[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.er-sme.cz\/kde-lze-svoje-finance-rozmnozit\/#Article","mainEntityOfPage":"https:\/\/www.er-sme.cz\/kde-lze-svoje-finance-rozmnozit\/","headline":"Kde lze svoje finance rozmno\u017eit?","name":"Kde lze svoje finance rozmno\u017eit?","description":"Existuje v\u016fbec dnes mo\u017enost, jak svoje finance efektivn\u011b zhodnotit? Kdy\u017e pomineme investov\u00e1n\u00ed do akci\u00ed, dluhopis\u016f, pod\u00edlov\u00fdch fond\u016f nebo dokonce do zlata nebo nemovitost\u00ed,...","datePublished":"2023-04-27","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.er-sme.cz\/author\/#Person","name":"er-sme.cz","url":"https:\/\/www.er-sme.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"er-sme.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.er-sme.cz\/kde-lze-svoje-finance-rozmnozit\/","about":["Finance"],"wordCount":414,"articleBody":"Existuje v\u016fbec dnes mo\u017enost, jak svoje finance efektivn\u011b zhodnotit?Kdy\u017e pomineme investov\u00e1n\u00ed do akci\u00ed, dluhopis\u016f, pod\u00edlov\u00fdch fond\u016f nebo dokonce do zlata nebo nemovitost\u00ed, z\u016fst\u00e1v\u00e1 pro lidi, kte\u0159\u00ed neradi riskuj\u00ed, st\u00e1le nejv\u00fdhodn\u011bj\u0161\u00ed stavebn\u00ed spo\u0159en\u00ed a penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed. V\u011bt\u0161ina lid\u00ed toti\u017e rad\u011bji zvol\u00ed stoprocentn\u00ed jistotu ne\u017e investici s rizikem ztr\u00e1ty, i kdy\u017e s vy\u0161\u0161\u00edm v\u00fdnosem. N\u00e1kup akci\u00ed a dluhopis\u016f p\u0159ece jen vy\u017eaduje hlub\u0161\u00ed znalost kapit\u00e1lov\u00fdch trh\u016f. Ani investice do byt\u016f a dom\u016f nen\u00ed bez rizika, i kdy\u017e v sou\u010dasn\u00e9 dob\u011b se jev\u00ed jako nejbezpe\u010dn\u011bj\u0161\u00ed.\u00a0Stavebn\u00ed spo\u0159en\u00edI kdy\u017e je stavebn\u00ed spo\u0159en\u00ed ze strany st\u00e1tu st\u00e1le v\u00edce omezov\u00e1no, p\u0159esto z\u016fst\u00e1v\u00e1 nejv\u00fdhodn\u011bj\u0161\u00edm zp\u016fsobem, jak zhodnotit svoje \u00faspory.Pokud si tedy m\u016f\u017eete ro\u010dn\u011b dovolit investovat \u010d\u00e1stku 20 000 K\u010d, z\u00edsk\u00e1te z n\u00ed st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek ve v\u00fd\u0161i 2000 K\u010d a k tomu je\u0161t\u011b nemal\u00fd \u00farok. Pokud dodr\u017e\u00edte dobu spo\u0159en\u00ed alespo\u0148 6 let, svoje \u00faspory zhodnot\u00edte oproti spo\u0159\u00edc\u00edm \u00fa\u010dt\u016fm a term\u00ednovan\u00fdm vklad\u016fm velmi slu\u0161n\u011b.Do budoucna mo\u017en\u00e1 bude stavebn\u00ed spo\u0159en\u00ed omezeno v tom, \u017ee prost\u0159edky v n\u011bm naspo\u0159en\u00e9 se budou muset pou\u017e\u00edt pouze k v\u00fddaj\u016fm na bydlen\u00ed, ale zat\u00edm se nov\u00e9 smlouvy st\u00e1le uzav\u00edraj\u00ed postaru.\u00a0Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00edMyslet na finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed ve st\u00e1\u0159\u00ed je d\u016fle\u017eit\u00e9 pro ka\u017ed\u00e9ho z n\u00e1s, zvl\u00e1\u0161t\u011b kdy\u017e st\u00e1tu na starobn\u00ed d\u016fchody zb\u00fdv\u00e1 st\u00e1le m\u00e9n\u011b pen\u011bz.Z penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed podle \u010d\u00e1stky, kterou budete pravideln\u011b spo\u0159it, z\u00edsk\u00e1te st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek ve v\u00fd\u0161i 90 K\u010d a\u017e 230 K\u010d za m\u011bs\u00edc. Pokud si ka\u017ed\u00fd m\u011bs\u00edc budete spo\u0159it maxim\u00e1ln\u00ed \u010d\u00e1stku 1000 K\u010d, p\u0159ibude V\u00e1m za rok na \u00fa\u010dtu 2760 K\u010d. Nav\u00edc V\u00e1m m\u016f\u017ee je\u0161t\u011b libovolnou \u010d\u00e1stkou p\u0159isp\u00edvat V\u00e1\u0161 zam\u011bstnavatel, pro kter\u00e9ho je da\u0148ov\u011b uznateln\u00fdm n\u00e1kladem.Od leto\u0161n\u00edho roku 2016 m\u016f\u017eete penzijn\u00ed spo\u0159en\u00ed zalo\u017eit ji\u017e sv\u00fdm d\u011btem, kter\u00e9 p\u0159i pr\u016fm\u011brn\u00e9 \u00falo\u017ece 560 K\u010d budou m\u00edt v 60 letech, kdy je mo\u017en\u00e9 finance vybrat, na sv\u00e9m \u00fa\u010dtu t\u00e9m\u011b\u0159 milion                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde lze svoje finance rozmno\u017eit?","item":"https:\/\/www.er-sme.cz\/kde-lze-svoje-finance-rozmnozit\/#breadcrumbitem"}]}]