{"id":1224,"date":"2019-08-15T15:27:13","date_gmt":"2019-08-15T13:27:13","guid":{"rendered":"http:\/\/mskarydkova.cz\/new\/?p=1224"},"modified":"2020-02-05T19:09:31","modified_gmt":"2020-02-05T18:09:31","slug":"duchodova-reforma-jake-zmeny-jsou-obsazeny-ve-vladnim-navrhu","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/duchodova-reforma-jake-zmeny-jsou-obsazeny-ve-vladnim-navrhu\/","title":{"rendered":"D\u016fchodov\u00e1 reforma – jak\u00e9 zm\u011bny jsou obsa\u017eeny ve vl\u00e1dn\u00edm n\u00e1vrhu?"},"content":{"rendered":"\n

St\u00e1t chyst\u00e1 vlastn\u00ed penzijn\u00ed fond<\/h2>\n\n\n\n

Vl\u00e1da sl\u00edbila letos na podzim p\u0159edstavit novou d\u016fchodovou reformu, nicm\u00e9n\u011b u\u017e nyn\u00ed je jist\u00e9, \u017ee se do z\u00e1v\u011bre\u010dn\u00fdch doporu\u010den\u00ed dostane n\u00e1vrh st\u00e1tn\u00edho penzijn\u00edho fondu.  V sou\u010dasnosti penzijn\u00ed fondy spravuj\u00ed pouze soukrom\u00e9 instituce- penzijn\u00ed spole\u010dnosti.<\/strong> Nov\u011b by tak m\u011bla vzniknou \u201ekonkurence\u201c t\u011bmto soukrom\u00fdm penzijn\u00edm spole\u010dnostem a to st\u00e1tn\u00ed penzijn\u00ed fond (spravovan\u00fd st\u00e1tem).<\/strong><\/p>\n\n\n\n\n\n\n\n

Jak to dnes s penzijn\u00edm syst\u00e9mem vypad\u00e1?<\/h4>\n\n\n\n

Podle statistik Ministerstva pr\u00e1ce a soci\u00e1ln\u00edch v\u011bc\u00edch (d\u00e1le MPSV) vych\u00e1z\u00ed, \u017ee ke konci minul\u00e9ho roku (2018) m\u011bli \u010ce\u0161i v penzijn\u00edch fondech p\u0159es 447 miliard korun.<\/strong> V transformovan\u00fdch fondech<\/strong> (to jsou ty smlouvy, kter\u00e9 maj\u00ed zachovanou garanci nez\u00e1porn\u00e9ho zhodnocen\u00ed) z\u016fstalo po reform\u011b v roce 2013 3,47mil osob<\/strong> a do nov\u00e9ho \u00fa\u010dastnick\u00e9ho fondu<\/strong> (tyto smlouvy jsou investi\u010dn\u00ed bez garance nez\u00e1porn\u00e9ho zhodnocen\u00ed) vstoupilo za 6 let pouze 967tis osob. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e spo\u0159en\u00ed je 680,-<\/strong><\/p>\n\n\n\n

Jak si vedlo zhodnocen\u00ed vklad\u016f v minul\u00e9m roce, jsem psala tady:<\/em>Jak si vedly penzijn\u00ed fondy v roce 2019<\/a><\/p>\n\n\n\n

Aktu\u00e1ln\u011b plat\u00ed tento model penzijn\u00edho spo\u0159en\u00ed (p\u0159ipoji\u0161t\u011bn\u00ed):<\/strong><\/p>\n\n\n\n

  1. Kdy\u017e spo\u0159\u00edte do t\u0159\u00ed stovek m\u011bs\u00ed\u010dn\u011b, od st\u00e1tu nic nedostanete,<\/li>
  2. Kdy\u017e spo\u0159\u00edte od t\u0159\u00ed stovek do tis\u00edcovky<\/strong>, tak dostanete od 90,-K\u010d do 230,-<\/li>
  3. A\u017e do \u00falo\u017eky 3000,-K\u010d roste odpo\u010ditateln\u00e1 polo\u017eka ze z\u00e1kladu dan\u011b, kter\u00fd je mo\u017en\u00e9 takto sn\u00ed\u017eit a\u017e o 24tis ro\u010dn\u011b<\/strong>.<\/li>
  4. V p\u0159\u00edpad\u011b, \u017ee m\u00e1te nav\u00edc je\u0161t\u011b p\u0159\u00edsp\u011bvek od zam\u011bstnavatele, pak jsou tyto vklady osvobozeny od dan\u011b z p\u0159\u00edjmu a od placen\u00ed pojistn\u00e9ho na soci\u00e1ln\u00ed a zdravotn\u00ed poji\u0161t\u011bn\u00ed.<\/li><\/ol>\n\n\n\n

