{"id":227,"date":"2022-11-25T10:13:50","date_gmt":"2022-11-25T10:13:50","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=227"},"modified":"2022-11-25T10:13:50","modified_gmt":"2022-11-25T10:13:50","slug":"nn-cesi-a-zivot-do-stovky","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=227","title":{"rendered":"NN: \u010ce\u0161i a \u017eivot do stovky"},"content":{"rendered":"<p><strong>T\u00e9ma st\u00e1\u0159\u00ed a d\u016fchodu se t\u00fdk\u00e1 n\u00e1s v\u0161ech. Do penze p\u016fjdeme pravd\u011bpodobn\u011b o n\u011bco pozd\u011bji ne\u017e na\u0161i prarodi\u010de, a nav\u00edc si v n\u00ed d\u00edky prodlu\u017euj\u00edc\u00ed se d\u00e9lce \u017eivota pobudeme p\u0159ibli\u017en\u011b o deset let d\u00e9le. Jak se na tento fakt \u010ce\u0161i tv\u00e1\u0159\u00ed? Z v\u00fdsledk\u016f pr\u016fzkumu NN \u017eivotn\u00ed poji\u0161\u0165ovny a penzijn\u00ed spole\u010dnost\u00ed vypl\u00fdv\u00e1, \u017ee \u010cechy toto t\u00e9ma rozd\u011bluje. Nejv\u011bt\u0161\u00ed rozkol tkv\u00ed samoz\u0159ejm\u011b ve financ\u00edch. \u017divot do stovky je toti\u017e pro mnoh\u00e9 drah\u00fd luxus, zat\u00edmco jin\u00ed na to je\u0161t\u011b ani nepomysleli.<\/strong><\/p>\n<p><!--more--><strong>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/strong><\/p>\n<p>P\u0159ibli\u017en\u011b 1 z 10 mlad\u00fdch \u010cech\u016f, kte\u0159\u00ed dnes za\u010d\u00ednaj\u00ed pracovat, m\u00e1 potenci\u00e1l do\u017e\u00edt se 100 let. Ale pouze 42 % dot\u00e1zan\u00fdch \u010cech\u016f c\u00edt\u00ed, \u017ee na to budou m\u00edt. Jak moc je tento fakt pro spole\u010dnost alarmuj\u00edc\u00ed? Jmenovatelem v\u0161ech nep\u0159\u00edli\u0161 vesel\u00fdch n\u00e1zor\u016f na to, \u017ee m\u016f\u017eeme \u017e\u00edt i o 10 let d\u00e9le ne\u017e na\u0161e babi\u010dky, je strach, \u017ee svou dlouhou budoucnost nezvl\u00e1dneme finan\u010dn\u011b. \u010ce\u0161i si ale za\u010d\u00ednaj\u00ed uv\u011bdomovat, \u017ee pomoc ve st\u00e1\u0159\u00ed pot\u0159ebovat budou, a spo\u0159\u00ed si v\u00edc ne\u017e kdy p\u0159edt\u00edm. P\u0159esto podle v\u0161eho st\u00e1le necht\u011bj\u00ed myslet moc dop\u0159edu a \u010dasto spol\u00e9haj\u00ed na to, \u017ee se o n\u011b postar\u00e1 st\u00e1t. Ale je to dobr\u00fd n\u00e1pad?<\/p>\n<p>\u201e<em>Populace st\u00e1rne a z\u00e1t\u011b\u017e na n\u00e1\u0161 soci\u00e1ln\u00ed syst\u00e9m se zvy\u0161uje<\/em>,\u201c upozor\u0148uje Michal Korejs, \u0159editel produktov\u00e9ho v\u00fdvoje NN \u017divotn\u00ed poji\u0161\u0165ovny, kter\u00e1 letos oslavila 30 let v \u010cesku. \u201e<em>Do roku 2050 bude v \u010cesku dvojn\u00e1sobek senior\u016f ne\u017e nyn\u00ed, a to se n\u011bkde podep\u00ed\u0161e. Dobrou zpr\u00e1vou je, \u017ee nikdy nen\u00ed pozd\u011b za\u010d\u00edt n\u011bco d\u011blat pro sv\u00e9 spokojen\u011bj\u0161\u00ed a bohat\u0161\u00ed st\u00e1\u0159\u00ed. \u010c\u00edm d\u0159\u00edve se do toho pust\u00edme, t\u00edm to pro n\u00e1s bude snaz\u0161\u00ed i levn\u011bj\u0161\u00ed. Spr\u00e1vn\u00fd finan\u010dn\u00ed poradce ale dok\u00e1\u017ee vymyslet funguj\u00edc\u00ed pl\u00e1n pro ka\u017ed\u00e9ho v jak\u00e9mkoli v\u011bku. A nemus\u00ed p\u0159itom j\u00edt o velk\u00e9 zm\u011bny ani \u010d\u00e1stky<\/em>,\u201c dod\u00e1v\u00e1.<\/p>\n<p>T\u00e9ma dlouhov\u011bkosti jde samoz\u0159ejm\u011b ruku v ruce s t\u00e9matem zdrav\u00ed. Je k podivu, \u017ee jen pro malou \u010d\u00e1st lid\u00ed p\u0159edstavuje zdrav\u011bj\u0161\u00ed \u017eivotn\u00ed styl n\u011bco, na co je d\u016fle\u017eit\u00e9 myslet pro kvalitn\u011bj\u0161\u00ed \u017eivot v pokro\u010dil\u00e9m v\u011bku. Ka\u017ed\u00fd \u010dtvrt\u00fd \u010cech by se nav\u00edc nevzdal sv\u00e9ho zlozvyku nebo z\u00e1vislosti, ani neza\u010dal s novou prosp\u011b\u0161nou aktivitou, kdyby mu doktor \u0159ekl, \u017ee si tak prodlou\u017e\u00ed \u017eivot o 5 let. \u201e<em>V\u0161e je o p\u0159\u00edstupu. Lid\u00e9 si \u010dasto neuv\u011bdomuj\u00ed, \u017ee riziko st\u00e1\u0159\u00ed tkv\u00ed zejm\u00e9na ve vrtkav\u00e9m zdrav\u00ed, kter\u00e9 s postupuj\u00edc\u00edm v\u011bkem p\u0159irozen\u011b sl\u00e1bne, co\u017e s sebou nese dal\u0161\u00ed n\u00e1klady<\/em>,\u201c upozor\u0148uje Korejs.