{"id":23138,"date":"2023-02-18T10:39:20","date_gmt":"2023-02-18T09:39:20","guid":{"rendered":"http:\/\/www.infokuryr.cz\/n\/?p=23138"},"modified":"2023-02-18T10:39:20","modified_gmt":"2023-02-18T09:39:20","slug":"zbynek-fiala-vlada-s-penzemi-narazila","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2023\/02\/18\/zbynek-fiala-vlada-s-penzemi-narazila\/","title":{"rendered":"Zbyn\u011bk Fiala: Vl\u00e1da s penzemi narazila"},"content":{"rendered":"
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Jen kr\u00e1tce vydr\u017eela Jure\u010dkova p\u0159edstava o trval\u00e9m okle\u0161t\u011bn\u00ed valoriza\u010dn\u00edho vzorce pro d\u016fchody a mo\u017en\u00e1 p\u0159ijde i o to jednoro\u010dn\u00ed. Za\u010d\u00edn\u00e1 tak\u00e9 boj proti prodlu\u017eov\u00e1n\u00ed v\u011bku odchodu do d\u016fchodu. Neznamen\u00e1 to, \u017ee se ne\u0159\u00edt\u00edme do dluh\u016f, ale zachra\u0148ovat se to mus\u00ed jinde, kde to p\u016fjde sn\u00e1z.<\/strong><\/p>\n

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Veden\u00ed \u010ceskomoravsk\u00e9 konfederace odborov\u00fdch svaz\u016f (\u010cMKOS) se probudilo a za\u010dalo kritizovat vl\u00e1du za to, \u017ee s nimi nejedn\u00e1 o reform\u011b penz\u00ed. Po\u017e\u00e1dalo proto premi\u00e9ra Petra Fialu (ODS) o projedn\u00e1n\u00ed n\u00e1vrh\u016f na b\u0159eznov\u00e9 tripartit\u011b. Novin\u00e1\u0159\u016fm to \u0159ekl p\u0159edseda Josef St\u0159edula. Odbor\u00e1\u0159i z nejsiln\u011bj\u0161\u00edho svazu KOVO u\u017e pr\u00fd debatuj\u00ed o protestn\u00edch akc\u00edch. Odbory jsou proti zvy\u0161ov\u00e1n\u00ed d\u016fchodov\u00e9ho v\u011bku a\u017e na 68 let i proti navrhovan\u00e9mu omezen\u00ed mimo\u0159\u00e1dn\u00e9 valorizace d\u016fchod\u016f v \u010dervnu.<\/p>\n

T\u0159eba si p\u0159edt\u00edm p\u0159e\u010detli statistiky, kter\u00e9 opublikoval Vlk na Kose, a mohli si pov\u0161imnout, \u017ee v d\u00e9lce d\u016fchodov\u00e9ho \u017eivota ve zdrav\u00ed je \u010cesk\u00e1 republika a\u017e na 25. m\u00edst\u011b z 38 \u010dlen\u016f 0ECD, daleko za sousedn\u00edm Rakouskem (7.) nebo N\u011bmeckem 15.). Pokud jde o pr\u016fm\u011brn\u00fd d\u016fchod, Rakousko je na hladin\u011b 1400 euro, N\u011bmecko 1000 euro, ale \u010cesko jen 600 euro. V souhrnu jsou \u010desk\u00e9 soci\u00e1ln\u00ed v\u00fddaje hluboce podpr\u016fm\u011brn\u00e9 (7,4 procenta z HDP) ne\u017e je unijn\u00ed pr\u016fm\u011br 10,4 procenta. Rakousko d\u00e1v\u00e1 12,4 a N\u011bmecko 9,5 procenta z HDP.<\/p>\n

https:\/\/vlkovobloguje.wordpress.com\/2023\/02\/16\/flash-ve-vlastni-veci-trikolora-dnes-vecer-s-vlkem-nebude\/#more-996212<\/a><\/p>\n

