[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bebeo.cz\/az-duchod-zavola\/#Article","mainEntityOfPage":"https:\/\/www.bebeo.cz\/az-duchod-zavola\/","headline":"A\u017e d\u016fchod zavol\u00e1","name":"A\u017e d\u016fchod zavol\u00e1","description":"Aby se n\u00e1m nestalo, \u017ee odchodem do d\u016fchodu spadneme na dno finan\u010dn\u00edho rozpo\u010dtu, je t\u0159eba myslet na opat\u0159en\u00ed v\u00a0tomto smyslu,…","datePublished":"2023-04-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.bebeo.cz\/author\/#Person","name":"bebeo.cz\n","url":"https:\/\/www.bebeo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bebeo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.bebeo.cz\/az-duchod-zavola\/","about":["Pen\u00edze"],"wordCount":423,"articleBody":"Aby se n\u00e1m nestalo, \u017ee odchodem do d\u016fchodu spadneme na dno finan\u010dn\u00edho rozpo\u010dtu, je t\u0159eba myslet na opat\u0159en\u00ed v\u00a0tomto smyslu, u\u017e kdy\u017e se d\u00edt\u011b narod\u00ed. Asi se to mnoh\u00fdm z\u00a0v\u00e1s zd\u00e1 p\u0159ed\u010dasn\u00e9, ale je tomu opravdu tak.Dnes je mnoho finan\u010dn\u00edch produkt\u016f, kter\u00e9 m\u016f\u017eeme zalo\u017eit ji\u017e ve chv\u00edli, kdy p\u0159ijde \u010dlov\u00ed\u010dek na sv\u011bt. Spo\u0159\u00ed za n\u011bho p\u0159\u00edbuzn\u00ed do doby, ne\u017e si bude moci vyd\u011bl\u00e1vat a spo\u0159it si s\u00e1m. Velkou v\u00fdhodou takov\u00e9ho spo\u0159en\u00ed je finan\u010dn\u00ed dotace od st\u00e1tu. Vklad je tak trvale zhodnocov\u00e1n, a tud\u00ed\u017e nepodl\u00e9h\u00e1 mo\u017en\u00e9 inflaci.N\u011bkter\u00e9 produkty maj\u00ed i dal\u0161\u00ed v\u00fdhody, kdy pen\u00edze nejsou pln\u011b zav\u00e1z\u00e1ny a\u017e do 60 let, ale lze je \u010d\u00e1ste\u010dn\u011b vyzvednout v\u00a018 letech d\u00edt\u011bte. Tato v\u00fdhoda pom\u016f\u017ee hlavn\u011b d\u011btem, kter\u00e9 pot\u0159ebuj\u00ed financovat studium a takov\u00e9 pen\u00edze jim pak p\u0159ijdou n\u00e1ramn\u011b vhod.\u00a0\u00a0\u00a0\u00a0 Pokud d\u00edt\u011b uchov\u00e1 a d\u00e1le spo\u0159\u00ed na sv\u016fj produkt do 60 let, bude pak jeho odchod do d\u016fchodu pon\u011bkud pohodln\u011bj\u0161\u00ed. Nebude to skok, kdy se rodina propadne nejm\u00e9n\u011b o polovinu p\u0159\u00edjmu. Naopak, d\u00e1 se pravideln\u011b z\u00a0t\u011bchto \u00faspor \u010derpat a tak si p\u0159\u00edjem v\u00a0d\u016fchodu dorovnat. N\u011bkdo zas d\u00e1 p\u0159ednost jednor\u00e1zov\u00e9 \u00fatrat\u011b prost\u0159edk\u016f za koupi nemovitosti pro \u00fa\u010dely klidn\u00e9ho st\u00e1\u0159\u00ed nebo umo\u017en\u00ed senior\u016fm naopak st\u00e1\u0159\u00ed aktivn\u00ed, pln\u00e9 z\u00e1\u017eitk\u016f a cestov\u00e1n\u00ed.\u00a0\u00a0\u00a0\u00a0 Zopakujme si tedy v\u00fdhody penzijn\u00edho spo\u0159en\u00ed1\/ trvale zhodnocovan\u00e9 finance \u2013 p\u0159\u00edsp\u011bvek st\u00e1tu2\/ mo\u017enost spo\u0159it i mal\u00e9 \u010d\u00e1stky3\/ mo\u017enost spo\u0159it i za nezletil\u00e9 d\u00edt\u011b4\/mo\u017enost vyzvednout \u010d\u00e1st financ\u00ed ji\u017e v\u00a018 letech nebo dle smlouvy5\/jistota p\u0159ilep\u0161en\u00ed v\u00a0seniorsk\u00e9m v\u011bku6\/ v\u011bt\u0161ina produkt\u016f dovoluje i zastavit spo\u0159en\u00ed na ur\u010dit\u00e9 obdob\u00ed nebo zm\u011bnit spo\u0159\u00edc\u00ed \u010d\u00e1stku dle situace jednotlivceZ\u00e1v\u011brem lze \u0159\u00edci, \u017ee dne\u0161n\u00ed mal\u00e1 \u010d\u00e1stka, kterou m\u011bs\u00ed\u010dn\u011b odlo\u017e\u00edme, n\u00e1m ud\u011bl\u00e1 pozd\u011bji mnoho radosti a dovol\u00ed n\u00e1m aktivn\u00ed a p\u0159\u00edjemn\u011bj\u0161\u00ed st\u00e1\u0159\u00ed. A takto by m\u011bl uva\u017eovat ka\u017ed\u00fd z\u00a0n\u00e1s. Za d\u011bti mus\u00edme jednat my, dosp\u011bl\u00ed, dosp\u011bl\u00ed u\u017e pak mus\u00ed sami v\u011bd\u011bt, co bude jejich st\u00e1\u0159\u00ed pot\u0159ebovat. Je jen t\u0159eba uva\u017eovat a jednat v\u010das.                                                                                                                                                                                                                                                                                                                                                                                        3.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"A\u017e d\u016fchod zavol\u00e1","item":"https:\/\/www.bebeo.cz\/az-duchod-zavola\/#breadcrumbitem"}]}]