{"id":259,"date":"2012-11-20T22:00:00","date_gmt":"2012-11-20T22:00:00","guid":{"rendered":"https:\/\/money2022.localhost\/novinky-a-tipy\/duchodova-reforma\/"},"modified":"2023-02-01T15:10:20","modified_gmt":"2023-02-01T14:10:20","slug":"duchodova-reforma","status":"publish","type":"post","link":"https:\/\/money.cz\/novinky-a-tipy\/nezarazene\/duchodova-reforma\/","title":{"rendered":"Infoservis: D\u016fchodov\u00e1 reforma"},"content":{"rendered":"

V sou\u010dasn\u00e9 dob\u011b jsme sv\u011bdky dlouho avizovan\u00fdch zm\u011bn na poli penzijn\u00edho syst\u00e9mu. Pokusme se shrnout z\u00e1kladn\u00ed syst\u00e9mov\u00e9 zm\u011bny.\u00a0<\/strong><\/p>\n

Z m\u00e9di\u00ed se na n\u00e1s doslova na ka\u017ed\u00e9m kroku val\u00ed informace ohledn\u011b d\u016fchodov\u00e9 reformy. Jsou zmi\u0148ov\u00e1ny pojmy jako pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m, d\u016fchodov\u00e9 spo\u0159en\u00ed, penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, pil\u00ed\u0159e, p\u0159ed\u010dasn\u00e9 d\u016fchody, p\u0159edd\u016fchody. Toto pojedn\u00e1n\u00ed si klade za c\u00edl, shrnout jednotliv\u00e9 syst\u00e9my (pil\u00ed\u0159e), nast\u00ednit v\u00fdhody a naopak nev\u00fdhody jednotliv\u00fdch syst\u00e9m\u016f.<\/strong><\/p>\n

Autor: Mgr. Zden\u011bk Zral\u00fd<\/a>, da\u0148ov\u00fd poradce \u010d. 3177<\/strong><\/p>\n

 <\/p>\n

I. Pil\u00ed\u0159 – pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m<\/h2>\n

Jedn\u00e1 se o syst\u00e9m, kter\u00fd zn\u00e1me ji\u017e nyn\u00ed a ze kter\u00e9ho jsou financov\u00e1ny sou\u010dasn\u00e9 d\u016fchody. Do tohoto syst\u00e9mu jsou odv\u00e1d\u011bny procenta z p\u0159\u00edjm\u016f osob, kter\u00e9 jsou v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 – jak zam\u011bstnanci, tak osoby samotn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 (d\u00e1le jen \u201eOSV\u010c\u201c). Konkr\u00e9tn\u011b se jedn\u00e1 o 28 % z vym\u011b\u0159ovac\u00edho z\u00e1kladu.<\/p>\n

Z\u00a0demografick\u00e9ho v\u00fdvoje je patrn\u00e9, \u017ee st\u00e1t pomoc\u00ed pr\u016fb\u011b\u017en\u00e9ho syst\u00e9mu v\u00a0dlouhodob\u00e9m horizontu budouc\u00ed penze neufinancuje<\/strong>. Pokud by nedo\u0161lo k\u00a0reform\u011b penzijn\u00edho syst\u00e9mu, doch\u00e1zelo by st\u00e1le k\u00a0v\u011bt\u0161\u00edmu rozev\u00edr\u00e1n\u00ed pomysln\u00fdch n\u016f\u017eek mezi pr\u016fm\u011brnou mzdou a pr\u016fm\u011brn\u00fdm d\u016fchodem. V\u00a0r\u00e1mci reformy penzijn\u00edho syst\u00e9mu doch\u00e1z\u00ed od 1.1.2013 k\u00a0tomu, \u017ee k\u00a0sou\u010dasn\u00e9mu prvn\u00edmu pil\u00ed\u0159i (pr\u016fb\u011b\u017en\u00fd syst\u00e9m) p\u0159ib\u00fdv\u00e1 druh\u00fd pil\u00ed\u0159 (d\u016fchodov\u00e9 spo\u0159en\u00ed) a sou\u010dasn\u011b doch\u00e1z\u00ed k\u00a0reform\u011b st\u00e1vaj\u00edc\u00edho penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed\u00a0 tzv. t\u0159et\u00edho pil\u00ed\u0159e. Pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m samoz\u0159ejm\u011b nad\u00e1le z\u016fst\u00e1v\u00e1 hlavn\u00edm a rozhoduj\u00edc\u00edm syst\u00e9mem financov\u00e1n\u00ed penz\u00ed. Prvn\u00ed pil\u00ed\u0159 je na rozd\u00edl od obou dal\u0161\u00edch samoz\u0159ejm\u011b nad\u00e1le povinn\u00fd, nelze si tedy zvolit, zda se zam\u011bstnanec \u010di OSV\u010c tohoto syst\u00e9mu z\u00fa\u010dastn\u00ed \u010di nikoliv.<\/strong><\/p>\n

