{"id":7477,"date":"2022-01-17T00:00:00","date_gmt":"2022-01-16T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/cesi-vedia-nasporit-viac-ako-dvojnasobok-toho-co-slovaci-mame-vysoky-dlh-a-ceny-ale-slabe-mzdy\/"},"modified":"2022-01-17T00:00:00","modified_gmt":"2022-01-16T23:00:00","slug":"cesi-vedia-nasporit-viac-ako-dvojnasobok-toho-co-slovaci-mame-vysoky-dlh-a-ceny-ale-slabe-mzdy","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/cesi-vedia-nasporit-viac-ako-dvojnasobok-toho-co-slovaci-mame-vysoky-dlh-a-ceny-ale-slabe-mzdy\/","title":{"rendered":"\u010cesi vedia naspori\u0165 viac ako dvojn\u00e1sobok toho, \u010do Slov\u00e1ci. M\u00e1me vysok\u00fd dlh a ceny, ale slab\u00e9 mzdy"},"content":{"rendered":"ILUSTRA\u010cN\u00c1 FOTOGRAFIA: \u017dena v obchode sa pozer\u00e1 na displej mobilu s n\u00e1kupn\u00fdm zoznamom a zva\u017euje, ktor\u00fd v\u00fdrobok m\u00e1 k\u00fapi\u0165. Autorom fotografie je Viki Mohamad\n

Kto sa m\u00e1 lep\u0161ie, Slov\u00e1ci, Poliaci, \u010cesi \u010di Bulhari?<\/h3>\n

Dobre sa zamyslite. Ko\u013eko pe\u0148az\u00ed m\u00e1te na \u00fa\u010dte? A doma v hotovosti? Pripo\u010d\u00edtajte svoje \u00faspory na sporiacich \u00fa\u010dtoch a v pr\u00edpadn\u00fdch invest\u00edci\u00e1ch. Ko\u013eko to bude dokopy \u010dini\u0165? Nieko\u013eko stoviek eur, tis\u00edcok alebo dokonca viac ako desa\u0165tis\u00edc eur? Je nanajv\u00fd\u0161 nevyhnutn\u00e9 ma\u0165 vo svojich peniazoch preh\u013ead a dok\u00e1za\u0165 odpovede na tieto ot\u00e1zky poveda\u0165 hoci aj o polnoci. V\u00e4\u010d\u0161ina Slov\u00e1kov v\u0161ak e\u0161te ani dnes nem\u00e1 dostato\u010dn\u00fa finan\u010dn\u00fa gramotnos\u0165 a plat\u00ed to aj pre deti, ktor\u00e9 rodi\u010dia neved\u00fa k skuto\u010dnej finan\u010dnej samostatnosti.<\/p>\n

[visual-link-preview encoded=“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″]<\/p>\n

Nedostato\u010dn\u00e1 finan\u010dn\u00e1 gramotnos\u0165 sa spolo\u010dne s relat\u00edvne n\u00edzkymi pr\u00edjmami v krajine st\u00e1va pr\u00ed\u010dinou vysokej zad\u013a\u017eenosti a n\u00edzkych \u00faspor<\/strong> aj po dlh\u00fdch rokoch produktivity.<\/p>\n

E\u0161te nie tak d\u00e1vno bolo sporenie jedinou cestou, ako si mlad\u00ed \u013eudia mohli zadov\u00e1\u017ei\u0165 to, \u010do chceli a potrebovali. Spr\u00edstupnenie dostupn\u00fdch p\u00f4\u017ei\u010diek a finan\u010dn\u00fdch produktov, ako kreditn\u00fdch kariet, povolen\u00fdch pre\u010derpan\u00ed a podobne, do ve\u013ekej miery zv\u00fd\u0161ilo kvalitu \u017eivota a dostupnos\u0165 produktov a slu\u017eieb. Na \u010do sa v\u0161ak peniaze po\u017ei\u010daj\u00fa, to sa odpo\u010d\u00edta zo sporenia. Poukazuje na to aj v\u00fdsledok \u0161t\u00fadie Allianz Global Wealth Report 2021. Zo spr\u00e1vy, ktor\u00fa nemeck\u00e1 finan\u010dn\u00e1 skupina publikuje ka\u017ed\u00fd rok, sumarizuje, \u017ee priemern\u00fd Slov\u00e1k vlastn\u00ed \u010dist\u00e9 finan\u010dn\u00e9 akt\u00edva vo v\u00fd\u0161ke 7 531 eur<\/strong>, \u010do je podstatne menej ako obyvatelia ostatn\u00fdch kraj\u00edn Eur\u00f3py.<\/p>\n

