{"id":2012,"date":"2025-08-06T11:37:42","date_gmt":"2025-08-06T11:37:42","guid":{"rendered":"https:\/\/silhouettesculptpro.com\/?p=2012"},"modified":"2025-08-06T11:37:42","modified_gmt":"2025-08-06T11:37:42","slug":"zasadni-zmeny-v-duchodech-co-se-meni-od-roku-2025","status":"publish","type":"post","link":"https:\/\/silhouettesculptpro.com\/?p=2012","title":{"rendered":"Z\u00e1sadn\u00ed zm\u011bny v d\u016fchodech: co se m\u011bn\u00ed od roku 2025"},"content":{"rendered":"<div>\ud83d\udcc8 Valorizace d\u016fchod\u016f: men\u0161\u00ed r\u016fst, ale stabiln\u00ed z\u00e1klad<\/div>\n<div><\/div>\n<div>V lednu 2025 dojde ke klasick\u00e9 valorizaci, kter\u00e1 ov\u0161em bude ni\u017e\u0161\u00ed ne\u017e v p\u0159edchoz\u00edch letech. Z\u00e1kladn\u00ed v\u00fdm\u011bra se zv\u00fd\u0161\u00ed o 290 K\u010d, zat\u00edmco procentn\u00ed slo\u017eka poroste o 0,4\u202f%. Pro pr\u016fm\u011brn\u00e9ho d\u016fchodce to znamen\u00e1 zv\u00fd\u0161en\u00ed penze o p\u0159ibli\u017en\u011b 356 K\u010d m\u011bs\u00ed\u010dn\u011b.<\/div>\n<div><\/div>\n<div>\u201eTempo valorizace se zpomaluje. Je to d\u016fsledek zpomaluj\u00edc\u00ed inflace a nov\u00fdch v\u00fdpo\u010dtov\u00fdch metod,\u201c upozor\u0148uje analytik Miroslav Bene\u0161 z \u010cesk\u00e9 d\u016fchodov\u00e9 asociace.<\/div>\n<div><\/div>\n<div>\u23f3 Zvy\u0161ov\u00e1n\u00ed d\u016fchodov\u00e9ho v\u011bku<\/div>\n<div><\/div>\n<div>Jedn\u00edm z nejz\u00e1sadn\u011bj\u0161\u00edch krok\u016f d\u016fchodov\u00e9 reformy je postupn\u00e9 zvy\u0161ov\u00e1n\u00ed v\u011bku odchodu do d\u016fchodu. Osoby narozen\u00e9 po roce 1980 budou muset pracovat a\u017e do 66 let, a pro ro\u010dn\u00edky po 1989 se v\u011bk odchodu m\u016f\u017ee prodlou\u017eit a\u017e na 67 let.<\/div>\n<div><\/div>\n<div>C\u00edlem je stabilizovat d\u016fchodov\u00fd syst\u00e9m, kter\u00fd je pod tlakem kv\u016fli st\u00e1rnouc\u00ed populaci a klesaj\u00edc\u00edmu po\u010dtu ekonomicky aktivn\u00edch obyvatel.<\/div>\n<div><\/div>\n<div>\ud83d\udcbc Pracuj\u00edc\u00ed d\u016fchodci: zm\u011bny ve zdan\u011bn\u00ed<\/div>\n<div><\/div>\n<div>Dal\u0161\u00ed novinkou je \u00faprava podm\u00ednek pro osoby, kter\u00e9 pob\u00edraj\u00ed starobn\u00ed d\u016fchod a sou\u010dasn\u011b pracuj\u00ed. Od roku 2025 bude pro tyto seniory zru\u0161ena povinnost platit soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, co\u017e jim \u010dist\u00fd p\u0159\u00edjem nav\u00fd\u0161\u00ed a\u017e o stovky korun m\u011bs\u00ed\u010dn\u011b.<\/div>\n<div><\/div>\n<div>\ud83e\uddfe Dal\u0161\u00ed zm\u011bny<\/div>\n<div>\u2022\u00dapravy pro v\u00fdpo\u010det vdovsk\u00fdch a vdoveck\u00fdch d\u016fchod\u016f<\/div>\n<div>\u2022Elektronizace procesu \u017e\u00e1dost\u00ed a v\u00fdpo\u010dt\u016f<\/div>\n<div>\u2022Mo\u017enost \u010derpat d\u016fchod z v\u00edce pil\u00ed\u0159\u016f (nap\u0159. dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed)<\/div>\n<div><\/div>\n<div>\ud83e\udde0 Co to znamen\u00e1 pro v\u00e1s?<\/div>\n<div><\/div>\n<div>Zm\u011bny p\u0159in\u00e1\u0161ej\u00ed v\u00edce odpov\u011bdnosti na jednotlivce. Doporu\u010duje se za\u010d\u00edt s v\u010dasn\u00fdm spo\u0159en\u00edm, sledovat vlastn\u00ed penzijn\u00ed historii a zv\u00e1\u017eit dopl\u0148kov\u00e9 formy zabezpe\u010den\u00ed.<\/div>\n<div><\/div>\n<div>\u201eKdo za\u010dne spo\u0159it v\u010das a aktivn\u011b sleduje sv\u016fj d\u016fchodov\u00fd profil, nebude v budoucnu p\u0159ekvapen,\u201c \u0159\u00edk\u00e1 Hana Kr\u00e1lov\u00e1, expertka na penzijn\u00ed finance.<\/div>\n<div><\/div>\n<div>\u2e3b<\/div>\n<div><\/div>\n<div>\u2705 P\u0159ipravte se na budoucnost<\/div>\n<div><\/div>\n<div>Zm\u011bny v d\u016fchodech od roku 2025 jsou sice krokem ke stabiln\u011bj\u0161\u00edmu syst\u00e9mu, ale sou\u010dasn\u011b znamenaj\u00ed ni\u017e\u0161\u00ed tempo r\u016fstu p\u0159\u00edjm\u016f. Pokud si chcete zajistit klidn\u00e9 st\u00e1\u0159\u00ed, zva\u017ete vyu\u017eit\u00ed osv\u011bd\u010den\u00fdch n\u00e1stroj\u016f \u2013 nap\u0159\u00edklad certifikovan\u00fdch produkt\u016f dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed nebo bezpe\u010dn\u00fdch investi\u010dn\u00edch bal\u00ed\u010dk\u016f.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udcc8 Valorizace d\u016fchod\u016f: men\u0161\u00ed r\u016fst, ale stabiln\u00ed z\u00e1klad V lednu 2025 dojde ke klasick\u00e9 valorizaci, kter\u00e1 ov\u0161em bude ni\u017e\u0161\u00ed ne\u017e v p\u0159edchoz\u00edch letech. Z\u00e1kladn\u00ed v\u00fdm\u011bra se zv\u00fd\u0161\u00ed o 290 K\u010d,&hellip;<\/p>\n","protected":false},"author":2,"featured_media":2013,"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\/2012"}],"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=2012"}],"version-history":[{"count":1,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/posts\/2012\/revisions"}],"predecessor-version":[{"id":2014,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/posts\/2012\/revisions\/2014"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=\/wp\/v2\/media\/2013"}],"wp:attachment":[{"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silhouettesculptpro.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}