[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.abakowiki.cz\/doplnkove-penzijni-sporeni\/#Article","mainEntityOfPage":"https:\/\/www.abakowiki.cz\/doplnkove-penzijni-sporeni\/","headline":"Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed","name":"Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed","description":"Kdysi bylo ozna\u010deno jako T\u0159et\u00ed pil\u00ed\u0159, kter\u00fd by n\u00e1m m\u011bl p\u0159in\u00e9st vy\u0161\u0161\u00ed standart v d\u016fchodov\u00e9m v\u011bku. V\u00edte ale, jak jej vyu\u017e\u00edt naplno? Mnoz\u00ed si „penzijko“ sice uzav\u0159eli, ale m\u00e1lo kdo vyu\u017e\u00edv\u00e1 pln\u00e9 v\u00fdhody, kter\u00e9 tento produkt poskytuje. Tak p\u0159edn\u011b – nebojte se ho. \u017d\u00e1dn\u00fd finan\u010dn\u00ed produkt, poskytovan\u00fd v t\u00e9to zemi soukrom\u00fdmi subjekty,","datePublished":"2019-11-22","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.abakowiki.cz\/author\/#Person","name":"","url":"https:\/\/www.abakowiki.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8eaf08ef5a7e54fc91db02b2058b03bc913caaaa39c046819bbf43d06bd23c2b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"abakowiki.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.abakowiki.cz\/wp-content\/uploads\/img_a360979_w3867_t1574517590.jpg","url":"https:\/\/www.abakowiki.cz\/wp-content\/uploads\/img_a360979_w3867_t1574517590.jpg","height":0,"width":0},"url":"https:\/\/www.abakowiki.cz\/doplnkove-penzijni-sporeni\/","about":["Finance"],"wordCount":762,"articleBody":"Kdysi bylo ozna\u010deno jako T\u0159et\u00ed pil\u00ed\u0159, kter\u00fd by n\u00e1m m\u011bl p\u0159in\u00e9st vy\u0161\u0161\u00ed standart v d\u016fchodov\u00e9m v\u011bku. V\u00edte ale, jak jej vyu\u017e\u00edt naplno? Mnoz\u00ed si „penzijko“ sice uzav\u0159eli, ale m\u00e1lo kdo vyu\u017e\u00edv\u00e1 pln\u00e9 v\u00fdhody, kter\u00e9 tento produkt poskytuje. Tak p\u0159edn\u011b – nebojte se ho. \u017d\u00e1dn\u00fd finan\u010dn\u00ed produkt, poskytovan\u00fd v t\u00e9to zemi soukrom\u00fdmi subjekty, v tomto p\u0159\u00edpad\u011b penzijn\u00edmi spole\u010dnosti, je tak ne\u00fanavn\u011b pod drobnohledem a kontrolou \u010cesk\u00e9 n\u00e1rodn\u00ed banky, jako pr\u00e1v\u011b Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed. A co v\u00e1m vlastn\u011b st\u00e1t nab\u00edz\u00ed? Tak prvn\u011b mus\u00edte splnit z\u00e1konem dan\u00e9 podm\u00ednky. A to ty, \u017ee smlouvu uzav\u0159ete minim\u00e1ln\u011b do sv\u00fdch 60- ti let a minim\u00e1ln\u011b na 5 let. Pokud tak u\u010din\u00edte, na m\u011bs\u00ed\u010dn\u00ed \u00falo\u017eku od 300 K\u010d do 1000 K\u010d dostanete st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek v rozmez\u00ed 90 K\u010d – 230 K\u010d. N\u00e1sledn\u011b m\u016f\u017eete vyu\u017e\u00edt i mo\u017enost sn\u00ed\u017een\u00ed da\u0148ov\u00e9ho z\u00e1kladu. V\u0161e, co si po\u0161lete do tohoto spo\u0159en\u00ed a d\u011bl\u00e1 to v\u00edce ne\u017e 1000 K\u010d a\u017e max do 3000 K\u010d za m\u011bs\u00edc, si m\u016f\u017eete ode\u010d\u00edst od z\u00e1kladu dan\u011b. Tj. a\u017e 24.000 K\u010d\/rok. Pokud budeme po\u010d\u00edtat se zdan\u011bn\u00edm 15 %, je to pro v\u00e1s dal\u0161\u00ed p\u0159\u00ednos 3600 K\u010d za rok.  Dohromady v\u00e1m takto pln\u00e9 vyu\u017eit\u00ed st\u00e1tn\u00ed pob\u00eddky ro\u010dn\u011b p\u0159inese a\u017e 6.360 K\u010d.