{"id":7501,"date":"2024-02-05T14:03:04","date_gmt":"2024-02-05T14:03:04","guid":{"rendered":"https:\/\/podpora.nuggetsw.cz\/?p=7501"},"modified":"2024-02-05T14:05:31","modified_gmt":"2024-02-05T14:05:31","slug":"zmeny-v-duchodovem-sporeni-od-roku-2024","status":"publish","type":"post","link":"https:\/\/podpora.nuggetsw.cz\/index.php\/2024\/02\/05\/zmeny-v-duchodovem-sporeni-od-roku-2024\/","title":{"rendered":"Zm\u011bny v d\u016fchodov\u00e9m spo\u0159en\u00ed od roku 2024"},"content":{"rendered":"\n<p>\u0160et\u0159\u00edte si s pomoc\u00ed st\u00e1tu na d\u016fchod?&nbsp;<strong>V roce 2024 doch\u00e1z\u00ed k v\u00fdznamn\u00fdm zm\u011bn\u00e1m v penzijn\u00edm spo\u0159en\u00ed.<\/strong>&nbsp;Vl\u00e1da p\u0159ich\u00e1z\u00ed se zv\u00fd\u0161en\u00edm st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku \u010di vy\u0161\u0161\u00edmi da\u0148ov\u00fdmi \u00falevami.<\/p>\n\n\n\n<p>Hlavn\u00edm d\u016fvodem pro nov\u00e9 opat\u0159en\u00ed je motivovat ob\u010dany k&nbsp;vy\u0161\u0161\u00edm vklad\u016fm, kter\u00e9 povedou k&nbsp;lep\u0161\u00ed \u00farovni soukrom\u00e9ho zabezpe\u010den\u00ed v d\u016fchodu. Kl\u00ed\u010dov\u00fdm n\u00e1strojem z&nbsp;hlediska st\u00e1tn\u00ed podpory se st\u00e1v\u00e1 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Hlavn\u00ed zm\u011bny v&nbsp;d\u016fchodov\u00e9m spo\u0159en\u00ed od roku 2024:<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\"><li>Zv\u00fd\u0161en\u00ed minim\u00e1ln\u00ed \u00falo\u017eky pro n\u00e1rok na st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek na 500 K\u010d m\u011bs\u00ed\u010dn\u011b<\/li><li>N\u00e1r\u016fst nejvy\u0161\u0161\u00edho st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku na 340 K\u010d m\u011bs\u00ed\u010dn\u011b<\/li><li>Prodlou\u017een\u00ed minim\u00e1ln\u00ed doby spo\u0159en\u00ed na 10 let<\/li><li>Vy\u0161\u0161\u00ed da\u0148ov\u00e9 \u00falevy \u2013 od z\u00e1kladu dan\u011b p\u016fjde ode\u010d\u00edst a\u017e 48 tis\u00edc K\u010d<\/li><li>Ukon\u010den\u00ed st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku pro osoby pob\u00edraj\u00edc\u00ed starobn\u00ed d\u016fchod<\/li><\/ul>\n\n\n\n<p>Dal\u0161\u00ed zm\u011bnou, kterou rok 2024 p\u0159inese, je mo\u017en\u00fd&nbsp;<strong>soub\u011bh smluv penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed a dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed<\/strong>.<\/p>\n\n\n\n<p>Dal\u0161\u00ed zm\u011bny se t\u00fdkaj\u00ed d\u011btsk\u00fdch smluv. Mlad\u00ed klienti si u penzijn\u00ed spole\u010dnosti d\u00e1le mohou za\u017e\u00e1dat o&nbsp;<strong>\u010d\u00e1ste\u010dn\u00e9 odbytn\u00e9<\/strong>, tedy vyplacen\u00ed \u010d\u00e1sti naspo\u0159en\u00fdch pen\u011bz. Od nov\u00e9ho roku na to z\u00edskaj\u00ed v\u00edce \u010dasu \u2013 24 m\u011bs\u00edc\u016f od dovr\u0161en\u00ed 18 let.