{"id":1,"date":"2023-12-24T08:56:06","date_gmt":"2023-12-24T07:56:06","guid":{"rendered":"http:\/\/bintigroup.com\/?p=1"},"modified":"2024-05-03T17:53:23","modified_gmt":"2024-05-03T15:53:23","slug":"dip","status":"publish","type":"post","link":"https:\/\/bintigroup.com\/vi\/dip\/","title":{"rendered":"T\u1ea5t c\u1ea3 v\u1ec1 DIP: C\u00e1ch ho\u1ea1t \u0111\u1ed9ng ch\u00ednh x\u00e1c!"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1\" class=\"elementor elementor-1\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54db9dd3 e-flex e-con-boxed e-con e-parent\" data-id=\"54db9dd3\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26b19b7d elementor-widget elementor-widget-text-editor\" data-id=\"26b19b7d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.18.0 - 20-12-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<!-- wp:heading {\"fontSize\":\"large\"} -->\n<h2 class=\"wp-block-heading has-large-font-size\">DIP v kostce:<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph -->\n<p>S\u00a0p\u0159\u00edchodem Nov\u00e9ho roku odstartovala nov\u00e1 strategie, jak se mohou \u010ce\u0161i finan\u010dn\u011b zabezpe\u010dit na st\u00e1\u0159\u00ed s\u00a0podporou st\u00e1tu. Od 1.\u00a0ledna 2024\u00a0je tady\u00a0<a href=\"https:\/\/www.mesec.cz\/n\/dlouhodoby-investicni-produkt-dip\/\">dlouhodob\u00fd investi\u010dn\u00ed produkt<\/a>\u00a0(DIP) a jeho smyslem je p\u0159in\u00e9st takov\u00e9 \u00falevy na dan\u00edch, aby lidi p\u0159esv\u011bd\u010dil, \u017ee se nemaj\u00ed b\u00e1t investic a vzali starost o\u00a0sv\u00e9 st\u00e1\u0159\u00ed do vlastn\u00edch\u00a0rukou.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Jednodu\u0161e \u0159e\u010deno: DIP je investi\u010dn\u00ed produkt, ve kter\u00e9m investujete do akci\u00ed, dluhopis\u016f \u010di investi\u010dn\u00edch fond\u016f. Tedy v&nbsp;podstat\u011b n\u011bco podobn\u00e9ho, co vlastn\u00edte u\u017e te\u010f, pokud m\u00e1te sjednan\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, nebo si plat\u00edte investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, p\u0159\u00edpadn\u011b t\u0159eba investujete do fond\u016f ve sv\u00e9 bance. DIP ale v\u00fdrazn\u011b roz\u0161i\u0159uje mo\u017enosti, do \u010deho m\u016f\u017eete investovat, abyste mohli m\u00edt n\u00e1rok na da\u0148ov\u00e9 \u00falevy.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>DIP je tedy souhrnn\u00fd n\u00e1zev pro jak nov\u00e9, tak i&nbsp;u\u017e existuj\u00edc\u00ed finan\u010dn\u00ed produkty,&nbsp;<strong>kter\u00e9 umo\u017e\u0148uj\u00ed vytv\u00e1\u0159en\u00ed \u00faspor na st\u00e1\u0159\u00ed<\/strong>&nbsp;a kter\u00e9 v\u00e1m nov\u011b mohou nab\u00eddnout:<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Banky,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>spo\u0159iteln\u00ed a \u00fav\u011brn\u00ed dru\u017estva,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>obchodn\u00edci s&nbsp;cenn\u00fdmi pap\u00edry,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>samospr\u00e1vn\u00e9 investi\u010dn\u00ed fondy,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>zahrani\u010dn\u00ed osoby s&nbsp;obdobnou \u010dinnost\u00ed,<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph -->\n<p>p\u0159i\u010dem\u017e v\u0161echny tyto uveden\u00e9 subjekty mus\u00ed m\u00edt licenci \u010cesk\u00e9 n\u00e1rodn\u00ed banky, kter\u00e1 je oprav\u0148uje poskytovat tyto investi\u010dn\u00ed \u010di spo\u0159ic\u00ed produkty v\u00a0\u010cR.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"fontSize\":\"large\"} -->\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"h20\">V&nbsp;\u010dem se li\u0161\u00ed DIP od klasick\u00e9ho \u201epenzijka\u201c?<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>V&nbsp;r\u00e1mci penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed (v&nbsp;transformovan\u00fdch fondech) nebo dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed m\u016f\u017eete investovat jen do \u00fa\u010dastnick\u00fdch fond\u016f, kter\u00e9 nab\u00edz\u00ed dan\u00e1 penzijn\u00ed spole\u010dnost. Nem\u00e1te kontrolu nad t\u00edm, jak penzijn\u00ed spole\u010dnost s&nbsp;investovan\u00fdmi pen\u011bzi nakl\u00e1d\u00e1. Naproti tomu v&nbsp;DIPu si m\u016f\u017eete nastavit investice podle sv\u00e9ho uv\u00e1\u017een\u00ed a slo\u017een\u00ed investic m\u016f\u017eete v&nbsp;pr\u016fb\u011bhu \u010dasu libovoln\u011b&nbsp;m\u011bnit.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Od leto\u0161n\u00edho roku m\u016f\u017eete m\u00edt jak sv\u00e9 st\u00e1vaj\u00edc\u00ed penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed (PP) nebo dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (DPS), tak i&nbsp;DIP, nebo dokonce n\u011bkolik DIP\u016f u&nbsp;r\u016fzn\u00fdch spole\u010dnost\u00ed.