{"id":3724,"date":"2021-07-28T09:45:48","date_gmt":"2021-07-28T07:45:48","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3724"},"modified":"2021-11-09T14:18:22","modified_gmt":"2021-11-09T13:18:22","slug":"mate-viac-ako-2-tisic-eur-na-beznom-ucte-oberate-sa-o-slusne-zarobky","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/mate-viac-ako-2-tisic-eur-na-beznom-ucte-oberate-sa-o-slusne-zarobky\/","title":{"rendered":"Ma\u0165 viac ako 2-tis\u00edc eur na be\u017enom \u00fa\u010dte je ako nevera. Ka\u017ed\u00e1 sranda nie\u010do stoj\u00ed"},"content":{"rendered":"<p><strong>V\u00e4\u010d\u0161ina Slov\u00e1kov rob\u00ed ve\u013ek\u00fa chybu, ak si v\u00a0s\u00fa\u010dasnosti spor\u00ed na be\u017en\u00fdch \u00fa\u010dtoch. Niektor\u00ed dokonca e\u0161te st\u00e1le dr\u017eia vkladn\u00e9 kni\u017eky alebo na odkladanie prebyto\u010dnej hotovosti vyu\u017e\u00edvaj\u00fa stavebn\u00e9 sporenie \u010di si zalo\u017eia sporiaci \u00fa\u010det v banke. Ako ste na tom vy? Vedeli ste, \u017ee na trhu existuje mno\u017estvo v\u00fdhodnej\u0161\u00edch mo\u017enost\u00ed, <a href=\"https:\/\/www.fingo.sk\/investovanie\">ako zhodnoti\u0165 peniaze<\/a>?<\/strong><\/p>\n<h3><span style=\"color: #ec8124;\"><strong>Sporenie v\u00a0\u010dase n\u00edzkych \u00farokov <\/strong><\/span><\/h3>\n<p>Ak chcete zhodnocova\u0165 svoje <strong>peniaze do bud\u00facnosti<\/strong>, nie je v\u00fdhodn\u00e9 spori\u0165 si na klasick\u00fdch sporiacich \u010di term\u00ednovan\u00fdch \u00fa\u010dtoch a\u00a0\u00faplne najhor\u0161ie je ma\u0165 v\u00e4\u010d\u0161iu sumu na be\u017enom \u00fa\u010dte. Ak toti\u017e aktu\u00e1lne odklad\u00e1te peniaze na be\u017enom \u00fa\u010dte, tak m\u00f4\u017eete r\u00e1ta\u0165 s\u00a0t\u00fdm, \u017ee stratia kv\u00f4li infl\u00e1cii svoju re\u00e1lnu hodnotu. In\u00fdmi slovami, ceny rast\u00fa, a\u00a0o\u00a0nieko\u013eko rokov budete ma\u0165 menej pe\u0148az\u00ed, ako ste vlo\u017eili na za\u010diatku. Preto je potrebn\u00e9 <a href=\"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/\">investova\u0165,<\/a> aby ste <strong>peniaze takto nehanebne nezhnehodnocovali<\/strong> a\u00a0neoberali sa napr\u00edklad o\u00a0lep\u0161iu starobu.<\/p>\n<blockquote><p>Odpor\u00fa\u010da sa, aby ste na be\u017enom \u00fa\u010dte nedr\u017eali viac ako 2-tis\u00edc eur, ale efekt\u00edvnej\u0161ie ich zhodnotili.<\/p><\/blockquote>\n<h3><span style=\"color: #ec8124;\"><strong>V\u00a0bank\u00e1ch dr\u017e\u00edme najv\u00e4\u010d\u0161iu \u010das\u0165 majetku <\/strong><\/span><\/h3>\n<p>Slov\u00e1ci dr\u017eia na be\u017en\u00fdch \u00fa\u010dtoch v bank\u00e1ch zhruba<strong> 70 % svojho majetku.<\/strong> Medziro\u010dne je to nieko\u013ekopercentn\u00fd n\u00e1rast. Ide o 41,94 mili\u00e1rd eur, ktor\u00e9 s\u00fa ka\u017edoro\u010dne <strong>okres\u00e1van\u00e9 infl\u00e1ciou<\/strong>. Celkov\u00fd objem vkladov sa medziro\u010dne zv\u00fd\u0161il o 9,6 %. Pod\u013ea najnov\u0161\u00edch \u00fadajov N\u00e1rodnej banky Slovenska, v marci tohto roka medziro\u010dne r\u00e1stli najm\u00e4 prostriedky na be\u017en\u00fdch \u00fa\u010dtoch, a to a\u017e o 17,7 %. Na be\u017en\u00fdch \u00fa\u010dtoch sme tak k marcu tohto roka dr\u017eali a\u017e <strong>takmer 24 mili\u00e1rd eur<\/strong>.