{"id":52286,"date":"2024-04-24T00:39:33","date_gmt":"2024-04-23T22:39:33","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=52286"},"modified":"2024-04-23T19:56:45","modified_gmt":"2024-04-23T17:56:45","slug":"zbynek-fiala-duchody-rozbourene-trhy-a-inflacni-san","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2024\/04\/24\/zbynek-fiala-duchody-rozbourene-trhy-a-inflacni-san\/","title":{"rendered":"Zbyn\u011bk Fiala: D\u016fchody, rozbou\u0159en\u00e9 trhy a infla\u010dn\u00ed sa\u0148"},"content":{"rendered":"
<\/div>\n

Vl\u00e1da neochabuje v \u00fasil\u00ed, jak ob\u010dany pumpnout. Te\u010f je to na stole v podob\u011b n\u00e1vrhu d\u016fchodov\u00e9 reformy, kter\u00e1 se sna\u017e\u00ed rizika odstranit jistotou, \u017ee bude h\u016f\u0159.<\/strong><\/span><\/p>\n

Dosud v\u0161echny vl\u00e1dy od nov\u00e9ho vzniku republiky m\u011bly na programu penzijn\u00ed reformu, a n\u011bkter\u00e9 se do n\u00ed pustili, tak\u017ee obohatily program n\u00e1sledn\u00edk\u016f, kte\u0159\u00ed to zas ru\u0161ili. Vzpome\u0148me na neboh\u00fd\u00a0opt-out\u00a0<\/em>z\u00a0roku 2013, kter\u00fd byl tak blb\u00fd, \u017ee nakonec p\u0159il\u00e1kal jen 84 tis\u00edc \u00fa\u010dastn\u00edk\u016f. Ale ru\u0161ilo se to po t\u0159ech letech se stejn\u00fdmi obt\u00ed\u017eemi, jako by jich tam byly miliony.<\/p>\n

Vl\u00e1da nyn\u00ed chyst\u00e1 podobnou p\u0159\u00edle\u017eitost pro opozi\u010dn\u00ed ANO, kter\u00e9 u\u017e te\u010f slibuje, \u017ee reformu p\u011btikolky protla\u010denou na s\u00edlu, kdy\u017e ve sn\u011bmovn\u011b nejsou \u017e\u00e1dn\u00e9 hlasy opozice zapot\u0159eb\u00ed, prost\u011b zru\u0161\u00ed. Pokud se dostane k\u00a0vl\u00e1d\u011b, samoz\u0159ejm\u011b. Ale ta asoci\u00e1ln\u00ed d\u016fchodov\u00e1 reforma by j\u00ed k\u00a0tomu mohla hodn\u011b pomoci\u2026<\/p>\n

Pravda je, \u017ee \u010desk\u00fd d\u016fchodov\u00fd syst\u00e9m by n\u011bjak\u00e9 to u\u010des\u00e1n\u00ed pot\u0159eboval. Z\u00a0celkov\u00e9ho po\u010dtu 3,4 milionu vypl\u00e1cen\u00fdch d\u016fchod\u016f bylo roku 2022 starobn\u00edch jen 2,4 milionu, a z\u00a0toho bylo skoro 600 tis\u00edc p\u0159ed\u010dasn\u00fdch. Ostatn\u00ed byly invalidn\u00ed nebo v\u00a0n\u00e1vaznosti na invalidn\u00ed, vdovsk\u00e9 a sirot\u010d\u00ed. Udr\u017eitelnost syst\u00e9mu je tedy pozorovateln\u00e1 jen na t\u011bch, kdo do syst\u00e9mu odpov\u00eddaj\u00edc\u00edm zp\u016fsobem a pot\u0159ebnou dobu p\u0159isp\u00edvali. Souhrnn\u00e9 statistiky, m\u00edchaj\u00edc\u00ed do toho i osoby, kter\u00e9 by m\u011bly b\u00fdt financov\u00e1ny z\u00a0rozpo\u010dtu, jsou zav\u00e1d\u011bj\u00edc\u00ed.<\/p>\n

