[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ace-cr.cz\/jak-zhodnotit-sve-uspory\/#Article","mainEntityOfPage":"https:\/\/www.ace-cr.cz\/jak-zhodnotit-sve-uspory\/","headline":"Jak zhodnotit sv\u00e9 \u00faspory","name":"Jak zhodnotit sv\u00e9 \u00faspory","description":"V posledn\u00edch letech jsme si zvykli na velice n\u00edzk\u00e9 \u00farokov\u00e9 sazby. Tato skute\u010dnost p\u0159eje \u00fav\u011br\u016fm, d\u00edky \u010demu\u017e roste trh s realitami. Nikdy nebylo jednodu\u0161\u0161\u00ed vz\u00edt si hypot\u00e9ku na vlastn\u00ed bydlen\u00ed. Na druhou stranu jsou na tom bit\u00ed ti, kte\u0159\u00ed maj\u00ed \u00faspory. Tyto finance je toti\u017e velice t\u011b\u017ek\u00e9 n\u011bjak\u00fdm zp\u016fsobem zhodnotit (alespo\u0148 na hranici inflace, i […]","datePublished":"2016-10-19","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.ace-cr.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ace-cr.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ace-cr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ace-cr.cz\/wp-content\/uploads\/img_a278213_w1746_t1602053443.jpg","url":"https:\/\/www.ace-cr.cz\/wp-content\/uploads\/img_a278213_w1746_t1602053443.jpg","height":0,"width":0},"url":"https:\/\/www.ace-cr.cz\/jak-zhodnotit-sve-uspory\/","about":["Finance"],"wordCount":632,"articleBody":"\tV posledn\u00edch letech jsme si zvykli na velice n\u00edzk\u00e9 \u00farokov\u00e9 sazby. Tato skute\u010dnost p\u0159eje \u00fav\u011br\u016fm, d\u00edky \u010demu\u017e roste trh s realitami. Nikdy nebylo jednodu\u0161\u0161\u00ed vz\u00edt si hypot\u00e9ku na vlastn\u00ed bydlen\u00ed. Na druhou stranu jsou na tom bit\u00ed ti, kte\u0159\u00ed maj\u00ed \u00faspory. Tyto finance je toti\u017e velice t\u011b\u017ek\u00e9 n\u011bjak\u00fdm zp\u016fsobem zhodnotit (alespo\u0148 na hranici inflace, i kdy\u017e i ta je n\u00edzk\u00e1). Skoro by se s nads\u00e1zkou dalo \u0159\u00edct, \u017ee „je lep\u0161\u00ed pen\u00edze dlu\u017eit ne\u017e m\u00edt“. Ale to je opravdu jen nads\u00e1zka. Jak tedy m\u016f\u017eete se sv\u00fdmi \u00fasporami nalo\u017eit?\t\tFinan\u010dn\u00ed (a dal\u0161\u00ed) trhy nab\u00edzej\u00ed v z\u00e1sad\u011b tyto mo\u017enosti:\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ulo\u017eit pen\u00edze na b\u011b\u017en\u00e9m \u00fa\u010dtu,\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ulo\u017eit pen\u00edze na spo\u0159\u00edc\u00edm \u00fa\u010dtu,\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 ulo\u017eit pen\u00edze na term\u00ednovan\u00e9m vkladu,\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 vlo\u017eit pen\u00edze do fond\u016f finan\u010dn\u00edho trhu,\t\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 investovat do komodit (zlato, diamanty, um\u011bn\u00ed, nemovitosti, …).