{"id":9192,"date":"2024-05-29T08:06:39","date_gmt":"2024-05-29T06:06:39","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=9192"},"modified":"2024-03-26T07:15:50","modified_gmt":"2024-03-26T06:15:50","slug":"doplnkove-penzijni-sporeni","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/doplnkove-penzijni-sporeni\/","title":{"rendered":"P\u0159em\u00fd\u0161l\u00edte o dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed?"},"content":{"rendered":"<p><strong>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed v\u00e1m m\u016f\u017ee zajistit vy\u0161\u0161\u00ed p\u0159\u00edjem v\u00a0d\u016fchodov\u00e9m v\u011bku. Co dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed je a jak funguje se dozv\u00edte v\u00a0\u010dl\u00e1nku.<\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 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-69e33d413382f\" 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-69e33d413382f\"  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\/doplnkove-penzijni-sporeni\/#Co_je_doplnkove_penzijni_sporeni\" >Co je dopl\u0148kov\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-2\" href=\"https:\/\/orangeacademy.cz\/clanky\/doplnkove-penzijni-sporeni\/#Jak_funguje_doplnkove_penzijni_sporeni\" >Jak funguje dopl\u0148kov\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-3\" href=\"https:\/\/orangeacademy.cz\/clanky\/doplnkove-penzijni-sporeni\/#Studujte_kurz_ucetnictvi\" >Studujte kurz \u00fa\u010detnictv\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\/doplnkove-penzijni-sporeni\/#Kdy_je_nelepsi_zacit_sporit\" >Kdy je nelep\u0161\u00ed za\u010d\u00edt spo\u0159it?<\/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\/doplnkove-penzijni-sporeni\/#Kdy_mohu_vybrat_doplnkove_penzijni_sporeni\" >Kdy mohu vybrat dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Co_je_doplnkove_penzijni_sporeni\"><\/span>Co je dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jedn\u00e1 se o <strong>dlouhodobou investici<\/strong>, kterou v\u011bt\u0161ina lid\u00ed vyu\u017e\u00edv\u00e1 jako spo\u0159en\u00ed na d\u016fchod. Mo\u017enost sjedn\u00e1n\u00ed dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed se datuje k <strong>1. lednu 2013<\/strong>. Toto spo\u0159en\u00ed je ur\u010deno k dopln\u011bn\u00ed st\u00e1tn\u00edho d\u016fchodov\u00e9ho syst\u00e9mu nebo va\u0161eho <strong>osobn\u00edho<\/strong> penzijn\u00edho pl\u00e1nu. Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed v\u00e1m m\u016f\u017ee zajistit vy\u0161\u0161\u00ed p\u0159\u00edjem v d\u016fchodov\u00e9m v\u011bku.<\/p>\n<blockquote><p>Penzijko m\u016f\u017eete zalo\u017eit v\u00a0<strong>jak\u00e9mkoliv v\u011bku<\/strong>, pokud jste v\u0161ak mlad\u0161\u00ed 18 let, mus\u00ed va\u0161i smlouvu uzav\u0159\u00edt z\u00e1konn\u00fd z\u00e1stupce nebo zmocn\u011bnec.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Jak_funguje_doplnkove_penzijni_sporeni\"><\/span>Jak funguje dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Na dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed se m\u016f\u017ee \u00fa\u010dastnit <strong>kter\u00e1koli fyzick\u00e1 osoba<\/strong>. B\u011bhem spo\u0159en\u00ed tak\u00e9 m\u016f\u017eete zm\u011bnit penzijn\u00ed spole\u010dnost, u kter\u00e9 se rozhodnete spo\u0159it. V\u00fd\u0161i spo\u0159en\u00ed ur\u010duje smlouva. Nejni\u017e\u0161\u00ed \u010d\u00e1stka je 100 K\u010d m\u011bs\u00ed\u010dn\u011b. Maxim\u00e1ln\u00ed v\u00fd\u0161e vkladu pro <a href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/\" target=\"_blank\" rel=\"noopener\">spo\u0159en\u00ed<\/a> nen\u00ed omezena.