[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ivbp.cz\/nejlepsi-je-se-sporenim-na-penzi-zacit-co-nejdriv\/#Article","mainEntityOfPage":"https:\/\/www.ivbp.cz\/nejlepsi-je-se-sporenim-na-penzi-zacit-co-nejdriv\/","headline":"Nejlep\u0161\u00ed je se spo\u0159en\u00edm na penzi za\u010d\u00edt co nejd\u0159\u00edv","name":"Nejlep\u0161\u00ed je se spo\u0159en\u00edm na penzi za\u010d\u00edt co nejd\u0159\u00edv","description":"Zaj\u00edmat se pouze o svou p\u0159\u00edtomnost je zajist\u00e9 spr\u00e1vn\u00e9 v p\u0159\u00edpad\u011b osobn\u00edho \u017eivota a z\u00e1\u017eitk\u016f. Pokud ale mluv\u00edme o financ\u00edch ur\u010den\u00fdch do budoucnosti to rozhodn\u011b neplat\u00ed. Spoustu lid\u00ed \u0161et\u0159en\u00ed na d\u016fchod nezaj\u00edm\u00e1 nebo si mysl\u00ed, \u017ee je to jednodu\u0161e daleko a maj\u00ed je\u0161t\u011b spoustu \u010dasu. \u010ce\u0161i ne\u0161et\u0159\u00ed na penzi, i kdy\u017e by m\u011bli. Jak\u00e9 jsou … Continue reading Nejlep\u0161\u00ed je se spo\u0159en\u00edm na penzi za\u010d\u00edt co nejd\u0159\u00edv<\/span> →<\/span><\/a>","datePublished":"2025-03-01","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.ivbp.cz\/author\/#Person","name":"ivbp.cz\n","url":"https:\/\/www.ivbp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ivbp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/img_a320172_w1958_t1531397204.jpg","url":"https:\/\/www.ivbp.cz\/wp-content\/uploads\/img_a320172_w1958_t1531397204.jpg","height":0,"width":0},"url":"https:\/\/www.ivbp.cz\/nejlepsi-je-se-sporenim-na-penzi-zacit-co-nejdriv\/","about":["Finance"],"wordCount":499,"articleBody":"Zaj\u00edmat se pouze o svou p\u0159\u00edtomnost je zajist\u00e9 spr\u00e1vn\u00e9 v p\u0159\u00edpad\u011b osobn\u00edho \u017eivota a z\u00e1\u017eitk\u016f. Pokud ale mluv\u00edme o financ\u00edch ur\u010den\u00fdch do budoucnosti to rozhodn\u011b neplat\u00ed. Spoustu lid\u00ed \u0161et\u0159en\u00ed na d\u016fchod nezaj\u00edm\u00e1 nebo si mysl\u00ed, \u017ee je to jednodu\u0161e daleko a maj\u00ed je\u0161t\u011b spoustu \u010dasu. \u010ce\u0161i ne\u0161et\u0159\u00ed na penzi, i kdy\u017e by m\u011bli. Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed d\u016fvody, pro\u010d si ned\u00e1vat pen\u00edze stranou?\u00a0\tT\u0159i nej\u010dast\u011bj\u0161\u00ed v\u00fdmluvy, pro\u010d \u010ce\u0161i ne\u0161et\u0159\u00ed na pozd\u011bjiD\u016fvod\u016f, nebo sp\u00ed\u0161 v\u00fdmluv je samoz\u0159ejm\u011b cel\u00e1 \u0159ada. Nyn\u00ed si uvedeme t\u0159i, kter\u00e9 si \u010ce\u0161i uv\u00e1d\u011bj\u00ed nejv\u00edce. A z\u00e1rove\u0148 s t\u00edm tak\u00e9 uvedeme, pro\u010d se jedn\u00e1 o v\u00fdmluvy a ne o p\u00e1dn\u00e9 d\u016fvody.\u00a01.