{"id":250,"date":"2024-01-16T08:56:00","date_gmt":"2024-01-16T07:56:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=250"},"modified":"2026-01-26T13:34:41","modified_gmt":"2026-01-26T12:34:41","slug":"kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/","title":{"rendered":"Ako investova\u0165 v roku 2026: Rady pre za\u010d\u00ednaj\u00facich investorov"},"content":{"rendered":"\n<p><strong>\u010ci u\u017e je i<\/strong><b>nfl\u00e1cia vysok\u00e1 alebo n\u00edzka, na\u0161e peniaze kv\u00f4li nej str\u00e1caj\u00fa na hodnote.&nbsp;Je preto smutn\u00e9, ke\u010f \u013eudia nech\u00e1vaj\u00fa odpo\u010d\u00edva\u0165 svoje \u00faspory len na \u00fa\u010dtoch v bank\u00e1ch namiesto toho, aby ich investovali a efekt\u00edvne zhodnotili. Ako investova\u0165, ak s t\u00fdm zatia\u013e nem\u00e1te sk\u00fasenosti? Porad\u00edme v\u00e1m.<\/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 va\u0161e peniaze ohrozuje infl\u00e1cia<\/li>\n\n\n\n<li>Rozdiel medzi sporen\u00edm, investovan\u00edm a obchodovan\u00edm<\/li>\n\n\n\n<li>Druhy invest\u00edci\u00ed pod\u013ea rizika a investi\u010dn\u00e9ho horizontu<\/li>\n\n\n\n<li>N\u00e1vod so 6 praktick\u00fdmi radami, ako za\u010da\u0165 investova\u0165<\/li>\n\n\n\n<li>Aby va\u0161e peniaze zar\u00e1bali, pora\u010fte sa <a href=\"https:\/\/www.fingo.sk\/kontakty\">s odborn\u00edkom<\/a><\/li>\n<\/ul>\n\n\n\n<h2><strong><span style=\"color: #ec8124;\">Ako va\u0161e peniaze ohrozuje infl\u00e1cia<\/span><\/strong><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Pod\u013ea N\u00e1rodnej banky Slovenska maj\u00fa na\u0161inci neuverite\u013en\u00fdch viac ako 50 mili\u00e1rd eur na \u00fa\u010dtoch v bank\u00e1ch, na ktor\u00fdch je v s\u00fa\u010dasnosti nulov\u00fd, alebo vo v\u00e4\u010d\u0161ine b\u00e1nk len minim\u00e1lny \u00farok. Takto odlo\u017een\u00e9 peniaze s\u00fa s\u00edce v banke v bezpe\u010d\u00ed, ale z\u00e1rove\u0148 sa ich hodnota rokmi znehodnocuje.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">V roku 2026 \u0161tatistici o\u010dak\u00e1vaj\u00fa, \u017ee <a href=\"https:\/\/slovak.statistics.sk\/wps\/portal\/ext\/products\/visual\/K%C4%BE%C3%BA%C4%8Dov%C3%A9%20ukazovatele\/!ut\/p\/z1\/tZRNc6JAEIZ_Sw45UtPDgAPHgciHQdnBgDqXLYKorBGNUGzy73dMUm5FSnAPOxyAop_-4u1GAs2RKNOmWKd1sS_TF_m-EIOfSfDDsCzMwHWxA3zIHlxGQhLHOkqQQCIr60O9QYv9c5VulGqrFOVKSbf1PciH_XEnvTVlrlSHY9q830NT5fVW3nV9mRF9lSnqUjMVjVKimEtClIysTABs5vlqeXJ_yIolWtxkPfvI13aZp9EAwAhcHXzmxZHJCQFGkOgu55OHK4fBbTyn_qdB6LkAPh1NtcigauirH_z5M4wfbfCJ73GLRRh8rYdn9Dvfdn_BtwN8521zCP7IGzCNDnGY4C-ecc6nQZKAm6iO5LELkzgGeBpc5G8FRPKP04lnO6p7rv8abw0u-heaBnAesciWPcQT3Kq_laDodj-70GsrQBfv0J78HdrJPw1a_W816Cb9dBiIbnnOTvPSMwF9PkRnkTr9MjgXaUweLKnCgHLDt0hoqT0eItpjcJJZ348WXZMApnpp0J4ED9CoT85y_RW_Xl8FkztuX9b5W43m_2PJyTjqcWyP13LZpfXm5HqP5jeh02qLFlI19GodWMq6KfLfKC5Pab6g6T8u1cNuZ5D34u9RttFQXsa41p-1xWjN7u7-APXb2VU!\/dz\/d5\/L2dJQSEvUUt3QS80TmxFL1o2X1ZMUDhCQjFBMDBDUzMwNkNLTjNQN0ZKUU0y\/\" target=\"_blank\" rel=\"noreferrer noopener\">priemern\u00e1 infl\u00e1cia<\/a> na Slovensku dosiahne 4 %. To znamen\u00e1, \u017ee k\u00fapna sila t\u00fdchto 50 mili\u00e1rd klesne na 48 mld. a re\u00e1lne si za ne \u013eudia k\u00fapia menej tovarov a slu\u017eieb. A predstavte si, ak\u00fa hodnotu bud\u00fa ma\u0165 tieto peniaze po tak\u00fdch 10 \u010di 20 rokoch! <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Preto ak m\u00e1te na be\u017en\u00fdch \u00fa\u010dtoch odlo\u017een\u00fdch ve\u013ea \u00faspor, je najvy\u0161\u0161\u00ed \u010das sa zamyslie\u0165, ako s nimi rozumne nalo\u017ei\u0165. Nesta\u010d\u00ed peniaze len odklada\u0165, ale <a href=\"https:\/\/www.fingo.sk\/investovanie\">v\u00fdhodne ich investova\u0165<\/a>.