[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mpzp.cz\/tri-pilire-duchodoveho-systemu\/#Article","mainEntityOfPage":"https:\/\/www.mpzp.cz\/tri-pilire-duchodoveho-systemu\/","headline":"T\u0159i pil\u00ed\u0159e d\u016fchodov\u00e9ho syst\u00e9mu","name":"T\u0159i pil\u00ed\u0159e d\u016fchodov\u00e9ho syst\u00e9mu","description":"Je to u\u017e n\u011bjak\u00e1 chv\u00edle, co vl\u00e1da p\u0159edstavila d\u016fchodovou reformu, kterou se sna\u017e\u00ed bojovat s\u00a0nedostatkem pen\u011bz v\u00a0d\u016fchodov\u00e9m syst\u00e9mu. Ten je d\u00e1n pom\u011brn\u011b logickou situac\u00ed \u2013 obyvatelstvo st\u00e1rne, co\u017e zp\u016fsobuje \u010d\u00edm d\u00e1l t\u00edm vy\u0161\u0161\u00ed n\u00e1klady, kter\u00e9 s\u00a0sebou p\u0159in\u00e1\u0161\u00ed nutnost zabezpe\u010den\u00ed \u010d\u00edm d\u00e1l t\u00edm vy\u0161\u0161\u00edho po\u010dtu lid\u00ed v\u00a0d\u016fchodov\u00e9m v\u011bku. Vzhledem k\u00a0tomu, \u017ee p\u0159ed zmi\u0148ovanou reformou fungoval cel\u00fd […]","datePublished":"2023-05-24","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.mpzp.cz\/author\/#Person","name":"","url":"https:\/\/www.mpzp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mpzp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mpzp.cz\/wp-content\/uploads\/img_a322139_w1980_t1533629985.jpg","url":"https:\/\/www.mpzp.cz\/wp-content\/uploads\/img_a322139_w1980_t1533629985.jpg","height":0,"width":0},"url":"https:\/\/www.mpzp.cz\/tri-pilire-duchodoveho-systemu\/","wordCount":513,"articleBody":"Je to u\u017e n\u011bjak\u00e1 chv\u00edle, co vl\u00e1da p\u0159edstavila d\u016fchodovou reformu, kterou se sna\u017e\u00ed bojovat s\u00a0nedostatkem pen\u011bz v\u00a0d\u016fchodov\u00e9m syst\u00e9mu. Ten je d\u00e1n pom\u011brn\u011b logickou situac\u00ed \u2013 obyvatelstvo st\u00e1rne, co\u017e zp\u016fsobuje \u010d\u00edm d\u00e1l t\u00edm vy\u0161\u0161\u00ed n\u00e1klady, kter\u00e9 s\u00a0sebou p\u0159in\u00e1\u0161\u00ed nutnost zabezpe\u010den\u00ed \u010d\u00edm d\u00e1l t\u00edm vy\u0161\u0161\u00edho po\u010dtu lid\u00ed v\u00a0d\u016fchodov\u00e9m v\u011bku. Vzhledem k\u00a0tomu, \u017ee p\u0159ed zmi\u0148ovanou reformou fungoval cel\u00fd syst\u00e9m na tak zvan\u00e9m pr\u016fb\u011b\u017en\u00e9m principu (to, co je v\u00a0dan\u00e9m m\u011bs\u00edci str\u017eeno a odvedeno lidmi v\u00a0produktivn\u00edm v\u011bku, bylo rovnou vyplaceno na d\u016fchodech), nebylo mo\u017en\u00e9 dlouhodob\u011b udr\u017eet jeho fungov\u00e1n\u00ed. Poj\u010fme si nyn\u00ed p\u0159ibl\u00ed\u017eit nov\u011b vznikl\u00fd pil\u00ed\u0159ov\u00fd syst\u00e9m a uk\u00e1zat si, kter\u00e9 varianty m\u00e1te k\u00a0dispozici pro zabezpe\u010den\u00ed finan\u010dn\u00edch prost\u0159edk\u016f pro Va\u0161i budoucnost.