S bl\u00ed\u017e\u00edc\u00edm se p\u0159elomem roku \u0159e\u0161\u00ed mnoho lid\u00ed ot\u00e1zku, zda si nechat p\u0159iznat starobn\u00ed d\u016fchod u\u017e letos, nebo a\u017e v nov\u00e9m roce. Podle d\u016fchodov\u00e9ho poradce Martina Kohoutka se tento rok nebude opakovat v\u00fdjime\u010dn\u00e1 situace z p\u0159elomu let 2022\/2023, kdy spousta lid\u00ed kv\u016fli lep\u0161\u00edmu v\u00fdpo\u010dtu \u201eut\u00edkala\u201c do p\u0159ed\u010dasn\u00e9ho d\u016fchodu. Tentokr\u00e1t je v\u011bt\u0161inou v\u00fdhodn\u011bj\u0161\u00ed odlo\u017eit p\u0159izn\u00e1n\u00ed d\u016fchodu a\u017e na p\u0159\u00ed\u0161t\u00ed rok. M\u011bs\u00ed\u010dn\u00ed penze pak m\u016f\u017ee b\u00fdt o n\u011bkolik stovek a\u017e tis\u00edc korun vy\u0161\u0161\u00ed.<\/p>\n
Tis\u00edce budouc\u00edch d\u016fchodc\u016f se ocitaj\u00ed p\u0159ed rozhodnut\u00edm, zda vyu\u017e\u00edt pro p\u0159izn\u00e1n\u00ed d\u016fchodu podm\u00ednky leto\u0161n\u00edho roku, anebo zvolit datum spadaj\u00edc\u00ed a\u017e do dal\u0161\u00edho roku. I kdy\u017e se m\u016f\u017ee zd\u00e1t, \u017ee t\u0159eba odklad p\u0159izn\u00e1n\u00ed d\u016fchodu o n\u011bkolik t\u00fddn\u016f \u010di m\u011bs\u00edc\u016f z leto\u0161ka na leden nem\u016f\u017ee m\u00edt na v\u00fd\u0161i d\u016fchodu z\u00e1sadn\u00ed vliv, opak je pravdou.<\/p>\n
\u201eP\u0159i v\u00fdpo\u010dtu d\u016fchodu se uplat\u0148uj\u00ed dva parametry, takzvan\u00fd v\u0161eobecn\u00fd vym\u011b\u0159ovac\u00ed z\u00e1klad a p\u0159epo\u010d\u00edtac\u00ed koeficient, kter\u00e9 maj\u00ed zrcadlit postupn\u00fd r\u016fst pr\u016fm\u011brn\u00e9 mzdy v \u010cesku a kter\u00e9 se pro ka\u017ed\u00fd kalend\u00e1\u0159n\u00ed rok m\u011bn\u00ed,\u201c vysv\u011btlil Martin Kohoutek z d\u016fchodov\u00e9 poradny Duchodspravne.cz.<\/p>\n
D\u016fchod\u016f p\u0159iznan\u00fdch do konce roku se z\u00e1hy bude t\u00fdkat pravideln\u00e1 lednov\u00e1 valorizace, p\u0159i n\u00ed\u017e se m\u00e1 pr\u016fm\u011brn\u00fd starobn\u00ed d\u016fchod zv\u00fd\u0161it o 358 korun m\u011bs\u00ed\u010dn\u011b. Na druhou stranu, penze p\u0159iznan\u00e9 v nov\u00e9m roce jsou vypo\u010dteny podle vy\u0161\u0161\u00edch parametr\u016f.<\/p>\n
\u201eD\u016fchody p\u0159iznan\u00e9 do konce leto\u0161n\u00edho roku \u010dek\u00e1 p\u0159i valorizaci zv\u00fd\u0161en\u00ed z\u00e1kladn\u00ed v\u00fdm\u011bry o 260 K\u010d a procentn\u00ed v\u00fdm\u011bry o 0,6 procenta. Zv\u00fd\u0161en\u00ed procentn\u00ed v\u00fdm\u011bry se p\u0159itom net\u00fdk\u00e1 p\u0159ed\u010dasn\u00fdch d\u016fchod\u016f p\u0159iznan\u00fdch po 30. z\u00e1\u0159\u00ed 2023, jejich\u017e po\u017eivatel\u00e9 do konce roku 2024 nedos\u00e1hnou d\u016fchodov\u00e9ho v\u011bku. Pr\u016fm\u011brn\u00e1 mzda pou\u017e\u00edvan\u00e1 pro v\u00fdpo\u010det d\u016fchodu roste mezi roky 2024 a 2025 o necel\u00fdch \u0161est procent,\u201c uvedl Kohoutek.<\/p>\n
