[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jablenka.cz\/druhy-sporeni\/#Article","mainEntityOfPage":"https:\/\/www.jablenka.cz\/druhy-sporeni\/","headline":"Druhy spo\u0159en\u00ed","name":"Druhy spo\u0159en\u00ed","description":"V dne\u0161n\u00ed dob\u011b se st\u00e1le v\u00edce hovo\u0159\u00ed o finan\u010dn\u00ed gramotnosti a pot\u0159eb\u011b finan\u010dn\u00edch rezerv. I oby\u010dejn\u00fd \u010dlov\u011bk by se tedy m\u011bl […]","datePublished":"2019-12-14","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.jablenka.cz\/author\/#Person","name":"","url":"https:\/\/www.jablenka.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c065076eb86551fdb70725c8063acf1b60a8edaed14ed654228c4cba13121c83?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jablenka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jablenka.cz\/wp-content\/uploads\/img_a364027_w3874_t1576749911.jpg","url":"https:\/\/www.jablenka.cz\/wp-content\/uploads\/img_a364027_w3874_t1576749911.jpg","height":0,"width":0},"url":"https:\/\/www.jablenka.cz\/druhy-sporeni\/","about":["Finance"],"wordCount":584,"articleBody":"V dne\u0161n\u00ed dob\u011b se st\u00e1le v\u00edce hovo\u0159\u00ed o finan\u010dn\u00ed gramotnosti a pot\u0159eb\u011b finan\u010dn\u00edch rezerv. I oby\u010dejn\u00fd \u010dlov\u011bk by se tedy m\u011bl alespo\u0148 \u010d\u00e1ste\u010dn\u011b orientovat v bankovn\u00edch \u010di pojistn\u00fdch produktech nab\u00edzej\u00edc\u00ed zhodnocov\u00e1n\u00ed kapit\u00e1lu a \u00faspor. Nen\u00ed t\u0159eba se d\u011bsit, a\u010d kolikr\u00e1t pojmenov\u00e1no slo\u017eit\u00fdmi ciz\u00edmi v\u00fdrazy, mo\u017enosti b\u011b\u017en\u00e9ho smrteln\u00edka jsou snadno dostupn\u00e9 a nijak n\u00e1ro\u010dn\u00e9 na pochopen\u00ed v\u00fdhod a nev\u00fdhod. Pokud p\u0159eci jen budete t\u00e1pat, doporu\u010dujeme se obr\u00e1tit na certifikovan\u00e9ho finan\u010dn\u00edho poradce. Jste-li v situaci, kdy nem\u00e1te doporu\u010den\u00ed na konkr\u00e9tn\u00edho \u010dlov\u011bka, je dobr\u00e9 se obr\u00e1tit na v\u011bt\u0161\u00ed firmy a hned na \u00favodn\u00ed sch\u016fzce si vyzkou\u0161et profesionalitu a ochotu v\u0161e vysv\u011btlit a dolo\u017eit podp\u016frn\u00fdmi materi\u00e1ly a n\u011bkolika variantami. Z\u00e1kladem by tak\u00e9 m\u011blo b\u00fdt, abyste se nec\u00edtili jakkoli pod n\u00e1tlakem na uzav\u0159en\u00ed toho \u010di onoho produktu. P\u0159\u00edpadn\u011b se m\u016f\u017eete vypravit na pobo\u010dku banky nebo poji\u0161\u0165ovny, kde v\u00e1m \u00fa\u0159edn\u00edci jist\u011b nab\u00eddnou vlastn\u00ed varianty spo\u0159en\u00ed \u010di investov\u00e1n\u00ed. Krom\u011b procent zhodnocen\u00ed, c\u00edlov\u00e9 \u010d\u00e1stky a doby trv\u00e1n\u00ed, je tak\u00e9 dobr\u00e9 si ohl\u00eddat vstupn\u00ed