{"id":843,"date":"2024-01-02T21:21:34","date_gmt":"2024-01-02T20:21:34","guid":{"rendered":"https:\/\/focus24.cz\/?p=843"},"modified":"2024-01-02T21:22:30","modified_gmt":"2024-01-02T20:22:30","slug":"jak-se-pripravit-na-duchod-kdyz-jste-zacali-pozde","status":"publish","type":"post","link":"https:\/\/focus24.cz\/?p=843","title":{"rendered":"Jak se p\u0159ipravit na d\u016fchod, kdy\u017e jste za\u010dali pozd\u011b"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">V\u011bt\u0161ina lid\u00ed si p\u0159edstavuje d\u016fchod jako klidn\u00e9 obdob\u00ed pln\u00e9 odpo\u010dinku a realizace sn\u016f. Ale co kdy\u017e jste se dote\u010f p\u0159\u00edprav\u011b na d\u016fchod nev\u011bnovali? M\u016f\u017eete b\u00fdt v klidu, u\u010din\u011bn\u00edm spr\u00e1vn\u00fdch krok\u016f a pl\u00e1nov\u00e1n\u00edm m\u016f\u017eete dos\u00e1hnout finan\u010dn\u00ed stability a klidn\u00e9ho \u017eivota v pozd\u011bj\u0161\u00edm v\u011bku. Za\u010dn\u011bte je\u0161t\u011b dnes a p\u0159ipravte si cestu k pohodln\u00e9mu d\u016fchodu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je pot\u0159eba ud\u011blat pro bezstarostn\u00fd d\u016fchod?<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Za\u010d\u00edt byte mohli tak, \u017ee si stanov\u00edte sv\u00e9 c\u00edle. Ur\u010dete si, kolik pen\u011bz budete na d\u016fchod pot\u0159ebovat a kolik \u010dasu m\u00e1te na spo\u0159en\u00ed. I kdy\u017e jste za\u010dali pozd\u011bji, definov\u00e1n\u00ed re\u00e1ln\u00fdch c\u00edl\u016f a pl\u00e1nov\u00e1n\u00ed m\u016f\u017ee ud\u011blat obrovsk\u00fd rozd\u00edl.<\/li>\n\n\n\n<li>V tomto kroku z\u00e1le\u017e\u00ed hodn\u011b na va\u0161\u00ed profesi, ale spousta lid\u00ed si vyb\u00edr\u00e1 pracovn\u00ed mo\u017enosti i po dosa\u017een\u00ed ofici\u00e1ln\u00edho d\u016fchodov\u00e9ho v\u011bku. M\u016f\u017eete zv\u00e1\u017eit pr\u00e1ci na \u010d\u00e1ste\u010dn\u00fd \u00favazek nebo vyzkou\u0161et \u00fapln\u011b jin\u00fd klidn\u011bj\u0161\u00ed obor, kde se m\u016f\u017eete dostate\u010dn\u011b realizovat i v pozd\u011bj\u0161\u00edm v\u011bku.<\/li>\n\n\n\n<li>D\u016fle\u017eitou roli st\u00e1le m\u016f\u017eou hr\u00e1t investice a spo\u0159en\u00ed. Vyu\u017eijte mo\u017enosti spo\u0159en\u00ed do penzijn\u00edho fondu nebo do jin\u00fdch investi\u010dn\u00edch n\u00e1stroj\u016f, kter\u00e9 v\u00e1m mohou v dlouhodob\u00e9m horizontu zajistit r\u016fst va\u0161ich financ\u00ed.<\/li>\n\n\n\n<li>Starat se o zdrav\u00ed a sna\u017eit se o zdrav\u00fd \u017eivotn\u00ed styl se d\u00e1 v ka\u017ed\u00e9m v\u011bku. Tato p\u00e9\u010de v\u00e1m zajist\u00ed nejen to, \u017ee se budete c\u00edtit st\u00e1le pln\u00ed el\u00e1nu i v d\u016fchodu, ale tak\u00e9 ni\u017e\u0161\u00ed n\u00e1klady na l\u00e9ka\u0159skou p\u00e9\u010di v pozd\u011bj\u0161\u00edm v\u011bku.<\/li>\n\n\n\n<li>Nikdy nen\u00ed od v\u011bci po\u017e\u00e1dat o radu odborn\u00edka. Finan\u010dn\u00ed poradce nebo jin\u00fd expert z oblasti financ\u00ed v\u00e1m m\u016f\u017ee poskytnout cenn\u00e9 rady a pomoct v\u00e1m vytvo\u0159it strategii pro pozdn\u00ed p\u0159\u00edpravu na d\u016fchod.