{"id":4757,"date":"2022-12-27T08:45:00","date_gmt":"2022-12-27T07:45:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=4757"},"modified":"2026-01-26T13:29:47","modified_gmt":"2026-01-26T12:29:47","slug":"ako-dodrzat-sporiace-predsavzatie-a-kam-investovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/ako-dodrzat-sporiace-predsavzatie-a-kam-investovat\/","title":{"rendered":"Ako dodr\u017ea\u0165 sporiace predsavzatie a kam investova\u0165 v roku 2026"},"content":{"rendered":"\n<p><strong>\u201cKone\u010dne si budem spori\u0165\u201d alebo \u201cbudem spori\u0165 viac\u201d, pr\u00edpadne \u201cza\u010dnem investova\u0165\u201d. Aj tieto finan\u010dn\u00e9 predsavzatia si d\u00e1vaj\u00fa mnoh\u00ed Slov\u00e1ci na prelome star\u00e9ho a nov\u00e9ho roka. Ako sa sporiaceho predsavzatia dr\u017ea\u0165 nielen po\u010das cel\u00e9ho roka, ale aj ove\u013ea dlh\u0161ie &#8211; aspo\u0148 5 \u010di 10 rokov? S na\u0161imi tipmi sa v\u00e1m to ur\u010dite podar\u00ed a va\u0161e \u00faspory zhodnot\u00edte naozaj v\u00fdhodne.<\/strong><\/p>\n\n\n\n<p>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ako dodr\u017ea\u0165 sporiace predsavzatie<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Ako za\u010da\u0165 a kam investova\u0165 v tomto roku<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Tipy, ako sa vyhn\u00fa\u0165 \u010dast\u00fdm chyb\u00e1m pri investovan\u00ed<\/span><\/li>\n\n\n\n<li>Pr\u00edklady ako spori\u0165 napr\u00edklad pre deti alebo na d\u00f4chodok<\/li>\n\n\n\n<li>Pre\u010do sa oplat\u00ed poradi\u0165 s investi\u010dn\u00fdmi \u0161pecialistami <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk&nbsp;<\/a>&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ako dodr\u017ea\u0165 sporiace predsavzatie<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Sporenie b\u00fdva \u010dast\u00fdm novoro\u010dn\u00fdm predsavzat\u00edm, ale nie ka\u017ed\u00e9mu po\u010diato\u010dn\u00e9 nad\u0161enie vydr\u017e\u00ed po cel\u00fd rok. V tejto s\u00favislosti v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 nieko\u013eko r\u00e1d:<\/span><\/p>\n\n\n\n<ul>\n<li>Nastavte si v janu\u00e1ri trval\u00fd pr\u00edkaz s konkr\u00e9tnym n\u00e1zvom sporenia, napr\u00edklad Finan\u010dn\u00e1 rezerva alebo Dovolenka.&nbsp;<\/li>\n\n\n\n<li>Tento trval\u00fd pr\u00edkaz nasmerujte na sporiaci \u00fa\u010det alebo depozitn\u00e9 konto, ku ktor\u00fdm nem\u00e1te platobn\u00fa kartu.&nbsp;Takto \u00faspory nebudete ma\u0165 na o\u010diach a sk\u00f4r odol\u00e1te poku\u0161eniu s nimi manipulova\u0165.&nbsp;<\/li>\n\n\n\n<li>Ale ak viete, \u017ee peniaze nebudete potrebova\u0165 dlh\u0161ie obdobie, nemali by ste ich odklada\u0165 bokom len na sporenie. <a href=\"https:\/\/www.fingo.sk\/blog\/7-dovodov-preco-investovat\/\">Investujte ich<\/a> napr\u00edklad do fondov, akci\u00ed alebo do zlata, ktor\u00e9 va\u0161e peniaze zhodnotia.