\t\tPohotovostn\u00ed rezervaB\u011b\u017en\u00fd \u00fa\u010det uv\u00e1d\u00edme snad jen pro po\u0159\u00e1dek, proto\u017ee je jasn\u00e9, \u017ee zde se pen\u00edze nez\u00faro\u010d\u00ed. Banky ji\u017e nenab\u00edzej\u00ed \u00faroky z kladn\u00e9ho z\u016fstatku a nav\u00edc n\u011bkter\u00e9 banky st\u00e1le je\u0161t\u011b strh\u00e1vaj\u00ed poplatky za veden\u00ed \u00fa\u010dtu. Spo\u0159\u00edc\u00ed \u00fa\u010dty ji\u017e nab\u00edzej\u00ed jak\u00e9si zhodnocen\u00ed, ale st\u00e1le pod hladinou inflace. V\u011bt\u0161ina spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f nab\u00edz\u00ed zhodnocen\u00ed hluboko pod jedn\u00edm procentem, v\u00fdjimkou jsou snad jen za\u010d\u00ednaj\u00edc\u00ed produkty, kter\u00e9 nab\u00edzej\u00ed vy\u0161\u0161\u00ed \u00farok kr\u00e1tkodob\u011b za \u00fa\u010delem nal\u00e1k\u00e1n\u00ed klient\u016f.Na b\u011b\u017en\u00fdch a spo\u0159\u00edc\u00edch \u00fa\u010dtech se tedy vyplat\u00ed m\u00edt pen\u00edze pro b\u011b\u017enou spot\u0159ebu a pohotovostn\u00ed rezervu pro p\u0159\u00edpad ne\u010dekan\u00e9 (nebo v bl\u00edzk\u00e9 dob\u011b pl\u00e1novan\u00e9) investice. Oprava auta nebo dom\u00e1c\u00edch spot\u0159ebi\u010d\u016f n\u00e1s v\u011bt\u0161inou p\u0159ekvap\u00ed, kdy\u017e je to nejm\u00e9n\u011b vhodn\u00e9, a proto je lep\u0161\u00ed m\u00edt pen\u00edze po ruce.\tSt\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9 investicePokud v\u00edte, \u017ee m\u00e1te voln\u00e9 finance, kter\u00e9 nebudete del\u0161\u00ed dobu pot\u0159ebovat, je vhodn\u011bj\u0161\u00ed ulo\u017eit je dlouhodob\u011b. Nejm\u00e9n\u011b rizikov\u00e9 jsou tzv. term\u00ednovan\u00e9 vklady, op\u011bt ale nab\u00edzej\u00ed jen o n\u011bco m\u00e1lo vy\u0161\u0161\u00ed zhodnocen\u00ed ne\u017e spo\u0159\u00edc\u00ed \u00fa\u010dty v z\u00e1vislosti na d\u00e9lce term\u00ednovan\u00e9ho vkladu. Nezapome\u0148te ale, \u017ee pokud budete pen\u00edze pot\u0159ebovat d\u0159\u00edve a vklad vyberete p\u0159ed uplynut\u00edm ur\u010den\u00e9 doby, banka si v\u011bt\u0161inou \u00fa\u010dtuje sankce.Rizikov\u011bj\u0161\u00ed ale potenci\u00e1ln\u011b ziskov\u011bj\u0161\u00ed jsou pod\u00edlov\u00e9 fondy. M\u016f\u017eete si vybrat z \u0161irok\u00e9 \u0161k\u00e1ly produkt\u016f podle rizikovosti, oblasti, do kter\u00e9 fondy investuj\u00ed, atd. V\u011bt\u0161inou v\u0161ak plat\u00ed, \u017ee \u010d\u00edm rizikov\u011bj\u0161\u00ed fond, t\u00edm d\u00e9le by m\u011bly b\u00fdt pen\u00edze ulo\u017een\u00e9. Mluv\u00edme zde o horizontu 2-5 let. Finance lze samoz\u0159ejm\u011b vybrat d\u0159\u00edve, ale s rizikem ztr\u00e1ty, proto\u017ee pod\u00edlov\u00e9 fondy si z ka\u017ed\u00e9ho vkladu strh\u00e1vaj\u00ed mana\u017eersk\u00fd poplatek, tak\u017ee v po\u010d\u00e1te\u010dn\u00edm obdob\u00ed fond vyd\u011bl\u00e1v\u00e1 na tyto poplatky.\tInvestice do komoditV p\u0159\u00edpad\u011b, \u017ee m\u00e1te v\u011bt\u0161\u00ed mno\u017estv\u00ed prost\u0159edk\u016f,kter\u00e9 nebudete pot\u0159ebovat v obdob\u00ed \u0159ekn\u011bme 10 a v\u00edce let, je mo\u017en\u00e9 uva\u017eovat o investic\u00edch do komodit jako jsou diamanty, zlato, nemovitosti nebo staro\u017eitnosti. V t\u011bchto oblastech v\u0161ak v\u00edce \u010di m\u00e9n\u011b plat\u00ed \u017ee byste o dan\u00fdch komodit\u00e1ch m\u011bli m\u00edt p\u0159ehled nebo by V\u00e1m m\u011bl n\u011bkdo odborn\u011b poradit. Aby Va\u0161i potomci po letech nezjistili, \u017ee ten zaru\u010den\u011b prav\u00fd obraz je ve skute\u010dnosti jen pad\u011blek.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zhodnotit sv\u00e9 \u00faspory","item":"https:\/\/www.ace-cr.cz\/jak-zhodnotit-sve-uspory\/#breadcrumbitem"}]}]