Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) je novinka, kter\u00e1 vstoupila v platnost v roce 2024 a nab\u00edz\u00ed dal\u0161\u00ed mo\u017enost, jak si zajistit dostatek financ\u00ed na st\u00e1\u0159\u00ed. V tomto \u010dl\u00e1nku se pod\u00edv\u00e1me na to, co DIP je, jak funguje a jak\u00e9 jsou jeho hlavn\u00ed v\u00fdhody a nev\u00fdhody.<\/p>\n
Co je DIP?<\/b><\/p>\n
DIP je dlouhodob\u011b investi\u010dn\u00ed produkt, kter\u00fd umo\u017e\u0148uje investor\u016fm ukl\u00e1dat pen\u00edze na dlouhodob\u00fd horizont s c\u00edlem dos\u00e1hnout zhodnocen\u00ed a zajistit si tak dostatek financ\u00ed na st\u00e1\u0159\u00ed. Jedn\u00e1 se o st\u00e1tem podporovan\u00fd n\u00e1stroj, kter\u00fd umo\u017e\u0148uje investor\u016fm spo\u0159it na st\u00e1\u0159\u00ed s da\u0148ov\u00fdmi v\u00fdhodami a p\u0159\u00edsp\u011bvky od zam\u011bstnavatele. Investovat se d\u00e1 do \u0161irok\u00e9 \u0161k\u00e1ly investi\u010dn\u00edch n\u00e1stroj\u016f, jako jsou nap\u0159\u00edklad akcie, dluhopisy, nemovitosti, pod\u00edlov\u00e9 fondy a ETF.<\/p>\n
Hlavn\u00ed v\u00fdhody DIP:<\/b><\/p>\n
<\/b>Da\u0148ov\u00e9 \u00falevy:<\/b> Vklady do DIP jsou da\u0148ov\u011b zv\u00fdhodn\u011bny. Investo\u0159i si mohou ode\u010d\u00edst z da\u0148ov\u00e9ho z\u00e1kladu a\u017e 48 000 K\u010d ro\u010dn\u011b, \u010d\u00edm\u017e u\u0161et\u0159\u00ed a\u017e 7 200 K\u010d na dan\u00edch ( zam\u011bstnanec i OSV\u010c ).<\/b><\/p>\n
<\/b>P\u0159\u00edsp\u011bvky od zam\u011bstnavatele:<\/b> Zam\u011bstnavatel\u00e9 mohou sv\u00fdm zam\u011bstnanc\u016fm p\u0159isp\u00edvat na DIP a\u017e 50 000 K\u010d ro\u010dn\u011b. Tyto p\u0159\u00edsp\u011bvky nejsou zdaniteln\u00e9 ani pro zam\u011bstnavatele, ani pro zam\u011bstnance.<\/p>\n
<\/b>Volnost investov\u00e1n\u00ed:<\/b> Investo\u0159i si sami vyb\u00edraj\u00ed, do \u010deho cht\u011bj\u00ed investovat. Nab\u00edz\u00ed se \u0161irok\u00e1 \u0161k\u00e1la investi\u010dn\u00edch n\u00e1stroj\u016f s r\u016fznou m\u00edrou rizika a v\u00fdnosu.<\/p>\n
<\/b>Dlouhodob\u00fd horizont:<\/b> DIP je ur\u010den pro dlouhodob\u00e9 investov\u00e1n\u00ed. Minim\u00e1ln\u00ed doba trv\u00e1n\u00ed smlouvy je 10 let a do v\u011bku 60 let.<\/b><\/p>\n
Hlavn\u00ed nev\u00fdhody DIP:<\/b><\/p>\n
<\/b>V\u00e1zanost investic:<\/b> Pen\u00edze v DIP jsou v\u00e1zan\u00e9 po dobu 10 let – t\u00e9ma odkaz na \u010dl\u00e1nek\u00a0<\/span><\/p>\n <\/b>Riziko investov\u00e1n\u00ed:<\/b> Investov\u00e1n\u00ed do cenn\u00fdch pap\u00edr\u016f je v\u017edy spojeno s ur\u010dit\u00fdm rizikem.<\/p>\n DIP vs. penzijn\u00ed spo\u0159en\u00ed:<\/b><\/p>\n DIP a penzijn\u00ed spo\u0159en\u00ed jsou si v mnoha ohledech podobn\u00e9, ale existuj\u00ed i \u200b\u200bmezi nimi n\u011bkter\u00e9 kl\u00ed\u010dov\u00e9 rozd\u00edly. DIP nab\u00edz\u00ed investor\u016fm v\u011bt\u0161\u00ed volnost investov\u00e1n\u00ed a potenci\u00e1ln\u011b vy\u0161\u0161\u00ed v\u00fdnosy. Na druhou stranu je s n\u00edm spojeno i vy\u0161\u0161\u00ed riziko. Penzijn\u00ed spo\u0159en\u00ed je konzervativn\u011bj\u0161\u00ed produkt s ni\u017e\u0161\u00edm rizikem, ale tak\u00e9 s ni\u017e\u0161\u00edmi potenci\u00e1ln\u00edmi v\u00fdnosy a st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem. Ide\u00e1ln\u00ed je kombinace obou instrument\u016f.