Jestli\u017ee tempo r\u016fstu pr\u016fm\u011brn\u00e9 mzdy p\u0159\u00edli\u0161 zaost\u00e1v\u00e1 za inflac\u00ed, m\u016f\u017ee podle n\u011bj valorizace zvr\u00e1tit pom\u011brn\u011b logick\u00e9 pravidlo \u201e\u010d\u00edm pozd\u011bji do d\u016fchodu, t\u00edm vy\u0161\u0161\u00ed d\u016fchod\u201c. \u201eTakov\u00e1 byla i situace na p\u0159elomu let 2022\/2023, kdy se mnoha lidem vyplatilo nechat si p\u0159iznat d\u016fchod u\u017e p\u0159ed koncem roku \u2013 i kdy\u017e ho t\u0159eba re\u00e1ln\u011b je\u0161t\u011b ani neza\u010dali pob\u00edrat. Takov\u00e1 situace se nyn\u00ed neopakuje,\u201c konstatoval Kohoutek.<\/p>\n
Rozd\u00edl v \u0159\u00e1du stovek a\u017e tis\u00edc\u016f korun<\/strong><\/p>\n Srovn\u00e1n\u00ed d\u016fchodu p\u0159iznan\u00e9ho v leto\u0161n\u00edm a p\u0159\u00ed\u0161t\u00edm roce pak ilustroval na n\u011bkolika konkr\u00e9tn\u00edch p\u0159\u00edkladech.<\/p>\n Pan Ji\u0159\u00ed se narodil 9. z\u00e1\u0159\u00ed 1960, cel\u00fd \u017eivot pob\u00edral m\u00edrn\u011b podpr\u016fm\u011brnou mzdu. Pokud si nech\u00e1 p\u0159iznat d\u016fchod k datu \u0159\u00e1dn\u00e9ho n\u00e1roku \u2013 9. listopadu 2024 \u2013, z\u00edsk\u00e1 d\u016fchod ve v\u00fd\u0161i 22 479 K\u010d a ten bude od 1. ledna 2025 valorizov\u00e1n na 22 848 K\u010d.<\/p>\n Kdyby ale pan Ji\u0159\u00ed po\u010dkal a odlo\u017eil p\u0159izn\u00e1n\u00ed d\u016fchodu na 1. ledna 2025, bude rovnou pob\u00edrat je\u0161t\u011b vy\u0161\u0161\u00ed d\u016fchod: 23 800 K\u010d. \u201eVzd\u00e1 se sice necel\u00fdch dvou v\u00fdplat d\u016fchodu, ale to mu vy\u0161\u0161\u00ed d\u016fchod b\u011bhem n\u011bkolika m\u00e1lo let vynahrad\u00ed. Kdyby pan Ji\u0159\u00ed pokra\u010doval v zam\u011bstn\u00e1n\u00ed, p\u0159\u00edpadn\u011b samostatn\u00e9 v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti, mohl by na krat\u0161\u00ed dobu zv\u00e1\u017eit i takzvan\u00e9 p\u0159esluhov\u00e1n\u00ed a s v\u00fdhodou z\u00edskat je\u0161t\u011b o n\u011bco lep\u0161\u00ed d\u016fchod,\u201c zm\u00ednil Kohoutek.<\/p>\n P\u0159idal i dal\u0161\u00ed p\u0159\u00edklad. Pan Bohumil se narodil 5. \u010dervence 1960 a do d\u016fchodu mohl odej\u00edt u\u017e 5. z\u00e1\u0159\u00ed 2024. Jeho celo\u017eivotn\u00ed v\u00fdd\u011blky jsou na \u00farovni 2,5n\u00e1sobku pr\u016fm\u011brn\u00e9 mzdy. Pokud by si nechal p\u0159iznat d\u016fchod k 5. z\u00e1\u0159\u00ed 2024, co\u017e m\u016f\u017ee i zp\u011btn\u011b, dostane d\u016fchod ve v\u00fd\u0161i 35 268 K\u010d.<\/p>\n \u201ePo valorizaci k 1. lednu 2025 by tento d\u016fchod \u010dinil 35 714 K\u010d. Kdyby si ale nechal p\u0159iznat d\u016fchod a\u017e k 1. lednu 2025, z\u00edskal by 37 290 K\u010d. Za dobu odkladu p\u0159izn\u00e1n\u00ed d\u016fchodu z 5. z\u00e1\u0159\u00ed 2024 na 1. leden 2025 by p\u0159i\u0161el o necel\u00e9 \u010dty\u0159i v\u00fdplaty d\u016fchodu. Trvalo by kolem sedmi let, ne\u017e by se mu vr\u00e1tily d\u00edky o n\u011bco vy\u0161\u0161\u00edmu d\u016fchodu p\u0159iznan\u00e9mu k 1. lednu 2025,\u201c spo\u010d\u00edtal Kohoutek.