{"id":4426,"date":"2022-12-06T13:59:41","date_gmt":"2022-12-06T12:59:41","guid":{"rendered":"https:\/\/www.forexsrovnavac.cz\/mag\/?p=4426"},"modified":"2023-07-22T10:37:15","modified_gmt":"2023-07-22T08:37:15","slug":"jak-funguji-penzijni-fondy-vyplati-se","status":"publish","type":"post","link":"https:\/\/www.forexsrovnavac.cz\/mag\/jak-funguji-penzijni-fondy-vyplati-se\/","title":{"rendered":"Jak funguj\u00ed Penzijn\u00ed fondy: vyplat\u00ed se?"},"content":{"rendered":"

\"\"<\/a>Penzijn\u00ed fondy <\/strong>jsou \u010d\u00edm d\u00e1l t\u00edm popul\u00e1rn\u011bj\u0161\u00edm zp\u016fsobem k investici sv\u00fdch prost\u0159edk\u016f a p\u0159isp\u011bn\u00ed k zaji\u0161t\u011bn\u00ed si pohodln\u00e9ho d\u016fchodu bez nutnosti spol\u00e9h\u00e1n\u00ed se na st\u00e1tn\u00ed zabezpe\u010den\u00ed. Penzijn\u00ed fondy jsou dnes velmi dostupn\u00e9, vkl\u00e1dat pen\u00edze do vlastn\u00edho penzijn\u00edho fondu m\u016f\u017ee ka\u017ed\u00fd \u010dlov\u011bk star\u0161\u00ed 18 let.<\/p>\n

Penzijn\u00ed fondy propojeny se st\u00e1tn\u00edm d\u016fchodov\u00fdm syst\u00e9mem. Krom\u011b samotn\u00e9ho zhodnocen\u00ed vkladu penzijn\u00edm fondem<\/strong> (kter\u00e9 se pohybuje v pr\u016fm\u011bru okolo 4%) tedy m\u00e1te n\u00e1rok i na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky, jejich\u017e v\u00fd\u0161e z\u00e1vis\u00ed na m\u011bs\u00ed\u010dn\u00ed v\u00fd\u0161i p\u0159\u00edsp\u011bvku do penzijn\u00edho fondu.<\/p>\n

V \u010cR je na v\u00fdb\u011br mnoho penzijn\u00edch fond\u016f, kter\u00e9 jsou spravov\u00e1ny velk\u00fdmi finan\u010dn\u00edmi institucemi jako je \u010cSOB, Komer\u010dn\u00ed banka, \u010cesk\u00e1 spo\u0159itelna a jin\u00e9. V jednu chv\u00edli ov\u0161em m\u016f\u017eete vkl\u00e1dat pen\u00edze pouze do jednoho fondu. Na t\u00e9to str\u00e1nce naleznete p\u0159ehled vedouc\u00edch fond\u016f na trhu, spole\u010dn\u011b s \u00fadaji. Penzijn\u00ed fondy a jejich v\u00fdnosy v minulosti jsou i ov\u011b\u0159it. <\/span>Komplexn\u00ed \u00fadaje o stavu penzijn\u00edch fond\u016f v minul\u00fdch letech se nach\u00e1z\u00ed na webov\u00fdch str\u00e1nk\u00e1ch CZSO (\u010cesk\u00fd Statistick\u00fd \u00da\u0159ad).<\/span><\/p>\n

Penzijn\u00ed fondy a princip jejich fungov\u00e1n\u00ed<\/h2>\n
\n

Penzijn\u00ed fond je podobn\u011b jako jin\u00e9 fondy m\u00edsto, kde se shroma\u017e\u010fuj\u00ed finan\u010dn\u00ed prost\u0159edky z r\u016fzn\u00fdch zdroj\u016f. Tyto prost\u0159edky jsou n\u00e1sledn\u011b spravov\u00e1ny a investov\u00e1ny profesion\u00e1ln\u00edmi spr\u00e1vci fondu, kte\u0159\u00ed pat\u0159\u00ed k finan\u010dn\u00edm instituc\u00edm vlastn\u00edc\u00edm dan\u00fd penzijn\u00ed fond. Hlavn\u00edm c\u00edlem je dos\u00e1hnout zhodnocen\u00ed investic.<\/p>\n