&nbsp;<\/li>\n\n\n\n<li>\u010ci u\u017e hovor\u00edme o sporen\u00ed alebo o investovan\u00ed, v oboch pr\u00edpadoch je d\u00f4le\u017eit\u00e9 odhodlanie, discipl\u00edna a pomenovanie svojho cie\u013ea.<\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP:<\/span> \u010casto pom\u00f4\u017ee aj dozor zodpovednej osoby niekoho z rodiny alebo doh\u013ead <a href=\"https:\/\/www.fingo.sk\/kontakty\">odborn\u00edka.<\/a><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Sporenie m\u00f4\u017eete na\u0161tartova\u0165 pl\u00e1novan\u00edm v\u00fddavkov<\/span><\/h2>\n\n\n\n<p>Mnoho \u013eud\u00ed na za\u010diatku roka zvykne hovori\u0165, \u017ee nemaj\u00fa z \u010doho spori\u0165 ani na rezervu a toto kon\u0161tatovanie ich potom brzd\u00ed aj pri investovan\u00ed. Aj na to existuje jednoduch\u00fd recept, ktor\u00fd mnoh\u00ed z n\u00e1s poznaj\u00fa, ale nie ka\u017ed\u00fd sa n\u00edm riadi.<\/p>\n\n\n\n<p>\u017dijeme vo svete pe\u0148az\u00ed. Preto aby ste si vedeli vy\u010dleni\u0165 prostriedky na sporenie, potrebujete d\u00f4kladne pl\u00e1nova\u0165 va\u0161e&nbsp;v\u00fddavky.&nbsp;Na za\u010diatku roka si preto urobte aj rev\u00edziu rodinn\u00e9ho rozpo\u010dtu. Ako na to?<\/p>\n\n\n\n<ul>\n<li>Sp\u00ed\u0161te si v\u0161etky v\u00fddavky na papier a ur\u010dite si priority, tzv. must v\u00fddavky. Ostatn\u00e9 menej podstatn\u00e9 polo\u017eky eliminujte alebo \u00faplne vypustite.&nbsp;<\/li>\n\n\n\n<li>V rozpo\u010dte \u010dasto n\u00e1jdete ve\u013ea polo\u017eiek, bez ktor\u00fdch sa zaob\u00eddete alebo ich dok\u00e1\u017eete nahradi\u0165 lacnej\u0161ou alternat\u00edvou.&nbsp;\u010ci u\u017e hovor\u00edme o zmene dod\u00e1vate\u013eov energi\u00ed, telekomunika\u010dn\u00fdch slu\u017eieb, <a href=\"https:\/\/www.fingo.sk\/blog\/refinancovanie-hypoteky-10-rad-kedy-sa-naozaj-oplati\/\">o refinancovan\u00ed<\/a> alebo sp\u00e1jan\u00ed \u00faverov a podobne.&nbsp;<\/li>\n\n\n\n<li>E\u0161te lep\u0161ie urob\u00edte, ak si s na\u0161imi sk\u00fasen\u00fdmi odborn\u00edkmi <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk<\/a> priprav\u00edte dlhodob\u00fd finan\u010dn\u00fd pl\u00e1n na nieko\u013eko rokov dopredu.<\/li>\n\n\n\n<li>Ak si chcete napr\u00edklad k\u00fapi\u0165 auto, <a href=\"https:\/\/www.fingo.sk\/blog\/rekonstrukcia-byvania-vyhodne-financovanie\/\">rekon\u0161truova\u0165<\/a> byt, naspori\u0165 de\u0165om na \u0161t\u00fadium alebo m\u00e1te in\u00e9 investi\u010dn\u00e9 ciele, toto v\u0161etko treba zoh\u013eadni\u0165 a za\u010da\u0165 h\u013eada\u0165 vo v\u00fddavkoch rezervy na sporenie.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP: <\/span><span style=\"font-weight: 400;\">R\u00f4zne investi\u010dn\u00e9 produkty, ktor\u00e9 m\u00f4\u017eu by\u0165 vhodn\u00e9 pr\u00e1ve pre v\u00e1\u0161 cie\u013e, si m\u00f4\u017eete porovna\u0165 aj v na\u0161ej kalkula\u010dke.