[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jeki.cz\/do-ceho-vrazit-penize\/#Article","mainEntityOfPage":"https:\/\/www.jeki.cz\/do-ceho-vrazit-penize\/","headline":"Do \u010deho vrazit pen\u00edze?","name":"Do \u010deho vrazit pen\u00edze?","description":"Naivn\u00ed \u010dlov\u011bk si ukl\u00e1d\u00e1 pen\u00edze na b\u011b\u017en\u00fd \u00fa\u010det. Domn\u00edv\u00e1 se, \u017ee tam m\u00e1 sv\u00e9 \u00faspory v bezpe\u010d\u00ed, v \u010dem\u017e ho...","datePublished":"2019-02-26","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.jeki.cz\/author\/#Person","name":"","url":"https:\/\/www.jeki.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4eaadff62661a2c38386085c87f88f683e575f9fda122ff8560bf1208996f3c5?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jeki.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jeki.cz\/wp-content\/uploads\/img_a335796_w2249_t1549024594.jpg","url":"https:\/\/www.jeki.cz\/wp-content\/uploads\/img_a335796_w2249_t1549024594.jpg","height":0,"width":0},"url":"https:\/\/www.jeki.cz\/do-ceho-vrazit-penize\/","wordCount":582,"articleBody":"Naivn\u00ed \u010dlov\u011bk si ukl\u00e1d\u00e1 pen\u00edze na b\u011b\u017en\u00fd \u00fa\u010det. Domn\u00edv\u00e1 se, \u017ee tam m\u00e1 sv\u00e9 \u00faspory v bezpe\u010d\u00ed, v \u010dem\u017e ho utvrzuj\u00ed jak uji\u0161\u0165ov\u00e1n\u00ed, \u017ee jsou takov\u00e9 vklady poji\u0161t\u011bny, tak i \u010d\u00edslo na v\u00fdpisu, dokazuj\u00edc\u00ed, \u017ee se vkl\u00e1dan\u00e1 \u010d\u00e1stka doopravdy nezmen\u0161uje, a pokud snad ano, pak jenom o p\u0159edem zn\u00e1m\u00e9 a ne zase a\u017e tak drastick\u00e9 poplatky za slu\u017eby. Ov\u0161em \u201eza sc\u00e9nou\u201c tu stoj\u00ed inflace, je\u017e sice nezmen\u0161uje sumu na \u00fa\u010dtu, ale po\u017e\u00edr\u00e1 re\u00e1lnou hodnotu takov\u00fdch \u00faspor, tedy to, co si za n\u011b \u010dlov\u011bk m\u016f\u017ee koupit. Je\u0161t\u011b naivn\u011bj\u0161\u00ed \u010dlov\u011bk si ukl\u00e1d\u00e1 sv\u00e9 pen\u00edze n\u011bkde doma do tu v\u00edce a tu m\u00e9n\u011b d\u016fmysln\u00e9 skr\u00fd\u0161e. M\u016f\u017ee ho t\u011b\u0161it, \u017ee neplat\u00ed t\u011bm bankovn\u00edm \u0161izu\u0148k\u016fm \u017e\u00e1dn\u00e9 poplatky za jejich slu\u017eby, ov\u0161em i zde jsou rizika, \u017ee jednoho dne spl\u00e1\u010de nad v\u00fdd\u011blkem. Tedy nad ztr\u00e1tou. Sta\u010d\u00ed p\u0159ece i jenom docela oby\u010dejn\u00fd zlod\u011bj, sta\u010d\u00ed po\u017e\u00e1r nebo jin\u00e1 pohroma, sta\u010d\u00ed i skler\u00f3za, kv\u016fli n\u00ed\u017e \u010dlov\u011bk zapomene, kde co schoval, a je po naspo\u0159en\u00e9m jm\u011bn\u00ed. A u bankovek m\u016f\u017ee nad\u011blat nenapraviteln\u00e9 \u0161kody t\u0159eba i docela oby\u010dejn\u00e1 my\u0161. A ani