[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tesuz.cz\/sporite-si-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.tesuz.cz\/sporite-si-na-duchod\/","headline":"Spo\u0159\u00edte si na d\u016fchod?","name":"Spo\u0159\u00edte si na d\u016fchod?","description":"V\u0161ichni jsou nab\u00e1d\u00e1ni, aby si spo\u0159ili na d\u016fchod. Jen\u017ee ot\u00e1zka je z \u010deho? Politik\u016fm se to mluv\u00ed, kdy\u017e maj\u00ed stovky tis\u00edc korun m\u011bs\u00ed\u010dn\u011b. Bohu\u017eel v\u011bt\u0161ina lid\u00ed nevyd\u011bl\u00e1v\u00e1 ani sou\u010dasnou pr\u016fm\u011brnou mzdu, ze kter\u00e9 si mus\u00ed zaplatit hypot\u00e9ku \u010di n\u00e1jem, inkaso,<div class=\"entry-read-more\"><a class=\"read-more-link\" href=\"https:\/\/www.tesuz.cz\/sporite-si-na-duchod\/\">Read More<span class=\"screen-reader-text\">  Spo\u0159\u00edte si na d\u016fchod?<\/span><\/a><\/div>","datePublished":"2024-12-24","dateModified":"2024-12-24","author":{"@type":"Person","@id":"https:\/\/www.tesuz.cz\/author\/#Person","name":"","url":"https:\/\/www.tesuz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/70b0b0c6ef7dca5d65c935edece415df3e99a7281ef835a281ae62fb4236351b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/70b0b0c6ef7dca5d65c935edece415df3e99a7281ef835a281ae62fb4236351b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tesuz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tesuz.cz\/wp-content\/uploads\/money-8033100_640_10_9.jpg","url":"https:\/\/www.tesuz.cz\/wp-content\/uploads\/money-8033100_640_10_9.jpg","height":0,"width":0},"url":"https:\/\/www.tesuz.cz\/sporite-si-na-duchod\/","about":["Pen\u00edze"],"wordCount":436,"articleBody":"   V\u0161ichni jsou nab\u00e1d\u00e1ni, aby si spo\u0159ili na d\u016fchod. Jen\u017ee ot\u00e1zka je z \u010deho? Politik\u016fm se to mluv\u00ed, kdy\u017e maj\u00ed stovky tis\u00edc korun m\u011bs\u00ed\u010dn\u011b. Bohu\u017eel v\u011bt\u0161ina lid\u00ed nevyd\u011bl\u00e1v\u00e1 ani sou\u010dasnou pr\u016fm\u011brnou mzdu, ze kter\u00e9 si mus\u00ed zaplatit hypot\u00e9ku \u010di n\u00e1jem, inkaso, l\u00e9ky, potraviny, auto a spoustu dal\u0161\u00edch v\u00fddaj\u016f. I kv\u016fli tomu, jak u n\u00e1s v\u0161echno neust\u00e1le zdra\u017euje, zat\u00edmco mzdy stagnuj\u00ed, kles\u00e1 porodnost. Je to z dlouhodob\u00e9ho hlediska obrovsk\u00fd probl\u00e9m. Jen\u017ee z ani ne pr\u016fm\u011brn\u00e9 mzdy m\u00e1 \u010dlov\u011bk u\u017eivit sebe, rodinu, a je\u0161t\u011b spo\u0159it sob\u011b na d\u016fchod a d\u011btem do za\u010d\u00e1tku. A to je s takov\u00fdmi p\u0159\u00edjmy zkr\u00e1tka nemo\u017en\u00e9. V \u010cesk\u00e9 republice funguje pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m, kter\u00fd je zalo\u017een\u00fd na tom, \u017ee v\u0161ichni zam\u011bstnanci odv\u00e1d\u00ed soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, ze kter\u00e9ho se hrad\u00ed v\u0161echny soci\u00e1ln\u00ed v\u00fddaje. A d\u016fchody tvo\u0159\u00ed v\u011bt\u0161inu z nich, proto\u017ee d\u016fchodc\u016f p\u0159ib\u00fdv\u00e1 a poplatn\u00edk\u016f soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed ub\u00fdv\u00e1. \u017divot v \u010cesku zdra\u017euje, a pr\u00e1v\u011b proto jsou t\u0159ic\u00e1tn\u00edci nuceni spo\u0159it si na d\u016fchod, proto\u017ee sice budou st\u00e1le platit soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, ale neuvid\u00ed z n\u011bj ani korunu. Vlastn\u011b to m\u00e1 logiku, proto\u017ee lid\u00ed pob\u00edraj\u00edc\u00edch starobn\u00ed d\u016fchod p\u0159ib\u00fdv\u00e1, a tak je nebude z \u010deho vypl\u00e1cet. Ot\u00e1zka je, zda se vyplat\u00ed si na d\u016fchod spo\u0159it alespo\u0148 n\u011bco. Ka\u017ed\u00e9 spo\u0159en\u00ed toti\u017e znehodnocuje inflace, kter\u00e1 je\u0161t\u011b poroste. Te\u010f si odlo\u017e\u00edte tis\u00edc korun m\u011bs\u00ed\u010dn\u011b, ale za 50 let a\u017e p\u016fjdete do d\u016fchodu, bude m\u00edt tato tis\u00edcovka mnohem ni\u017e\u0161\u00ed hodnotu. Mnoh\u00e9 poji\u0161\u0165ovny nab\u00edz\u00ed r\u016fzn\u00e1 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, ov\u0161em m\u016f\u017ee se st\u00e1t, \u017ee fond n\u011bkdo vytuneluje a pen\u00edze u\u017e nikdy nikdo neuvid\u00ed. Je naprosto \u0161\u00edlen\u00e9 \u017ee by n\u011bkdo m\u011bl platit po cel\u00fd produktivn\u00ed v\u011bk miliony korun na poji\u0161t\u011bn\u00ed, ze kter\u00e9ho by nem\u011bl n\u00e1rok \u010derpat. Nam\u00edsto aby politici stra\u0161ili t\u00edm, \u017ee nebudou d\u016fchody, m\u011bli by si neust\u00e1le p\u0159estat p\u0159id\u00e1vat ze st\u00e1tn\u00edho rozpo\u010dtu a m\u011bli by se zam\u011b\u0159it na tuto problematiku komplexn\u011b a ne jen z jednoho hlediska.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spo\u0159\u00edte si na d\u016fchod?","item":"https:\/\/www.tesuz.cz\/sporite-si-na-duchod\/#breadcrumbitem"}]}]