&nbsp;<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Rozdiel medzi sporen\u00edm, investovan\u00edm a obchodovan\u00edm<\/b><\/span><\/h2>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>S<\/b><b>porenie<\/b><span style=\"font-weight: 400;\">&nbsp;<\/span><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">ide sk\u00f4r o kumulovanie prebyto\u010dnej hotovosti v bank\u00e1ch<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">m\u00e1 ve\u013emi n\u00edzke zhodnotenie, kv\u00f4li infl\u00e1cii va\u0161e peniaze znehodnocuje<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">k peniazom sa viete dosta\u0165 prakticky okam\u017eite<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">je ide\u00e1lne pre udr\u017eanie <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">finan\u010dnej rezervy<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">kv\u00f4li n\u00edzkym \u00farokom nie je vhodn\u00e9 pre dlhodob\u00e9 zhodnocovanie pe\u0148az\u00ed<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">typick\u00fdmi sporiacimi produktmi s\u00fa be\u017en\u00fd \u00fa\u010det, sporiaci \u00fa\u010det alebo term\u00ednovan\u00fd vklad<\/span><\/li>\n<\/ul>\n\n\n\n<h3><span style=\"color: #ec8124;\"><b>Investovanie<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">ide o zhodnotenie finan\u010dn\u00fdch prostriedkov<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">\u00fa\u010delom je <a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\">dosiahnu\u0165 zisk<\/a>, okrem odkladania pe\u0148az\u00ed dostanete aj nie\u010do \u201cnavy\u0161e\u201d<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">v\u010faka vy\u0161\u0161\u00edm v\u00fdnosom va\u0161e peniaze nestr\u00e1caj\u00fa na hodnote, ale zar\u00e1baj\u00fa<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">investova\u0165 m\u00f4\u017eete pravidelne napr. 50 \u010di 100 eur mesa\u010dne, ale aj jednorazovo, ak m\u00e1te k dispoz\u00edcii vo\u013en\u00fdch p\u00e1r tis\u00edc eur<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">k peniazom sa viete dosta\u0165 v priebehu nieko\u013ek\u00fdch dn\u00ed (v z\u00e1vislosti od finan\u010dn\u00e9ho produktu)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">typick\u00fdmi investi\u010dn\u00fdmi n\u00e1strojmi s\u00fa podielov\u00e9 fondy, indexov\u00e9 fondy &#8211; ETF, akcie, dlhopisy alebo <a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\">investi\u010dn\u00e9 zlato<\/a><\/span><\/li>\n<\/ul>\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<h3><span style=\"color: #ec8124;\"><b>Obchodovanie<\/b><\/span><\/h3>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">kv\u00f4li vysokej rizikovosti je vhodn\u00e9 len pre sk\u00fasen\u00fdch investorov, resp. obchodn\u00edkov<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pri dennom obchodovan\u00ed zjednodu\u0161ene povedan\u00e9 nakupujte alebo pred\u00e1vate svoje akt\u00edva (napr. akcie, komodity ako zlato, ropa a podobne)<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">niektor\u00e9 finan\u010dn\u00e9 n\u00e1stroje sa obchoduj\u00fa s p\u00e1kou, \u010di\u017ee vlo\u017e\u00edte napr\u00edklad 10 000 eur a firma v\u00e1m d\u00e1 \u010fal\u0161ie peniaze na obchodovanie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">pri obchodovan\u00ed je potrebn\u00e9 ma\u0165 pevn\u00e9 nervy a jasne stanoven\u00fd money