{"id":4591,"date":"2021-12-10T15:32:13","date_gmt":"2021-12-10T14:32:13","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4591"},"modified":"2023-05-30T12:59:20","modified_gmt":"2023-05-30T10:59:20","slug":"7-dovodov-preco-investovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/7-dovodov-preco-investovat\/","title":{"rendered":"7 d\u00f4vodov, pre\u010do investova\u0165"},"content":{"rendered":"\n

Prem\u00fd\u0161\u013eate nad investovan\u00edm? Mo\u017eno v\u00e1s \u201cnakopn\u00fa\u201d naj\u010dastej\u0161ie d\u00f4vody, ktor\u00e9 k tomuto kroku motivuj\u00fa v\u00e4\u010d\u0161inu \u013eud\u00ed. Investovan\u00edm ochr\u00e1nite va\u0161e \u00faspory pred infl\u00e1ciou a zabezpe\u010d\u00edte lep\u0161iu bud\u00facnos\u0165 nielen sebe, ale aj va\u0161im de\u0165om alebo vn\u00fa\u010dat\u00e1m. D\u00f4le\u017eit\u00e9 je za\u010da\u0165 \u010do najsk\u00f4r a necha\u0165 va\u0161e \u00faspory dostato\u010dne dlho pracova\u0165 v \u010dase.<\/strong><\/p>\n\n\n\n

1. Ochrana pe\u0148az\u00ed pred infl\u00e1ciou<\/span> <\/strong><\/h2>\n\n\n\n

Z mesiaca na mesiac rast\u00fa ceny tovarov <\/strong>a slu\u017eieb a za rovnak\u00e9 peniaze si viete k\u00fapi\u0165 st\u00e1le menej a menej. Napr\u00edklad v okt\u00f3bri sa infl\u00e1cia <\/strong><\/a>vy\u0161plhala na 5,1 %<\/strong> a to znamen\u00e1, \u017ee ak ste pred rokom urobili v obchode ve\u013ek\u00fd n\u00e1kup za 100 eur, v s\u00fa\u010dasnosti v\u00e1s bude st\u00e1\u0165 u\u017e 105,10 \u20ac<\/strong>. Len\u017ee vy m\u00e1te na \u00fa\u010dte st\u00e1le len t\u00fdch ist\u00fdch 100 \u20ac a 5,10 \u20ac v\u00e1m ch\u00fdba<\/strong>. Je to preto, lebo sa va\u0161e peniaze na \u00fa\u010dte vplyvom infl\u00e1cie znehodnotili. <\/p>\n\n\n\n

Ale nejde len o ceny potrav\u00edn \u010di in\u00fdch be\u017en\u00fdch tovarov, na ktor\u00e9 vpl\u00fdva infl\u00e1cia. Zdra\u017eovanie <\/strong>sledujeme aj v in\u00fdch oblastiach a typick\u00fdm pr\u00edkladom s\u00fa \u0161ialen\u00e9 ceny nehnute\u013enost\u00ed.<\/a> <\/p>\n\n\n\n

Pr\u00edklad: <\/span><\/strong>Ke\u010f sa pozrieme na \u0161tatistiky NBS, tak k\u00fdm ste si v roku 2005 na Slovensku vedeli k\u00fapi\u0165 3-izbov\u00fd byt s rozlohou 68 m2 za priemern\u00fa cenu 84 000 \u20ac<\/strong>, pred koncom roka 2021 k\u00fapite rovnak\u00fd byt u\u017e za 144 000 \u20ac<\/strong>. Po bytoch je obrovsk\u00fd dopyt a ponuka je slab\u00e1, preto ich ceny rast\u00fa raketovou r\u00fdchlos\u0165ou. <\/p>\n\n\n\n

2. Tvorba finan\u010dn\u00fdch rezerv<\/strong><\/mark><\/h2>\n\n\n\n

Po\u010das pand\u00e9mie Covidu vyhl\u00e1silo mno\u017estvo Slov\u00e1kov osobn\u00fd bankrot, preto\u017ee bu\u010f nemali vytvoren\u00e9 \u017eiadne alebo len minim\u00e1lne finan\u010dn\u00e9 rezervy. Preto je d\u00f4le\u017eit\u00e9 si tvori\u0165 finan\u010dn\u00fa rezervu<\/a> <\/strong>a mesa\u010dne si odklada\u0165 zo svojho mesa\u010dn\u00e9ho pr\u00edjmu aspo\u0148 10 % a\u017e 20 %. Ide\u00e1lna mesa\u010dn\u00e1 rezerva by mala by\u0165 vo v\u00fd\u0161ke 6- a\u017e 12-n\u00e1sobku<\/strong> va\u0161ich v\u00fddavkov, aby ste \u0148ou dok\u00e1zali pokry\u0165 ne\u010dakan\u00e9 situ\u00e1cie spojen\u00e9 s v\u00fdpadkom pr\u00edjmu aspo\u0148 na pol roka. <\/p>\n\n\n\n