 <\/p>\n

II. Pil\u00ed\u0159 \u2013 d\u016fchodov\u00e9 spo\u0159en\u00ed<\/h2>\n

Druh\u00fd pil\u00ed\u0159 je novinkou, za\u010d\u00edn\u00e1 fungovat od roku 2013. Na rozd\u00edl od prvn\u00edho pil\u00ed\u0159e je \u00fa\u010dast v\u00a0n\u011bm dobrovoln\u00e1!<\/strong><\/p>\n

Princip d\u016fchodov\u00e9ho spo\u0159en\u00ed spo\u010d\u00edv\u00e1 v\u00a0tom, \u017ee si \u010dlov\u011bk ze sv\u00e9ho vym\u011b\u0159ovac\u00edho z\u00e1kladu odv\u00e1d\u00ed na \u00fa\u010det veden\u00fd penzijn\u00ed spole\u010dnost\u00ed 3 % (do prvn\u00edho pil\u00ed\u0159e ji\u017e nen\u00ed odv\u00e1d\u011bno 28 % ale pouze 25 %) a za podm\u00ednky, \u017ee si k\u00a0t\u011bmto 3 % p\u0159id\u00e1 je\u0161t\u011b dal\u0161\u00ed 2 % ze sv\u00e9ho vym\u011b\u0159ovac\u00edho z\u00e1kladu<\/strong>. Jin\u00fdmi slovy \u2013 do I. pil\u00ed\u0159e odch\u00e1z\u00ed 25 % (z toho 21,5 % hrad\u00ed zam\u011bstnavatel a 3,5 % zam\u011bstnanec), do II. pil\u00ed\u0159e je odv\u00e1d\u011bno 5 % hrazen\u00e9ho zam\u011bstnancem z vym\u011b\u0159ovac\u00edho z\u00e1kladu.<\/strong><\/p>\n

Druh\u00e9ho pil\u00ed\u0159e se mohou \u00fa\u010dastnit pouze osoby star\u0161\u00ed 18 let, o sv\u00e9m vstupu do syst\u00e9mu se mus\u00ed rozhodnout do konce roku, kdy jim bude 35 let. Pokud se do druh\u00e9ho pil\u00ed\u0159e cht\u011bj\u00ed zapojit osoby, kter\u00fdm je ji\u017e nyn\u00ed 35 let, mohou se rozhodnout nejpozd\u011bji do \u010dervna roku 2013.<\/p>\n

Nev\u00fdd\u011ble\u010dn\u00e9 osoby nap\u0159. nezam\u011bstnan\u00ed \u010di na mate\u0159sk\u00e9 dovolen\u00e9, kter\u00e9 si neplat\u00ed soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed, nem\u016f\u017eou do syst\u00e9mu vstoupit. Zapojit se lze a\u017e ve chv\u00edli, kdy za\u010dnou m\u00edt p\u0159\u00edjmy ze zam\u011bstn\u00e1n\u00ed \u010di za\u010dnou podnikat. Lh\u016fta pro sjedn\u00e1n\u00ed smlouvy je \u0161estim\u011bs\u00ed\u010dn\u00ed od okam\u017eiku zah\u00e1jen\u00ed v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti.<\/p>\n

Obecn\u011b se uv\u00e1d\u00ed, \u017ee d\u016fchodov\u00e9 spo\u0159en\u00ed je v\u00fdhodn\u00e9 pro vy\u0161\u0161\u00ed p\u0159\u00edjmov\u00e9 skupiny.<\/p>\n

Samotn\u00e1 \u00fa\u010dast spo\u010d\u00edv\u00e1 v uzav\u0159en\u00ed smlouvy s n\u011bkterou z penzijn\u00edch spole\u010dnost\u00ed. Spole\u010dnost lze bez poplatku jednou ro\u010dn\u011b zm\u011bnit. Penzijn\u00ed spole\u010dnosti budou nab\u00edzet \u010dty\u0159i investi\u010dn\u00ed strategie \u2013 od konzervativn\u00ed a\u017e po dynamick\u00e9, z nich\u017e si bude mo\u017eno vybrat.<\/p>\n

