{"id":2111,"date":"2020-03-20T14:39:13","date_gmt":"2020-03-20T13:39:13","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2111"},"modified":"2020-04-10T20:15:51","modified_gmt":"2020-04-10T18:15:51","slug":"5-zakladnych-pravidiel-ako-ochranite-svoje-peniaze","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/5-zakladnych-pravidiel-ako-ochranite-svoje-peniaze\/","title":{"rendered":"5 z\u00e1kladn\u00fdch pravidiel, ako ochr\u00e1nite svoje peniaze"},"content":{"rendered":"

M\u00e1te obavy o svoje peniaze? To najmenej, \u010do m\u00f4\u017eete urobi\u0165, je pre\u010dka\u0165 toto turbulentn\u00e9 obdobie, sp\u00f4soben\u00e9 epid\u00e9miou koronav\u00edrusu. Pre\u010d\u00edtajte si p\u00e4\u0165 z\u00e1kladn\u00fdch pravidiel, ktor\u00e9 platia v ka\u017edom \u010dase. Nepodliehajte panike a sk\u00faste z tejto situ\u00e1cie s chladnou hlavou vy\u0165a\u017ei\u0165 \u010do najviac.\u00a0<\/a><\/b><\/p>\n

1.\u00a0<\/b>Rezervy<\/b><\/span><\/h2>\n

V prvom rade myslite na rezervy. Vo v\u0161eobecnosti plat\u00ed, \u017ee ka\u017ed\u00fd z n\u00e1s by mal ma\u0165 odlo\u017een\u00e9 peniaze vo v\u00fd\u0161ke 6-n\u00e1sobku mesa\u010dn\u00e9ho pr\u00edjmu. Vzh\u013eadom na to, \u017ee niektor\u00ed maj\u00fa ni\u017e\u0161iu spotrebu ako je v\u00fd\u0161ka pr\u00edjmu, a naopak in\u00ed maj\u00fa v\u00fddavky vy\u0161\u0161ie ako ich pr\u00edjem, odpor\u00fa\u010dame ma\u0165 rezervy vo v\u00fd\u0161ke 6 mesa\u010dn\u00fdch v\u00fddavkov.\u00a0<\/strong><\/span><\/p>\n

Rezerva s\u00fa peniaze, ktor\u00e9 by ste mali ma\u0165 ihne\u010f k dispoz\u00edcii v pr\u00edpade neo\u010dak\u00e1vanej udalosti.<\/strong> \u010ci u\u017e ide o poruchu spotrebi\u010da v dom\u00e1cnosti, opravu auta, v\u00fdpadok pr\u00edjmu alebo napr\u00edklad chorobu. Jednoducho povedan\u00e9, rezervy v\u00e1m maj\u00fa pom\u00f4c\u0165, aby ste nesiahali po drah\u00fdch \u00faverov\u00fdch produktoch alebo n\u00e1kupoch na spl\u00e1tky v\u017edy ke\u010f sa stane nie\u010do, na \u010do zrazu potrebujete peniaze.<\/span><\/p>\n

2. Investovanie<\/b><\/span><\/h2>\n

Investovanie<\/a> je ide\u00e1lny sp\u00f4sob ako sa pripravi\u0165 na o\u010d\u00e1kavan\u00e9 v\u00fddavky<\/strong> v bud\u00facnosti. M\u00f4\u017ee to by\u0165 napr\u00edklad k\u00fapa nehnute\u013enosti, k\u00fapa auta, vysn\u00edvan\u00e1 dovolenka, pr\u00edprava na \u0161t\u00fadium pre va\u0161e die\u0165a a podobne. Pri t\u00fdchto pl\u00e1noch obvykle vieme, \u010do n\u00e1s to pribli\u017ene bude st\u00e1\u0165 a dokedy si na to potrebujeme naspori\u0165.\u00a0<\/span><\/p>\n

Napr\u00edklad k\u00fapa auta:<\/strong> Viete, \u017ee o 5 rokov budete potrebova\u0165 10 000 \u20ac. Keby ste mali jednorazovo zohna\u0165 tak\u00fa sumu, jednozna\u010dne by ste museli \u00eds\u0165 do \u00faveru alebo leasingu. Keby ste si tak\u00fa sumu chceli naspori\u0165, museli by ste si odlo\u017ei\u0165 bokom 166 \u20ac. Ak vyu\u017eijete investi\u010dn\u00fd produkt s ro\u010dn\u00fdm v\u00fdnosom 5 %, sta\u010d\u00ed v\u00e1m mesa\u010dne odlo\u017ei\u0165 s pr\u00edjmu 145 \u20ac, aby ste o 5 rokov dosiahli svoj cie\u013e a k\u00fapili si auto bez \u00faveru. T\u00fdm p\u00e1dom mesa\u010dne u\u0161etr\u00edte 20 \u20ac, \u010do za 5 rokov vytvor\u00ed pekn\u00fa \u010diastku 1 200 \u20ac.<\/span><\/p>\n