Pr\u00edklad:<\/strong> <\/mark>Ak zar\u00e1bate 1 500 \u20ac <\/strong>v \u010distom, va\u0161a rezerva by mala by\u0165 minim\u00e1lne vo v\u00fd\u0161ke 9 000 \u20ac<\/strong>. Keby sa v\u00e1m podarilo odklada\u0165 najmenej 10 %, \u010di\u017ee 150 \u20ac mesa\u010dne<\/strong>, dok\u00e1\u017eete si ju vytvori\u0165 za 5 rokov v pr\u00edpade, \u017ee si budete peniaze odklada\u0165 napr\u00edklad na sporiaci \u00fa\u010det v banke s nulov\u00fdm \u00farokom. <\/p>\n\n\n\n

\n

Ale keby ste peniaze investovali do podielov\u00fdch fondov, tak pri 5 % zhodnoten\u00ed naspor\u00edte sumu 9000 \u20ac u\u017e za 4,5 roka, \u010di\u017ee spor\u00edte a\u017e o pol roka menej.<\/p>\n<\/blockquote>\n\n\n\n

3. Pred\u010dasn\u00e9 splatenie hypot\u00e9ky<\/strong><\/mark><\/h2>\n\n\n\n

Bolo by pre v\u00e1s zauj\u00edmav\u00e9 zbavi\u0165 sa hypot\u00e9ky <\/a>napr\u00edklad o 10 rokov sk\u00f4r? T\u00fdm, \u017ee si u\u017e dnes za\u010dnete spori\u0165, m\u00f4\u017eete pred\u010dasne vyplati\u0165 svoju hypot\u00e9ku a e\u0161te na tom aj zarob\u00edte.<\/strong> V\u010faka tomu nebudete finan\u010dne za\u0165a\u017een\u00fd spl\u00e1tkami \u00faveru pred d\u00f4chodkov\u00fdm vekom.<\/p>\n\n\n\n

Z\u00e1rove\u0148 je dobr\u00e9 vedie\u0165, \u017ee hypot\u00e9ku sa oplat\u00ed natiahnu\u0165 na \u010do najdlh\u0161iu dobu<\/strong>, napr\u00edklad na 30 rokov. V\u010faka tomu budete ma\u0165 ni\u017e\u0161ie spl\u00e1tky, ktor\u00e9 menej za\u0165a\u017eia v\u00e1\u0161 rodinn\u00fd rozpo\u010det. Omnoho v\u00e4\u010d\u0161\u00ed zmysel m\u00e1 peniaze u\u0161etren\u00e9 na spl\u00e1tke spori\u0165 a po rokoch sa sami rozhodnete, \u010di t\u00fdmito peniazmi hypot\u00e9ku pred\u010dasne splat\u00edte, alebo ich pou\u017eijete na in\u00fd \u00fa\u010del, napr\u00edklad na rekon\u0161trukciu b\u00fdvania a podobne. <\/p>\n\n\n\n

Pr\u00edklad:<\/span> <\/strong>Keby ste si brali hypot\u00e9ku 80 000 \u20ac<\/strong>, va\u0161a mesa\u010dn\u00e1 spl\u00e1tka bude pri 10-ro\u010dnej splatnosti 680 \u20ac<\/strong>, ale pri 30-ro\u010dnej splatnosti len 235 \u20ac<\/strong>. Ak si m\u00f4\u017eete dovoli\u0165 spl\u00e1ca\u0165 aj t\u00fdch 680 \u20ac, rad\u0161ej si spl\u00e1tky natiahnite a u\u0161etren\u00fa sumu – \u010di\u017ee 445 \u20ac (680 – 235) m\u00f4\u017eete investova\u0165 napr\u00edklad do podielov\u00fdch fondov<\/a>. Po 10 rokoch sa va\u0161e \u00faspory zhodnotia 7 % a budete ma\u0165 nasporen\u00fdch takmer 72 000 \u20ac<\/strong>. <\/p>\n\n\n\n

