[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rapublic.cz\/jak-se-zajistit-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.rapublic.cz\/jak-se-zajistit-na-duchod\/","headline":"Jak se zajistit na d\u016fchod","name":"Jak se zajistit na d\u016fchod","description":"Jste v \u017eivot\u011b, co se t\u00fd\u010de financ\u00ed, opatrn\u00ed a cht\u011bli byste si na\u0161et\u0159it i do budoucna? Sousta lid\u00ed, zvl\u00e1\u0161t\u011b t\u011bch mlad\u0161\u00ed generace, m\u00e1 \u010dasto probl\u00e9my vyj\u00edt s pen\u011bzi a n\u011bco si na\u0161et\u0159it. P\u0159itom m\u016f\u017eeme jen st\u011b\u017e\u00ed po\u010d\u00edtat s t\u00edm, \u017ee se o n\u00e1s v d\u016fchodu postar\u00e1 st\u00e1t. Jak\u00e9 jsou tedy mo\u017enosti, jak se na d\u016fchod","datePublished":"2025-03-06","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.rapublic.cz\/author\/#Person","name":"","url":"https:\/\/www.rapublic.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/390ba47df5874845ef3762ac16ecd0a67f4e30c13cbb7c7ee444ade303aa885b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rapublic.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rapublic.cz\/wp-content\/uploads\/img_a329352_w2642_t1541839460.jpg","url":"https:\/\/www.rapublic.cz\/wp-content\/uploads\/img_a329352_w2642_t1541839460.jpg","height":0,"width":0},"url":"https:\/\/www.rapublic.cz\/jak-se-zajistit-na-duchod\/","about":["Finance"],"wordCount":453,"articleBody":"Jste v \u017eivot\u011b, co se t\u00fd\u010de financ\u00ed, opatrn\u00ed a cht\u011bli byste si na\u0161et\u0159it i do budoucna? Sousta lid\u00ed, zvl\u00e1\u0161t\u011b t\u011bch mlad\u0161\u00ed generace, m\u00e1 \u010dasto probl\u00e9my vyj\u00edt s pen\u011bzi a n\u011bco si na\u0161et\u0159it. P\u0159itom m\u016f\u017eeme jen st\u011b\u017e\u00ed po\u010d\u00edtat s t\u00edm, \u017ee se o n\u00e1s v d\u016fchodu postar\u00e1 st\u00e1t. Jak\u00e9 jsou tedy mo\u017enosti, jak se na d\u016fchod p\u0159ipravit a zajistit si finance sami?   1. Za\u010dn\u011bte co nejd\u0159\u00edve. \u010c\u00edm pozd\u011bji toti\u017e za\u010dnete, t\u00edm to pro v\u00e1s bude v danou chv\u00edli finan\u010dn\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed, jeliko\u017e si budete muset odkl\u00e1dat v\u011bt\u0161\u00ed \u010d\u00e1stky najednou. 2. D\u016fchodov\u00e9 spo\u0159en\u00ed. Podstatou d\u016fchodov\u00e9ho spo\u0159en\u00ed je investice. Tak\u017ee kdy\u017e vlo\u017e\u00edte na \u00fa\u010det 2 % ze sv\u00e9 hrub\u00e9 mzdy, st\u00e1t v\u00e1m p\u0159isp\u011bje dal\u0161\u00edmi 3% nav\u00edc. V\u00fdhodou je pr\u00e1v\u011b p\u0159isp\u00edv\u00e1n\u00ed st\u00e1tem, ale nev\u00fdhodou m\u016f\u017ee b\u00fdt nemo\u017enost vybrat pen\u00edze. Ty toti\u017e dostanete a\u017e s n\u00e1stupem do d\u016fchodu. Dal\u0161\u00ed nev\u00fdhodou je nejist\u00e1 budoucnost t\u011bchto d\u016fchodov\u00fdch spo\u0159en\u00ed a v neposledn\u00ed \u0159ad\u011b tak\u00e9 riziko inflace. 3. D\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed. D\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed nab\u00edzej\u00ed poji\u0161\u0165ovny. Jedn\u00e1 se o \u017eivotn\u00ed pojistku, kter\u00e1 je upraven\u00e1 ke spo\u0159en\u00ed. V\u00fdhodou je, \u017ee si pen\u00edze m\u016f\u017eete kdykoli vybrat a nemus\u00edte \u010dekat na d\u016fchod. Nev\u00fdhodou jsou ov\u0161em vy\u0161\u0161\u00ed vstupn\u00ed poplatky, kter\u00e9 mohou sahat do v\u00fd\u0161e a\u017e dvou ro\u010dn\u00edch plateb. 4. Investice. Vkl\u00e1dat pen\u00edze m\u016f\u017eete nap\u0159. do nemovitost\u00ed, co\u017e je vhodn\u00e9 pro dlouhodob\u00e9 investice a mezi koup\u00ed a prodejem si nav\u00edc m\u016f\u017eete vyd\u011bl\u00e1vat pron\u00e1jmem. Pokud se ale dob\u0159e vyzn\u00e1te v um\u011bn\u00ed, m\u016f\u017eete sv\u00e9 pen\u00edze vlo\u017eit pr\u00e1v\u011b do n\u011bj. Dal\u0161\u00ed, ov\u0161em m\u00e1lo vyu\u017e\u00edvanou mo\u017enost\u00ed jsou akcie. Ty maj\u00ed dlouhodob\u011b nejvy\u0161\u0161\u00ed v\u00fdnosnost a v\u00fdhodou je, \u017ee je m\u016f\u017eete kdykoli prodat a odstoupit. Nelze ov\u0161em p\u0159ehl\u00e9dnout fakt, \u017ee je to riskantn\u00ed. Tradi\u010dn\u00ed a obl\u00edbenou variantou, kam investovat pen\u00edze, je zlato. Je stabiln\u00ed, net\u00fdkaj\u00ed se ho v\u00fdkyvy kurz\u016f m\u011bn a budete m\u00edt jistotu. Men\u0161\u00ed nev\u00fdhodou m\u016f\u017eou b\u00fdt kr\u00e1tkodob\u00e9 poklesy hodnoty zlata.  D\u016fle\u017eit\u00e9 je nespol\u00e9hat se pouze jen na jednu z t\u011bchto mo\u017enost\u00ed, ale v nejlep\u0161\u00edm p\u0159\u00edpad\u011b je por\u016fznu kombinovat. Tak budete m\u00edt nejv\u011bt\u0161\u00ed jistotu, \u017ee na d\u016fchod budete opravdu dob\u0159e p\u0159ipraveni a zabezpe\u010deni.                                                                                                                                                                                                                                                                                                                                                                                         4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se zajistit na d\u016fchod","item":"https:\/\/www.rapublic.cz\/jak-se-zajistit-na-duchod\/#breadcrumbitem"}]}]