{"id":8880,"date":"2024-04-19T08:21:58","date_gmt":"2024-04-19T06:21:58","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=8880"},"modified":"2024-02-10T22:34:25","modified_gmt":"2024-02-10T21:34:25","slug":"sporeni-na-duchod","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/","title":{"rendered":"Spo\u0159en\u00ed na d\u016fchod: Finan\u010dn\u00ed nez\u00e1vislost ve st\u00e1\u0159\u00ed"},"content":{"rendered":"<p><strong>A\u0165 u\u017e jste o\u0161lehan\u00ed pracovn\u00edm \u017eivotem, nebo v\u00e1s kari\u00e9ra teprve \u010dek\u00e1, myslete na svou budoucnost a finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed.<\/strong> <strong>Pokud v\u00e1m nen\u00ed finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed lhostejn\u00e9, ur\u010dit\u011b jste u\u017e sly\u0161eli o spo\u0159en\u00ed na d\u016fchod.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 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-6a01975eec259\" 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-6a01975eec259\"  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\/sporeni-na-duchod\/#Co_sporeni_na_duchod_znamena\" >Co spo\u0159en\u00ed na d\u016fchod znamen\u00e1?<\/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\/sporeni-na-duchod\/#Zmeny_ve_sporeni_na_duchod_v_roce_2024\" >Zm\u011bny ve spo\u0159en\u00ed na d\u016fchod v\u00a0roce 2024<\/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\/sporeni-na-duchod\/#maxbutton_id%226%22\" ><span class='mb-center maxbutton-6-center'><span class='maxbutton-6-container mb-container'><a class=\"maxbutton-6 maxbutton maxbutton-kurz-mzdoveho-ucetnictvi\" target=\"_blank\" title=\"Kurz mzdov\u00e9ho \u00fa\u010detnictv\u00ed\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\/rekvalifikacni-kurz-mzdove-ucetnictvi-s-vyuzitim-pc\"><span class='mb-text'>Studujte kurz mzdov\u00e9ho \u00fa\u010detnictv\u00ed<\/span><\/a><\/span><\/span><\/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\/sporeni-na-duchod\/#Nejlepsi_sporeni_na_duchod\" >Nejlep\u0161\u00ed spo\u0159en\u00ed na d\u016fchod<\/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\/sporeni-na-duchod\/#Sporeni_na_duchod_v_pozdejsim_veku\" >Spo\u0159en\u00ed na d\u016fchod v\u00a0pozd\u011bj\u0161\u00edm v\u011bku<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Co_sporeni_na_duchod_znamena\"><\/span>Co spo\u0159en\u00ed na d\u016fchod znamen\u00e1?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>V\u00a0\u010cesk\u00e9 republice m\u00e1me <strong>povinn\u00e9 d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed<\/strong> a tak\u00e9 reformovan\u00e9 d\u016fchodov\u00e9 spo\u0159en\u00ed, kter\u00e9 zahrnuje dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed a penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Toto penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je <strong>syst\u00e9m<\/strong>, kter\u00fd provozuj\u00ed transformovan\u00e9 fondy. Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed jako III. pil\u00ed\u0159 penzijn\u00edho syst\u00e9mu je n\u00e1stroj, kter\u00fd pom\u00e1h\u00e1 se <strong>zm\u011bnou p\u0159\u00edjm\u016f<\/strong> p\u0159i odchodu do d\u016fchodu.<\/p>\n<p>Jak uv\u00e1d\u00ed Ministerstvo financ\u00ed \u010cesk\u00e9 republiky, tento t\u0159et\u00ed pil\u00ed\u0159 je slo\u017een z penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed a <strong>dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed<\/strong>, ve kter\u00e9m je \u00fa\u010dast zcela dobrovoln\u00e1.