    Co st\u00e1tn\u00ed penzijn\u00ed fond p\u0159inese?<\/strong><\/h4>\n\n\n\n

    Transformovan\u00e9 fondy<\/strong> (\u201estar\u00e9 smlouvy\u201c zalo\u017een\u00e9 p\u0159ed rokem 2013) poskytuj\u00ed minim\u00e1ln\u00ed, ne-li nulov\u00e9 zhodnocen\u00ed<\/strong>, av\u0161ak v\u011bt\u0161ina \u010cech\u016f v t\u011bchto fondech stejn\u011b z\u016fst\u00e1v\u00e1 a nav\u00edc si spo\u0159\u00ed \u0159\u00e1dov\u011b stovky korun (pr\u016fm\u011br je 680,-). Zam\u011bstnavatel p\u0159isp\u00edv\u00e1 p\u0159ibli\u017en\u011b 1 mil st\u0159adatel\u016f. Jakmile dojde na d\u016fchodov\u00fd v\u011bk a n\u00e1rok na v\u00fdplatu z penzijn\u00edho spo\u0159en\u00ed (p\u0159ipoji\u0161t\u011bn\u00ed), v\u011bt\u0161inou to dopadne tak, \u017ee si lid\u00e9 vyberou jednor\u00e1zov\u011b cel\u00fd z\u016fstatek fondu (rentu si m\u00e1lo kdo nech\u00e1 vypl\u00e1cet) a d\u00e1l funguj\u00ed pouze na st\u00e1tn\u00edm d\u016fchodu.<\/p>\n\n\n\n

    C\u00edlem st\u00e1tn\u00edho penzijn\u00edho fondu je p\u0159im\u011bt \u00fa\u010dastn\u00edky z transformovan\u00e9ho fondu vystoupit. Jak?<\/strong><\/h6>\n\n\n\n
    1. St\u00e1tn\u00ed penzijn\u00ed fond by m\u011bl zhodnocovat \u00faspory alespo\u0148 na \u00farovni inflace<\/strong>, p\u0159i minim\u00e1ln\u00ed d\u00e9lce trv\u00e1n\u00ed smlouvy 10let a to v r\u00e1mci bezpe\u010dn\u00fdch investic st\u00e1tu.<\/li>
    2. St\u00e1t by tak\u00e9 garantoval vklady <\/strong>(tedy co do fondu vlo\u017e\u00edte, o to nep\u0159ijdete)<\/li>
    3. Do st\u00e1tn\u00edho penzijn\u00edho fondu by automaticky m\u011bli vstoupit mlad\u00ed okam\u017eikem n\u00e1stupu na trh pr\u00e1ce<\/strong> (nikoliv do zam\u011bstn\u00e1n\u00ed! Tzn., \u017ee jakmile mlad\u00ed dokon\u010d\u00ed \u0161kolu a p\u0159ihl\u00e1s\u00ed se na \u00fa\u0159ad pr\u00e1ce, automaticky tak budou p\u0159ihl\u00e1\u0161eni i do st\u00e1tn\u00edho penzijn\u00edho fondu)<\/li>
    4. Poplatek st\u00e1tn\u00edmu fondu bude podstatn\u011b ni\u017e\u0161\u00ed- hovo\u0159\u00ed se o 0,35% z hodnoty aktiv<\/strong>, ne\u017e tomu je aktu\u00e1ln\u011b u penzijn\u00edch smluv (u transformovan\u00e9ho fondu si m\u016f\u017ee spole\u010dnost \u00fa\u010dtovat 1% z majetku a 10% ze zhodnocen\u00ed; v \u00fa\u010dastnick\u00fdch fondech je to od 0,4% do 0,8%z majetku a podle zvolen\u00e9 strategie a 10% a\u017e 15% ze zhodnocen\u00ed)<\/li><\/ol>\n\n\n\n

      Mimo n\u00e1vrh vzniku nov\u00e9ho penzijn\u00edho fondu se tak\u00e9 reforma zaob\u00edr\u00e1 \u00fapravami ve v\u00fd\u0161i st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku a to:<\/strong><\/p>\n\n\n\n