<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Ako za\u010da\u0165 investova\u0165<\/span><\/h2>\n\n\n\n<p>Prv\u00fdm krokom je vytvori\u0165 si <span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\">finan\u010dn\u00fa rezervu<\/a> vo v\u00fd\u0161ke minim\u00e1lne 6 mesa\u010dn\u00fdch v\u00fddavkov. Ak napr\u00edklad va\u0161a rodina mesa\u010dne minie 1000 eur, va\u0161a rezerva by mala by\u0165 aspo\u0148 6000 eur. Ak m\u00e1te rezervu vytvoren\u00fa, m\u00f4\u017eete sa pusti\u0165 aj do investovania. M\u00f4\u017eete si to vysk\u00fa\u0161a\u0165 aj v men\u0161om, napr\u00edklad za\u010da\u0165 pravidelne investova\u0165 od 20 eur mesa\u010dne. Ale samozrejme plat\u00ed, \u017ee s vy\u0161\u0161ou sumou bude r\u00e1s\u0165 aj v\u00e1\u0161 v\u00fdnos.<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Ve\u013ea za\u010d\u00ednaj\u00facich investorov by chcelo svoje peniaze zhodnoti\u0165 s vysok\u00fdm v\u00fdnosom, ale ide\u00e1lne bez rizika a hlavne r\u00fdchlo. No takto investovanie nefunguje. <\/span><\/p>\n<\/blockquote>\n\n\n\n<p><span style=\"font-weight: 400;\">Myslite na to, \u017ee pri investovan\u00ed sa treba rozhodova\u0165 na z\u00e1klade jednoduchej rovnice &#8211; \u010d\u00edm vy\u0161\u0161ie riziko ste ochotn\u00fd podst\u00fapi\u0165 a \u010d\u00edm dlh\u0161ie nech\u00e1te peniaze pracova\u0165, t\u00fdm vy\u0161\u0161\u00ed v\u00fdnos m\u00f4\u017eete o\u010dak\u00e1va\u0165. Na trhu n\u00e1jdete produkty od konzervat\u00edvnych s v\u00fdnosmi okolo 3 % a\u017e po komplikovan\u00e9 rizikov\u00e9 sch\u00e9my s nad\u0161tandardn\u00fdmi v\u00fdnosmi<a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\"> nad 10 %.<\/a><\/span><i>&nbsp;<\/i><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP: <\/span><span style=\"font-weight: 400;\">Pri v\u00fdbere vhodn\u00fdch n\u00e1strojov najlep\u0161ie urob\u00edte, ak oslov\u00edte finan\u010dn\u00e9ho sprostredkovate\u013ea <a href=\"https:\/\/www.fingo.sk\/kontakty\">z FinGO.sk.<\/a> Porovn\u00e1me v\u00e1m produkty aj poplatky, ktor\u00e9 tie\u017e ovplyv\u0148uj\u00fa v\u00fdnosy invest\u00edci\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\">Kam investova\u0165 v roku 2026<\/span><\/h2>\n\n\n\n<p>Aj v roku 2026 bude zohr\u00e1va\u0165 d\u00f4le\u017eit\u00fa rolu diverzifik\u00e1cia, \u010di\u017ee rozlo\u017eenie invest\u00edci\u00ed do viacer\u00fdch n\u00e1strojov. Preto odpor\u00fa\u010dam ma\u0165 v portf\u00f3liu zast\u00fapenie akci\u00ed z r\u00f4znych sektorov a kraj\u00edn. Na trhu s\u00fa aj ETF fondy, ktor\u00e9 zah\u0155\u0148aj\u00fa akciov\u00e9 spolo\u010dnosti s celosvetov\u00fdm p\u00f4soben\u00edm.