D\u016fchodci nemus\u00ed b\u00fdt bohat\u00ed, ale finan\u010dn\u00edci, kte\u0159\u00ed se d\u016fchodov\u00fdm syst\u00e9mem \u017eiv\u00ed, ano. To by mohlo b\u00fdt v\u00a0\u00fastav\u011b, proto\u017ee nic se tak stejn\u011b d\u016fsledn\u011b nedodr\u017euje. Chcete-li na d\u016fchodu vyd\u011blat, mus\u00edte ho nazvat spo\u0159en\u00edm.<\/p>\n

Sou\u010dasn\u00fd pr\u016fb\u011b\u017en\u00fd syst\u00e9m, kter\u00fd v\u00a0\u010dasech um\u011bl\u00e9 inteligence m\u016f\u017ee b\u00fdt t\u00e9m\u011b\u0159 bezobslu\u017en\u00fd, je pro finan\u010dn\u00edky tenink\u00fd such\u00fd chl\u00e9b, a proto jej st\u00e1le ohro\u017eov\u00e1n vytla\u010den\u00edm z\u00a0diety. Zachra\u0148uje ho jen to, \u017ee funguje, ale s\u00a0t\u00edm se d\u00e1 taky n\u011bco d\u011blat, jak uk\u00e1zala u\u017e za Jure\u010dky tsunami p\u0159ed\u010dasn\u00fdch d\u016fchod\u016f, kter\u00e9 byly na p\u0159elomu roku 2022 podstatn\u011b v\u00fdhodn\u011bj\u0161\u00ed, a hlavn\u011b vy\u0161\u0161\u00ed ne\u017e d\u016fchody \u0159\u00e1dn\u00e9. Syst\u00e9m to zat\u00ed\u017eilo statis\u00edci t\u011bch, kdo je\u0161t\u011b naopak m\u011bli p\u0159isp\u00edvat.<\/p>\n

Novinkou je zaveden\u00ed penzijn\u00edho spo\u0159en\u00ed formou dlouhodob\u00fdch investi\u010dn\u00edch produkt\u016f s\u00a0da\u0148ov\u00fdm zv\u00fdhodn\u011bn\u00edm, jak se tomu \u0159\u00edk\u00e1 u n\u00e1s, nebo individu\u00e1ln\u00edch penzijn\u00edch pl\u00e1n\u016f (IRA), jak se s\u00a0t\u00edm p\u016fvodn\u011b za\u010dalo v\u00a0Americe. Na pap\u00ed\u0159e to vypad\u00e1 p\u011bkn\u011b, ale tak vypadaj\u00ed v\u0161echny investice, dokud vyd\u011bl\u00e1vaj\u00ed. Jen\u017ee ony bohu\u017eel v\u017edycky vyd\u011bl\u00e1vat nemohou, proto\u017ee kdy\u017e m\u00e1 n\u011bkdo na finan\u010dn\u00ed investici vyd\u011blat, mus\u00ed n\u011bkdo jin\u00fd prod\u011blat.<\/p>\n

A te\u010f zkuste porovnat \u0161anci amat\u00e9ra, kter\u00fd se po pr\u00e1ci zahloub\u00e1 do sloupc\u016f z\u00e1hadn\u00fdch \u010d\u00edsel z\u00a0finan\u010dn\u00edch trh\u016f, a proti n\u011bmu st\u0159elce z\u00a0nadn\u00e1rodn\u00edch hedgeov\u00fdch fond\u016f, pro kter\u00e9ho pracuje stohlav\u00e9 v\u00fdzkumn\u00e9 odd\u011blen\u00ed a n\u00e1kladn\u00fd servis z\u00a0dal\u0161\u00edch zdroj\u016f. M\u00e1te pr\u00e1vo na n\u00e1hodn\u00e9 drobn\u00e9 zisky, ale na systematick\u00e9 v\u00a0\u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b. A oberou v\u00e1s, i kdy\u017e se trhy h\u00fdbou jen m\u00e1lo. Od toho jsou \u201ekvante\u0159i\u201c (quants<\/em>), \u017eiv\u00edc\u00ed se bleskov\u00fdm algoritmem pro tis\u00edce n\u00e1kup\u016f a prodej\u016f podle z\u00e1chv\u011bv\u016f kurzu ve zlomc\u00edch sekundy.<\/p>\n