Penzijn\u00ed spole\u010dnost po\u0161le smlouvu na Centr\u00e1ln\u00ed registr smluv, kter\u00fd n\u00e1sledn\u011b za\u0161le \u00fa\u010dastn\u00edkovi potvrzen\u00ed o registraci smlouvy. U zam\u011bstnanc\u016f je nutn\u00e9, aby potvrzen\u00ed dodali sv\u00e9 mzdov\u00e9 \u00fa\u010dt\u00e1rn\u011b, kter\u00e1 bude prov\u00e1d\u011bt v\u00fdpo\u010dty odvod\u016f do obou pil\u00ed\u0159\u016f. OSV\u010c mus\u00ed skute\u010dnost \u00fa\u010dasti na druh\u00e9m pil\u00ed\u0159i ozn\u00e1mit sv\u00e9 spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00ed a odv\u00e1d\u00ed pojistn\u00e9 sama.<\/p>\n

V p\u0159\u00edpad\u011b \u00famrt\u00ed osoby d\u0159\u00edve ne\u017e za\u010dne pob\u00edrat d\u016fchod z prvn\u00edho pil\u00ed\u0159e, jsou naspo\u0159en\u00e9 pen\u00edze p\u0159edm\u011btem d\u011bdictv\u00ed s touto modifikac\u00ed:<\/p>\n

    \n
  • pokud je d\u011bdicem nezletil\u00e9 d\u00edt\u011b, bude se po dobu p\u011bti let vypl\u00e1cet m\u011bs\u00ed\u010dn\u00ed renta,<\/li>\n
  • u plnolet\u00e9ho d\u011bdice, kter\u00fd se \u00fa\u010dastn\u00ed druh\u00e9ho pil\u00ed\u0159e, dojde k p\u0159evodu na jeho \u00fa\u010det d\u016fchodov\u00e9ho spo\u0159en\u00ed,<\/li>\n
  • u plnolet\u00e9ho d\u011bdice, kter\u00fd nen\u00ed \u00fa\u010dasten druh\u00e9ho pil\u00ed\u0159e, dojde k v\u00fdplat\u011b naspo\u0159en\u00fdch pen\u011bz.<\/li>\n<\/ul>\n

    V\u00a0porovn\u00e1n\u00ed s\u00a0I. pil\u00ed\u0159em se mi osobn\u011b jev\u00ed n\u00e1sleduj\u00edc\u00ed v\u00fdhody d\u016fchodov\u00e9ho spo\u0159en\u00ed:<\/p>\n

      \n
    • spo\u0159\u00ed se na vlastn\u00edm \u00fa\u010dtu, \u00fa\u010dastn\u00edk m\u00e1 p\u0159ehled o v\u00fd\u0161i naspo\u0159en\u00e9 \u010d\u00e1stky,<\/li>\n
    • mo\u017enost zhodnocen\u00ed,<\/li>\n
    • naspo\u0159en\u00e9 pen\u00edze lze d\u011bdit.<\/li>\n<\/ul>\n

      Za nev\u00fdhody druh\u00e9ho pil\u00ed\u0159e osobn\u011b pova\u017euji:<\/p>\n

        \n
      • nelze z n\u011bj vystoupit,<\/li>\n
      • nemo\u017enost p\u0159ed\u010dasn\u00e9ho v\u00fdb\u011bru naspo\u0159en\u00fdch pen\u011bz,<\/li>\n
      • z prvn\u00edho pil\u00ed\u0159e se sn\u00ed\u017e\u00ed st\u00e1tn\u00ed penze a\u017e o 15 %,<\/li>\n
      • opakovan\u00e1 deklarace sou\u010dasn\u00e9 parlamentn\u00ed opozice o zru\u0161en\u00ed druh\u00e9ho pil\u00ed\u0159e.<\/li>\n<\/ul>\n

         <\/p>\n

        III. Pil\u00ed\u0159 \u2013 penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed<\/h2>\n

        \u00da\u010dast ve t\u0159et\u00edm pil\u00ed\u0159i, kter\u00fd zn\u00e1me ji\u017e z\u00a0d\u0159\u00edv\u011bj\u0161ka pod pojmem penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, je dobrovoln\u00e1<\/strong>! Od roku 2013 m\u00e1me na poli penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed dv\u011b alternativy:<\/p>\n

        Transformovan\u00e9 fondy (p\u016fvodn\u00ed penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed)<\/strong><\/h3>\n

