[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.agia.cz\/vysmech-zodpovednym\/#Article","mainEntityOfPage":"https:\/\/www.agia.cz\/vysmech-zodpovednym\/","headline":"V\u00fdsm\u011bch zodpov\u011bdn\u00fdm","name":"V\u00fdsm\u011bch zodpov\u011bdn\u00fdm","description":"Kdo m\u00e1 v\u0161ech p\u011bt pohromad\u011b, ch\u00e1pe to. Vid\u00ed, jak na\u0161e spole\u010dnost st\u00e1rne, jak je na ulic\u00edch k\u00a0vid\u011bn\u00ed st\u00e1le v\u00edce senior\u016f a naopak se tam nejednou ani nezavad\u00ed o d\u00edt\u011b, z\u00a0\u010deho\u017e logicky vypl\u00fdv\u00e1, \u017ee mus\u00ed b\u00fdt st\u00e1le neudr\u017eiteln\u011bj\u0161\u00ed syst\u00e9m, v\u00a0n\u011bm\u017e ti v\u00a0produktivn\u00edm v\u011bku \u017eiv\u00ed ty na zaslou\u017een\u00e9m odpo\u010dinku. Z\u00a0\u010deho\u017e logicky vypl\u00fdv\u00e1, \u017ee nechceme-li, aby se na\u0161e […]","datePublished":"2025-03-06","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.agia.cz\/author\/#Person","name":"","url":"https:\/\/www.agia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"agia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.agia.cz\/wp-content\/uploads\/img_a336619_w2630_t1549988191.jpg","url":"https:\/\/www.agia.cz\/wp-content\/uploads\/img_a336619_w2630_t1549988191.jpg","height":0,"width":0},"url":"https:\/\/www.agia.cz\/vysmech-zodpovednym\/","about":["Ekonomika"],"wordCount":577,"articleBody":"Kdo m\u00e1 v\u0161ech p\u011bt pohromad\u011b, ch\u00e1pe to. Vid\u00ed, jak na\u0161e spole\u010dnost st\u00e1rne, jak je na ulic\u00edch k\u00a0vid\u011bn\u00ed st\u00e1le v\u00edce senior\u016f a naopak se tam nejednou ani nezavad\u00ed o d\u00edt\u011b, z\u00a0\u010deho\u017e logicky vypl\u00fdv\u00e1, \u017ee mus\u00ed b\u00fdt st\u00e1le neudr\u017eiteln\u011bj\u0161\u00ed syst\u00e9m, v\u00a0n\u011bm\u017e ti v\u00a0produktivn\u00edm v\u011bku \u017eiv\u00ed ty na zaslou\u017een\u00e9m odpo\u010dinku. Z\u00a0\u010deho\u017e logicky vypl\u00fdv\u00e1, \u017ee nechceme-li, aby se na\u0161e d\u011bti jednou strhaly ve snaze n\u00e1s u\u017eivit, respektive aby odsud tyto neutekly n\u011bkam, kde jim nebude n\u011bkdo jako my viset na krku, mus\u00edme si \u0161et\u0159it.\tJedn\u00edm ze zp\u016fsob\u016f, jak si pojistit, abychom ve st\u00e1\u0159\u00ed neum\u0159eli hlady, je ukl\u00e1d\u00e1n\u00ed pen\u011bz na budoucnost do penzijn\u00edch fond\u016f. Je\u017e by m\u011bly b\u00fdt z\u00e1rukou toho, \u017ee jednou nep\u016fjdeme, jak se \u0159\u00edk\u00e1, o \u017eebr\u00e1ck\u00e9 holi.\tOv\u0161em pod\u00edvejme se na realitu bez r\u016f\u017eov\u00fdch br\u00fdl\u00ed.\tNov\u00e9 penzijn\u00ed fondy loni prod\u011bl\u00e1valy. By\u0165 se pr\u00fd m\u00e1me ekonomicky skv\u011ble, by\u0165 \u017eijeme v\u00a0obdob\u00ed ekonomick\u00e9ho z\u00e1zraku, v\u00a0n\u011bm\u017e se da\u0159\u00ed na\u0161\u00ed ekonomice jako snad je\u0161t\u011b nikdy, nedok\u00e1zaly si na sebe \u2013 toti\u017e vlastn\u011b na sv\u00e9 st\u0159adatele \u2013 vyd\u011blat. A jsou-li tak dnes takov\u00e9 penzijn\u00ed fondy jak\u017e tak\u017e v\u00fdhodn\u00e9, pak je to jenom d\u00edky st\u00e1tn\u00edm p\u0159\u00edsp\u011bvk\u016fm.