{"id":2359,"date":"2023-01-12T15:12:00","date_gmt":"2023-01-12T14:12:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2359"},"modified":"2026-02-02T10:28:07","modified_gmt":"2026-02-02T09:28:07","slug":"10-rad-ako-vyhodne-sporit-detom","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/10-rad-ako-vyhodne-sporit-detom\/","title":{"rendered":"Ako na sporenie pre deti v roku 2026"},"content":{"rendered":"\n<p><b>Krstiny, narodeniny, de\u0148 det\u00ed \u010di in\u00e9 sviatky s\u00fa pre star\u00fdch rodi\u010dov \u010di krstn\u00e9 mamy \u010dasto pr\u00edle\u017eitos\u0165ou, kedy daruj\u00fa de\u0165om &#8222;penia\u017eky na bud\u00facnos\u0165&#8220;. Pri men\u0161ej pr\u00edle\u017eitosti 20 eur, pri v\u00e4\u010d\u0161ej aj 50, 100 eur alebo aj viac. Takto z\u00edskan\u00e9 financie by mali rodi\u010dia odklada\u0165 alebo e\u0161te lep\u0161ie, \u201cprihodi\u0165\u201d na sporenie pre deti, ktor\u00e9 ich efekt\u00edvne zhodnot\u00ed. Viete, ako na to? &nbsp;<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>Ako vybra\u0165 v\u00fdhodn\u00e9 sporenie pre deti<\/li>\n\n\n\n<li>Ko\u013eko pe\u0148az\u00ed odklada\u0165 a kam ich investova\u0165<\/li>\n\n\n\n<li>Ak\u00e9 v\u00fdhody maj\u00fa ETF fondy alebo zlat\u00e9 mince<\/li>\n\n\n\n<li>Praktick\u00e9 tipy pre rodi\u010dov, ako vytrva\u0165 v sporen\u00ed<\/li>\n\n\n\n<li>Ako si porovna\u0165 mo\u017enosti a pre\u010do sa poradi\u0165 s <a href=\"https:\/\/www.fingo.sk\/kontakty\">FinGO.sk<\/a><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00fd rodi\u010d, ktor\u00fd u\u017e od narodenia svojho die\u0165a\u0165a mysl\u00ed na jeho bud\u00facnos\u0165 a uvedomuje si, \u017ee v\u00fdchova die\u0165a\u0165a nie je pr\u00e1ve lacn\u00e1 z\u00e1le\u017eitos\u0165, si zasl\u00fa\u017ei <strong>pochvalu.<\/strong> Tak\u00edto \u013eudia obvykle hne\u010f za\u010dn\u00fa de\u0165om spori\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/\">pravidelne mesa\u010dne ni\u017e\u0161ie sumy <\/a>tak, aby to ich rodinn\u00fd rozpo\u010det extra nepoc\u00edtil.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">T\u00edto rodi\u010dia s\u00fa obvykle <strong>lep\u0161ie pripraven\u00ed<\/strong> na v\u00fddavky spojen\u00e9 napr\u00edklad so \u0161kolou, v\u00fdletmi, z\u00e1ujmov\u00fdmi kr\u00fa\u017ekami a podobne. U\u017e len t\u00fdm, \u017ee v\u00f4bec sporia, s\u00fa o krok pred ostatn\u00fdmi. Ako ste na tom vy?<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>1. Ujasnite si cie\u013e<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">V prvom rade si ujasnite <strong>cie\u013e sporenia, resp. investovania<\/strong> &#8211; teda sa zamyslite, na \u010do chcete die\u0165a\u0165u odklada\u0165 peniaze. Ak mu chcete na\u0161etri\u0165 na nov\u00fd bicykel alebo hokejov\u00fa v\u00fdbavu, siahnete po in\u00fdch produktoch ako ke\u010f mu chcete spori\u0165 na \u0161t\u00fadium v zahrani\u010d\u00ed alebo <strong>na \u0161tart do \u017eivota<\/strong> ke\u010f za\u010dne pracova\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Najsk\u00f4r teda mus\u00edte vedie\u0165, \u010do chcete sporen\u00edm dosiahnu\u0165. Od zvolen\u00e9ho cie\u013ea sa potom bude odv\u00edja\u0165 <strong>suma, ktor\u00fa chcete na\u0161etri\u0165 <\/strong>a tie\u017e investi\u010dn\u00fd horizont &#8211; \u010das, ako dlho m\u00f4\u017eete <a href=\"https:\/\/www.fingo.sk\/investovanie\/akcie\">peniaze zhodnocova\u0165<\/a> a po akom \u010dase si ich budete chcie\u0165 vybra\u0165.