Nicm\u00e9n\u011b dlouhodob\u00fd investi\u010dn\u00ed produkt s\u00a0da\u0148ov\u00fdm zv\u00fdhodn\u011bn\u00edm u\u017e byl schv\u00e1len a lze jej pou\u017e\u00edvat. Pod\u00edval jsem se na diskusi nad t\u00edmto n\u00e1strojem, jak je zav\u00e1d\u011bn ve st\u0159edn\u00ed a v\u00fdchodn\u00ed Evrop\u011b. Zazn\u00edvaj\u00ed n\u00e1sleduj\u00edc\u00ed varov\u00e1n\u00ed:<\/p>\n

Zaveden\u00ed povinn\u00fdch syst\u00e9m\u016f IRA v rozv\u00edjej\u00edc\u00edch se evropsk\u00fdch zem\u00edch (n\u00e1\u0161 je na\u0161t\u011bst\u00ed dobrovoln\u00fd) nezlep\u0161ilo makrofinan\u010dn\u00ed udr\u017eitelnost vnitrost\u00e1tn\u00edch d\u016fchodov\u00fdch syst\u00e9m\u016f. Ve skute\u010dnosti mo\u017en\u00e1\u00a0situaci je\u0161t\u011b zhor\u0161ilo<\/strong>, proto\u017ee do ar\u00e9ny penzijn\u00edch syst\u00e9m\u016f zavedlo nov\u00e9 politick\u00e9 subjekty (penzijn\u00ed spr\u00e1vcovsk\u00e9 spole\u010dnosti).<\/p>\n

Povinn\u00e9 syst\u00e9my IRA v rozv\u00edjej\u00edc\u00edch se evropsk\u00fdch zem\u00edch se pot\u00fdkaly\u00a0s vysok\u00fdmi provozn\u00edmi n\u00e1klady<\/strong>, co\u017e byla jedna z hlavn\u00edch probl\u00e9mov\u00fdch oblast\u00ed.<\/p>\n

\"\"<\/a><\/p>\n

Dal\u0161\u00ed zklam\u00e1n\u00ed vyplynulo z nerealistick\u00fdch o\u010dek\u00e1v\u00e1n\u00ed<\/strong>\u00a0ohledn\u011b v\u00fdkonnosti finan\u010dn\u00edch investic v rozv\u00edjej\u00edc\u00edch se zem\u00edch, kter\u00e1 syst\u00e9my IRA nesplnily.<\/p>\n

Jsou tam zv\u00fd\u0161en\u00e1 politick\u00e1 rizika: D\u016fkazy nazna\u010duj\u00ed, \u017ee sm\u00ed\u0161en\u00e9 syst\u00e9my (pr\u016fb\u011b\u017en\u00e9 plus IRA) \u010del\u00ed v\u00fdznamn\u011bj\u0161\u00edm politick\u00fdm rizik\u016fm ne\u017e p\u016fvodn\u00ed, \u010dist\u011b pr\u016fb\u011b\u017en\u00e9 syst\u00e9my. Vl\u00e1dy n\u011bkter\u00fdch zem\u00ed do\u010dasn\u011b\u00a0p\u0159esm\u011brovaly<\/strong>\u00a0p\u0159\u00edsp\u011bvky ze soukrom\u00fdch IRA do ve\u0159ejn\u00fdch d\u016fchodov\u00fdch syst\u00e9m\u016f, aby sn\u00ed\u017eily rozpo\u010dtov\u00e9 deficity.<\/p>\n

Nedostate\u010dn\u00e9 pokryt\u00ed pojistn\u00fdch ud\u00e1lost\u00ed<\/strong>: V r\u00e1mci v\u00edcepil\u00ed\u0159ov\u00fdch d\u016fchodov\u00fdch syst\u00e9m\u016f jsou IRA navr\u017eeny tak, aby \u0159e\u0161ily pot\u0159ebu \u00faspor na financov\u00e1n\u00ed d\u016fchodu, zat\u00edmco pojistn\u00e9 aspekty (nap\u0159. kryt\u00ed\u00a0proti rizik\u016fm p\u0159ed\u010dasn\u00e9ho \u00famrt\u00ed a invalidity<\/strong>) jsou \u0159e\u0161eny pouze v r\u00e1mci pr\u016fb\u011b\u017en\u00e9 slo\u017eky.<\/p>\n

