[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lnkm.cz\/nemejte-strach\/#Article","mainEntityOfPage":"https:\/\/www.lnkm.cz\/nemejte-strach\/","headline":"Nem\u011bjte strach","name":"Nem\u011bjte strach","description":"V\u00edme, \u017ee m\u00e1te strach, to je pochopiteln\u00e9. V\u0161ichni jsme citliv\u00ed a\u00a0 co se t\u00fdk\u00e1 na\u0161ich t\u011b\u017ece vyd\u011blan\u00fdch \u00faspor ur\u010dit\u011b dvon\u00e1sob. Zvl\u00e1\u0161t\u011b kdy\u017e tyto \u00faspory maj\u00ed \u010dlov\u011bku slou\u017eit k\u00a0jeho do\u017eit\u00ed. Ale nebojte se, p\u0159es v\u0161echny negativn\u00ed stanoviska a n\u00e1zory vy\u0159\u010den\u00e9 na adresu t\u011bchto fondu, v\u00a0dne\u0161n\u00ed dob\u011b ukl\u00e1d\u00e1n\u00ed va\u0161ich financ\u00ed na t\u011bchto \u00fa\u010dtech je bezpe\u010dn\u00e9 a stoj\u00ed ur\u010dit\u011b aspo\u0148 za zv\u00e1\u017een\u00ed. \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<br><br><a class=\"more-link\" href=\"https:\/\/www.lnkm.cz\/nemejte-strach\/\">\u010c\u00edst v\u00edce<\/a>","datePublished":"2023-04-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.lnkm.cz\/author\/#Person","name":"lnkm.cz\n","url":"https:\/\/www.lnkm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lnkm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.lnkm.cz\/nemejte-strach\/","about":["Pen\u00edze"],"wordCount":455,"articleBody":"V\u00edme, \u017ee m\u00e1te strach, to je pochopiteln\u00e9. V\u0161ichni jsme citliv\u00ed a\u00a0 co se t\u00fdk\u00e1 na\u0161ich t\u011b\u017ece vyd\u011blan\u00fdch \u00faspor ur\u010dit\u011b dvon\u00e1sob. Zvl\u00e1\u0161t\u011b kdy\u017e tyto \u00faspory maj\u00ed \u010dlov\u011bku slou\u017eit k\u00a0jeho do\u017eit\u00ed. Ale nebojte se, p\u0159es v\u0161echny negativn\u00ed stanoviska a n\u00e1zory vy\u0159\u010den\u00e9 na adresu t\u011bchto fondu, v\u00a0dne\u0161n\u00ed dob\u011b ukl\u00e1d\u00e1n\u00ed va\u0161ich financ\u00ed na t\u011bchto \u00fa\u010dtech je bezpe\u010dn\u00e9 a stoj\u00ed ur\u010dit\u011b aspo\u0148 za zv\u00e1\u017een\u00ed.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Penzijn\u00ed fondy jsou koncipovan\u00e9 tak, aby bylo v\u00a0nejv\u011bt\u0161\u00ed m\u00ed\u0159e eliminov\u00e1no riziko ztr\u00e1ty finan\u010dn\u00edch vklad\u016f jednotliv\u00fdch st\u0159adatel\u016f. Ve\u0161ker\u00e9 hospoda\u0159en\u00ed penzijn\u00edch fond\u016f je p\u0159\u00edsn\u011b kontrolov\u00e1no dodr\u017eov\u00e1n\u00ed p\u0159\u00edslu\u0161n\u00fdch pr\u00e1vn\u00edch norem. Dokonce podle sou\u010dasn\u00e9 pr\u00e1vn\u00ed legislativy mus\u00ed b\u00fdt odd\u011bleno hospoda\u0159en\u00ed a person\u00e1ln\u00ed slo\u017een\u00ed bank a penzijn\u00edch fond\u016f, aby se minimalizovalo riziko ztr\u00e1ty va\u0161ich vklad\u016f. Jin\u00fdmi slovy \u0159e\u010deno, st\u00e1t se dnes sna\u017e\u00ed zabezpe\u010dit, co nejv\u00edce vklady st\u0159adatel\u016f. Tak\u00e9 proto v\u00a0tomto \u010dl\u00e1nku se pokus\u00edme vyjmenovat v\u00fdhody spo\u0159en\u00ed v\u00a0penzijn\u00edch fondech a dok\u00e1zat v\u00e1m, \u017ee obavy nejsou na m\u00edst\u011b.A.\u00a0\u00a0\u00a0 Odd\u011blen\u00ed fond\u016f od bank&#8211; Podle sou\u010dasn\u00fdch pr\u00e1vn\u00edch norem mus\u00ed b\u00fdt penzijn\u00ed fond jednotliv\u00e9ho finan\u010dn\u00edho \u00fastavu osamostatn\u011bn, co nejv\u00edce od kmenov\u00e9 banky, jak zde bylo zm\u00edn\u011bno hospoda\u0159en\u00ed a person\u00e1ln\u00ed slo\u017een\u00ed mus\u00ed b\u00e1t odd\u011bleno. To v\u0161e kv\u016fli mo\u017en\u00fdm \u00fanik\u016fm dat, \u010di ztr\u00e1t\u00e1m vklad\u016f.B.\u00a0\u00a0\u00a0\u00a0 Samostatn\u00e9 hospoda\u0159en\u00ed&#8211; Hospoda\u0159en\u00ed je p\u0159\u00edsn\u011b kontrolov\u00e1no a to nejen ze strany fondu, ale tak\u00e9 st\u00e1tu. Proto se v\u00fdsledek hospoda\u0159en\u00ed nezapo\u010d\u00edt\u00e1v\u00e1 do p\u0159\u00edjm\u016f bank, ale tvo\u0159\u00ed samostanou polo\u017eku, s\u00a0nich\u017e mohou manipulovat jenom zam\u011bstnanci penzijn\u00edho fondu. P\u0159edstavenstvo bankovn\u00ed rady pouze schvaluje pl\u00e1n na rozvoj fondu, spole\u010dn\u011b s\u00a0radou penzijn\u00edho fondu.C.\u00a0\u00a0\u00a0 Nab\u00eddka doprovodn\u00fdch p\u0159ipoji\u0161t\u011bn\u00ed&#8211; Mezi tyto doprovodn\u00e9 slu\u017eby pat\u0159\u00ed nap\u0159\u00edklad penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, kter\u00e9 m\u00e1 nav\u00fd\u0161it va\u0161i na\u0161et\u0159enou \u010d\u00e1stku, pomoc\u00ed zalo\u017een\u00ed druh\u00e9ho \u00fa\u010dtu.D.\u00a0\u00a0\u00a0 St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek&#8211; V\u00fdhoda je tak\u00e9 v\u00a0tom, \u017ee ur\u010ditou \u010d\u00e1stkou p\u0159isp\u00edv\u00e1 do fondu tak\u00e9 st\u00e1t, aby nav\u00fd\u0161il z\u016fstatek st\u0159adatel\u016f.\u00a0Nebojte se, a\u0165 u\u017e hospoda\u0159en\u00ed u penzijn\u00edch fond\u016f, je jakkoli rizikov\u00e9, tak n\u00e1m v\u011b\u0159te, \u017ee se vyplat\u00ed ukl\u00e1dat do n\u011bj pen\u00edze a to t\u0159eba hned te\u010f.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nem\u011bjte strach","item":"https:\/\/www.lnkm.cz\/nemejte-strach\/#breadcrumbitem"}]}]