\n

Tieto peniaze m\u00f4\u017eete pou\u017ei\u0165 na pred\u010dasn\u00e9 splatenie zvy\u0161ku hypot\u00e9ky a \u010do v\u00e1m ostane, pou\u017eijete pod\u013ea vlastn\u00e9ho uv\u00e1\u017eenia. <\/p>\n<\/blockquote>\n\n\n\n

4. Zhodnocovanie \u00faspor<\/strong><\/mark><\/h2>\n\n\n\n

V bank\u00e1ch na\u0161e peniaze dnes nezar\u00e1baj\u00fa,<\/strong> lebo \u00farokov\u00e9 sadzby s\u00fa takmer nulov\u00e9. T\u00fdka sa to be\u017en\u00fdch \u00fa\u010dtov, sporiacich pod\u00fa\u010dtov, aj term\u00ednovan\u00fdch vkladov. Ak na nich m\u00e1te ulo\u017een\u00e9 \u00faspory, dosahuj\u00fa nulov\u00e9 v\u00fdnosy a kv\u00f4li spom\u00ednanej infl\u00e1cii takto prer\u00e1bate. <\/p>\n\n\n\n

Na rozdiel od t\u00fdchto bankov\u00fdch produktov, keby ste peniaze vhodne investovali, m\u00f4\u017eete zhodnoti\u0165 va\u0161e \u00faspory v podielov\u00fdch alebo ETF fondoch aktu\u00e1lne aj vy\u0161\u0161\u00edm \u00farokom ako 8 %<\/a><\/strong>. M\u00f4\u017eete do nich investova\u0165 jednorazovo vy\u0161\u0161iu sumu, alebo aj pravidelne mesa\u010dne, pod\u013ea va\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed.<\/p>\n\n\n\n

TIP:<\/span><\/strong> R\u00f4zne mo\u017enosti investovania si m\u00f4\u017eete porovna\u0165 online aj cez na\u0161u jednoduch\u00fa investi\u010dn\u00fa kalkula\u010dku. <\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

5.<\/strong> Staroba s<\/strong><\/mark> d\u00f4stojn\u00fdm d\u00f4chodkom<\/mark><\/strong><\/h2>\n\n\n\n

Na d\u00f4chodku sa o v\u00e1s \u0161t\u00e1t nepostar\u00e1, vezmite to \u010do najsk\u00f4r do vlastn\u00fdch r\u00fak. Pokia\u013e si na svoj d\u00f4chodok e\u0161te ne\u0161etr\u00edte a m\u00e1te napr\u00edklad 30 rokov, v\u00e1\u0161 d\u00f4chodok od \u0161t\u00e1tu bude len pribli\u017ene vo v\u00fd\u0161ke 40 – 50 % <\/strong>z v\u00e1\u0161ho s\u00fa\u010dasn\u00e9ho pr\u00edjmu. <\/strong>Napr\u00edklad ak m\u00e1te 30 rokov a zar\u00e1bate 1 000 \u20ac v hrubom, v\u00e1\u0161 d\u00f4chodok zo Soci\u00e1lnej pois\u0165ovne bude zhruba vo v\u00fd\u0161ke 400 a\u017e 500 \u20ac.<\/p>\n\n\n\n

Pr\u00edklad: <\/span><\/strong>Ak m\u00e1te 30 rokov, v\u00e1\u0161 d\u00f4chodok od \u0161t\u00e1tu m\u00f4\u017ee vyzera\u0165 takto: <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Aktu\u00e1lny pr\u00edjem v hrubom<\/strong><\/p>\n<\/td>\n

Predpokladan\u00e1 v\u00fd\u0161ka d\u00f4chodku<\/strong><\/td>\n<\/tr>\n
600 \u20ac<\/td>\n290 \u20ac<\/td>\n<\/tr>\n
800 \u20ac<\/td>\n356 \u20ac<\/td>\n<\/tr>\n
1 000 \u20ac<\/td>\n422 \u20ac<\/td>\n<\/tr>\n
1 200 \u20ac<\/td>\n498 \u20ac<\/td>\n<\/tr>\n
1 400 \u20ac<\/td>\n576 \u20ac<\/td>\n<\/tr>\n
1 600 \u20ac<\/td>\n632 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n

