[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.203.cz\/proc-prubezny-duchodovy-system-fungoval-a-nyni-uz-ne\/#Article","mainEntityOfPage":"https:\/\/www.203.cz\/proc-prubezny-duchodovy-system-fungoval-a-nyni-uz-ne\/","headline":"Pro\u010d pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m fungoval (a nyn\u00ed u\u017e ne)","name":"Pro\u010d pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m fungoval (a nyn\u00ed u\u017e ne)","description":"Asi ka\u017ed\u00fd z\u00a0n\u00e1s chce pro\u017e\u00edt d\u016fchod v\u00a0bezpe\u010d\u00ed a m\u00edt p\u0159edev\u0161\u00edm dostatek pen\u011bz. Ov\u0161em tyto pen\u00edze je pot\u0159eba n\u011bkde vz\u00edt. Jedn\u00e1 se o probl\u00e9m, kter\u00fd ka\u017ed\u00e1 zem\u011b \u0159e\u0161\u00ed po sv\u00e9m. N\u011bkde dost\u00e1vaj\u00ed penzist\u00e9…","datePublished":"2023-12-30","dateModified":"2024-01-31","author":{"@type":"Person","@id":"https:\/\/www.203.cz\/author\/#Person","name":"","url":"https:\/\/www.203.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"203.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.203.cz\/wp-content\/uploads\/art482590_3x2_20260926_225412_J5vT6Q.jpg","url":"https:\/\/www.203.cz\/wp-content\/uploads\/art482590_3x2_20260926_225412_J5vT6Q.jpg","height":0,"width":0},"url":"https:\/\/www.203.cz\/proc-prubezny-duchodovy-system-fungoval-a-nyni-uz-ne\/","about":["Ekonomika"],"wordCount":454,"articleBody":"\tAsi ka\u017ed\u00fd z\u00a0n\u00e1s chce pro\u017e\u00edt d\u016fchod v\u00a0bezpe\u010d\u00ed a m\u00edt p\u0159edev\u0161\u00edm dostatek pen\u011bz. Ov\u0161em tyto pen\u00edze je pot\u0159eba n\u011bkde vz\u00edt. Jedn\u00e1 se o probl\u00e9m, kter\u00fd ka\u017ed\u00e1 zem\u011b \u0159e\u0161\u00ed po sv\u00e9m. N\u011bkde dost\u00e1vaj\u00ed penzist\u00e9 d\u016fchod od st\u00e1tu, jinde si na n\u011bj mus\u00ed vyd\u011blat sami b\u011bhem sv\u00e9ho pracovn\u00edho \u017eivota. V\u00a0na\u0161\u00ed zemi m\u00e1me takzvan\u00fd pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m, a to ji\u017e od konce druh\u00e9 sv\u011btov\u00e9 v\u00e1lky. Jen m\u00e1lokdo v\u0161ak p\u0159esn\u011b v\u00ed, jak tento syst\u00e9m funguje.\tJak ji\u017e n\u00e1zev napov\u00edd\u00e1, nen\u00ed to navzdory p\u0159esv\u011bd\u010den\u00ed mnoha tak, \u017ee by si odv\u00e1d\u011bn\u00edm soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed lid\u00e9 \u0161et\u0159ili na penzi. Kdy\u017e si spo\u010d\u00edt\u00e1me, kolik vlastn\u011b odvedeme, uvid\u00edme, \u017ee by to na d\u016fchod, kter\u00fd dost\u00e1v\u00e1me, ani zdaleka nesta\u010dilo. Jak tedy soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed funguje?\tJednodu\u0161e \u0159e\u010deno, z\u00a0pen\u011bz, kter\u00e9 lid\u00e9 odvedou na soci\u00e1ln\u00edm poji\u0161t\u011bn\u00ed, se plat\u00ed d\u016fchody sou\u010dasn\u00fdm d\u016fchodc\u016fm. To nebyl probl\u00e9m v\u00a0dob\u011b, kdy byl tento syst\u00e9m zaveden. Ov\u0161em probl\u00e9m je v\u00a0tom, \u017ee populace st\u00e1rne, a dnes ji\u017e m\u00e1me v\u00edce d\u016fchodc\u016f ne\u017e pracuj\u00edc\u00edch. A je jasn\u00e9, jak\u00e9 pot\u00ed\u017ee to m\u016f\u017ee p\u0159edstavovat.\tJi\u017e dnes je tedy jasn\u00e9, \u017ee pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m nem\u016f\u017ee z\u00a0dlouhodob\u00e9ho hlediska fungovat. K\u00a0jeho rozpadnut\u00ed sta\u010d\u00ed jen to, aby se pon\u011bkud zm\u011bnila demografie populace ve prosp\u011bch star\u0161\u00ed generace, co\u017e se pr\u00e1v\u011b te\u010f d\u011bje. Co tedy m\u016f\u017eeme d\u011blat, aby lid\u00e9, kte\u0159\u00ed jsou dnes mlad\u00ed, m\u011bli ve st\u00e1\u0159\u00ed v\u016fbec co j\u00edst?\t\tJe zde hned n\u011bkolik \u0159e\u0161en\u00ed. T\u00edm asi nejsamoz\u0159ejm\u011bj\u0161\u00edm by bylo m\u00edt mnoho d\u011bt\u00ed, aby se demografie populace zase zm\u011bnila v\u00a0jejich prosp\u011bch. Zde je v\u0161ak probl\u00e9m, \u017ee by bylo pot\u0159eba st\u00e1le rostouc\u00ed populace, aby bylo mo\u017en\u00e9 tento syst\u00e9m udr\u017eet, co\u017e rozhodn\u011b nen\u00ed ide\u00e1ln\u00ed. P\u0159eci jen, zdroje nejsou nevy\u010derpateln\u00e9.\tDal\u0161\u00edm \u0159e\u0161en\u00edm by mohla b\u00fdt d\u016fchodov\u00e1 reforma. To je v\u0161ak n\u011bco, co si \u017e\u00e1dn\u00e1 vl\u00e1da nedovol\u00ed, pokud se chce udr\u017eet u moci. N\u011bco takov\u00e9ho toti\u017e nen\u00ed v\u016fbec snadn\u00e9 lidem vysv\u011btlit. Nezbude tedy nic jin\u00e9ho, ne\u017e aby si lid\u00e9 \u0161et\u0159ili na penzi sami. Jen tak budou m\u00edt jistotu, \u017ee budou skute\u010dn\u011b m\u00edt pen\u00edze.                                                                                                                                                                                                                                                                                                                                                                                                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