nejp\u0159\u00edsn\u011bj\u0161\u00ed bezpe\u010dnostn\u00ed opat\u0159en\u00ed nezabr\u00e1n\u00ed stejn\u011b jako v p\u0159edchoz\u00edm p\u0159\u00edpadu \u0159\u00e1d\u011bn\u00ed inflace. Trochu chyt\u0159ej\u0161\u00ed lid\u00e9 s\u00e1zej\u00ed na \u00fa\u010det zvan\u00fd spo\u0159ic\u00ed. Ten, kter\u00fd sice nab\u00edz\u00ed o n\u011bco v\u011bt\u0161\u00ed v\u00fdnos v podob\u011b v\u011bt\u0161\u00edch \u00farok\u016f, ov\u0161em tak\u00e9 jen z\u0159\u00eddka p\u0159ekon\u00e1 inflaci. \u010clov\u011bk tu tak tolik netrat\u00ed a v ojedin\u011bl\u00fdch p\u0159\u00edpadech si dokonce i trochu p\u0159ivyd\u011bl\u00e1. Ov\u0161em nic moc. A pokud si \u010dlov\u011bk chce ulo\u017een\u00edm opravdu p\u0159ivyd\u011blat, mus\u00ed na ty v\u00fd\u0161e zm\u00edn\u011bn\u00e9 mo\u017enosti zapomenout. A zvolit jinou cestu. I pro takov\u00e9 se tu nab\u00edz\u00ed , je\u017e nese n\u00e1zev pod\u00edlov\u00e9 fondy. Pro tuto mo\u017enost je t\u0159eba m\u00edt v\u011bt\u0161\u00ed obnos pen\u011bz, kter\u00e9 \u010dlov\u011bk moment\u00e1ln\u011b nepot\u0159ebuje, kter\u00e9 m\u00e1 nav\u00edc. Pokud \u010dlov\u011bk tyto vlo\u017e\u00ed do rukou bank\u00e9\u0159e, kter\u00fd n\u00e1sledn\u011b za\u0159\u00edd\u00ed v\u0161e nezbytn\u00e9, m\u016f\u017ee si na rozd\u00edl od v\u00fd\u0161e uveden\u00fdch typ\u016f spo\u0159en\u00ed p\u0159ij\u00edt na skute\u010dn\u00fd zisk, zabr\u00e1nit tomu, aby jeho \u00faspory tratily na hodnot\u011b. Jedn\u00e1 se sice o z\u00e1le\u017eitost p\u0159in\u00e1\u0161ej\u00edc\u00ed i jist\u00e9 riziko, \u017ee na tom \u010dlov\u011bk p\u0159ece jenom m\u016f\u017ee i tratit, ov\u0161em toto nebezpe\u010d\u00ed lze do zna\u010dn\u00e9 m\u00edry eliminovat.\u010clov\u011bk si m\u016f\u017ee zvolit agresivn\u00ed strategii, p\u0159i n\u00ed\u017e je mo\u017en\u00fd vysok\u00fd zisk stejn\u011b jako citeln\u00e1 ztr\u00e1ta, stejn\u011b jako zaji\u0161t\u011bn\u00fd vklad s minim\u00e1ln\u00edm rizikem, ov\u0161em tak\u00e9 minim\u00e1ln\u00edm ziskem. A p\u0159\u00edpadn\u011b i n\u011bco mezi. Pod\u00edlov\u00e9 fondy jsou tak ur\u010ditou s\u00e1zkou do loterie. Jen\u017ee v loterii je jist\u00e1 \u0161ance na v\u00fdhru. Zat\u00edmco u v\u0161ech ostatn\u00edch spo\u0159ic\u00edch produkt\u016f \u010dlov\u011bk \u201eprohr\u00e1v\u00e1\u201c, trat\u00ed. A pro\u010d by se tedy \u010dlov\u011bk do n\u011bjak\u00e9ho toho pod\u00edlov\u00e9ho fondu nep\u0159idal, \u017ee? Pokud tedy m\u00e1 zbyte\u010dn\u00e9 pen\u00edze, je\u017e mu v dohledn\u00e9 dob\u011b nebudou zapot\u0159eb\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        3.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Do \u010deho vrazit pen\u00edze?","item":"https:\/\/www.jeki.cz\/do-ceho-vrazit-penize\/#breadcrumbitem"}]}]