[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sunna.cz\/proc-maji-dnes-lide-mnohem-vetsi-starost-o-penize\/#Article","mainEntityOfPage":"https:\/\/www.sunna.cz\/proc-maji-dnes-lide-mnohem-vetsi-starost-o-penize\/","headline":"Pro\u010d maj\u00ed dnes lid\u00e9 mnohem v\u011bt\u0161\u00ed starost o pen\u00edze","name":"Pro\u010d maj\u00ed dnes lid\u00e9 mnohem v\u011bt\u0161\u00ed starost o pen\u00edze","description":"Je pom\u011brn\u011b smutn\u00fdm faktem, \u017ee bez pen\u011bz zkr\u00e1tka nem\u016f\u017eeme b\u00fdt, […]","datePublished":"2023-08-28","dateModified":"2023-08-28","author":{"@type":"Person","@id":"https:\/\/www.sunna.cz\/author\/#Person","name":"","url":"https:\/\/www.sunna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/664d9cd24f58d4d0b526991e1fec4656a216f6db124bbd66c69ade0e846d4f16?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sunna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sunna.cz\/wp-content\/uploads\/duchod2_6.jpg","url":"https:\/\/www.sunna.cz\/wp-content\/uploads\/duchod2_6.jpg","height":0,"width":0},"url":"https:\/\/www.sunna.cz\/proc-maji-dnes-lide-mnohem-vetsi-starost-o-penize\/","about":["Finance"],"wordCount":445,"articleBody":"Je pom\u011brn\u011b smutn\u00fdm faktem, \u017ee bez pen\u011bz zkr\u00e1tka nem\u016f\u017eeme b\u00fdt, a to v\u00a0\u017e\u00e1dn\u00e9m v\u011bku. Pr\u00e1v\u011b za n\u011b si kupujeme bez nads\u00e1zky v\u0161e, co k\u00a0\u017eivotu pot\u0159ebujeme. Ot\u00e1zkou v\u0161ak je, jak jich z\u00edskat dostatek. Pro \u010dlov\u011bka v\u00a0produktivn\u00edm v\u011bku to nen\u00ed takov\u00fd probl\u00e9m, ale co a\u017e p\u016fjdeme do penze? V\u00a0tom okam\u017eiku se n\u00e1m p\u0159\u00edjem drasticky sn\u00ed\u017e\u00ed, co\u017e n\u00e1s dnes tr\u00e1p\u00ed podstatn\u011b v\u00edce, ne\u017e kdy d\u0159\u00edv, a to z\u00a0dobr\u00fdch d\u016fvod\u016f.\u00a0\u00a0T\u00edm prvn\u00edm je samoz\u0159ejm\u011b n\u00e1r\u016fst inflace. O tom, \u017ee platy i d\u016fchody rostou mnohem pomaleji, ne\u017e ceny se v\u0161eobecn\u011b v\u00ed. Znamen\u00e1 to, \u017ee si za \u010d\u00e1stku, kterou budeme jako d\u016fchodci pob\u00edrat, koup\u00edme mnohem m\u00e9n\u011b. A to m\u016f\u017ee b\u00fdt probl\u00e9m, nebo\u0165 n\u011bkte\u0159\u00ed lid\u00e9 se t\u00edm ocitnou na hranici chudoby. Je tedy jasn\u00e9, \u017ee s\u00a0t\u00edm je nutn\u00e9 n\u011bco d\u011blat.\u00a0Dal\u0161\u00edm faktorem je neudr\u017eitelnost na\u0161eho pr\u016fb\u011b\u017en\u00e9ho d\u016fchodov\u00e9ho syst\u00e9mu. Ten je nastaven tak, \u017ee p\u0159i sou\u010dasn\u00e9m v\u011bkov\u00e9m rozlo\u017een\u00ed populace zkr\u00e1tka nem\u016f\u017ee dlouhodob\u011b fungovat, ani\u017e by jej st\u00e1t dotoval ze sv\u00e9ho rozpo\u010dtu. To v\u0161ak nen\u00ed dost dob\u0159e mo\u017en\u00e9 v\u00a0sou\u010dasn\u00e9 situaci, kdy je jeho schodek v\u00a0podstat\u011b rekordn\u00ed. To znamen\u00e1, \u017ee d\u016fchodci dostanou podstatn\u011b m\u00e9n\u011b.\u00a0\u00a0Je tedy jasn\u00e9, \u017ee je nutn\u00e9 s\u00a0t\u00edm n\u011bco d\u011blat. Proto tak\u00e9 byla spu\u0161t\u011bna kampa\u0148, kter\u00e1 nab\u00e1d\u00e1 p\u0159edev\u0161\u00edm mlad\u00e9 lidi, aby si sami \u0161et\u0159ili na penzi. Zat\u00edmco d\u0159\u00edve toti\u017e platilo, \u017ee se postar\u00e1 st\u00e1t, dnes tomu tak nen\u00ed. Je pot\u0159eba, aby se \u010dlov\u011bk postaral s\u00e1m o sebe. A na\u0161t\u011bst\u00ed m\u00e1me mnoho zp\u016fsob\u016f, jak sv\u00e9 pen\u00edze pasivn\u011b rozmno\u017eovat, od investic p\u0159es spo\u0159\u00edc\u00ed \u00fa\u010dty \u010di d\u016fchodov\u00e9 spo\u0159en\u00ed.\u00a0I to v\u0161ak p\u0159in\u00e1\u0161\u00ed ur\u010dit\u00e9 probl\u00e9my, p\u0159edev\u0161\u00edm pak pro ty, kte\u0159\u00ed \u017eij\u00ed \u201eod v\u00fdplaty k\u00a0v\u00fdplat\u011b\u201c a nemaj\u00ed \u017e\u00e1dn\u00e9 pen\u00edze, kter\u00e9 by mohli d\u00e1t stranou. K\u00a0tomu nav\u00edc m\u016f\u017eeme p\u0159idat i to, \u017ee finan\u010dn\u00ed gramotnost u n\u00e1s nen\u00ed zrovna velk\u00e1, a vid\u00edme, \u017ee situace je v\u00e1\u017en\u011bj\u0161\u00ed, ne\u017e by se mohlo zd\u00e1t. Bohu\u017eel, vypad\u00e1 to, \u017ee za p\u00e1r des\u00edtek let bude mnoho d\u016fchodc\u016f skute\u010dn\u011b \u017eivo\u0159it. Tedy alespo\u0148 pokud se n\u011bco radik\u00e1ln\u011b nezm\u011bn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d maj\u00ed dnes lid\u00e9 mnohem v\u011bt\u0161\u00ed starost o pen\u00edze","item":"https:\/\/www.sunna.cz\/proc-maji-dnes-lide-mnohem-vetsi-starost-o-penize\/#breadcrumbitem"}]}]