<\/p>\n<p>Naj\u010dastej\u0161\u00edmi d\u00f4vodmi, pre\u010do si Slov\u00e1ci ukladaj\u00fa peniaze do b\u00e1nk, s\u00fa <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">rezervy na ne\u010dakan\u00e9 v\u00fddavky<\/a>, b\u00fdvanie, ale aj zabezpe\u010denie svojich det\u00ed. V nemalej miere si v\u0161ak pravidelne \u0161etria aj na dovolenku. Na be\u017en\u00fdch \u00fa\u010dtoch v\u0161ak maj\u00fa nulov\u00fd, alebo v tejto dobe<strong> len minim\u00e1lny \u00farok<\/strong>. Probl\u00e9mom Slov\u00e1kov na\u010falej ost\u00e1va <strong>vysok\u00e1 zadl\u017eenos\u0165<\/strong>. Slovensko je jedinou krajinou v regi\u00f3ne, ktorej dlhy na osobu prevy\u0161uj\u00fa finan\u010dn\u00fd majetok. Priemern\u00fd dlh Slov\u00e1ka je na \u00farovni 8-tis\u00edc eur.<\/p>\n<h3><strong><span style=\"color: #ec8124;\">Ako je to v zahrani\u010d\u00ed?<\/span><\/strong><\/h3>\n<ul>\n<li>V celom regi\u00f3ne strednej a v\u00fdchodnej Eur\u00f3py tvoria<strong> akcie pribli\u017ene 5 %<\/strong>\u00a0z celkov\u00e9ho \ufb01nan\u010dn\u00e9ho majetku \u013eud\u00ed<\/li>\n<li><strong>Na z\u00e1pade<\/strong> je to a\u017e <strong>\u0161tvrtina<\/strong> celkov\u00fdch \ufb01nan\u010dn\u00fdch akt\u00edv dom\u00e1cnost\u00ed<\/li>\n<li>V deviatich \u010dlensk\u00fdch \u0161t\u00e1toch E\u00da bolo hlavn\u00fdm \ufb01nan\u010dn\u00fdm majetkom dom\u00e1cnost\u00ed <strong>podiel akci\u00ed a investi\u010dn\u00fdch fondov<\/strong><\/li>\n<li>Spomedzi nich bolo <strong>Est\u00f3nsko<\/strong> jedin\u00fdm \u010dlensk\u00fdm \u0161t\u00e1tom, kde tento podiel predstavoval <strong>viac ako 56,7%<\/strong> z celkov\u00fdch \ufb01nan\u010dn\u00fdch \u00a0akt\u00edv dr\u017ean\u00fdch est\u00f3nskymi dom\u00e1cnos\u0165ami<\/li>\n<li>Investovanie do akci\u00ed a investi\u010dn\u00fdch fondov bolo ove\u013ea ni\u017e\u0161ia <strong>v \u00cdrsku, Holandsku a Spojenom kr\u00e1\u013eovstve<\/strong>, kde tento n\u00e1stroj \u00a0predstavoval 12,7% a\u017e 14% z akt\u00edv dom\u00e1cnost\u00ed<\/li>\n<li>Finan\u010dne gramotnej\u0161ie s\u00fa hlavne <strong>dom\u00e1cnosti s vy\u0161\u0161\u00edm vzdelan\u00edm,<\/strong> s \u00faverom na b\u00fdvanie a s vy\u0161\u0161\u00edm podielom \ufb01nan\u010dn\u00fdch akt\u00edv<\/li>\n<\/ul>\n<h3><span style=\"color: #ec8124;\"><strong>Do akci\u00ed pr\u00edli\u0161 neinvestujeme <\/strong><\/span><\/h3>\n<p>Ak sa pozrieme na \u0161tatistiky z\u00a0minul\u00e9ho roka, zhruba <strong>tretina Slov\u00e1kov<\/strong> m\u00e1 majetok <strong>v akci\u00e1ch<\/strong>, dlhopisoch \u010di <a href=\"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/\">podielov\u00fdch fondoch<\/a>. Celkovo s\u00fa v\u0161ak nielen Slov\u00e1ci, ale celkovo aj Eur\u00f3pania <strong>konzervat\u00edvni<\/strong> a svoje \u00faspory rad\u0161ej zveruj\u00fa bank\u00e1m ne\u017e kapit\u00e1lov\u00fdm trhom. Akcie predstavuj\u00fa len do jedn\u00e9ho percenta z hodnoty majetku Slov\u00e1kov.