{"id":7984,"date":"2023-09-13T14:15:21","date_gmt":"2023-09-13T12:15:21","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=7984"},"modified":"2023-10-13T13:36:17","modified_gmt":"2023-10-13T11:36:17","slug":"5-financnych-rad-absolventom-ktorym-prave-prisla-prva-vyplata","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/5-financnych-rad-absolventom-ktorym-prave-prisla-prva-vyplata\/","title":{"rendered":"6 finan\u010dn\u00fdch r\u00e1d absolventom, ktor\u00fdm pr\u00e1ve pri\u0161la prv\u00e1 v\u00fdplata"},"content":{"rendered":"\n<p><strong>Za\u010dali ste ned\u00e1vno pracova\u0165, na \u00fa\u010det v\u00e1m u\u017e chodia peniaze a zatia\u013e sa v\u00e1m ich dar\u00ed min\u00fa\u0165 do posledn\u00e9ho eura? Alebo sa v\u00e1m finan\u010dn\u00e9 prostriedky hromadia na \u00fa\u010dte a vy prem\u00fd\u0161\u013eate, \u010do s nimi? Tu je nieko\u013eko r\u00e1d, ako si nastavi\u0165 svoje financie spr\u00e1vne a hne\u010f od prvej v\u00fdplaty.<\/strong><\/p>\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:\u00a0<\/strong><\/p>\n<ul>\n<li>Kedy si za\u010da\u0165 spori\u0165 na d\u00f4chodok<\/li>\n<li>Ako si zv\u00fd\u0161i\u0165 d\u00f4chodok a \u010di je na to vhodn\u00fd tret\u00ed pilier<\/li>\n<li>Ako sa sta\u0165 milion\u00e1rom<\/li>\n<li>Ktor\u00e9 dlhy s\u00fa dobr\u00e9 a ktor\u00e9 ve\u013emi nie<\/li>\n<\/ul>\n<h2><span style=\"color: #ec8124;\"><b>1. \u00c1no, na d\u00f4chodok je potrebn\u00e9 myslie\u0165 u\u017e teraz<\/b><\/span><\/h2>\n<p>Dobrou spr\u00e1vou je, \u017ee ak ste vst\u00fapili do zamestnania po 1. m\u00e1ji 2023, automaticky ste vst\u00fapili aj do II. piliera. \u00a0Ak ste aj ako nov\u00fd sporite\u013e nevykonali \u017eiadnu aktivitu, \u0161t\u00e1t v\u00e1m jednoducho pridelil jednu z d\u00f4chodcovsk\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed.<\/p>\n<p>E\u0161te lep\u0161ou spr\u00e1vou je, \u017ee v\u00e1m bola automaticky nastaven\u00e1 predvolen\u00e1 investi\u010dn\u00e1 strat\u00e9gia, ktorej cie\u013eom je, aby va\u0161e odvody zbyto\u010dne nekon\u010dili v konzervat\u00edvnych fondoch a aby ste sa tak neoberali o bud\u00face v\u00fdnosy. \u010clovek, ktor\u00fd e\u0161te len za\u010d\u00edna pracova\u0165 m\u00e1 toti\u017e pred sebou nieko\u013eko desa\u0165ro\u010d\u00ed, po\u010das ktor\u00fdch bude zar\u00e1ba\u0165 a preto si m\u00f4\u017ee dovoli\u0165 spori\u0165 v rizikovej\u0161\u00edch indexov\u00fdch fondoch.<\/p>\n<p>Lep\u0161\u00edm rie\u0161en\u00edm ako necha\u0165 v\u0161etko na \u0161t\u00e1t, je v\u0161ak vybra\u0165 si spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165 pod\u013ea seba. Ak sa v\u00a0ich \u00a0ponuk\u00e1ch neviete zorientova\u0165, obr\u00e1\u0165te sa na odborn\u00edka, ktor\u00fd v\u00e1m pr\u00edpadn\u00e9 rozdiely vysvetl\u00ed. T\u00e1 najd\u00f4le\u017eitej\u0161ia rada je v\u0161ak ve\u013emi jednoduch\u00e1. Osta\u0148te v druhom pilieri, nevystupujte z neho a neme\u0148te predvolen\u00fa investi\u010dn\u00fa strat\u00e9giu.<\/p>\n<h2><span style=\"color: #ec8124;\"><b>2. Nie, pravdepodobne v\u00e1m d\u00f4chodok zo \u0161t\u00e1tu nebude sta\u010di\u0165\u00a0<\/b><\/span><\/h2>\n<p>Zlou spr\u00e1vou je, \u017ee v\u00e1\u0161 d\u00f4chodok o\u00a030 alebo 40 rokov pravdepodobne nebude ve\u013emi vysok\u00fd. D\u00f4vod je jednoduch\u00fd &#8211;\u00a0 doteraz pracovalo ve\u013ea \u013eud\u00ed na m\u00e1lo d\u00f4chodcov, v bud\u00facnosti bude pracova\u0165 m\u00e1lo \u013eud\u00ed na ve\u013ea d\u00f4chodcov.