Hlavn\u00edm a nejd\u016fle\u017eit\u011bj\u0161\u00edm rozd\u00edlem mezi spo\u0159en\u00edm a investov\u00e1n\u00edm je m\u00edra rizika ztr\u00e1ty. \u010c\u00edm v\u011bt\u0161\u00ed riziko, t\u00edm vy\u0161\u0161\u00ed v\u00fdnos.<\/strong>\u00a0<\/span>Ze statistik zve\u0159ejn\u011bn\u00fdch finan\u010dn\u00edmi institucemi vypl\u00fdv\u00e1, \u017ee ka\u017ed\u00fd \u010dlov\u011bk (bez ohledu na v\u011bk) vlastn\u00ed alespo\u0148 jeden finan\u010dn\u00ed produkt. Osobn\u00ed \u00fa\u010det, penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed, stavebn\u00ed spo\u0159en\u00ed, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, hypote\u010dn\u00ed \u00fav\u011br, kreditn\u00ed kartu \u010di jinou formu p\u016fj\u010dky.\u00a0<\/span>To jsou z\u00e1kladn\u00ed produkty, kter\u00e9 jsou nab\u00edzeny r\u016fzn\u00fdmi finan\u010dn\u00edmi poradci. Vyn\u00e1\u0161ej\u00ed v\u00e1m ale opravdu tolik? Netrat\u00edte d\u00edky nim zbyte\u010dn\u011b moc? Neexistuje na trhu jin\u00e9 \u0159e\u0161en\u00ed? Nezaj\u00edm\u00e1 se v\u00e1\u0161 finan\u010dn\u00ed poradce v prvn\u00ed \u0159ad\u011b o provizi a a\u017e potom o va\u0161i finan\u010dn\u00ed situaci?<\/p>\n Spo\u0159en\u00ed je \u010dinnost, kdy si ka\u017ed\u00fd m\u011bs\u00edc nebo rok odkl\u00e1d\u00e1te \u010d\u00e1st sv\u00fdch pen\u011bz stranou. Po n\u011bkolika letech se pen\u00edze nahromad\u00ed<\/strong> a vy je m\u016f\u017eete vyu\u017e\u00edt na n\u00e1kup auta, dovolenou nebo opravu bytu. V lep\u0161\u00edch p\u0159\u00edpadech z\u00edsk\u00e1te 1% z\u00faro\u010den\u00ed p.a. (per annum = ro\u010dn\u00ed \u00farokov\u00e1 m\u00edra) – nap\u0159. u spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f nebo term\u00ednovan\u00fdch vklad\u016f.\u00a0<\/span><\/p>\n U spo\u0159en\u00ed je riziko ztr\u00e1ty za norm\u00e1ln\u00edch okolnost\u00ed n\u00edzk\u00e9 a vklady u bankovn\u00edch instituc\u00ed jsou nav\u00edc poji\u0161t\u011bny. Spo\u0159en\u00ed je nejlep\u0161\u00edm zp\u016fsobem, jak shrom\u00e1\u017edit finan\u010dn\u00ed prost\u0159edky na n\u00e1kup n\u00e1kladn\u011bj\u0161\u00edch v\u011bc\u00ed nebo financov\u00e1n\u00ed zvl\u00e1\u0161tn\u00ed ud\u00e1losti<\/strong> v p\u0159\u00edpad\u011b, \u017ee nechcete nakupovat na dluh (za\u0159\u00edzen\u00ed dom\u00e1cnosti, exotick\u00e1 dovolen\u00e1, svatba apod.).<\/p>\n Oproti investov\u00e1n\u00ed v\u0161ak spo\u0159en\u00ed poskytuje ni\u017e\u0161\u00ed v\u00fdnos, kter\u00fd je nav\u00edc zat\u00ed\u017een 15% sr\u00e1\u017ekovou dan\u00ed. Tak\u00e9 je v\u00edce vystaveno infla\u010dn\u00edmu riziku<\/strong>. M\u011bli byste proto porovn\u00e1vat v\u00fd\u0161i \u00faroku z vkladu po odpo\u010dtu dan\u011b s o\u010dek\u00e1vanou inflac\u00ed a pokud by m\u011bla re\u00e1ln\u00e1 hodnota va\u0161eho vkladu klesnout, m\u011bli byste zv\u00e1\u017eit investov\u00e1n\u00ed pen\u011bz na finan\u010dn\u00edch trz\u00edch.