{"id":6389,"date":"2012-10-09T10:49:04","date_gmt":"2012-10-09T08:49:04","guid":{"rendered":"https:\/\/popelky.cz\/pokus_sablona\/?p=6389"},"modified":"2018-10-28T10:49:33","modified_gmt":"2018-10-28T09:49:33","slug":"ukoncete-nastup-dvere-se-zaviraji-pristi-stanice-duchodova-reforma","status":"publish","type":"post","link":"https:\/\/popelky.cz\/verze7-0\/rodina-a-drobotina\/ukoncete-nastup-dvere-se-zaviraji-pristi-stanice-duchodova-reforma.html","title":{"rendered":"Ukon\u010dete n\u00e1stup, dve\u0159e se zav\u00edraj\u00ed! P\u0159\u00ed\u0161t\u00ed stanice d\u016fchodov\u00e1 reforma!"},"content":{"rendered":"

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ste gramotn\u00ed? Pokud jste se pr\u00e1v\u011b te\u010f pousm\u00e1li, nebo jakkoli na ot\u00e1zku zareagovali, pak pat\u0159\u00edte mezi ty \u0161\u0165astlivce, kte\u0159\u00ed mohou odpov\u011bd\u011bt ano. No a co finan\u010dn\u011b? To u\u017e takov\u00e1 legrace neb\u00fdv\u00e1. J\u00e1 nap\u0159\u00edklad se pokl\u00e1d\u00e1m v oblasti financ\u00ed za poloneandrt\u00e1lce, a proto radit nemohu. Jen\u017ee, v t\u00e9to dob\u011b se mo\u017en\u00e1 dobr\u00e1 rada bude hodit. Bl\u00ed\u017e\u00ed se toti\u017e d\u016fchodov\u00e1 reforma.<\/strong><\/p>\n<\/div>\n

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Hledali jsme proto odborn\u00edka, kter\u00fd o v\u011bcech kolem d\u016fchodov\u00e9 reformy v\u00ed v\u00edc, ne\u017e jak vypad\u00e1 d\u016fchodce a mysl\u00edm, \u017ee se n\u00e1m povedlo uhnat doslova \u0161pi\u010dku, mezi finan\u010dn\u00edmi r\u00e1dci. I kdy\u017e, nechal se uhnat celkem ochotn\u011b, proto\u017ee je Tomov\u00fdm dlouholet\u00fdm kamar\u00e1dem. Tom\u00e1\u0161 ho oslovil pr\u00e1v\u011b z d\u016fvodu bl\u00ed\u017e\u00edc\u00ed se reformy a faktu, \u017ee hodn\u011b lid\u00ed v sou\u010dasn\u00e9 dob\u011b, v t\u00e9to ot\u00e1zce t\u00e1pe.<\/strong><\/p>\n

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Snad pro v\u00e1s bude n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek  v t\u011bchto dnech cenn\u00fd.<\/strong><\/p>\n

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\"7252MDY.jpg\"Ing. Miroslav \u0160kv\u00e1ra<\/strong> p\u016fsob\u00ed od roku 1993 v oblasti financ\u00ed. Pracoval ve stavebn\u00ed spo\u0159iteln\u011b, penzijn\u00edm fondu, \u017eivotn\u00ed poji\u0161\u0165ovn\u011b a investi\u010dn\u00ed spole\u010dnosti. V posledn\u00edch letech se v\u011bnuje nez\u00e1visl\u00e9mu finan\u010dn\u00edmu poradenstv\u00ed a lektorsk\u00e9 \u010dinnosti v oblasti soft a hard skills. P\u0159edn\u00e1\u0161\u00ed extern\u011b v „Czech Management Institute Praha \u2013 Mana\u017eersk\u00e1 fakulta ESMA Barcelona“ v Masarykov\u011b \u00fastavu vy\u0161\u0161\u00edch studi\u00ed \u010cVUT.<\/em><\/p>\n

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V leto\u0161n\u00edm roce vede v\u00fduku p\u0159edm\u011btu Finan\u010dn\u00ed gramotnost na Gymn\u00e1ziu Vod\u011bradsk\u00e1 v Praze 10.<\/em><\/p>\n

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V roce 1995 vykonal makl\u00e9\u0159skou zkou\u0161ku z cenn\u00fdch pap\u00edr\u016f a kapit\u00e1lov\u00fdch trh\u016f, je dr\u017eitelem n\u011bkolika odborn\u00fdch certifik\u00e1t\u016f. Spolupracuje jako \u010dlen akademie sout\u011b\u017ee Zlat\u00e1 koruna. P\u016fsob\u00ed jako investi\u010dn\u00ed zprost\u0159edkovatel a lektor finan\u010dn\u00ed gramotnosti. <\/em><\/p>\n