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">TIP:<\/span> Ako poistenie portf\u00f3lia m\u00f4\u017eete 10 a\u017e 15 % objemu \u00faspor vlo\u017ei\u0165 aj do drah\u00fdch kovov, napr\u00edklad <a href=\"https:\/\/www.fingo.sk\/investovanie\/investicne-zlato\">do zlata,<\/a> ktor\u00e9 investorov chr\u00e1ni pri prudk\u00fdch v\u00fdkyvoch na trhu. <\/span><span style=\"font-weight: 400;\">&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<h2><span style=\"color: #ec8124;\">3 tipy, ako investova\u0165 a vyhn\u00fa\u0165 sa chyb\u00e1m<\/span><\/h2>\n\n\n\n<h3><span style=\"color: #ec8124;\">1. Vhodn\u00fd produkt na vybran\u00fd investi\u010dn\u00fd cie\u013e<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00fd z n\u00e1s chce ma\u0165 vytvoren\u00fa finan\u010dn\u00fa rezervu, by\u0165 finan\u010dne nez\u00e1visl\u00fd, ma\u0165 kvalitnej\u0161iu zdravotn\u00fa starostlivos\u0165, mo\u017eno aj od\u00eds\u0165 sk\u00f4r do d\u00f4chodku. No je rozdiel, ako si na tieto ciele spor\u00edte.&nbsp;<\/span><span style=\"font-weight: 400;\">Na sporiacom \u00fa\u010dte alebo depozitnom konte si m\u00f4\u017eete vytv\u00e1ra\u0165 finan\u010dn\u00fa rezervu a ma\u0165 peniaze poruke, ale r\u00e1tajte s t\u00fdm, \u017ee v\u00e1m ich znehodnocuje <a href=\"https:\/\/www.fingo.sk\/blog\/co-je-to-inflacia-a-ako-nad-nou-vyhrat\/\">infl\u00e1cia.<\/a> \u010ci\u017ee nie s\u00fa ur\u010den\u00e9 na investovanie.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ak viete, \u017ee peniaze nebudete potrebova\u0165 dlh\u0161ie obdobie, napr\u00edklad 5 a\u017e 10 rokov, investujte ich cez dlhodob\u00e9 invest\u00edcie. Napr\u00edklad do ETF fondov, do zlata a podobne.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">V dne\u0161nej dobe existuje mno\u017estvo pr\u00edle\u017eitost\u00ed ako m\u00f4\u017eete peniaze v\u00fdrazne zhodnoti\u0165 a pre ich porovnanie ur\u010dite odpor\u00fa\u010dam obr\u00e1ti\u0165 sa na sk\u00fasen\u00e9ho<a href=\"https:\/\/www.fingo.sk\/kontakty\"> finan\u010dn\u00e9ho sprostredkovate\u013ea.<\/a><\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Investi\u010dn\u00fd odborn\u00edk m\u00e1 preh\u013ead o celom trhu a vie v\u00e1m lep\u0161ie poradi\u0165, ktor\u00e1 invest\u00edcia sa hod\u00ed na v\u00e1\u0161 investi\u010dn\u00fd cie\u013e. <\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Takisto v\u00e1m vie r\u00fdchlo porovna\u0165 poplatky spojen\u00e9 s r\u00f4znymi produktmi, povinnosti zda\u0148ovania zisku a podobne.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><span style=\"color: #ec8124;\">Porovnanie sporenia na bankovom \u00fa\u010dte a investovania do fondov<\/span><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\n<p>MESA\u010cNE SPOR\u00cdTE<\/p>\n<\/td><td>\n<p>Po 10 rokoch sporenia na be\u017enom \u00fa\u010dte (v\u00fdsledn\u00e1 suma bude ma\u0165 kv\u00f4li infl\u00e1cii re\u00e1lne ni\u017e\u0161iu hodnotu)<\/p>\n<\/td><td> <p><span style=\"color: #ec8124;\">Po 10 rokoch investovania do indexov\u00fdch fondov s priemern\u00fdm \u00farokom 8 % ro\u010dne<\/span><\/p> <\/td><\/tr><tr><td>\n<p>30 \u20ac<\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400;\">3 