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Prvn\u00ed pil\u00ed\u0159Pod pojmem prvn\u00ed pil\u00ed\u0159 se skr\u00fdv\u00e1 p\u016fvodn\u00ed syst\u00e9m vypl\u00e1cen\u00ed d\u016fchod\u016f \u2013 lid\u00e9, kte\u0159\u00ed v\u00a0produktivn\u00edm v\u011bku odv\u00e1d\u011bli ze sv\u00e9 v\u00fdplaty ur\u010ditou \u010d\u00e1st, a t\u00edm jim bylo garantov\u00e1no, \u017ee ve st\u00e1\u0159\u00ed budou dost\u00e1vat starobn\u00ed d\u016fchod. Jak ji\u017e bylo zm\u00edn\u011bno, tato \u010d\u00e1st funguje na pr\u016fb\u011b\u017en\u00e9m p\u0159\u00edtoku a odtoku pen\u011bz \u2013 proto je pravd\u011bpodobn\u00e9, \u017ee se d\u016fchody budou s\u00a0po\u010dtem lid\u00ed, kter\u00e9 je pob\u00edraj\u00ed, neust\u00e1le klesat.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Druh\u00fd pil\u00ed\u0159V\u00a0t\u00e9to \u010d\u00e1sti nov\u00e9ho d\u016fchodov\u00e9ho syst\u00e9mu se sna\u017e\u00ed st\u00e1t motivovat pracuj\u00edc\u00ed, aby si \u0161et\u0159ili na d\u016fchod v\u00edce a proto nebyli z\u00e1visl\u00ed pouze na pen\u011bz\u00edch, kter\u00e9 jim budou vyplaceny z\u00a0prvn\u00edho pil\u00ed\u0159e. My\u0161lenka stoj\u00edc\u00ed za druh\u00fdm pil\u00ed\u0159em je velmi jednoduch\u00e1 \u2013 zam\u011bstnanec i zam\u011bstnavatel \u0161et\u0159\u00ed \u010d\u00e1st odvod\u016f p\u0159\u00edmo na d\u016fchod dan\u00e9ho \u010dlov\u011bka neboli \u010d\u00e1st finan\u010dn\u00edch prost\u0159edk\u016f je vy\u0148ata z\u00a0pr\u016fb\u011b\u017en\u00e9ho syst\u00e9mu a nejde tedy na platby aktu\u00e1ln\u00edm d\u016fchodc\u016fm. V\u00a0p\u0159\u00edpad\u011b zam\u011bstnance bylo stanoveno, \u017ee do druh\u00e9ho pil\u00ed\u0159e p\u0159isp\u00edv\u00e1 dv\u011bma procenty ze sv\u00e9 mzdy; zam\u011bstnavatel se v\u00a0tomto p\u0159\u00edpad\u011b pod\u00edl\u00ed platbou dal\u0161\u00edch t\u0159ech procent ze mzdy zam\u011bstnance.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u0159et\u00ed pil\u00ed\u0159T\u0159et\u00edm pil\u00ed\u0159em d\u016fchodov\u00e9ho syst\u00e9mu je tzv. dopl\u0148kov\u00e9 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Jedn\u00e1 se o velmi obl\u00edben\u00fd zam\u011bstnaneck\u00fd benefit, kter\u00fd funguje na principu p\u0159\u00edsp\u011bvk\u016f ze strany zam\u011bstnance, zam\u011bstnavatele i st\u00e1tu. Na rozd\u00edl od druh\u00e9ho pil\u00ed\u0159e mohou b\u00fdt pen\u00edze vybr\u00e1ny i d\u0159\u00edve ne\u017e v\u00a0d\u016fchodov\u00e9m v\u011bku, av\u0161ak v\u00a0tomto p\u0159\u00edpad\u011b je nutn\u00e9 po\u010d\u00edtat s\u00a0dodan\u011bn\u00edm zam\u011bstnavatelsk\u00fdch p\u0159\u00edsp\u011bvk\u016f patn\u00e1ctiprocentn\u00ed sr\u00e1\u017ekovou dan\u00ed a sebr\u00e1n\u00edm ve\u0161ker\u00fdch p\u0159\u00edsp\u011bvk\u016f st\u00e1tu.                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"T\u0159i pil\u00ed\u0159e d\u016fchodov\u00e9ho syst\u00e9mu","item":"https:\/\/www.mpzp.cz\/tri-pilire-duchodoveho-systemu\/#breadcrumbitem"}]}]