{"id":1520,"date":"2024-02-15T15:40:34","date_gmt":"2024-02-15T14:40:34","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?p=1520"},"modified":"2024-02-13T13:08:53","modified_gmt":"2024-02-13T12:08:53","slug":"vyber-z-penzijnich-produktu-jak-si-vybrat-a-neztratit-penize","status":"publish","type":"post","link":"https:\/\/www.jiri-kovar.cz\/index.php\/2024\/02\/15\/vyber-z-penzijnich-produktu-jak-si-vybrat-a-neztratit-penize\/","title":{"rendered":"V\u00fdb\u011br z penzijn\u00edch produkt\u016f: Jak si vybrat a neztratit pen\u00edze?"},"content":{"rendered":"

V\u00fdb\u011br z penzijn\u00edch produkt\u016f: Jak si vybrat a neztratit pen\u00edze?<\/strong><\/h2>\n

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Penzijn\u00ed produkty<\/strong> p\u0159edstavuj\u00ed d\u016fle\u017eit\u00fd n\u00e1stroj pro zaji\u0161t\u011bn\u00ed finan\u010dn\u00ed stability v d\u016fchodov\u00e9m v\u011bku. Existuje mnoho typ\u016f produkt\u016f a ka\u017ed\u00fd z nich m\u00e1 sv\u00e9 specifick\u00e9 vlastnosti a podm\u00ednky. Tento \u010dl\u00e1nek v\u00e1m pom\u016f\u017ee zorientovat se v mo\u017enostech v\u00fdb\u011bru a vybrat si produkt, kter\u00fd nejl\u00e9pe odpov\u00edd\u00e1 va\u0161im pot\u0159eb\u00e1m.<\/strong><\/p>\n

V tomto \u010dl\u00e1nku se dozv\u00edte:<\/strong><\/p>\n

Jak\u00e9 m\u00e1te mo\u017enosti v\u00fdb\u011bru z penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed, dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed, investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a dlouhodob\u00e9ho investi\u010dn\u00edho produktu (DIP). Jak\u00e9 jsou podm\u00ednky pro v\u00fdb\u011br a jak\u00e1 je v\u00fd\u0161e dan\u011b v z\u00e1vislosti na typu produktu a dob\u011b trv\u00e1n\u00ed smlouvy.<\/p>\n

Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed (transformovan\u00e9 fondy)<\/strong><\/h3>\n

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Mo\u017enosti v\u00fdb\u011bru:<\/strong><\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br:<\/strong> Odbytn\u00e9 (vrac\u00ed se st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky, dan\u00ed se v\u00fdnosy a p\u0159\u00edsp\u011bvky zam\u011bstnavatele).<\/p>\n

Po spln\u011bn\u00ed podm\u00ednek:<\/strong> Jednor\u00e1zov\u011b (da\u0148 z v\u00fdnos\u016f a p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele), postupn\u011b (del\u0161\u00ed ne\u017e 10 let – bez dan\u011b, krat\u0161\u00ed ne\u017e 10 let – da\u0148 z v\u00fdnos\u016f).<\/p>\n

Speci\u00e1ln\u00ed mo\u017enosti:<\/strong><\/p>\n

V\u00fdsluhov\u00e1 penze:<\/strong> Po 15 letech trv\u00e1n\u00ed smlouvy a 180 platb\u00e1ch, mo\u017enost jednor\u00e1zov\u00e9ho v\u00fdb\u011bru poloviny naspo\u0159en\u00fdch prost\u0159edk\u016f (da\u0148 z v\u00fdnos\u016f) nebo pravideln\u00e9 v\u00fdsluhov\u00e9 penze (bez dan\u011b).<\/p>\n

Invalidn\u00ed penze:<\/strong> Po p\u0159izn\u00e1n\u00ed 3. stupn\u011b invalidity, mo\u017enost jednor\u00e1zov\u00e9ho v\u00fdb\u011bru nebo pravideln\u00e9 renty (bez dan\u011b).<\/p>\n

D\u016fle\u017eit\u00e9:<\/strong><\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br se trest\u00e1 zdan\u011bn\u00edm a vr\u00e1cen\u00edm st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f.<\/p>\n

Po spln\u011bn\u00ed podm\u00ednek je nejv\u00fdhodn\u011bj\u0161\u00ed volbou pravideln\u00e1 v\u00fdplata del\u0161\u00ed ne\u017e 10 let.<\/p>\n

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

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Mo\u017enosti v\u00fdb\u011bru:<\/strong><\/p>\n

