e9 produkty a m\u011bnit strategii v pr\u016fb\u011bhu spo\u0159en\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Mo\u017enost v\u00edce DIP \u00fa\u010dt\u016f:<\/strong> M\u016f\u017eete m\u00edt v\u00edce DIP \u00fa\u010dt\u016f, ale ka\u017ed\u00fd u jin\u00e9ho poskytovatele.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Podm\u00ednky DIP<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Dlouhodobost:<\/strong> Pen\u00edze jsou v\u00e1z\u00e1ny minim\u00e1ln\u011b 10 let a z\u00e1rove\u0148 do dosa\u017een\u00ed v\u011bku 60 let. V\u00fdb\u011br je mo\u017en\u00fd a\u017e po spln\u011bn\u00ed obou podm\u00ednek.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/orangeacademy.cz\/clanky\/predduchod-a-predcasny-duchod\/\" target=\"_blank\" rel=\"noopener\">P\u0159ed\u010dasn\u00fd v\u00fdb\u011br:<\/a> Pokud vyberete pen\u00edze d\u0159\u00edve, mus\u00edte vr\u00e1tit da\u0148ov\u00e9 \u00falevy za posledn\u00edch 10 let a dodanit p\u0159\u00edsp\u011bvky zam\u011bstnavatele.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Bez st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku<\/strong>: Na rozd\u00edl od dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed zde nen\u00ed p\u0159\u00edm\u00fd st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, pouze da\u0148ov\u00e1 \u00faleva.<\/span><\/li>\n<\/ul>\n<span class='mb-center maxbutton-12-center'><span class='maxbutton-12-container mb-container'><a class=\"maxbutton-12 maxbutton maxbutton-kurz-ucetnictvi-online\" target=\"_blank\" title=\"Kurz \u00fa\u010detnictv\u00ed online\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\"><span class='mb-text'>Studujte kurz \u00fa\u010detnictv\u00ed 100% online<\/span><\/a><\/span><\/span>\n<h3><span style=\"font-weight: 400;\">Nev\u00fdhody DIP<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Poplatky:<\/strong> V\u011bt\u0161ina poskytovatel\u016f si \u00fa\u010dtuje poplatky za spr\u00e1vu DIP, kter\u00e9 mohou sni\u017eovat v\u00fdnos.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>V\u00e1zanost prost\u0159edk\u016f:<\/strong> Pen\u00edze jsou dlouhodob\u011b v\u00e1zan\u00e9, p\u0159ed\u010dasn\u00fd v\u00fdb\u011br je nev\u00fdhodn\u00fd.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>\u017d\u00e1dn\u00e1 garance v\u00fdnosu<\/strong>: V\u00fdnos z\u00e1vis\u00ed na zvolen\u00e9 investi\u010dn\u00ed strategii a v\u00fdvoji trh\u016f.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Pro koho je DIP vhodn\u00fd?<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kdo ty, kte\u0159\u00ed cht\u011bj\u00ed investovat na d\u016fchod s mo\u017enost\u00ed vy\u0161\u0161\u00edho zhodnocen\u00ed a jsou ochotni p\u0159ijmout investi\u010dn\u00ed riziko.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pro zam\u011bstnance, jejich\u017e zam\u011bstnavatel nab\u00edz\u00ed p\u0159\u00edsp\u011bvek na DIP.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pro investory, kte\u0159\u00ed cht\u011bj\u00ed v\u011bt\u0161\u00ed svobodu ve volb\u011b investi\u010dn\u00edch n\u00e1stroj\u016f ne\u017e u klasick\u00e9ho penzijn\u00edho spo\u0159en\u00ed.<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Penzijn\u00ed spo\u0159en\u00ed je\u00a0 jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch n\u00e1stroj\u016f, jak si zajistit finan\u010dn\u00ed jistotu na st\u00e1\u0159\u00ed. V posledn\u00edch letech pro\u0161lo syst\u00e9m n\u011bkolika zm\u011bnami a dnes nab\u00edz\u00ed v\u00edce variant, kter\u00e9 se li\u0161\u00ed v\u00fdnosy, rizikem i da\u0148ov\u00fdmi v\u00fdhodami. Jak\u00e9 jsou hlavn\u00ed mo\u017enosti a jak si vybrat tu spr\u00e1vnou? 1. Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed (transformovan\u00e9 fondy) Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je star\u0161\u00ed forma spo\u0159en\u00ed, [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":5101,"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":[1],"tags":[164,302,310,311],"class_list":["post-5099","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","tag-duchody","tag-investice","tag-penize","tag-penze"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?<\/title>\n<meta name=\"description\" content=\"C\u00edlem penzijn\u00edho spo\u0159en\u00ed je z\u00edskat zdroj dal\u0161\u00edho p\u0159\u00edjmu v d\u016fchodov\u00e9m v\u011bku, krom\u011b st\u00e1tn\u00edho d\u016fchodu, jeho\u017e v\u00fd\u0161e m\u00e1 klesat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?\" \/>\n<meta property=\"og:description\" content=\"C\u00edlem penzijn\u00edho spo\u0159en\u00ed je z\u00edskat zdroj dal\u0161\u00edho p\u0159\u00edjmu v d\u016fchodov\u00e9m v\u011bku, krom\u011b st\u00e1tn\u00edho d\u016fchodu, jeho\u017e v\u00fd\u0161e m\u00e1 klesat.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Orange Academy\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OrangeAcademy.sro\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-17T07:16:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-26T09:46:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_211103812-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tereza Mal\u00edkov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tereza Mal\u00edkov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minut\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?","description":"C\u00edlem penzijn\u00edho spo\u0159en\u00ed je z\u00edskat zdroj dal\u0161\u00edho p\u0159\u00edjmu v d\u016fchodov\u00e9m v\u011bku, krom\u011b st\u00e1tn\u00edho d\u016fchodu, jeho\u017e v\u00fd\u0161e m\u00e1 klesat.