{"id":1327,"date":"2024-01-09T10:33:02","date_gmt":"2024-01-09T09:33:02","guid":{"rendered":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/?p=1327"},"modified":"2024-01-09T11:32:39","modified_gmt":"2024-01-09T10:32:39","slug":"dlouhodoby-investicni-produkt-legislativni-novinka-kterou-by-mel-zvazit-kazdy","status":"publish","type":"post","link":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/2024\/01\/09\/dlouhodoby-investicni-produkt-legislativni-novinka-kterou-by-mel-zvazit-kazdy\/","title":{"rendered":"Dlouhodob\u00fd investi\u010dn\u00ed produkt &#8211; legislativn\u00ed novinka, kterou by m\u011bl zv\u00e1\u017eit ka\u017ed\u00fd"},"content":{"rendered":"<div>V d\u016fchodu str\u00e1v\u00edme tak\u0159ka t\u0159etinu \u017eivota. Pod\u00edv\u00e1me-li se na demografick\u00fd v\u00fdvoj a stav ve\u0159ejn\u00fdch financ\u00ed, je prakticky jist\u00e9, \u017ee spol\u00e9hat se na st\u00e1t nen\u00ed p\u0159\u00edli\u0161 rozumn\u00e9. Zaji\u0161t\u011bn\u00ed se na st\u00e1\u0159\u00ed dost\u00e1v\u00e1 od leto\u0161n\u00edho roku nov\u00e9, st\u00e1tem podporovan\u00e9 mo\u017enosti, kter\u00e9, dle m\u00e9ho n\u00e1zoru, stoj\u00ed za zv\u00e1\u017een\u00ed. A p\u0159esto\u017ee se nejedn\u00e1 o tolik sklo\u0148ovanou d\u016fchodovou reformu, jde o velice zaj\u00edmavou mo\u017enost, jak se zajistit pro postproduktivn\u00ed v\u011bk.<\/div>\n<div><\/div>\n<div><b>Dlouhodob\u00fd investi\u010dn\u00ed produkt<\/b><\/div>\n<div><b>\u00a0<\/b><\/div>\n<div>Nejv\u00fdznamn\u011bj\u0161\u00ed novinkou je legislativn\u00ed ukotven\u00ed institutu\u00a0<b>dlouhodob\u00e9ho investi\u010dn\u00edho produktu<\/b>. Co prakticky tento typ produktu znamen\u00e1? Nen\u00ed to nic jin\u00e9ho, ne\u017e mo\u017enost da\u0148ov\u00e9ho zv\u00fdhodn\u011bn\u00ed, kter\u00e9 je dnes aplikov\u00e1no pouze na produkty penzijn\u00edho spo\u0159en\u00ed a \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, i na\u00a0<b>pravideln\u00e9 investice do investi\u010dn\u00edch n\u00e1stroj\u016f dle vlastn\u00edho v\u00fdb\u011bru<\/b>. Smlouva mus\u00ed spl\u0148ovat z\u00e1konn\u00e9 parametry, tedy doba spo\u0159en\u00ed mus\u00ed b\u00fdt minim\u00e1ln\u011b 10 let a v\u00fdb\u011br investovan\u00fdch prost\u0159edk\u016f je mo\u017en\u00fd nejd\u0159\u00edve v 60 letech v\u011bku klienta.<\/div>\n<div><\/div>\n<div>Z\u00e1sadn\u00ed zm\u011bna od 1. 1. 2024 spo\u010d\u00edv\u00e1 v \u00faprav\u011b maxim\u00e1ln\u00edch limit\u016f na da\u0148ov\u00e9 odpo\u010dty fyzick\u00fdch osob na hodnotu 48 000 K\u010d ro\u010dn\u011b. Tato \u010d\u00e1stka bude souhrnn\u00fdm limitem pro v\u0161echny vyjmenovan\u00e9 produkty spo\u0159en\u00ed na st\u00e1\u0159\u00ed. Ka\u017ed\u00fd se tedy m\u016f\u017ee rozhodnout, na jak\u00fd produkt da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00ed uplatn\u00ed. P\u0159\u00edsp\u011bvek od zam\u011bstnavatele pak z\u016fst\u00e1v\u00e1 da\u0148ov\u011b zv\u00fdhodn\u011bn\u00fd do limitu 50 000 korun ro\u010dn\u011b.