<\/p>\n\n\n\n<p><strong>Fyzick\u00e1 osoba (poplatn\u00edk)&nbsp;<\/strong>si m\u016f\u017ee od z\u00e1kladu dan\u011b ode\u010d\u00edst p\u0159\u00edsp\u011bvky na v\u0161echny da\u0148ov\u011b podporovan\u00e9 produkty spo\u0159en\u00ed na st\u00e1\u0159\u00ed a da\u0148ov\u011b podporovan\u00e9 poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de dohromady a\u017e do v\u00fd\u0161e&nbsp;<strong>48 000 K\u010d ro\u010dn\u011b.<\/strong><\/p>\n\n\n\n<p>Od dan\u011b z p\u0159\u00edjm\u016f jsou osvobozeny tak\u00e9&nbsp;<strong>p\u0159\u00edsp\u011bvky<\/strong>, kter\u00e9 zam\u011bstnanci na n\u011bkter\u00fd da\u0148ov\u011b podporovan\u00fd produkt spo\u0159en\u00ed na st\u00e1\u0159\u00ed nebo da\u0148ov\u011b podporovan\u00e9 poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de plat\u00ed&nbsp;<strong>jeho zam\u011bstnavatel,&nbsp;<\/strong>a to op\u011bt dohromady a\u017e do v\u00fd\u0161e&nbsp;<strong>50 000 K\u010d ro\u010dn\u011b.&nbsp;<\/strong><\/p>\n\n\n\n<p>Z\u00e1kon nov\u011b umo\u017en\u00ed penzijn\u00edm spole\u010dnostem vytvo\u0159it tzv.&nbsp;<strong>alternativn\u00ed fond<\/strong>. Jeho prost\u0159ednictv\u00edm mohou lid\u00e9 investovat do oblast\u00ed, kter\u00e9 v r\u00e1mci penzijn\u00edho spo\u0159en\u00ed dosud nebyly dovolen\u00e9. Jedn\u00e1 se nap\u0159\u00edklad o:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>nemovitosti,<\/li><li>kryptom\u011bny,<\/li><li>private equity fondy (fondy soukrom\u00e9ho kapit\u00e1lu),<\/li><li>komoditn\u00ed deriv\u00e1ty,<\/li><li>pr\u00e1va du\u0161evn\u00edho vlastnictv\u00ed,<\/li><li>dopravn\u00ed infrastrukturu.<\/li><\/ul>\n\n\n\n<p>S nabyt\u00edm \u00fa\u010dinnosti novely d\u00e1le&nbsp;<strong>zanik\u00e1 mo\u017enost \u010derpat penzi z \u010d\u00e1sti prost\u0159edk\u016f<\/strong>&nbsp;p\u0159i sou\u010dasn\u00e9m zachov\u00e1n\u00ed aktivn\u00ed smlouvy. M\u011bs\u00ed\u010dn\u00ed v\u00fdplaty se od ledna 2024 poj\u00ed pouze s \u010derp\u00e1n\u00edm v\u0161ech naspo\u0159en\u00fdch prost\u0159edk\u016f.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Vzniknou dva nov\u00e9 produkty spo\u0159en\u00ed na st\u00e1\u0159\u00ed<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\"><li>Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP)<\/li><li>Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/li><\/ol>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Dlouhodob\u00fd investi\u010dn\u00ed produkt<\/strong><\/h5>\n\n\n\n<p>Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP) je souhrnn\u00e9 ozna\u010den\u00ed investi\u010dn\u00edch nebo spo\u0159ic\u00edch produkt\u016f, kter\u00e9 napom\u00e1haj\u00ed zabezpe\u010den\u00ed na st\u00e1\u0159\u00ed a mohou nov\u011b m\u00edt da\u0148ovou podporu.<\/p>\n\n\n\n<p>DIP vznik\u00e1 smlouvou mezi spot\u0159ebitelem a poskytovatelem DIP, ve kter\u00e9 se sjedn\u00e1v\u00e1 DIP. \u017d\u00e1dn\u00e1 st\u00e1vaj\u00edc\u00ed smlouva o investov\u00e1n\u00ed \u010di spo\u0159en\u00ed se automaticky nest\u00e1v\u00e1 DIP. DIP lze sjednat a\u017e od 1. 1. 2024.<\/p>\n\n\n\n<p><strong>Kdo m\u016f\u017ee poskytovat DIP?