Dokonca je na tom priemern\u00fd Slov\u00e1k tak zle, \u017ee sa spolo\u010dne s Rumunmi zaradil a\u017e na \u00fapln\u00fd chvost rebr\u00ed\u010dka. Aj Poliak m\u00e1 priemern\u00e9 \u00faspory vo v\u00fd\u0161ke 9 882 eur a \u010cech a\u017e 21 607 eur<\/strong>.<\/p>\n \u010cist\u00e9 finan\u010dn\u00e9 akt\u00edva Eur\u00f3panov (Allianz, 2021)\n

Pre v\u00e4\u010d\u0161inu Slov\u00e1kov je v\u0161ak iba \u0165a\u017eko dosiahnute\u013en\u00fd aj tento priemer vy\u0161e sedemtis\u00edc eur, preto\u017ee mnoh\u00ed \u017eij\u00fa doslova od v\u00fdplaty k v\u00fdplate a cel\u00fd svoj pr\u00edjem spravidla spotrebuj\u00fa na vypl\u00e1canie \u00faverov, za b\u00fdvanie, dopravu, stravu a pr\u00edpadn\u00e9 slu\u017eby a produkty. Zdru\u017eenie Pracuj\u00faca chudoba upozor\u0148uje, \u017ee probl\u00e9mom v\u00fdpo\u010dtov od Allianzu je fakt, \u017ee zah\u0155\u0148a aj finan\u010dn\u00e9 akt\u00edva v druhom a tre\u0165om d\u00f4chodkovom pilieri – to s\u00fa toti\u017e peniaze, ktor\u00e9 s\u00fa \u013eu\u010fom prakticky nedostupn\u00e9 v pr\u00edpade, \u017ee by im pr\u00e1ve vypadol pr\u00edjem.<\/p>\n

S n\u00edzkymi \u00fasporami koreluje v\u00fd\u0161ka dlhu priemern\u00e9ho Slov\u00e1ka<\/strong>, ktor\u00e1 je spomedzi sledovan\u00fdch kraj\u00edn druh\u00e1 najvy\u0161\u0161ia – a to 8 451 eur<\/strong>. V\u0161etci, ktor\u00ed maj\u00fa hypot\u00e9ky, teraz dv\u00edhaj\u00fa obo\u010die, preto\u017ee ich dlh predstavuje desiatky tis\u00edc eur. Toto je v\u0161ak priemer, ktor\u00fd prekon\u00e1va u\u017e iba Est\u00f3nsko s v\u00fd\u0161kou priemern\u00e9ho dlhu 9 407 eur. Priemern\u00e9 \u00faspory Est\u00f3n\u010dana s\u00fa v\u0161ak 19 680 eur, teda viac ako dvojn\u00e1sobok na\u0161ich \u00faspor.<\/p>\n V\u00fd\u0161ka priemern\u00e9ho dlhu Eur\u00f3panov (Allianz, 2021)\n

Kv\u00f4li vysokej miere infl\u00e1cie sa Slovensko prepadlo aj v rebr\u00ed\u010dku Hrubej priemernej mzdy v parite k\u00fapnej sily<\/strong> (EUROSTAT: Annual net earnings) na celkom posledn\u00e9 miesto. To znamen\u00e1, \u017ee po zoh\u013eadnen\u00ed tzv. spotrebite\u013esk\u00fdch cien m\u00e1me najslab\u0161ie ohodnotenie pr\u00e1ce.<\/p>\n

 <\/p>\n Hrub\u00e1 mzda v parite k\u00fapnej sily Eur\u00f3panov (Allianz, 2021)\n