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-3506\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS.jpg\" alt=\"v\u00fdnosy fondov graf\" width=\"500\" height=\"325\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS.jpg 1755w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS-300x195.jpg 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS-768x498.jpg 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS-1024x665.jpg 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/05\/DSS-1080x701.jpg 1080w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>V celom regi\u00f3ne strednej a v\u00fdchodnej Eur\u00f3py tento typ akt\u00edv tvor\u00ed <strong>pribli\u017ene 5 percent<\/strong> a na z\u00e1pade je to a\u017e \u0161tvrtina celkov\u00fdch finan\u010dn\u00fdch akt\u00edv dom\u00e1cnost\u00ed. Trend dr\u017eania finan\u010dn\u00fdch akt\u00edv v bank\u00e1ch sa ukazuje naprie\u010d eur\u00f3pskymi krajinami. Zmenu priniesla aj finan\u010dn\u00e1 kr\u00edza v roku 2008, kedy \u013eudia pres\u00favali peniaze do podielov\u00fdch a d\u00f4chodkov\u00fdch fondov, teda do <strong>tzv. bezpe\u010dn\u00fdch pr\u00edstavov<\/strong>.<\/p>\n<blockquote><p>Poradi\u0165 sa zadarmo o investovan\u00ed sa m\u00f4\u017eete s na\u0161imi finan\u010dn\u00fdmi odborn\u00edkmi aj online. Chcete vedie\u0165 ako si vybra\u0165 vhodn\u00fa formu investovania, ak\u00fd v\u00fdnos m\u00f4\u017eete o\u010dak\u00e1va\u0165 a ako rozlo\u017ei\u0165 pr\u00edpadn\u00e9 riziko? <a href=\"https:\/\/www.fingo.sk\/kontakty\">Nap\u00ed\u0161te n\u00e1m svoju ot\u00e1zku<\/a> a my sa V\u00e1m ozveme u\u017e o p\u00e1r hod\u00edn.<\/p><\/blockquote>\n<h3><span style=\"color: #ec8124;\"><strong>Kde je pr\u00ed\u010dina? <\/strong><\/span><\/h3>\n<p>A\u017e dve tretiny Slov\u00e1kov by chcelo investova\u0165, av\u0161ak nem\u00e1 vedomosti o pon\u00fakan\u00fdch mo\u017enostiach. Pod\u013ea na\u0161ich prieskumov \u013eudia na investovanie nemaj\u00fa v prvom rade <strong>odborn\u00e9 vedomosti<\/strong>, podporu \u010di \ufb01nan\u010dn\u00e9ho sprostredkovate\u013ea. Bez pomoci vidia v investovan\u00ed viac riz\u00edk ako v\u00fdhod. Sk\u00fasenosti s investovan\u00edm maj\u00fa predov\u0161etk\u00fdm cez r\u00f4zne formy sporenia. Tak\u00fdmto sp\u00f4sobom vedia u\u0161etri\u0165 pribli\u017ene 100 eur mesa\u010dne.<\/p>\n<blockquote><p>Vo v\u00e4\u010d\u0161ine s\u00fa Slov\u00e1ci pri investovan\u00ed ve\u013emi konzervat\u00edvni. Uprednost\u0148uj\u00fa bezpe\u010dnos\u0165 invest\u00edci\u00ed pred v\u00fdnosom.<\/p><\/blockquote>\n<p>Tak\u00edto klienti investuj\u00fa sk\u00f4r do konzervat\u00edvnych fondov, resp. r\u00f4znych bankov\u00fdch produktov. Zria\u010fuj\u00fa si\u00a0 term\u00ednovan\u00e9 vklady alebo sporenia k \u00fa\u010dtom,\u00a0 kde s\u00fa ich prostriedky chr\u00e1nen\u00e9 Fondom na ochranu vkladov, ale maj\u00fa<strong> takmer nulov\u00fd v\u00fdnos.