poplatky, poplatky za veden\u00ed \u00fa\u010dtu a p\u0159\u00edpadn\u00e9 vypov\u011bzen\u00ed \u010di kdy a za jak\u00fdch podm\u00ednek je mo\u017en\u00e9 s va\u0161imi pen\u011bzi manipulovat.Mezi nej\u010dast\u011bj\u0161\u00ed a nejvyhled\u00e1van\u011bj\u0161\u00ed finan\u010dn\u00ed produkty za \u00fa\u010delem spo\u0159en\u00ed pat\u0159\u00ed:\t\tSTAVEBN\u00cd SPO\u0158EN\u00cd\t\tTato nest\u00e1rnouc\u00ed klasika m\u00e1 dodnes mnoho poskytovatel\u016f i klient\u016f. Spo\u0159en\u00ed je na dobu ur\u010ditou, konkr\u00e9tn\u011b na 6 let, b\u011bhem n\u00ed\u017e je nemo\u017en\u00e9 s pen\u011bzi manipulovat. Mezi v\u00fdhody pat\u0159\u00ed podpora st\u00e1tu – k v\u00e1mi naspo\u0159en\u00e9 \u010d\u00e1stce m\u016f\u017eete z\u00edskat p\u0159\u00edsp\u011bvek a\u017e do v\u00fd\u0161e 2000K\u010d za rok (dle va\u0161ich vklad\u016f), d\u00e1le se zhodnocuje podle \u00farokov\u00e9 sazby poskytovatele. Pokud hodl\u00e1te vyu\u017e\u00edt na rekonstrukci a modernizaci va\u0161eho bydlen\u00ed, z\u00edsk\u00e1te snadno v\u00fdhodn\u00fd \u00fav\u011br. Nev\u00fdhodou je poplatek za zalo\u017een\u00ed a veden\u00ed, ka\u017ed\u00fd \u010dlov\u011bk m\u016f\u017ee m\u00edt pouze jedno stavebn\u00ed spo\u0159en\u00ed a nevyhnete se dani z \u00farok\u016f. Zhodnocen\u00ed pen\u011bz je tak sice bezpe\u010dn\u00e9, ale n\u00edzk\u00e9. \t\tINVESTI\u010cN\u00cd SPO\u0158EN\u00cd\t\tDnes druh\u00e1 nejvyhled\u00e1van\u011bj\u0161\u00ed varianta, kterou v\u00e1m zprost\u0159edkuje banka \u010di investi\u010dn\u00ed spole\u010dnost. Velkou v\u00fdhodou je, \u017ee si sami nastav\u00edte typ investice dle v\u011bku, c\u00edle, m\u00edry zabezpe\u010den\u00ed a rizika. Pokud se ocitnete v situaci, \u017ee v\u00e1m nevych\u00e1z\u00ed finance na spo\u0159en\u00ed, prost\u011b je nepos\u00edl\u00e1te, ale produkt v\u00e1m b\u011b\u017e\u00ed d\u00e1l, nikdo v\u00e1s neupom\u00edn\u00e1. Nemus\u00edte tak\u00e9 sledovat situaci na burze, to d\u011blaj\u00ed spr\u00e1vci za v\u00e1s a dost\u00e1v\u00e1te tedy mo\u017enost slu\u0161n\u00e9ho zhodnocen\u00ed, s minim\u00e1ln\u00edm \u00fasil\u00edm. Samoz\u0159ejm\u011b i tato varianta m\u00e1 nev\u00fdhody. Plat\u00edte v\u011bt\u0161inou vy\u0161\u0161\u00ed vstupn\u00ed poplatek, veden\u00ed \u00fa\u010dtu a celkov\u00e1 naspo\u0159en\u00e1 \u010d\u00e1stka je bez garance, z\u00e1le\u017e\u00ed toti\u017e \u010dasto moment\u00e1ln\u00ed situaci na trhu. Samoz\u0159ejm\u011b se nejedn\u00e1 o jedin\u00e9 mo\u017enosti. M\u016f\u017eete d\u00e1le vyu\u017e\u00edt penzijn\u00ed spo\u0159en\u00ed, poji\u0161t\u011bn\u00ed a mnoho dal\u0161\u00edch variant.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy spo\u0159en\u00ed","item":"https:\/\/www.jablenka.cz\/druhy-sporeni\/#breadcrumbitem"}]}]