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>2. Za\u010dnite \u010do najsk\u00f4r&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Kedysi rodi\u010dia za\u010d\u00ednali spori\u0165 de\u0165om preva\u017ene v obdob\u00ed, ke\u010f \u0161li do \u0161koly a uvedomili si aj neo\u010dak\u00e1van\u00e9 v\u00fddavky napr. na \u0161kolsk\u00e9 v\u00fdlety alebo z\u00e1ujmov\u00e9 kr\u00fa\u017eky. Dnes je u\u017e povedomie o finan\u010dnej pr\u00edprave na lep\u0161ej \u00farovni.<\/span> Mn<span style=\"font-weight: 400;\">oh\u00ed za\u010d\u00ednaj\u00fa sk\u00f4r, av\u0161ak obvykle to ostane pri odkladan\u00ed pe\u0148az\u00ed od rodiny.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Najlep\u0161ie je <a href=\"https:\/\/www.fingo.sk\/investovanie\">za\u010da\u0165 investova\u0165<\/a> <\/span>postupne pravidelne<span style=\"font-weight: 400;\">, <strong>hoci od sumy 20, 30 \u010di 50 eur mesa\u010dne<\/strong>. Za 10 \u010di 15 rokov takto nazbierate pekn\u00fdch p\u00e1r tis\u00edc eur, ktor\u00e9 ako by ste \u201cna\u0161li\u201d. <\/span><span style=\"font-weight: 400;\">Pri investovan\u00ed sa neoplat\u00ed \u010daka\u0165, preto za\u010dnite \u010do najsk\u00f4r.<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <\/b><span style=\"font-weight: 400;\">Ak za\u010dnete odklada\u0165 50 eur mesa\u010dne dnes, o 10 rokov m\u00f4\u017eete ma\u0165 na konte 9 200 eur. Ak za\u010dnete o rok, z invest\u00edci\u00ed dostanete len 7 900 eur. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Hoci bude vklad ni\u017e\u0161\u00ed len o 600 eur (50 x 12 mesiacov za 1 rok), rozdiel vo fin\u00e1lnej sume je a\u017e 1 300 eur.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2>&nbsp;<span style=\"color: #ec8124;\"><b>3. Ako dlho chcete investova\u0165<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Horizont, \u010di\u017ee obdobie<strong> ako dlho pl\u00e1nujete investova\u0165,<\/strong> m\u00f4\u017ee by\u0165 individu\u00e1lny a vopred si ho dobre premyslite. Pr\u00e1ve od neho z\u00e1vis\u00ed aj v\u00fdber a nastavenie investi\u010dn\u00e9ho produktu. Ak m\u00e1te <strong>15-ro\u010dn\u00e9 die\u0165a<\/strong> a chcete mu naspori\u0165 na vysok\u00fa \u0161kolu v zahrani\u010d\u00ed, m\u00e1te na to ove\u013ea menej \u010dasu oproti niekomu, komu sa<strong> die\u0165a narodilo v tomto roku.<\/strong><\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <\/b><span style=\"font-weight: 400;\">Ak by ste po 3 rokoch potrebovali peniaze pre die\u0165a na ubytovania v inom meste a ostatn\u00e9 v\u00fddavky spojen\u00e9 so \u0161kolou, je to pomerne kr\u00e1tky \u010dasov\u00fd horizont. V tomto pr\u00edpade nebudete spori\u0165 v \u010disto akciovom portf\u00f3liu ako niekto, kto pl\u00e1nuje spori\u0165 18 a\u017e 20 rokov.<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Kr\u00e1tkodob\u00e9 ciele s horizontom <\/span><b>do 5 rokov<\/b><span style=\"font-weight: 400;\"> vy\u017eaduj\u00fa konzervat\u00edvne produkty, napr\u00edklad <\/span><b>dlhopisov\u00e9 portf\u00f3li\u00e1.<\/b><span style=\"font-weight: 400;\"> Prines\u00fa ni\u017e\u0161ie v\u00fdnosy, av\u0161ak m\u00e1te istotu, \u017ee pr\u00e1ve v \u010dase ke\u010f budete peniaze potrebova\u0165, nestratia na hodnote kv\u00f4li nepriaznivej situ\u00e1cii na trhoch.