<\/p>\n<blockquote><p><em>\u201eDo transformovan\u00fdch fond\u016f penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed ji\u017e v\u0161ak nemohou nov\u00ed \u00fa\u010dastn\u00edci v sou\u010dasnosti vstoupit. \u00a0St\u00e1t k m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edsp\u011bvk\u016fm \u00fa\u010dastn\u00edk\u016f vypl\u00e1c\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek a umo\u017e\u0148uje ode\u010d\u00edst \u010d\u00e1st zaplacen\u00fdch p\u0159\u00edsp\u011bvk\u016f ze z\u00e1kladu dan\u011b z p\u0159\u00edjm\u016f.&#8221; <\/em>Viz <a href=\"https:\/\/www.mfcr.cz\/cs\/financni-trh\/soukrome-penzijni-systemy\/iii-pilir-doplnkove-penzijni-sporeni-a-p\/zakladni-informace\" target=\"_blank\" rel=\"noopener\">ZDE.<\/a><\/p><\/blockquote>\n<h3>V\u00fd\u0161e spo\u0159en\u00ed<\/h3>\n<p>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed z\u00e1vis\u00ed na <strong>pravideln\u00fdch<\/strong> m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edsp\u011bvc\u00edch. Ty m\u016f\u017eete na \u00fa\u010det transformovan\u00e9ho fondu poukazovat i za del\u0161\u00ed <strong>\u010dasov\u00e1 obdob\u00ed<\/strong>, p\u0159\u00edpadn\u011b i nepravideln\u011b. Zat\u00edmco penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed prob\u00edh\u00e1, m\u016f\u017eete svou v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edsp\u011bvk\u016f m\u011bnit, p\u0159\u00edpadn\u011b spo\u0159en\u00ed zcela p\u0159eru\u0161it.<\/p>\n<p>K\u00a0\u010d\u00e1stce, kterou spo\u0159\u00edte jsou v\u00e1m p\u0159ipisov\u00e1ny st\u00e1tn\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/jak-dlouho-plati-urad-prace-socialni-a-zdravotni-pojisteni\/\" target=\"_blank\" rel=\"noopener\">p\u0159\u00edsp\u011bvky<\/a>. Tak\u00e9 v\u011bt\u0161ina zam\u011bstnavatel\u016f sv\u00fdm <strong>zam\u011bstnanc\u016fm<\/strong> na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed p\u0159isp\u00edv\u00e1.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Zmeny_ve_sporeni_na_duchod_v_roce_2024\"><\/span>Zm\u011bny ve spo\u0159en\u00ed na d\u016fchod v\u00a0roce 2024<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Spo\u0159en\u00ed na d\u016fchod neboli dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed <strong>pro\u0161lo<\/strong> k\u00a0roku 2024 n\u011bkolika novelami. Tyto zm\u011bny maj\u00ed vliv <strong>na spo\u0159en\u00ed<\/strong> na d\u016fchod a jedn\u00e1 se o:<\/p>\n<h3>1.) Zv\u00fd\u0161en\u00ed st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku<\/h3>\n<p>St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek nyn\u00ed z\u00edsk\u00e1te, pokud si budete m\u011bs\u00ed\u010dn\u011b spo\u0159it <strong>alespo\u0148 500 K\u010d<\/strong> a st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek bude v\u017edy ve v\u00fd\u0161i 20 % z v\u00e1mi vlo\u017een\u00e9 \u010d\u00e1stky. Maxim\u00e1ln\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek je<strong> 340 K\u010d<\/strong>, kdy podm\u00ednkou je, \u017ee budete na spo\u0159en\u00ed vkl\u00e1dat 1 700 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n<h3>2.) Zdvojn\u00e1soben\u00ed da\u0148ov\u00e9ho odpo\u010dtu<\/h3>\n<p>Tato zm\u011bna plat\u00ed pro <strong>v\u0161echny smlouvy<\/strong> a znamen\u00e1, \u017ee si m\u016f\u017eete ode\u010d\u00edst od da\u0148ov\u00e9ho z\u00e1kladu<strong> a\u017e 48 000 K\u010d<\/strong> a z\u00edskat zp\u011bt na dani a\u017e 7 200 K\u010d za rok. Do 30. 6. 