<\/div>\n<div><\/div>\n<div>Dlouhodob\u00fd investi\u010dn\u00ed produkt nen\u00ed nic jin\u00e9ho, ne\u017e pravideln\u00e9 investov\u00e1n\u00ed, kter\u00e9 maj\u00ed mnoz\u00ed z V\u00e1s ji\u017e nastaven\u00e9, ale s da\u0148ov\u00fdm zv\u00fdhodn\u011bn\u00edm od st\u00e1tu. Kl\u00ed\u010dov\u00ed produktov\u00ed partne\u0159i v prosinci avizovali, \u017ee produkt technicky spust\u00ed od 1. 4. 2024.<\/div>\n<div><\/div>\n<div>Je d\u016fle\u017eit\u00e9 podotknout, \u017ee se mezi poskytovateli tohoto produktu mohou objevit neseri\u00f3zn\u00ed hr\u00e1\u010di nebo mohou b\u00fdt nab\u00edzeny nevhodn\u00e9 produkty, proto\u017ee pro vstup na trh tohoto produktu je nutn\u00e9 pouze tento z\u00e1m\u011br ozn\u00e1mit \u010cesk\u00e9 n\u00e1rodn\u00ed bance, bez dal\u0161\u00edch podm\u00ednek. V\u00a0<a href=\"https:\/\/app.smartemailing.cz\/campaigns\/emails\/edit-in-editor\/www.clevertyinvest.cz\" target=\"_blank\" rel=\"noopener\">CLEVERTY<\/a>\u00a0tedy budeme pe\u010dliv\u011b vyhodnocovat jednotliv\u00e9 nab\u00eddky r\u016fzn\u00fdch poskytovatel\u016f a budeme vyu\u017e\u00edvat p\u0159edn\u00ed a osv\u011bd\u010den\u00e9 poskytovatele produkt\u016f pravideln\u00e9ho investov\u00e1n\u00ed. Ostatn\u011b tak, jak to \u010din\u00edme ji\u017e 15 let.<\/div>\n<div><\/div>\n<div>Produkt \u010dek\u00e1 je\u0161t\u011b na prov\u00e1d\u011bc\u00ed vyhl\u00e1\u0161ky ohledn\u011b technick\u00fdch detail\u016f. Jakmile bude mo\u017en\u00e9 tento program sjedn\u00e1vat, r\u00e1d se s V\u00e1mi osobn\u011b potk\u00e1m a celou v\u011bc vysv\u011btl\u00edm a proberu do detail\u016f.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>V d\u016fchodu str\u00e1v\u00edme tak\u0159ka t\u0159etinu \u017eivota. Pod\u00edv\u00e1me-li se na demografick\u00fd v\u00fdvoj a stav ve\u0159ejn\u00fdch financ\u00ed, je prakticky jist\u00e9, \u017ee spol\u00e9hat se na st\u00e1t nen\u00ed p\u0159\u00edli\u0161 rozumn\u00e9. Zaji\u0161t\u011bn\u00ed se na st\u00e1\u0159\u00ed [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[1],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/posts\/1327"}],"collection":[{"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/comments?post=1327"}],"version-history":[{"count":5,"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/posts\/1327\/revisions"}],"predecessor-version":[{"id":1333,"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/posts\/1327\/revisions\/1333"}],"wp:attachment":[{"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/media?parent=1327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/categories?post=1327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fialavojtech.cz\/domains\/fialavojtech.cz\/wp-json\/wp\/v2\/tags?post=1327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}