[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.haltrava.cz\/myslete-na-budoucnost-svych-deti\/#Article","mainEntityOfPage":"https:\/\/www.haltrava.cz\/myslete-na-budoucnost-svych-deti\/","headline":"Myslete na budoucnost sv\u00fdch d\u011bt\u00ed!","name":"Myslete na budoucnost sv\u00fdch d\u011bt\u00ed!","description":"S velkou jistotou lze \u0159\u00edci, \u017ee nikdo z n\u00e1s mlad\u0161\u00edch ro\u010dn\u00edk\u016f nebude m\u00edt ji\u017e \u017e\u00e1dn\u00fd d\u016fchod. Samoz\u0159ejm\u011b st\u00e1t se m\u016f\u017ee cokoli. Co tedy ale budou d\u011blat pak na\u0161e d\u011bti? Myslete na n\u011b a zamyslete se nad t\u00edm, zda by nebylo t\u0159eba rozumn\u00e9 zajistit i pro va\u0161e d\u011bti tak zvan\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, kde budou m\u00edt...","datePublished":"2025-03-05","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.haltrava.cz\/author\/#Person","name":"haltrava.cz\n","url":"https:\/\/www.haltrava.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"haltrava.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.haltrava.cz\/wp-content\/uploads\/img_a287929_w1753_t1498491566.jpg","url":"https:\/\/www.haltrava.cz\/wp-content\/uploads\/img_a287929_w1753_t1498491566.jpg","height":0,"width":0},"url":"https:\/\/www.haltrava.cz\/myslete-na-budoucnost-svych-deti\/","about":["Finance"],"wordCount":448,"articleBody":"S velkou jistotou lze \u0159\u00edci, \u017ee nikdo z n\u00e1s mlad\u0161\u00edch ro\u010dn\u00edk\u016f nebude m\u00edt ji\u017e \u017e\u00e1dn\u00fd d\u016fchod. Samoz\u0159ejm\u011b st\u00e1t se m\u016f\u017ee cokoli. Co tedy ale budou d\u011blat pak na\u0161e d\u011bti? Myslete na n\u011b a zamyslete se nad t\u00edm, zda by nebylo t\u0159eba rozumn\u00e9 zajistit i pro va\u0161e d\u011bti tak zvan\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, kde budou m\u00edt va\u0161e d\u011bti schovan\u00e9 pen\u00edze na d\u016fchod.V \u010cesk\u00e9 republice za\u010dalo b\u00fdt toto spo\u0159en\u00ed velmi obl\u00edbenou variantou spo\u0159en\u00ed pro d\u011bti. Podle dostupn\u00fdch zdroj\u016f bylo za rok 2016, tedy za prvn\u00ed rok vypu\u0161t\u011bn\u00ed tohoto produktu na trh, uzav\u0159eno celkem p\u0159es dvan\u00e1ct tis\u00edc smluv. Za prvn\u00ed \u010dtvrtlet\u00ed leto\u0161n\u00edho roku bylo pak uzav\u0159eno kolem \u0161estn\u00e1cti tis\u00edc takov\u00fdch smluv. Pr\u016fm\u011brn\u00fd v\u011bk d\u011bt\u00ed, pro kter\u00e9 se zakl\u00e1d\u00e1 tato varianta penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed, je osm let.T\u011bmto d\u011btem bude umo\u017en\u011bno p\u0159i dosa\u017een\u00ed plnoletosti vybrat si jednu t\u0159etinu naspo\u0159en\u00fdch financ\u00ed. To v\u0161ak pouze v p\u0159\u00edpad\u011b, \u017ee v moment\u011b, kdy jim je 18 let, existuje tato smlouva ji\u017e 10 let. V\u0161echno v r\u00e1mci tohoto v\u00fdb\u011bru je velmi nev\u00fdhodn\u00e9, tak\u017ee se tato varianta nedoporu\u010duje, proto\u017ee takov\u00fd \u010dlov\u011bk p\u0159ijde o pom\u011brn\u011b velkou \u010d\u00e1st finan\u010dn\u00edho p\u0159\u00edsp\u011bvku od st\u00e1tu a celkov\u011b jde tento v\u00fdb\u011br proti dlouhodob\u00e9mu konceptu tohoto p\u0159ipoji\u0161t\u011bn\u00ed. Nem\u011blo by tedy b\u00fdt na tento druh poji\u0161t\u011bn\u00ed hled\u011bno jako na spo\u0159en\u00ed na \u0161koln\u00e9 \u010di nov\u00e9 bydlen\u00ed pro plnolet\u00e9ho \u010dlov\u011bka, ale opravdu jako na pen\u00edze, kter\u00e9 n\u00e1m usnadn\u00ed \u017eivot v penzi.V tuto chv\u00edli je v\u0161ak ve h\u0159e, \u017ee odebr\u00e1n\u00ed pom\u011brn\u00e9 \u010d\u00e1sti p\u0159\u00edsp\u011bvku p\u0159i v\u00fdb\u011bru t\u00e9 dan\u00e9 jedn\u00e9 t\u0159etiny v osmn\u00e1cti letech poji\u0161t\u011bn\u00e9ho, nebude existovat. Z\u00e1konod\u00e1rci \u00fadajn\u011b p\u0159ipravuj\u00ed novelu, na kterou v\u0161ak maj\u00ed dost \u010dasu, vzhledem k tomu, \u017ee produkt existuje jeden rok. Zb\u00fdv\u00e1 jim tedy je\u0161t\u011b dal\u0161\u00edch dev\u011bt let na dal\u0161\u00ed \u00fapravy, a tak se d\u00e1 o\u010dek\u00e1vat, \u017ee na slibovanou zm\u011bnu v\u016fbec nedojde a nam\u00edsto toho dojde sp\u00ed\u0161e na dal\u0161\u00ed znev\u00fdhodn\u011bn\u00ed v\u00fdb\u011br. Ale to je ji\u017e ot\u00e1zkou budoucnosti.V ka\u017ed\u00e9m p\u0159\u00edpad\u011b uvid\u00edme a budeme na d\u016fchody na\u0161ich d\u011bt\u00ed ur\u010dit\u011b ji\u017e nyn\u00ed myslet.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Myslete na budoucnost sv\u00fdch d\u011bt\u00ed!","item":"https:\/\/www.haltrava.cz\/myslete-na-budoucnost-svych-deti\/#breadcrumbitem"}]}]