<\/p>\n Kdyby ale pan Bohumil pokra\u010doval v zam\u011bstn\u00e1n\u00ed, d\u016fchod by se mu je\u0161t\u011b zv\u00fd\u0161il v prosinci za p\u0159esluhov\u00e1n\u00ed a finan\u010dn\u00ed n\u00e1vratnost odkladu p\u0159izn\u00e1n\u00ed d\u016fchodu na 1. ledna 2025 by byla zaj\u00edmav\u011bj\u0161\u00ed, doplnil.<\/p>\n Vyplat\u00ed se to i u p\u0159ed\u010dasn\u00e9 penze<\/strong><\/p>\n Pose\u010dk\u00e1n\u00ed s odchodem do penze a\u017e na p\u0159\u00ed\u0161t\u00ed rok se m\u016f\u017ee vyplatit i u p\u0159ed\u010dasn\u00fdch d\u016fchod\u016f. Pan\u00ed Veronika je narozena 20. \u010dervna 1962, vychovala dv\u011b d\u011bti.<\/p>\n Jej\u00ed celo\u017eivotn\u00ed p\u0159\u00edjmy \u010dinily m\u00e9n\u011b ne\u017e polovinu pr\u016fm\u011brn\u00e9 mzdy a 30. listopadu 2024 kon\u010d\u00ed v zam\u011bstn\u00e1n\u00ed. Datum \u0159\u00e1dn\u00e9ho odchodu do d\u016fchodu m\u00e1 a\u017e 20. srpna 2025, ze zdravotn\u00edch d\u016fvod\u016f zva\u017euje p\u0159ed\u010dasn\u00fd d\u016fchod.<\/p>\n D\u016fchod k 1. prosinci 2024, tedy necel\u00fdch 270 dn\u00ed p\u0159ed \u0159\u00e1dn\u00fdm n\u00e1rokem na d\u016fchod, j\u00ed podle v\u00fdpo\u010dtu Kohoutka vych\u00e1z\u00ed na 17 950 K\u010d v\u010detn\u011b v\u00fdchovn\u00e9ho. K 1. lednu 2025 po valorizaci z\u00e1kladn\u00ed v\u00fdm\u011bry bude d\u016fchod \u010dinit 18 210 K\u010d, p\u0159i\u010dem\u017e je t\u0159eba m\u00edt na pam\u011bti, \u017ee valorizace procentn\u00ed v\u00fdm\u011bry u p\u0159ed\u010dasn\u00e9ho d\u016fchodu nen\u00e1le\u017e\u00ed.<\/p>\n \u201ePokud pan\u00ed Veronika po\u010dk\u00e1 s p\u0159izn\u00e1n\u00edm d\u016fchodu a\u017e na 1. leden 2025, bude se j\u00ed p\u0159ed\u010dasn\u00fd d\u016fchod kr\u00e1tit po\u0159\u00e1d stejn\u011b (o 4,5 % z v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu za t\u0159i za\u010dat\u00e1 90denn\u00ed obdob\u00ed zb\u00fdvaj\u00edc\u00ed do \u0159\u00e1dn\u00e9ho n\u00e1roku), ale d\u00edky lep\u0161\u00edmu v\u00fdpo\u010dtu roku 2025 bude d\u016fchod o n\u011bkolik set korun vy\u0161\u0161\u00ed \u2013 18 943 K\u010d,\u201c uvedl Kohoutek.<\/p>\n Zd\u016fraznil, \u017ee p\u0159i pl\u00e1nov\u00e1n\u00ed odchodu do d\u016fchodu je z\u00e1sadn\u00ed vz\u00edt v potaz i ukon\u010den\u00e9 roky poji\u0161t\u011bn\u00ed, kter\u00e9 p\u0159\u00edmo ovliv\u0148uj\u00ed v\u00fd\u0161i d\u016fchodu. Po\u010d\u00edtaj\u00ed se ov\u0161em jen cel\u00e9 roky. Pokud \u010dlov\u011bk z\u00edsk\u00e1 nap\u0159\u00edklad 42 let a 344 dn\u016f doby poji\u0161t\u011bn\u00ed, bude se mu po\u010d\u00edtat pouze 42 let. Pak sta\u010d\u00ed odlo\u017eit p\u0159izn\u00e1n\u00ed d\u016fchodu o n\u011bkolik t\u00fddn\u016f a d\u016fchod bude vy\u0161\u0161\u00ed.