[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zmmodel.cz\/myslete-na-financni-zajisteni-v-duchodu\/#Article","mainEntityOfPage":"https:\/\/www.zmmodel.cz\/myslete-na-financni-zajisteni-v-duchodu\/","headline":"Myslete na finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed v d\u016fchodu","name":"Myslete na finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed v d\u016fchodu","description":"Dne\u0161n\u00ed generace mlad\u00fdch lid\u00ed si nedok\u00e1\u017ee nejsp\u00ed\u0161 p\u0159edstavit, \u017ee budou jednou v d\u016fchodu. V\u017edy\u0165 te\u010f jsou p\u0159eci mlad\u00ed, pln\u00ed s\u00edly a d\u016fchod je v nedohlednu. Ale toto obdob\u00ed mo\u017en\u00e1 p\u0159ijde d\u0159\u00edv, ne\u017e si mysl\u00edte. Jenom\u017ee jak to bude s pen\u011bzi? D\u016fchodci spol\u00e9haj\u00ed zejm\u00e9na na st\u00e1t, \u017ee se o n\u011b postar\u00e1. Ale mlad\u00ed lid\u00e9 u\u017e na […]","datePublished":"2025-10-07","dateModified":"2025-10-07","author":{"@type":"Person","@id":"https:\/\/www.zmmodel.cz\/author\/#Person","name":"","url":"https:\/\/www.zmmodel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cae764794acc12213aa530e21558ed2bd96c03f91e0c3ad21cc1905765be658?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zmmodel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zmmodel.cz\/wp-content\/uploads\/stephen-dawson-qwtCeJ5cLYs-unsplash_4.jpg","url":"https:\/\/www.zmmodel.cz\/wp-content\/uploads\/stephen-dawson-qwtCeJ5cLYs-unsplash_4.jpg","height":0,"width":0},"url":"https:\/\/www.zmmodel.cz\/myslete-na-financni-zajisteni-v-duchodu\/","about":["Podnik\u00e1n\u00ed"],"wordCount":404,"articleBody":"         Dne\u0161n\u00ed generace mlad\u00fdch lid\u00ed si nedok\u00e1\u017ee nejsp\u00ed\u0161 p\u0159edstavit, \u017ee budou jednou v d\u016fchodu. V\u017edy\u0165 te\u010f jsou p\u0159eci mlad\u00ed, pln\u00ed s\u00edly a d\u016fchod je v nedohlednu. Ale toto obdob\u00ed mo\u017en\u00e1 p\u0159ijde d\u0159\u00edv, ne\u017e si mysl\u00edte. Jenom\u017ee jak to bude s pen\u011bzi? D\u016fchodci spol\u00e9haj\u00ed zejm\u00e9na na st\u00e1t, \u017ee se o n\u011b postar\u00e1. Ale mlad\u00ed lid\u00e9 u\u017e na st\u00e1t spol\u00e9hat nem\u016f\u017eou. D\u016fchod funguje na principu, \u017ee si po cel\u00e9 roky pr\u00e1ce odv\u00e1d\u00edme soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed. T\u00edm z\u00edsk\u00e1v\u00e1me n\u00e1rok, aby n\u00e1m byl po dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku vypl\u00e1cen starobn\u00ed d\u016fchod. Ale d\u016fchodov\u00fd syst\u00e9m v dne\u0161n\u00ed podob\u011b je do budoucna neudr\u017eiteln\u00fd.Na\u0161e populace st\u00e1rne, lid\u00e9 se do\u017e\u00edvaj\u00ed vy\u0161\u0161\u00edho v\u011bku a z\u00e1rove\u0148 se rod\u00ed m\u00e9n\u011b d\u011bt\u00ed, kte\u0159\u00ed by pracovali a odv\u00e1d\u011bli dan\u011b. Re\u00e1ln\u011b tedy hroz\u00ed, \u017ee na d\u016fchody nebude odkud br\u00e1t. M\u011bli bychom tedy myslet na to, abychom si zajistili n\u011bjak\u00e9 pen\u00edze na st\u00e1\u0159\u00ed sami. K tomu se t\u0159eba nab\u00edz\u00ed penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. Jenom\u017ee tam jsou v\u00fdd\u011blky tak mal\u00e9, \u017ee v\u00e1m zdaleka nepokryj\u00ed v\u00fd\u0161i inflace. Je to jednoduch\u00fd zp\u016fsob, ale ne tak efektivn\u00ed. Daleko v\u00edce efektivn\u00ed jsou investice. Jak investovat pen\u00edze? Z\u00e1le\u017e\u00ed na to, jak moc jste v t\u00e9to oblasti zb\u011bhl\u00fd. Jestli chcete investovat po vlastn\u00ed ose, m\u00edt investi\u010dn\u00edho poradce, vyu\u017e\u00edt ji\u017e sestaven\u00fdch portfoli\u00ed a podobn\u011b. A tak\u00e9 vybrat, do \u010deho chcete investovat. Kam investovat pen\u00edze je d\u016fle\u017eit\u00e1 ot\u00e1zka. Existuj\u00ed toti\u017e stovky mo\u017enost\u00ed, kam m\u016f\u017eete pen\u00edze investovat. Do nemovitost\u00ed, do zlata, do um\u011bn\u00ed…nebo do akci\u00ed, pod\u00edlov\u00fdch fond\u016f, dluhopis\u016f a tak d\u00e1le. Investov\u00e1n\u00ed do akci\u00ed je velmi obl\u00edben\u00e9. A jedn\u00e1 se o jednu z nejv\u00fdd\u011ble\u010dn\u011bj\u0161\u00edch investic, pokud se samoz\u0159ejm\u011b investuje spr\u00e1vn\u011b. Investov\u00e1n\u00ed do akci\u00ed znamen\u00e1, \u017ee si ve firm\u011b, kterou si vyberete, kupujete pod\u00edly. T\u00edm se stanete spoluvlastn\u00edkem dan\u00e9 spole\u010dnosti. Pokud se bude firm\u011b da\u0159it a hodnota va\u0161\u00ed akcie vzroste, m\u016f\u017eete ji pak prodat a vyd\u011blat v\u00edce, ne\u017e jste za ni utratili.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Myslete na finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed v d\u016fchodu","item":"https:\/\/www.zmmodel.cz\/myslete-na-financni-zajisteni-v-duchodu\/#breadcrumbitem"}]}]