\t\tPodle Asociace penzijn\u00edch spole\u010dnost\u00ed \u010cR \u00fa\u010dastnick\u00e9 fondy dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed loni zkr\u00e1tka vesm\u011bs prod\u011bl\u00e1valy\t–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 konzervativn\u00ed fondy p\u0159i\u0161ly v\u00a0pr\u016fm\u011bru o 0,58 % sv\u00e9 hodnoty\t–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 vyv\u00e1\u017een\u00e9 fondy pozbyly 3,78 %\t–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 dynamick\u00e9 fondy dopadly nejh\u016f\u0159e, s m\u00ednus 8,49 %\tZa co\u017e pr\u00fd m\u016f\u017ee hlavn\u011b to, \u017ee poklesly akciov\u00e9 a dluhopisov\u00e9 trhy.\tLid\u00e9 se s\u00a0t\u00edm pr\u00fd mus\u00ed sm\u00ed\u0159it. Maj\u00ed akceptovat, \u017ee prost\u011b existuj\u00ed i \u201aslab\u0161\u00ed roky\u2018, kdy se neda\u0159\u00ed, a \u017ee je dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed dlouhodob\u00fd investi\u010dn\u00ed produkt. A v\u00a0dlouhodob\u00e9m horizontu (od vzniku p\u0159ed \u0161esti lety) pr\u00fd m\u011bly v\u0161echny \u00fa\u010dastnick\u00e9 fondy zisk; v\u00a0konzervativn\u00edch fondech si lid\u00e9 p\u0159i\u0161li za t\u011bch \u0161est let na 2,49 %, ve vyv\u00e1\u017een\u00fdch fondech na 7,65 % a ve fondech dynamick\u00fdch na 17,37 %.\tZ\u00a0transformovan\u00fdch penzijn\u00edch fond\u016f loni \u017e\u00e1dn\u00fd nep\u0159ekonal inflaci.\tTak\u017ee prakticky v\u0161ichni, kdo m\u011bli loni s\u00a0penzijn\u00edmi fondy co do \u010din\u011bn\u00ed, prod\u011blali. Pouze \u2013 pouze s\u00a0v\u00fdjimkou spr\u00e1vc\u016f penzijn\u00edch fond\u016f, k\u00a0nim\u017e se p\u0159esunulo nemal\u00e9 mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f st\u0159adatel\u016f, \u0159\u00e1dov\u011b ve v\u00fd\u0161i stamilion\u016f korun. Proto\u017ee tito spr\u00e1vci sm\u00ed pob\u00edrat rozhodnut\u00edm poslanc\u016f \u010cSSD z\u00a0doby p\u0159ed \u010dty\u0159mi lety vy\u0161\u0161\u00ed poplatky ne\u017e d\u0159\u00edve, u transformovan\u00fdch fond\u016f m\u00edsto 0,6 rovnou 0,8 % z celkov\u00e9 sumy v\u00a0nich ulo\u017een\u00fdch pen\u011bz. Dal\u0161\u00edch deset procent si sm\u00ed strh\u00e1vat a tak\u00e9 strh\u00e1vaj\u00ed za zhodnocen\u00ed; co\u017e je ale o p\u011bt procent m\u00e9n\u011b ne\u017e d\u0159\u00edve a spr\u00e1vci fond\u016f jsou tak vlastn\u011b m\u00e9n\u011b motivov\u00e1ni k\u00a0tomu, aby dosahovali zisk, zejm\u00e9na kdy\u017e si p\u0159ilep\u0161ili na poplatku za pouh\u00e9 obhospoda\u0159ov\u00e1n\u00ed aktiv.\tTak\u017ee si pr\u00fd ka\u017ed\u00fd rozumn\u00fd \u010dlov\u011bk \u0161et\u0159\u00ed dopl\u0148kov\u011b na penzi. Aby se m\u011bl l\u00e9pe\u2026 moment\u00e1ln\u011b jenom spr\u00e1vce jeho penzijn\u00edho fondu.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (19 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"V\u00fdsm\u011bch zodpov\u011bdn\u00fdm","item":"https:\/\/www.agia.cz\/vysmech-zodpovednym\/#breadcrumbitem"}]}]