\t\tInvesti\u010dn\u00ed (kapit\u00e1lov\u00e9) \u017eivotn\u00ed poji\u0161t\u011bn\u00ed\tTento finan\u010dn\u00ed produkt, milovan\u00fd i zatracovan\u00fd, je tak\u00e9 jeden z t\u011bch, d\u00edky kter\u00e9mu si m\u016f\u017eete sn\u00ed\u017eit da\u0148ov\u00fd z\u00e1klad. Tak nejprve jak\u00e9 podm\u00ednky mus\u00edte splnit. I zde plat\u00ed pravidlo 60  – 60. Tj. smlouva minim\u00e1ln\u011b na 5 let (60 m\u011bs\u00edc\u016f) a minim\u00e1ln\u011b do 60-ti let.  D\u00e1le smlouva nesm\u00ed umo\u017e\u0148ovat mimo\u0159\u00e1dn\u00e9 v\u00fdb\u011bry, pojistn\u00edk mus\u00ed b\u00fdt z\u00e1rove\u0148 prvn\u00edm poji\u0161t\u011bn\u00fdm a minim\u00e1ln\u00ed \u010d\u00e1stka pro p\u0159\u00edpad \u00famrt\u00ed je stanovena na 10.000 K\u010d. Pokud toto v\u0161echno spln\u00edte, m\u00e1te mo\u017enost si i zde ode\u010d\u00edst 24.000 K\u010d, kter\u00e9 si po\u0161lete do investice, od z\u00e1kladu dan\u011b. Tak\u017ee i zde v\u00e1s \u010dek\u00e1 3600 K\u010d nav\u00edc.\t \tOba produkty, jak Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, tak i Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed z\u00e1rove\u0148 umo\u017e\u0148uj\u00ed a jsou da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00e9 pro p\u0159\u00edsp\u011bvky va\u0161ich zam\u011bstnavatel\u016f. Ti v\u00e1m zde ro\u010dn\u011b m\u016f\u017eou poslat a\u017e 50.000 K\u010d, ze kter\u00fdch neplat\u00ed dan\u011b ani soci\u00e1ln\u00ed \u010di zdravotn\u00ed poji\u0161t\u011bn\u00ed. Tak nev\u00e1hejte a zkuste si o takov\u00fd benefit u sv\u00e9ho zam\u011bstnavatele \u0159\u00edct.\t \t \tStavebn\u00ed spo\u0159en\u00ed\tTak to snad zn\u00e1me v\u0161ichni. Ale jen pro p\u0159ipomenut\u00ed. Smlouva minim\u00e1ln\u011b na 6 let. Ide\u00e1ln\u00ed platba 20.000 K\u010d\/rok a v tu chv\u00edli dostanete maxim\u00e1ln\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek 2.000 K\u010d. Samoz\u0159ejm\u011b, pokud po\u0161lete m\u00e9n\u011b, dostanete p\u0159\u00edsp\u011bvek ni\u017e\u0161\u00ed. Z\u00e1konem je d\u00e1no, \u017ee dostanete 10 % z toho, co si na „stavebko“ po\u0161lete sami, a\u017e do v\u00fd\u0161e pr\u00e1v\u011b ji\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00fdch 2.000 K\u010d.\t \t \tHypot\u00e9ka\tMo\u017en\u00e1 byste tomu nev\u011b\u0159ili, ale i hypot\u00e9ka, kterou si vezmete na koupi, rekonstrukci nebo v\u00fdstavbu sv\u00e9ho bydlen\u00ed, v\u00e1m nemus\u00ed p\u0159in\u00e9st jen vr\u00e1sky, ale tak\u00e9 n\u011bjak\u00e9, leckdy nemal\u00e9, \u00faspory. Na to, co zaplat\u00edte na \u00faroc\u00edch, dostanete od sv\u00e9 banky potvrzen\u00ed, to p\u0159ed\u00e1te mzdov\u00e9 \u00fa\u010detn\u00ed a op\u011bt si o tuto \u010d\u00e1stku sn\u00ed\u017e\u00edte da\u0148ov\u00fd z\u00e1klad. A m\u016f\u017eu v\u00e1m garantovat, \u017ee to nebudou mal\u00e9 \u010d\u00e1stky.\t \tM\u016f\u017ee se zd\u00e1t, \u017ee sni\u017eov\u00e1n\u00ed da\u0148ov\u00e9ho z\u00e1kladu nem\u00e1 pro zam\u011bstnance smysl a vyu\u017eij\u00ed ho sp\u00ed\u0161e \u017eivnostn\u00edci a drobn\u00ed podnikatel\u00e9. Zd\u00e1n\u00ed ale klame. Pokud vyu\u017eijete v\u0161echny v\u00fd\u0161e uveden\u00e9 pob\u00eddky, m\u016f\u017eete se t\u011b\u0161it na p\u0159\u00edjemn\u00e9 jaro. \u010c\u00e1st u\u017e zaplacen\u00fdch dan\u00ed za uplynul\u00fd rok se v\u00e1m vr\u00e1t\u00ed. A co s t\u011bmi pen\u011bzi, se kter\u00fdmi jste u\u017e ani nepo\u010d\u00edtali, ud\u011blat? Jak \u0159\u00edk\u00e1 star\u00e9 dobr\u00e9 pravidlo deseti: Deset procent ze v\u0161ech p\u0159\u00edjm\u016f uspo\u0159, deset utra\u0165, deset v\u011bnuj no a ten zbytek je u\u017e jen na v\u00e1s.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed","item":"https:\/\/www.abakowiki.cz\/doplnkove-penzijni-sporeni\/#breadcrumbitem"}]}]