        Jedn\u00e1 se o penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed uzav\u0159en\u00e9 do konce listopadu 2012, fondy se od roku 2013 p\u0159ejmenuj\u00ed na transformovan\u00e9 fondy<\/strong>. Z\u00e1sadn\u00ed zm\u011bnou od roku 2013 bude nov\u00e1 v\u00fd\u0161e st\u00e1tn\u00ed podpory. Dal\u0161\u00ed zm\u011bnou bude nemo\u017enost p\u0159ech\u00e1zet mezi transformovan\u00fdmi fondy.<\/p>\n

        V\u00fdhody spo\u0159en\u00ed v transformovan\u00fdch fondech oproti smlouv\u00e1m uzav\u0159en\u00fdm po listopadu 2012:<\/p>\n

          \n
        • po 15 letech lze vybrat polovinu naspo\u0159en\u00fdch pen\u011bz,<\/li>\n
        • naspo\u0159en\u00e9 pen\u00edze lze vybrat po dovr\u0161en\u00ed 60 let,<\/li>\n
        • garance nez\u00e1porn\u00e9ho zhodnocen\u00ed p\u0159\u00edsp\u011bvk\u016f.\u00a0<\/strong><\/li>\n<\/ul>\n

          Zm\u011bna st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f v K\u010d:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
          M\u011bs\u00ed\u010dn\u00ed \u00falo\u017eka (K\u010d)<\/strong><\/th>\nst\u00e1tn\u00ed p\u0159\u00edsp\u011bvek (2012)<\/strong><\/th>\nst\u00e1tn\u00ed p\u0159\u00edsp\u011bvek (2013)<\/strong><\/th>\nro\u010dn\u00ed da\u0148ov\u00e1 \u00faspora (2013)<\/strong><\/th>\n<\/tr>\n<\/thead>\n
          100<\/td>\n50<\/td>\n0<\/td>\n0<\/td>\n<\/tr>\n
          200<\/td>\n90<\/td>\n0<\/td>\n0<\/td>\n<\/tr>\n
          300<\/td>\n120<\/td>\n90<\/td>\n0<\/td>\n<\/tr>\n
          400<\/td>\n140<\/td>\n110<\/td>\n0<\/td>\n<\/tr>\n
          500<\/td>\n150<\/td>\n130<\/td>\n0<\/td>\n<\/tr>\n
          600<\/td>\n150<\/td>\n150<\/td>\n0<\/td>\n<\/tr>\n
          700<\/td>\n150<\/td>\n170<\/td>\n0<\/td>\n<\/tr>\n
          800<\/td>\n150<\/td>\n190<\/td>\n0<\/td>\n<\/tr>\n
          900<\/td>\n150<\/td>\n210<\/td>\n0<\/td>\n<\/tr>\n
          1000<\/td>\n150<\/td>\n230<\/td>\n0<\/td>\n<\/tr>\n
          1500<\/td>\n150<\/td>\n230<\/td>\n900<\/td>\n<\/tr>\n
          2000<\/td>\n150<\/td>\n230<\/td>\n1800<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

          Z tabulky je z\u0159ejm\u00e9, \u017ee pokud chce \u00fa\u010dastn\u00edk z transformovan\u00fdch fond\u016f vyt\u011b\u017eit maximum, mus\u00ed jeho m\u011bs\u00ed\u010dn\u00ed \u00falo\u017eka \u010dinit 2 000 K\u010d \u2013 st\u00e1tn\u00ed podpora pak \u010din\u00ed 2 760 K\u010d a da\u0148ov\u00e1 \u00faspora na dani z p\u0159\u00edjm\u016f fyzick\u00fdch osob 1 800 K\u010d \u2013 celkov\u00fd efekt je potom 4.560 K\u010d.<\/p>\n

          Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed<\/h3>\n

          \u00da\u010dastn\u00edkem dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed se stane osoba tehdy, kdy\u017e uzav\u0159e smlouvu, kter\u00e1 bude m\u00edt \u00fa\u010dinnost po 1.1. 2013 nebo p\u0159ejde z transformovan\u00e9ho fondu (zp\u011btn\u00fd p\u0159echod nebude mo\u017en\u00fd). V\u00fd\u0161e st\u00e1tn\u00edch p\u0159\u00edsp\u011bvk\u016f bude stejn\u00e1 jako v transformovan\u00fdch fondech.<\/p>\n

