[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.soremus.cz\/setrit-si-na-duchod-ale-z-ceho\/#Article","mainEntityOfPage":"https:\/\/www.soremus.cz\/setrit-si-na-duchod-ale-z-ceho\/","headline":"\u0160et\u0159it si na d\u016fchod, ale z \u010deho?","name":"\u0160et\u0159it si na d\u016fchod, ale z \u010deho?","description":"V\u011bt\u0161ina lid\u00ed plat\u00ed soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed. Plat\u00ed ho povinn\u011b ka\u017ed\u00fd, kdo je v zam\u011bstnaneck\u00e9m pom\u011bru. Pokud n\u011bkdo nepracuje, a nebo m\u00e1 jen velmi n\u00edzk\u00e9 p\u0159\u00edjmy, soci\u00e1ln\u00ed […]","datePublished":"2025-05-11","dateModified":"2025-05-11","author":{"@type":"Person","@id":"https:\/\/www.soremus.cz\/author\/#Person","name":"","url":"https:\/\/www.soremus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/edf965aa5e6319b22667bed24bb070a38fc0326fd1c728db50dc1d860a4a16ad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"soremus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.soremus.cz\/wp-content\/uploads\/man-5574872_640(2)_10_3.jpg","url":"https:\/\/www.soremus.cz\/wp-content\/uploads\/man-5574872_640(2)_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.soremus.cz\/setrit-si-na-duchod-ale-z-ceho\/","about":["Finance"],"wordCount":423,"articleBody":"      V\u011bt\u0161ina lid\u00ed plat\u00ed soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed. Plat\u00ed ho povinn\u011b ka\u017ed\u00fd, kdo je v zam\u011bstnaneck\u00e9m pom\u011bru. Pokud n\u011bkdo nepracuje, a nebo m\u00e1 jen velmi n\u00edzk\u00e9 p\u0159\u00edjmy, soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed platit nemus\u00ed. Cel\u00e9 generace plat\u00ed poji\u0161t\u011bn\u00ed, aby se z n\u011bj financovaly soci\u00e1ln\u00ed d\u00e1vky v\u010detn\u011b d\u016fchod\u016f. A te\u010f najednou poslouch\u00e1me, \u017ee jsou lid\u00e9 t\u00e9m\u011b\u0159 p\u0159ed d\u016fchodem povinni si na n\u011bj na\u0161et\u0159it sami, a nemohou se spol\u00e9hat na st\u00e1t. Je to v\u016fbec mo\u017en\u00e9? Mo\u017en\u00e1, \u017ee kdyby st\u00e1t tak lehkomysln\u011b nezach\u00e1zel s vybran\u00fdmi pen\u011bzi od sv\u00fdch ob\u010dan\u016f, na starobn\u00ed d\u016fchody by byl pen\u011bz dostatek.V\u0161em je neust\u00e1le vtlouk\u00e1no do hlavy, aby si odkl\u00e1dali pen\u00edze na d\u016fchod. Jen\u017ee drtiv\u00e1 v\u011bt\u0161ina lid\u00ed prost\u011b nem\u00e1 z \u010deho. Politici jsou evidentn\u011b na m\u00edle vzd\u00e1leni realit\u011b, proto\u017ee jinak by po lidech, kte\u0159\u00ed berou z velk\u00e9 \u010d\u00e1sti minim\u00e1ln\u00ed mzdu, nebo mzdu podobnou, nemohli nic podobn\u00e9ho cht\u00edt. Je toti\u017e jasn\u00e9, \u017ee z takto n\u00edzk\u00fdch p\u0159\u00edjm\u016f nen\u00ed mo\u017en\u00e9 platit bydlen\u00ed, potraviny, l\u00e9ky, v\u0161echny dal\u0161\u00ed \u017eivotn\u00ed n\u00e1klady, a k tomu \u0161et\u0159it d\u011btem do za\u010d\u00e1tku a je\u0161t\u011b si \u0161et\u0159it na d\u016fchod. Podle spousty politik\u016f by \u010dlov\u011bk na d\u016fstojn\u00fd d\u016fchod pot\u0159eboval alespo\u0148 7 milion\u016f korun. Zn\u00ed to jako v\u00fdsm\u011bch, \u017ee?Zachr\u00e1n\u00ed n\u00e1m fondy penzi https:\/\/nebankovnihypoteky.net\/zachrani-nam-fondy-penzi\/ ? Kdy\u017e u\u017e si nechcete \u0161et\u0159it tak, \u017ee si budete pen\u00edze nech\u00e1vat na \u00fa\u010dtu, kde nemaj\u00ed \u017e\u00e1dn\u00e9 zhodnocen\u00ed, m\u016f\u017eete vyu\u017e\u00edt penzijn\u00ed fondy. Jen\u017ee ani u nich nem\u00e1te jistotu, \u017ee ke zhodnocen\u00ed dojde. Podm\u00ednky pro vypl\u00e1cen\u00ed bonus\u016f se neust\u00e1le m\u011bn\u00ed, a tak se m\u016f\u017ee st\u00e1t, \u017ee naopak vyberete m\u00e9n\u011b pen\u011bz, ne\u017e jste do fond\u016f vlo\u017eili.V zahrani\u010d\u00ed u\u017e se p\u00e1rkr\u00e1t stalo, \u017ee do\u0161lo k vybr\u00e1n\u00ed vlo\u017een\u00fdch pen\u011bz bez n\u00e1hrady, a st\u00e1t je pou\u017eil pro vlastn\u00ed pot\u0159ebu. Je n\u011bco takov\u00e9ho mo\u017en\u00e9 i u n\u00e1s? Vylou\u010dit to stoprocentn\u011b nelze. Proto je pot\u0159eba p\u0159istupovat k podobn\u00fdm finan\u010dn\u00edm produkt\u016fm obez\u0159etn\u011b, a sna\u017eit se investovat rad\u011bji do zlata, kter\u00e9 v\u00e1m nikdo nevezme. Zlato je jistota v ka\u017ed\u00e9 dob\u011b.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0160et\u0159it si na d\u016fchod, ale z \u010deho?","item":"https:\/\/www.soremus.cz\/setrit-si-na-duchod-ale-z-ceho\/#breadcrumbitem"}]}]