Preto vyu\u017eite \u010fal\u0161ie mo\u017enosti, ako si m\u00f4\u017eete zv\u00fd\u0161i\u0165 v\u00fd\u0161ku d\u00f4chodku cez II. alebo III. pilier<\/strong>, pr\u00edpadne si vytvorte vlastn\u00fd \u201epilier\u201c na zabezpe\u010denie si d\u00f4stojn\u00e9ho d\u00f4chodku. Viac r\u00e1d n\u00e1jdete aj v na\u0161om \u010fal\u0161om blogu.<\/a> <\/p>\n\n\n\n

6. Sporenie na b\u00fdvanie pre deti<\/strong><\/mark><\/h2>\n\n\n\n

Dnes u\u017e banky neposkytuj\u00fa 100 % – n\u00e9 financovanie kupovanej nehnute\u013enosti. Klienti musia ma\u0165 pri k\u00fape nehnute\u013enosti 20 a\u017e 30 % vlastn\u00fdch pe\u0148az\u00ed <\/strong>na dofinancovanie hypot\u00e9ky<\/a>. Pokia\u013e vy ako rodi\u010dia, pr\u00edpadne aj star\u00ed rodi\u010dia, nebudete od \u00fatleho detstva odklada\u0165 peniaze de\u0165om na b\u00fdvanie, bud\u00fa vyu\u017e\u00edva\u0165 aj v dospelom veku \u201emama-hotel\u201c. Preto\u017ee bud\u00fa ma\u0165 probl\u00e9m osamostatni\u0165 sa a k\u00fapi\u0165 si vlastn\u00fa nehnute\u013enos\u0165.<\/p>\n\n\n\n

Pr\u00edklad: <\/span><\/strong>Keby ste investovali napr\u00edklad 100 \u20ac mesa\u010dne<\/strong>, tak po 25 rokoch<\/strong> m\u00f4\u017eu ma\u0165 k dispoz\u00edcii a\u017e 66 000 \u20ac <\/strong>vr\u00e1tane 7 %-n\u00e9ho zhodnotenia. T\u00e1to suma by ur\u010dite pomohla na dofinancovanie nehnute\u013enosti. Samozrejme, \u010d\u00edm viac za\u010dnete odklada\u0165, t\u00fdm vy\u0161\u0161iu sumu naspor\u00edte. <\/p>\n\n\n\n

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Napr\u00edklad pri mesa\u010dnom vklade 200 \u20ac by to bolo pri 7 % zhodnoten\u00ed po 25 rokoch viac ako 132 000 \u20ac. <\/p>\n<\/blockquote>\n\n\n\n

7.<\/strong> Zabezpe\u010denie \u0161t\u00fadia det\u00ed<\/strong><\/mark><\/h2>\n\n\n\n

Jeden rok \u0161t\u00fadia na vysokej \u0161kole stoj\u00ed 3 000 \u20ac a\u017e 5 000 \u20ac<\/strong>. Pom\u00f4\u017ete va\u0161im de\u0165om alebo vn\u00fa\u010dat\u00e1m na\u0161tartova\u0165 ich bud\u00facnos\u0165. Podobne ako sme pop\u00edsali v predch\u00e1dzaj\u00facom bode, pr\u00e1ve vhodn\u00fdm investovan\u00edm<\/a> m\u00f4\u017eete u\u017e od ich \u00fatleho detstva pom\u00f4c\u0165 svojim de\u0165om alebo vn\u00fa\u010dat\u00e1m zabezpe\u010di\u0165 kvalitnej\u0161iu bud\u00facnos\u0165.<\/p>\n\n\n\n