600 \u20ac<\/span><\/p>\n<\/td><td> <p><span style=\"font-weight: 400; color: #ec8124;\">5 438&nbsp; \u20ac<\/span><\/p> <\/td><\/tr><tr><td>\n<p>50 \u20ac<\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400;\">6 000 \u20ac<\/span><\/p>\n<\/td><td> <p><span style=\"font-weight: 400; color: #ec8124;\">9 064 \u20ac<\/span><\/p> <\/td><\/tr><tr><td>\n<p>100 \u20ac<\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400;\">12 000 \u20ac<\/span><\/p>\n<\/td><td> <p><span style=\"font-weight: 400; color: #ec8124;\">18 128 \u20ac<\/span><\/p> <\/td><\/tr><tr><td>\n<p>150 \u20ac<\/p>\n<\/td><td>\n<p><span style=\"font-weight: 400;\">18 000 \u20ac<\/span><\/p>\n<\/td><td> <p><span style=\"font-weight: 400; color: #ec8124;\">27 192 \u20ac<\/span><\/p> <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3>&nbsp;<\/h3>\n\n\n\n<h3><span style=\"color: #ec8124;\"><br>2. Diverzifikujte, \u010di\u017ee invest\u00edcie rozde\u013ete&nbsp;<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Va\u0161e investi\u010dn\u00e9 portf\u00f3lio by malo by\u0165 \u0161ir\u0161ie a rozdelen\u00e9 na produkty s dlh\u0161\u00edm sporen\u00edm a produkty s krat\u0161\u00edm sporen\u00edm, na ktor\u00e9 m\u00f4\u017eete siahnu\u0165 v pr\u00edpade nepredv\u00eddan\u00fdch udalost\u00ed. Naopak, na dlhodobom sporen\u00ed treba necha\u0165 peniaze pracova\u0165, aby priniesli vy\u0161\u0161ie zhodnotenie.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">Ke\u010f viete, \u017ee investovan\u00e9 peniaze budete chcie\u0165 vyu\u017ei\u0165 u\u017e <\/span>do 5 rokov<span style=\"font-weight: 400;\">, pozrel by som sa na realitn\u00e9 fondy alebo fondy zameran\u00e9 na dlhopisy. Bud\u00fa tvori\u0165 konzervat\u00edvnej\u0161iu zlo\u017eku v\u00e1\u0161ho portf\u00f3lia s ni\u017e\u0161\u00edm rizikom.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Pokia\u013e viete, \u017ee peniaze budete potrebova\u0165 a\u017e o <\/span>10 rokov<span style=\"font-weight: 400;\">, m\u00f4\u017eete sa zvies\u0165 na vlne akciov\u00e9ho rastu a investova\u0165 do akci\u00ed, indexov\u00fdch fondov alebo komod\u00edt.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Investi\u010dn\u00e9 portf\u00f3lio e\u0161te <\/span>poistite<span style=\"font-weight: 400;\"> k\u00fapou drah\u00fdch kovov, ktor\u00e9 m\u00f4\u017eu tvori\u0165 10 \u2013 15 %. Na to je vhodn\u00e9 napr\u00edklad investi\u010dn\u00e9 zlato, ktor\u00e9 je osloboden\u00e9 od DPH.<\/span><\/li>\n<\/ul>\n\n\n\n<h4><strong><span style=\"color: #ec8124;\">Pr\u00edklad &#8211; sporenie na dofinancovanie hypot\u00e9ky:<\/span> <\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">V banke dnes potrebujete na <a href=\"https:\/\/www.fingo.sk\/blog\/ako-dofinancovat-hypoteku-co-najvyhodnejsie\/\">dofinancovanie hypot\u00e9ky<\/a> 20 % z hodnoty nehnute\u013enosti. Mlad\u00e9mu \u010dloveku na za\u010diatok sta\u010d\u00ed aj men\u0161\u00ed \u0161tartovac\u00ed 1-izbov\u00fd byt za 100-tis\u00edc eur, ktor\u00fd treba dofinancova\u0165 sumou 20-tis\u00edc eur.