[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bolly.cz\/duchod-neni-nemoc\/#Article","mainEntityOfPage":"https:\/\/www.bolly.cz\/duchod-neni-nemoc\/","headline":"D\u016fchod nen\u00ed nemoc","name":"D\u016fchod nen\u00ed nemoc","description":"Mnoz\u00ed si ale v\u00a0tuto dobu uv\u011bdomuj\u00ed, \u017ee je \u010das opustit n\u011bkter\u00e9 v\u011bci a odej\u00edt na tak zvan\u00fd odpo\u010dinek. N\u011bkter\u00e9 to doslova d\u011bs\u00ed, ale pro n\u011bkter\u00e9 je to \u010das, na kter\u00fd tou\u017eebn\u011b o\u010dek\u00e1vaj\u00ed. Kone\u010dn\u011b budou m\u00edt \u010das na v\u011bci, kter\u00e9 maj\u00ed r\u00e1di a mohou se jim v\u011bnovat. Mohou cestovat, chodit na vych\u00e1zky, starat se o vnou\u010data […]","datePublished":"2023-05-07","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.bolly.cz\/author\/#Person","name":"","url":"https:\/\/www.bolly.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bolly.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bolly.cz\/wp-content\/uploads\/img_a321749_w2281_t1533020113.jpg","url":"https:\/\/www.bolly.cz\/wp-content\/uploads\/img_a321749_w2281_t1533020113.jpg","height":0,"width":0},"url":"https:\/\/www.bolly.cz\/duchod-neni-nemoc\/","wordCount":477,"articleBody":"Mnoz\u00ed si ale v\u00a0tuto dobu uv\u011bdomuj\u00ed, \u017ee je \u010das opustit n\u011bkter\u00e9 v\u011bci a odej\u00edt na tak zvan\u00fd odpo\u010dinek. N\u011bkter\u00e9 to doslova d\u011bs\u00ed, ale pro n\u011bkter\u00e9 je to \u010das, na kter\u00fd tou\u017eebn\u011b o\u010dek\u00e1vaj\u00ed. Kone\u010dn\u011b budou m\u00edt \u010das na v\u011bci, kter\u00e9 maj\u00ed r\u00e1di a mohou se jim v\u011bnovat. Mohou cestovat, chodit na vych\u00e1zky, starat se o vnou\u010data nebo zkr\u00e1tka jen tak tr\u00e1vit \u010das se sv\u00fdm partnerem. Mo\u017en\u00e1 v\u00a0tento \u010das by se hodila n\u011bjak\u00e1 korunka nav\u00edc. Nastoupit do d\u016fchodu nen\u00ed stejn\u00e9 jako nastoupit do nemocnice. Je zkr\u00e1tka \u010das si ten \u017eivot vychutnat pln\u00fdmi dou\u0161ky.\tNa penzijn\u00ed spo\u0159en\u00ed nen\u00ed nikdy pozd\u011bDokonce se d\u00e1 za\u010d\u00edt spo\u0159it i t\u011bsn\u011b p\u0159ed n\u00e1stupem, ale i p\u0159i n\u011bm. Podm\u00ednkou je povinn\u00fdch p\u011bl let ukl\u00e1d\u00e1n\u00ed. Podle \u010d\u00e1stky, kterou jsme se rozhodli spo\u0159it, m\u016f\u017eeme m\u00edt i na p\u011bknou dovolenou. D\u00e1le bychom m\u011bli po\u010d\u00edtat i s\u00a0t\u00edm, \u017ee na sv\u00e9 pen\u00edze dos\u00e1hneme v\u00a0\u0161edes\u00e1ti letech, pokud chceme z\u00edskat plnou podporu od st\u00e1tu. Jeho v\u00fd\u0161e se odv\u00edj\u00ed od velikosti \u010d\u00e1stky, kter\u00e1 se spo\u0159\u00ed. Pokud za\u010dneme \u0161et\u0159it nap\u0159\u00edklad ve v\u011bku pades\u00e1ti let, tak po\u0159\u00e1d n\u00e1m p\u0159ibli\u017en\u011b do d\u016fchodu zb\u00fdv\u00e1 15 let a za tu dobu se d\u00e1 skute\u010dn\u011b na\u0161et\u0159it slu\u0161n\u00fd pen\u00edz. Dokonce ani o deset let pozd\u011bji, nen\u00ed pozd\u011b na zalo\u017een\u00ed penzijn\u00edho spo\u0159en\u00ed.Existuj\u00ed t\u0159i druhy penzijn\u00edch fond\u016f:Fondy dostaly od st\u00e1tu v\u011bt\u0161\u00ed volnost a tak vzniklo dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed.1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Konzervativn\u00ed fond \u2013 ten mus\u00ed nab\u00edzet ka\u017ed\u00e1 penzijn\u00ed spole\u010dnost sv\u00fdm investor\u016fm. Pen\u00edze investuj\u00ed do st\u00e1tn\u00edch dluhopis\u016f a pen\u011b\u017en\u00edho trhu. \u00dapln\u011b jednodu\u0161e \u0159e\u010deno, \u017ee za vy\u0161\u0161\u00ed jistotu z\u00edsk\u00e1me m\u00e9n\u011b pen\u011bz.2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Vyv\u00e1\u017een\u00fd fond \u2013 takov\u00e9 fondy investuj\u00ed ji\u017e i do akci\u00ed, ale jejich pod\u00edl zpravidla nep\u0159esahuje 40 a\u017e 50% majetku fondu. V\u00a0tento moment m\u016f\u017eeme vyd\u011blat v\u00edc, ale tak\u00e9 i n\u011bco ztratit.3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dynamick\u00fd fond neboli r\u016fstov\u00fd \u2013 zde lze dos\u00e1hnout maxim\u00e1ln\u00edho zhodnocen\u00ed. Investuje se hlavn\u011b do akci\u00ed nebo dluhopis\u016f.Spo\u0159it m\u016f\u017eeme i pouh\u00fdch 300,- K\u010d, kdy st\u00e1tn\u00ed podpora bude ka\u017ed\u00fd m\u011bs\u00edc 90,- K\u010d. Nen\u00ed to sice mnoho, ale prakticky ka\u017ed\u00fd dos\u00e1hne na tuto \u010d\u00e1stku vcelku v\u00a0pohod\u011b. Pokud bychom spo\u0159ili 1\u00a0000,- K\u010d m\u011bs\u00ed\u010dn\u011b, od st\u00e1tu se n\u00e1m p\u0159ipo\u010dte ji\u017e 230,- K\u010d. P\u0159\u00edklad\u016f je podstatn\u011b v\u00edce a zodpov\u011bdn\u00ed poradci n\u00e1m poskytnou ve\u0161ker\u00e9 pot\u0159ebn\u00e9 informace.                                                                                                                                                                                                                                                                                                                                                                                        3.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u016fchod nen\u00ed nemoc","item":"https:\/\/www.bolly.cz\/duchod-neni-nemoc\/#breadcrumbitem"}]}]