{"id":3992,"date":"2021-09-10T10:22:04","date_gmt":"2021-09-10T08:22:04","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3992"},"modified":"2021-11-09T15:49:19","modified_gmt":"2021-11-09T14:49:19","slug":"mate-este-vkladnu-knizku-ci-terminovany-vklad-zbavte-sa-ich-zbytocne-stracate-peniaze","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/mate-este-vkladnu-knizku-ci-terminovany-vklad-zbavte-sa-ich-zbytocne-stracate-peniaze\/","title":{"rendered":"M\u00e1te e\u0161te vkladn\u00fa kni\u017eku \u010di term\u00ednovan\u00fd vklad? Zbavte sa ich, zbyto\u010dne str\u00e1cate peniaze"},"content":{"rendered":"\n<p><b>M\u00e1te doma e\u0161te star\u00fa vkladn\u00fa kni\u017eku? Mo\u017eno v\u00e1m na nej sporia va\u0161i rodi\u010dia a vy o tom ani neviete\u2026 Tis\u00edcky Slov\u00e1kov e\u0161te st\u00e1le vyu\u017e\u00edvaj\u00fa \u201cprehistorick\u00e9\u201d bankov\u00e9 sporiace produkty, hoci ich v\u00fdhodnosti u\u017e d\u00e1vno odzvonilo. E\u0161te hor\u0161ie je, \u017ee ich peniaze takto zbyto\u010dne po\u017eiera infl\u00e1cia. Ako zru\u0161i\u0165 star\u00fa vkladn\u00fa kni\u017eku a kde zhodnocova\u0165 peniaze efekt\u00edvne?\u00a0<\/b><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Va\u0161e peniaze po\u017eiera infl\u00e1cia\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Najv\u00e4\u010d\u0161ou finan\u010dnou chybou je, ak v\u0161etky va\u0161e peniaze vr\u00e1tane v\u00e4\u010d\u0161\u00edch \u00faspor nech\u00e1vate le\u017ea\u0165 len na va\u0161om <strong>be\u017enom \u010di sporiacom <a href=\"https:\/\/www.fingo.sk\/blog\/mate-viac-ako-2-tisic-eur-na-beznom-ucte-oberate-sa-o-slusne-zarobky\/\">bankovom \u00fa\u010dte<\/a><\/strong>, alebo na spom\u00ednanej <strong>vkladnej kni\u017eke a term\u00ednovanom vklade<\/strong>. <\/span><\/p>\n<p>\u201e<i><span style=\"font-weight: 400;\">Tieto finan\u010dn\u00e9 produkty u\u017e nieko\u013eko rokov nezhodnocuj\u00fa peniaze tak, aby prekab\u00e1tili aspo\u0148 infl\u00e1ciu, ktor\u00e1 vyjadruje mieru zdra\u017eovania tovarov a slu\u017eieb a aktu\u00e1lne sa \u0161plh\u00e1 k rekordn\u00fdm 4 %. Peniaze ulo\u017een\u00e9 na bankov\u00fdch produktoch s minim\u00e1lnym a\u017e nulov\u00fdmi \u00faro\u010den\u00edm infl\u00e1cia doslova \u201cpo\u017eiera\u201d, str\u00e1caj\u00fa k\u00fapnu silu a po rokoch si za ne k\u00fapite menej. Preto treba star\u00fa vkladn\u00fa kni\u017eku alebo term\u00ednovan\u00fd vklad zru\u0161i\u0165, peniaze vybra\u0165 a <a href=\"https:\/\/www.fingo.sk\/investovanie\">vhodne ich investova\u0165<\/a>,\u201d <\/span><\/i><span style=\"font-weight: 400;\">opisuje<\/span><span style=\"font-weight: 400;\"> investi\u010dn\u00fd analytik Franti\u0161ek Burda z FinGO.sk.<\/span><\/p>\n<p><b><span style=\"color: #ec8124;\">PR\u00cdKLAD:<\/span> <\/b><span style=\"font-weight: 400;\">Pokia\u013e ste mali napr\u00edklad za posledn\u00fdch 5 rokov ulo\u017een\u00fdch na vkladnej kni\u017eke <strong>1000 eur<\/strong>, tak ka\u017ed\u00fd rok stratili na hodnote a m\u00f4\u017eeme poveda\u0165, \u017ee si za nich k\u00fapite ove\u013ea menej. Po odpo\u010d\u00edtan\u00ed infl\u00e1cie za 5-ro\u010dn\u00e9 obdobie toti\u017e maj\u00fa tieto peniaze re\u00e1lnu hodnotu len <strong>883 eur<\/strong>. Celkov\u00e1 infl\u00e1cia za posledn\u00fdch 5 rokov bola vo v\u00fd\u0161ke 12,2 %.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong><span style=\"color: #ec8124;\">TIP:<\/span> <\/strong>V tomto \u010dl\u00e1nku ni\u017e\u0161ie sa do\u010d\u00edtate aj to, kam sa v s\u00fa\u010dasnosti oplat\u00ed investova\u0165 vy\u0161\u0161ie sumy pe\u0148az\u00ed.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ako postupova\u0165 pri zru\u0161en\u00ed vkladnej kni\u017eky \u010di in\u00fdch star\u0161\u00edch a dnes u\u017e nev\u00fdhodn\u00fdch sporiacich produktov v rozhovore pre <\/span><b>TV Pravda<\/b><span style=\"font-weight: 400;\"> odpoved\u00e1 <\/span><b>Franti\u0161ek Burda, investi\u010dn\u00fd analytik FinGO.sk.