Nedostate\u010dn\u00e1 znalost<\/strong>\u00a0mezi zam\u011bstnavateli: Mnoho mal\u00fdch a st\u0159edn\u00edch zam\u011bstnavatel\u016f se nevyzn\u00e1 v alternativn\u00edch mo\u017enostech penzijn\u00edch pl\u00e1n\u016f.<\/p>\n

Posledn\u00ed riziko se t\u00fdk\u00e1 toho, \u017ee po\u017eivatel\u00e9 v\u00fdhod IRA u\u017e\u00a0nemohou vyu\u017e\u00edvat penzijn\u00ed fondy financovan\u00e9 zam\u011bstnavatelem<\/strong>. Ale to u n\u00e1s nehroz\u00ed, proto\u017ee takov\u00e9 fondy nem\u00e1me.<\/p>\n

Trochu v\u011bt\u0161\u00ed \u0161anci by m\u011bly m\u00edt penzijn\u00ed fondy, aspo\u0148 ty nov\u011bj\u0161\u00ed, kter\u00e9 maj\u00ed v\u011bt\u0161\u00ed volnost ve v\u00fdb\u011bru investic, proto\u017ee riziko nese poji\u0161t\u011bnec. U t\u011bch star\u00fdch je nesly fondy. Te\u010f si tedy \u0159ekn\u011bme n\u011bco o t\u011bch nov\u00fdch. Na za\u010d\u00e1tku roku vy\u0161la hezk\u00e1 zpr\u00e1va na port\u00e1lu Pen\u00edze.cz, kter\u00e1 je uvedena v\u011btou:\u00a0V\u0161echny fondy dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed loni skon\u010dily s\u00a0kladn\u00fdm v\u00fdsledkem.<\/em>\u00a0N\u00e1sleduje v\u0161ak druh\u00e1 v\u011bta:\u00a0Nejv\u00edce \u00fasp\u011b\u0161n\u00e9 byly akciov\u00e9 strategie, kter\u00e9 o rok d\u0159\u00edve (2022) zaznamenaly nejv\u011bt\u0161\u00ed propady v\u00a0historii \u00fa\u010dastnick\u00fdch fond\u016f.<\/em><\/p>\n

Inu, jednou jsi dole, jindy naho\u0159e.<\/p>\n

Vyhl\u00eddk\u00e1m rozbou\u0159en\u00e9ho akciov\u00e9ho trhu, na kter\u00e9m lze snadno ztroskotat, v\u00a0minulosti \u010delila zd\u00e1nliv\u011b moudr\u00e1 doporu\u010den\u00ed, \u017ee bezpe\u010dn\u011bj\u0161\u00ed je investovat do dluhopis\u016f. To v\u0161ak plat\u00ed jen pro \u010dasy s\u00a0kr\u00e1sn\u00fdm investi\u010dn\u00edm po\u010das\u00edm. Vzep\u011bt\u00ed inflace, jak\u00e9 jsme za\u017eili v\u00a0minul\u00fdch dvou letech, ud\u011bl\u00e1 z\u00a0dluhopis\u016f minov\u00e9 pole. Ty star\u0161\u00ed s\u00a0ni\u017e\u0161\u00edm \u00faro\u010den\u00edm prudce ztr\u00e1cej\u00ed na cen\u011b, t\u0159eba t\u0159etinu i v\u00edc u del\u0161\u00edch splatnost\u00ed. A ty nov\u00e9 s\u00a0vysok\u00fdm \u00farokem zase nesou riziko, \u017ee nebudou splaceny v\u016fbec.<\/p>\n

Jak u\u017e jsme zm\u00ednili, dnes m\u00e1me dva druhy penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed \u2013 star\u00e9 a nov\u00e9. To star\u00e9 nesm\u011blo prod\u011blat, proto investovalo co nejv\u00edc do dluhopis\u016f. \u00daroky byly deset let u nuly, a tak logicky nula od nuly po\u0161la. St\u00e1tn\u00ed p\u0159\u00edsp\u011bvek pro tento typ penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed pak slou\u017eil jenom penzijn\u00edm fond\u016fm, kter\u00e9 ho spolkly cel\u00fd, aby nepo\u0161ly podv\u00fd\u017eivou.<\/p>\n