V 18 letech:<\/strong> Jednor\u00e1zov\u00fd v\u00fdb\u011br t\u0159etiny naspo\u0159en\u00fdch prost\u0159edk\u016f (bez dan\u011b, sr\u00e1\u017eka st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f).<\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br:<\/strong> Odbytn\u00e9 (vrac\u00ed se st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky, dan\u00ed se v\u00fdnosy a p\u0159\u00edsp\u011bvky zam\u011bstnavatele).<\/p>\n

Po spln\u011bn\u00ed podm\u00ednek:<\/strong> Jednor\u00e1zov\u011b (da\u0148 z v\u00fdnos\u016f a p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele), postupn\u011b (del\u0161\u00ed ne\u017e 10 let – bez dan\u011b, krat\u0161\u00ed ne\u017e 10 let – da\u0148 z v\u00fdnos\u016f).<\/p>\n

Speci\u00e1ln\u00ed mo\u017enosti:<\/strong><\/p>\n

Invalidn\u00ed penze:<\/strong> Po 3 letech trv\u00e1n\u00ed smlouvy a 36 platb\u00e1ch, mo\u017enost pravideln\u00e9 renty (bez dan\u011b).<\/p>\n

P\u0159edd\u016fchod:<\/strong> Mo\u017enost sjednat 2-5 let p\u0159ed dosa\u017een\u00edm d\u016fchodov\u00e9ho v\u011bku, v\u00fdplata 30 % pr\u016fm\u011brn\u00e9 mzdy (da\u0148 z v\u00fdnos\u016f, osvobozen\u00ed od soc. poji\u0161t\u011bn\u00ed).<\/p>\n

D\u016fle\u017eit\u00e9:<\/strong><\/p>\n

U DPS je d\u016fle\u017eit\u00e9 dodr\u017eet 5let\u00e9 trv\u00e1n\u00ed smlouvy pro n\u00e1rok na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky.<\/p>\n

P\u0159edd\u016fchod je atraktivn\u00ed volbou pro ty, kte\u0159\u00ed cht\u011bj\u00ed d\u0159\u00edve do d\u016fchodu.<\/p>\n

Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed (I\u017dP)<\/strong><\/h3>\n

Mo\u017enosti v\u00fdb\u011bru:<\/strong><\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br:<\/strong> Odbytn\u00e9 (\u010d\u00e1st kapit\u00e1lov\u00e9 hodnoty), dodan\u011bn\u00ed da\u0148ov\u00fdch v\u00fdhod,da\u0148 z p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele.<\/p>\n

Po spln\u011bn\u00ed podm\u00ednek:<\/strong> Jednor\u00e1zov\u00e9 vyrovn\u00e1n\u00ed (da\u0148 z v\u00fdnos\u016f) nebo starobn\u00ed d\u016fchod.<\/p>\n

Speci\u00e1ln\u00ed mo\u017enosti:<\/strong><\/p>\n

Invalidn\u00ed d\u016fchod:<\/strong> V\u00fdplata invalidn\u00ed penze bez dan\u011b (bez \u010dasov\u00e9 podm\u00ednky).<\/p>\n

D\u016fle\u017eit\u00e9:<\/strong><\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br se trest\u00e1 zdan\u011bn\u00edm a vr\u00e1cen\u00edm da\u0148ov\u00fdch v\u00fdhod.<\/p>\n

I\u017dP je investi\u010dn\u00ed produkt s rizikem kol\u00eds\u00e1n\u00ed hodnoty investice.<\/p>\n

Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP)<\/strong><\/h3>\n

Mo\u017enosti v\u00fdb\u011bru:<\/strong><\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br:<\/strong> Da\u0148 z v\u00fdnos\u016f (15 % u m\u00e9n\u011b ne\u017e 3 let), dodan\u011bn\u00ed da\u0148ov\u00fdch odpo\u010dt\u016f, da\u0148 z p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele, poplatky za spr\u00e1vu.<\/p>\n

Po spln\u011bn\u00ed podm\u00ednek:<\/strong> Jednor\u00e1zov\u00fd v\u00fdb\u011br (bez dan\u011b) nebo pravideln\u00e1 v\u00fdplata (bez dan\u011b).<\/p>\n

D\u016fle\u017eit\u00e9:<\/strong><\/p>\n

P\u0159ed\u010dasn\u00fd v\u00fdb\u011br je sankcionov\u00e1n dan\u011bmi, poplatky a vr\u00e1cen\u00edm da\u0148ov\u00fdch zv\u00fdhodn\u011bn\u00ed.<\/p>\n

