S d\u016fchodovou reformou v roce 2013, kter\u00e1 byla v podstat\u011b reakc\u00ed na neust\u00e1le se zvy\u0161uj\u00edc\u00ed dobu do\u017eit\u00ed, a tedy i pom\u011brov\u011b se roz\u0161i\u0159uj\u00edc\u00ed pod\u00edl osob v d\u016fchodov\u00e9m v\u011bku, byly zavedeny t\u0159i pil\u00ed\u0159e, je\u017e m\u011bly ulevit zaveden\u00e9mu penzijn\u00edmu syst\u00e9mu zalo\u017een\u00e9mu na p\u0159edev\u0161\u00edm na st\u00e1tn\u00edm rozpo\u010dtu a odvodech v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch osob. S t\u00edmto krokem vznikly tak\u00e9 nov\u00e9 produkty dobrovoln\u00e9ho spo\u0159ic\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 je dnes nab\u00edzeno \u0159adou poskytovatel\u016f. T\u0159et\u00edm pil\u00ed\u0159em penze se stalo tzv. penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, je\u017e je mo\u017en\u00e9 si z\u0159\u00eddit, jakmile se stanete v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdm (\u010di dos\u00e1hnete po\u017eadovan\u00e9ho v\u011bku 18 let) a vyzna\u010duje se v\u00fdraznou st\u00e1tn\u00ed podporou. Uzav\u0159en\u00ed penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed m\u00e1 sv\u00e1 pravidla stanoven\u00e1 legislativou, v \u010dem jsou tedy jeho v\u00fdhody a nev\u00fdhody.<\/p>\n\n\n\n
Spo\u0159en\u00ed na penzi prost\u0159ednictv\u00edm tohoto produktu je velmi v\u00fdhodn\u00e9 zejm\u00e9na z dlouhodob\u00e9ho hlediska. Ka\u017ed\u00e9 osob\u011b, kter\u00e1 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed uzav\u0159e, je vytvo\u0159en individu\u00e1ln\u00ed \u00fa\u010det, na kter\u00fd m\u016f\u017ee pos\u00edlat r\u016fznou sjednanou m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku (omezenou minim\u00e1ln\u00ed hodnotou vkladu 100 K\u010d). K t\u00e9to \u010d\u00e1stce je n\u00e1sledn\u011b p\u0159ipo\u010dten st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek<\/strong>, jeho\u017e v\u00fd\u0161e se odv\u00edj\u00ed od v\u00fd\u0161e vkladu. Na p\u0159\u00edsp\u011bvek z\u00edsk\u00e1v\u00e1 poji\u0161t\u011bn\u00fd n\u00e1rok v p\u0159\u00edpad\u011b, \u017ee m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 je vy\u0161\u0161\u00ed ne\u017e 300 K\u010d<\/strong>, na nejvy\u0161\u0161\u00ed p\u0159\u00edsp\u011bvek lze dos\u00e1hnout p\u0159i \u010d\u00e1stce 1000 K\u010d. Krom\u011b st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku je penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed zv\u00fdhodn\u011bn\u00e9 tak\u00e9 mo\u017enost\u00ed odpo\u010dtu od da\u0148ov\u00e9ho z\u00e1kladu, nav\u00edc \u0159ada zam\u011bstnavatel\u016f v dne\u0161n\u00ed dob\u011b nab\u00edz\u00ed jako benefit (do stanoven\u00e9 v\u00fd\u0161e. Smlouvy o penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed jsou uzav\u00edr\u00e1ny na dobu ur\u010ditou, ji\u017e tvo\u0159\u00ed nej\u010dast\u011bji p\u0159edpokl\u00e1dan\u00fd n\u00e1stup do penze.<\/p>\n\n\n\n Na v\u00fdplatu \u00faspor z penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed z\u00edsk\u00e1v\u00e1 poji\u0161t\u011bn\u00fd n\u00e1rok po uplynut\u00ed lh\u016fty uveden\u00e9 ve smlouv\u011b, kter\u00e1 kon\u010d\u00ed bu\u010f d\u016fchodov\u00fdm v\u011bkem (u b\u011b\u017en\u00e9 penze) nebo jin\u00fdm sjednan\u00fdm term\u00ednem (je\u017e plat\u00ed pro v\u00fdsluhovou penzi). U\u0161et\u0159en\u00e9 prost\u0159edky je mo\u017en\u00e9 samoz\u0159ejm\u011b vybrat tak\u00e9 d\u0159\u00edve zru\u0161en\u00edm \u00fa\u010dtu, co\u017e je v\u0161ak zat\u00ed\u017eeno odkupn\u00edmi podm\u00ednkami, kter\u00e9 celkovou \u010d\u00e1stku na \u00fa\u010dtu sn\u00ed\u017e\u00ed o ve\u0161ker\u00e9 st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky. Pokud se rozhodnete penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed zru\u0161it, je pot\u0159eba tak\u00e9 po\u010d\u00edtat s nov\u00fdm zdan\u011bn\u00edm (odveden\u00edm slev na dani, kter\u00e9 jste v r\u00e1mci p\u0159ipoji\u0161t\u011bn\u00ed z\u00edskali). Nejste-li aktu\u00e1ln\u011b schopni plnit smluvn\u00ed podm\u00ednky (odv\u00e1d\u011bt sjednanou m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku), je mo\u017en\u00e9 je podle pot\u0159eby upravit nebo spo\u0159en\u00ed p\u0159eru\u0161it \u2013 v tomto sm\u011bru je tento produkt velmi flexibiln\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":" S d\u016fchodovou reformou v roce 2013, kter\u00e1 byla v podstat\u011b reakc\u00ed na neust\u00e1le se zvy\u0161uj\u00edc\u00ed dobu do\u017eit\u00ed, a tedy i pom\u011brov\u011b se roz\u0161i\u0159uj\u00edc\u00ed pod\u00edl osob v d\u016fchodov\u00e9m v\u011bku, byly zavedeny t\u0159i pil\u00ed\u0159e, je\u017e m\u011bly ulevit zaveden\u00e9mu penzijn\u00edmu syst\u00e9mu zalo\u017een\u00e9mu na p\u0159edev\u0161\u00edm na st\u00e1tn\u00edm rozpo\u010dtu a odvodech v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdch osob. S t\u00edmto krokem vznikly tak\u00e9 nov\u00e9 produkty dobrovoln\u00e9ho spo\u0159ic\u00edho poji\u0161t\u011bn\u00ed, kter\u00e9 […]<\/p>\n","protected":false},"author":1,"featured_media":259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[9],"tags":[49],"class_list":["post-258","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","tag-penzijni-pripojisteni"],"_links":{"self":[{"href":"https:\/\/iextra.cz\/index.php?rest_route=\/wp\/v2\/posts\/258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iextra.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iextra.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iextra.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iextra.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=258"}],"version-history":[{"count":0,"href":"https:\/\/iextra.cz\/index.php?rest_route=\/wp\/v2\/posts\/258\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iextra.cz\/index.php?rest_route=\/wp\/v2\/media\/259"}],"wp:attachment":[{"href":"https:\/\/iextra.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iextra.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iextra.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Vyplacen\u00ed a odkup penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n