Porovnanie sporenia na be\u017enom \u00fa\u010dte a investovania do fondov<\/strong><\/h4>\n\n\n\n
MESA\u010cNE SPOR\u00cdTE<\/strong><\/td>Po 10 rokoch sporenia na be\u017enom \u00fa\u010dte<\/strong> budete ma\u0165<\/td>Po 10 rokoch investovania do indexov\u00fdch fondov<\/strong> s priemern\u00fdm \u00farokom 6 % ro\u010dne budete ma\u0165<\/td>Po 20 rokoch sporenia na be\u017enom \u00fa\u010dte<\/strong> budete ma\u0165<\/td>Po 20 rokoch investovania do indexov\u00fdch fondov<\/strong> s priemern\u00fdm \u00farokom 6 % ro\u010dne budete ma\u0165<\/span><\/td><\/tr>
50 \u20ac<\/strong><\/td>6 000 \u20ac<\/td>7 737 \u20ac<\/span><\/td>12 000 \u20ac<\/td>20 304 \u20ac<\/span><\/td><\/tr>
100 \u20ac<\/strong><\/td>12 000 \u20ac<\/td>15 474 \u20ac<\/td>24 000 \u20ac<\/td>40 609 \u20ac<\/td><\/tr>
150 \u20ac<\/strong><\/td>18 000 \u20ac<\/td>23 212 \u20ac<\/td>36 000 \u20ac<\/td>60 913 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Ak neviete, ako za\u010da\u0165 s investovan\u00edm, obr\u00e1\u0165te sa na sk\u00fasen\u00e9ho odborn\u00edka. Finan\u010dn\u00ed sprostredkovatelia z FinGO.sk<\/a> <\/strong>maj\u00fa dlhoro\u010dn\u00e9 sk\u00fasenosti. Na\u0161e rady v\u00e1s ni\u010d nestoja,<\/strong> ale pom\u00f4\u017eeme v\u00e1m zabezpe\u010di\u0165 vy\u0161\u0161\u00ed \u017eivotn\u00fd \u0161tandard v starobe alebo naspori\u0165 va\u0161im de\u0165om na bud\u00facnos\u0165. <\/p>\n\n\n\n

Zavolajte n\u00e1m na 0800 60 10 60<\/strong><\/a> alebo n\u00e1m zanechajte kontaktn\u00e9 \u00fadaje<\/strong> vo formul\u00e1ri ni\u017e\u0161ie my sa v\u00e1m ozveme. <\/p>\n\n\n\n

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<\/p>

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

    \n<\/p>

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

    Prem\u00fd\u0161\u013eate nad investovan\u00edm? Mo\u017eno v\u00e1s \u201cnakopn\u00fa\u201d naj\u010dastej\u0161ie d\u00f4vody, ktor\u00e9 k tomuto kroku motivuj\u00fa v\u00e4\u010d\u0161inu \u013eud\u00ed. Investovan\u00edm ochr\u00e1nite va\u0161e \u00faspory pred infl\u00e1ciou a zabezpe\u010d\u00edte lep\u0161iu bud\u00facnos\u0165 nielen sebe, ale aj va\u0161im de\u0165om alebo vn\u00fa\u010dat\u00e1m. D\u00f4le\u017eit\u00e9 je za\u010da\u0165 \u010do najsk\u00f4r a necha\u0165 va\u0161e \u00faspory dostato\u010dne dlho pracova\u0165 v \u010dase. 1. Ochrana pe\u0148az\u00ed pred infl\u00e1ciou Z mesiaca na mesiac rast\u00fa ceny tovarov a slu\u017eieb a za rovnak\u00e9 peniaze si viete k\u00fapi\u0165 st\u00e1le menej a menej. Napr\u00edklad v okt\u00f3bri sa infl\u00e1cia vy\u0161plhala na 5,1 % a to znamen\u00e1, \u017ee ak ste pred rokom urobili v obchode ve\u013ek\u00fd n\u00e1kup za 100 eur, v s\u00fa\u010dasnosti v\u00e1s bude st\u00e1\u0165 u\u017e 105,10 \u20ac. Len\u017ee vy m\u00e1te na \u00fa\u010dte st\u00e1le len t\u00fdch ist\u00fdch 100 \u20ac a 5,10 \u20ac v\u00e1m ch\u00fdba. Je to preto, lebo sa va\u0161e peniaze na \u00fa\u010dte vplyvom infl\u00e1cie znehodnotili.  Ale nejde len o ceny potrav\u00edn \u010di in\u00fdch be\u017en\u00fdch tovarov, na ktor\u00e9 vpl\u00fdva infl\u00e1cia. Zdra\u017eovanie sledujeme aj v in\u00fdch oblastiach a typick\u00fdm pr\u00edkladom s\u00fa \u0161ialen\u00e9 ceny nehnute\u013enost\u00ed. Pr\u00edklad: Ke\u010f sa pozrieme na \u0161tatistiky NBS, tak k\u00fdm ste si v roku 2005 na Slovensku vedeli k\u00fapi\u0165 3-izbov\u00fd byt s rozlohou 68 m2 za priemern\u00fa cenu 84 000 \u20ac, pred koncom roka 2021 k\u00fapite rovnak\u00fd byt u\u017e za 144 […]<\/p>\n","protected":false},"author":26,"featured_media":4594,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[191,52,143,50,160],"yoast_head":"\n7 d\u00f4vodov, pre\u010do investova\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Chcete za\u010da\u0165 investova\u0165? 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