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Na strednodob\u00e9 ciele s horizontom <\/span><b>okolo 5 &#8211; 10 rokov <\/b><span style=\"font-weight: 400;\">je dobr\u00e9 zvoli\u0165 rizikovej\u0161ie portf\u00f3lio, napr. <\/span><b>zmie\u0161an\u00e9 alebo realitn\u00e9 fondy. <\/b><span style=\"font-weight: 400;\">M\u00f4\u017eete tak dosiahnu\u0165 vy\u0161\u0161ie v\u00fdnosy ako pri \u010disto konzervat\u00edvnych fondoch, pri\u010dom nehroz\u00ed ve\u013ek\u00e9 riziko, \u017ee pr\u00eddete o \u010das\u0165 vkladov.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Dlhodob\u00e9 ciele s horizontom <\/span><b>viac ako 10 rokov <\/b><span style=\"font-weight: 400;\">s\u00fa ide\u00e1lne na rizikov\u00e9 portf\u00f3lio ako s\u00fa <\/span><b>akciov\u00e9 alebo indexov\u00e9 fondy<\/b><span style=\"font-weight: 400;\">. 10 a viac rokov je dostato\u010dne dlh\u00e9 obdobie na to, aby sa aj pr\u00edpadn\u00e9 v\u00fdkyvy na trhu ust\u00e1lili a aby ste nasporen\u00e9 prostriedky vybrali so ziskom.<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Viac o v\u00fdhod\u00e1ch naj\u010dastej\u0161ie vyu\u017e\u00edvan\u00fdch investi\u010dn\u00fdch produktov sa do\u010d\u00edtate ni\u017e\u0161ie. Ak sa chcete poradi\u0165 hne\u010f, z<span style=\"font-weight: 400;\">avolajte n\u00e1m na&nbsp;<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a><strong><span style=\"color: #ec8124;\">&nbsp;<\/span><\/strong>alebo n\u00e1m<span style=\"color: #ec8124;\"><strong> zanechajte va\u0161e \u00fadaje<\/strong><\/span> vo formul\u00e1ri ni\u017e\u0161ie.<\/span> S<span style=\"font-weight: 400;\">poj\u00edme v\u00e1s so sk\u00fasen\u00fdm investi\u010dn\u00fdm \u0161pecialistom vo va\u0161om okol\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<div class=\"wp-block-contact-form-7-contact-form-selector\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/2359#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\n\n\n<h2><span style=\"color: #ec8124;\"><strong>4. Ko\u013eko pe\u0148az\u00ed odklada\u0165<\/strong><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Suma, ktor\u00fa by ste chceli spori\u0165 svojim de\u0165om, z\u00e1vis\u00ed od v\u00e1\u0161ho rodinn\u00e9ho rozpo\u010dtu. <strong>Nejde ani tak o to, ko\u013eko zar\u00e1bate.<\/strong> To, \u017ee maj\u00fa niektor\u00e9 rodiny vy\u0161\u0161\u00ed pr\u00edjem neznamen\u00e1, \u017ee im ich spotreba dovol\u00ed si mesa\u010dne odlo\u017ei\u0165 vy\u0161\u0161iu \u010diastku ako rodiny s ni\u017e\u0161\u00edm pr\u00edjmom. Samozrejme plat\u00ed, \u017ee \u010d\u00edm viac budete pravidelne spori\u0165, t\u00fdm viac na konci obdobia z\u00edskate.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/11\/zhodnoceni-investice_OPRAVENE-FINAL.png\" alt=\"\" class=\"wp-image-9651\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/11\/zhodnoceni-investice_OPRAVENE-FINAL.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/11\/zhodnoceni-investice_OPRAVENE-FINAL-300x161.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/11\/zhodnoceni-investice_OPRAVENE-FINAL-768x413.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><span style=\"font-weight: 400;\">V tabu\u013eke vidie\u0165, ak\u00fd ve\u013ek\u00fd rozdiel v \u010dase dok\u00e1\u017ee urobi\u0165 v\u00fd\u0161ka v\u00e1\u0161ho vkladu. Preto ak m\u00e1te mo\u017enos\u0165, odkladajte de\u0165om pravidelne mesa\u010dne aj vy\u0161\u0161iu sumu a <strong>na konci o to viac z\u00edskate.