Z\u00edskan\u00e9 zhodnocen\u00ed je n\u00e1sledn\u011b rozd\u011bleno mezi \u00fa\u010dastn\u00edky fondu, co\u017e tvo\u0159\u00ed p\u0159ibli\u017en\u011b 80 % z\u00edskan\u00fdch v\u00fdnos\u016f. Zhodnocen\u00ed je vyj\u00e1d\u0159eno jako procento z kapit\u00e1lu, kter\u00fd byl do fondu vlo\u017een, sn\u00ed\u017een\u00e9 o m\u00edru inflace. Existuje n\u011bkolik zp\u016fsob\u016f, jak lze prost\u0159edky ulo\u017eit na \u00fa\u010det penzijn\u00edho fondu.<\/strong><\/p>\n

    \n
  • Va\u0161e osobn\u00ed p\u0159\u00edsp\u011bvky<\/strong> \u2013 obvykle \u00fa\u010dastn\u00edk ka\u017ed\u00fd m\u011bs\u00edc p\u0159isp\u00edv\u00e1 ur\u010ditou \u010d\u00e1stku na sv\u016fj \u00fa\u010det v penzijn\u00edm fondu.<\/li>\n
  • St\u00e1tn\u00ed p\u0159\u00edsp\u011bvky<\/strong> \u2013 st\u00e1t na \u00fa\u010det m\u011bs\u00ed\u010dn\u011b p\u0159id\u00e1 p\u0159\u00edsp\u011bvek<\/li>\n
  • P\u0159\u00edsp\u011bvky zam\u011bstnavatele<\/strong> \u2013 je obvykl\u00e9 \u017ee zam\u011bstnavatel p\u0159isp\u00edv\u00e1 do penzijn\u00edho fondu. Tato varianta je v\u00fdhodn\u011bj\u0161\u00ed ne\u017e p\u0159\u00edm\u00e9 nav\u00fd\u0161en\u00ed platu, jeliko\u017e se z p\u0159\u00edsp\u011bvk\u016f zam\u011bstnavatele do penzijn\u00edho fondu neodv\u00e1d\u00ed ani poji\u0161t\u011bn\u00ed (zdravotn\u00ed a soci\u00e1ln\u00ed), ani da\u0148 z p\u0159\u00edjmu.<\/li>\n
  • P\u0159\u00edsp\u011bvek t\u0159et\u00edch stran<\/strong> \u2013 jin\u00e9 osoby maj\u00ed t\u00e9\u017e mo\u017enost p\u0159isp\u011bt<\/li>\n<\/ul>\n

    Nashrom\u00e1\u017ed\u011bn\u00e9 prost\u0159edky se n\u00e1sledn\u011b investuj\u00ed \u2013 penzijn\u00ed fondy pat\u0159\u00ed k fond\u016fm, kde zhodnocen\u00ed m\u00e1 tendenci b\u00fdt m\u00e9n\u011b riskantn\u00ed, ov\u0161em na \u00fakor v\u00fd\u0161e v\u00fdnosu, kter\u00e9 se pohybuj\u00ed okolo 3% ro\u010dn\u011b. Pro srovn\u00e1n\u00ed, v p\u0159\u00edpad\u011b akciov\u00fdch fond\u016f m\u016f\u017eete dos\u00e1hnout zhodnocen\u00ed a\u017e na hladinu 10% m\u011bs\u00ed\u010dn\u011b \u2013 risk je ov\u0161em vy\u0161\u0161\u00ed ne\u017e u penzijn\u00edch fond\u016f, a tud\u00ed\u017e je lukrativn\u011bj\u0161\u00ed investovat v n\u011bkolikalet\u00fdch horizontech.<\/p>\n