Nyn\u00ed se pokusila penzijn\u00ed debatu zpest\u0159it taky \u010cS\u00da, kdy\u017e publikovala n\u00e1sleduj\u00edc\u00ed zpr\u00e1vu:\u00a0\u201eHodnota penzijn\u00edch z\u00e1vazk\u016f dom\u00e1cnost\u00ed (n\u00e1rok sou\u010dasn\u00fdch i budouc\u00edch penzist\u016f ze v\u0161ech typ\u016f penz\u00ed) ke konci roku 2020 dos\u00e1hla \u00farovn\u011b 305,8 % HDP.\u201c<\/em><\/p>\n

https:\/\/www.czso.cz\/csu\/czso\/podil-penzijnich-zavazku-na-hdp-se-mirne-zvysil<\/a><\/p>\n

Proboha, spadly na n\u00e1s odn\u011bkud sh\u016fry z\u00e1vazky t\u0159\u00ed ro\u010dn\u00edch HDP?? Nen\u00ed to n\u011bjak\u00e1 pt\u00e1kovina? Jak spr\u00e1vn\u011b v uveden\u00e9 zpr\u00e1v\u011b \u010dtete, je to sou\u010det toho, co by se m\u011blo vyplatit sou\u010dasn\u00fdm i budouc\u00edm penzist\u016fm. A pro\u010d t\u011bm budouc\u00edm? Ti p\u0159ece budou tak\u00e9 cel\u00fd \u017eivot p\u0159isp\u00edvat na n\u011bjak\u00e9 penzijn\u00ed poji\u0161t\u011bn\u00ed, ze kter\u00e9ho jsou v na\u0161em pr\u016fb\u011b\u017en\u00e9m syst\u00e9mu okam\u017eit\u011b vypl\u00e1ceni jejich star\u0161\u00ed spoluob\u010dan\u00e9. A po nich zase nastoup\u00ed ti mlad\u0161\u00ed, a\u017e si p\u016fjde odpo\u010dinout generace jejich rodi\u010d\u016f. N\u00e1s syst\u00e9m je financov\u00e1n z m\u011bs\u00edce na m\u011bs\u00edc \u2013 jak se to vybere, tak se to rozd\u00e1. Pro\u010d by n\u00e1s m\u011blo zaj\u00edmat, kolik to hod\u00ed \u0159ekn\u011bme za 50 let??<\/p>\n

\u010cili je to pt\u00e1kovina. P\u0159esto se zcela ur\u010dit\u011b najdou dobr\u00e1ci, kte\u0159\u00ed t\u00edm budou stra\u0161it jako nep\u0159iznanou \u010d\u00e1st\u00ed st\u00e1tn\u00edho dluhu. \u00dapln\u011b v\u0161ecko asi dluh nen\u00ed, p\u00e1r miliard na \u00fa\u010dtech poji\u0161t\u011bn\u00ed m\u00e1me, ale rezervu n\u011bkolika celoro\u010dn\u00edch produkc\u00ed ve\u0161ker\u00e9ho zbo\u017e\u00ed a slu\u017eeb, to tedy ur\u010dit\u011b ne.<\/p>\n

Dluh by to v\u0161ak byl, kdybychom n\u00e1\u0161 pr\u016fb\u011b\u017en\u00fd syst\u00e9m zru\u0161ili a zavedli m\u00edsto n\u011bj fondov\u00e9 hospoda\u0159en\u00ed. O tom sn\u00ed bank\u00e9\u0159i, jejich\u017e rukama by to proch\u00e1zelo. Mnohem v\u00e1\u017en\u011bji ne\u017e vzd\u00e1len\u00e9 celkov\u00e9 z\u00e1vazky by v\u0161ak brali okam\u017eit\u00e9 poplatky za sv\u00e9 slu\u017eby. M\u011bli by prostor i pro r\u016fzn\u00e9 investi\u010dn\u00ed kousky, m\u011bn\u00edc\u00ed chim\u00e9ry ze statistick\u00fdch cvi\u010den\u00ed na skute\u010dn\u00e9 v\u00fdpadky financov\u00e1n\u00ed. Sta\u010d\u00ed se pod\u00edvat, jak te\u010f dopadly sou\u010dasn\u00e9 \u010desk\u00e9 dopl\u0148kov\u00e9 penzijn\u00ed fondy, nebo i ty nejv\u011bt\u0161\u00ed penzijn\u00ed fondy v Evrop\u011b a Americe, kdy\u017e jim inflace a zvy\u0161ov\u00e1n\u00ed \u00farokov\u00e9 m\u00edry znehodnotily majetek investovan\u00fd do dluhopis\u016f.<\/p>\n