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Pro\u010d jsem do titulku \u010dl\u00e1nku zvolil tento zcela prapodivn\u00fd nadpis?<\/strong><\/p>\n

Proto\u017ee se brzy n\u011bco zm\u011bn\u00ed a tam, kam m\u016f\u017eeme vstoupit je\u0161t\u011b dnes, ji\u017e z\u00edtra budete m\u00edt nav\u017edy zav\u0159en\u00e9 dve\u0159e. A t\u00e9ma d\u016fchodu se bez nads\u00e1zky t\u00fdk\u00e1 ka\u017ed\u00e9ho z n\u00e1s, i kdy\u017e si to mnohdy nep\u0159ipou\u0161t\u00edme a sv\u00e1 rozhodnut\u00ed odkl\u00e1d\u00e1me na pak.<\/p>\n

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To je zkr\u00e1tka tradi\u010dn\u00ed lidsk\u00e1 vlastnost.<\/p>\n

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Za\u010dnu na \u00favod ot\u00e1zkou: V\u00edte, co je to penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed? <\/strong><\/p>\n

Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je forma spo\u0159en\u00ed na st\u00e1\u0159\u00ed podporovan\u00e1 st\u00e1tem, kter\u00e1 m\u00e1 ji\u017e v \u010cR tradici od roku 1994.<\/p>\n

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Kdo se m\u016f\u017ee p\u0159ipojistit? <\/strong><\/p>\n

Smlouvu s penzijn\u00edm fondem m\u016f\u017ee uzav\u0159\u00edt osoba star\u0161\u00ed 18 let s trval\u00fdm pobytem v \u010cR. P\u0159\u00edpadn\u011b tak\u00e9 fyzick\u00e1 osoba star\u0161\u00ed 18 let s bydli\u0161t\u011bm v jin\u00e9m \u010dlensk\u00e9m st\u00e1t\u011b Evropsk\u00e9 unie, pokud se \u00fa\u010dastn\u00ed ve\u0159ejn\u00e9ho nebo d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed v \u010cR, nebo pob\u00edr\u00e1 d\u016fchod z \u010desk\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed nebo ve\u0159ejn\u00e9ho zdravotn\u00edho poji\u0161t\u011bn\u00ed v \u010cesk\u00e9 republice.<\/p>\n

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\u00da\u010dast na penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed je dobrovoln\u00e1. <\/strong><\/p>\n

Jen pro po\u0159\u00e1dek, n\u00e1zev p\u0159ipoji\u0161t\u011bn\u00ed je trochu zav\u00e1d\u011bj\u00edc\u00ed, vlastn\u011b se nejedn\u00e1 o pojistnou ochranu, ale o v\u00fdhodn\u00fd spo\u0159ic\u00ed produkt.<\/p>\n

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Mo\u017en\u00e1 pat\u0159\u00ed v\u011bt\u0161ina \u010dten\u00e1\u0159ek www.popelky.cz<\/a> mezi ty zodpov\u011bdn\u00e9, kter\u00e9 ji\u017e penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed uzav\u0159ely a v\u011bd\u00ed, \u017ee jim st\u00e1t p\u0159isp\u00edv\u00e1.<\/p>\n

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A kolik vlastn\u011b st\u00e1t p\u0159isp\u00edv\u00e1 letos a co se v p\u0159\u00edsp\u011bvc\u00edch zm\u011bn\u00ed od roku 2013?<\/strong><\/p>\n

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P\u0159ipravil jsem pro v\u00e1s p\u0159ehlednou tabulku:<\/strong><\/p>\n

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M\u011bs\u00ed\u010dn\u00ed \u00falo\u017eka<\/td>\nSt\u00e1tn\u00ed p\u0159\u00edsp\u011bvek
\ndo 31.12.2012<\/td>\n		St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek
\nod 1.1.2013<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
 100 K\u010d<\/td>\n  50 K\u010d<\/td>\n0 K\u010d<\/td>\n<\/tr>\n
 200 K\u010d<\/td>\n  90 K\u010d<\/td>\n0 K\u010d<\/td>\n<\/tr>\n
 300 K\u010d<\/td>\n120 K\u010d<\/td>\n90 K\u010d<\/td>\n<\/tr>\n
 400 K\u010d<\/td>\n140 K\u010d<\/td>\n110 K\u010d<\/td>\n<\/tr>\n
 500 K\u010d<\/td>\n150 K\u010d<\/td>\n130 K\u010d<\/td>\n<\/tr>\n
 600 K\u010d<\/td>\n150 K\u010d<\/td>\n150 K\u010d<\/td>\n<\/tr>\n
 700 K\u010d<\/td>\n150 K\u010d<\/td>\n170 K\u010d<\/td>\n<\/tr>\n
 800 K\u010d<\/td>\n150 K\u010d<\/td>\n190 K\u010d<\/td>\n<\/tr>\n
 900 K\u010d<\/td>\n150 K\u010d<\/td>\n210 K\u010d<\/td>\n<\/tr>\n
1000K\u010d<\/strong><\/td>\n150 K\u010d<\/strong><\/td>\n230 K\u010d<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Pokud si n\u011bkdo letos p\u0159isp\u00edv\u00e1 m\u00e9n\u011b ne\u017e 300 K\u010d m\u011bs\u00ed\u010dn\u011b, m\u011bl by si \u010d\u00e1stku zv\u00fd\u0161it na pot\u0159ebn\u00e9 3 stokoruny, aby z\u00edskal minim\u00e1ln\u00ed p\u0159\u00edsp\u011bvek 90 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n