<\/p>\n \u201ePokra\u010duje-li \u010dlov\u011bk ve v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti po dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku, je zase v\u00fdhodn\u00e9 si pohl\u00eddat jednotliv\u00e1 90denn\u00ed obdob\u00ed p\u0159esluhov\u00e1n\u00ed. U p\u0159ed\u010dasn\u00fdch d\u016fchod\u016f zase m\u016f\u017ee b\u00fdt zaj\u00edmav\u00e9 uva\u017eovat o p\u0159edd\u016fchodu, dobrovoln\u00e9m poji\u0161t\u011bn\u00ed, evidenci na \u00fa\u0159adu pr\u00e1ce a podobn\u011b,\u201c uvedl expert. Upozornil, \u017ee v j\u00edm uveden\u00fdch p\u0159\u00edkladech mohou hr\u00e1t roli i v\u00fdd\u011blky v posledn\u00edm roce, pokud se n\u011bjak v\u00fdrazn\u011b li\u0161\u00ed od p\u0159edchoz\u00edch, ale to se b\u011b\u017en\u00fdch p\u0159\u00edpad\u016f net\u00fdk\u00e1.<\/p>\n Datum p\u0159izn\u00e1n\u00ed d\u016fchodu lze do m\u011bs\u00edce zm\u011bnit<\/strong><\/p>\n \u201eJe mi jasn\u00e9, \u017ee se jist\u011b najde n\u011bjak\u00fd ne\u0161\u0165astn\u00edk, kter\u00fd bude m\u00edt d\u016fchod p\u0159iznan\u00fd letos v prosinci. Pokud si n\u011bkdo o d\u016fchod u\u017e po\u017e\u00e1dal nebo ho m\u00e1 \u010derstv\u011b p\u0159iznan\u00fd, m\u016f\u017ee do 30 dn\u016f od p\u0159evzet\u00ed rozhodnut\u00ed \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed datum p\u0159izn\u00e1n\u00ed d\u016fchodu je\u0161t\u011b zm\u011bnit. Nad zm\u011bnou stoj\u00ed za to uva\u017eovat i u d\u016fchod\u016f p\u0159iznan\u00fdch na podzim, p\u0159\u00edpadn\u011b i d\u0159\u00edve,\u201c dodal Kohoutek.<\/p>\n P\u0159i rozhodov\u00e1n\u00ed o d\u016fchodu letos nebo p\u0159\u00ed\u0161t\u00ed rok se te\u010f nen\u00ed t\u0159eba ob\u00e1vat legislativn\u00edch zm\u011bn. Pl\u00e1novan\u00e9 negativn\u00ed zm\u011bny ve v\u00fdpo\u010dtech d\u016fchod\u016f toti\u017e maj\u00ed podle n\u00e1vrhu z\u00e1kona, jak o n\u011bm nyn\u00ed bude rozhodovat Sn\u011bmovna, nab\u00edhat postupn\u011b, a to a\u017e od roku 2026.<\/p>\n","protected":false},"excerpt":{"rendered":" S bl\u00ed\u017e\u00edc\u00edm se p\u0159elomem roku \u0159e\u0161\u00ed mnoho lid\u00ed ot\u00e1zku, zda si nechat p\u0159iznat starobn\u00ed d\u016fchod u\u017e letos, nebo a\u017e v nov\u00e9m roce. Podle d\u016fchodov\u00e9ho poradce Martina Kohoutka se tento rok…<\/p>\n","protected":false},"author":2,"featured_media":1947,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/posts\/1946"}],"collection":[{"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1946"}],"version-history":[{"count":1,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/posts\/1946\/revisions"}],"predecessor-version":[{"id":1948,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/posts\/1946\/revisions\/1948"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/media\/1947"}],"wp:attachment":[{"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}