Po spln\u011bn\u00ed podm\u00ednek je v\u00fdb\u011br bez dan\u00ed a poplatk\u016f.<\/p>\n

Dal\u0161\u00ed rady:<\/strong><\/p>\n

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  • Pe\u010dliv\u011b si prostudujte podm\u00ednky produktu p\u0159ed jeho sjedn\u00e1n\u00edm.<\/li>\n
  • Porovnejte nab\u00eddky r\u016fzn\u00fdch poskytovatel\u016f.<\/li>\n
  • Zva\u017ete sv\u00e9 individu\u00e1ln\u00ed pot\u0159eby a c\u00edle.<\/li>\n
  • V p\u0159\u00edpad\u011b nejasnost\u00ed se obra\u0165te na finan\u010dn\u00edho poradce.<\/li>\n<\/ul>\n

    Zdroje informac\u00ed:<\/strong><\/p>\n

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    • Z\u00e1kon o dopl\u0148kov\u00e9m penzijn\u00edm spo\u0159en\u00ed<\/li>\n
    • Z\u00e1kon o penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed se st\u00e1tn\u00edm p\u0159\u00edsp\u011bvkem<\/li>\n
    • Z\u00e1kon o dan\u00edch z p\u0159\u00edjm\u016f<\/li>\n
    • Webov\u00e9 str\u00e1nky penzijn\u00edch spole\u010dnost\u00ed, poji\u0161\u0165oven a poskytovatel\u016f DIPu<\/li>\n<\/ul>\n

      P\u0159\u00edklady:<\/strong><\/p>\n

      P\u0159\u00edklad 1:<\/strong> Pan\u00ed Nov\u00e1kov\u00e1 si v 50 letech sjednala DPS. Po 10 letech trv\u00e1n\u00ed smlouvy a dosa\u017een\u00ed 60 let v\u011bku se m\u016f\u017ee rozhodnout pro jednor\u00e1zov\u00fd v\u00fdb\u011br naspo\u0159en\u00fdch prost\u0159edk\u016f, za kter\u00fd bude platit da\u0148 z v\u00fdnos\u016f. M\u016f\u017ee si tak\u00e9 zvolit pravidelnou v\u00fdplatu del\u0161\u00ed ne\u017e 10 let, kter\u00e1 bude osvobozena od dan\u011b.<\/p>\n

      P\u0159\u00edklad 2:<\/strong> Pan Nov\u00e1k si v 30 letech sjednal I\u017dP. Po 20 letech trv\u00e1n\u00ed smlouvy a dosa\u017een\u00ed 60 let v\u011bku se m\u016f\u017ee rozhodnout pro jednor\u00e1zov\u00e9 vyrovn\u00e1n\u00ed, za kter\u00e9 bude platit da\u0148 z v\u00fdnos\u016f. M\u016f\u017ee si tak\u00e9 zvolit starobn\u00ed d\u016fchod, kter\u00fd bude vypl\u00e1cen bez dan\u011b.<\/p>\n

      Douf\u00e1m, \u017ee v\u00e1m tento \u010dl\u00e1nek pomohl l\u00e9pe se zorientovat v mo\u017enostech v\u00fdb\u011bru z penzijn\u00edch produkt\u016f a investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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":"

      V\u00fdb\u011br z penzijn\u00edch produkt\u016f: Jak si vybrat a neztratit pen\u00edze?   Penzijn\u00ed produkty p\u0159edstavuj\u00ed d\u016fle\u017eit\u00fd n\u00e1stroj pro zaji\u0161t\u011bn\u00ed finan\u010dn\u00ed stability v d\u016fchodov\u00e9m v\u011bku. Existuje mnoho typ\u016f produkt\u016f a ka\u017ed\u00fd z…<\/p>\n","protected":false},"author":2,"featured_media":1513,"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":[14,11,1],"tags":[10],"class_list":{"0":"post-1520","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-duchody","8":"category-investice","9":"category-nezarazene","10":"tag-hypotecni-uver"},"_links":{"self":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1520"}],"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=1520"}],"version-history":[{"count":10,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1520\/revisions"}],"predecessor-version":[{"id":1533,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/posts\/1520\/revisions\/1533"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media\/1513"}],"wp:attachment":[{"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/media?parent=1520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/categories?post=1520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jiri-kovar.cz\/index.php\/wp-json\/wp\/v2\/tags?post=1520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}