<\/strong> Asi tretinu \u013eud\u00ed, ktor\u00ed investuj\u00fa, m\u00f4\u017eeme nazva\u0165 <strong>vyv\u00e1\u017een\u00fdmi investormi<\/strong>. S\u00fa ochotn\u00ed podst\u00fapi\u0165 men\u0161ie riziko. S\u00edce investuj\u00fa v\u00e4\u010d\u0161iu\u00a0 \u010das\u0165 pe\u0148az\u00ed do konzervat\u00edvnych fondov, ale h\u013eadaj\u00fa mo\u017enosti pre kombinovan\u00e9 investovanie. Napr\u00edklad investovan\u00edm do ETF fondov alebo <a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\">do zlata.<\/a><\/p>\n<h3><span style=\"color: #ec8124;\"><strong>Ako teda nar\u00e1ba\u0165 s\u00a0peniazmi, aby sme ich zhodnocovali? <\/strong><\/span><\/h3>\n<p>Najlep\u0161ie je, aby sa <a href=\"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/\">investovalo na pravidelnej b\u00e1ze<\/a>, napr\u00edklad ka\u017ed\u00fd mesiac alebo ka\u017ed\u00fd kvart\u00e1l. Z dlhodob\u00e9ho h\u013eadiska sa toti\u017e cena, za ktor\u00fa nakupujeme podielov\u00e9 jednotky vo fonde, vypriemeruje.\u00a0 Ak napr\u00edklad tento mesiac investujem 100 eur, tak za to m\u00f4\u017eem k\u00fapi\u0165 20 podielov\u00fdch jednotiek vo fonde, lebo jedna <strong>m\u00e1 hodnotu 5 eur<\/strong>. Ale o pol roka u\u017e za t\u00fdch ist\u00fdch 100 eur m\u00f4\u017eem nak\u00fapi\u0165 a\u017e 100 podielov\u00fdch jednotiek vo fonde. A pr\u00e1ve toto sa stalo ke\u010f nastala kr\u00edza, resp. ke\u010f sa prepadli trhy o takmer tridsa\u0165 percent.<\/p>\n<p>\u013dudia v podstate za t\u00fdch ist\u00fdch svojich <strong>100 eur nak\u00fapili nieko\u013ekon\u00e1sobne viac<\/strong> podielov\u00fdch jednotiek, a ke\u010f sa nesk\u00f4r trh pomali\u010dky spam\u00e4t\u00e1val, tak u\u017e pomali\u010dky na tom zar\u00e1baj\u00fa.<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" class=\"alignnone wp-image-4272 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/gif_investicie.gif\" alt=\"Fingo.sk investovanie kalkula\u010dka\" width=\"1350\" height=\"905\" \/><\/a><\/p>\n<h3><span style=\"color: #ec8124;\"><strong>Prvorad\u00e9 s\u00fa va\u0161e ciele<\/strong><\/span><\/h3>\n<p>Je d\u00f4le\u017eit\u00e9 si stanovi\u0165, na\u010do konkr\u00e9tne budete peniaze potrebova\u0165. M\u00f4\u017ee \u00eds\u0165 o bud\u00face <a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\"><strong>dofinancovanie hypot\u00e9ky<\/strong>,<\/a> \u0161t\u00fadium pre die\u0165a, alebo je va\u0161im cie\u013eom lep\u0161\u00ed d\u00f4chodok. Ak m\u00e1te cie\u013e, je ove\u013ea jednoduch\u0161ie si nastavi\u0165 celkov\u00fa investi\u010dn\u00fa \u010di sporiacu strat\u00e9giu. Na z\u00e1klade tohto si viete aj stanovi\u0165<strong> cie\u013eov\u00fa sumu investovania,<\/strong> \u010di\u017ee ko\u013eko pe\u0148az\u00ed by ste si chceli naspori\u0165 a na konci sporenia, resp. investovania 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.<\/p>\n<p>Tie\u017e je d\u00f4le\u017eit\u00e9 ur\u010di\u0165 <strong>investi\u010dn\u00fd horizont<\/strong>, teda \u010dasov\u00e9 obdobie, kedy peniaze budete potrebova\u0165. Zvy\u010dajne pri investovan\u00ed hovor\u00edme o obdob\u00ed 5 a viac rokov. Plat\u00ed pravidlo, \u017ee \u010d\u00edm dlh\u0161ie investujete, t\u00fdm vy\u0161\u0161\u00ed v\u00fdnos m\u00f4\u017eete z\u00edska\u0165.