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Odklad d\u016fchodu, jak\u00e9 jsou v\u00fdhody a jak\u00e1 jsou \u00faskal\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00ed mo\u017enost\u00ed, jak si zajistit lep\u0161\u00ed d\u016fchod, je odklad odchodu do penze. Tento krok m\u00e1 \u0159adu v\u00fdhod i nev\u00fdhod, kter\u00e9 je d\u016fle\u017eit\u00e9 p\u0159i sv\u00e9m pl\u00e1nov\u00e1n\u00ed zv\u00e1\u017eit. Ka\u017ed\u00e1 situace je individu\u00e1ln\u00ed a takov\u00e9 rozhodnut\u00ed byste m\u011bli pe\u010dliv\u011b promyslet a zhodnotit v\u00edce faktor\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hlavn\u00ed v\u00fdhodou odkladu jsou vy\u0161\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed d\u016fchodov\u00e9 p\u0159\u00edjmy. Ka\u017ed\u00fd rok, kdy neza\u010dnete pob\u00edrat d\u016fchod, m\u016f\u017ee p\u0159edstavovat vy\u0161\u0161\u00ed \u010d\u00e1stku, kterou budete dost\u00e1vat, a to a\u017e do konce \u017eivota. Dal\u0161\u00edm plusem je mo\u017enost pokra\u010dovat ve spo\u0159en\u00ed nebo investov\u00e1n\u00ed, co\u017e m\u016f\u017ee v\u00e9st k vy\u0161\u0161\u00edm \u00faspor\u00e1m a k poskytnut\u00ed v\u011bt\u0161\u00ed finan\u010dn\u00ed stability v d\u016fchodov\u00e9m v\u011bku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkte\u0159\u00ed zam\u011bstnavatel\u00e9 nab\u00edzej\u00ed ur\u010dit\u00e9 bonusy za dlouhodobou pracovn\u00ed historii, tak\u017ee pokud se na to c\u00edt\u00edte a v pr\u00e1ci jste r\u00e1di, m\u016f\u017ee to b\u00fdt dobr\u00fd d\u016fvod pro odklad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na druhou stranu je d\u016fle\u017eit\u00e9 se pod\u00edvat i na nev\u00fdhody spojen\u00e9 s pozd\u011bj\u0161\u00edm odchodem do d\u016fchodu. Pokud se vyskytnou zdravotn\u00ed probl\u00e9my nebo omezen\u00ed, m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 pokra\u010dovat d\u00e1le ve sv\u00e9 pr\u00e1ci. To by mohlo znamenat i nutnost odej\u00edt do d\u016fchodu d\u0159\u00edve, ne\u017e jste pl\u00e1novali.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00edm negativn\u00edm faktem je nejistota ohledn\u011b \u017eivotn\u00edho o\u010dek\u00e1v\u00e1n\u00ed. Nikdo nedok\u00e1\u017ee p\u0159edv\u00eddat d\u00e9lku sv\u00e9ho \u017eivota. Odklad d\u016fchodu tak m\u016f\u017ee znamenat, \u017ee se v\u00e1m zkr\u00e1t\u00ed dostate\u010dn\u00e9 u\u017e\u00edv\u00e1n\u00ed si z d\u016fchodov\u00fdch p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Odkladem d\u016fchodu se tak\u00e9 m\u016f\u017eete ochudit o p\u0159\u00edle\u017eitost na plnohodnotn\u00fd \u017eivot v penzi, kter\u00fd byste si mohli u\u017e\u00edt, pokud byste se rozhodli odej\u00edt do d\u016fchodu d\u0159\u00edve. Pokra\u010dov\u00e1n\u00ed v pr\u00e1ci ve vy\u0161\u0161\u00edm v\u011bku m\u016f\u017ee tak\u00e9 znamenat vy\u0161\u0161\u00ed stres, co\u017e m\u016f\u017ee negativn\u011b ovlivnit kvalitu \u017eivota.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nab\u00edz\u00ed se v\u0161aki jin\u00e9 mo\u017enosti, jak se postarat o ur\u010dit\u00fd p\u0159\u00edjem nav\u00edc.