Ak hovor\u00edme o dlhodob\u00fdch pl\u00e1noch ako je pr\u00edprava na d\u00f4chodok<\/a> alebo pred\u010dasn\u00e9 splatenie hypot\u00e9ky, s\u00fa rozdiely medzi vkladom a nasporenou sumou na konci investovania ove\u013ea vy\u0161\u0161ie<\/span><\/p><\/blockquote>\n

\"finan\u010dn\u00e1<\/p>\n

3. Diverzifik\u00e1cia<\/b><\/span><\/h2>\n

Rozhodne neinvestujte len do jedn\u00e9ho produktu, resp. do jednej investi\u010dnej sch\u00e9my. Tak ako m\u00e1 ka\u017ed\u00fd z n\u00e1s v \u017eivote r\u00f4zne pl\u00e1ny a ciele, tomu aj potrebujeme prisp\u00f4sobi\u0165 r\u00f4zne investi\u010dn\u00e9 produkty.<\/span><\/p>\n

Kr\u00e1tkodob\u00e9 ciele<\/strong>, \u010di\u017ee s horizontom do 5 rokov, si vy\u017eaduj\u00fa konzervat\u00edvne produkty ako napr\u00edklad dlhopisy alebo dlhopisov\u00e9 portf\u00f3li\u00e1<\/a>. Tak\u00e9to rie\u0161enie v\u00e1m s\u00edce neprinesie vysok\u00e9 v\u00fdnosy, av\u0161ak m\u00e1te istotu, \u017ee pr\u00e1ve v tom \u010dase ke\u010f budete svoje peniaze potrebova\u0165, nestratia na hodnote kv\u00f4li nepriaznivej situ\u00e1cii na trhoch.<\/span><\/p>\n

Na ciele, ktor\u00e9 pl\u00e1nujeme v horizonte 5 a\u017e 10 rokov<\/strong>, v\u0161ak nie je vhodn\u00e9 spori\u0165 v dlhopisoch. Na tak\u00e9to pl\u00e1ny vyu\u017eite rizikovej\u0161ie portf\u00f3lio ako napr\u00edklad zmie\u0161an\u00e9 fondy, alebo realitn\u00fd fond. V\u00fdnosy s\u00fa obvykle zauj\u00edmavej\u0161ie ako pri dlhopisov\u00fdch fondoch, av\u0161ak s t\u00fdm je spojen\u00e9 aj vy\u0161\u0161ie riziko, \u017ee v priebehu obdobia kedy si spor\u00edte, m\u00f4\u017ee nasta\u0165 pokles na trhu. Viac ako 5 rokov<\/strong> je dostato\u010dne dlh\u00e9 obdobie na to, aby sa v\u00fdkyv na trhu ust\u00e1lil a aby si klient vybral svoje nasporen\u00e9 prostriedky so ziskom.<\/span><\/p>\n

TIP:<\/strong> Ke\u010f si spor\u00edte po\u010das dlh\u00e9ho obdobia, \u010di\u017ee viac ako 10 rokov, ni\u010d v\u00e1m nebr\u00e1ni siahnu\u0165 po rizikov\u00fdch produktoch, ktor\u00e9 n\u00e1m z\u00e1rove\u0148 poskytn\u00fa vysok\u00fd v\u00fdnos. Ke\u010f\u017ee tak\u00e9to produkty s\u00fa citlivej\u0161ie na v\u00fdkyvy trhu, neodpor\u00fa\u010da sa do akci\u00ed alebo indexov\u00fdch fondov investova\u0165 na krat\u0161ie obdobie<\/span><\/p><\/blockquote>\n

4. Zlato<\/b><\/span><\/h2>\n

Fyzick\u00e9 zlato si ako jedna z m\u00e1la vec\u00ed dr\u017e\u00ed svoju hodnotu<\/a> bez oh\u013eadu na to, \u010do sa na trhu udeje. Nepodlieha infl\u00e1cii a jeho k\u00fapna cena v \u010dase rastie viac ako niektor\u00e9 investi\u010dn\u00e9 produkty. Z tohto d\u00f4vodu by ka\u017ed\u00fd mal ma\u0165 \u010das\u0165 svojho majetku ulo\u017een\u00fa v zlate. V z\u00e1sade by to malo by\u0165 aspo\u0148 10 %, ide\u00e1lne a\u017e 20 % z hodnoty majetku.<\/strong><\/span><\/p>\n