management<\/span><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Druhy invest\u00edci\u00ed pod\u013ea rizika a horizontu<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00fd <a href=\"https:\/\/www.fingo.sk\/investovanie\">investi\u010dn\u00fd n\u00e1stroj<\/a> v\u00e1m prinesie zisk, ale ten sa l\u00ed\u0161i pod\u013ea miery rizikovosti, ktor\u00fa ste ochotn\u00ed podst\u00fapi\u0165. Ak nech\u00e1te va\u0161e peniaze pracova\u0165 dlh\u0161iu dobu, m\u00f4\u017eete o\u010dak\u00e1va\u0165 vy\u0161\u0161\u00ed zisk a naopak. Vo v\u0161eobecnosti mo\u017eno druhy invest\u00edci\u00ed rozdeli\u0165 na kr\u00e1tkodob\u00e9, strednodob\u00e9 a dlhodob\u00e9.<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"color: #ec8124;\">Kr\u00e1tkodob\u00e9 ciele s horizontom cca od 2 do 5 rokov<\/span><span style=\"font-weight: 400;\"> vy\u017eaduj\u00fa konzervat\u00edvne produkty, napr\u00edklad dlhopisov\u00e9 portf\u00f3li\u00e1. Prines\u00fa v\u00e1m s\u00edce 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=\"color: #ec8124;\">Na strednodob\u00e9 ciele s horizontom 5 \u2013 10 rokov<\/span> <span style=\"font-weight: 400;\">je dobr\u00e9 zvoli\u0165 rizikovej\u0161ie portf\u00f3lio, napr. zmie\u0161an\u00e9 alebo realitn\u00e9 fondy.<\/span> <span style=\"font-weight: 400;\">M\u00f4\u017eete tak dosiahnu\u0165 vy\u0161\u0161ie v\u00fdnosy ako pri \u010disto konzervat\u00edvnych fondoch, pri\u010dom v\u00e1m nehroz\u00ed ve\u013ek\u00e9 riziko, \u017ee pr\u00eddete o \u010das\u0165 vkladov.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"color: #ec8124;\">Dlhodob\u00e9 ciele s horizontom viac ako 10 rokov<\/span> <span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">s\u00fa ide\u00e1lne na rizikov\u00e9 portf\u00f3lio ako s\u00fa akciov\u00e9 alebo<a href=\"https:\/\/www.fingo.sk\/blog\/co-su-to-etf-fondy-a-ake-su-ich-vyhody\/\"> indexov\u00e9 fondy.<\/a> 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><\/span><\/li>\n<\/ul>\n\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>6 praktick\u00fdch r\u00e1d, ako za\u010da\u0165 investova\u0165&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">By\u0165 investorom neznamen\u00e1, \u017ee mus\u00edte ma\u0165 k dispoz\u00edcii ve\u013ek\u00fd objem pe\u0148az\u00ed a ma\u0165 odborn\u00e9 znalosti, ako ich spr\u00e1vne investova\u0165 na finan\u010dnom trhu. Je to ove\u013ea jednoduch\u0161ie. Ako na to?&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">1. V prvom rade si urobte jasno vo va\u0161ich <a style=\"color: #ec8124;\" href=\"https:\/\/www.fingo.sk\/blog\/chcete-zacat-investovat\/\">cie\u013eoch<\/a><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">. <\/span>Napl\u00e1nujte si, \u010do v\u00e1s v \u017eivote \u010dak\u00e1, aby ste vedeli, na \u010do a ko\u013eko pe\u0148az\u00ed budete v bud\u00facnosti potrebova\u0165. M\u00f4\u017ee \u00eds\u0165 o bud\u00face dofinancovanie hypot\u00e9ky, alebo <a href=\"https:\/\/www.fingo.sk\/blog\/10-rad-ako-vyhodne-sporit-detom\/\">\u0161t\u00fadium pre die\u0165a<\/a> v zahrani\u010d\u00ed, va\u0161im cie\u013eom m\u00f4\u017ee by\u0165 aj lep\u0161\u00ed d\u00f4chodok alebo ak\u00fdko\u013evek in\u00fd. Peniaze sa odkladaj\u00fa podstatne jednoduch\u0161ie, ke\u010f viete, \u201cna \u010do\u201d ich odklad\u00e1te.