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zp\u016fsoby, jak si zajistit pasivn\u00ed p\u0159\u00edjem v d\u016fchodu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00edlem mnoha lid\u00ed je z\u00edskat dostate\u010dn\u00fd pasivn\u00ed p\u0159\u00edjem a zajistit si tak finan\u010dn\u00ed stabilitu i po ukon\u010den\u00ed aktivn\u00ed pracovn\u00ed kari\u00e9ry, nespol\u00e9hat se pouze na p\u0159\u00edjem z d\u016fchodu a moct si dop\u0159\u00e1t cokoliv, co nebylo mo\u017en\u00e9 b\u011bhem pracovn\u00edho \u017eivota. Tady je n\u011bkolik zp\u016fsob\u016f, jak si takov\u00fd pasivn\u00ed p\u0159\u00edjem m\u016f\u017eete obstarat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investov\u00e1n\u00ed do akci\u00ed spole\u010dnost\u00ed, kter\u00e9 pravideln\u011b vypl\u00e1cej\u00ed dividendy, v\u00e1m m\u016f\u017ee poskytnout stabiln\u00ed pasivn\u00ed p\u0159\u00edjem v podob\u011b ro\u010dn\u00edch v\u00fdplat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investovat m\u016f\u017eete tak\u00e9 do nemovitost\u00ed a z\u00edsk\u00e1vat tak ka\u017ed\u00fd m\u011bs\u00edc ur\u010ditou \u010d\u00e1stku nap\u0159\u00edklad z pron\u00e1jmu. Tato mo\u017enost m\u016f\u017ee b\u00fdt v\u00edce n\u00e1kladn\u00e1, a proto se nebojte vyu\u017e\u00edt pomoc, kterou krom\u011b hypot\u00e9ky p\u0159\u00edmo na nemovitost nab\u00edz\u00ed nap\u0159\u00edklad\u00a0<a href=\"https:\/\/razdvapujcka.cz\/pujcka-online\" rel=\"nofollow\"><u>p\u016fj\u010dka online<\/u><\/a>\u00a0na r\u016fzn\u00e9 drobnosti s pronaj\u00edm\u00e1n\u00edm spojen\u00e9.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-1024x682.jpg\" alt=\"\" class=\"wp-image-844\" srcset=\"https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-1024x682.jpg 1024w, https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-300x200.jpg 300w, https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-768x512.jpg 768w, https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-696x464.jpg 696w, https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-1068x712.jpg 1068w, https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1-630x420.jpg 630w, https:\/\/focus24.cz\/wp-content\/uploads\/2024\/01\/jaksepripravitnaduchodkdyzjstezacalipozde1.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e1le&nbsp;existuj\u00ed platformy, kde m\u016f\u017eete bezpe\u010dn\u011b p\u016fj\u010dovat sv\u00e9 pen\u00edze&nbsp;druh\u00fdm lidem, kte\u0159\u00ed se necht\u011bj\u00ed upsat bank\u00e1m,&nbsp;a z\u00edskat tak finance z \u00farok\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016f\u017eete tak\u00e9 vyu\u017e\u00edt sv\u00fdch vlastn\u00edch pracovn\u00edch zku\u0161enost\u00ed a nechat je zhodnotit prost\u0159ednictv\u00edm vytvo\u0159en\u00ed online kurzu, \u0161kolen\u00ed,&nbsp;nebo&nbsp;n\u00e1vod\u016f, kter\u00e9 budou dostupn\u00e9 na platform\u00e1ch pro vzd\u011bl\u00e1v\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je nutn\u00e9 si uv\u011bdomit, \u017ee generov\u00e1n\u00ed pasivn\u00edho p\u0159\u00edjmu vy\u017eaduje \u010das a \u00fasil\u00ed. P\u0159edt\u00edm, ne\u017e se rozhodnete pro n\u011bkterou z t\u011bchto mo\u017enost\u00ed, je d\u016fle\u017eit\u00e9 prov\u00e9st d\u016fkladn\u00fd pr\u016fzkum a pl\u00e1nov\u00e1n\u00ed, aby zvolen\u00e1 strategie byla vhodn\u00e1 pro va\u0161e finan\u010dn\u00ed c\u00edle a mo\u017enosti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Rozpo\u010det pro \u017eivot v penzi<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159izp\u016fsoben\u00ed rozpo\u010dtu pro penzi je kl\u00ed\u010dov\u00e9 pro pl\u00e1nov\u00e1n\u00ed finan\u010dn\u00ed stability a pohodln\u00e9ho \u017eivota i v pozd\u011bj\u0161\u00edch letech. Tyto body byste m\u011bli zohlednit v nov\u00e9m rozpo\u010dtu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ur\u010dete a zahr\u0148te do rozpo\u010dtu z\u00e1kladn\u00ed n\u00e1klady, jakou jsou v\u00fddaje za bydlen\u00ed, stravov\u00e1n\u00ed, pojistn\u00e9 a ostatn\u00ed b\u011b\u017en\u00e9 platby.