[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hebi.cz\/jak-setrit-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.hebi.cz\/jak-setrit-na-duchod\/","headline":"Jak \u0161et\u0159it na d\u016fchod?","name":"Jak \u0161et\u0159it na d\u016fchod?","description":"Ur\u010dit\u011b jste n\u011bkdy sly\u0161eli motto, kdo \u0161et\u0159\u00ed, m\u00e1 na d\u016fchod. A je to tak. \u0160et\u0159it si na na\u0161e d\u016fchodov\u00e1 l\u00e9ta je velmi d\u016fle\u017eit\u00e9 a v sou\u010dasn\u00e9 dob\u011b je to velmi diskutovan\u00e9 t\u00e9ma. V\u0161ichni v\u00edme, \u017ee d\u016fchodov\u00fd syst\u00e9m v \u010cesk\u00e9 republice pot\u0159ebuje reformu, jinak je velk\u00e1 \u0161ance, \u017ee za n\u011bkolik des\u00edtek let ji\u017e na d\u016fchod n\u00e1\u0161...","datePublished":"2024-12-22","dateModified":"2024-12-22","author":{"@type":"Person","@id":"https:\/\/www.hebi.cz\/author\/#Person","name":"","url":"https:\/\/www.hebi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hebi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hebi.cz\/wp-content\/uploads\/marisa-howenstine-nFsOlSE9Mn8-unsplash_2.jpg","url":"https:\/\/www.hebi.cz\/wp-content\/uploads\/marisa-howenstine-nFsOlSE9Mn8-unsplash_2.jpg","height":0,"width":0},"url":"https:\/\/www.hebi.cz\/jak-setrit-na-duchod\/","about":["Pen\u00edze"],"wordCount":437,"articleBody":"   Ur\u010dit\u011b jste n\u011bkdy sly\u0161eli motto, kdo \u0161et\u0159\u00ed, m\u00e1 na d\u016fchod. A je to tak. \u0160et\u0159it si na na\u0161e d\u016fchodov\u00e1 l\u00e9ta je velmi d\u016fle\u017eit\u00e9 a v sou\u010dasn\u00e9 dob\u011b je to velmi diskutovan\u00e9 t\u00e9ma. V\u0161ichni v\u00edme, \u017ee d\u016fchodov\u00fd syst\u00e9m v \u010cesk\u00e9 republice pot\u0159ebuje reformu, jinak je velk\u00e1 \u0161ance, \u017ee za n\u011bkolik des\u00edtek let ji\u017e na d\u016fchod n\u00e1\u0161 st\u00e1t m\u00edt nebude. Proto se mus\u00edme sna\u017eit na n\u00e1\u0161 d\u016fchod \u0161et\u0159it. Jak ale na to?Za\u010dn\u011bte brzy\u010c\u00edm d\u0159\u00edve za\u010dnete, t\u00edm m\u00e9n\u011b v\u00e1s bude \u0161et\u0159en\u00ed bolet a t\u00edm v\u00edce na\u0161et\u0159\u00edte. I mal\u00e1 \u010d\u00e1stka m\u011bs\u00ed\u010dn\u011b, pokud bude pravideln\u00e1 a budete ji \u0161et\u0159it ji\u017e od ml\u00e1d\u00ed, v\u00e1m v d\u016fchodov\u00e9m v\u011bku m\u016f\u017ee p\u0159in\u00e9st p\u011bknou sumu kter\u00e1 v\u00e1m pom\u016f\u017ee. Za\u010dn\u011bte co nejd\u0159\u00edve. I sto koruna m\u011bs\u00ed\u010dn\u011b v\u00e1m za n\u011bkolik des\u00edtek let ud\u011bl\u00e1 kr\u00e1snou \u010d\u00e1stku.Vytvo\u0159te si d\u016fchodov\u00fd pl\u00e1nPro \u0161et\u0159en\u00ed na d\u016fchod je d\u016fle\u017eit\u00e9 m\u00edt pl\u00e1n a strategii. \u00dasp\u011b\u0161n\u00e9 spo\u0159en\u00ed nen\u00ed n\u011bco, co by m\u011blo b\u00fdt nepromy\u0161len\u00e9. Zkuste zv\u00e1\u017eit, kolik pen\u011bz budete v d\u016fchodu pot\u0159ebovat. Zva\u017ete mo\u017en\u00e9 \u017eivotn\u00ed n\u00e1klady. Obecn\u011b se doporu\u010duje, abyste na\u0161et\u0159ili alespo\u0148 patn\u00e1ctin\u00e1sobek va\u0161eho ro\u010dn\u00edho p\u0159\u00edjmu. Stanovte si ale re\u00e1ln\u00e9 c\u00edle.Zam\u011b\u0159te se na d\u016fchodov\u00e9 produktyVe v\u011bt\u0161in\u011b zem\u00ed existuj\u00ed r\u016fzn\u00e9 produkty ur\u010den\u00e9 pr\u00e1v\u011b pro \u0161et\u0159en\u00ed na d\u016fchod. U n\u00e1s k tomu pat\u0159\u00ed nap\u0159\u00edklad penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 poskytuj\u00ed snad v\u0161echny v\u011bt\u0161\u00ed banky. Na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed p\u0159isp\u00edv\u00e1 tak\u00e9 hodn\u011b zam\u011bstnavatel\u016f, co\u017e je velk\u00e1 v\u00fdhoda. M\u00e1te n\u00e1rok tak\u00e9 na ur\u010dit\u00e9 p\u0159\u00edsp\u011bvky od st\u00e1tu, \u010d\u00edm\u017e budete \u0161et\u0159it rychleji.InvestujtePokud m\u00e1te ji\u017e na\u0161et\u0159enou n\u011bjakou \u010d\u00e1stku, co takhle investovat? Investice jsou v sou\u010dasn\u00e9 dob\u011b velmi doporu\u010dovan\u00e9. Investice do akci\u00ed nebo pod\u00edlov\u00fdch fond\u016f v\u00e1m mohou v dlouhodob\u00e9m horizontu p\u0159in\u00e9st daleko v\u011bt\u0161\u00ed \u00faspory ne\u017e spo\u0159\u00edc\u00ed \u00fa\u010dty. Je ale d\u016fle\u017eit\u00e9 pe\u010dliv\u011b vybrat, do \u010deho budete investovat, abyste minimalizovali rizika ztr\u00e1ty. Rad\u011bji volte investice, kde budete spo\u0159it pomaleji, ale riziko ztr\u00e1ty bude men\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak \u0161et\u0159it na d\u016fchod?","item":"https:\/\/www.hebi.cz\/jak-setrit-na-duchod\/#breadcrumbitem"}]}]