{
  "checked_on": "2026-10-22",
  "created_on": "2026-10-01",
  "retained_visuals": {
    "dip": {
      "files": [
        "/assets/fondee-refresh-20261001/dip.svg",
        "/assets/fondee-refresh-20261001/dip-mobil.svg"
      ],
      "type": "Diagram of two simultaneous statutory conditions, not a return forecast",
      "conditions": [
        "120 calendar months from creation",
        "No earlier than calendar year of age 60"
      ],
      "exceptions": "Qualified complete transfer and statutory exceptions have their own rules; contractual first eligible day must be confirmed.",
      "sources": [
        "https://financnisprava.gov.cz/cs/dane/dane/dan-z-prijmu/zamestnanci-zamestnavatele/obecne-informace",
        "https://fondeeprod.blob.core.windows.net/assets/assets/Obchodni_podminky_Direct_Fondee_cc0119b4dc.pdf"
      ]
    },
    "child": {
      "files": [
        "/assets/fondee-refresh-20261001/dite.svg",
        "/assets/fondee-refresh-20261001/dite-mobil.svg"
      ],
      "model": true,
      "value_czk": 100000,
      "rolling_days": 365,
      "previous_withdrawals_czk": 6000,
      "other_customer_requested_sales_czk": 0,
      "threshold_czk": 10000,
      "alternative_new_withdrawals_czk": [
        4000,
        5000
      ],
      "totals_czk": [
        10000,
        11000
      ],
      "within_limit": [
        true,
        false
      ],
      "limitations": "Alternative examples, not sequential withdrawals. Constant pre-instruction value. No price changes or new deposits. Not a guaranteed accepted instruction. Full withdrawal has its own terms. Autonomous rebalancing sales are not automatically customer-requested sales.",
      "sources": [
        "https://fondeeprod.blob.core.windows.net/assets/assets/2026_10_15_CZ_Cenik_774fe4f5db.pdf",
        "https://fondeeprod.blob.core.windows.net/assets/assets/Fondee_smlouva_nezletili_3a56cace16.pdf"
      ]
    }
  },
  "fee_tables": {
    "dip": {
      "base_czk": [
        100000,
        200000,
        1000000
      ],
      "management_pct": 0.3,
      "assumed_ter_pct": 0.15,
      "total_czk": [
        450,
        900,
        4500
      ]
    },
    "child": {
      "base_czk": [
        50000,
        100000,
        300000
      ],
      "management_pct": 0.242,
      "assumed_ter_pct": 0.15,
      "total_czk": [
        196,
        392,
        1176
      ]
    },
    "assumptions": "Fixed portfolio value for one model year, current tariff incl VAT. TER applied to same simplified base; real cash weight and ETF mix differ. No flows, growth, FX changes, taxes or extraordinary charges. Not an actual 2026 fee statement.",
    "source": "https://fondeeprod.blob.core.windows.net/assets/assets/2026_10_15_CZ_Cenik_774fe4f5db.pdf"
  },
  "tax_examples": {
    "model": true,
    "personal_deposits_czk": [
      24000,
      48000,
      48000,
      60000
    ],
    "other_supported_deduction_czk": [
      0,
      0,
      12000,
      0
    ],
    "dip_deduction_czk": [
      24000,
      48000,
      36000,
      48000
    ],
    "tax_rate_pct": 15,
    "saving_czk": [
      3600,
      7200,
      5400,
      7200
    ],
    "assumptions": "Deduction fully usable at selected marginal tax rate. Actual tax liability, other deductions, credits and regime may limit savings.",
    "sources": [
      "https://mf.gov.cz/cs/financni-trh/ochrana-spotrebitele/aktuality/2024/dlouhodoby-investicni-produkt-a-danova-podpora-pro-54732",
      "https://financnisprava.gov.cz/cs/dane/dane/dan-z-prijmu/zamestnanci-zamestnavatele/obecne-informace"
    ]
  }
}