Retirement planning

The Czech state pension averages 21 000 CZK/month — and that's today. By the time you retire in 20 years, it won't be much higher. If you want to maintain your current lifestyle, you need to cover the gap yourself.

Good news: starting early makes it painless. You don't need to dramatically restrict today's life — you just need the right products, consistent monthly contributions and compound interest working for you.

Tools I use

• DIP (Long-term investment product) — tax deduction up to 48 000 CZK/year
• Supplementary pension savings (DPS) — with state contribution up to 340 CZK/month
• Investment portfolio outside pension products — for maximum flexibility
• Life insurance with investment component — only where it makes sense
• Rental property — rental income during retirement

How much to save monthly

Depends on age, goal, current income and existing savings. Rule of thumb: the sooner you start, the less you need monthly. Starting at 30, around 3 000 CZK/month works for a solid retirement. At 50, you're looking at 15 000+ CZK/month.

We'll calculate your specific numbers together — and I'll show you the exact mix of products that gives you the most for the money.