{"id":6207,"date":"2019-07-22T00:00:00","date_gmt":"2019-07-21T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/preco-sa-z-bank-stracaju-peniaze-klientov-aj-na-uctoch-so-zhodnotenim-vysvetluje-odbornik\/"},"modified":"2019-07-22T00:00:00","modified_gmt":"2019-07-21T23:00:00","slug":"preco-sa-z-bank-stracaju-peniaze-klientov-aj-na-uctoch-so-zhodnotenim-vysvetluje-odbornik","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/preco-sa-z-bank-stracaju-peniaze-klientov-aj-na-uctoch-so-zhodnotenim-vysvetluje-odbornik\/","title":{"rendered":"Kv\u00f4li infl\u00e1cii prich\u00e1dzame o svoje \u00faspory nielen teoreticky. Pre\u010do? Vysvet\u013euje odborn\u00edk"},"content":{"rendered":"<p style=\"padding-left: 30px;\">Slov\u00e1ci maj\u00fa v bank\u00e1ch ulo\u017een\u00e9 viac ako 0,9 miliardy eur v \u010distej hodnote (\u00fadaj z roku 2017). S\u00fa to peniaze na be\u017enom alebo sporiacom \u00fa\u010dte.<\/p>\n<p>Pre\u010do je to tak? \u013dudia chc\u00fa ma\u0165 istoty a tak maj\u00fa nulov\u00e9 a\u017e minim\u00e1lne zhodnotenie, ktor\u00e9 pr\u00e1ve banky svojim klientom pon\u00fakaj\u00fa. Treba si ale uvedomi\u0165 ako tak\u00e9 n\u00edzke \u00farokov\u00e9 sadzby vpl\u00fdvaj\u00fa na peniaze klientov.<\/p>\n<p>Na be\u017enom \u00fa\u010dte je to \u0161tandardne 0% p.a. a na sporiacich \u00fa\u010dtoch aktu\u00e1lne max do 0,7 % p.a. (okrem jednej banky, ktor\u00e1 pon\u00faka 5% p.a., ale pri splnen\u00ed ur\u010dit\u00fdch podmienok a istej viazanosti). Netreba zab\u00fada\u0165 aj na poplatky a zdanenie nasporenej sumy, v\u00fdrazne to vpl\u00fdva na v\u00fdsledn\u00fa hodnotu.<\/p>\n<p>Pre\u010do tvrd\u00edm, \u017ee peniaze str\u00e1caj\u00fa svoju hodnotu, aj ke\u010f zhodnotenie banky maj\u00fa?<\/p>\n<p>&nbsp;<\/p>\n<h3>Infl\u00e1cia &#8211; \u017er\u00fat hodnoty pe\u0148az\u00ed<\/h3>\n<p>V kr\u00e1tkosti, infl\u00e1cia je jav, kedy doch\u00e1dza k znehodnoteniu pe\u0148az\u00ed. Znamen\u00e1 to, \u017ee ak som si k\u00fapil mlieko za 1\u20ac, bud\u00faci rok mi 1\u20ac na to ist\u00e9 mlieko nebude sta\u010di\u0165.<\/p>\n<p>Ak by som dr\u017eal na sporiacom \u00fa\u010dte 50 000\u20ac, tak v\u010faka infl\u00e1cii bude hodnota bud\u00faci rok ni\u017e\u0161ia. Aktu\u00e1lne sa pohybuje infl\u00e1cia pohybuje medzi 2-3 %, \u010co to pre 50 000\u20ac bud\u00faci rok znamen\u00e1?<\/p>\n<p>50 000\u20ac na be\u017enom \u00fa\u010dte s 0% p.a. zhodnoten\u00edm a pri infl\u00e1cii 2% priemerne m\u00e1me bud\u00faci rok hodnotu vkladu len 49 000 \u20ac. Skvel\u00fdm pr\u00edkladom je aj to, \u017ee pred 25 rokmi sa dal 3-izbov\u00fd byt k\u00fapi\u0165 priemerne za 30 000 Sk &#8211; 40 000 Sk ( 996 \u20ac &#8211; 1320 \u20ac). Pri dne\u0161n\u00fdch platoch by si ho aj priemerne zar\u00e1baj\u00faci Slov\u00e1k dok\u00e1zal k\u00fapi\u0165 z mesa\u010dn\u00e9ho pr\u00edjmu.<\/p>\n<h3>Zisk? Len pri zhodnoten\u00ed vy\u0161\u0161om, ako je miera infl\u00e1cie<\/h3>\n<p>S be\u017en\u00fdm \u00fa\u010dtom alebo sporiacim \u00fa\u010dtom maxim\u00e1lne do 1% p.a., sa nad mieru infl\u00e1cie nedostaneme. Konzervat\u00edvne Slovensko m\u00e1 ale z vy\u0161\u0161ieho zhodnotenia strach. Presnej\u0161ie strach z n\u00e1strojov, ktor\u00fdmi sa vy\u0161\u0161ie percento zhodnotenia d\u00e1 dosiahnu\u0165.