<\/p>\n<h3><span style=\"color: #ec8124;\"><strong>Hlavn\u00fdm argumentom Slov\u00e1kov, pre\u010do ne\u0161etria a n\u00e1sledne neinvestuj\u00fa je, \u017ee nemaj\u00fa z\u00a0\u010doho&#8230;<\/strong><\/span><\/h3>\n<p>Pod\u013ea \u0161tatist\u00edk Eur\u00f3pskeho \u0161tatistick\u00e9ho \u00faradu Eurostat mesa\u010dne m\u00ed\u0148ame na zbyto\u010dnosti v priemere 65 eur. Investova\u0165 <strong>do ETF fondov \u010di zlata m\u00f4\u017eete od 25 eur mesa\u010dne<\/strong>, tak\u017ee to, \u010do miniete za \u0161aty, ktor\u00e9 nepotrebujete, m\u00f4\u017eete investova\u0165 do svojej bud\u00facnosti. Podliehame impulz\u00edvnym n\u00e1kupom a nakupujeme aj to, \u010do n\u00e1m netreba. Pritom zab\u00fadame na \u0161etrenie a v pr\u00edpade ne\u010dakan\u00fdch finan\u010dn\u00fdch v\u00fddavkov ako je oprava pr\u00e1\u010dky \u010di auta nem\u00e1me vytvoren\u00fa dostato\u010dn\u00fa rezervu.<\/p>\n<p>Len v potravin\u00e1ch minieme ro\u010dne na v\u00fdrobky <strong>mimo n\u00e1kupn\u00e9ho zoznamu<\/strong> pribli\u017ene <strong>2300 eur<\/strong>. Ide \u010dastokr\u00e1t o potraviny, ktor\u00e9 nestihneme skonzumova\u0165 do konca ich spotreby a vyhadzujeme ich potom zbyto\u010dne. A\u017e 40 % z\u00a0toho, \u010do nak\u00fapime, vyhod\u00edme. Ak by ste viac obmedzili bezhlav\u00e9 m\u00ed\u0148anie a presunuli peniaze napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/blog\/oplati-sa-teraz-investovat-vacsiu-sumu-ci-radsej-v-mensom\/\">do ETF fondov, <\/a>o p\u00e1r rokov by ste z toho profitovali.<\/p>\n<h3><span style=\"color: #ec8124;\">ETF fondy<\/span><\/h3>\n<ul>\n<li><strong>N\u00e1klady<\/strong> na spr\u00e1vu a riadenie ETF sa dnes <strong>pribli\u017euj\u00fa nule<\/strong><\/li>\n<li><strong>Najlacnej\u0161ie ETF<\/strong> \u00fa\u010dtuj\u00fa poplatok za spr\u00e1vu a riadenie majetku <strong>do 0,1 % ro\u010dne<\/strong><\/li>\n<li><strong>Poplatky<\/strong> za riadenie a spr\u00e1vu <strong>podielov\u00fdch fondov<\/strong> sa spravidla pohybuj\u00fa medzi <strong>0,5 % a\u017e 3 % ro\u010dne<\/strong><\/li>\n<li><strong>Priemer<\/strong> najpred\u00e1vanej\u0161\u00edch akciov\u00fdch fondov na Slovensku je okolo <strong>2,3 % ro\u010dne<\/strong><\/li>\n<li><strong>ETF nemaj\u00fa<\/strong> vstupn\u00e9 a v\u00fdstupn\u00e9 poplatky<\/li>\n<li>Vstupn\u00e9 poplatky <strong>podielov\u00fdch fondov<\/strong> sa pohybuj\u00fa <strong>od 1 % do 5 %<\/strong> z v\u00fd\u0161ky invest\u00edcie<\/li>\n<\/ul>\n<p><span style=\"color: #ec8124;\"><strong>TIP:<\/strong> <\/span>Pora\u010fte sa oh\u013eadom investovania s na\u0161imi investi\u010dn\u00fdmi \u0161pecialistami z FinGO.sk. M\u00f4\u017eete n\u00e1m zavola\u0165 na\u00a0<span style=\"color: #ec8124;\"><strong><a style=\"color: #ec8124;\" href=\"tel:0800601060\">0800 60 10 60\u00a0<\/a><\/strong><\/span>alebo n\u00e1m zanechajte\u00a0va\u0161e <span style=\"color: #ec8124;\"><strong>kontaktn\u00e9 \u00fadaje<\/strong><\/span>\u00a0vo formul\u00e1ri ni\u017e\u0161ie a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm makl\u00e9rom vo va\u0161om okol\u00ed.