[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/futuroom.cz\/sporeni-na-duchod\/#Article","mainEntityOfPage":"https:\/\/futuroom.cz\/sporeni-na-duchod\/","headline":"Spo\u0159en\u00ed na d\u016fchod?","name":"Spo\u0159en\u00ed na d\u016fchod?","description":"Podle \u00fadaj\u016f z roku 2017, kdy u n\u00e1s prob\u011bhlo dotazov\u00e1n\u00ed mezi v\u00edce ne\u017e tis\u00edcovkou respondent\u016f ve v\u011bku od 18 do 70 let, si p\u0159ibli\u017en\u011b ka\u017ed\u00fd druh\u00fd \u010cech \u017e\u00e1dn\u00e9 \u00faspory na d\u016fchod nevytv\u00e1\u0159\u00ed. Je pot\u0159eba dodat, \u017ee tato skupina dotazovan\u00fdch se ani touto ot\u00e1zkou na budoucnost p\u0159\u00edli\u0161 nezab\u00fdv\u00e1. Ta druh\u00e1 \u010d\u00e1st naopak sv\u00e9 \u00faspory \u0159e\u0161\u00ed, to […]","datePublished":"2026-02-24","dateModified":"2026-02-24","author":{"@type":"Person","@id":"https:\/\/futuroom.cz\/author\/#Person","name":"","url":"https:\/\/futuroom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"futuroom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/futuroom.cz\/wp-content\/uploads\/img_a339580_w2693_t1552753264.jpg","url":"https:\/\/futuroom.cz\/wp-content\/uploads\/img_a339580_w2693_t1552753264.jpg","height":0,"width":0},"url":"https:\/\/futuroom.cz\/sporeni-na-duchod\/","wordCount":480,"articleBody":"Podle \u00fadaj\u016f z roku 2017, kdy u n\u00e1s prob\u011bhlo dotazov\u00e1n\u00ed mezi v\u00edce ne\u017e tis\u00edcovkou respondent\u016f ve v\u011bku od 18 do 70 let, si p\u0159ibli\u017en\u011b ka\u017ed\u00fd druh\u00fd \u010cech \u017e\u00e1dn\u00e9 \u00faspory na d\u016fchod nevytv\u00e1\u0159\u00ed. Je pot\u0159eba dodat, \u017ee tato skupina dotazovan\u00fdch se ani touto ot\u00e1zkou na budoucnost p\u0159\u00edli\u0161 nezab\u00fdv\u00e1. Ta druh\u00e1 \u010d\u00e1st naopak sv\u00e9 \u00faspory \u0159e\u0161\u00ed, to j\u00ed rozhodn\u011b lze \u201ep\u0159ipsat k dobru\u201d, ale re\u00e1ln\u011b disponuj\u00ed naspo\u0159enou \u010d\u00e1stkou do 300 tis\u00edc korun.    Zodpov\u011bdn\u011bji se v\u016f\u010di ot\u00e1zce spo\u0159en\u00ed chovaj\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed p\u00e1r let do d\u016fchodu. Dal\u0161\u00ed skupinu s odpov\u011bdn\u00fdm p\u0159\u00edstupem p\u0159edstavuj\u00ed vysoko\u0161kolsky vzd\u011blan\u00ed lid\u00e9. Mezi nimi se dokonce najde zhruba ka\u017ed\u00fd p\u00e1t\u00fd, kter\u00fd ji\u017e m\u00e1 naspo\u0159eno p\u0159es milion korun \u2013 a to u\u017e je \u010d\u00e1stka, se kterou se v d\u016fchodu ur\u010dit\u011b \u017eije l\u00e9pe. Bez zapo\u010dten\u00ed mo\u017enosti \u00faro\u010den\u00ed byste si k d\u016fchodu mohli ka\u017ed\u00fd m\u011bs\u00edc p\u0159idat 5 tis\u00edc korun z \u00faspor po dobu necel\u00fdch 17 let. Je pot\u0159eba zd\u016fraznit, \u017ee naspo\u0159enou \u010d\u00e1stku m\u016f\u017eete vhodn\u011b investovat a \u00faro\u010dit po dobu, kdy u\u017e budete v d\u016fchodu, tak\u017ee v\u00e1m sama o sob\u011b vygeneruje je\u0161t\u011b dal\u0161\u00ed finance \u2013 o ty si m\u016f\u017eete nav\u00fd\u0161it m\u011bs\u00ed\u010dn\u00ed \u201ep\u0159ilep\u0161en\u00ed\u201c anebo si prodlou\u017eit obdob\u00ed, po jak\u00e9 budete pen\u00edze od\u010derp\u00e1vat. Rozhodn\u011b se vyplat\u00ed nenechat v\u0161echny naspo\u0159en\u00e9 pen\u00edze jen tak le\u017eet na b\u011b\u017en\u00e9m \u00fa\u010dtu, i kdy\u017e samoz\u0159ejm\u011b pohotovostn\u00ed rezervu je dobr\u00e9 m\u00edt za v\u0161ech okolnost\u00ed.   Mezi lidmi panuj\u00ed rozd\u00edln\u00e9 p\u0159estavy o v\u00fd\u0161i \u010d\u00e1stky pot\u0159ebn\u00e9 k naspo\u0159en\u00ed na d\u016fchod. S v\u011bkem se jej\u00ed v\u00fd\u0161e sni\u017euje, tak\u017ee kr\u00e1tce p\u0159ed d\u016fchodem ji\u017e m\u00e1me n\u00e1roky ni\u017e\u0161\u00ed. Lid\u00e9 ve v\u011bku 60 a\u017e 70 let, z nich\u017e n\u011bkte\u0159\u00ed jsou ji\u017e d\u016fchodci, se domn\u00edvaj\u00ed, \u017ee by m\u011bli m\u00edt naspo\u0159eno tak 830 tis\u00edc korun. V obdob\u00ed p\u0159ed d\u016fchodem, tj. ve v\u011bku 45 a\u017e 59 let, jsou na sebe \u010ce\u0161i je\u0161t\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed, jejich p\u0159edstavy se bl\u00ed\u017e\u00ed k 1,5 milion\u016fm korun.   Nap\u0159\u00ed\u010d r\u016fzn\u00fdm v\u011bkem se lid\u00e9 shoduj\u00ed v p\u0159\u00e1n\u00ed m\u00edt naspo\u0159eno ide\u00e1ln\u011b podstatn\u011b v\u00edce, ne\u017e odpov\u00edd\u00e1 realit\u011b. Na prahu d\u016fchodu \u010di na jeho za\u010d\u00e1tku vid\u00ed dot\u00e1zan\u00ed ve v\u011bku 60 a\u017e 70 let situaci tak, \u017ee ide\u00e1l by p\u0159edstavoval naspo\u0159en\u00e9 bezm\u00e1la 2 miliony korun, ale prakticky disponuj\u00ed v lep\u0161\u00edm p\u0159\u00edpad\u011b \u010d\u00e1stkou, jak ji\u017e bylo zm\u00edn\u011bno, 830 tis\u00edc korun. Vysn\u011bnou metou \u010cech\u016f pro d\u016fchodov\u00fd v\u011bk je 2,6 milion\u016f korun, k t\u00e9 se ale p\u0159ibl\u00ed\u017e\u00ed jen m\u00e1lo z nich.                                                                                                                                                                                                                                                                                                                                                                                                   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