&nbsp;<\/strong><\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Taktie\u017e je vhodn\u00e9 vklada\u0165 de\u0165om na sporenie aj nepravideln\u00e9 vklady ako s\u00fa napr\u00edklad peniaze od rodiny k vysved\u010deniu, k narodenin\u00e1m alebo na Vianoce.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>5. ETF fondy maj\u00fa viacero v\u00fdhod&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">V s\u00fa\u010dasnosti je najroz\u0161\u00edrenej\u0161ie sporenie do klasick\u00fdch podielov\u00fdch fondov, ale \u010d\u00edm \u010falej t\u00fdm viac si z\u00edskava ob\u013eubu aj<strong> investovanie<a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\"> do ETF fondov<\/a><\/strong>. S\u00fa s nimi spojen\u00e9 <strong>ni\u017e\u0161ie poplatky<\/strong>, v ist\u00fdch situ\u00e1ci\u00e1ch je v\u00e1\u0161 zisk osloboden\u00fd od dane, a t\u00fdm p\u00e1dom m\u00e1te \u0161ancu na <strong>vy\u0161\u0161\u00ed zisk<\/strong> ako pri podielov\u00fdch fondoch.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Do ETF fondov m\u00f4\u017eete spori\u0165 <strong>u\u017e od 20 eur mesa\u010dne<\/strong> a t\u00e1to forma invest\u00edcie je ide\u00e1lna pri dlh\u0161om horizonte ako je 5 rokov.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pri spr\u00e1vnom rozlo\u017een\u00ed portf\u00f3lia v\u0161ak m\u00f4\u017eete \u010do to zarobi\u0165 aj v krat\u0161om \u010dase, napr\u00edklad okolo 3 rokov.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V\u00fdhodou ETF fondov tie\u017e je, \u017ee v pr\u00edpade potreby <strong>m\u00e1te peniaze kedyko\u013evek k dispoz\u00edcii<\/strong> a vo v\u00e4\u010d\u0161ine spolo\u010dnost\u00ed m\u00f4\u017eete v\u00fd\u0161ku a pravidelnos\u0165 vkladov variova\u0165.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">To znamen\u00e1, \u017ee ak die\u0165a dostane napr\u00edklad od star\u00fdch rodi\u010dov peniaze k narodenin\u00e1m, m\u00f4\u017eete ich posla\u0165 na investi\u010dn\u00e9 konto <strong>bez nejak\u00fdch poplatkov navy\u0161e<\/strong> a tak\u00fdto vklad nemus\u00edte ani nikde vopred oznamova\u0165.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>6. Zlat\u00e9 mince aj od 25 eur mesa\u010dne&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010eal\u0161ou z foriem investovania, ktor\u00e1 si z\u00edskava <strong>st\u00e1le viac fan\u00fa\u0161ikov aj medzi rodi\u010dmi<\/strong>, je<a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\"> invest\u00edcia do zlata<\/a>. U\u017e v minulosti sa zlato pova\u017eovalo za ist\u00fa formu dedi\u010dstva, ktor\u00e1 nestr\u00e1ca na hodnote. Zlat\u00e9 \u0161perky sa dedili z gener\u00e1cie na gener\u00e1ciu, a to sa dnes op\u00e4\u0165 <\/span><span style=\"font-weight: 400;\">dost\u00e1va do popredia.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Aj do zlata m\u00f4\u017eete spori\u0165 pravidelne a postupne, napr\u00edklad <strong>u\u017e po 25 eur mesa\u010dne.<\/strong>&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Tak ako pri ETF fondoch, aj do zlata m\u00f4\u017eete investova\u0165 <strong>aj vy\u0161\u0161ie jednorazov\u00e9 vklady.