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/","og_locale":"cs_CZ","og_type":"article","og_title":"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?","og_description":"C\u00edlem penzijn\u00edho spo\u0159en\u00ed je z\u00edskat zdroj dal\u0161\u00edho p\u0159\u00edjmu v d\u016fchodov\u00e9m v\u011bku, krom\u011b st\u00e1tn\u00edho d\u016fchodu, jeho\u017e v\u00fd\u0161e m\u00e1 klesat.","og_url":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/","og_site_name":"Blog Orange Academy","article_publisher":"https:\/\/www.facebook.com\/OrangeAcademy.sro","article_published_time":"2025-09-17T07:16:37+00:00","article_modified_time":"2025-09-26T09:46:24+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_211103812-scaled.jpeg","type":"image\/jpeg"}],"author":"Tereza Mal\u00edkov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Napsal(a)":"Tereza Mal\u00edkov\u00e1","Odhadovan\u00e1 doba \u010dten\u00ed":"7 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#article","isPartOf":{"@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/"},"author":{"name":"Tereza Mal\u00edkov\u00e1","@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/4ffd8469465f64a0746bdedcf094510e"},"headline":"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?","datePublished":"2025-09-17T07:16:37+00:00","dateModified":"2025-09-26T09:46:24+00:00","mainEntityOfPage":{"@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/"},"wordCount":1504,"commentCount":0,"image":{"@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#primaryimage"},"thumbnailUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_211103812-scaled.jpeg","keywords":["d\u016fchody","investice","pen\u00edze","penze"],"articleSection":["Neza\u0159azeno"],"inLanguage":"cs","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/","url":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/","name":"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?","isPartOf":{"@id":"https:\/\/orangeacademy.cz\/clanky\/#website"},"primaryImageOfPage":{"@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#primaryimage"},"image":{"@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#primaryimage"},"thumbnailUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_211103812-scaled.jpeg","datePublished":"2025-09-17T07:16:37+00:00","dateModified":"2025-09-26T09:46:24+00:00","author":{"@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/4ffd8469465f64a0746bdedcf094510e"},"description":"C\u00edlem penzijn\u00edho spo\u0159en\u00ed je z\u00edskat zdroj dal\u0161\u00edho p\u0159\u00edjmu v d\u016fchodov\u00e9m v\u011bku, krom\u011b st\u00e1tn\u00edho d\u016fchodu, jeho\u017e v\u00fd\u0161e m\u00e1 klesat.","breadcrumb":{"@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#primaryimage","url":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_211103812-scaled.jpeg","contentUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_211103812-scaled.jpeg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/orangeacademy.cz\/clanky\/penzijni-sporeni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/orangeacademy.cz\/clanky\/"},{"@type":"ListItem","position":2,"name":"Penzijn\u00ed spo\u0159en\u00ed: Jak\u00e9 jsou mo\u017enosti a jak si spr\u00e1vn\u011b vybrat?"}]},{"@type":"WebSite","@id":"https:\/\/orangeacademy.cz\/clanky\/#website","url":"https:\/\/orangeacademy.cz\/clanky\/","name":"Blog Orange Academy","description":"Kurzy, rekvalifikace, lep\u0161\u00ed pr\u00e1ce i \u017eivot","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/orangeacademy.cz\/clanky\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Person","@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/4ffd8469465f64a0746bdedcf094510e","name":"Tereza Mal\u00edkov\u00e1","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/secure.gravatar.com\/avatar\/0428bf3da72e3ab3df79c9f2997f275a3d67911de1bb6f0e1f4b4ab2f1fa68b9?s=96&d=wavatar&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0428bf3da72e3ab3df79c9f2997f275a3d67911de1bb6f0e1f4b4ab2f1fa68b9?s=96&d=wavatar&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/0428bf3da72e3ab3df79c9f2997f275a3d67911de1bb6f0e1f4b4ab2f1fa68b9?s=96&d=wavatar&r=g","caption":"Tereza Mal\u00edkov\u00e1"},"url":"https:\/\/orangeacademy.cz\/clanky\/author\/drbohlavova\/"}]}},"_links":{"self":[{"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts\/5099","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/comments?post=5099"}],"version-history":[{"count":12,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts\/5099\/revisions"}],"predecessor-version":[{"id":10633,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts\/5099\/revisions\/10633"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/media\/5101"}],"wp:attachment":[{"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/media?parent=5099"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/categories?post=5099"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/tags?post=5099"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}