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>banka<\/li><li>spo\u0159iteln\u00ed a \u00fav\u011brn\u00ed dru\u017estvo<\/li><li>obchodn\u00edk s cenn\u00fdmi pap\u00edry<\/li><li>investi\u010dn\u00ed spole\u010dnost<\/li><li>samospr\u00e1vn\u00fd investi\u010dn\u00ed fond<\/li><li>obdobn\u00e1 zahrani\u010dn\u00ed osoba opr\u00e1vn\u011bn\u00e1 poskytovat sv\u00e9 slu\u017eby v \u010cesk\u00e9 republice<\/li><\/ul>\n\n\n\n<p>Poskytovatel DIP mus\u00ed b\u00fdt zaps\u00e1n v&nbsp;<a href=\"https:\/\/apl.cnb.cz\/apljerrsdad\/JERRS.WEB07.INTRO_PAGE?p_lang=cz\" target=\"_blank\" rel=\"noreferrer noopener\">seznamu poskytovatel\u016f DIP veden\u00e9m \u010ceskou n\u00e1rodn\u00ed bankou<\/a>, jinak mu hroz\u00ed pokuta.<\/p>\n\n\n\n<p><strong>Co m\u016f\u017ee b\u00fdt v DIP?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>pen\u011b\u017en\u00ed prost\u0159edky (prost\u0159edky na spo\u0159ic\u00edm \u00fa\u010dtu, term\u00ednovan\u00fd vklad apod.)<\/li><li>akcie a dluhopisy obchodovan\u00e9 na burze, a to v\u010detn\u011b zahrani\u010dn\u00edch, p\u0159\u00edpadn\u011b st\u00e1tn\u00ed nebo kryt\u00e9 dluhopisy (nap\u0159. hypot\u00e9\u010dn\u00ed z\u00e1stavn\u00ed listy) ze zem\u00ed EU<\/li><li>pod\u00edlov\u00e9 listy<\/li><li>deriv\u00e1ty slou\u017e\u00edc\u00ed k zaji\u0161t\u011bn\u00ed m\u011bnov\u00e9ho nebo \u00farokov\u00e9ho rizika<\/li><\/ul>\n\n\n\n<p><strong>Za jak\u00fdch podm\u00ednek si lze u DIP uplatnit odpo\u010det od z\u00e1kladu dan\u011b?<\/strong><\/p>\n\n\n\n<p>Pro \u010derp\u00e1n\u00ed da\u0148ov\u00e9 podpory mus\u00ed b\u00fdt z\u00e1rove\u0148 spln\u011bny dv\u011b podm\u00ednky, a to \u017ee k v\u00fdb\u011bru prost\u0159edk\u016f z DIP nedojde d\u0159\u00edve ne\u017e po:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>10 letech (tj. 120 m\u011bs\u00edc\u00edch) od vzniku DIP a<\/li><li>dosa\u017een\u00ed 60 let v\u011bku poplatn\u00edka.<\/li><\/ul>\n\n\n\n<p>Za v\u00fdb\u011br prost\u0159edk\u016f z DIP se nepova\u017euje situace, kdy se p\u0159ev\u00e1d\u00ed ve\u0161ker\u00e9 prost\u0159edky ze zru\u0161en\u00e9ho da\u0148ov\u011b podporovan\u00e9ho DIP na jin\u00fd DIP. V ostatn\u00edch p\u0159\u00edpadech poplatn\u00edk o da\u0148ovou v\u00fdhodu p\u0159ich\u00e1z\u00ed a za roky jej\u00edho \u010derp\u00e1n\u00ed ji mus\u00ed vr\u00e1tit (dodanit, a to a\u017e 10 let zp\u011btn\u011b) \u2013 by\u0165 by \u0161lo o v\u00fdb\u011br jedn\u00e9 jedin\u00e9 koruny z DIP.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de<\/strong><\/h5>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de je poji\u0161t\u011bn\u00ed pro&nbsp;<strong>p\u0159\u00edpad bezmocnosti<\/strong>, kter\u00e1 vy\u017eaduje opakuj\u00edc\u00ed se pomoc poji\u0161t\u011bn\u00e9mu od jin\u00e9 osoby p\u0159i zaji\u0161\u0165ov\u00e1n\u00ed alespo\u0148 n\u011bkter\u00fdch jeho z\u00e1kladn\u00edch pot\u0159eb. M\u016f\u017ee j\u00edt o jakoukoli osobu (nap\u0159\u00edklad zdravotn\u00ed sestra \u010di n\u011bkter\u00fd z rodinn\u00fdch p\u0159\u00edslu\u0161n\u00edk\u016f).