<\/strong><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Tu v\u0161ak treba da\u0165 <strong>pozor na podmienky<\/strong>, ktor\u00e9 s\u00fa s touto formou investovania spojen\u00e9. Ka\u017ed\u00e1 zo spolo\u010dnost\u00ed m\u00e1 inak postaven\u00e9 podmienky a poplatkov\u00fa \u0161trukt\u00faru.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><b>TIP: <\/b><span style=\"font-weight: 400;\">Napr\u00edklad vo FinGO.sk rodi\u010dia investuj\u00fa<a href=\"https:\/\/www.fingo.sk\/investovanie\/investicne-zlato\"> do zlata<\/a> v jednoduchom sporiacom programe spolo\u010dnosti Golden Oak Trust, v ktorom u\u017e od n\u00edzkej sumy postupne nakupuj\u00fa podiely v investi\u010dn\u00fdch 1-uncov\u00fdch <strong>minciach Viedensk\u00ed filharmonici.<\/strong> Patria k najpred\u00e1vanej\u0161\u00edm v Eur\u00f3pe, s\u00fa kr\u00e1sne a ide\u00e1lne aj ako <strong>hodnotn\u00fd dar napr\u00edklad k prom\u00f3ci\u00e1m.<\/strong><\/span><\/p>\n<\/blockquote>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1000\" height=\"563\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/mince_GOT.jpg\" alt=\"sporenie do zlata\" class=\"wp-image-2364\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/mince_GOT.jpg 1000w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/mince_GOT-300x169.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2020\/06\/mince_GOT-768x432.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n<h2><span style=\"color: #ec8124;\"><b>7. Na vkladn\u00e9 kni\u017eky zabudnite<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Kedysi ob\u013e\u00faben\u00e9 vkladn\u00e9 kni\u017eky nedosahuj\u00fa zhodnotenie ani na \u00farovni infl\u00e1cie, \u010do znamen\u00e1, \u017ee u\u017e po p\u00e1r rokoch va\u0161e <strong><a href=\"https:\/\/www.fingo.sk\/blog\/mate-este-vkladnu-knizku-ci-terminovany-vklad-zbavte-sa-ich-zbytocne-stracate-peniaze\/\">peniaze str\u00e1caj\u00fa na hodnote<\/a>.<\/strong> Ak by ste chceli na vkladn\u00fa kni\u017eku odlo\u017ei\u0165 napr\u00edklad <strong>nasporen\u00fdch 1000 eur,<\/strong> lebo viete, \u017ee ich o rok budete potrebova\u0165, v tom pr\u00edpade by e\u0161te bola vhodnou vo\u013ebou. Av\u0161ak z dlhodob\u00e9ho h\u013eadiska je tak\u00fdto produkt nev\u00fdhodn\u00fd a zbyto\u010dne sa tak priprav\u00edte o zisk.&nbsp;<\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad: <\/span><\/b><span style=\"font-weight: 400;\">Ak by ste<\/span><b> 1 000 eur<\/b><span style=\"font-weight: 400;\"> nechali \u201codpo\u010d\u00edva\u0165\u201d na vkladnej kni\u017eke<\/span> s prakticky nulov\u00fdm \u00farokom, <b>za 10 rokov<\/b><span style=\"font-weight: 400;\"> by sa v\u00e1m tieto peniaze <\/span><b>kv\u00f4li infl\u00e1cii znehodnotili<\/b><span style=\"font-weight: 400;\"> zhruba o <\/span><span style=\"font-weight: 400;\">8 a\u017e 9<\/span><span style=\"font-weight: 400;\"> % ka\u017ed\u00fd rok, <\/span><span style=\"font-weight: 400;\">tak\u017ee dnes by mali hodnotu len okolo <\/span><b>450 eur.<\/b> <span style=\"font-weight: 400;\">Pritom keby ste 1 000 eur investovali <\/span><b>do podielov\u00fdch fondov<\/b><span style=\"font-weight: 400;\">, pri 8 %-nom \u00faroku by ste po 10 rokoch mohli vytiahnu\u0165 <\/span><b>2 100 eur.