<\/p>\n<p>Pomocou investi\u010dn\u00fdch n\u00e1strojov je mo\u017en\u00e9 prekona\u0165 hranicu infl\u00e1cie a peniaze Slov\u00e1kov by u\u017e nemuseli str\u00e1ca\u0165 na hodnote.<\/p>\n<p>Probl\u00e9mom je ale ned\u00f4vera v nie\u010do, \u010do v\u00e4\u010d\u0161ina Slov\u00e1kov nepozn\u00e1 a preto tomu ned\u00f4veruje. Ale spr\u00e1vne rozvrhnut\u00e9 portf\u00f3lio, ktor\u00e9 je odkomunikovan\u00e9 s finan\u010dn\u00fdm poradcom a presne nastaven\u00e9 na ciele dan\u00e9ho \u010dloveka, dok\u00e1\u017ee v bud\u00facnosti ochr\u00e1ni\u0165 peniaze pred \u201cdefektom\u201d znehodnotenia.<\/p>\n<h3>R\u00fdchlo dostupn\u00e1 rezerva je v poriadku. V\u0161etko ostatn\u00e9 premiestni\u0165.<\/h3>\n<p>\u010cl\u00e1nkom nem\u00e1m v \u00famysle hani\u0165 be\u017en\u00e9 alebo sporiace \u00fa\u010dty, pr\u00e1ve naopak. Aj tie maj\u00fa svoje zast\u00fapenie v nastaven\u00ed pre klienta. Na nich odpor\u00fa\u010dam dr\u017ea\u0165 len r\u00fdchlo dostupn\u00fa rezervu, pre pr\u00edpad neo\u010dak\u00e1van\u00fdch udalost\u00ed ako som p\u00edsal v \u010dl\u00e1nku o finan\u010dn\u00fdch rezerv\u00e1ch. V\u0161etko ostatn\u00e9 by malo \u00eds\u0165 na vy\u0161\u0161ie zhodnocovanie.<\/p>\n<h3>Kde zhodnocova\u0165? Nikdy nie na jednu kartu<\/h3>\n<p>D\u00f4le\u017eitej\u0161ie ako <em>kde<\/em> zhodnocova\u0165 je <em>kedy v\u00f4bec za\u010da\u0165<\/em> zhodnocova\u0165. Ale ak u\u017e \u010dlovek za\u010dne, mal by ma\u0165 jasn\u00e9 vod\u00edtka. S nastaven\u00edm vie pom\u00f4c\u0165 finan\u010dn\u00fd poradca. Na toto si ale dajte pozor:<\/p>\n<ul>\n<li>V\u017edy dodr\u017ete odpor\u00fa\u010dan\u00fa investi\u010dn\u00fa dobu, presne na dan\u00e9 obdobie sa nastavuje strat\u00e9gia.<\/li>\n<li>Neb\u00e1\u0165 sa v\u00fdkyvov na finan\u010dn\u00fdch trhoch.<\/li>\n<li>Ned\u00e1va\u0165 peniaze len na jednu kartu znamen\u00e1, \u017ee n\u00e1stroj m\u00e1 by\u0165 diverzifikovan\u00fd proti mo\u017enostiam straty. Podielov\u00e9 fondy maj\u00fa t\u00fa v\u00fdhodu, \u017ee jeden fond m\u00f4\u017ee investova\u0165 do nieko\u013eko desiatok prosperuj\u00facich firiem. A ak m\u00e1m 2 a\u017e 3 tak\u00e9to fondy v jednom, zni\u017eujem si tak riziko mo\u017enej straty.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Ver\u00edm, \u017ee ak \u010dlovek z\u00edska viac inform\u00e1cii a prestane sa ob\u00e1va\u0165, m\u00f4\u017ee za odmenu vy\u0165a\u017ei\u0165 zo svojich pe\u0148az\u00ed viac a ma\u0165 tak lep\u0161\u00ed \u017eivot. A pr\u00e1ve to sa po\u010d\u00edta: ma\u0165 sa lep\u0161ie ako doteraz.<\/p>","protected":false},"excerpt":{"rendered":"<p>Ak m\u00e1te na svojom be\u017enom alebo sporiacom \u00fa\u010dte v banke svoje peniaze, ka\u017ed\u00fdm rokom o ne viac a viac prich\u00e1dzate<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-6207","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=6207"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6207\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6207"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6207"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}