[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.travena.cz\/penzijni-pripojisteni-i-kdyz-je-do-duchodu-daleko\/#Article","mainEntityOfPage":"https:\/\/www.travena.cz\/penzijni-pripojisteni-i-kdyz-je-do-duchodu-daleko\/","headline":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, i kdy\u017e je do d\u016fchodu daleko","name":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, i kdy\u017e je do d\u016fchodu daleko","description":"Asi nejsem jedin\u00e1, komu zam\u011bstnavatel nab\u00eddl p\u0159\u00edsp\u011bvek na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. U n\u00e1s to funguje tak, \u017ee kdy\u017e si j\u00e1 ulo\u017e\u00edm 500 K\u010d, zam\u011bstnavatel mi po\u0161le tak\u00e9 500 K\u010d. Pro v\u011bt\u0161inu... P\u0159e\u010d\u00edst<\/a>","datePublished":"2019-11-26","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.travena.cz\/author\/#Person","name":"","url":"https:\/\/www.travena.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/591310831c6f562dead2685065c7bfb166baf64da6e0332ad9d0a2e9c6c14446?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/591310831c6f562dead2685065c7bfb166baf64da6e0332ad9d0a2e9c6c14446?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"travena.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.travena.cz\/wp-content\/uploads\/img_a359352_w3884_t1573369671.jpg","url":"https:\/\/www.travena.cz\/wp-content\/uploads\/img_a359352_w3884_t1573369671.jpg","height":0,"width":0},"url":"https:\/\/www.travena.cz\/penzijni-pripojisteni-i-kdyz-je-do-duchodu-daleko\/","about":["Finance"],"wordCount":518,"articleBody":"Asi nejsem jedin\u00e1, komu zam\u011bstnavatel nab\u00eddl p\u0159\u00edsp\u011bvek na penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. U n\u00e1s to funguje tak, \u017ee kdy\u017e si j\u00e1 ulo\u017e\u00edm 500 K\u010d, zam\u011bstnavatel mi po\u0161le tak\u00e9 500 K\u010d. Pro v\u011bt\u0161inu pracuj\u00edc\u00edch v \u010desk\u00e9m st\u00e1t\u011b, je 500 K\u010d po\u0159\u00e1d dost pen\u011bz, o kter\u00e9 je \u0161koda p\u0159ij\u00edt. Pustila jsem se tedy do studia a zji\u0161\u0165ovala, jak vlastn\u011b cel\u00e9 to penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed funguje.Tento p\u0159\u00edsp\u011bvek se skl\u00e1d\u00e1 z 3 \u010d\u00e1st\u00ed:1.       \u010d\u00e1stka od V\u00e1s2.       \u010d\u00e1stka od zam\u011bstnavatele3.       \u010d\u00e1stka od st\u00e1tuKolik si chcete spo\u0159it je \u010dist\u011b na V\u00e1s. Kolik V\u00e1m p\u0159id\u00e1 zam\u011bstnavatel je tak\u00e9 individu\u00e1ln\u00ed, setkala jsem se s t\u00edm, \u017ee zam\u011bstnanec d\u00e1 300 K\u010d a zam\u011bstnavatel 700 K\u010d, co\u017e je hodn\u011b \u0161t\u011bdr\u00e9. N\u011bkte\u0159\u00ed zam\u011bstnavatel\u00e9 vklady sv\u00fdch zam\u011bstnanc\u016f zdvojn\u00e1sobuj\u00ed. A\u0165 tak \u010di tak, v\u00fd\u0161e p\u0159\u00edsp\u011bvku od st\u00e1tu je z\u00e1visl\u00e1 na v\u00fd\u0161i sou\u010dtu prvn\u00edch dvou \u010d\u00e1stek, podm\u00ednky a v\u00fd\u0161ky st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f tu v\u0161ak rozeb\u00edrat nebudu, proto\u017ee to pro n\u00e1s nen\u00ed relevantn\u00ed.Pro na\u0161e \u00fa\u010dely je d\u016fle\u017eit\u00e9 zjistit, kdy nejd\u0159\u00edve m\u016f\u017eeme pojistnou smlouvu zru\u0161it a sv\u00e9 vklady vybrat bez pokuty \u010di sankce. N\u011bkter\u00e9 spole\u010dnosti maj\u00ed minim\u00e1ln\u00ed lh\u016ftu 3 roky, ale n\u011bkter\u00e9 i 5. Ob\u010das b\u00fdvaj\u00ed i r\u016fzn\u00e9 akce pro nov\u00e9 klienty, tak\u017ee se vyplat\u00ed prostudovat v\u0161echny nab\u00eddky, spole\u010dnost\u00ed, kter\u00e9 toto p\u0159ipoji\u0161t\u011bn\u00ed nab\u00edz\u00ed je opravdu hodn\u011b.V re\u00e1lu to pak vypad\u00e1 tak, \u017ee na penzijn\u00ed \u00fa\u010det chod\u00ed p\u0159\u00edsp\u011bvek od V\u00e1s a zam\u011bstnavatele a kdy\u017e m\u00e1te n\u00e1rok, tak i od st\u00e1tu. Pokud se v\u0161ak rozhodnete \u00fa\u010det zru\u0161it a nast\u0159\u00e1dan\u00e9 prost\u0159edky vybrat, p\u0159\u00edsp\u011bvek od st\u00e1tu V\u00e1m strhnou, co\u017e je samoz\u0159ejmost, je to p\u0159eci jen p\u0159\u00edsp\u011bvek na penzi, ale po\u0159\u00e1d V\u00e1m z\u016fstanou Va\u0161e vklady a p\u0159\u00edsp\u011bvek zam\u011bstnavatele. Ze zbyl\u00e9 \u010d\u00e1stky je pot\u0159eba uhradit je\u0161t\u011b 15% da\u0148 z p\u0159\u00edjmu, kterou V\u00e1m takt\u00e9\u017e strhnou automaticky. Z n\u011bjak\u00e9ho d\u016fvodu se m\u016f\u017ee st\u00e1t, \u017ee nebudete moci dodr\u017eet lh\u016ftu 3 nebo 5 lety trv\u00e1n\u00ed smlouvy a budete se pot\u0159ebovat dostat k pen\u011bz\u016fm \u010dast\u011bji, za to V\u00e1m m\u016f\u017ee b\u00fdt \u00fa\u010dtov\u00e1na smluvn\u00ed pokuta, kter\u00e1 se m\u016f\u017ee u jednotliv\u00fdch spole\u010dnost\u00ed li\u0161it, ale vid\u011bla jsem \u010d\u00e1stky mezi 700–1500 K\u010d. Suma sum\u00e1rum se n\u00e1m vyplat\u00ed “penzijko“ uzav\u0159\u00edt i s t\u00edm \u00famyslem, \u017ee ho za p\u00e1r let zru\u0161\u00edme, proto\u017ee vyd\u011bl\u00e1me na p\u0159\u00edsp\u011bvku od zam\u011bstnavatele, na kter\u00fd bychom jinak nedos\u00e1hli. 4.3\/5 - (10 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, i kdy\u017e je do d\u016fchodu daleko","item":"https:\/\/www.travena.cz\/penzijni-pripojisteni-i-kdyz-je-do-duchodu-daleko\/#breadcrumbitem"}]}]