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>P\u0159evod dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed na dlouhodob\u00fd investi\u010dn\u00ed produkt v\u0161ak mo\u017en\u00fd nen\u00ed. Jedin\u011b byste museli \u201epenzijko\u201c ukon\u010dit a pen\u00edze vlo\u017eit do nov\u00e9ho DIPu, to v\u0161ak nedoporu\u010dujeme ud\u011blat, proto\u017ee p\u0159i p\u0159ed\u010dasn\u00e9m ukon\u010den\u00ed penzijka mus\u00edte vr\u00e1tit st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky, a je\u0161t\u011b byste museli zdanit 15&nbsp;% va\u0161e vlastn\u00ed p\u0159\u00edsp\u011bvky, p\u0159\u00edsp\u011bvky zam\u011bstnavatele i&nbsp;pod\u00edl z&nbsp;v\u00fdnosu.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"fontSize\":\"large\"} -->\n<h2 class=\"wp-block-heading has-large-font-size\" id=\"h20-0\">Da\u0148ov\u00e1 zv\u00fdhodn\u011bn\u00ed a pravidla DIPu<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Ka\u017ed\u00fd rok si m\u016f\u017eete ode\u010d\u00edst ze z\u00e1kladu dan\u011b&nbsp;<strong>celkem a\u017e<\/strong>&nbsp;<strong>48&nbsp;000&nbsp;K\u010d<\/strong>&nbsp;za zda\u0148ovac\u00ed obdob\u00ed. T\u00edm ro\u010dn\u011b uspo\u0159\u00edte na dan\u00edch a\u017e&nbsp;<strong>7200&nbsp;K\u010d<\/strong>.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Na DIP v\u00e1m m\u016f\u017ee p\u0159isp\u00edvat v\u00e1\u0161 zam\u011bstnavatel (stejn\u011b jako tomu bylo doposud u \u201epenzijka\u201c nebo \u201e\u017eivotka\u201c). Zam\u011bstnavatel si bude moct d\u00e1t tyto p\u0159\u00edsp\u011bvky do n\u00e1klad\u016f coby da\u0148ov\u011b podporovan\u00e9 produkty na st\u00e1\u0159\u00ed zam\u011bstnance, a to a\u017e do v\u00fd\u0161e<strong>50&nbsp;000&nbsp;K\u010d<\/strong>&nbsp;ro\u010dn\u011b.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Znamen\u00e1 to, \u017ee maxim\u00e1ln\u00ed da\u0148ovou podporu od st\u00e1tu z\u00edsk\u00e1te, kdy\u017e si budete do DIPu pos\u00edlat&nbsp;<strong>4000&nbsp;K\u010d<\/strong>. Pen\u00edze, kter\u00e9 investujete nad tuto \u010d\u00e1stku, u\u017e m\u00edt zv\u00fdhodn\u011bn\u00e9 nebudete. Zam\u011bstnavatele se bude t\u00fdkat da\u0148ov\u00e1 \u00faleva na p\u0159\u00edsp\u011bvky v&nbsp;podobn\u00e9 v\u00fd\u0161i,&nbsp;<strong>4127&nbsp;K\u010d<\/strong>.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"large\"} -->\n<h3 class=\"wp-block-heading has-large-font-size\" id=\"h31\">Podm\u00ednky pro da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00ed<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list -->\n<ul><!-- wp:list-item -->\n<li>Investov\u00e1n\u00ed do DIPu mus\u00ed trvat minim\u00e1ln\u011b 120&nbsp;m\u011bs\u00edc\u016f (10&nbsp;let),<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>ukon\u010dit ho m\u016f\u017eete nejd\u0159\u00edve v&nbsp;kalend\u00e1\u0159n\u00edm roce, kdy dos\u00e1hnete v\u011bku 60&nbsp;let.<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Pokud tyto dv\u011b podm\u00ednky nedodr\u017e\u00edte a DIP zru\u0161\u00edte, budete muset vr\u00e1tit ve\u0161ker\u00e9 da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00ed, kter\u00e9 jste za dobu investov\u00e1n\u00ed z\u00edskali.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f1b03d elementor-widget elementor-widget-button\" data-id=\"5f1b03d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/bintigroup.com\/vi\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">zp\u011bt na web<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>DIP v kostce: S\u00a0p\u0159\u00edchodem Nov\u00e9ho roku odstartovala nov\u00e1 strategie, jak se mohou \u010ce\u0161i finan\u010dn\u011b zabezpe\u010dit na st\u00e1\u0159\u00ed s\u00a0podporou st\u00e1tu. Od 1.\u00a0ledna 2024\u00a0je tady\u00a0dlouhodob\u00fd investi\u010dn\u00ed produkt\u00a0(DIP) a jeho smyslem je p\u0159in\u00e9st takov\u00e9 \u00falevy na dan\u00edch, aby lidi p\u0159esv\u011bd\u010dil, \u017ee se nemaj\u00ed b\u00e1t investic a vzali starost o\u00a0sv\u00e9 st\u00e1\u0159\u00ed do vlastn\u00edch\u00a0rukou. Jednodu\u0161e \u0159e\u010deno: DIP je investi\u010dn\u00ed produkt, &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/bintigroup.com\/vi\/dip\/\"> <span class=\"screen-reader-text\">T\u1ea5t c\u1ea3 v\u1ec1 DIP: C\u00e1ch ho\u1ea1t \u0111\u1ed9ng ch\u00ednh x\u00e1c!<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"elementor_header_footer","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1","post","type-post","status-publish","format-standard","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/posts\/1","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/comments?post=1"}],"version-history":[{"count":7,"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/posts\/1\/revisions"}],"predecessor-version":[{"id":1696,"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/posts\/1\/revisions\/1696"}],"wp:attachment":[{"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/media?parent=1"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/categories?post=1"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bintigroup.com\/vi\/wp-json\/wp\/v2\/tags?post=1"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}