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak chcete va\u0161im de\u0165om pom\u00f4c\u0165 osamostatni\u0165 sa, aby si mohli finan\u010dne dovoli\u0165 vlastn\u00e9 b\u00fdvanie, m\u00f4\u017eete im odklada\u0165 napr\u00edklad po 100 \u20ac mesa\u010dne a vhodn\u00fdm investovan\u00edm cie\u013eov\u00fa sumu 20 000 \u20ac dosiahnete za necel\u00fdch 11 rokov. Priemern\u00e9 zhodnotenie akci\u00ed je na \u00farovni 8 % ro\u010dne. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Samozrejme, \u010d\u00edm vy\u0161\u0161\u00ed mesa\u010dn\u00fd vklad budete na sporenie posiela\u0165, t\u00fdm r\u00fdchlej\u0161ie sa k investi\u010dn\u00e9mu cie\u013eu dopracujete. <\/span><span style=\"font-weight: 400;\">Napr\u00edklad ak si mlad\u00fd pracuj\u00faci \u010dlovek dok\u00e1\u017ee spori\u0165 po 200 eur mesa\u010dne, 20-tis\u00edc eur na dofinancovanie hypot\u00e9ky dosiahne za necel\u00fdch 7 rokov.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h4><strong><span style=\"color: #ec8124;\">Pr\u00edklad &#8211; sporenie na d\u00f4chodok:<\/span> <\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.fingo.sk\/blog\/sporenie-na-dochodok-ako-na-to\/\">V oblasti d\u00f4chodkov<\/a> sa nesta\u010d\u00ed spolieha\u0165 len na \u0161t\u00e1t. Skontrolujte, \u010di m\u00e1te spr\u00e1vne nastaven\u00fa va\u0161u investi\u010dn\u00fa strat\u00e9giu a vhodne zvolen\u00e9 fondy v 2. a 3. pilieri. Okrem toho si na pohodln\u00fa starobu m\u00f4\u017eete spori\u0165 aj samostatne.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak by ste v 25 rokoch za\u010dali investova\u0165 60 \u20ac mesa\u010dne, takto m\u00f4\u017eete ma\u0165 po 40 rokoch navkladan\u00fdch 28&nbsp;800 \u20ac, ale v\u010faka dlhodob\u00e9mu horizontu a v\u00fdnosu 8 % ro\u010dne budete ma\u0165 na d\u00f4chodku nasporen\u00fdch viac ako 194 508 \u20ac. &nbsp;<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Mimochodom, keby ste si za\u010dali odklada\u0165 60 \u20ac a\u017e v 45 rokoch, tak si za zvy\u0161n\u00fdch 20 rokov sporenia do d\u00f4chodku odlo\u017e\u00edte len 14 400 \u20ac, ktor\u00e9 sa v\u00e1m zhodnotia na sumu vy\u0161e 34 360 \u20ac. So sporen\u00edm na d\u00f4chodok naozaj netreba \u010daka\u0165.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h3><span style=\"color: #ec8124; font-size: revert; font-weight: revert;\">3. Dodr\u017ete investi\u010dn\u00fd horizont, peniaze nevyberajte sk\u00f4r<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Nesk\u00fasen\u00fdch investorov ob\u010das vypla\u0161\u00ed zop\u00e1r negat\u00edvnych spr\u00e1v, a tak h\u00fafne ru\u0161ia invest\u00edcie alebo vyberaj\u00fa len mal\u00e9 zisky. Plat\u00ed pravidlo &#8211; akcie, indexov\u00e9 fondy a investi\u010dn\u00e9 zlato patria do <a href=\"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/\">dlhodob\u00e9ho investovania,<\/a> \u010di\u017ee na t\u00fdchto sporiacich produktoch si treba spori\u0165 10 rokov a viac. Vtedy v\u00e1m invest\u00edcia prinesie najvy\u0161\u0161ie zhodnotenie.