\u010cesk\u00fd sta\u0165\u00e1k si poln\u00ed cvi\u010den\u00ed s budouc\u00edmi penzijn\u00edmi z\u00e1vazky nevymyslel, je to jeden z evropsk\u00fdch v\u00fdkaz\u016f v souvislosti s n\u00e1rodn\u00edmi \u00fa\u010dty, kter\u00fd se po\u010d\u00edt\u00e1 jednou za t\u0159i roky povinn\u011b a v mezidob\u00ed dobrovoln\u011b. Trochu n\u00e1s uklidn\u00ed podrobn\u011bj\u0161\u00ed vysv\u011btlen\u00ed, \u017ee za ty t\u0159i roky (do roku 2021) se toho s d\u016fchody tolik nestalo. N\u00e1r\u016fst t\u011bchto z\u00e1vazk\u016f v pom\u011bru k HDP se zv\u00fd\u0161il o 4,7 procenta, ale hlavn\u011b proto, \u017ee za covidu roku 2020 ekonomika zaznamenala pokles.\u00a0\u201eAbsolutn\u00ed v\u00fd\u0161e penzijn\u00edch z\u00e1vazk\u016f se v d\u016fsledku \u0159ady protich\u016fdn\u00fdch vliv\u016f zv\u00fd\u0161ila jen o 24 mld. K\u010d,\u201c\u00a0<\/em>shrnuje \u0159editelka odboru vl\u00e1dn\u00edch a finan\u010dn\u00edch \u00fa\u010dt\u016f Helena Hou\u017evi\u010dkov\u00e1.<\/p>\n

Probl\u00e9m tedy nen\u00ed ani tak v penz\u00edch, jako v ekonomice. \u010c\u00edslo, se kter\u00fdm po\u010d\u00edt\u00e1me, p\u0159itom pro\u0161lo po\u0159\u00e1dnou statistickou ml\u00fdnic\u00ed. Je diskontovan\u00e9, \u0159\u00edk\u00e1 tedy, kolik bychom pot\u0159ebovali, kdybychom to m\u011bli pokr\u00fdt za ur\u010dit\u00e9 \u00farokov\u00e9 m\u00edry. Ale za jak\u00e9? Co kdy\u017e se desetkr\u00e1t d\u016frazn\u011b zm\u011bn\u00ed (a n\u011bkte\u0159\u00ed fondov\u00ed investo\u0159i tu zm\u011bnu neustoj\u00ed)? A s kolika penzisty se po\u010d\u00edt\u00e1, a na jak dlouho? Dohon\u00edme evropsk\u00fd pr\u016fm\u011br v d\u00e9lce v\u011bku? A kolik vlastn\u011b bude pl\u00e1tc\u016f poji\u0161t\u011bn\u00ed, kdy\u017e pr\u00e1ce zmiz\u00ed, a\u017e bude za dvacet, t\u0159icet let kdeco automatizov\u00e1no a robotizov\u00e1no??<\/p>\n

