[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pcsa.cz\/kdy-je-cas-myslet-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.pcsa.cz\/kdy-je-cas-myslet-na-duchod\/","headline":"Kdy je \u010das myslet na d\u016fchod","name":"Kdy je \u010das myslet na d\u016fchod","description":"\u00a0D\u016fchodov\u00e1 reforma je t\u00e9ma ka\u017ed\u00e9 vl\u00e1dy. Doufejme, \u017ee se kone\u010dn\u011b po dlouh\u00fdch letech na\u0161\u00ed vl\u00e1d\u011b poda\u0159\u00ed p\u0159ipravit a zav\u00e9st d\u016fchodovou … ","datePublished":"2025-02-25","dateModified":"2025-02-25","author":{"@type":"Person","@id":"https:\/\/www.pcsa.cz\/author\/#Person","name":"","url":"https:\/\/www.pcsa.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":"pcsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/img_a305507_w2064_t1516982125.jpg","url":"https:\/\/www.pcsa.cz\/wp-content\/uploads\/img_a305507_w2064_t1516982125.jpg","height":0,"width":0},"url":"https:\/\/www.pcsa.cz\/kdy-je-cas-myslet-na-duchod\/","wordCount":497,"articleBody":"\u00a0D\u016fchodov\u00e1 reforma je t\u00e9ma ka\u017ed\u00e9 vl\u00e1dy. Doufejme, \u017ee se kone\u010dn\u011b po dlouh\u00fdch letech na\u0161\u00ed vl\u00e1d\u011b poda\u0159\u00ed p\u0159ipravit a zav\u00e9st d\u016fchodovou reformu takovou, kter\u00e1 bude stabiln\u00ed. A pro n\u00e1s v\u0161echny to bude ur\u010dit\u00e1 jistota na st\u00e1\u0159\u00ed.\tKdy\u017e se zamysl\u00edte nad sv\u00fdm p\u0159\u00edjmem a mo\u017enostmi, kolik byste si mohli odkl\u00e1dat na sv\u016fj d\u016fchod, nez\u00e1le\u017e\u00ed na tom, kolik v\u00e1m je let. D\u016fle\u017eit\u00e9 bude, aby \u010d\u00e1stka, kterou budete spo\u0159it, v\u00e1m nezat\u011b\u017eovala v\u00e1\u0161 rozpo\u010det i v\u00a0p\u0159\u00edpad\u011b, \u017ee p\u0159ijdete o zam\u011bstn\u00e1n\u00ed nebo budete dlouhodob\u011b nemocn\u00ed.\tKdy budete p\u0159em\u00fd\u0161let o sv\u00e9m st\u00e1\u0159\u00ed, to je pro ka\u017ed\u00e9ho jedince individu\u00e1ln\u00ed. Ten, kdo m\u00e1 dlouhodob\u00fd vysok\u00fd p\u0159\u00edjem a tak \u0159\u00edkaj\u00edc \u201ejist\u00fd\u201c, ten se asi t\u00edm moc nezab\u00fdv\u00e1, proto\u017ee v\u00ed, \u017ee bude m\u00edt d\u016fchod nadstandardn\u00ed, i kdy\u017e jeho d\u016fchodov\u00fd p\u0159\u00edjem klesne dost hluboko.\t\tHor\u0161\u00ed na tom jsou lid\u00e9 s\u00a0trval\u00fdmi n\u00edzk\u00fdmi p\u0159\u00edjmy. Ti by se m\u011bli sna\u017eit i z\u00a0toho m\u00e1la odkl\u00e1dat m\u011bs\u00ed\u010dn\u011b i 300 K\u010d na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed se st\u00e1tn\u00ed podporou.Co by n\u00e1s v\u0161echny m\u011blo zaj\u00edmat, tak to je doba poji\u0161t\u011bn\u00ed, ze kter\u00e9 se vypo\u010d\u00edt\u00e1v\u00e1 d\u016fchod. D\u0159\u00edve narozen\u00fdm sta\u010dilo 25 let poji\u0161t\u011bn\u00ed v\u010detn\u011b n\u00e1hradn\u00ed doby.Letos, v\u00a0roce 2018 mus\u00edte m\u00edt dobu poji\u0161t\u011bn\u00ed minim\u00e1ln\u011b 34 let, do kter\u00fdch se po\u010d\u00edtaj\u00ed doby n\u00e1hradn\u00edho poji\u0161t\u011bn\u00ed, to se m\u011bn\u00ed sm\u011brem nahoru ka\u017ed\u00fdm n\u00e1sleduj\u00edc\u00edm rokem.Co m\u016f\u017eeme poradit:\u00fc\u00a0 V\u010das si zjist\u011bte sv\u016fj v\u011bk na odchod do d\u016fchodu. Informace z\u00edsk\u00e1te telefonicky nebo nawebov\u00e9 str\u00e1nce \u010cSCZ (\u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed).\u00a0\u00fc\u00a0 Spo\u0159it do dopl\u0148kov\u00e9ho penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed,kter\u00e9 spad\u00e1 do III, d\u016fchodov\u00e9ho pil\u00ed\u0159e.Toto spo\u0159en\u00ed je podporovan\u00e9 st\u00e1tem a p\u0159i spln\u011bn\u00ed z\u00e1konem dan\u00fdch podm\u00ednek m\u016f\u017ee na n\u011bj dos\u00e1hnout ka\u017ed\u00fd ob\u010dan v\u00a0\u010cesk\u00e9 republice od v\u011bku 18 let. \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Maxim\u00e1ln\u00ed v\u00fd\u0161e st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku je 230,- K\u010d \u2013 p\u0159i spo\u0159en\u00ed 1000 a\u017e 1500 K\u010d m\u011bs\u00ed\u010dn\u011b. Ro\u010dn\u011b od st\u00e1tu z\u00edsk\u00e1te p\u0159\u00edsp\u011bvek ve v\u00fd\u0161i 2760,- K\u010d. Tento vklad je hodnocen 23%. \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pokud si budetespo\u0159it minim\u00e1ln\u011b 300,- K\u010d, z\u00edsk\u00e1te st\u00e1tn\u00ed podporu 90,- K\u010d \u2013 zhodnocen\u00ed vkladu je 30%. \u00a0\u00fc\u00a0 P\u0159\u00edsp\u011bvek na toto dopl\u0148kov\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed m\u016f\u017eete z\u00edskat i od va\u0161eho zam\u011bstnavatele.Nesni\u017eujte si svoji \u017eivotn\u00ed \u00farove\u0148 t\u00edm, \u017ee spo\u0159en\u00ed na sv\u016fj d\u016fchod budete st\u00e1le odkl\u00e1dat. Za\u010dn\u011bte u\u017e te\u010f.                                                                                                                                                                                                                                                                                                                                                                                                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