<\/b><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP:<\/b><\/span><span style=\"font-weight: 400;\"> Detsk\u00fd alebo \u0161tudentsk\u00fd \u00fa\u010det m\u00f4\u017eete zalo\u017ei\u0165 die\u0165a\u0165u, aby sa <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-pre-rodicov-kedy-dat-detom-prve-vreckove-sporiace-prasiatko-alebo-zalozit-ucet\/\">nau\u010dilo odklada\u0165 peniaze,<\/a> pr\u00edpadne pou\u017e\u00edva\u0165 platobn\u00fa kartu sam\u00e9, ale na dlhodob\u00e9 sporenie to kv\u00f4li n\u00edzkemu, resp. takmer nulov\u00e9mu \u00faro\u010deniu nie je vhodn\u00fd produkt.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>8. Sporenie pre deti na viacer\u00fdch zmluv\u00e1ch<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Obvykle rodi\u010dia de\u0165om zalo\u017eia jeden investi\u010dn\u00fd produkt, resp. konto, na ktorom mu sporia dlhodobo. Ak v\u0161ak sa neviete rozhodn\u00fa\u0165, \u010di chcete spori\u0165 dlhodobo v rizikovej\u0161om portf\u00f3liu, alebo rad\u0161ej chcete odklada\u0165 peniaze s men\u0161\u00edm rizikom, aby ste mali <strong>istotu, \u017ee nebud\u00fa v strate<\/strong> pr\u00e1ve vtedy ke\u010f si ich budete chcie\u0165 vybra\u0165, m\u00f4\u017eete uzatvori\u0165 viac r\u00f4znych zml\u00fav.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<p><b>Poplatky pri investovan\u00ed<\/b><span style=\"font-weight: 400;\"> s\u00fa ur\u010den\u00e9 percentu\u00e1lnym pomerom, \u010di\u017ee je jedno \u010di budete ma\u0165 jednu zmluvu s cie\u013eovou sumou 20 000 eur, alebo dve zmluvy s cie\u013eov\u00fdmi sumami po 10 000 eur.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Na jednej zmluve m\u00f4\u017eete spori\u0165 na <strong>dlh\u0161\u00ed cie\u013e<\/strong>, napr\u00edklad na pomoc na zabezpe\u010denie b\u00fdvania pre die\u0165a a na druhej zmluve na <strong>krat\u0161ie ciele<\/strong> ako je hudobn\u00fd n\u00e1stroj \u010di \u0161portov\u00e1 v\u00fdbava.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><strong>Invest\u00edciu m\u00f4\u017eete rozdeli\u0165<\/strong> tak, \u017ee na dlh\u0161\u00ed cie\u013e zvol\u00edte napr\u00edklad zlato a na krat\u0161\u00ed ETF fondy, alebo si rozhodnete spori\u0165 len do ETF fondov a v r\u00e1mci nich si otvor\u00edte viac zml\u00fav. Obidve mo\u017enosti maj\u00fa svoj zmysel.&nbsp;&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\">Rozlo\u017een\u00edm pe\u0148az\u00ed<\/a> tak budete <strong>minimalizova\u0165 riziko<\/strong> spojen\u00e9 s investovan\u00edm.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 je <strong>men\u0161ia pravdepodobnos\u0165, \u017ee siahnete na peniaze<\/strong> ur\u010den\u00e9 na dlhodob\u00e9 pl\u00e1ny, ak m\u00e1te vytvoren\u00fd \u010fal\u0161\u00ed obnos prostriedkov na \u010fal\u0161om konte.<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>9. Na peniaze nesiahajte, nech pracuj\u00fa<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Sila invest\u00edcii sa ukr\u00fdva v \u010dase, teda aj v\u00e1\u0161 <strong>v\u00fdnos z\u00e1vis\u00ed od toho, ako dlho<\/strong> nech\u00e1te va\u0161e prostriedky pracova\u0165. <a href=\"https:\/\/www.fingo.sk\/blog\/ako-vyuzit-pokles-financnych-trhov\/\"><strong>Trhy z dlhodob\u00e9ho h\u013eadiska<\/strong> <\/a>neust\u00e1le rast\u00fa a ak nastane nejak\u00fd prepad, obvykle trv\u00e1 nieko\u013eko mesiacov k\u00fdm sa spam\u00e4taj\u00fa a potom rast\u00fa \u010falej.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak by ste pr\u00edli\u0161 \u010dasto zasahovali do va\u0161ej zmluvy a vyberali nasporen\u00e9 peniaze, resp. ich \u010das\u0165, <strong>priprav\u00edte sa v \u010dase o nemal\u00e9 peniaze.