<\/li>\n\n\n\n<li>Myslete taky&nbsp;na&nbsp;z\u00e1bavu a volno\u010dasov\u00e9 aktivity&nbsp;a&nbsp;zahr\u0148te&nbsp;do rozpo\u010dtu i n\u00e1klady na cestov\u00e1n\u00ed, kon\u00ed\u010dky a dal\u0161\u00ed akce, kter\u00e9 byste si v d\u016fchodu cht\u011bli u\u017e\u00edvat.<\/li>\n\n\n\n<li>I kdy\u017e v\u00e1s moment\u00e1ln\u011b nemus\u00ed nic tr\u00e1pit, zva\u017ete n\u00e1klady na zdravotn\u00ed p\u00e9\u010di, l\u00e9ky a dal\u0161\u00ed souvisej\u00edc\u00ed v\u00fddaje, kter\u00e9 se mohou v d\u016fchodu objevit.<\/li>\n\n\n\n<li>Vy\u010d\u00edslete si tak\u00e9 p\u0159\u00edjmy, kter\u00e9 v tomto obdob\u00ed budete m\u00edt k dispozici, zahr\u0148te zde v\u0161echny zdroje, a\u0165 u\u017e jde o samotn\u00fd d\u016fchod, investice, spo\u0159en\u00ed, soci\u00e1ln\u00ed d\u00e1vky \u010di jin\u00e9 formy p\u0159\u00edjm\u016f.<\/li>\n\n\n\n<li>Nezapom\u00ednejte na inflaci a myslete na to, jak by mohla ovlivnit va\u0161e v\u00fddaje v d\u016fchodu. N\u011bkter\u00e9 n\u00e1klady se mohou v \u010dase zvy\u0161ovat, co\u017e je d\u016fle\u017eit\u00e9 ve sv\u00e9m rozpo\u010dtu zohlednit.<\/li>\n\n\n\n<li>Nouzov\u00fd fond je pot\u0159ebn\u00fd v jak\u00e9mkoliv v\u011bku. I v d\u016fchodu mohou nastat neo\u010dek\u00e1van\u00e9 ud\u00e1losti, a m\u00edt ur\u010ditou rezervu je v\u00fdhodn\u00e9 i v tomto obdob\u00ed.<\/li>\n\n\n\n<li>U ka\u017ed\u00e9ho rozpo\u010dtu je d\u016fle\u017eit\u00e1 pravideln\u00e1 aktualizace, zejm\u00e9na pokud se m\u011bn\u00ed va\u0161e \u017eivotn\u00ed okolnosti nebo finan\u010dn\u00ed situace.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>V\u011bt\u0161ina lid\u00ed si p\u0159edstavuje d\u016fchod jako klidn\u00e9 obdob\u00ed pln\u00e9 odpo\u010dinku a realizace sn\u016f. Ale co kdy\u017e jste se dote\u010f p\u0159\u00edprav\u011b na d\u016fchod nev\u011bnovali? M\u016f\u017eete b\u00fdt v klidu, u\u010din\u011bn\u00edm spr\u00e1vn\u00fdch krok\u016f a pl\u00e1nov\u00e1n\u00edm m\u016f\u017eete dos\u00e1hnout finan\u010dn\u00ed stability a klidn\u00e9ho \u017eivota v pozd\u011bj\u0161\u00edm v\u011bku. Za\u010dn\u011bte je\u0161t\u011b dnes a p\u0159ipravte si cestu k pohodln\u00e9mu d\u016fchodu. Co je pot\u0159eba [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":845,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-843","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/843","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=843"}],"version-history":[{"count":2,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/843\/revisions"}],"predecessor-version":[{"id":847,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/posts\/843\/revisions\/847"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=\/wp\/v2\/media\/845"}],"wp:attachment":[{"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=843"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=843"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/focus24.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=843"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}