[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.certeq.cz\/proc-neni-dnesni-duchodovy-system-udrzitelny\/#Article","mainEntityOfPage":"https:\/\/www.certeq.cz\/proc-neni-dnesni-duchodovy-system-udrzitelny\/","headline":"Pro\u010d nen\u00ed dne\u0161n\u00ed d\u016fchodov\u00fd syst\u00e9m udr\u017eiteln\u00fd","name":"Pro\u010d nen\u00ed dne\u0161n\u00ed d\u016fchodov\u00fd syst\u00e9m udr\u017eiteln\u00fd","description":"Pokud poslouch\u00e1te v\u00a0posledn\u00edch n\u011bkolika letech zpr\u00e1vy t\u00fdkaj\u00edc\u00ed se d\u016fchod\u016f, pak si mus\u00edte v\u0161imnout jedn\u00e9 v\u011bci: v\u0161ichni politici i odborn\u00edci n\u00e1m \u0159\u00edkaj\u00ed, abychom si na n\u011bj na\u0161et\u0159ili sami, \u017ee se nem\u00e1me spol\u00e9hat na ten poskytovan\u00fd st\u00e1tem. Jedn\u00edm dechem tak\u00e9 dod\u00e1vaj\u00ed, \u017ee by byla nutn\u011b pot\u0159eba reforma d\u016fchodov\u00e9ho syst\u00e9mu, nebo\u0165 ten, kter\u00fd m\u00e1me dnes, je dlouhodob\u011b neudr\u017eiteln\u00fd. […]","datePublished":"2023-10-29","dateModified":"2023-10-29","author":{"@type":"Person","@id":"https:\/\/www.certeq.cz\/author\/#Person","name":"","url":"https:\/\/www.certeq.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/48db5b3634ed7a3f1f89bca90f0a2521b0bb3970d57e3653d258d10b0f31fdf3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/48db5b3634ed7a3f1f89bca90f0a2521b0bb3970d57e3653d258d10b0f31fdf3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"certeq.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.certeq.cz\/wp-content\/uploads\/firma1_10_10_10_10_10_10_10_1.jpg","url":"https:\/\/www.certeq.cz\/wp-content\/uploads\/firma1_10_10_10_10_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.certeq.cz\/proc-neni-dnesni-duchodovy-system-udrzitelny\/","about":["Finance"],"wordCount":463,"articleBody":"Pokud poslouch\u00e1te v\u00a0posledn\u00edch n\u011bkolika letech zpr\u00e1vy t\u00fdkaj\u00edc\u00ed se d\u016fchod\u016f, pak si mus\u00edte v\u0161imnout jedn\u00e9 v\u011bci: v\u0161ichni politici i odborn\u00edci n\u00e1m \u0159\u00edkaj\u00ed, abychom si na n\u011bj na\u0161et\u0159ili sami, \u017ee se nem\u00e1me spol\u00e9hat na ten poskytovan\u00fd st\u00e1tem. Jedn\u00edm dechem tak\u00e9 dod\u00e1vaj\u00ed, \u017ee by byla nutn\u011b pot\u0159eba reforma d\u016fchodov\u00e9ho syst\u00e9mu, nebo\u0165 ten, kter\u00fd m\u00e1me dnes, je dlouhodob\u011b neudr\u017eiteln\u00fd. Mnohdy u\u017e ale nevysv\u011btluj\u00ed, co je za probl\u00e9m.