[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.propoj.cz\/setrit-ci-nesetrit\/#Article","mainEntityOfPage":"https:\/\/www.propoj.cz\/setrit-ci-nesetrit\/","headline":"\u0160et\u0159it \u010di ne\u0161et\u0159it?","name":"\u0160et\u0159it \u010di ne\u0161et\u0159it?","description":"Spo\u0159it si na st\u00e1\u0159\u00ed se loni \u010cech\u016fm nevyplatilo. Jak o tom tedy alespo\u0148 sv\u011bd\u010d\u00ed ne\u00faprosn\u00e1 \u010d\u00edsla statistik. A\u010d v \u010cesk\u00e9 republice dosud panuj\u00ed dobr\u00e9 \u010dasy, a\u010d se zemi vede dob\u0159e (i kdy\u017e deficit st\u00e1tn\u00edho rozpo\u010dtu vypov\u00edd\u00e1 o n\u011b\u010dem \u00fapln\u011b jin\u00e9m), nebyl tu v lo\u0148sk\u00e9m roce ani jeden jedin\u00fd transformovan\u00fd penzijn\u00ed fond, jen\u017e by p\u0159ekonal \u00farove\u0148 inflace, v n\u011bm\u017e […]","datePublished":"2019-06-21","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.propoj.cz\/author\/#Person","name":"","url":"https:\/\/www.propoj.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a8eff27a95921eb0334c4b46176282bd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a8eff27a95921eb0334c4b46176282bd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"propoj.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.propoj.cz\/wp-content\/uploads\/img_a346065_w2943_t1560060860.jpg","url":"https:\/\/www.propoj.cz\/wp-content\/uploads\/img_a346065_w2943_t1560060860.jpg","height":0,"width":0},"url":"https:\/\/www.propoj.cz\/setrit-ci-nesetrit\/","about":["Ekonomika"],"wordCount":555,"articleBody":"Spo\u0159it si na st\u00e1\u0159\u00ed se loni \u010cech\u016fm nevyplatilo. Jak o tom tedy alespo\u0148 sv\u011bd\u010d\u00ed ne\u00faprosn\u00e1 \u010d\u00edsla statistik. A\u010d v \u010cesk\u00e9 republice dosud panuj\u00ed dobr\u00e9 \u010dasy, a\u010d se zemi vede dob\u0159e (i kdy\u017e deficit st\u00e1tn\u00edho rozpo\u010dtu vypov\u00edd\u00e1 o n\u011b\u010dem \u00fapln\u011b jin\u00e9m), nebyl tu v lo\u0148sk\u00e9m roce ani jeden jedin\u00fd transformovan\u00fd penzijn\u00ed fond, jen\u017e by p\u0159ekonal \u00farove\u0148 inflace, v n\u011bm\u017e by nedo\u0161lo ke znehodnocen\u00ed do n\u011bj vlo\u017een\u00fdch prost\u0159edk\u016f.\tCo\u017e znamen\u00e1, \u017ee v\u0161ichni, kdo do takov\u00fdch fond\u016f sv\u00e9 pen\u00edze vlo\u017eili, a takov\u00fdch je je\u0161t\u011b skoro t\u0159i a p\u016fl milionu, tratili na jejich hodnot\u011b, prod\u011blali.\tZat\u00edmco u n\u00e1s byla loni inflace ve v\u00fd\u0161i 2,1 procenta, vynesly transformovan\u00e9 fondy pouh\u00fdch pr\u016fm\u011brn\u00fdch 0,7 procenta. Co\u017e je citeln\u011b m\u00e9n\u011b ne\u017e inflace.