<\/b><\/p>\n<p><iframe src=\"https:\/\/media.tv.pravda.sk\/embed\/1WLs5xgi6wq?autoplay=1\" width=\"640\" height=\"360\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Kam s peniazmi z vkladnej kni\u017eky?\u00a0<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Vhodn\u00e9 investi\u010dn\u00e9 rie\u0161enia na ulo\u017eenie vy\u0161\u0161\u00edch obnosov pe\u0148az\u00ed z\u00e1visia hlavne od toho, \u010di chcete ma\u0165 va\u0161e peniaze <strong>poruke<\/strong> alebo ich budete potrebova\u0165 <strong>o 5 rokov<\/strong>, pr\u00edpadne a\u017e <strong>o 20 rokov<\/strong>. Ide o tzv.<a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\"> investi\u010dn\u00fd horizont<\/a> pri investovan\u00ed. \u201e<\/span><i><span style=\"font-weight: 400;\">Dne\u0161n\u00e1 doba pon\u00faka naozaj mno\u017estvo pr\u00edle\u017eitost\u00ed, ako m\u00f4\u017eete peniaze \u010falej zhodnoti\u0165. Na slovenskom trhu n\u00e1jdete produkty od konzervat\u00edvnej\u0161\u00edch s v\u00fdnosom okolo 3 % a\u017e po rizikovej\u0161ie, ktor\u00e9 dosahuj\u00fa 6 alebo aj viacpercentn\u00e9 v\u00fdnosy,\u201d<\/span><\/i><span style=\"font-weight: 400;\"> rad\u00ed Franti\u0161ek Burda.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Infl\u00e1ciu vie prekona\u0165 akciov\u00fd trh a aktu\u00e1lne m\u00f4\u017eete na Slovensku investova\u0165 aj do <a href=\"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/\"><strong>indexov\u00fdch fondov (ETF)<\/strong><\/a>. Ide o pas\u00edvne investovanie s efekt\u00edvnej\u0161ou spr\u00e1vou portf\u00f3lia, na ktorom v\u010faka viacer\u00fdm v\u00fdhod\u00e1m oproti in\u00fdm form\u00e1m investovania<strong> m\u00f4\u017eete z\u00edska\u0165 viac.<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dlhodobo nestr\u00e1caj\u00fa hodnotu aj peniaze ulo\u017een\u00e9 <a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\">v investi\u010dnom zlate<\/a> &#8211; napr\u00edklad <strong>v zlat\u00fdch minciach<\/strong> \u010di tehli\u010dk\u00e1ch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">E\u0161te lep\u0161ie urob\u00edte, ak va\u0161e prostriedky <strong>diverzifikujete,<\/strong> teda rozdel\u00edte do viacer\u00fdch investi\u010dn\u00fdch n\u00e1strojov.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>\u010eal\u0161ie u\u017eito\u010dn\u00e9 rady,<\/strong> kam sa oplat\u00ed investova\u0165 vy\u0161\u0161iu sumu pe\u0148az\u00ed, n\u00e1jdete aj v na\u0161om <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/poradime-vam-kam-investovat-5000-eur\/\"><span style=\"font-weight: 400;\">star\u0161om blogu. <\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>Prv\u00fd krok? Oslovte sk\u00fasen\u00e9ho odborn\u00edka<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pokia\u013e by ste s peniazmi z vkladnej kni\u017eky ostali len <strong>v banke<\/strong>, dostanete tam ponuku investovania len do fondov, ktor\u00e9 banka pon\u00faka. Va\u0161e mo\u017enosti tak bud\u00fa <strong>obmedzen\u00e9.\u00a0<\/strong><\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201eAk sa rozhodne poradi\u0165 so sk\u00fasen\u00fdm finan\u010dn\u00fdm sprostredkovate\u013eom, ten v\u00e1m m\u00f4\u017ee predostrie\u0165 ove\u013ea<\/span><\/i> <i><span style=\"font-weight: 400;\">\u0161ir\u0161iu paletu <\/span><\/i><a href=\"https:\/\/www.fingo.sk\/investovanie\"><i><span style=\"font-weight: 400;\">investi\u010dn\u00fdch produktov<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. Takto bude v\u00e1\u0161 rozh\u013ead ove\u013ea \u0161ir\u0161\u00ed a m\u00f4\u017eete si vybra\u0165 t\u00fa najefekt\u00edvnej\u0161iu mo\u017enos\u0165 investovania,\u201d<\/span><\/i><span style=\"font-weight: 400;\"> dod\u00e1va odborn\u00edk.