2024 se do da\u0148ov\u00e9ho odpo\u010dtu <strong>zapo\u010d\u00edt\u00e1vaj\u00ed<\/strong> m\u011bs\u00ed\u010dn\u00ed klientsk\u00e9 p\u0159\u00edsp\u011bvky vy\u0161\u0161\u00ed ne\u017e 1\u00a0000 K\u010d a od 1. 7. 2024 \u010d\u00e1stky<strong> vy\u0161\u0161\u00ed<\/strong> ne\u017e 1\u00a0700 K\u010d.<\/p>\n<h3>3.) Prodlou\u017een\u00e1 minim\u00e1ln\u00ed doba spo\u0159en\u00ed<\/h3>\n<p>Pro nov\u00e9 smlouvy sjednan\u00e9 od <strong>1. 1. 2024<\/strong> plat\u00ed prodlou\u017een\u00e1 minim\u00e1ln\u00ed doba spo\u0159en\u00ed a sice nyn\u00ed <strong>10 let<\/strong>. Pokud m\u00e1te smlouvu sjednanou do 31. 12. 2023, plat\u00ed pro v\u00e1s <strong>minim\u00e1ln\u00ed doba 5 let<\/strong>.<\/p>\n<h2 style=\"text-align: center;\"><span class='mb-center maxbutton-6-center'><span class='maxbutton-6-container mb-container'><a class=\"maxbutton-6 maxbutton maxbutton-kurz-mzdoveho-ucetnictvi\" target=\"_blank\" title=\"Kurz mzdov\u00e9ho \u00fa\u010detnictv\u00ed\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\/rekvalifikacni-kurz-mzdove-ucetnictvi-s-vyuzitim-pc\"><span class='mb-text'>Studujte kurz mzdov\u00e9ho \u00fa\u010detnictv\u00ed<\/span><\/a><\/span><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Nejlepsi_sporeni_na_duchod\"><\/span>Nejlep\u0161\u00ed spo\u0159en\u00ed na d\u016fchod<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jak jsme si popsali v\u00fd\u0161e, spo\u0159en\u00ed na d\u016fchod nen\u00ed <strong>v\u00fdhodn\u00e9<\/strong> jen pro z\u00edsk\u00e1n\u00ed finan\u010dn\u00ed nez\u00e1vislosti v\u00a0d\u016fchodov\u00e9m v\u011bku, ale tak\u00e9 <strong>z\u00edsk\u00e1te<\/strong> p\u0159\u00edsp\u011bvek od st\u00e1tu nebo mo\u017enost ka\u017edoro\u010dn\u00ed slevy na dani. Podle p\u0159ehled\u016f voln\u011b dostupn\u00fdch na internetu si m\u016f\u017eete vybrat dle libosti a <strong>vlastn\u00edch preferenc\u00ed<\/strong>. Je tedy \u010dist\u011b na v\u00e1s, zda zvol\u00edte dynamick\u00e9 fondy, vyv\u00e1\u017een\u00e9 nebo konzervativn\u00ed fondy, p\u0159\u00edpadn\u011b transformovan\u00e9 fondy. Postupn\u011b se pod\u00edv\u00e1me na v\u0161echny.<\/p>\n<h3>Dynamick\u00e9 fondy<\/h3>\n<p>Tyto fondy vyb\u00edrejte, pokud spo\u0159\u00edte na d\u016fchod u\u017e od <strong>mlad\u00e9ho<\/strong> v\u011bku. Portfolio t\u011bchto fond\u016f je toti\u017e tvo\u0159eno akciemi i jin\u00fdmi rizikov\u00fdmi polo\u017ekami.<\/p>\n<h3>Vyv\u00e1\u017een\u00e9 fondy<\/h3>\n<p>Vyv\u00e1\u017een\u00e9 penzijn\u00ed <strong>fondy<\/strong> jsou vhodn\u00e9 pro ty, kte\u0159\u00ed spo\u0159\u00ed d\u00e9le ne\u017e deset let. Tyto fondy v\u00e1m nab\u00edz\u00ed ur\u010dit\u00fd<a href=\"https:\/\/orangeacademy.cz\/clanky\/asertivni-chovani\/\" target=\"_blank\" rel=\"noopener\"> kompromis<\/a> mezi v\u00fdnosem a rizikem. V\u00a0portfoliu najdete akcie nebo dluhopisy.<\/p>\n<h3>Konzervativn\u00ed fondy<\/h3>\n<p>Pokud m\u00e1te <strong>krat\u0161\u00ed dobu<\/strong> do d\u016fchodov\u00e9ho v\u011bku, jsou pro v\u00e1s vhodn\u00e9 tyto konzervativn\u00ed fondy. V\u011bt\u0161inou zde investujete do <strong>st\u00e1tn\u00edch dluhopis\u016f<\/strong> a kr\u00e1tkodob\u00fdch vklad\u016f. Jak u\u017e to u konzervativn\u00edch investic b\u00fdv\u00e1, v\u00fdnosy jsou ni\u017e\u0161\u00ed ale stejn\u011b tak je i <strong>ni\u017e\u0161\u00ed m\u00edra rizika<\/strong> investic.