Potvrzen\u00ed, \u017ee cel\u00fd tento v\u00fdpo\u010det je pt\u00e1kovina, najdeme v posledn\u00ed v\u011bt\u011b uveden\u00e9 zpr\u00e1vy, ve kter\u00e9 n\u00e1s \u010cS\u00da uji\u0161\u0165uje, \u017ee hodnota na\u0161ich penzijn\u00edch n\u00e1rok\u016f z pr\u016fb\u011b\u017en\u00e9ho syst\u00e9mu nen\u00ed zapo\u010d\u00edt\u00e1na do dluhu vl\u00e1dn\u00edch instituc\u00ed \u010dili nezat\u011b\u017euje tzv. maastrichtsk\u00e9 krit\u00e9rium. Spo\u010d\u00edtejte si to, ale neberte to v\u00e1\u017en\u011b\u2026<\/p>\n

Nezapom\u00ednejme tak\u00e9, \u017ee d\u016fchodov\u00fd a da\u0148ov\u00fd syst\u00e9m jsou v \u010cesku spojen\u00e9 n\u00e1doby. D\u016fchody jsou sou\u010d\u00e1st\u00ed st\u00e1tn\u00edho rozpo\u010dtu, by\u0165 jsou z v\u011bt\u0161\u00ed \u010d\u00e1sti financov\u00e1ny zvl\u00e1\u0161\u0165. V minulosti se b\u011b\u017en\u011b st\u00e1valo, \u017ee p\u0159ebytek na d\u016fchodov\u00e9m \u00fa\u010dtu pokr\u00fdval n\u011bjak\u00e9 jin\u00e9 pot\u0159eby st\u00e1tn\u00edch v\u00fddaj\u016f. Posledn\u00ed dobou je to obr\u00e1cen\u011b, ale toto nedostate\u010dn\u00e9 nastaven\u00ed zdroj\u016f na d\u016fchody je \u00famysln\u00e9, je vlo\u017eeno do z\u00e1kon\u016f a p\u0159edpis\u016f, a nikoliv jen p\u0159edpis\u016f o valorizaci.<\/p>\n

Te\u010f budu mluvit proti sob\u011b, jsem taky OSV\u010c, ale milion podobn\u00fdch pl\u00e1tc\u016f d\u00e1v\u00e1 do syst\u00e9mu osminu toho, co \u010dty\u0159i miliony zam\u011bstnanc\u016f. OSV\u010c plat\u00ed taky ni\u017e\u0161\u00ed dan\u011b, pokud se pro n\u011bjak\u00e9 v\u016fbec rozhodnou. Mohou toti\u017e vyu\u017e\u00edvat nerealisticky vysoko nastaven\u00e9 ode\u010dty n\u00e1klad\u016f. Cel\u00fd da\u0148ov\u00fd syst\u00e9m pak vych\u00e1z\u00ed z pravidel Divok\u00e9ho v\u00fdchodu, kde nejsou schopni zadministrovat a vybrat progres\u00edvn\u00ed zdan\u011bn\u00ed, a tak se sm\u00ed\u0159\u00ed s t\u00edm, \u017ee zkus\u00ed vybrat od ka\u017ed\u00e9ho, jak u n\u00e1s zavedla ODS, stejn\u00e9 procento. Pozd\u011bj\u0161\u00ed nepatrn\u00fd n\u00e1r\u016fst da\u0148ov\u00e9 sazby pro nejvy\u0161\u0161\u00ed kategorii na tom nic nem\u011bn\u00ed.<\/p>\n

Nen\u00ed to d\u016fchodov\u00fd syst\u00e9m, co se u n\u00e1s hrout\u00ed. Tempo zadlu\u017eov\u00e1n\u00ed st\u00e1tu \u2013 by\u0165 z n\u00edzk\u00fdch \u00farovn\u00ed \u2013 nem\u00e1 v EU obdoby. Pokles konkurenceschopnosti v d\u016fsledku nejvy\u0161\u0161\u00ed inflace, zejm\u00e9na nejvy\u0161\u0161\u00edch cen energie a nejvy\u0161\u0161\u00edch \u00farokov\u00fdch sazeb, taky. D\u011bs\u00ed schodek obchodn\u00edho \u00fa\u010dtu ve v\u00fd\u0161i 200 miliard korun, co\u017e znamen\u00e1, \u017ee spolu s odvodem 300 miliard korun na dividend\u00e1ch do zahrani\u010d\u00ed vznik\u00e1 na b\u011b\u017en\u00e9m \u00fa\u010dtu platebn\u00ed bilance sekera p\u016fl bilionu korun. A to n\u00e1s chr\u00e1n\u00ed s\u00edl\u00edc\u00ed koruna, jinak by to bylo hor\u0161\u00ed.<\/p>\n