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/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=\"aligncenter 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<p><b><span style=\"color: #ec8124;\">TIP:<\/span> <\/b><span style=\"font-weight: 400;\">Fundovan\u00ed finan\u010dn\u00ed sprostredkovatelia<a href=\"https:\/\/www.fingo.sk\/kontakty\"> z FinGO.sk<\/a> v\u00e1m dok\u00e1\u017eu ve\u013emi r\u00fdchlo porovna\u0165 podmienky, zhodnotenie a poplatky vo viacer\u00fdch investi\u010dn\u00fdch spolo\u010dnostiach.\u00a0<\/span><\/p>\n<p>Zavolajte n\u00e1m na\u00a0<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a>\u00a0alebo n\u00e1m zanechajte <strong>kontakt vo formul\u00e1ri ni\u017e\u0161ie<\/strong> a my sa v\u00e1m ozveme.<\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ec8124;\"><span style=\"color: #333333;\">\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\/3992#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<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u00e1te doma e\u0161te star\u00fa vkladn\u00fa kni\u017eku? Mo\u017eno v\u00e1m na nej sporia va\u0161i rodi\u010dia a vy o tom ani neviete\u2026 Tis\u00edcky Slov\u00e1kov e\u0161te st\u00e1le vyu\u017e\u00edvaj\u00fa \u201cprehistorick\u00e9\u201d bankov\u00e9 sporiace produkty, hoci ich v\u00fdhodnosti u\u017e d\u00e1vno odzvonilo. E\u0161te hor\u0161ie je, \u017ee ich peniaze takto zbyto\u010dne po\u017eiera infl\u00e1cia. Ako zru\u0161i\u0165 star\u00fa vkladn\u00fa kni\u017eku a kde zhodnocova\u0165 peniaze efekt\u00edvne?\u00a0 Va\u0161e peniaze po\u017eiera infl\u00e1cia\u00a0 Najv\u00e4\u010d\u0161ou finan\u010dnou chybou je, ak v\u0161etky va\u0161e peniaze vr\u00e1tane v\u00e4\u010d\u0161\u00edch \u00faspor nech\u00e1vate le\u017ea\u0165 len na va\u0161om be\u017enom \u010di sporiacom bankovom \u00fa\u010dte, alebo na spom\u00ednanej vkladnej kni\u017eke a term\u00ednovanom vklade. \u201eTieto finan\u010dn\u00e9 produkty u\u017e nieko\u013eko rokov nezhodnocuj\u00fa peniaze tak, aby prekab\u00e1tili aspo\u0148 infl\u00e1ciu, ktor\u00e1 vyjadruje mieru zdra\u017eovania tovarov a slu\u017eieb a aktu\u00e1lne sa \u0161plh\u00e1 k rekordn\u00fdm 4 %. Peniaze ulo\u017een\u00e9 na bankov\u00fdch produktoch s minim\u00e1lnym a\u017e nulov\u00fdmi \u00faro\u010den\u00edm infl\u00e1cia doslova \u201cpo\u017eiera\u201d, str\u00e1caj\u00fa k\u00fapnu silu a po rokoch si za ne k\u00fapite menej. Preto treba star\u00fa vkladn\u00fa kni\u017eku alebo term\u00ednovan\u00fd vklad zru\u0161i\u0165, peniaze vybra\u0165 a vhodne ich investova\u0165,\u201d opisuje investi\u010dn\u00fd analytik Franti\u0161ek Burda z FinGO.sk. PR\u00cdKLAD: Pokia\u013e ste mali napr\u00edklad za posledn\u00fdch 5 rokov ulo\u017een\u00fdch na vkladnej kni\u017eke 1000 eur, tak ka\u017ed\u00fd rok stratili na hodnote a m\u00f4\u017eeme poveda\u0165, \u017ee si za nich k\u00fapite ove\u013ea menej. Po odpo\u010d\u00edtan\u00ed infl\u00e1cie za 5-ro\u010dn\u00e9 obdobie toti\u017e maj\u00fa [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":3997,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>M\u00e1te e\u0161te vkladn\u00fa kni\u017eku \u010di term\u00ednovan\u00fd vklad? Zbavte sa ich, zbyto\u010dne str\u00e1cate peniaze - FinGO.sk<\/title>\n<meta name=\"description\" content=\"M\u00e1te doma star\u00fa vkladn\u00fa kni\u017eku? Tis\u00edcky Slov\u00e1kov e\u0161te st\u00e1le vyu\u017e\u00edvaj\u00fa \u201cprehistorick\u00e9&quot; produkty, hoci ich v\u00fdhodnosti u\u017e d\u00e1vno odzvonilo.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/mate-este-vkladnu-knizku-ci-terminovany-vklad-zbavte-sa-ich-zbytocne-stracate-peniaze\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u00e1te e\u0161te vkladn\u00fa kni\u017eku \u010di term\u00ednovan\u00fd vklad? Zbavte sa ich, zbyto\u010dne str\u00e1cate peniaze - FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"M\u00e1te doma star\u00fa vkladn\u00fa kni\u017eku? 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