{"id":1097,"date":"2019-04-11T14:10:28","date_gmt":"2019-04-11T12:10:28","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1097"},"modified":"2020-02-05T19:53:40","modified_gmt":"2020-02-05T18:53:40","slug":"doplnkove-penzijni-sporeni-v-roce-2019","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/doplnkove-penzijni-sporeni-v-roce-2019\/","title":{"rendered":"Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed v roce 2019"},"content":{"rendered":"\n

Pr\u016fm\u011brn\u00fd v\u011bk ob\u010dan\u016f \u010cR roste a do budoucna je tedy prakticky nemo\u017en\u00e9, aby se st\u00e1t pod\u00edlel na vypl\u00e1cen\u00ed penz\u00ed v takov\u00e9 m\u00ed\u0159e, jako je tomu doposud. Bude tedy na ka\u017ed\u00e9m z n\u00e1s, aby se postaral o vlastn\u00ed budoucnost a zajistil se do penze co nejl\u00e9pe.<\/p>\n\n\n\n\n\n\n\n

Jak\u00e1 je podpora od st\u00e1tu na dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed v roce 2019?<\/h3>\n\n\n\n

Podpora od st\u00e1tu je formou st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f a tak\u00e9 jako mo\u017enost ode\u010d\u00edst si ze z\u00e1kladu dan\u011b prost\u0159edky odkl\u00e1dan\u00e9 na penzi do jin\u00e9ho ne\u017e prvn\u00edho pil\u00ed\u0159e. Nav\u00edc i zam\u011bstnavatel m\u016f\u017ee na spo\u0159en\u00ed p\u0159isp\u00edvat ur\u010ditou \u010d\u00e1stkou, kterou nemus\u00ed nijak danit.<\/p>\n\n\n\n

V\u00fd\u0161e st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku je z\u00e1visl\u00e1 na v\u00fd\u0161i va\u0161\u00ed platby:<\/strong><\/p>\n\n\n\n

\nM\u011bs\u00ed\u010dn\u00ed vklad\n<\/th>\nV\u00fd\u0161e st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku 2019\n<\/th><\/tr><\/thead>
100,\u2013 K\u010d<\/td>0,\u2013 K\u010d<\/td><\/tr>
200,\u2013 K\u010d<\/td>0,\u2013 K\u010d<\/td><\/tr>
300,\u2013 K\u010d<\/td>90,\u2013 K\u010d<\/td><\/tr>
400,\u2013 K\u010d<\/td>110,\u2013 K\u010d<\/td><\/tr>
500,\u2013 K\u010d<\/td>130,\u2013 K\u010d<\/td><\/tr>
600,\u2013 K\u010d<\/td>150,\u2013 K\u010d<\/td><\/tr>
700,\u2013 K\u010d<\/td>170,\u2013 K\u010d<\/td><\/tr>
800,\u2013 K\u010d<\/td>190,\u2013 K\u010d<\/td><\/tr>
900,\u2013 K\u010d<\/td>210,\u2013 K\u010d<\/td><\/tr>
1000,\u2013 K\u010d<\/td>230,\u2013 K\u010d<\/td><\/tr>
1500,\u2013 K\u010d<\/td>230,\u2013 K\u010d<\/td><\/tr>
2000,\u2013 K\u010d<\/td>230,\u2013 K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

TIP !!  Vkl\u00e1d\u00e1te-li na \u00fa\u010det alespo\u0148 300,\u2013 K\u010d m\u011bs\u00ed\u010dn\u011b, dostane od st\u00e1tu p\u0159\u00edsp\u011bvek ve v\u00fd\u0161i 90,\u2013 K\u010d + 20% z vkladu nad 300,\u2013 K\u010d. Maxim\u00e1ln\u00ed v\u00fd\u0161e st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku je 230,\u2013 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/strong><\/p><\/blockquote>\n\n\n\n

Jak\u00fd je aktu\u00e1ln\u011b d\u016fchodov\u00fd syst\u00e9m v \u010cR:<\/h3>\n\n\n\n

I. pil\u00ed\u0159: Pr\u016fb\u011b\u017en\u00e9 st\u00e1tn\u00ed d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed<\/strong><\/h4>\n\n\n\n