<\/p>\n\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\/3724#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\n","protected":false},"excerpt":{"rendered":"<p>V\u00e4\u010d\u0161ina Slov\u00e1kov rob\u00ed ve\u013ek\u00fa chybu, ak si v\u00a0s\u00fa\u010dasnosti spor\u00ed na be\u017en\u00fdch \u00fa\u010dtoch. Niektor\u00ed dokonca e\u0161te st\u00e1le dr\u017eia vkladn\u00e9 kni\u017eky alebo na odkladanie prebyto\u010dnej hotovosti vyu\u017e\u00edvaj\u00fa stavebn\u00e9 sporenie \u010di si zalo\u017eia sporiaci \u00fa\u010det v banke. Ako ste na tom vy? Vedeli ste, \u017ee na trhu existuje mno\u017estvo v\u00fdhodnej\u0161\u00edch mo\u017enost\u00ed, ako zhodnoti\u0165 peniaze? Sporenie v\u00a0\u010dase n\u00edzkych \u00farokov Ak chcete zhodnocova\u0165 svoje peniaze do bud\u00facnosti, nie je v\u00fdhodn\u00e9 spori\u0165 si na klasick\u00fdch sporiacich \u010di term\u00ednovan\u00fdch \u00fa\u010dtoch a\u00a0\u00faplne najhor\u0161ie je ma\u0165 v\u00e4\u010d\u0161iu sumu na be\u017enom \u00fa\u010dte. Ak toti\u017e aktu\u00e1lne odklad\u00e1te peniaze na be\u017enom \u00fa\u010dte, tak m\u00f4\u017eete r\u00e1ta\u0165 s\u00a0t\u00fdm, \u017ee stratia kv\u00f4li infl\u00e1cii svoju re\u00e1lnu hodnotu. In\u00fdmi slovami, ceny rast\u00fa, a\u00a0o\u00a0nieko\u013eko rokov budete ma\u0165 menej pe\u0148az\u00ed, ako ste vlo\u017eili na za\u010diatku. Preto je potrebn\u00e9 investova\u0165, aby ste peniaze takto nehanebne nezhnehodnocovali a\u00a0neoberali sa napr\u00edklad o\u00a0lep\u0161iu starobu. Odpor\u00fa\u010da sa, aby ste na be\u017enom \u00fa\u010dte nedr\u017eali viac ako 2-tis\u00edc eur, ale efekt\u00edvnej\u0161ie ich zhodnotili. V\u00a0bank\u00e1ch dr\u017e\u00edme najv\u00e4\u010d\u0161iu \u010das\u0165 majetku Slov\u00e1ci dr\u017eia na be\u017en\u00fdch \u00fa\u010dtoch v bank\u00e1ch zhruba 70 % svojho majetku. Medziro\u010dne je to nieko\u013ekopercentn\u00fd n\u00e1rast. Ide o 41,94 mili\u00e1rd eur, ktor\u00e9 s\u00fa ka\u017edoro\u010dne okres\u00e1van\u00e9 infl\u00e1ciou. Celkov\u00fd objem vkladov sa medziro\u010dne zv\u00fd\u0161il o 9,6 %. Pod\u013ea najnov\u0161\u00edch \u00fadajov N\u00e1rodnej banky Slovenska, v marci tohto roka medziro\u010dne r\u00e1stli [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":3899,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73],"tags":[47,48,51,52,211],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ma\u0165 viac ako 2-tis\u00edc eur na be\u017enom \u00fa\u010dte je ako nevera. Ka\u017ed\u00e1 sranda nie\u010do stoj\u00ed - FinGO.sk<\/title>\n<meta name=\"description\" content=\"V\u00e4\u010d\u0161ina Slov\u00e1kov rob\u00ed ve\u013ek\u00fa chybu, ak si v\u00a0s\u00fa\u010dasnosti spor\u00ed na be\u017en\u00fdch \u00fa\u010dtoch. 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