\u00a0Nejzn\u00e1m\u011bj\u0161\u00ed formy dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed jsou penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed nebo penzijn\u00ed fondy.<\/p>\n<h3>Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/h3>\n<p>Tuto formu sjedn\u00e1te u <strong>poji\u0161\u0165oven<\/strong> a jedn\u00e1 se o dobrovoln\u00e9 spo\u0159en\u00ed. To znamen\u00e1, \u017ee m\u016f\u017eete do spo\u0159en\u00ed vkl\u00e1dat pravideln\u011b i nepravideln\u011b. \u010c\u00e1stky, kter\u00e9 vlo\u017e\u00edte v\u00a0r\u00e1mci penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed jsou investov\u00e1ny a\u017e do d\u016fchodov\u00e9ho v\u011bku <a href=\"https:\/\/orangeacademy.cz\/clanky\/vizitky-propojeni-digitalniho-a-fyzickeho-sveta\/\" target=\"_blank\" rel=\"noopener\">klienta<\/a>. Pak m\u016f\u017eete \u010derpat pravideln\u00e9 d\u016fchody nebo si nechat celou naspo\u0159enou \u010d\u00e1stku vyplatit.<\/p>\n<h3>Penzijn\u00ed fondy<\/h3>\n<p>Penzijn\u00ed fondy se specializuj\u00ed na penzijn\u00ed spo\u0159en\u00ed. Vyb\u00edrat m\u016f\u017eete z\u00a0n\u011bkolika<strong> r\u016fzn\u00fdch fond\u016f<\/strong> na z\u00e1klad\u011b sv\u00fdch preferenc\u00ed, p\u0159\u00edpadn\u011b i rizika v\u00fdnosnosti. Op\u011bt, pokud dos\u00e1hnete d\u016fchodov\u00e9ho v\u011bku, m\u016f\u017eete \u010derpat \u010d\u00e1stky <strong>pravideln\u011b<\/strong> nebo si nechat celou naspo\u0159enou \u010d\u00e1stku vyplatit najednou.<\/p>\n<p>Na dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed m\u016f\u017eete v\u00a0ro\u010dn\u00edm z\u00fa\u010dtov\u00e1n\u00ed vyu\u017e\u00edt <strong>r\u016fzn\u00e9 da\u0148ov\u00e9 \u00falevy<\/strong>. Tak\u00e9, jak ji\u017e bylo \u0159e\u010deno, m\u016f\u017eete vyu\u017e\u00edt p\u0159\u00edsp\u011bvky od st\u00e1tu.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Studujte_kurz_ucetnictvi\"><\/span><span class='mb-center maxbutton-7-center'><span class='maxbutton-7-container mb-container'><a class=\"maxbutton-7 maxbutton maxbutton-kurz-ucetnictvi\" target=\"_blank\" title=\"Kurz \u00fa\u010detnictv\u00ed\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\/rekvalifikacni-kurzy-ucetnictvi-a-danove-evidence\"><span class='mb-text'>Studujte kurz \u00fa\u010detnictv\u00ed<\/span><\/a><\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Kdy_je_nelepsi_zacit_sporit\"><\/span>Kdy je nelep\u0161\u00ed za\u010d\u00edt spo\u0159it?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>S\u00a0dopl\u0148kov\u00fdm penzijn\u00edm spo\u0159en\u00edm je dobr\u00e9 za\u010d\u00edt <strong>co nejd\u0159\u00edve<\/strong>. \u010c\u00edm d\u00e9le toti\u017e spo\u0159\u00edte, t\u00edm v\u00edce pen\u011bz na\u0161et\u0159\u00edte a n\u00e1sledn\u011b p\u0159ich\u00e1z\u00ed i v\u00edce <a href=\"https:\/\/orangeacademy.cz\/clanky\/hybridni-model-spoluprace\/\" target=\"_blank\" rel=\"noopener\">v\u00fdhod<\/a> od st\u00e1tu. Mezi tyto v\u00fdhody pat\u0159\u00ed ji\u017e zmi\u0148ovan\u00e9 st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky nebo da\u0148ov\u00e9 \u00falevy.<\/p>\n<h3>Rozd\u00edl mezi dopl\u0148kov\u00fdm penzijn\u00edm spo\u0159en\u00edm a penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00edm<\/h3>\n<p>Hlavn\u00ed rozd\u00edly mezi dopl\u0148kov\u00fdm penzijn\u00edm spo\u0159en\u00edm a penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00edm jsou jejich <strong>funk\u010dnost<\/strong> nebo struktura.