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Nen\u00ed \u0161patn\u00e9 se pr\u00e1v\u011b nyn\u00ed pod\u00edvat do sv\u00e9 smlouvy, pokud ji m\u00e1te ji\u017e uzav\u0159enu. <\/strong><\/p>\n

Maxim\u00e1ln\u00edho p\u0159\u00edsp\u011bvku nov\u011b dos\u00e1hnete s \u010d\u00e1stkou 1.000 K\u010d m\u011bs\u00ed\u010dn\u011b. V tom p\u0159\u00edpad\u011b bude st\u00e1t \u0161t\u011bd\u0159ej\u0161\u00ed a z\u00edsk\u00e1te st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek ve v\u00fd\u0161i 230 K\u010d.<\/p>\n

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\"7251Zjg.jpg\"Je\u0161t\u011b se pokus\u00edm stru\u010dn\u011b shrnout v\u00fdhody penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed<\/strong><\/p>\n

Pou\u017eit\u00ed prost\u0159edk\u016f nen\u00ed nijak \u00fa\u010delov\u011b omezeno. Pokud nechcete s v\u00fdb\u011brem prost\u0159edk\u016f \u010dekat a\u017e do 60 let, m\u016f\u017eete 50 % vybrat ji\u017e po 15 letech spo\u0159en\u00ed. Sta\u010d\u00ed p\u0159i uzav\u00edr\u00e1n\u00ed smlouvy zatrhnout typ penze \u201ev\u00fdsluhov\u00e1\u201c.<\/p>\n

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Garance zhodnocen\u00ed vklad\u016f. <\/strong><\/p>\n

Jin\u00fdmi slovy plat\u00ed, \u017ee v\u00fdnos z vklad\u016f nesm\u00ed b\u00fdt z\u00e1porn\u00fd. Pokud penzijn\u00ed fond utrp\u00ed ke konci roku ztr\u00e1tu, mus\u00ed ji akcion\u00e1\u0159i zaplatit \u00fa\u010dastn\u00edk\u016fm fondu z vlastn\u00edch zdroj\u016f \u2013 vid\u00edte, \u017ee v\u00e1m doporu\u010duji bezpe\u010dn\u00fd produkt a ne n\u011bjak\u00fd rizikov\u00fd.<\/p>\n

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Spo\u0159en\u00ed je da\u0148ov\u011b zv\u00fdhodn\u011bn\u00e9 pro fyzick\u00e9 osoby i zam\u011bstnavatele.<\/strong><\/p>\n

P\u0159isp\u00edvat na penzi v\u00e1m m\u016f\u017ee tak\u00e9 v\u00e1\u0161 zam\u011bstnavatel nebo jak\u00e1koliv t\u0159et\u00ed osoba.<\/strong><\/p>\n

Penzijn\u00edch fond\u016f je nyn\u00ed 9, je mo\u017eno si mezi nimi vybrat ten spr\u00e1vn\u00fd.<\/strong><\/p>\n

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Ji\u017e nyn\u00ed na d\u00e1lku sly\u0161\u00edm nej\u010dast\u011bj\u0161\u00ed dotaz, kter\u00fd dost\u00e1v\u00e1m od z\u00e1jemc\u016f o penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed.<\/strong><\/p>\n

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A co kdy\u017e nebudu moci po celou dobu smlouvy pravideln\u011b spo\u0159it?<\/strong><\/em><\/p>\n

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Smlouvu je mo\u017en\u00e9 p\u0159eru\u0161it, nebo m\u016f\u017eete placen\u00ed p\u0159\u00edsp\u011bvk\u016f na \u010das odlo\u017eit. <\/strong><\/p>\n

Mus\u00edte to v\u0161ak fondu ozn\u00e1mit p\u00edsemn\u011b. Z penzijn\u00edho spo\u0159en\u00ed v\u00e1m pak nehroz\u00ed \u017e\u00e1dn\u00e9 poplatky nebo sankce za neplacen\u00ed.<\/p>\n

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Je v\u00fdhodn\u00e9 m\u00edt smlouvu podepsanou a odkl\u00e1dat si stranou pen\u00edze v dob\u011b, kdy\u017e se v\u00e1m da\u0159\u00ed. <\/strong><\/p>\n