Inflace \u010d\u00e1ste\u010dn\u011b pom\u00e1h\u00e1 s napl\u0148ov\u00e1n\u00edm rozpo\u010dtu, proto\u017ee vy\u0161\u0161\u00ed ceny sebou vezou i vy\u0161\u0161\u00ed v\u00fdb\u011br DPH, ale jen do doby, kdy se nakupuje stejn\u011b. To skon\u010dilo, v prosinci se re\u00e1ln\u00e9 tr\u017eby v maloobchod\u011b sn\u00ed\u017eily o 7,3 procenta, zat\u00edmco celoro\u010dn\u00ed pr\u016fm\u011br poklesu tr\u017eeb \u010din\u00ed 3,6 procenta. Pokles tedy v\u00fdrazn\u011b zrychluje. To je v\u0161ak jen p\u016flka pravdy. DPH se nevyb\u00edr\u00e1 z re\u00e1ln\u00fdch (p\u0159epo\u010dten\u00fdch po ode\u010dtu inflace), ale z nomin\u00e1ln\u00edch tr\u017eeb (kolik je na cenovce). Pr\u016fm\u011brn\u00e1 ro\u010dn\u00ed m\u00edra inflace byla 15,1 procenta. Kdy\u017e tedy infla\u010dn\u00ed ode\u010det zru\u0161\u00edme, jsme na dvoucifern\u00fdch poklesech jen maloobchodn\u00edho prodeje.<\/p>\n

R\u016fst cen nut\u00ed st\u00e1t k valorizaci kde\u010deho, nejen d\u016fchod\u016f. Na druhou stranu, pro lidi s dluhy je inflace blahod\u00e1rn\u00e1, pro st\u00e1t v tomto ohledu taky. Osoby s p\u0159ebytkem \u00faspor po\u0161kozuje, ale t\u011bch je u n\u00e1s jen men\u0161ina. Hor\u0161\u00ed je to s n\u00e1kupy, s n\u00e1jmy, s nejr\u016fzn\u011bj\u0161\u00edmi \u00fa\u010dty, kde u\u017e jede 40 procent dom\u00e1cnost\u00ed na doraz. Zhoubn\u00e1 je kombinace inflace a ekonomick\u00e9ho poklesu. Obzvl\u00e1\u0161\u0165 nebezpe\u010dn\u011b se vyv\u00edj\u00ed situace kolem automobilov\u00e9ho pr\u016fmyslu a jeho dodavatel\u016f. Pokud se zvedne nezam\u011bstnanost, bude tlak na soci\u00e1ln\u00ed fondy enormn\u00ed. A te\u010f si k n\u00e1klad\u016fm st\u00e1tu p\u0159i\u010dt\u011bte pokus nav\u00fd\u0161it na stamiliardy n\u00e1kupy americk\u00fdch nosi\u010d\u016f jadern\u00fdch bomb a dal\u0161\u00edch \u00fato\u010dn\u00fdch zbran\u00ed nebo na neufinancovateln\u00e9 jadern\u00e9 elektr\u00e1rny.<\/p>\n