Zlato v\u0161ak nie je tak likvidn\u00e9 ako in\u00e9 formy invest\u00edcie. Likvidita znamen\u00e1 dostupnos\u0165, \u010di\u017ee ako r\u00fdchlo dok\u00e1\u017eete invest\u00edciu premeni\u0165 na peniaze. <\/span>Najdostupnej\u0161ie s\u00fa napr\u00edklad rezervy, ktor\u00e9 m\u00e1te okam\u017eite k dispoz\u00edcii, alebo niektor\u00e9 konzervat\u00edvne invest\u00edcie, ktor\u00e9 m\u00f4\u017eete ma\u0165 na be\u017enom \u00fa\u010dte do jedn\u00e9ho d\u0148a. <\/span>Naopak, zlato alebo invest\u00edcia do nehnute\u013enost\u00ed s\u00fa invest\u00edciou s n\u00edzkou likviditou. Z tohto d\u00f4vodu vyu\u017eite zlato ako formu sporenia na dlhodob\u00e9 ciele.<\/strong> <\/span><\/p>\n

\"investovanie<\/p>\n

Hovor\u00edme o forme sporenia, lebo m\u00e1lo \u013eud\u00ed si m\u00f4\u017ee jednor\u00e1zovo nak\u00fapi\u0165 zlat\u00e9 tehli\u010dky alebo napr\u00edklad mince. Na ne si v s\u00fa\u010dasnosti m\u00f4\u017eete spori\u0165 u\u017e od 25 \u20ac mesa\u010dne.<\/a> Ale dajte pozor na poplatky spojen\u00e9 s touto formou invest\u00edcie. Na trhu s\u00fa rozdiely v poplatkoch, klient zn\u00e1\u0161a a kedy s\u00fa mu z\u00fa\u010dtovan\u00e9.<\/span><\/p>\n

5. Nepodliehajte em\u00f3ci\u00e1m<\/b><\/span><\/h2>\n

Ve\u013ea \u013eud\u00ed rob\u00ed t\u00fa chybu<\/a>, \u017ee svoje prostriedky vyber\u00fa z invest\u00edcie v nevhodn\u00fa chv\u00ed\u013eu.<\/strong> \u010casto u \u013eud\u00ed tak\u00e9to rozhodnutie vypl\u00fdva zo situ\u00e1cie na trhu, kedy akcie a fondy str\u00e1caj\u00fa svoju hodnotu. Ke\u010f nastane nepriazniv\u00e1 situ\u00e1cia na trhoch, obvykle n\u00e1s o tom ako prv\u00e9 informuj\u00fa m\u00e9di\u00e1 a a\u017e vtedy \u013eudia za\u010dn\u00fa sledova\u0165 svoje investi\u010dn\u00e9 \u00fa\u010dty. Sleduj\u00fa ako im doslova zo d\u0148a na de\u0148 kles\u00e1 hodnota na \u00fa\u010dte a\u017e sa rozhodn\u00fa, \u017ee u\u017e bolo toho dos\u0165 a vyber\u00fa svoje prostriedky. <\/span><\/p>\n

\u0160tatisticky len m\u00e1lo investorov dosiahne na svojom konte tak\u00fd v\u00fdnos ak\u00fd dosiahne fond s\u00e1m o sebe. Je to z toho d\u00f4vodu, \u017ee nepo\u010dkaj\u00fa, k\u00fdm sa trhy spam\u00e4taj\u00fa a z\u00edskaj\u00fa nasp\u00e4\u0165 svoju p\u00f4vodn\u00fa hodnotu pred poklesom.<\/span><\/p><\/blockquote>\n

Pr\u00edklad: <\/b>Pravideln\u00e9 investovanie m\u00f4\u017eeme prirovna\u0165 k n\u00e1kupu z\u00e1kladnej potraviny ako je mlieko. Keby jedna krabica mlieka st\u00e1la 10 eur, mysl\u00edte si, \u017ee by ho \u013eudia kupovali? Pravdepodobne nie. \u013dudia by nak\u00fapili nutn\u00e9 minimum. Ak by v\u0161ak to ist\u00e9 mlieko st\u00e1lo 10 centov za 1 liter, je dos\u0165 mo\u017en\u00e9, \u017ee by nak\u00fapili naraz kart\u00f3ny mlieka do z\u00e1soby. Presne takto isto funguje pravideln\u00e9 investovanie. Jeden mesiac za 50 eur nak\u00fapite napr\u00edklad 10 podielov vo fonde a o p\u00e1r mesiacov nesk\u00f4r to m\u00f4\u017ee by\u0165 napr\u00edklad 100 podielov vo fonde. Pravidelnou invest\u00edciou sa minimalizuj\u00fa v\u00fdkyvy trhu a rizik\u00e1 spojen\u00e9 s investovan\u00edm.<\/span><\/p>\n