\tLid\u00e9 s pen\u011bzi v t\u011bchto fondech tak prod\u011blali u\u017e druh\u00fd rok po sob\u011b, a to v roce 2017 je\u0161t\u011b citeln\u011bji. A loni tak tomu pr\u00fd bylo proto, \u017ee poklesly v\u00fdznamn\u00e9 akciov\u00e9 tituly a komodity, v\u011bt\u0161ina burz ve sv\u011bt\u011b skon\u010dila v m\u00ednusu a centr\u00e1ln\u00ed banky jako ji\u017e del\u0161\u00ed \u010das dr\u017eely \u00faroky skoro na nule. Tak\u017ee byly pen\u00edze na trhu snadno a levn\u011b k m\u00e1n\u00ed a konzervativn\u00ed fondy si tud\u00ed\u017e nemohly dlouhodob\u011b vytvo\u0159it dostate\u010dnou rezervu z \u00farokov\u00fdch v\u00fdnos\u016f ze st\u00e1tn\u00edch a firemn\u00edch dluhopis\u016f. Kter\u00e9 byly negativn\u011b ovlivn\u011bny opakovan\u00fdm zvy\u0161ov\u00e1n\u00edm \u00farokov\u00fdch sazeb \u010cNB a v\u00fdznamn\u00fdmi hrozbami ve sv\u011bt\u011b.\t\tT\u00edm jedin\u00fdm, co tyto skom\u00edraj\u00edc\u00ed penzijn\u00ed fondy dr\u017e\u00ed nad vodou, jsou u\u017e l\u00e9ta jenom st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky. A to je m\u00e1lo. Tak\u017ee se v transformovan\u00fdch fondech ke konci minul\u00e9ho roku znehodnotilo 404,35 miliardy korun, je\u017e tam le\u017eely.\t\u00da\u010dastnick\u00e9 fondy, kter\u00e9 ty transformovan\u00e9 nahradily od ledna 2013, jsou ale je\u0161t\u011b hor\u0161\u00ed. Ty u\u017e negarantuj\u00ed ani to, \u017ee \u010dlov\u011bk dostane to, co do nich vlo\u017eil. Tady bylo na konci lo\u0148sk\u00e9ho roku 913000 klient\u016f, kte\u0159\u00ed byli nal\u00e1k\u00e1ni na slibovan\u00e9 vy\u0161\u0161\u00ed zhodnocen\u00ed. Ov\u0161em realitou byly citeln\u00e9 ztr\u00e1ty. Jen dva fondy tu skon\u010dily v plusu. Prod\u011blali hlavn\u011b ti, kdo vsadili na dynamick\u00e9 a vyv\u00e1\u017een\u00e9 fondy, a aby jim nez\u016fstaly jen o\u010di pro pl\u00e1\u010d, jsou tito ut\u011b\u0161ov\u00e1ni, \u017ee d\u0159\u00edv tyto fondy p\u0159ece vyn\u00e1\u0161ely, tak\u017ee jsou po\u0159\u00e1d je\u0161t\u011b v pr\u016fm\u011bru ziskov\u00e9. A po \u0161patn\u00fdch letech (za \u00fadajn\u00fdch dne\u0161n\u00edch dobr\u00fdch \u010das\u016f) p\u0159ijdou lep\u0161\u00ed.\tOv\u0161em kdo v\u00ed, jestli a o kolik. Kdy\u017e loni shr\u00e1bnuly tyto fondy dvacet miliard podpory od st\u00e1tu. A ani d\u00edky tomu nep\u0159ekonaly inflaci. Skoro ka\u017ed\u00fd, kdo v nich m\u00e1 pen\u00edze, loni prod\u011blal, tratil.\tA d\u00e1 se v t\u00e9 chv\u00edli v\u011b\u0159it politik\u016fm a ekonom\u016fm, kte\u0159\u00ed n\u00e1m tvrd\u00ed, \u017ee si m\u00e1me \u0161et\u0159it na st\u00e1\u0159\u00ed, abychom vy\u017eili? Kdy\u017e n\u00e1m tu pen\u00edze taj\u00ed jako led a nikdo nikomu nezaru\u010d\u00ed, \u017ee aspo\u0148 n\u011bco jednoho dne dostane zp\u00e1tky?                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0160et\u0159it \u010di ne\u0161et\u0159it?","item":"https:\/\/www.propoj.cz\/setrit-ci-nesetrit\/#breadcrumbitem"}]}]