<\/p>\n<h3>Transformovan\u00e9 fondy<\/h3>\n<p>Transformovan\u00e9 fondy vznikly z\u00a0<strong>p\u016fvodn\u00edch<\/strong> penzijn\u00edch fond\u016f podle z\u00e1kona o penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed. Od roku <strong>2013<\/strong> do nich nelze vstoupit, ale p\u0159estoupit do ostatn\u00edch fond\u016f m\u016f\u017eete bez probl\u00e9m\u016f. Jedn\u00e1 se tak\u00e9 o konzervativn\u00ed zp\u016fsob spo\u0159en\u00ed se z\u00e1rukou nez\u00e1porn\u00e9ho zhodnocen\u00ed.<\/p>\n<p>Zvolit si tedy m\u016f\u017eete dle vlastn\u00edch preferenc\u00ed a toho, jak\u00e9 m\u00e1te na penzijn\u00ed spo\u0159en\u00ed <strong>n\u00e1roky<\/strong>. V\u00fd\u0161e uveden\u00e9 druhy fond\u016f nab\u00edz\u00ed Allianz, KB, UNIQA, Rentea, NN, \u010cSOB a <a href=\"https:\/\/www.epojisteni.cz\/jake-existuji-penzijni-spolecnosti-v-cr\/\" target=\"_blank\" rel=\"noopener\">dal\u0161\u00ed<\/a>.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-8734\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2024\/01\/preplatek-na-dani-2-930x620.jpeg\" alt=\"spo\u0159en\u00ed na d\u016fchod\" width=\"930\" height=\"620\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sporeni_na_duchod_v_pozdejsim_veku\"><\/span>Spo\u0159en\u00ed na d\u016fchod v\u00a0pozd\u011bj\u0161\u00edm v\u011bku<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pokud jste nad spo\u0159en\u00edm v\u011bt\u0161inu sv\u00e9ho \u017eivota<strong> nep\u0159em\u00fd\u0161leli<\/strong> a nyn\u00ed byste r\u00e1di za\u010dali, nem\u011bjte obavy, st\u00e1le m\u016f\u017eete vyu\u017e\u00edt r\u016fzn\u00e9 strategie. Vyu\u017e\u00edt m\u016f\u017eete n\u011bkter\u00e9 z mo\u017enost\u00ed, kter\u00e9 v\u00e1m <strong>pomohou<\/strong> se na d\u016fchodov\u00fd v\u011bk finan\u010dn\u011b zajistit.<\/p>\n<h3>Zvolte drsn\u011bj\u0161\u00ed investi\u010dn\u00ed strategii<\/h3>\n<p>Pokud v\u00e1s <strong>tla\u010d\u00ed \u010das<\/strong>, m\u016f\u017eete vyu\u017e\u00edt agresivn\u011bj\u0161\u00ed investi\u010dn\u00ed strategii a investovat p\u0159ev\u00e1\u017en\u011b do akci\u00ed. Tato strategie s\u00a0sebou samoz\u0159ejm\u011b nese <strong>vy\u0161\u0161\u00ed<\/strong> riziko ztr\u00e1ty a proto je d\u016fle\u017eit\u00e9 myslet na to, abyste do sv\u00e9ho spo\u0159en\u00ed kladli jen takov\u00e9 \u010d\u00e1stky o kter\u00e9 si m\u016f\u017eete dovolit p\u0159ij\u00edt. V\u00a0tomto ohledu v\u00e1m m\u016f\u017ee pomoci i <a href=\"https:\/\/orangeacademy.cz\/clanky\/budovani-financni-gramotnosti\/\" target=\"_blank\" rel=\"noopener\">finan\u010dn\u00ed poradce<\/a>, kter\u00fd s\u00a0v\u00e1mi r\u016fzn\u00e9 strategie projde a vysv\u011btl\u00ed v\u00e1m mo\u017en\u00e1 rizika.<\/p>\n<h3>Sni\u017ete sv\u00e9 moment\u00e1ln\u00ed v\u00fddaje<\/h3>\n<p>Zhodno\u0165te si sv\u016fj rozpo\u010det a zva\u017ete, kde <strong>m\u016f\u017eete<\/strong> na v\u00fddaj\u00edch ubrat. Pokud podniknete takov\u00e9 \u00fasporn\u00e9 kroky, m\u016f\u017eete si <strong>nav\u00fd\u0161it prost\u0159edky<\/strong>, kter\u00e9 dopln\u00edte ke spo\u0159en\u00ed na d\u016fchod.<\/p>\n<h3>Zvy\u0161te sv\u016fj dosavadn\u00ed p\u0159\u00edjem<\/h3>\n<p>Opa\u010dnou mo\u017enost\u00ed je nav\u00fd\u0161en\u00ed dosavadn\u00edho p\u0159\u00edjmu. Abyste mohli<strong> dostate\u010dn\u011b<\/strong> spo\u0159it na d\u016fchod pobavte se se sv\u00fdm zam\u011bstnavatelem o <a href=\"https:\/\/rekvalifikacnikurzy.cz\/clanky\/vyssi-mzda\" target=\"_blank\" rel=\"noopener\">nav\u00fd\u0161en\u00ed mzdy<\/a>, p\u0159\u00edpadn\u011b zva\u017ete n\u011bjakou vedlej\u0161\u00ed pr\u00e1ci. Stejn\u011b tak m\u016f\u017eete z\u00a0po\u010d\u00e1tku investovat do <a href=\"https:\/\/orangeacademy.cz\/rekvalifikacni-kurzy\" target=\"_blank\" rel=\"noopener\">rekvalifikace<\/a> a z\u00edskat tak dal\u0161\u00ed dovednosti a s\u00a0nimi i vy\u0161\u0161\u00ed p\u0159\u00edjmy a v\u011bt\u0161\u00ed mo\u017enosti.