      1. Aby si lid\u00e9 spo\u0159ili d\u00e9le a vy\u0161\u0161\u00ed \u010d\u00e1stky, vl\u00e1da chce st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek sn\u00ed\u017eit men\u0161\u00edm st\u0159adatel\u016fm a zv\u00fd\u0161it v\u011bt\u0161\u00edm<\/strong> (porovn\u00e1n\u00ed p\u0159\u00edsp\u011bvku viz tabulka n\u00ed\u017ee)<\/li>
      2. Uva\u017euje se i o prodlou\u017een\u00ed doby spo\u0159en\u00ed pro mo\u017enost v\u00fdb\u011bru bez ztr\u00e1ty st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku z 5 na 10let.<\/strong><\/li>
      3. A d\u00e1le je v n\u00e1vrhu n\u011bkolik variant, jak znev\u00fdhodnit jednor\u00e1zov\u00e9 v\u00fdb\u011bry vklad\u016f<\/strong> (zv\u00fd\u0161en\u00ed zdan\u011bn\u00ed v\u00fdb\u011br\u016f, nebo v\u00fdplata jen \u010d\u00e1sti \u00faspor jednor\u00e1zov\u011b a \u010d\u00e1st pouze formou renty aj.) s c\u00edlem zv\u00fd\u0161it z\u00e1jem o v\u00fdplatu \u00faspor formou renty.<\/li><\/ol>\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>\nNavrhovan\u00e1 zm\u011bna v reform\u011b\n<\/th><\/tr><\/thead>
        100,-K\u010d<\/td>0,-K\u010d<\/td>0,-K\u010d<\/td><\/tr>
        200,-K\u010d<\/td>0,-K\u010d<\/td>0,-K\u010d<\/td><\/tr>
        300,-K\u010d<\/td>90,-K\u010d<\/td>69,-K\u010d<\/td><\/tr>
        400,-K\u010d<\/td>110,-K\u010d<\/td>89,-K\u010d<\/td><\/tr>
        500,-K\u010d<\/td>120,-K\u010d<\/td>109,-K\u010d<\/td><\/tr>
        600,-K\u010d<\/td>150,-K\u010d<\/td>129,-K\u010d<\/td><\/tr>
        700,-K\u010d<\/td>170,-K\u010d<\/td>161,-K\u010d<\/td><\/tr>
        800,-K\u010d<\/td>190,-K\u010d<\/td>181,-K\u010d<\/td><\/tr>
        900,-k\u010d<\/td>210,-K\u010d<\/td>201,-K\u010d<\/td><\/tr>
        1000,-K\u010d<\/td>230,-K\u010d<\/td>253,-K\u010d<\/td><\/tr>
        1500,-K\u010d<\/td>230,-K\u010d<\/td>253,-K\u010d<\/td><\/tr>
        2000,-K\u010d<\/td>230,-K\u010d<\/td>253,-K\u010d<\/td><\/tr>
        3000,-K\u010d<\/td>230,-K\u010d<\/td>253,-K\u010d<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

        St\u00e1t chyst\u00e1 vlastn\u00ed penzijn\u00ed fond Vl\u00e1da sl\u00edbila letos na podzim p\u0159edstavit novou d\u016fchodovou reformu, nicm\u00e9n\u011b u\u017e nyn\u00ed je jist\u00e9, \u017ee se do z\u00e1v\u011bre\u010dn\u00fdch doporu\u010den\u00ed dostane n\u00e1vrh st\u00e1tn\u00edho penzijn\u00edho fondu.  V sou\u010dasnosti penzijn\u00ed fondy spravuj\u00ed pouze soukrom\u00e9 instituce- penzijn\u00ed spole\u010dnosti. Nov\u011b by tak m\u011bla vzniknou \u201ekonkurence\u201c t\u011bmto soukrom\u00fdm penzijn\u00edm spole\u010dnostem a to st\u00e1tn\u00ed penzijn\u00ed fond (spravovan\u00fd st\u00e1tem).<\/p>\n","protected":false},"author":1,"featured_media":1229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"ub_ctt_via":"","footnotes":""},"categories":[70],"tags":[71,91],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2019\/10\/penzijn\u00ed-reforma-zm\u011bny.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\/1224"}],"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=1224"}],"version-history":[{"count":0,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/1224\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/1229"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=1224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=1224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=1224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}