\u010cerstv\u00e9 \u010d\u00edslo t\u00fdden\u00edku Ekonom proto rad\u00ed, aby lid\u00e9 ze star\u00e9ho penzijka \u2013 kde je je\u0161t\u011b 2,5 milionu \u00fa\u010dastn\u00edk\u016f \u2013 ut\u00edkali, proto\u017ee \u201eje rizikov\u011bj\u0161\u00ed, ne\u017e vsadit na akcie\u201c. Ale dopl\u0148uje to varov\u00e1n\u00edm, \u017ee na spo\u0159en\u00ed na penzi by m\u011bli myslet hlavn\u011b lid\u00e9 s\u00a0pr\u016fm\u011brn\u00fdm nebo nadpr\u016fm\u011brn\u00fdm p\u0159\u00edjmem.<\/p>\n

https:\/\/ekonom.cz\/c1-67303610-penize-ve-starem-penzijku-nenechavejte-je-to-rizikovejsi-nez-vsadit-na-akcie<\/a><\/p>\n

Jen\u017ee bohat\u00ed u\u017e bohat\u00fdmi jsou, ti spo\u0159it nepot\u0159ebuj\u00ed\u2026.<\/p>\n

Vra\u0165me se\u00a0je\u0161t\u011b k\u00a0onomu radostn\u00e9mu sd\u011blen\u00ed, \u017ee loni v\u0161echny fondy dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed \u2013 t\u011bch nov\u00fdch fond\u016f \u2013 vyd\u011bl\u00e1valy. Ano, nomin\u00e1ln\u011b. Ne\u017e se do nich zakousla infla\u010dn\u00ed sa\u0148. Ta dok\u00e1\u017ee zni\u010dit i dlouhodob\u00e9 \u00faspory, jak uk\u00e1zala statistika za deset let do roku 2023:<\/p>\n

\u201eHor\u0161\u00ed je to bohu\u017eel po zapo\u010dten\u00ed\u00a0<\/em>inflace<\/em><\/a>\u00a0\u2013 hlavn\u011b t\u00e9 hodn\u011b vysok\u00e9 v letech 2022 a 2023. Anal\u00fdza po\u010d\u00edt\u00e1 s t\u00edm, \u017ee od roku 2013 do konce roku 2023 se pen\u00edze znehodnotily o 50,8 procenta (pokud inflace za lo\u0148sk\u00fd prosinec bude na \u00farovni sedmi procent, jak p\u0159edpov\u00edd\u00e1 \u010cNB),\u201c<\/em>\u00a0p\u0159izn\u00e1v\u00e1 server Pen\u00edze.cz.<\/p>\n

Dodejme, \u017ee inflace tam nakonec na t\u011bch 6,9 procenta byla, tak\u017ee souhrnn\u00fd v\u00fdpo\u010det plat\u00ed. A kdy\u017e t\u011bch 50,8 procenta ode\u010dtete od nomin\u00e1ln\u00edch zisk\u016f, je jedna kapsa pr\u00e1zdn\u00e1, druh\u00e1 vysypan\u00e1.<\/p>\n

Zdroj:\u00a0https:\/\/www.penize.cz\/doplnkove-penzijni-sporeni\/448700-penzijni-fondy-vysledky-za-rok-2023-porovnani-ucastnickych-fondu-vynosy-vykonnost<\/a><\/p>\n

Slabiny navrhovan\u00e9 penzijn\u00ed reformy, kterou chce ODS s\u00a0p\u011btikolkou protla\u010dit na s\u00edlu, jsou do nebe volaj\u00edc\u00ed. Nejot\u0159esn\u011bj\u0161\u00ed je dal\u0161\u00ed prodlu\u017eov\u00e1n\u00ed odchodu do d\u016fchodu, v\u00a0dob\u011b, kdy pro\u017e\u00edv\u00e1me prudkou prom\u011bnu pracovn\u00edho trhu a kdy robotika a um\u011bl\u00e1 inteligence budou p\u0159ipravovat o pr\u00e1ci i ty, kdo jsou je\u0161t\u011b v\u00a0pln\u00e9 s\u00edle. Prodlu\u017eov\u00e1n\u00ed odchodu do d\u016fchodu m\u00e1 z\u0159ejm\u011b poslou\u017eit jen tomu, abychom se mohli tv\u00e1\u0159it, \u017ee penzijn\u00ed syst\u00e9m je vyrovnan\u00fd, zat\u00edmco na druh\u00e9 stran\u011b budeme rabovat st\u00e1tn\u00ed rozpo\u010det soci\u00e1ln\u00ed podporou nezam\u011bstnateln\u00fdm senior\u016fm.<\/p>\n

