pension_calculator.xlsx
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Doplnkove penzijni sporeni (DPS)
nII'deltas-investdeltas-kontodeltas-CH
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Parametry
11.0000001.0000001.000011
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Mesicni prispevek
1000
Moje prispevky
480,000.00 21.0185271.0339001.05701.0171.0286
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Poplatek za zpravu
1.00%
Statni prispevky
110,400.00 31.0373971.0689491.11721.0342891.05801796
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Poplatek za vynos
15%inc' 14,760.00 41.0566171.1051871.18091.0518719131.088277274
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Prispevek statu230inc 15,031.03 51.0761921.1426521.24821.0697537361.119402004
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Zdaneni pri vyplaceni
15%
jen na vynos!
inc'' 12,220.35 61.0961311.1813881.31941.0879395491.151416901
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Ocekavany vynos (p.a.)
3.39%inc''' 2,810.68 71.1164391.2214371.39461.1064345211.184347424
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Pocet let40I'1.033981.1371231.2628441.47411.1252439081.218219761
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Dan z uroku0%I1.018591.1581901.3056551.55811.1443730551.253060846
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Vysledky 101.1796481.3499161.64691.1638273971.288898386
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Vypocet skutecne uspory v ceskem tretim piliri a provnani s tremi kotrolnimi pripady: (2) sporici ucet, (1) investice do podilove fondu, (3) svycarsky treti pilir.

Veskera data bez zaruky spravnosti. Nejsem financni poradce ani nemam ekonomicke vzdelani. V zadnem pripade nenesu zodpovednost za vasi pripadnou financni ztratu.
Hrube uspory
879,466.86 111.2015031.3956781.74081.1836124621.32576088
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Celk. zhodnoceni
289,066.86 121.2237631.4429921.84001.2037338741.363677641
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-> z meho
235,013.70 131.2464351.4919091.94491.224197351.402678822
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-> ze statniho
54,053.15 141.2695281.5424852.05581.2450087051.442795436
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Ciste uspory
836,106.83 151.2930481.5947752.17301.2661738531.484059385
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Danova sleva
- 161.3170041.6488382.29681.2876988081.526503484
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Odmena poskytovateli
359,544.61 171.3414041.7047342.42771.3095896881.570161483
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Zpet statu
43,360.03 181.3662561.7625242.56611.3318527131.615068102
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kontrola 1 = samostatna investice
jen teoreticky priklad
191.3915691.8222742.71241.3544942091.66125905
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201.4173501.8840492.86701.3775206111.708771058
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Ocek. vynos (p.a.)
7.00%gamma12000211.4436091.9479183.03041.4009384611.757641911
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TER0.20%delta1.05700221.4703552.0139533.20311.4247544151.807910469
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Poplatky0.05%231.4975962.0822263.38571.448975241.859616709
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Dan15.00%
Ciste uspory
1,722,803.21 241.5253422.1528133.57871.4736078191.912801747
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251.5536012.2257933.78271.4986591521.967507877
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kontrola 2 = Sporici ucet
jen teoreticky priklad
261.5823852.3012483.99831.5241363572.023778602
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271.6117012.3792604.22621.5500466762.08165867
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Urok2.00%gamma12000281.6415612.4599174.46711.5763974692.141194108
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Dan z uroku15%delta1.01700291.6719742.5433084.72171.6031962262.202432259
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301.7029502.6295264.99091.6304505622.265421822
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Ciste uspory
679,502.52 311.7345012.7186675.27531.6581682212.330212886
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321.7666352.8108305.57601.6863570812.396856974
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kontrola 3 = Svycarsky treti pilir
331.7993662.9061175.89391.7150251522.465407084
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https://viac.ch/strategien/
341.8327023.0046356.22981.7441805792.535917727
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Urok3.39%gamma12000351.8666563.1064926.58491.7738316492.608444974
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Zdaneni pri vyplaceni
4.56%na vsedelta1.0286361.9012403.2118026.96021.8039867872.6830465
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TER0.53%371.9364643.3206827.35701.8346545622.75978163
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Dan z prijmu15%
Gross Savings
876,631.50 381.9723403.4332537.77631.865843692.838711384
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Total Interest
396,631.50 392.0088823.5496408.21961.8975630332.91989853
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Ciste uspory
836,657.11 402.0461003.6699738.68811.9298216043.003407628
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Danova sleva
72,000.00
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Odmena poskytovateli
112,531.38
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Zpet stat/kanton
39,974.40
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Porovnavam s nejlepsi nabidkou ve Svycarsku.
Dan z prijmu a dan pri vyplaceni zalezi na mnoha faktorech (vyse uspory, bydliste, rodinny status, prislusnost k vire, ...), zde pro svobodny,ZH,bez prislusnosti.
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Vysvetlivky
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TER
Total expense ratio
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p.a.
per annum
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