[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spojeno.cz\/penzijni-pripojisteni-je-garantovano-statem-a-o-penize-neprijdete\/#Article","mainEntityOfPage":"https:\/\/www.spojeno.cz\/penzijni-pripojisteni-je-garantovano-statem-a-o-penize-neprijdete\/","headline":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je garantov\u00e1no st\u00e1tem a o pen\u00edze nep\u0159ijdete","name":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je garantov\u00e1no st\u00e1tem a o pen\u00edze nep\u0159ijdete","description":"Na druhou stranu to zas nep\u0159in\u00e1\u0161\u00ed \u017e\u00e1dn\u00e9 extra v\u00fdd\u011blky. V sou\u010dasn\u00e9 dob\u011b ov\u0161em existuje i tzv. \u201edopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed\u201c, kter\u00e9 sice m\u016f\u017ee nab\u00eddnout vy\u0161\u0161\u00ed zisk, ale ten zas vyva\u017euje ur\u010dit\u00e9 riziko. Klient\u016fm nav\u00edc hroz\u00ed i situace, \u017ee mohou na dopl\u0148kov\u00e9m spo\u0159en\u00ed i prod\u011blat. P\u0159esto se \u0159ada lid\u00ed rozhodla spo\u0159it touto formou pen\u00edze a ukl\u00e1dat je...","datePublished":"2025-03-08","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.spojeno.cz\/author\/#Person","name":"","url":"https:\/\/www.spojeno.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7b7a3ac09da7f6a75c5f1ebec5be454c22943a51b9f5595d89318ef09bd44dd1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spojeno.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spojeno.cz\/wp-content\/uploads\/img_a308911_w2287_t1519937638.jpg","url":"https:\/\/www.spojeno.cz\/wp-content\/uploads\/img_a308911_w2287_t1519937638.jpg","height":0,"width":0},"url":"https:\/\/www.spojeno.cz\/penzijni-pripojisteni-je-garantovano-statem-a-o-penize-neprijdete\/","wordCount":465,"articleBody":" Na druhou stranu to zas nep\u0159in\u00e1\u0161\u00ed \u017e\u00e1dn\u00e9 extra v\u00fdd\u011blky. V sou\u010dasn\u00e9 dob\u011b ov\u0161em existuje i tzv. \u201edopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed\u201c, kter\u00e9 sice m\u016f\u017ee nab\u00eddnout vy\u0161\u0161\u00ed zisk, ale ten zas vyva\u017euje ur\u010dit\u00e9 riziko. Klient\u016fm nav\u00edc hroz\u00ed i situace, \u017ee mohou na dopl\u0148kov\u00e9m spo\u0159en\u00ed i prod\u011blat.  P\u0159esto se \u0159ada lid\u00ed rozhodla spo\u0159it touto formou pen\u00edze a ukl\u00e1dat je do \u00fa\u010dastnick\u00fdch fond\u016f, kter\u00e9 jsou podmno\u017einou n\u011bkolika penzijn\u00edch instituc\u00ed. Na prvn\u00edm m\u00edst\u011b v po\u010dtu klient\u016f je penzijn\u00ed spole\u010dnost \u010cesk\u00e9 spo\u0159itelny, kde si ukl\u00e1d\u00e1 finan\u010dn\u00ed prost\u0159edky v\u00edce ne\u017e dv\u011b st\u011b tis\u00edc lid\u00ed. Klient se p\u0159i z\u0159izov\u00e1n\u00ed dopl\u0148kov\u00e9ho spo\u0159en\u00ed rozhoduje, kolik pen\u011bz zainventovat, a s jak\u00fdm v\u00fdnosem. Plat\u00ed tu p\u0159\u00edm\u00e1 \u00fam\u011bra rizika \u2013 \u010d\u00edm vy\u0161\u0161\u00ed p\u0159\u00edpadn\u00fd v\u00fdnos, t\u00edm je vy\u0161\u0161\u00ed i m\u00edra rizika. Riziko je obecn\u011b ni\u017e\u0161\u00ed v p\u0159\u00edpadech, kdy s dopl\u0148kov\u00fdm spo\u0159en\u00edm za\u010d\u00ednaj\u00ed mlad\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed je\u0161t\u011b \u017eivot p\u0159ed sebou.   Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed Nov\u00e9 dopl\u0148kov\u00e9 spo\u0159en\u00ed je nav\u00edc podporov\u00e1no st\u00e1tem. Jednak je mo\u017en\u00e9 uplatnit slevu na dani p\u0159i pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch platb\u00e1ch nad limitem 3000 K\u010d, tedy konkr\u00e9tn\u011b v\u00fd\u0161i da\u0148ov\u00e9ho z\u00e1kladu, a pak je tu m\u011bs\u00ed\u010dn\u00ed v\u00fd\u0161e st\u00e1tn\u00ed podpory \u010din\u00ed a\u017e 230 K\u010d. Ka\u017ed\u00fd klient m\u016f\u017ee tak\u00e9 zm\u011bnit spole\u010dnost, kam pen\u00edze ukl\u00e1d\u00e1, a t\u00edm p\u00e1dem l\u00e9pe sv\u00e9 \u00faspory zhodnocovat. Zajistit si dopl\u0148kov\u00e9 spo\u0159en\u00ed m\u016f\u017ee tak\u00e9 ka\u017ed\u00fd, kdo ji\u017e st\u0159\u00e1d\u00e1 v klasick\u00e9m syst\u00e9mu penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed. Zaj\u00edmav\u00e9 by bylo hodnotit penzijn\u00ed finan\u010dn\u00ed instituce i z hlediska v\u00fdnos\u016f z dopl\u0148kov\u00e9ho spo\u0159en\u00ed. Nejl\u00e9pe na tom je Conseq, je to mo\u017en\u00e1 d\u00e1no t\u00edm, \u017ee ji vyu\u017e\u00edv\u00e1 m\u00e9n\u011b klient\u016f a t\u00edm m\u00e1 spole\u010dnost vy\u0161\u0161\u00ed manipula\u010dn\u00ed prostor pro zp\u016fsob vy\u0161\u0161\u00edho zhodnocov\u00e1n\u00ed v\u00fdnos\u016f. Velk\u00fd pod\u00edl na \u00fasp\u011bchu m\u00e1 tak\u00e9 jej\u00ed \u00fa\u010dastnick\u00fd akciov\u00fd fond, podle posledn\u00edch anal\u00fdz dosahoval v\u00fdnos\u016f kolem 15 %. Jako druh\u00e1 nej\u00fasp\u011b\u0161n\u011bj\u0161\u00ed se na \u017eeb\u0159\u00ed\u010dku spole\u010dnost\u00ed um\u00edstila NN Penzijn\u00ed spole\u010dnost. Ta je tak\u00e9 men\u0161\u00edm subjektem a podle anal\u00fdz nab\u00edzela za uplynul\u00fd rok 2017 zhodnocen\u00ed investic a\u017e 24 procenty (s pr\u016fm\u011brn\u00fdm zhodnocen\u00edm v\u00edce ne\u017e t\u0159emi procenty). Na t\u0159et\u00edm m\u00edst\u011b, co\u017e nen\u00ed a\u017e tak p\u0159ekvapiv\u00e9, je penzijn\u00ed spole\u010dnost \u010cesk\u00e9 spo\u0159itelny, ta m\u00e1 pr\u016fm\u011brn\u00e9 zhodnocen\u00ed investic 1,25%.                                                                                                                                                                                                                                                                                                                                                                                         4.3\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je garantov\u00e1no st\u00e1tem a o pen\u00edze nep\u0159ijdete","item":"https:\/\/www.spojeno.cz\/penzijni-pripojisteni-je-garantovano-statem-a-o-penize-neprijdete\/#breadcrumbitem"}]}]