Penzijn\u00ed fond se v\u00e1m o pen\u00edze star\u00e1 a p\u0159ipisuje ro\u010dn\u011b zhodnocen\u00ed. A i mal\u00e1 \u010d\u00e1stka, kterou spo\u0159\u00edte pravideln\u011b se v\u00e1m v budoucnu bude hodit.<\/p>\n

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Vzhledem k progn\u00f3z\u00e1m dal\u0161\u00edho v\u00fdvoje pova\u017euji produkt penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed skoro za nutnost. Pr\u016fm\u011brn\u00fd d\u016fchod je nyn\u00ed na \u00farovni 10.500 K\u010d a za p\u00e1r des\u00edtek let nebude situace z\u0159ejm\u011b lep\u0161\u00ed, sp\u00ed\u0161 naopak.<\/p>\n

Populace st\u00e1rne a porodnost kles\u00e1.<\/p>\n

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A je\u0161t\u011b ot\u00e1zku na z\u00e1v\u011br. <\/strong><\/p>\n

Mo\u017en\u00e1 nem\u00e1te uzav\u0159eno penzijn\u00ed p\u0159ipoji\u0161t\u011bn a pt\u00e1te se, pro\u010d byste ho m\u011bla uzav\u0159\u00edt je\u0161t\u011b letos do 30.11.2012?<\/p>\n

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V lednu za\u010dne d\u016fchodov\u00e1 reforma a s n\u00ed nov\u00e9 \u00fa\u010dastnick\u00e9 a transformovan\u00e9 fondy a mo\u017enost vstoupit do tzv. 2. pil\u00ed\u0159e.<\/p>\n

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\"7248Y2Y.jpg\"Ji\u017e v lednu 2013 se ztrat\u00ed st\u00e1vaj\u00edc\u00ed v\u00fdhoda garance, \u017ee penzijn\u00ed fond neprod\u011bl\u00e1 a tak\u00e9 v\u00fdhoda v\u00fdsluhov\u00e9 penze. <\/strong><\/p>\n

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To je ta mo\u017enost po 180 m\u011bs\u00edc\u00edch si vybrat 50% z naspo\u0159en\u00fdch prost\u0159edk\u016f.<\/p>\n

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Zkr\u00e1tka a dob\u0159e, sou\u010dasn\u00e1 nab\u00eddka je v\u00fdhodn\u011bj\u0161\u00ed, ne\u017e ta budouc\u00ed, kter\u00e1 bude platit p\u0159\u00ed\u0161t\u00ed rok. <\/strong><\/p>\n

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Proto je je\u0161t\u011b \u010das se nad uzav\u0159en\u00edm penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed zamyslet. Ch\u00e1pu, \u017ee jsem v \u010dl\u00e1nku uvedl mo\u017en\u00e1 hodn\u011b \u010d\u00edsel a pojm\u016f, ale mo\u017en\u00e1 v\u00e1s trochu donut\u00ed zamyslet se nad budoucnost\u00ed.<\/p>\n

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Jen pro p\u0159edstavu, v sou\u010dasn\u00e9 dob\u011b m\u00e1 tento produkt uzav\u0159eno ji\u017e v\u00edce ne\u017e 4,6 mil. \u00fa\u010dastn\u00edk\u016f.<\/p>\n

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Dve\u0159e pro vstup do penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed jsou st\u00e1le otev\u0159eny pro ty, co je\u0161t\u011b v\u00e1haj\u00ed.  <\/strong><\/p>\n

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Ing. Miroslav \u0160kv\u00e1ra<\/em><\/p>\n

Lektor finan\u010dn\u00ed gramotnosti<\/em><\/p>\n

www.skvara.cz <\/a><\/p>\n

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[sexy_author_bio]<\/p>\n

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Views: 12 ste gramotn\u00ed? Pokud jste se pr\u00e1v\u011b te\u010f pousm\u00e1li, nebo jakkoli na ot\u00e1zku zareagovali, pak pat\u0159\u00edte mezi ty \u0161\u0165astlivce, kte\u0159\u00ed mohou odpov\u011bd\u011bt ano. No a co finan\u010dn\u011b? To u\u017e takov\u00e1 legrace neb\u00fdv\u00e1. J\u00e1 nap\u0159\u00edklad se pokl\u00e1d\u00e1m v oblasti financ\u00ed za poloneandrt\u00e1lce, a proto radit nemohu. Jen\u017ee, v t\u00e9to dob\u011b se mo\u017en\u00e1 dobr\u00e1 rada bude hodit. Bl\u00ed\u017e\u00ed […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[],"class_list":["post-6389","post","type-post","status-publish","format-standard","hentry","category-rodina-a-drobotina"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t