<\/p>\n Stavebn\u00ed spo\u0159en\u00ed je \u00fa\u010delov\u00fd druh spo\u0159en\u00ed, p\u0159i kter\u00e9m vkladatel dlouhodob\u011b ukl\u00e1d\u00e1 finan\u010dn\u00ed prost\u0159edky u specializovan\u00e9 banky nebo stavebn\u00ed spo\u0159itelny. V pr\u016fb\u011bhu spo\u0159en\u00ed lze \u010derpat st\u00e1tn\u00ed podporu<\/strong>. Po jeho skon\u010den\u00ed a p\u0159i spln\u011bn\u00ed podm\u00ednek m\u00e1 majitel stavebn\u00edho spo\u0159en\u00ed n\u00e1rok na \u00fav\u011br<\/strong> ze stavebn\u00edho spo\u0159en\u00ed. Stavebn\u00ed spo\u0159en\u00ed tak dohromady spojuje v jeden kompaktn\u00ed celek prvek spo\u0159en\u00ed, \u010derp\u00e1n\u00ed st\u00e1tn\u00ed podpory a z\u00e1rove\u0148 poskytnut\u00ed \u00fa\u010delov\u00e9ho \u00fav\u011bru, kter\u00fd je zpravidla charakterizov\u00e1n n\u00edzk\u00fdmi a pevn\u00fdmi \u00farokov\u00fdmi sazbami po celou dobu jeho spl\u00e1cen\u00ed.\u00a0<\/span><\/p>\n Pro\u010d je stavebn\u00ed spo\u0159en\u00ed o n\u011bco lep\u0161\u00ed ne\u017e klasick\u00e9 spo\u0159en\u00ed? Na z\u00e1klad\u011b v\u00e1mi naspo\u0159en\u00fdch pen\u011bz z\u00edsk\u00e1te nav\u00edc st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky ve v\u00fd\u0161i 10 % z naspo\u0159en\u00e9 \u010d\u00e1stky v dan\u00e9m roce, maxim\u00e1ln\u011b v\u0161ak 2 000 K\u010d<\/strong>. Pokud tedy v ka\u017ed\u00e9m roce vlo\u017e\u00edte na stavebn\u00ed spo\u0159en\u00ed 20 000 K\u010d, st\u00e1tn\u00ed podpora dos\u00e1hne maxim\u00e1ln\u00ed v\u00fd\u0161e 2 000 K\u010d. Na \u010desk\u00e9m trhu figuruje 5 stavebn\u00edch spo\u0159itelen, jejich \u00farokov\u00e1 m\u00edra se pohybuje mezi 0,1 % a 1,5 %. Pokud si chcete spo\u010d\u00edtat, kolik na\u0161et\u0159\u00edte se stavebn\u00edm spo\u0159en\u00edm v\u010detn\u011b \u00farok\u016f a st\u00e1tn\u00ed podpory, pou\u017eijte spo\u0159\u00edc\u00ed kalkula\u010dku (ZDE<\/a>).<\/p>\n Investov\u00e1n\u00ed je na druhou stranu jak\u00fdmsi divok\u00fdm mo\u0159em bez jistot. Nikdo v\u00e1m nem\u016f\u017ee zaru\u010dit p\u0159edem p\u0159esn\u00fd v\u00fdnos \u010di ztr\u00e1tu. A pokud n\u011bkdo n\u011bco takov\u00e9ho slibuje, ut\u00edkejte rad\u011bji k jin\u00e9mu finan\u010dn\u00edmu poradci. V p\u0159\u00edpad\u011b, \u017ee si ale sami nastav\u00edte rizikovou m\u00edru, se kterou dok\u00e1\u017eete \u017e\u00edt, m\u00e1te vyhr\u00e1no.\u00a0<\/span><\/p>\n Investov\u00e1n\u00ed p\u0159edstavuje ukl\u00e1d\u00e1n\u00ed pen\u011bz do takov\u00fdch finan\u010dn\u00edch n\u00e1stroj\u016f, u kter\u00fdch m\u016f\u017eete ztratit po\u010d\u00e1te\u010dn\u00ed hodnotu va\u0161\u00ed investice<\/strong>. Na druhou stranu v\u0161ak m\u016f\u017eete tak\u00e9 z\u00edskat mnohem vy\u0161\u0161\u00ed v\u00fdnos ne\u017e u spo\u0159en\u00ed. Pokud budete investice dr\u017eet d\u00e9le ne\u017e p\u016fl roku, nemus\u00edte platit da\u0148 z v\u00fdnos\u016f<\/strong>.\u00a0<\/span>To, jak\u00fd v\u00fdnos bude z\u00a0investice v\u00a0budoucnosti realizov\u00e1n, z\u00e1vis\u00ed na:<\/p>\n Investov\u00e1n\u00ed v\u00e1m zajist\u00ed vy\u0161\u0161\u00ed v\u00fdnos, ale tak\u00e9 p\u0159in\u00e1\u0161\u00ed vy\u0161\u0161\u00ed riziko…<\/p><\/div>\n P\u0158\u00cdKLAD \u010c. 1: Za jak dlouho dos\u00e1hnu milionu korun?