 <\/p>\n

Kto za to m\u00f4\u017ee?<\/h3>\n

Je nepochybn\u00e9, \u017ee uveden\u00e9 v\u00fdsledky nie je mo\u017en\u00e9 pova\u017eova\u0165 pre Slov\u00e1kov za priazniv\u00e9. Kombin\u00e1cia n\u00edzkych \u00faspor, vysok\u00fdch dlhov\u00a0 a slab\u00e9ho ohodnotenia pr\u00e1ce je sa v pr\u00edpade v\u00fdpadku pr\u00edjmu st\u00e1va existen\u010dn\u00fdm probl\u00e9mom.<\/p>\n

Je pritom n\u00e1ro\u010dn\u00e9 n\u00e1js\u0165 vinn\u00edka. Vinn\u00edkom sme v podstate v\u0161etci, na v\u0161etk\u00fdch \u00farovniach – od samotn\u00fdch jednotlivcov, ktor\u00ed nie s\u00fa schopn\u00ed a\/alebo ochotn\u00ed prevzia\u0165 zodpovednos\u0165 za svoje osobn\u00e9 financie, a\u017e po \u00farove\u0148 riadenia \u0161t\u00e1tu.<\/p>\n

A\u017e 77 % det\u00ed uviedlo, \u017ee ich s peniazmi nau\u010dili nar\u00e1ba\u0165 pr\u00e1ve rodi\u010dia, pritom pr\u00e1ve ich rodi\u010dia oby\u010dajne nie s\u00fa dostato\u010dne finan\u010dne gramotn\u00ed, \u010doho d\u00f4kazy vid\u00edme v ka\u017edodennom \u017eivote.<\/p>\n

Pod\u013ea odborn\u00ed\u010dky na osobn\u00e9 financie, Andrey Kasanickej Strakovej, si chybn\u00e9 nar\u00e1banie s peniazmi odovzd\u00e1me z gener\u00e1cie na gener\u00e1ciu. Vyjadrila sa pre internetov\u00fd port\u00e1l\u00a0finreport. sk: \u201eZ domu si odn\u00e1\u0161ame\u00a0dedi\u010dn\u00e9 finan\u010dn\u00e9 chyby<\/strong>, ktor\u00e9 opakujeme po cel\u00e9 gener\u00e1cie. Chybn\u00e9 n\u00e1vyky n\u00e1m br\u00e1nia ma\u0165 zdrav\u00e9 financie a po\u010das \u017eivota sa nimi pripravujeme na chudobn\u00fa starobu.\u201c<\/p>\n

Pod\u013ea\u00a0\u00a0finreport.sk\u00a0patr\u00ed medzi \u0161es\u0165\u00a0naj\u010dastej\u0161\u00edch ch\u00fdb Slov\u00e1kov pri pr\u00e1ci s\u00a0peniazmi<\/strong>\u00a0prehnan\u00e9 sebavedomie,\u00a0m\u00ed\u0148anie nad r\u00e1mec svojich mo\u017enost\u00ed<\/strong>, \u010dast\u00e9 po\u017ei\u010diavanie, nevedomos\u0165 v\u00a0\u00farokov\u00fdch a\u00a0investi\u010dn\u00fdch produktoch a\u00a0to, \u017ee\u00a0nad d\u00f4chodkom za\u010dneme prem\u00fd\u0161\u013ea\u0165 pr\u00edli\u0161 neskoro.<\/strong><\/p>\n

Rodi\u010dia pritom vidia chybu v \u0161kolskom syst\u00e9me, ktor\u00fd deti neu\u010d\u00ed spr\u00e1vne nar\u00e1ba\u0165 s peniazmi.<\/p>\n

Viac sme o tejto t\u00e9me p\u00edsali v samostatnom \u010dl\u00e1nku Slovensk\u00e9 deti zaost\u00e1vaj\u00fa vo finan\u010dnej gramotnosti. M\u00f4\u017eu za to \u0161koly \u010di rodi\u010dia?<\/p>\n

Pre\u010d\u00edtajte si aj \u010fal\u0161ie na\u0161e \u010dl\u00e1nky na t\u00e9mu osobn\u00fdch financi\u00ed:<\/strong><\/p>\n

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 <\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Pre mnoh\u00fdch Slov\u00e1kov je aj hodnota priemern\u00fdch \u00faspor celkom nedosiahnute\u013en\u00e1.<\/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-7477","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7477","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=7477"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7477\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=7477"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=7477"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=7477"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}