\u00a0\u00a0\u00a0\u00a0\u00a0 Nem\u00e1m na to pen\u00edzeTohle je skute\u010dn\u011b nej\u010dast\u011bj\u0161\u00ed, co p\u0159i hovoru o penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed usly\u0161\u00edte. P\u0159itom je ide\u00e1ln\u00ed ukl\u00e1dat si jako \u00faspory asi desetinu m\u011bs\u00ed\u010dn\u00edho p\u0159ijmu. Pr\u00e1v\u011b to je ale velice t\u011b\u017ek\u00e9, kdy\u017e mysl\u00edte p\u0159edev\u0161\u00edm na p\u0159\u00edtomnost a tuto desetinu rad\u011bji utrat\u00edme za z\u00e1bavu a z\u00e1\u017eitky, ne\u017e abychom si ji ulo\u017eily na hor\u0161\u00ed \u010dasy.\u00a02.\u00a0\u00a0\u00a0\u00a0\u00a0 St\u00e1t se o m\u011b postar\u00e1Kdy\u017e pracujete cel\u00fd \u017eivot, tak je jasn\u00e9, \u017ee se ve st\u00e1\u0159\u00ed spol\u00e9h\u00e1te na st\u00e1t. D\u00edky dobr\u00e9 zdravotn\u00ed p\u00e9\u010di se ov\u0161em zvy\u0161uje v\u011bk obyvatelstva a t\u00edm tak\u00e9 mno\u017estv\u00ed jedinc\u016f, kte\u0159\u00ed si v klidu u\u017e\u00edvaj\u00ed d\u016fchodu. Z toho d\u016fvodu doch\u00e1z\u00ed ke sni\u017eov\u00e1n\u00ed penz\u00ed. Podle odborn\u00fdch odhad\u016f se d\u016fchod sni\u017euje asi na 30 % pr\u016fm\u011brn\u00e9ho platu. A to je skute\u010dn\u011b velk\u00fd pokles \u017eivotn\u00ed \u00farovn\u011b. Jedn\u00e1 se p\u0159ece jen o dv\u011b t\u0159etiny p\u0159\u00edjmu, na kter\u00fd jste byli cel\u00fd \u017eivot zvykl\u00ed. Spol\u00e9hat na st\u00e1t se tak skute\u010dn\u011b nevypl\u00e1c\u00ed.\u00a03.\u00a0\u00a0\u00a0\u00a0\u00a0 Nem\u00e1m \u0161anci se d\u016fchodu do\u017e\u00edtJak u\u017e bylo \u0159e\u010deno v\u00fd\u0161e, \u00farove\u0148 \u010desk\u00e9ho zdravotnictv\u00ed je vysok\u00e1 a d\u00edky tomu se zvy\u0161uje i v\u011bk, kter\u00e9ho se do\u017e\u00edv\u00e1me. Pr\u016fm\u011brn\u00fd v\u011bk, kter\u00fd dnes str\u00e1v\u00edme v d\u016fchodu, je 15 let. V budoucnosti to pravd\u011bpodobn\u011b bude je\u0161t\u011b d\u00e9le. B\u00e1t se nemus\u00edte, ani kdy\u017e se odpo\u010dinku skute\u010dn\u011b nedo\u017eijete. Naspo\u0159en\u00fdch pen\u011bz si toti\u017e u\u017eij\u00ed va\u0161i bl\u00edz\u00edc.\u00a0V p\u0159\u00edpad\u011b, \u017ee si je\u0161t\u011b ned\u00e1v\u00e1te desetinu p\u0159\u00edjmu na budouc\u00ed odpo\u010dinek, tak s t\u00edm co nejd\u0159\u00edv za\u010dn\u011bte. Zp\u016fsob\u016f, jak to d\u011blat je hodn\u011b a st\u00e1t p\u0159isp\u00edv\u00e1 a\u017e 230 korun za m\u011bs\u00edc, kdy\u017e si budete ukl\u00e1dat alespo\u0148 jeden tis\u00edc korun za m\u011bs\u00edc. 3.4\/5 - (9 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nejlep\u0161\u00ed je se spo\u0159en\u00edm na penzi za\u010d\u00edt co nejd\u0159\u00edv","item":"https:\/\/www.ivbp.cz\/nejlepsi-je-se-sporenim-na-penzi-zacit-co-nejdriv\/#breadcrumbitem"}]}]