          Na dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed navazuje problematika tzv. p\u0159edd\u016fchod\u016f<\/strong> (ji\u017e schv\u00e1leno Sen\u00e1tem). Pokud \u010dlov\u011bk v dob\u011b p\u011bti let p\u0159ed \u0159\u00e1dn\u00fdm d\u016fchodem p\u0159ijde o pr\u00e1ci, m\u016f\u017ee odej\u00edt do p\u0159edd\u016fchodu. P\u0159edd\u016fchody maj\u00ed dv\u011b v\u00fdhody \u2013 (i) osoba se stane st\u00e1tn\u00edm poji\u0161t\u011bncem, nemus\u00ed platit pojistn\u00e9 a (ii) po p\u0159echodu z p\u0159edd\u016fchodu do starobn\u00edho d\u016fchodu nedoch\u00e1z\u00ed ke sn\u00ed\u017een\u00ed starobn\u00edho d\u016fchodu, jako se tomu d\u011bju u p\u0159ed\u010dasn\u00fdch d\u016fchod\u016f. Podm\u00ednkou, aby osoba mohla vyu\u017e\u00edt p\u0159edd\u016fchodu, je to, aby byla v r\u00e1mci dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed naspo\u0159ena dostate\u010dn\u00e1 \u010d\u00e1stka, kterou ministr financ\u00ed Kalousek v Sen\u00e1tu popsal n\u00e1sledovn\u011b:<\/p>\n

          „Kdo m\u00e1 naspo\u0159eno ve t\u0159et\u00edm pil\u00ed\u0159i alespo\u0148 tolik, \u017ee bude moci \u010derpat m\u011bs\u00ed\u010dn\u011b 30 procent v\u00fd\u0161e pr\u016fm\u011brn\u00e9 mzdy, a m\u016f\u017ee to \u010derpat tak dlouho, \u017ee to neskon\u010d\u00ed d\u0159\u00edve ne\u017e t\u0159i roky p\u0159edt\u00edm, ne\u017e mu vznikne n\u00e1rok na starobn\u00ed d\u016fchod.“<\/em><\/p><\/blockquote>\n

          Pro ilustraci \u2013 dnes \u010din\u00ed t\u0159etina pr\u016fm\u011brn\u00e9 mzdy cca 8 000 K\u010d, tak\u017ee aby ob\u010dan mohl vyu\u017e\u00edt p\u0159edd\u016fchodu v maxim\u00e1ln\u00ed mo\u017en\u00e9 d\u00e9lce p\u011bti let musel by m\u00edt naspo\u0159eno cca 480 000 K\u010d.<\/p>\n

          V kontextu problematiky p\u0159edd\u016fchod\u016f je pot\u0159eba zm\u00ednit, \u017ee pro \u00fa\u010dastn\u00edka m\u016f\u017ee nab\u00fdt na v\u00fdznamu takt\u00e9\u017e p\u0159\u00edsp\u011bvek zam\u011bstnavatele, kter\u00fd do v\u00fd\u0161e 2 000 K\u010d m\u011bs\u00ed\u010dn\u011b m\u00e1 da\u0148ov\u011b v\u00fdhodn\u00fd re\u017eim \u2013 pro firmu se jedn\u00e1 o da\u0148ov\u011b uznateln\u00fd n\u00e1klad a u zam\u011bstnance se jedn\u00e1 o da\u0148ov\u011b osvobozen\u00fd p\u0159\u00edjem.<\/p>\n","protected":false},"excerpt":{"rendered":"

          V sou\u010dasn\u00e9 dob\u011b jsme sv\u011bdky dlouho avizovan\u00fdch zm\u011bn na poli penzijn\u00edho syst\u00e9mu. Pokusme se shrnout z\u00e1kladn\u00ed syst\u00e9mov\u00e9 zm\u011bny. Z m\u00e9di\u00ed se na n\u00e1s doslova na ka\u017ed\u00e9m kroku val\u00ed informace ohledn\u011b d\u016fchodov\u00e9 reformy. Jsou zmi\u0148ov\u00e1ny pojmy jako pr\u016fb\u011b\u017en\u00fd d\u016fchodov\u00fd syst\u00e9m, d\u016fchodov\u00e9 spo\u0159en\u00ed, penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed, pil\u00ed\u0159e, p\u0159ed\u010dasn\u00e9 d\u016fchody, p\u0159edd\u016fchody. Toto pojedn\u00e1n\u00ed si klade za c\u00edl, shrnout jednotliv\u00e9 syst\u00e9my (pil\u00ed\u0159e), nast\u00ednit v\u00fdhody a naopak nev\u00fdhody jednotliv\u00fdch syst\u00e9m\u016f.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-259","post","type-post","status-publish","format-standard","hentry","category-nezarazene"],"acf":[],"_links":{"self":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/259","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/comments?post=259"}],"version-history":[{"count":1,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/259\/revisions"}],"predecessor-version":[{"id":3099,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/259\/revisions\/3099"}],"wp:attachment":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/media?parent=259"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/categories?post=259"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/tags?post=259"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}