<\/p>\n<p><em>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed<\/em> v\u011bt\u0161inou zahrnuje <strong>\u0161ir\u0161\u00ed<\/strong> spektrum forem spo\u0159en\u00ed. M\u016f\u017eeme sem za\u0159adit nap\u0159\u00edklad penzijn\u00ed fondy, st\u00e1tn\u011b podporovan\u00e9 penzijn\u00ed <strong>p\u0159\u00edsp\u011bvky<\/strong> nebo individu\u00e1ln\u00ed spo\u0159en\u00ed na d\u016fchod. Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed je regulovan\u00e9 r\u016fzn\u00fdmi<a href=\"https:\/\/orangeacademy.cz\/clanky\/kontrola-z-financniho-uradu\/\" target=\"_blank\" rel=\"noopener\"> z\u00e1kony<\/a> a mohou jej poskytovat r\u016fzn\u00e9 finan\u010dn\u00ed instituce.<\/p>\n<p><em>Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/em> je u\u017e konkr\u00e9tn\u00ed forma dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed. Tuto formu <strong>nab\u00edzej\u00ed poji\u0161\u0165ovny<\/strong> a lid\u00e9 uzav\u00edraj\u00ed s poji\u0161\u0165ovnou smlouvu, do kter\u00e9 pravideln\u011b p\u0159isp\u00edvaj\u00ed finan\u010dn\u00ed \u010d\u00e1stkou. Takto investuj\u00ed a\u017e do doby, kdy dos\u00e1hnou <strong>d\u016fchodov\u00e9ho<\/strong> v\u011bku.<\/p>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-9187\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2021\/09\/dedictvi-1080x675-1-930x581.jpg\" alt=\"dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed\" width=\"930\" height=\"581\" \/><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Kdy_mohu_vybrat_doplnkove_penzijni_sporeni\"><\/span>Kdy mohu vybrat dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Zp\u016fsoby jak a kdy m\u016f\u017eete vybrat dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed <strong>d\u011bl\u00edme<\/strong> do oblast\u00ed <em>\u0159\u00e1dn\u00e9ho ukon\u010den\u00ed smlouvy<\/em> a <em>p\u0159ed\u010dasn\u00e9ho ukon\u010den\u00ed smlouvy<\/em>.<\/p>\n<p><strong>K\u00a0oblasti \u0159\u00e1dn\u00e9ho ukon\u010den\u00ed smlouvy pat\u0159\u00ed:<\/strong><\/p>\n<h3>P\u0159edd\u016fchod<\/h3>\n<p>\u010cerpat <strong>finan\u010dn\u00ed prost\u0159edky<\/strong> m\u016f\u017eete nejd\u0159\u00edve p\u011bt let p\u0159ed dosa\u017een\u00edm v\u011bku, na jeho\u017e z\u00e1klad\u011b m\u00e1te n\u00e1rok na starobn\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/narok-na-duchod\/\" target=\"_blank\" rel=\"noopener\">d\u016fchod<\/a>. Stejn\u011b tak m\u016f\u017eete pen\u00edze vybrat nejd\u0159\u00edve po p\u011bti letech spo\u0159en\u00ed a naspo\u0159en\u00ed minim\u00e1ln\u00ed \u010d\u00e1stky k\u00a0v\u00fdplat\u011b.<\/p>\n<h3>Jednor\u00e1zov\u00e9 vyrovn\u00e1n\u00ed<\/h3>\n<p>N\u00e1rok na v\u00fdb\u011br financ\u00ed vznik\u00e1<strong> minim\u00e1ln\u011b<\/strong> za p\u011bt let spo\u0159en\u00ed a p\u0159i sou\u010dasn\u00e9m dosa\u017een\u00ed v\u011bku 60 let.<\/p>\n<h3>Invalidn\u00ed penze na ur\u010denou dobu<\/h3>\n<p>N\u00e1rok na v\u00fdplatu m\u00e1te tehdy, pokud spo\u0159\u00edc\u00ed doba \u010din\u00ed <strong>nejm\u00e9n\u011b 36 kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u016f<\/strong>. Pokud budete \u017e\u00e1dat o v\u00fdplatu invalidn\u00ed penze, mus\u00edte dolo\u017eit \u00fa\u0159edn\u011b ov\u011b\u0159en\u00fd doklad o tom, \u017ee v\u00a0sou\u010dasn\u00e9 dob\u011b <strong>pob\u00edr\u00e1te<\/strong> invalidn\u00ed d\u016fchod pro III. stupe\u0148 invalidity.