&nbsp;<\/strong><\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">Pr\u00edklad:<\/span> <\/b><span style=\"font-weight: 400;\">Ak by ste mesa\u010dne vkladali <strong>po 50 eur po dobu 20 rokov<\/strong>, a nezasiahli by ste do zmluvy v\u017edy ke\u010f sa na trhu nie\u010do stane a z\u013eaknete sa, alebo ke\u010f budete zrazu potrebova\u0165 opravi\u0165 plynov\u00fd kotol, po 20 rokoch m\u00f4\u017eete ma\u0165 nasporen\u00fdch viac ako 29 000 eur aj napriek tomu, \u017ee v\u00e1\u0161 vklad predstavuje iba 12 000 eur. <\/span><span style=\"font-weight: 400;\">Ale ak napr\u00edklad po 10 rokoch budete chcie\u0165 <strong>vybra\u0165 sumu 500 eur<\/strong>, tak na horizonte \u010fal\u0161\u00edch 10 rokov v\u00e1s tak\u00fdto \u201cnevinn\u00fd\u201d v\u00fdber <strong>priprav\u00ed o mo\u017en\u00fd zisk vo v\u00fd\u0161ke 3 000 eur.&nbsp;<\/strong><\/span><\/p>\n\n\n\n<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Na ne\u010dakan\u00e9 v\u00fddavky \u010di pr\u00edpadn\u00e9 opravy by mala sl\u00fa\u017ei\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">finan\u010dn\u00e1 rezerva<\/a>, ktor\u00fa si treba tvori\u0165 zvl\u00e1\u0161\u0165 napr\u00edklad na depozitnom konte \u010di sporiacom \u00fa\u010dte, ku ktor\u00e9mu nem\u00e1te platobn\u00fa kartu. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Peniaze tak budete ma\u0165 kedyko\u013evek k dispoz\u00edcii, ale z\u00e1rove\u0148 ich nebudete m\u00f4c\u0165 \u201cbezhlavo\u201d m\u00ed\u0148a\u0165, \u010do by mohlo by\u0165 pri rezerve na be\u017enom \u00fa\u010dte ve\u013emi l\u00e1kav\u00e9.&nbsp;&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>10. Trval\u00fd pr\u00edkaz hne\u010f po v\u00fdplate<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ide\u00e1lny sp\u00f4sob ako spori\u0165 (a to nielen de\u0165om), je nastavi\u0165 si trval\u00fd pr\u00edkaz tak, aby v\u00e1m peniaze na invest\u00edcie a sporenie <strong>odi\u0161li z \u00fa\u010dtu hne\u010f po v\u00fdplate<\/strong>. Ak si vopred stanov\u00edte vhodn\u00fa \u010diastku, je men\u0161ia pravdepodobnos\u0165, \u017ee by v\u00e1m na konci mesiaca ch\u00fdbala.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010casto sa st\u00e1va, \u017ee rodi\u010dia chc\u00fa de\u0165om odklada\u0165 peniaze, ktor\u00e9 im ostan\u00fa na \u00fa\u010dte konci mesiaca. Zo sk\u00fasenosti v\u0161ak aj vy sami viete, \u017ee ak s\u00fa nejak\u00e9 peniaze na \u00fa\u010dte, tak sa v\u017edy napokon z\u00eddu na nie\u010do in\u00e9 a <strong>na sporenie u\u017e napokon neostan\u00fa.<\/strong> Ak v\u0161ak odlo\u017e\u00edte bokom ur\u010dit\u00fa \u010diastku hne\u010f po v\u00fdplate a po\u010das mesiaca u\u017e s \u0148ou nepo\u010d\u00edtate, je men\u0161ia pravdepodobnos\u0165, \u017ee by ste ju pravidelne mesiac \u010do mesiac nakoniec potrebovali.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Bu\u010fte pre svoje deti vzorom aj v sporen\u00ed<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak budete de\u0165om spori\u0165 pravidelne, m\u00f4\u017eete im navrhn\u00fa\u0165, aby si odkladali aj <strong>\u010das\u0165 svojho vreckov\u00e9ho<\/strong>. Za\u010dnete tak u nich vytv\u00e1ra\u0165 povedomie o finan\u010dnej zodpovednosti. Tak\u00e9to deti si obvykle sami uvedomia d\u00f4le\u017eitos\u0165 odkladania pe\u0148az\u00ed.