    Co se penzijn\u00edch fond\u016f t\u00fd\u010de, prost\u0159edky jsou investov\u00e1ny do prim\u00e1rn\u011b bezpe\u010dn\u00fdch instrument\u016f, jako jsou dluhopisy. Ka\u017ed\u00fd fond v \u010cR je regulov\u00e1n \u010ceskou N\u00e1rodn\u00ed Bankou (\u010cNB), tud\u00ed\u017e mo\u017enost v\u00fdb\u011br\u016f investic je zna\u010dn\u011b omezena. Na druhou stranu, regulace \u010cNB p\u0159isp\u00edv\u00e1 k jejich stabilit\u011b a p\u016fsob\u00ed jako ochrana p\u0159ed ne\u017e\u00e1dan\u00fdmi v\u00fdsledky fond\u016f.<\/p>\n

    Srovn\u00e1n\u00ed penzijn\u00edch fond\u016f<\/h3>\n
    \n

    V \u010cesk\u00e9 republice funguje n\u011bkolik penzijn\u00edch fond\u016f, av\u0161ak hlavn\u00ed z nich jsou poskytov\u00e1ny n\u00e1sleduj\u00edc\u00edmi finan\u010dn\u00edmi institucemi: ING, \u010cSOB, AXA, \u010cesk\u00e1 poji\u0161\u0165ovna, \u010cesk\u00e1 spo\u0159itelna a Komer\u010dn\u00ed banka. Tyto spole\u010dnosti dominuj\u00ed na trhu a maj\u00ed dohromady zhruba 70% pod\u00edl na penzijn\u00edm fondu. Hled\u00e1te-li v\u00edce informac\u00ed ohledn\u011b konkr\u00e9tn\u00edho penzijn\u00edho fondu<\/strong>,\u00a0 je nutn\u00e9 vyhledat odkazy ofici\u00e1ln\u00edch prezentac\u00ed penzijn\u00edch fond\u016f.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    Penzijn\u00ed fondy jsou \u010d\u00edm d\u00e1l t\u00edm popul\u00e1rn\u011bj\u0161\u00edm zp\u016fsobem k investici sv\u00fdch prost\u0159edk\u016f a p\u0159isp\u011bn\u00ed k zaji\u0161t\u011bn\u00ed si pohodln\u00e9ho d\u016fchodu bez nutnosti spol\u00e9h\u00e1n\u00ed se na st\u00e1tn\u00ed zabezpe\u010den\u00ed. Penzijn\u00ed fondy jsou dnes velmi dostupn\u00e9, vkl\u00e1dat pen\u00edze do vlastn\u00edho penzijn\u00edho fondu m\u016f\u017ee ka\u017ed\u00fd \u010dlov\u011bk star\u0161\u00ed 18 let. Penzijn\u00ed fondy propojeny se st\u00e1tn\u00edm d\u016fchodov\u00fdm syst\u00e9mem. Krom\u011b samotn\u00e9ho zhodnocen\u00ed vkladu […]<\/p>\n","protected":false},"author":1,"featured_media":4428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"K \u010demu jsou Penzijn\u00ed fondy? Vyplat\u00ed se se do nich pravideln\u011b spo\u0159it nebo investovat v\u011bt\u0161\u00ed \u010d\u00e1stky? Z\u00e1kladn\u00ed principy jejich fungov\u00e1n\u00ed","_seopress_robots_index":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[194],"tags":[],"class_list":["post-4426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-akcie"],"modified_by":"Krpensk\u00fd Martin","_links":{"self":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts\/4426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/comments?post=4426"}],"version-history":[{"count":0,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts\/4426\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/media\/4428"}],"wp:attachment":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/media?parent=4426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/categories?post=4426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/tags?post=4426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}