Prvn\u00ed pil\u00ed\u0159 je pr\u016fb\u011b\u017en\u00fdm d\u016fchodov\u00fdm syst\u00e9mem, do n\u011bho\u017e musej\u00ed \u010d\u00e1st v\u00fdd\u011blku odv\u00e1d\u011bt jak zam\u011bstnanci, tak jejich zam\u011bstnavatel\u00e9. Ale i OSV\u010c, kte\u0159\u00ed maj\u00ed nastaven minim\u00e1ln\u00ed odv\u00e1d\u011bn\u00fd limit.<\/p>\n\n\n\n

Prvn\u00ed pil\u00ed\u0159 slou\u017e\u00ed jako zdroj pro v\u00fdplaty b\u011b\u017en\u00e9ho starobn\u00edho d\u016fchodu. V\u00fdpo\u010det d\u016fchodu se odv\u00edj\u00ed od n\u011bkolika krit\u00e9ri\u00ed, t\u011bmi z\u00e1kladn\u00edmi jsou d\u00e9lka placen\u00ed do prvn\u00edho pil\u00ed\u0159e a tak\u00e9 zaplacen\u00e9 \u010d\u00e1stky v ur\u010dit\u00e9m obdob\u00ed \u017eivota konkr\u00e9tn\u00edho d\u016fchodce. Syst\u00e9m je solid\u00e1rn\u00ed, tak\u017ee ti, co m\u011bli v\u00fdrazn\u011b vy\u0161\u0161\u00ed v\u00fdd\u011blky, nemaj\u00ed o tolik vy\u0161\u0161\u00ed d\u016fchody. O \u010d\u00e1st se pod\u011bl\u00ed s t\u011bmi, jejich\u017e (p\u0159iznan\u00e9) p\u0159\u00edjmy byly ni\u017e\u0161\u00ed.<\/p>\n\n\n\n

II. pil\u00ed\u0159: D\u016fchodov\u00e9 spo\u0159en\u00ed (zru\u0161en)<\/strong><\/h4>\n\n\n\n

Druh\u00fd pil\u00ed\u0159 byl zru\u0161en v lednu 2016.<\/strong> Byl nepovinn\u00fd a tvo\u0159ily ho soukrom\u00e9 fondy zainvestovan\u00e9 prost\u0159ednictv\u00edm tzv. opt-outu.<\/p>\n\n\n\n

III. pil\u00ed\u0159: Dobrovoln\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed a dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed<\/strong><\/h4>\n\n\n\n

Ve t\u0159et\u00edm pil\u00ed\u0159i do\u0161lo k velk\u00e9mu zlomu koncem roku 2012, kdy byla posledn\u00ed mo\u017enost uzav\u0159\u00edt smlouvy na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Smlouvy, pokud je klienti nevypov\u011bd\u011bli, jsou st\u00e1le platn\u00e9. Od roku 2013 se fondy, kter\u00e9 provozuj\u00ed toto p\u0159ipoji\u0161t\u011bn\u00ed, musely transformovat. Ale z\u00e1kladn\u00ed podm\u00ednky z\u016fstaly stejn\u00e9.<\/p>\n\n\n\n

Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (od roku 2013)<\/strong><\/h3>\n\n\n\n

Od ledna 2013 byla zavedena mo\u017enost sjednat v r\u00e1mci III. pil\u00ed\u0159e dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. Jeho pravidla se od p\u016fvodn\u00edho penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed v\u00fdznamn\u011b li\u0161\u00ed. Z\u016fst\u00e1vaj\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky, mo\u017enost odpo\u010dtu od da\u0148ov\u00e9ho z\u00e1kladu a tak\u00e9 mo\u017enost p\u0159\u00edsp\u011bvk\u016f od zam\u011bstnavatele.<\/p>\n\n\n\n

Chyb\u00ed v\u0161ak garance nez\u00e1porn\u00e9ho zhodnocen\u00ed (tady m\u016f\u017ee j\u00edt zhodnocen\u00ed do m\u00ednusu). Nedostanete tu ani v\u00fdsluhovou a ani poz\u016fstalostn\u00ed penzi. Na rozd\u00edl od penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed v\u0161ak m\u016f\u017eete z\u00edskat tzv. p\u0159edd\u016fchod, co\u017e je \u010derp\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f ji\u017e 5 let p\u0159ed dosa\u017een\u00edm d\u016fchodov\u00e9ho v\u011bku.<\/strong><\/p>\n\n\n\n

Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed je spravov\u00e1no \u00fa\u010dastnick\u00fdmi fondy. \u00da\u010dastnick\u00e9 fondy musej\u00ed klient\u016fm povinn\u011b nab\u00eddnout z\u00e1kladn\u00ed konzervativn\u00ed strategii investov\u00e1n\u00ed. Mohou p\u0159idat i dynami\u010dt\u011bj\u0161\u00ed modely, v\u011bt\u0161inou naz\u00fdvan\u00e9 jako fond vyv\u00e1\u017een\u00fd a fond dynamick\u00fd. Klienti mohou mezi \u00fa\u010dastnick\u00fdmi fondy voln\u011b p\u0159ech\u00e1zet. Abyste zjistili, jak\u00fd jste typem investora- tedy jak vysok\u00e9 riziko jste ochotn\u00ed akceptovat, existuj\u00ed investi\u010dn\u00ed dotazn\u00edky, jeho\u017e vypln\u011bn\u00ed je v\u017edy ned\u00edlnou sou\u010d\u00e1st\u00ed ka\u017ed\u00e9 investi\u010dn\u00ed smlouvy, tedy i penzijn\u00edho spo\u0159en\u00ed.<\/p>\n\n\n\n

Jak si vedly \u00fa\u010dastnick\u00e9 fondy jednotliv\u00fdch penzijn\u00edch spole\u010dnost\u00ed v roce 2018?<\/strong><\/h3>\n\n\n\n
\nPenzijn\u00ed spole\u010dnost\n<\/th>\nFond\n<\/th>\nZa rok 2017\n<\/th>\nZa rok 2018\n<\/th>\nCelkov\u011b od za\u010d\u00e1tku fungov\u00e1n\u00ed fondu\n<\/th><\/tr><\/thead>
NN<\/td>R\u016fstov\u00fd fond (od 3\/2015)<\/td>14,04 %<\/td>\u20139,22 %<\/td>0,15 %<\/td><\/tr>
Conseq<\/td>Glob\u00e1ln\u00ed akciov\u00fd fond<\/td>9,96 %<\/td>\u20139,69 %<\/td>48,12 %<\/td><\/tr>
\u010cesk\u00e9 spo\u0159itelny<\/td>Dynamick\u00fd fond<\/td>8,20 %<\/td>\u20136,00 %<\/td>15,80 %<\/td><\/tr>
\u010cesk\u00e9 poji\u0161\u0165ovny<\/td>Dynamick\u00fd fond<\/td>8,20 %<\/td>\u20139,13 %<\/td>9,94 %<\/td><\/tr>
Komer\u010dn\u00ed banky<\/td>Dynamick\u00fd fond<\/td>7,51 %<\/td>\u20139,51 %<\/td>7,76 %<\/td><\/tr>
\u010cSOB<\/td>Dynamick\u00fd fond<\/td>5,53 %<\/td>\u201310,09 %<\/td>11,89 %<\/td><\/tr>
\u010cesk\u00e9 poji\u0161\u0165ovny<\/td>Vyv\u00e1\u017een\u00fd fond<\/td>4,10 %<\/td>\u20134,85 %<\/td>9,40 %<\/td><\/tr>
Allianz<\/td>Dynamick\u00fd fond<\/td>4,07 %<\/td>\u20136,86 %<\/td>8,04 %<\/td><\/tr>
\u010cesk\u00e9 spo\u0159itelny<\/td>Vyv\u00e1\u017een\u00fd fond<\/td>3,70 %<\/td>\u20133,00 %<\/td>10,20 %<\/td><\/tr>
Komer\u010dn\u00ed banky<\/td>Vyv\u00e1\u017een\u00fd fond<\/td>2,90 %<\/td>\u20136,41 %<\/td>1,51 %<\/td><\/tr>
\u010cSOB<\/td>Vyv\u00e1\u017een\u00fd fond<\/td>2,62 %<\/td>\u20135,88 %<\/td>7,78 %<\/td><\/tr>
\u010cesk\u00e9 spo\u0159itelny<\/td>Etick\u00fd fond (od 11\/2017)<\/td>1.00 % (dotace od penzijn\u00ed spole\u010dnosti)<\/td>\u20131,50 %<\/td>\u20130,50 %<\/td><\/tr>
\u010cesk\u00e9 poji\u0161\u0165ovny<\/td>Konzervativn\u00ed fond<\/td>0,00 %<\/td>\u20130,34 %<\/td>3,56 %<\/td><\/tr>
AXA<\/td>Vyv\u00e1\u017een\u00fd fond<\/td>-0,11 %<\/td>\u20134,24 %<\/td>7,46 %<\/td><\/tr>
\u010cesk\u00e9 spo\u0159itelny<\/td>Konzervativn\u00ed fond<\/td>-0,62 %<\/td>0,20 %<\/td>1,80 %<\/td><\/tr>
Allianz<\/td>Vyv\u00e1\u017een\u00fd fond<\/td>-0,72 %<\/td>\u20133,62 %<\/td>4,78 %<\/td><\/tr>
\u010cSOB<\/td>Konzervativn\u00ed fond<\/td>-0,94 %<\/td>\u20131,16 %<\/td>2,85 %<\/td><\/tr>
Conseq<\/td>Konzervativn\u00ed fond<\/td>-0,96 %<\/td>\u20130,98 %<\/td>0,71 %<\/td><\/tr>
NN<\/td>Vyv\u00e1\u017een\u00fd fond (od 11\/2014)<\/td>-0,99 %<\/td>\u20134,42 %<\/td>\u20133,54 %<\/td><\/tr>
Conseq<\/td>Dluhopisov\u00fd fond<\/td>-1,04 %<\/td>\u20130,09 %<\/td>9,73 %<\/td><\/tr>
AXA<\/td>Dluhopisov\u00fd fond<\/td>-1,34 %<\/td>\u20130,91 %<\/td>2,05 %<\/td><\/tr>
AXA<\/td>Konzervativn\u00ed fond<\/td>-1,38 %<\/td>\u20130,84 %<\/td>1,51 %<\/td><\/tr>
Komer\u010dn\u00ed banky<\/td>Spo\u0159\u00edc\u00ed fond (od 8\/2015)<\/td>-1,39 %<\/td>\u20132,65 %<\/td>\u20133,22 %<\/td><\/tr>
\u010cSOB<\/td>Garantovan\u00fd fond<\/td>-1,41 %<\/td>\u20131,53 %<\/td>0,16 %<\/td><\/tr>
Komer\u010dn\u00ed banky<\/td>Konzervativn\u00ed fond<\/td>-1,57 %<\/td>\u20130,83 %<\/td>\u20130,52 %<\/td><\/tr>
Allianz<\/td>Konzervativn\u00ed fond<\/td>-1,63 %<\/td>0,30 %<\/td>2,59 %<\/td><\/tr>
NN<\/td>Konzervativn\u00ed fond<\/td>-1,93 %<\/td>\u20130,07 %<\/td>0,21 %<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Zdroj: Asociace penzijn\u00edch spole\u010dnost\u00ed \u010cR a jednotliv\u00e9 penzijn\u00ed spole\u010dnosti (tiskov\u00e1 odd\u011blen\u00ed a v p\u0159\u00edpad\u011b \u010cSOB web spole\u010dnosti)<\/em><\/p>\n\n\n\n