<\/span> V<span style=\"font-weight: 400;\"> dospelosti s\u00fa sk\u00f4r naklonen\u00e9 my\u0161lienke odklada\u0165 si \u010das\u0165 pr\u00edjmu na rezervu a na svoju bud\u00facnos\u0165.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\">Za\u010dnite svojim de\u0165om spori\u0165 naozaj v\u00fdhodne<\/a>, o p\u00e1r rokov sa v\u00e1m za to po\u010fakuj\u00fa. <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>Finan\u010dn\u00ed sprostredkovatelia z FinGO.sk<\/strong><\/a> v\u00e1m radi pom\u00f4\u017eu, ako na to. N\u00e1jdete n\u00e1s na celom Slovensku a mnoh\u00e9 invest\u00edcie v\u00e1m vieme uzatvori\u0165 a sprostredkova\u0165 <strong>aj online<\/strong>.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na<strong> <span style=\"color: #ec8124;\">0800 60 10 60&nbsp;<\/span><\/strong>alebo n\u00e1m<span style=\"color: #ec8124;\"><strong> zanechajte va\u0161e \u00fadaje<\/strong><\/span>. <\/span>S<span style=\"font-weight: 400;\">poj\u00edme v\u00e1s so sk\u00fasen\u00fdm makl\u00e9rom, ktor\u00fd v\u00e1m porad\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Krstiny, narodeniny, de\u0148 det\u00ed \u010di in\u00e9 sviatky s\u00fa pre star\u00fdch rodi\u010dov \u010di krstn\u00e9 mamy \u010dasto pr\u00edle\u017eitos\u0165ou, kedy daruj\u00fa de\u0165om &#8222;penia\u017eky na bud\u00facnos\u0165&#8220;. Pri men\u0161ej pr\u00edle\u017eitosti 20 eur, pri v\u00e4\u010d\u0161ej aj 50, 100 eur alebo aj viac. Takto z\u00edskan\u00e9 financie by mali rodi\u010dia odklada\u0165 alebo e\u0161te lep\u0161ie, \u201cprihodi\u0165\u201d na sporenie pre deti, ktor\u00e9 ich efekt\u00edvne zhodnot\u00ed. Viete, ako na to? &nbsp; V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp; Ka\u017ed\u00fd rodi\u010d, ktor\u00fd u\u017e od narodenia svojho die\u0165a\u0165a mysl\u00ed na jeho bud\u00facnos\u0165 a uvedomuje si, \u017ee v\u00fdchova die\u0165a\u0165a nie je pr\u00e1ve lacn\u00e1 z\u00e1le\u017eitos\u0165, si zasl\u00fa\u017ei pochvalu. Tak\u00edto \u013eudia obvykle hne\u010f za\u010dn\u00fa de\u0165om spori\u0165 pravidelne mesa\u010dne ni\u017e\u0161ie sumy tak, aby to ich rodinn\u00fd rozpo\u010det extra nepoc\u00edtil.&nbsp; T\u00edto rodi\u010dia s\u00fa obvykle lep\u0161ie pripraven\u00ed na v\u00fddavky spojen\u00e9 napr\u00edklad so \u0161kolou, v\u00fdletmi, z\u00e1ujmov\u00fdmi kr\u00fa\u017ekami a podobne. U\u017e len t\u00fdm, \u017ee v\u00f4bec sporia, s\u00fa o krok pred ostatn\u00fdmi. Ako ste na tom vy? 1. Ujasnite si cie\u013e V prvom rade si ujasnite cie\u013e sporenia, resp. investovania &#8211; teda sa zamyslite, na \u010do chcete die\u0165a\u0165u odklada\u0165 peniaze. Ak mu chcete na\u0161etri\u0165 na nov\u00fd bicykel alebo hokejov\u00fa v\u00fdbavu, siahnete po in\u00fdch produktoch ako ke\u010f mu chcete spori\u0165 na \u0161t\u00fadium v zahrani\u010d\u00ed alebo na \u0161tart do \u017eivota ke\u010f za\u010dne pracova\u0165.&nbsp; Najsk\u00f4r teda mus\u00edte vedie\u0165, [&hellip;]<\/p>\n","protected":false},"author":56,"featured_media":2372,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[159,52,160],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako na sporenie pre deti v roku 2026 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Mnoh\u00ed rodi\u010dia za\u010d\u00ednaj\u00fa spori\u0165 de\u0165om hne\u010f u\u017e narodenia. 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