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">2. Na z\u00e1klade v\u00e1\u0161ho cie\u013ea si potom zvol\u00edte cie\u013eov\u00fa sumu investovania<\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">,<\/span> \u010di\u017ee va\u0161u predstavu &#8211; ko\u013eko pe\u0148az\u00ed by ste si na svoj cie\u013e (alebo aj na viacero cie\u013eov) chceli naspori\u0165 a na konci sporenia vybra\u0165. Zadefinovanie cie\u013eovej sumy je ve\u013emi d\u00f4le\u017eit\u00e9, aby ste si n\u00e1sledne vedeli nastavi\u0165 adekv\u00e1tnu mesa\u010dn\u00fa \u010diastku sporenia.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">3. Premyslite si investi\u010dn\u00fd horizont<\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">,<\/span> teda \u010dasov\u00e9 obdobie, kedy peniaze budete potrebova\u0165. \u010ci to bude o 10 rokov ke\u010f die\u0165a skon\u010d\u00ed vysok\u00fa, alebo to bude o 20 rokov, ke\u010f budete odch\u00e1dza\u0165 do d\u00f4chodku a podobne. Po\u010das tohto \u010dasov\u00e9ho obdobia bud\u00fa va\u0161e peniaze \u201cpracova\u0165\u201d. \u010c\u00edm dlh\u0161ie investujete, t\u00fdm vy\u0161\u0161\u00ed v\u00fdnos m\u00f4\u017eete z\u00edska\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">4. Z\u00e1rove\u0148 zv\u00e1\u017ete, ko\u013eko pe\u0148az\u00ed si dok\u00e1\u017eete odklada\u0165.<\/span> Malo by to by\u0165<\/span> najmenej 10 % z v\u00e1\u0161ho pr\u00edjmu<span style=\"font-weight: 400;\">. Na za\u010diatku sta\u010d\u00ed aj nieko\u013eko desiatok eur mesa\u010dne &#8211; investova\u0165 napr. do ETF fondov alebo do zlata sa d\u00e1 u\u017e <a href=\"https:\/\/www.fingo.sk\/investovanie\/investicne-zlato\">od 25 eur mesa\u010dne<\/a>. Samozrejme, \u010d\u00edm viac pe\u0148az\u00ed budete investova\u0165, t\u00fdm vy\u0161\u0161ie zhodnotenie m\u00f4\u017eete vo fin\u00e1le o\u010dak\u00e1va\u0165.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP:<\/span> <span style=\"font-weight: 400;\">Pri investovan\u00ed je jedno, ak\u00fd m\u00e1te pr\u00edjem \u2013 d\u00e1 sa investova\u0165 u\u017e aj od 25 eur mesa\u010dne. Teda ani minim\u00e1lna \u010di priemern\u00e1 mzda v\u00e1s od investovania nemusia odradi\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">5. Pred rozhodnut\u00edm kam vlo\u017ei\u0165 svoje peniaze, sa ur\u010dite <\/span><\/span><span style=\"color: #ec8124;\">pora\u010fte so svojim finan\u010dn\u00fdm sprostredkovate\u013eom<\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">. <\/span>Ten v\u00e1m aj na z\u00e1klade svojich dlhoro\u010dn\u00fdch sk\u00fasenost\u00ed s in\u00fdmi klientmi m\u00f4\u017ee poradi\u0165, na \u010do pri investovan\u00ed d\u00e1va\u0165 pozor. M\u00e1 v ponuke viac mo\u017enost\u00ed a nie je n\u00faten\u00fd pretl\u00e1\u010da\u0165 len jeden produkt.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><span style=\"color: #ec8124;\">6. <\/span>Ke\u010f\u017ee finan\u010dn\u00e9 trhy funguj\u00fa v ur\u010dit\u00fdch cykloch, je dobr\u00e9 ak investovan\u00e9 peniaze rozdel\u00edte, \u010di\u017ee diverzifikujete. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color\">Za\u010d\u00ednaj\u00faci investor m\u00f4\u017ee vyu\u017ei\u0165 aspo\u0148 z\u00e1kladn\u00fa diverzifik\u00e1ciu do dvoch rozdielnych investi\u010dn\u00fdch rie\u0161en\u00ed, nesk\u00f4r aj s vy\u0161\u0161ou sumou sporenia ich m\u00f4\u017eete ma\u0165 pokojne viac.