<\/p>\n<h3>Starobn\u00ed penze<\/h3>\n<p>Vypl\u00e1c\u00ed se minim\u00e1ln\u011b <strong>po 5 letech<\/strong> spo\u0159en\u00ed a sou\u010dasn\u00e9m dosa\u017een\u00ed v\u011bku 60 let. Spo\u0159\u00edc\u00ed doba je u v\u0161ech, i v\u00fd\u0161e uveden\u00fdch, rozum\u011bna jako hrazen\u00e9 m\u011bs\u00edce.<\/p>\n<p><strong>K\u00a0oblasti p\u0159ed\u010dasn\u00e9ho ukon\u010den\u00ed smlouvy se \u0159ad\u00ed:<\/strong><\/p>\n<h3>Odbytn\u00e9<\/h3>\n<p>N\u00e1rok na v\u00fdplatu<a href=\"https:\/\/orangeacademy.cz\/clanky\/lidsky-kapital\/\" target=\"_blank\" rel=\"noopener\"> finan\u010dn\u00edch<\/a> prost\u0159edk\u016f v\u00e1m n\u00e1le\u017e\u00ed, pokud jste spo\u0159ili nejm\u00e9n\u011b 24 kalend\u00e1\u0159n\u00edch m\u011bs\u00edc\u016f. P\u0159i v\u00fdplat\u011b na <strong>z\u00e1klad\u011b odbytn\u00e9ho<\/strong> v\u00e1m vznik\u00e1 n\u00e1rok na v\u00fdb\u011br finan\u010dn\u00edch prost\u0159edk\u016f bez st\u00e1tn\u00edho p\u0159\u00edsp\u011bvky a v\u00fdnos\u016f z n\u011bj. V\u00a0p\u0159\u00edpad\u011b, \u017ee v\u00e1m na penzijn\u00ed spo\u0159en\u00ed<strong> p\u0159isp\u00edval<\/strong> zam\u011bstnavatel, dan\u00ed se jeho p\u0159\u00edsp\u011bvek 15 %. \u00da\u010dastn\u00edk na poji\u0161t\u011bn\u00ed vrac\u00ed uplatn\u011bn\u00e9 da\u0148ov\u00e9 odpo\u010dty.<\/p>\n<p>P\u0159em\u00fd\u0161len\u00ed nad<strong> budoucnost\u00ed<\/strong> zahrnuje i mo\u017enosti, jak<strong> m\u016f\u017eete<\/strong> sv\u016fj \u017eivot ovlivnit v d\u016fchodov\u00e9m v\u011bku. Je tak\u00e9 d\u016fle\u017eit\u00e9 p\u0159ijmou <a href=\"https:\/\/rekvalifikacnikurzy.cz\/clanky\/karierni-rust\" target=\"_blank\" rel=\"noopener\">zodpov\u011bdnost<\/a> za svou finan\u010dn\u00ed budoucnost a stabilitu a zamyslet se nad v\u00fdhodami, kter\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed p\u0159in\u00e1\u0161\u00ed. V\u00fdhodou dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed je jeho flexibilita, kdy si m\u016f\u017eete vybrat kolik budete <strong>spo\u0159it<\/strong>, jak a u koho smlouvu uzav\u0159ete.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed v\u00e1m m\u016f\u017ee zajistit vy\u0161\u0161\u00ed p\u0159\u00edjem v\u00a0d\u016fchodov\u00e9m v\u011bku. Co dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed je a jak funguje se dozv\u00edte v\u00a0\u010dl\u00e1nku. Co je dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed? Jedn\u00e1 se o dlouhodobou investici, kterou v\u011bt\u0161ina lid\u00ed vyu\u017e\u00edv\u00e1 jako spo\u0159en\u00ed na d\u016fchod. Mo\u017enost sjedn\u00e1n\u00ed dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed se datuje k 1. lednu 2013. Toto spo\u0159en\u00ed je ur\u010deno k [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":8333,"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":[35,45,310,8],"class_list":["post-9192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personalistika","category-prace-a-kariera","category-vzdelavani","tag-kariera","tag-motivace","tag-penize","tag-vzdelavani"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u0159em\u00fd\u0161l\u00edte o dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed?<\/title>\n<meta name=\"description\" content=\"Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. 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