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Samozrejme, \u010d\u00edm sk\u00f4r za\u010dnete investova\u0165 a \u010d\u00edm dlh\u0161ie nech\u00e1te va\u0161e peniaze pracova\u0165, t\u00fdm bude va\u0161a nasporen\u00e1 suma vy\u0161\u0161ia. Budete ma\u0165 toti\u017e odlo\u017een\u00fdch viac mesa\u010dn\u00fdch vkladov, ale taktie\u017e m\u00f4\u017eete r\u00e1ta\u0165 s vy\u0161\u0161\u00edm v\u00fdnosom.<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\">TIP: <\/span><span style=\"font-weight: 400;\">Ka\u017ed\u00fa invest\u00edciu si pomenujte pod\u013ea v\u00e1\u0161ho investi\u010dn\u00e9ho cie\u013ea &#8211; napr\u00edklad \u201cna d\u00f4chodok\u201d alebo \u201cna \u0161t\u00fadium pre deti\u201d a podobne. Takto je v\u00e4\u010d\u0161ia \u0161anca, \u017ee dan\u00e9 peniaze nevyberiete pred\u010dasne.<\/span><\/p>\n\n\n\n<h4><strong><span style=\"color: #ec8124;\">Pr\u00edklad &#8211; sporenie pre deti:<i>&nbsp;<\/i><\/span><\/strong><\/h4>\n\n\n\n<p><span style=\"font-weight: 400;\">20 rokov je v\u00fdborn\u00fd \u010dasov\u00fd horizont na sporenie pre deti od narodenia. Pri 8 % ro\u010dnom zhodnoten\u00ed m\u00f4\u017eete die\u0165a\u0165u spori\u0165 do ETF fondov napr\u00edklad 30 \u20ac mesa\u010dne, \u010di\u017ee 1 \u20ac denne a po 20 rokoch tak\u00e9ho sporenia m\u00f4\u017eete vybra\u0165 nasporen\u00fa sumu viac ne\u017e 17-tis\u00edc \u20ac. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p><span style=\"font-weight: 400;\">Ak v\u0161ak za\u010dnete spori\u0165 ove\u013ea nesk\u00f4r, napr\u00edklad v 10 rokoch die\u0165a\u0165a a chcete ma\u0165 pre\u0148ho v 20-tke nasporen\u00fa rovnak\u00fa sumu (17-tis\u00edc \u20ac), tak budete musie\u0165 spori\u0165 a\u017e po 95 \u20ac mesa\u010dne.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\">Zhodnocujte va\u0161e \u00faspory efekt\u00edvne<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">\u010ci u\u017e chcete spori\u0165 na \u0161t\u00fadium pre va\u0161e deti, na dofinancovanie hypot\u00e9ky, rekon\u0161trukciu b\u00fdvania alebo aby ste mali na d\u00f4chodku lep\u0161ie, nenech\u00e1vajte svoje \u00faspory le\u017ea\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/mate-este-vkladnu-knizku-ci-terminovany-vklad-zbavte-sa-ich-zbytocne-stracate-peniaze\/\">na be\u017enom \u00fa\u010dte.<\/a> Zbyto\u010dne ich tak po\u017eiera infl\u00e1cia a \u010dasom sa znehodnocuj\u00fa. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Za\u010dnite si spori\u0165 v\u00fdhodne a efekt\u00edvne. Na\u0161i finan\u010dn\u00ed sprostredkovatelia z FinGO.sk v\u00e1m pom\u00f4\u017eu zorientova\u0165 sa v mo\u017enostiach investovania, aby va\u0161e peniaze zar\u00e1bali. <\/span><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a><\/span><span style=\"font-weight: 400;\">&nbsp;alebo n\u00e1m <\/span>zanechajte kontakt <span style=\"font-weight: 400;\">vo formul\u00e1ri ni\u017e\u0161ie a my sa v\u00e1m ozveme.<\/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\/4757#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","protected":false},"excerpt":{"rendered":"<p>\u201cKone\u010dne si budem spori\u0165\u201d alebo \u201cbudem spori\u0165 viac\u201d, pr\u00edpadne \u201cza\u010dnem investova\u0165\u201d. Aj tieto finan\u010dn\u00e9 predsavzatia si d\u00e1vaj\u00fa mnoh\u00ed Slov\u00e1ci na prelome star\u00e9ho a nov\u00e9ho roka. Ako sa sporiaceho predsavzatia dr\u017ea\u0165 nielen po\u010das cel\u00e9ho roka, ale aj ove\u013ea dlh\u0161ie &#8211; aspo\u0148 5 \u010di 10 rokov? S na\u0161imi tipmi sa v\u00e1m to ur\u010dite podar\u00ed a va\u0161e \u00faspory zhodnot\u00edte naozaj v\u00fdhodne. V \u010dl\u00e1nku sa do\u010d\u00edtate: Ako dodr\u017ea\u0165 sporiace predsavzatie Sporenie b\u00fdva \u010dast\u00fdm novoro\u010dn\u00fdm predsavzat\u00edm, ale nie ka\u017ed\u00e9mu po\u010diato\u010dn\u00e9 nad\u0161enie vydr\u017e\u00ed po cel\u00fd rok. V tejto s\u00favislosti v\u00e1m m\u00f4\u017ee pom\u00f4c\u0165 nieko\u013eko r\u00e1d: TIP: \u010casto pom\u00f4\u017ee aj dozor zodpovednej osoby niekoho z rodiny alebo doh\u013ead odborn\u00edka. Sporenie m\u00f4\u017eete na\u0161tartova\u0165 pl\u00e1novan\u00edm v\u00fddavkov Mnoho \u013eud\u00ed na za\u010diatku roka zvykne hovori\u0165, \u017ee nemaj\u00fa z \u010doho spori\u0165 ani na rezervu a toto kon\u0161tatovanie ich potom brzd\u00ed aj pri investovan\u00ed. Aj na to existuje jednoduch\u00fd recept, ktor\u00fd mnoh\u00ed z n\u00e1s poznaj\u00fa, ale nie ka\u017ed\u00fd sa n\u00edm riadi. \u017dijeme vo svete pe\u0148az\u00ed. Preto aby ste si vedeli vy\u010dleni\u0165 prostriedky na sporenie, potrebujete d\u00f4kladne pl\u00e1nova\u0165 va\u0161e&nbsp;v\u00fddavky.&nbsp;Na za\u010diatku roka si preto urobte aj rev\u00edziu rodinn\u00e9ho rozpo\u010dtu. Ako na to? TIP: R\u00f4zne investi\u010dn\u00e9 produkty, ktor\u00e9 m\u00f4\u017eu by\u0165 vhodn\u00e9 pr\u00e1ve pre v\u00e1\u0161 cie\u013e, si m\u00f4\u017eete porovna\u0165 aj v na\u0161ej kalkula\u010dke. Ako za\u010da\u0165 investova\u0165 Prv\u00fdm krokom [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":9736,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73],"tags":[191,159,52,251,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako dodr\u017ea\u0165 sporiace predsavzatie a kam investova\u0165 v roku 2026 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ako sa sporiaceho predsavzatia dr\u017ea\u0165 nielen po\u010das cel\u00e9ho roka, ale aj ove\u013ea dlh\u0161ie? 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