<\/p>\n<p>Finan\u010dn\u00ed odhady \u010cech\u016f jsou ale bohu\u017eel mnohdy zkreslen\u00e9. \u201e<em>Z hlediska pen\u011bz n\u00e1s a na\u0161i rodinu nejv\u00edce ohro\u017euj\u00ed invalidita a z\u00e1va\u017en\u00e9 nemoci, ale vedle toho bych pouk\u00e1zal zejm\u00e9na na nesob\u011bsta\u010dnost. Ka\u017ed\u00fd \u010dtvrt\u00fd se stane do 80 let z\u00e1visl\u00fdm na druh\u00fdch a \u010ce\u0161i bohu\u017eel \u010dasto nev\u00ed, co takov\u00e1 finan\u010dn\u00ed realita dlouhodob\u00e9 p\u00e9\u010de obn\u00e1\u0161\u00ed. Jen \u010d\u00e1ste\u010dn\u00e1 asistence v dom\u00e1c\u00edm prost\u0159ed\u00ed vyjde a\u017e na 20 tis\u00edc m\u011bs\u00ed\u010dn\u011b. Za celodenn\u00ed p\u00e9\u010di ve specializovan\u00e9m za\u0159\u00edzen\u00ed pak snadno zaplat\u00edme a\u017e dvojn\u00e1sobek<\/em>,\u201c nasti\u0148uje syrovou skute\u010dnost produktov\u00fd \u0159editel NN.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-228\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2022\/11\/Obrazek1-300x113.png\" alt=\"\" width=\"300\" height=\"113\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2022\/11\/Obrazek1-300x113.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2022\/11\/Obrazek1.png 468w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Kdo n\u00e1m tedy pom\u016f\u017ee, kdy\u017e to nezvl\u00e1dneme sami, pokud nechceme zat\u011b\u017eovat rodinu a bl\u00edzk\u00e9? \u201e<em>L\u00e9k na obavy existuje, a ne jeden. M\u00e1me n\u00e1stroje, d\u00edky kter\u00fdm m\u016f\u017eeme vyj\u00edt st\u00e1\u0159\u00ed naproti bez obav o finan\u010dn\u00ed str\u00e1nku v\u011bci. \u017divot je sice komplexn\u00ed z\u00e1le\u017eitost a nikdy nev\u00edme, co n\u00e1s potk\u00e1, ale jsou v\u011bci, o kter\u00e9 se postarat lze. A d\u00edky tomu se pak m\u016f\u017eeme t\u011b\u0161it na kr\u00e1sn\u00fd dlouh\u00fd \u017eivot o n\u011bco v\u00edce<\/em>,\u201c povzbuzuje \u010deskou spole\u010dnost Michal Korejs.<\/p>\n<p>A jak jsou na tom tedy \u010ce\u0161i s t\u011b\u0161en\u00edm se na dlouh\u00e1 l\u00e9ta v d\u016fchodu? 47 % z nich se t\u011b\u0161\u00ed, co\u017e oproti zbytku sv\u011bta nen\u00ed v\u016fbec \u0161patn\u00e9. Nejv\u00edce se do penze t\u011b\u0161\u00ed \u0160pan\u011bl\u00e9 (68 %) a na opa\u010dn\u00e9 stran\u011b \u017eeb\u0159\u00ed\u010dku se doslova kr\u010d\u00ed Japonci (19 %). Odpo\u010dinek, kvalitn\u00ed \u010das s bl\u00edzk\u00fdmi a rodinou, dostatek prostoru na kon\u00ed\u010dky a u\u017e\u00edv\u00e1n\u00ed si mo\u017enost\u00ed, kter\u00e9 n\u00e1m modern\u00ed sv\u011bt nab\u00edz\u00ed \u2013 to jsou pro n\u00e1\u0161 n\u00e1rod hlavn\u00ed l\u00e1kadla penze.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-229\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2022\/11\/Obrazek2-300x176.png\" alt=\"\" width=\"300\" height=\"176\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2022\/11\/Obrazek2-300x176.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2022\/11\/Obrazek2.png 468w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>T\u00e9ma st\u00e1\u0159\u00ed a d\u016fchodu se t\u00fdk\u00e1 n\u00e1s v\u0161ech. Do penze p\u016fjdeme pravd\u011bpodobn\u011b o n\u011bco pozd\u011bji ne\u017e na\u0161i prarodi\u010de, a nav\u00edc si v n\u00ed d\u00edky prodlu\u017euj\u00edc\u00ed <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=227\" title=\"NN: \u010ce\u0161i a \u017eivot do stovky\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/227","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=227"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/227\/revisions"}],"predecessor-version":[{"id":231,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/227\/revisions\/231"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/230"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}