\u00a0T\u00edm hlavn\u00edm je p\u0159edev\u0161\u00edm to, jak je vlastn\u011b koncipov\u00e1n. My toti\u017e m\u00e1me pr\u016fb\u011b\u017en\u00fd syst\u00e9m, co\u017e v\u00a0podstat\u011b znamen\u00e1, \u017ee sou\u010dasn\u00e9 d\u016fchody se plat\u00ed z\u00a0pen\u011bz, kter\u00e9 na soci\u00e1ln\u00edm poji\u0161t\u011bn\u00ed plat\u00ed sou\u010dasn\u00ed pracuj\u00edc\u00ed. Soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 dne\u0161n\u00ed d\u016fchodci platili v\u00a0dob\u011b, kdy byli v\u00a0pracovn\u00edm procesu, pak \u0161lo na d\u016fchody tehdej\u0161\u00edch senior\u016f.\u00a0\u00a0Jist\u011b, v\u00a0dob\u011b sv\u00e9ho vzniku se to zd\u00e1lo jako pom\u011brn\u011b jednoduch\u00e9 \u0159e\u0161en\u00ed. Nebyly pot\u0159eba \u017e\u00e1dn\u00e9 rezervy, pen\u00edze, kter\u00e9 se vybraly, se v\u00a0podstat\u011b hned spot\u0159ebovaly. Situaci pom\u00e1halo tak\u00e9 to, \u017ee tehdy byly v\u00a0pracovn\u00edm procesu velmi siln\u00e9 ro\u010dn\u00edky, tedy ty, kdy se rodilo mnoho d\u011bt\u00ed. Na ka\u017ed\u00e9ho d\u016fchodce tak p\u0159ipadali \u010dty\u0159i pracuj\u00edc\u00ed, kte\u0159\u00ed se na n\u011bj v\u00a0podstat\u011b skl\u00e1dali. Ov\u0161em dlouhodob\u011b se to udr\u017eet nemohlo.\u00a0\u00a0Porodnost, kter\u00e1 se prudce zvedla po druh\u00e9 sv\u011btov\u00e9 v\u00e1lce, postupn\u011b poklesla a kles\u00e1 dnes. K\u00a0tomu v\u0161emu se nav\u00edc zvy\u0161uje i pr\u016fm\u011brn\u00fd v\u011bk do\u017eit\u00ed. Zat\u00edmco d\u0159\u00edve \u010dlov\u011bk pob\u00edral d\u016fchod v\u00a0pr\u016fm\u011bru dvacet let, dnes je to \u010dty\u0159icet. M\u00e1me tedy situaci, kdy jeden pracuj\u00edc\u00ed \u010dlov\u011bk ze sv\u00e9ho soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed vytv\u00e1\u0159\u00ed d\u016fchod \u010dty\u0159em lidem, a to nav\u00edc dvakr\u00e1t tak del\u0161\u00ed dobu. St\u00e1t tedy mus\u00ed p\u0159isp\u00edvat \u010d\u00edm d\u00e1l v\u00edc ze sv\u00e9ho rozpo\u010dtu, aby na d\u016fchody v\u016fbec bylo, co\u017e vzhledem k\u00a0jeho stavu tak\u00e9 nen\u00ed nic dobr\u00e9ho.\u00a0Bohu\u017eel, reformy d\u016fchodov\u00e9ho syst\u00e9mu, kter\u00e1 by byla pot\u0159eba, se nedo\u010dk\u00e1me. D\u016fvodem je hlavn\u011b to, \u017ee by se jednalo o skute\u010dn\u011b velmi nepopul\u00e1rn\u00ed krok, a to pr\u00e1v\u011b mezi d\u016fchodci, kte\u0159\u00ed u n\u00e1s tvo\u0159\u00ed silnou voli\u010dskou skupinu. A to si \u017e\u00e1dn\u00e1 vl\u00e1da nedovol\u00ed, nebo\u0165 by si t\u00edm v\u00a0podstat\u011b zni\u010dila \u0161ance na dal\u0161\u00ed zvolen\u00ed. Bude tak zaj\u00edmav\u00e9 sledovat, jak dlouho tento syst\u00e9m je\u0161t\u011b vydr\u017e\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d nen\u00ed dne\u0161n\u00ed d\u016fchodov\u00fd syst\u00e9m udr\u017eiteln\u00fd","item":"https:\/\/www.certeq.cz\/proc-neni-dnesni-duchodovy-system-udrzitelny\/#breadcrumbitem"}]}]