<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><b>Aby va\u0161e peniaze zar\u00e1bali, pora\u010fte sa s odborn\u00edkom&nbsp;<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Nenech\u00e1vajte svoje \u00faspory le\u017ea\u0165 bez pov\u0161imnutia, ale nechajte ich zar\u00e1ba\u0165! Vo vyspel\u00fdch krajin\u00e1ch je be\u017en\u00e9, \u017ee sa o rodinn\u00fd rozpo\u010det star\u00e1 <a href=\"https:\/\/www.fingo.sk\/kontakty\">finan\u010dn\u00fd sprostredkovate\u013e<\/a>, ktor\u00fd vie usmerni\u0165 \u010dlenov rodiny aj v ich sporen\u00ed a investovan\u00ed. Tak, aby im nez\u00e1visle uk\u00e1zal viac mo\u017enost\u00ed a dom\u00e1cnos\u0165 sa nespoliehala len na jednu in\u0161tit\u00faciu.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">S v\u00fdberom vhodn\u00fdch produktov v\u00e1m, na z\u00e1klade vami stanoven\u00fdch cie\u013eov, radi pom\u00f4\u017eu na\u0161i investi\u010dn\u00ed \u0161pecialisti z FinGO.sk.&nbsp;<\/span><span style=\"font-weight: 400;\">Na investovanie nikdy nie je skoro ani neskoro. M\u00f4\u017eete za\u010da\u0165 kedyko\u013evek a myslite na to, \u017ee \u010d\u00edm dlh\u0161ie nech\u00e1te va\u0161e peniaze pracova\u0165, t\u00fdm zauj\u00edmavej\u0161ie v\u00fdnosy dostanete.<\/span><\/p>\n\n\n\n<p class=\"has-black-color has-text-color\"><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <a href=\"tel:0800601060\">0800 60 10 60<\/a>&nbsp;alebo n\u00e1m zanechajte svoje \u00fadaje a na\u0161e call centrum v\u00e1s \u010doskoro spoj\u00ed s odborn\u00edkom vo va\u0161om okol\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>\u010ci u\u017e je infl\u00e1cia vysok\u00e1 alebo n\u00edzka, na\u0161e peniaze kv\u00f4li nej str\u00e1caj\u00fa na hodnote.&nbsp;Je preto smutn\u00e9, ke\u010f \u013eudia nech\u00e1vaj\u00fa odpo\u010d\u00edva\u0165 svoje \u00faspory len na \u00fa\u010dtoch v bank\u00e1ch namiesto toho, aby ich investovali a efekt\u00edvne zhodnotili. Ako investova\u0165, ak s t\u00fdm zatia\u013e nem\u00e1te sk\u00fasenosti? Porad\u00edme v\u00e1m. V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp; Ako va\u0161e peniaze ohrozuje infl\u00e1cia Pod\u013ea N\u00e1rodnej banky Slovenska maj\u00fa na\u0161inci neuverite\u013en\u00fdch viac ako 50 mili\u00e1rd eur na \u00fa\u010dtoch v bank\u00e1ch, na ktor\u00fdch je v s\u00fa\u010dasnosti nulov\u00fd, alebo vo v\u00e4\u010d\u0161ine b\u00e1nk len minim\u00e1lny \u00farok. Takto odlo\u017een\u00e9 peniaze s\u00fa s\u00edce v banke v bezpe\u010d\u00ed, ale z\u00e1rove\u0148 sa ich hodnota rokmi znehodnocuje. V roku 2026 \u0161tatistici o\u010dak\u00e1vaj\u00fa, \u017ee priemern\u00e1 infl\u00e1cia na Slovensku dosiahne 4 %. To znamen\u00e1, \u017ee k\u00fapna sila t\u00fdchto 50 mili\u00e1rd klesne na 48 mld. a re\u00e1lne si za ne \u013eudia k\u00fapia menej tovarov a slu\u017eieb. A predstavte si, ak\u00fa hodnotu bud\u00fa ma\u0165 tieto peniaze po tak\u00fdch 10 \u010di 20 rokoch! Preto ak m\u00e1te na be\u017en\u00fdch \u00fa\u010dtoch odlo\u017een\u00fdch ve\u013ea \u00faspor, je najvy\u0161\u0161\u00ed \u010das sa zamyslie\u0165, ako s nimi rozumne nalo\u017ei\u0165. Nesta\u010d\u00ed peniaze len odklada\u0165, ale v\u00fdhodne ich investova\u0165.&nbsp; Rozdiel medzi sporen\u00edm, investovan\u00edm a obchodovan\u00edm Sporenie&nbsp; Investovanie Obchodovanie Druhy invest\u00edci\u00ed pod\u013ea rizika a horizontu Ka\u017ed\u00fd investi\u010dn\u00fd n\u00e1stroj v\u00e1m prinesie zisk, ale ten [&hellip;]<\/p>\n","protected":false},"author":57,"featured_media":5950,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[51,52,46,50,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako investova\u0165 v roku 2026: Rady pre za\u010d\u00ednaj\u00facich investorov<\/title>\n<meta name=\"description\" content=\"Sta\u010d\u00ed v\u00e1m aj 25 eur mesa\u010dne. 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