P\u0159itom by sta\u010dilo, kdyby se ud\u011blal po\u0159\u00e1dek ve financov\u00e1n\u00ed d\u016fchodov\u00e9ho \u00fa\u010dtu, kam – jak u\u017e jsme uvedli – \u0159\u00e1dn\u011b p\u0159isp\u00edv\u00e1 jen \u010d\u00e1st \u00fa\u010dastn\u00edk\u016f a opravdu \u0159\u00e1dn\u011b plat\u00ed jenom zam\u011bstnanci s\u00a0nevysokou mzdou. Ti s\u00a0vysokou mzdou nebo astronomick\u00fdmi kapit\u00e1lov\u00fdmi p\u0159\u00edjmy maj\u00ed z\u00e1vazky jen do relativn\u011b nizou\u010dk\u00e9ho stropu. OSV\u010c plat\u00ed jen ze zlomku p\u0159\u00edjm\u016f, a to jen podle vlastn\u00ed \u00favahy. Na tohle v\u0161echno jsou ur\u010dit\u011b n\u011bkde n\u011bjak\u00e1 \u010d\u00edsla, jen jsem je nena\u0161el v\u00a0\u017e\u00e1dn\u00e9 vl\u00e1dn\u00ed argumentaci.<\/p>\n

Polekala m\u011b v\u0161ak i opozice, kter\u00e1 chce nab\u00eddnout, aby jedno ze zv\u00fdhodn\u011bn\u00fdch penzijn\u00edch spo\u0159en\u00ed pomohlo financovat v\u00fdstavbu jadern\u00fdch elektr\u00e1ren. \u0158ekl bych, \u017ee tam je je\u0161t\u011b v\u00edc rizik ne\u017e na finan\u010dn\u00edm trhu. Detaily chce uv\u00e9st a\u017e pot\u00e9, co se ujme vl\u00e1dy, tak to zkus\u00edm odhadnout s\u00e1m.<\/p>\n

Doladit by to \u0161lo tak, \u017ee dluhopis by byl splatn\u00fd a\u017e po dostavb\u011b objektu. Vznikl by opravdu dlouhodob\u00fd investi\u010dn\u00ed produkt, proto\u017ee v\u00fdstavba jaderek obvykle trv\u00e1 n\u00e1sobky pl\u00e1novan\u00e9ho \u010dasu. V\u00fdnos by pak mohl b\u00fdt odvozen z\u00a0v\u00fdnosu jaderky \u2013 po ode\u010dtu investi\u010dn\u00edch n\u00e1klad\u016f, kter\u00e9 b\u00fdvaj\u00ed tak\u00e9 n\u00e1sobkem t\u011bch pl\u00e1novan\u00fdch. Hojit by se to dalo vysokou cenou elekt\u0159iny, kter\u00e1 by byla ukryta za st\u00e1tn\u00ed podporou (contract of difference<\/em>).<\/p>\n

Ve v\u00fdsledku by si tak budouc\u00ed penzisti p\u0159isp\u00edvali na to, aby mohli m\u00edt drahou elekt\u0159inu a vy\u0161\u0161\u00ed dan\u011b.<\/p>\n

Zbyn\u011bk Fiala<\/a><\/p>\n

\"\"<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Vl\u00e1da neochabuje v \u00fasil\u00ed, jak ob\u010dany pumpnout. Te\u010f je to na stole v podob\u011b n\u00e1vrhu…<\/p>\n","protected":false},"author":2,"featured_media":37170,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[1042,591,59,371],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/52286"}],"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=52286"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/52286\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/37170"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=52286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=52286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=52286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}