<\/strong><\/p>\n M\u011bs\u00ed\u010dn\u00ed odkl\u00e1dan\u00e1 \u010d\u00e1stka 1 000 K\u010d, pro jednoduchost p\u0159edpokl\u00e1dejme 0 % zdan\u011bn\u00ed.<\/p>\n Naspo\u0159en\u00ed milionu korun za 83 let a 4 m\u011bs\u00edce.<\/p>\n V p\u0159\u00edpad\u011b investov\u00e1n\u00ed p\u0159i \u00farokov\u00e9 m\u00ed\u0159e 6 % p.a. dos\u00e1hnete jednoho milionu korun za 30 let a 5 m\u011bs\u00edc\u016f.<\/p>\n Rozd\u00edl je v tzv. slo\u017een\u00e9m \u00faroku, kter\u00fd byl pr\u00e1vem nazv\u00e1n osm\u00fdm divem sv\u011bta. Slo\u017een\u00fd \u00farok znamen\u00e1, \u017ee se v\u00e1m za\u010dnou \u00faro\u010dit p\u0159edchoz\u00ed z\u00edskan\u00e9 \u00faroky.\u00a0<\/span><\/p>\n P\u0158\u00cdKLAD \u010c. 2: M\u00e1m 30 let do d\u016fchodu a mohu odkl\u00e1dat 1 000 m\u011bs\u00ed\u010dn\u011b bokem. Jak dos\u00e1hnout spo\u0159en\u00edm \u010di investov\u00e1n\u00edm nejv\u011bt\u0161\u00ed \u010d\u00e1stky?<\/strong><\/p>\n 30 let<\/p>\n 1 000 K\u010d m\u011bs\u00ed\u010dn\u011b<\/p>\n \u00farokov\u00e1 m\u00edra 1 %<\/p>\n D\u00edky spo\u0159en\u00ed budu za 30 let m\u00edt 417 418,17 K\u010d<\/strong>.<\/p>\n \u00farokov\u00e1 m\u00edra 6 % p.a.<\/p>\n Investov\u00e1n\u00edm dos\u00e1hnu za 30 let na 948 698,23 K\u010d<\/strong>.<\/p>\n Sledujte tak\u00e9 rozd\u00edl ve tvaru k\u0159ivek na obr\u00e1zc\u00edch naho\u0159e. U ,,spo\u0159\u00edc\u00edho\u201d grafu vid\u00edme line\u00e1rn\u00ed k\u0159ivku (konstantn\u00ed ro\u010dn\u00ed p\u0159\u00edr\u016fstky). U ,,investi\u010dn\u00edho\u201d grafu kr\u00e1snou exponenci\u00e1ln\u00ed k\u0159ivku, kter\u00e1 b\u00fdv\u00e1 v anglick\u00e9 literatu\u0159e ozna\u010dovan\u00e1 jako tzv. hockey stick.\u00a0<\/span><\/p>\n Hled\u00e1te tipy jak za\u010d\u00edt ukl\u00e1dat \u010di z\u00faro\u010dovat va\u0161e pen\u00edze? M\u00e1te za c\u00edl naspo\u0159it prvn\u00ed milion nebo se zajistit na st\u00e1\u0159\u00ed? Jste na spr\u00e1vn\u00e9m m\u00edst\u011b. Na dal\u0161\u00edch p\u00e1r \u0159\u00e1dc\u00edch si \u0159ekneme, na co je dobr\u00e9 d\u00e1t pozor na za\u010d\u00e1tku, na co se soust\u0159edit z dlouhodob\u00e9ho hlediska a jak\u00fd je vlastn\u011b rozd\u00edl mezi spo\u0159en\u00edm a investov\u00e1n\u00edm.\u00a0<\/p>\n","protected":false},"author":31,"featured_media":351,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[24,9,26,10,25,23,27],"yoast_head":"\nCharakteristika spo\u0159en\u00ed<\/h2>\n
Stavebn\u00ed spo\u0159en\u00ed<\/h2>\n
Investov\u00e1n\u00ed\u00a0<\/span><\/h2>\n
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![\"\"](\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/Czech-2.jpg\")
Investi\u010dn\u00ed p\u0159\u00edklady<\/h2>\n
![\"\"](\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/Sn\u00edmek-obrazovky-2019-08-18-v-17.04.55.png\")
<\/p>\n![\"\"](\"http:\/\/loanstar.com\/cz\/wp-content\/uploads\/sites\/4\/2019\/08\/Sn\u00edmek-obrazovky-2019-08-18-v-17.07.14.png\")
<\/p>\nTipy<\/h2>\n
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