{"id":1451,"date":"2011-06-13T20:12:05","date_gmt":"2011-06-13T18:12:05","guid":{"rendered":"http:\/\/staging.cernosice.cz\/?p=1451"},"modified":"2011-06-13T20:26:05","modified_gmt":"2011-06-13T18:26:05","slug":"proc-je-nutna-duchodova-reforma","status":"publish","type":"post","link":"https:\/\/blog.cernosice.cz\/index.php\/2011-06-13-proc-je-nutna-duchodova-reforma","title":{"rendered":"Pro\u010d je nutn\u00e1 d\u016fchodov\u00e1 reforma"},"content":{"rendered":"

D\u016fchodov\u00e1 reforma je nutn\u00e1 p\u0159edev\u0161\u00edm proto, \u017ee sou\u010dasn\u00fd pr\u016fb\u011b\u017en\u00fd syst\u00e9m nefunguje. Abych uk\u00e1zal, pro\u010d nefunguje, sta\u010d\u00ed pochopit dv\u011b \u010d\u00edsla. Jedn\u00e1 se o\u00a0st\u0159edn\u00ed d\u00e9lku \u017eivota<\/strong> a v\u011bk odchodu do d\u016fchodu<\/strong>. Pokud jsou tyto dv\u011b veli\u010diny nastaveny spr\u00e1vn\u011b, m\u016f\u017ee pr\u016fb\u011b\u017en\u00fd syst\u00e9m bez probl\u00e9mu fungovat a dokonce za ur\u010dit\u00fdch okolnost\u00ed generovat zisk. (D\u016fle\u017eit\u00e1 je samoz\u0159ejm\u011b tak\u00e9 v\u00fd\u0161e odvod\u016f do syst\u00e9mu a v\u00fd\u0161e n\u00e1sledn\u00e9 penze, ale to prozat\u00edm ignorujme.)<\/p>\n

Zat\u00edmco v\u011bk odchodu do d\u016fchodu lze pom\u011brn\u011b snadno m\u011bnit (i\u00a0kdy\u017e se spousta lid\u00ed bude h\u00e1dat), naopak st\u0159edn\u00ed d\u00e9lka \u017eivota je dan\u00e1 a nic s\u00a0n\u00ed neud\u011bl\u00e1me a je\u0161t\u011b se (vzhledem ke kvalit\u011b na\u0161eho \u017eivota a s\u00a0ohledem na zdravotn\u00ed p\u00e9\u010di) bude d\u00e1le zvy\u0161ovat.<\/p>\n

Ud\u011blal jsem si tu pr\u00e1ci a na\u0161el jsem \u010d\u00edsla, kter\u00e1 V\u00e1s mo\u017en\u00e1 dost p\u0159ekvap\u00ed. V\u00a0roce 1928<\/strong>\u00a0odch\u00e1zeli mu\u017ei do d\u016fchodu v\u00a065ti letech<\/strong>\u00a0\u2013 zdrojem je Bakal\u00e1\u0159sk\u00e1 pr\u00e1ce Vladislavy Strnadov\u00e9<\/a>. Za ur\u010dit\u00fdch okolnost\u00ed to mohlo b\u00fdt i\u00a0d\u0159\u00edve. Z\u00e1kony si m\u016f\u017eete bez probl\u00e9mu nastudovat dle pot\u0159eby. Pro n\u00e1\u0161 v\u00fdpo\u010det bude toto \u010d\u00edslo sta\u010dit. Zaj\u00edmav\u00e9 je, \u017ee s\u00a0\u010dasem se nejd\u0159\u00edve tento v\u011bk za\u010dal sni\u017eovat k\u00a060ti let\u016fm a n\u00e1sledn\u011b op\u011bt zvy\u0161ovat na dne\u0161n\u00edch 65\u00a0let. Ve v\u00fdsledku je tedy na stejn\u00e9 \u00farovni jako byl p\u0159ed 80ti\u00a0lety.<\/p>\n

St\u0159edn\u00ed d\u00e9lku \u017eivota jsem nalezl v\u00a0\u010dl\u00e1nku Demografick\u00e1 bublina<\/a> a dovoluji si p\u0159ebrat pou\u017eit\u00fd obr\u00e1zek:<\/p>\n

\"\"<\/div>\n

Z\u00a0tohoto grafu je vid\u011bt, \u017ee zat\u00edmco st\u0159edn\u00ed d\u00e9lka \u017eivota mu\u017e\u016f v\u00a0\u010cR v\u00a0roce 1928\u00a0byla kolem 53\u00a0let, dne\u0161n\u00ed d\u016fchodci se do\u017e\u00edvaj\u00ed v\u00a0pr\u016fm\u011bru 73\u00a0let. Tak\u017ee zat\u00edmco v\u00a0roce 1928\u00a0byla velk\u00e1 \u0161ance, \u017ee um\u0159ete 12\u00a0let p\u0159edt\u00edm, ne\u017e budete m\u00edr n\u00e1rok na penzi, v\u00a0roce 2011\u00a0se pravd\u011bpodobn\u011b d\u016fchodu bez probl\u00e9mu do\u017eijete a je\u0161t\u011b si jej budete moci 8\u00a0let u\u017e\u00edvat. Za posledn\u00edch 80\u00a0let se st\u0159edn\u00ed d\u00e9lka na\u0161eho \u017eivota prodlou\u017eila o\u00a020\u00a0let a v\u011bk odchodu do d\u016fchodu z\u016fstal p\u0159itom na stejn\u00e9 \u00farovni.<\/p>\n