<\/p>\n DIP vs. investov\u00e1n\u00ed na vlastn\u00ed p\u011bst:<\/b><\/p>\n DIP nab\u00edz\u00ed investor\u016fm n\u011bkter\u00e9 v\u00fdhody oproti investov\u00e1n\u00ed na vlastn\u00ed p\u011bst. Nap\u0159\u00edklad da\u0148ov\u00e9 \u00falevy, p\u0159\u00edsp\u011bvky od zam\u011bstnavatele a mo\u017enost investovat do \u0161irok\u00e9 \u0161k\u00e1ly investi\u010dn\u00edch n\u00e1stroj\u016f s n\u00edzk\u00fdmi poplatky. Na druhou stranu investo\u0159i s DIP nemaj\u00ed takovou kontrolu nad sv\u00fdmi investicemi jako p\u0159i investov\u00e1n\u00ed na vlastn\u00ed p\u011bst. Mno\u017estv\u00ed DIP nen\u00ed omezeno, m\u016f\u017eete tedy nastavit v kombinaci portfolia s investov\u00e1n\u00edm na vlastn\u00ed p\u011bst.\u00a0<\/span><\/p>\n DIP je nov\u00fd a atraktivn\u00ed n\u00e1stroj pro zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed. Nab\u00edz\u00ed investor\u016fm da\u0148ov\u00e9 \u00falevy, p\u0159\u00edsp\u011bvky od zam\u011bstnavatele a mo\u017enost investovat do \u0161irok\u00e9 \u0161k\u00e1ly investi\u010dn\u00edch n\u00e1stroj\u016f s potenci\u00e1ln\u011b vysok\u00fdmi v\u00fdnosy.\u00a0<\/span><\/p>\n Jako finan\u010dn\u00ed poradce v\u00e1m r\u00e1d pomohu s v\u00fdb\u011brem investi\u010dn\u00edho produktu, kter\u00fd nejl\u00e9pe vyhovuje va\u0161im individu\u00e1ln\u00edm pot\u0159eb\u00e1m a c\u00edl\u016fm.<\/b><\/p>\n Nev\u00e1hejte m\u011b kontaktovat a domluvte si nez\u00e1vaznou konzultaci.<\/b><\/p>\n[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1185″ alignment=“center“ animation=“None“ img_link_target=“_blank“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ img_link=“https:\/\/www.jiri-kovar.cz\/index.php\/kontakt\/“][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“774″ alignment=“right“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":" Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) je novinka, kter\u00e1 vstoupila v platnost v roce 2024 a nab\u00edz\u00ed dal\u0161\u00ed mo\u017enost, jak si zajistit dostatek financ\u00ed na st\u00e1\u0159\u00ed. V tomto \u010dl\u00e1nku se pod\u00edv\u00e1me na…<\/p>\n","protected":false},"author":2,"featured_media":1504,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[14,11],"tags":[10],"class_list":{"0":"post-1500","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-duchody","8":"category-investice","9":"tag-hypotecni-uver"},"_links":{"self":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1500"}],"collection":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/comments?post=1500"}],"version-history":[{"count":10,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1500\/revisions"}],"predecessor-version":[{"id":1531,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1500\/revisions\/1531"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1504"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}