Jak se na penzi p\u0159ipravujete vy? <\/strong>V\u00edte, \u017ee penzijko je mo\u017en\u00e9 sjednat u\u017e i d\u011btem a \u017ee v 18ti mohou \u010d\u00e1st pen\u011bz vybrat?<\/strong><\/em><\/p><\/blockquote>\n\n\n\n

Pot\u0159ebujete-li pomoct s v\u00fdb\u011brem penzijn\u00ed spole\u010dnosti nebo poradit s va\u0161\u00edm sou\u010dasn\u00fdm penzijkem, bez obav mi napi\u0161te<\/em> nebo zavolejte<\/em>.<\/h5>\n\n\n\n
\"\"<\/a><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"

Pr\u016fm\u011brn\u00fd v\u011bk ob\u010dan\u016f \u010cR roste a do budoucna je tedy prakticky nemo\u017en\u00e9, aby se st\u00e1t pod\u00edlel na vypl\u00e1cen\u00ed penz\u00ed v takov\u00e9 m\u00ed\u0159e, jako je tomu doposud. Bude tedy na ka\u017ed\u00e9m z n\u00e1s, aby se postaral o vlastn\u00ed budoucnost a zajistil se do penze co nejl\u00e9pe.<\/p>\n","protected":false},"author":1,"featured_media":1106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[65,70],"tags":[66,71,72],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/finance.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1097"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=1097"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1097\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1106"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1097"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1097"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1097"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}