<\/p>\n\n\n\n<p>Jde o poji\u0161t\u011bn\u00ed, kde pojistnou ud\u00e1lost\u00ed je z\u00e1vislost klienta, kter\u00fd si poji\u0161t\u011bn\u00ed sjednal, nebo jeho osoby bl\u00edzk\u00e9 na pomoci jin\u00e9 osoby z d\u016fvodu dlouhodob\u011b nep\u0159\u00edzniv\u00e9ho zdravotn\u00edho stavu odpov\u00eddaj\u00edc\u00ed stupni z\u00e1vislosti III nebo IV podle z\u00e1kona o soci\u00e1ln\u00edch slu\u017eb\u00e1ch. D\u00e1le m\u016f\u017ee j\u00edt o \u0161kodov\u00e9 poji\u0161t\u011bn\u00ed se sjednan\u00fdm pojistn\u00fdm pln\u011bn\u00edm ve form\u011b poskytnut\u00ed p\u00e9\u010de o pojistn\u00edka po celou dobu jeho z\u00e1vislosti odpov\u00eddaj\u00edc\u00ed stupni z\u00e1vislosti III nebo IV podle z\u00e1kona upravuj\u00edc\u00edho soci\u00e1ln\u00ed slu\u017eby nebo n\u00e1hrady n\u00e1klad\u016f na takovou p\u00e9\u010di.<\/p>\n\n\n\n<p>Pojistn\u00e9 si budou moci lid\u00e9 ode\u010d\u00edst od z\u00e1kladu dan\u011b z p\u0159\u00edjm\u016f a\u017e do \u010d\u00e1stky 48 000 korun ro\u010dn\u011b. Nov\u00fd institut m\u00e1 zajistit v\u00edce zdroj\u016f pen\u011bz pro lidi, kte\u0159\u00ed pot\u0159ebuj\u00ed dlouhodobou p\u00e9\u010di, respektive osobn\u00ed asistenci.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0160et\u0159\u00edte si s pomoc\u00ed st\u00e1tu na d\u016fchod?\u00a0V roce 2024 doch\u00e1z\u00ed k v\u00fdznamn\u00fdm zm\u011bn\u00e1m v penzijn\u00edm spo\u0159en\u00ed.\u00a0Vl\u00e1da p\u0159ich\u00e1z\u00ed se zv\u00fd\u0161en\u00edm st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku \u010di vy\u0161\u0161\u00edmi da\u0148ov\u00fdmi \u00falevami.<br \/>\nHlavn\u00edm d\u016fvodem pro nov\u00e9 opat\u0159en\u00ed je motivovat ob\u010dany k\u00a0vy\u0161\u0161\u00edm vklad\u016fm, kter\u00e9 povedou k\u00a0lep\u0161\u00ed \u00farovni soukrom\u00e9ho zabezpe\u010den\u00ed v d\u016fchodu. Kl\u00ed\u010dov\u00fdm n\u00e1strojem z\u00a0hlediska st\u00e1tn\u00ed podpory se st\u00e1v\u00e1 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[365],"tags":[],"class_list":["post-7501","post","type-post","status-publish","format-standard","hentry","category-clanky"],"_links":{"self":[{"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/posts\/7501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/comments?post=7501"}],"version-history":[{"count":2,"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/posts\/7501\/revisions"}],"predecessor-version":[{"id":7505,"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/posts\/7501\/revisions\/7505"}],"wp:attachment":[{"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/media?parent=7501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/categories?post=7501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/podpora.nuggetsw.cz\/index.php\/wp-json\/wp\/v2\/tags?post=7501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}