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u0165 u\u017e jste o\u0161lehan\u00ed pracovn\u00edm \u017eivotem, nebo v\u00e1s kari\u00e9ra teprve \u010dek\u00e1, myslete na svou budoucnost a finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed. Pokud v\u00e1m nen\u00ed finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed lhostejn\u00e9, ur\u010dit\u011b jste u\u017e sly\u0161eli o spo\u0159en\u00ed na d\u016fchod. Co spo\u0159en\u00ed na d\u016fchod znamen\u00e1? V\u00a0\u010cesk\u00e9 republice m\u00e1me povinn\u00e9 d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed a tak\u00e9 reformovan\u00e9 d\u016fchodov\u00e9 spo\u0159en\u00ed, kter\u00e9 zahrnuje dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed a penzijn\u00ed [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":7493,"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":[56,20,9],"tags":[310,46,147,8],"class_list":["post-8880","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personalistika","category-prace-a-kariera","category-vzdelavani","tag-penize","tag-prace","tag-tipy","tag-vzdelavani"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Spo\u0159en\u00ed na d\u016fchod: Finan\u010dn\u00ed nez\u00e1vislost ve st\u00e1\u0159\u00ed<\/title>\n<meta name=\"description\" content=\"Myslete na svou budoucnost a finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed. 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Pokud v\u00e1m nen\u00ed finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed lhostejn\u00e9, ur\u010dit\u011b jste u\u017e sly\u0161eli o spo\u0159en\u00ed na d\u016fchod.","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\/sporeni-na-duchod\/","og_locale":"cs_CZ","og_type":"article","og_title":"Spo\u0159en\u00ed na d\u016fchod: Finan\u010dn\u00ed nez\u00e1vislost ve st\u00e1\u0159\u00ed","og_description":"Myslete na svou budoucnost a finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed. Pokud v\u00e1m nen\u00ed finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed lhostejn\u00e9, ur\u010dit\u011b jste u\u017e sly\u0161eli o spo\u0159en\u00ed na d\u016fchod.","og_url":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/","og_site_name":"Blog Orange Academy","article_publisher":"https:\/\/www.facebook.com\/OrangeAcademy.sro","article_published_time":"2024-04-19T06:21:58+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/05\/AdobeStock_190662146-scaled.jpeg","type":"image\/jpeg"}],"author":"Zuzana Dubov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Napsal(a)":"Zuzana Dubov\u00e1","Odhadovan\u00e1 doba \u010dten\u00ed":"5 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#article","isPartOf":{"@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/"},"author":{"name":"Zuzana Dubov\u00e1","@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/9413303eb1b2ff8e72475707a7d6e0ce"},"headline":"Spo\u0159en\u00ed na d\u016fchod: Finan\u010dn\u00ed nez\u00e1vislost ve