O z\u00e1vazky do budoucnosti tedy nen\u00ed nouze, ale nejsou to d\u016fchodci, kdo n\u00e1s strhne pod vodu. P\u0159\u00ed\u0161t\u00edmi penzisty se zab\u00fdvat mus\u00edme, ale pen\u011bz se nenajed\u00ed. C\u00edlem mus\u00ed b\u00fdt schopnost dlouhodob\u011b udr\u017eiteln\u011b u\u017eivit a opat\u0159it star\u00e9 i mlad\u00e9. Sou\u010dasn\u00fd neoliber\u00e1ln\u00ed kapitalismus to nedok\u00e1\u017ee, proto\u017ee uva\u017euje jen v pen\u011bz\u00edch a jen v r\u00e1mci maximalizace zisku, zat\u00edmco ni\u010den\u00ed nejd\u016fle\u017eit\u011bj\u0161\u00edch v\u011bc\u00ed k \u017eivotu, jako je rozpad klimatick\u00e9ho syst\u00e9mu, zamo\u0159enost prost\u0159ed\u00ed pesticidy a dal\u0161\u00edmi jedy nebo klesaj\u00edc\u00ed \u00farodnost p\u016fdy ne\u0159e\u0161\u00ed nebo jen \u010d\u00e1ste\u010dn\u011b a s velk\u00fdm zpo\u017ed\u011bn\u00edm.<\/p>\n

Spoustu v\u011bc\u00ed, kter\u00e9 kapitalismus nepo\u010d\u00edt\u00e1, proto\u017ee neprojdou trhem a nemohou generovat zisk, bude p\u0159esto pot\u0159eba ud\u011blat. S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed zadarmo, dobrovoln\u011b, bez bezprost\u0159edn\u00ed mzdy, v r\u00e1mci n\u011bjak\u00e9ho voln\u011bj\u0161\u00edho uspo\u0159\u00e1d\u00e1n\u00ed, kdy lid\u00e9 maj\u00ed z \u010deho \u017e\u00edt a mohou si dovolit v\u011bnovat \u010das ve prosp\u011bch ve\u0159ejn\u00e9ho z\u00e1jmu. M\u016f\u017ee jim to usnadnit nepodm\u00edn\u011bn\u00fd z\u00e1kladn\u00ed p\u0159\u00edjem. Ten bude rozhodn\u011b nutn\u00fd ve vzd\u00e1len\u011bj\u0161\u00ed budoucnosti, kdy n\u00e1s o tradi\u010dn\u00ed pracovn\u00ed m\u00edsta p\u0159iprav\u00ed dal\u0161\u00ed vlny pr\u016fmyslov\u00e9 revoluce. Bl\u00ed\u017e\u00ed se \u010das, kdy pr\u00e1ce nebude ani pro mlad\u00e9.<\/p>\n

Ale d\u016fchodci mohou p\u0159ilo\u017eit ruku k dobrovoln\u00e9mu d\u00edlu p\u0159i o\u017eivov\u00e1n\u00ed obce, prost\u0159ed\u00ed a krajiny, u\u017e te\u010f. B\u00fdvala to samoz\u0159ejmost. D\u016fchod je v\u0161ak mus\u00ed zastihnout ve zdrav\u00ed. Kdy\u017e odchod do d\u016fchodu odd\u00e1l\u00edme, zad\u011bl\u00e1me si m\u00edsto pozitiva na probl\u00e9m. Docela by m\u011b zaj\u00edmalo, jestli to n\u011bkdo prom\u00fd\u0161l\u00ed tak daleko\u2026<\/p>\n<\/div>\n

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Zbyn\u011bk Fiala<\/strong><\/div>\n
\u017durnalista, v minulosti dlouholet\u00fd \u0161\u00e9fredaktor \u010dasopisu Ekonom.<\/em><\/div>\n<\/div>\n<\/div>\n
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Jen kr\u00e1tce vydr\u017eela Jure\u010dkova p\u0159edstava o trval\u00e9m okle\u0161t\u011bn\u00ed valoriza\u010dn\u00edho vzorce pro d\u016fchody a mo\u017en\u00e1 p\u0159ijde…<\/p>\n","protected":false},"author":2,"featured_media":6914,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[29,4449,99],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/23138"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=23138"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/23138\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/6914"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=23138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=23138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=23138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}