U\u00a0\u017een je rozd\u00edl je\u0161t\u011b vy\u0161\u0161\u00ed. Bezd\u011btn\u00e9 \u017eeny se v\u00a0roce 1928\u00a0do\u017e\u00edvaly v\u011bku kolem 55\u00a0let, dnes se do\u017e\u00edvaj\u00ed v\u011bku 80\u00a0let, tj. o\u00a025\u00a0v\u00edce. Do d\u016fchodu odch\u00e1zely v\u00a0roce 1923\u00a0ve v\u011bku 65\u00a0let, bezd\u011btn\u00e1 \u017eena kter\u00e1 se v\u00a0tomto roce stane d\u016fchodcem m\u00e1 v\u011bk 61\u00a0let. Co\u017e znamen\u00e1, \u017ee v\u00a0d\u016fchodu str\u00e1v\u00ed v\u00a0pr\u016fm\u011bru 19\u00a0let\u00a0\u2013 co\u017e je dost nep\u0159esn\u00e9 \u010d\u00edslo, proto\u017ee za 19\u00a0let bude st\u0159edn\u00ed d\u00e9lka \u017eivota u\u00a0\u017een v\u00a0\u010cR kolem 84\u00a0let\u2026<\/p>\n

Samoz\u0159ejm\u011b je nesmysl, aby lid\u00e9 chodili do d\u016fchodu ve v\u011bku 85ti let\u00a0\u2013 o\u00a0to se dok\u00e1\u017ee postarat v\u00fd\u0161e odvod\u016f a v\u00fd\u0161e d\u016fchod\u016f; ale pr\u00e1v\u011b proto je nutn\u00e1 komplexn\u00ed reforma, jej\u00edch\u017e c\u00edlem nebude pouze posun d\u016fchodov\u00e9ho\u00a0v\u011bku.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

D\u016fchodov\u00e1 reforma je nutn\u00e1 p\u0159edev\u0161\u00edm proto, \u017ee sou\u010dasn\u00fd pr\u016fb\u011b\u017en\u00fd syst\u00e9m nefunguje. Abych uk\u00e1zal, pro\u010d nefunguje, sta\u010d\u00ed pochopit dv\u011b \u010d\u00edsla. Jedn\u00e1 se o\u00a0st\u0159edn\u00ed d\u00e9lku \u017eivota a v\u011bk odchodu do d\u016fchodu. Pokud jsou tyto dv\u011b veli\u010diny nastaveny spr\u00e1vn\u011b, m\u016f\u017ee pr\u016fb\u011b\u017en\u00fd syst\u00e9m bez probl\u00e9mu fungovat a dokonce za ur\u010dit\u00fdch okolnost\u00ed generovat zisk. (D\u016fle\u017eit\u00e1 je samoz\u0159ejm\u011b tak\u00e9 v\u00fd\u0161e odvod\u016f … Pokra\u010dovat ve \u010dten\u00ed „Pro\u010d je nutn\u00e1 d\u016fchodov\u00e1 reforma“<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1451","post","type-post","status-publish","format-standard","hentry","category-finance"],"yoast_head":"\nPro\u010d je nutn\u00e1 d\u016fchodov\u00e1 reforma – Prochaine Bloguje<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.cernosice.cz\/index.php\/2011-06-13-proc-je-nutna-duchodova-reforma\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pro\u010d je nutn\u00e1 d\u016fchodov\u00e1 reforma – Prochaine Bloguje\" \/>\n<meta property=\"og:description\" content=\"D\u016fchodov\u00e1 reforma je nutn\u00e1 p\u0159edev\u0161\u00edm proto, \u017ee sou\u010dasn\u00fd pr\u016fb\u011b\u017en\u00fd syst\u00e9m nefunguje. Abych uk\u00e1zal, pro\u010d nefunguje, sta\u010d\u00ed pochopit dv\u011b \u010d\u00edsla. Jedn\u00e1 se o\u00a0st\u0159edn\u00ed d\u00e9lku \u017eivota a v\u011bk odchodu do d\u016fchodu. Pokud jsou tyto dv\u011b veli\u010diny nastaveny spr\u00e1vn\u011b, m\u016f\u017ee pr\u016fb\u011b\u017en\u00fd syst\u00e9m bez probl\u00e9mu fungovat a dokonce za ur\u010dit\u00fdch okolnost\u00ed generovat zisk. 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