Investi\u010dn\u00ed odborn\u00edci zo spolo\u010dnosti FinGO.sk maj\u00fa s investovan\u00edm dlhoro\u010dn\u00e9 sk\u00fasenosti. Aj v t\u00fdchto d\u0148och sa s nami m\u00f4\u017eete spoji\u0165 \u010di u\u017e telefonicky<\/span> na \u010d\u00edsle 0800 60 10 60<\/strong> alebo na na\u0161ej internetovej str\u00e1nke nav\u0161t\u00edvte chat a zanechajte n\u00e1m odkaz. <\/span><\/span>Na<\/span>\u0161ou v\u00fdhodou je, \u017ee ve\u013ea vec\u00ed pre v\u00e1s dok\u00e1\u017eeme vyrie\u0161i\u0165 online<\/strong>. Obr\u00e1\u0165te sa na n\u00e1s aj v tomto \u0165a\u017ekom obdob\u00ed, radi v\u00e1m pom\u00f4\u017eeme.\u00a0\u00a0\u00a0<\/span><\/p>\n

Pora\u010fte sa oh\u013eadom svojich rodinn\u00fdch financi\u00ed<\/b>\u00a0jednoducho z pohodlia svojho domova.\u00a0Nechajte n\u00e1m kontakt<\/b>\u00a0a my sa v\u00e1m ozveme. Pom\u00f4\u017eeme v\u00e1m.\u00a0Spolu to zvl\u00e1dneme!<\/b><\/p>\n\n

\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n\n\n\n\n\n\n<\/div>\n

    \n<\/p>

    <\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

    M\u00e1te obavy o svoje peniaze? To najmenej, \u010do m\u00f4\u017eete urobi\u0165, je pre\u010dka\u0165 toto turbulentn\u00e9 obdobie, sp\u00f4soben\u00e9 epid\u00e9miou koronav\u00edrusu. Pre\u010d\u00edtajte si p\u00e4\u0165 z\u00e1kladn\u00fdch pravidiel, ktor\u00e9 platia v ka\u017edom \u010dase. Nepodliehajte panike a sk\u00faste z tejto situ\u00e1cie s chladnou hlavou vy\u0165a\u017ei\u0165 \u010do najviac.\u00a0 1.\u00a0Rezervy V prvom rade myslite na rezervy. Vo v\u0161eobecnosti plat\u00ed, \u017ee ka\u017ed\u00fd z n\u00e1s by mal ma\u0165 odlo\u017een\u00e9 peniaze vo v\u00fd\u0161ke 6-n\u00e1sobku mesa\u010dn\u00e9ho pr\u00edjmu. Vzh\u013eadom na to, \u017ee niektor\u00ed maj\u00fa ni\u017e\u0161iu spotrebu ako je v\u00fd\u0161ka pr\u00edjmu, a naopak in\u00ed maj\u00fa v\u00fddavky vy\u0161\u0161ie ako ich pr\u00edjem, odpor\u00fa\u010dame ma\u0165 rezervy vo v\u00fd\u0161ke 6 mesa\u010dn\u00fdch v\u00fddavkov.\u00a0 Rezerva s\u00fa peniaze, ktor\u00e9 by ste mali ma\u0165 ihne\u010f k dispoz\u00edcii v pr\u00edpade neo\u010dak\u00e1vanej udalosti. \u010ci u\u017e ide o poruchu spotrebi\u010da v dom\u00e1cnosti, opravu auta, v\u00fdpadok pr\u00edjmu alebo napr\u00edklad chorobu. Jednoducho povedan\u00e9, rezervy v\u00e1m maj\u00fa pom\u00f4c\u0165, aby ste nesiahali po drah\u00fdch \u00faverov\u00fdch produktoch alebo n\u00e1kupoch na spl\u00e1tky v\u017edy ke\u010f sa stane nie\u010do, na \u010do zrazu potrebujete peniaze. 2. Investovanie Investovanie je ide\u00e1lny sp\u00f4sob ako sa pripravi\u0165 na o\u010d\u00e1kavan\u00e9 v\u00fddavky v bud\u00facnosti. M\u00f4\u017ee to by\u0165 napr\u00edklad k\u00fapa nehnute\u013enosti, k\u00fapa auta, vysn\u00edvan\u00e1 dovolenka, pr\u00edprava na \u0161t\u00fadium pre va\u0161e die\u0165a a podobne. Pri t\u00fdchto pl\u00e1noch obvykle vieme, \u010do n\u00e1s to pribli\u017ene bude st\u00e1\u0165 a dokedy si na to potrebujeme […]<\/p>\n","protected":false},"author":29,"featured_media":2116,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,157],"tags":[47,51,49,52],"yoast_head":"\n5 z\u00e1kladn\u00fdch pravidiel, ako ochr\u00e1nite svoje peniaze - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Boj\u00edte sa o svoje peniaze po\u010das kr\u00edzy? 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