st\u00e1\u0159\u00ed","datePublished":"2024-04-19T06:21:58+00:00","mainEntityOfPage":{"@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/"},"wordCount":1168,"commentCount":0,"image":{"@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#primaryimage"},"thumbnailUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/05\/AdobeStock_190662146-scaled.jpeg","keywords":["pen\u00edze","Pr\u00e1ce","Tipy","Vzd\u011bl\u00e1v\u00e1n\u00ed"],"articleSection":["Personalistika","Pr\u00e1ce a kari\u00e9ra","Vzd\u011bl\u00e1v\u00e1n\u00ed"],"inLanguage":"cs","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/","url":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/","name":"Spo\u0159en\u00ed na d\u016fchod: Finan\u010dn\u00ed nez\u00e1vislost ve st\u00e1\u0159\u00ed","isPartOf":{"@id":"https:\/\/orangeacademy.cz\/clanky\/#website"},"primaryImageOfPage":{"@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#primaryimage"},"image":{"@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#primaryimage"},"thumbnailUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/05\/AdobeStock_190662146-scaled.jpeg","datePublished":"2024-04-19T06:21:58+00:00","author":{"@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/9413303eb1b2ff8e72475707a7d6e0ce"},"description":"Myslete na svou budoucnost a finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed. Pokud v\u00e1m nen\u00ed finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed lhostejn\u00e9, ur\u010dit\u011b jste u\u017e sly\u0161eli o spo\u0159en\u00ed na d\u016fchod.","breadcrumb":{"@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#primaryimage","url":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/05\/AdobeStock_190662146-scaled.jpeg","contentUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/05\/AdobeStock_190662146-scaled.jpeg","width":2560,"height":1707,"caption":"spo\u0159en\u00ed na d\u016fchod"},{"@type":"BreadcrumbList","@id":"https:\/\/orangeacademy.cz\/clanky\/sporeni-na-duchod\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/orangeacademy.cz\/clanky\/"},{"@type":"ListItem","position":2,"name":"Spo\u0159en\u00ed na d\u016fchod: Finan\u010dn\u00ed nez\u00e1vislost ve st\u00e1\u0159\u00ed"}]},{"@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\/9413303eb1b2ff8e72475707a7d6e0ce","name":"Zuzana Dubov\u00e1","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/secure.gravatar.com\/avatar\/78d948cea7e5945f41944917f1eb043b22b125ce505f3d47d1704934ce2907a9?s=96&d=wavatar&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/78d948cea7e5945f41944917f1eb043b22b125ce505f3d47d1704934ce2907a9?s=96&d=wavatar&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/78d948cea7e5945f41944917f1eb043b22b125ce505f3d47d1704934ce2907a9?s=96&d=wavatar&r=g","caption":"Zuzana Dubov\u00e1"},"url":"https:\/\/orangeacademy.cz\/clanky\/author\/dubova\/"}]}},"_links":{"self":[{"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts\/8880","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\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/comments?post=8880"}],"version-history":[{"count":12,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts\/8880\/revisions"}],"predecessor-version":[{"id":8892,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/posts\/8880\/revisions\/8892"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/media\/7493"}],"wp:attachment":[{"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/media?parent=8880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/categories?post=8880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/orangeacademy.cz\/clanky\/wp-json\/wp\/v2\/tags?post=8880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}