<\/p>\n<p>\u010co s t\u00fdm? Jednou z mo\u017enost\u00ed je prida\u0165 si k druh\u00e9mu pilieru aj tret\u00ed pilier. Pravdou v\u0161ak je, \u017ee jeho v\u00fdkonnos\u0165 je ni\u017e\u0161ia napr\u00edklad v porovnan\u00ed s ETF fondami a z\u00e1rove\u0148 s\u00fa jeho poplatky vy\u0161\u0161ie. Pozit\u00edvom v\u0161ak je jeho da\u0148ov\u00e9 zv\u00fdhodnenie.<\/p>\n<p>Tret\u00ed pilier sa oplat\u00ed hlavne vtedy, ak v\u00e1m do neho prispieva aj zamestn\u00e1vate\u013e, ide\u00e1lne aspo\u0148 takou sumou, ak\u00fa do neho posielate. Ke\u010f\u017ee da\u0148ov\u00e1 \u00fa\u013eava sa po\u010d\u00edta len zo sumy 180 eur, posielajte do neho maxim\u00e1lne 180 eur ro\u010dne, \u010di\u017ee 15 eur mesa\u010dne.<\/p>\n<p>Ak m\u00e1te priestor spori\u0165 si v\u00e4\u010d\u0161iu sumu, mali by ste ju pravidelne investova\u0165, av\u0161ak mimo tretieho piliera.<\/p>\n<p><strong><em>Viac o tre\u0165om pilieri sa do\u010d\u00edtate v blogu: <a href=\"https:\/\/www.fingo.sk\/blog\/treti-pilier-je-danovo-zvyhodneny\/\">3. pilier &#8211; Ak\u00e9 m\u00e1 v\u00fdhody a \u010do o \u0148om treba vedie\u0165<\/a><\/em><\/strong><\/p>\n<h2><span style=\"color: #ec8124;\"><b><strong>3. \u010c\u00edm sk\u00f4r za\u010dnete investova\u0165, t\u00fdm sk\u00f4r sa stanete milion\u00e1rom<\/strong>\u00a0<\/b><\/span><\/h2>\n<p>Iste, komu by sa chcelo investova\u0165 a \u010daka\u0165 dlh\u00e9 roky na v\u00fdnos, ke\u010f m\u00f4\u017ee peniaze min\u00fa\u0165 ihne\u010f. Probl\u00e9mom je, \u017ee ke\u010f si v \u0161es\u0165desiatke uvedom\u00edte, \u017ee do d\u00f4chodku u\u017e m\u00e1te len p\u00e1r rokov, je u\u017e na investovanie neskoro. Nejde len o to, \u017ee za 40 rokov si odlo\u017e\u00edte viac pe\u0148az\u00ed ako za p\u00e4\u0165 rokov, z\u00e1sadn\u00fa rolu tu zohr\u00e1va takzvan\u00fd zlo\u017een\u00fd \u00farok.<\/p>\n<p>O \u010do ide? Princ\u00edp zlo\u017een\u00e9ho \u00faroku spo\u010d\u00edva v tom, \u017ee \u00farok z investovan\u00fdch pe\u0148az\u00ed ost\u00e1va na \u00fa\u010dte a \u010falej sa zhodnocuje. Nast\u00e1va efekt snehovej gule a \u00faroky naberaj\u00fa na sile. Tento jav sa v\u0161ak naplno prejav\u00ed a\u017e po dlh\u0161om \u010dase. V priebehu prv\u00fdch rokov je takmer nevidite\u013en\u00fd, no postupne sa jeho sila zv\u00e4\u010d\u0161uje.<\/p>\n<p><iframe class=\"flourish-embed-iframe\" style=\"width: 100%; height: 600px;\" title=\"Interactive or visual content\" src=\"https:\/\/flo.uri.sh\/visualisation\/15005881\/embed\" frameborder=\"0\" scrolling=\"no\" sandbox=\"allow-same-origin allow-forms allow-scripts allow-downloads allow-popups allow-popups-to-escape-sandbox allow-top-navigation-by-user-activation\"><\/iframe><\/p>\n<div style=\"width: 100%!; margin-top: 4px!important; text-align: right!important;\"><a class=\"flourish-credit\" style=\"text-decoration: none!important;\" href=\"https:\/\/public.flourish.studio\/visualisation\/15005881\/?utm_source=embed&amp;utm_campaign=visualisation\/15005881\" target=\"_top\" rel=\"noopener\"><img decoding=\"async\" style=\"width: 105px!important; height: 16px!important; border: none!important; margin: 0!important;\" src=\"https:\/\/public.flourish.studio\/resources\/made_with_flourish.svg\" alt=\"Made with Flourish\" \/> <\/a><\/div>\n<p>Samozrejme, to neznamen\u00e1, \u017ee investova\u0165 sa ned\u00e1 aj na krat\u0161om \u010dasovom horizonte. Ak si chcete o p\u00e1r rokov k\u00fapi\u0165 nov\u00e9 auto, zvo\u013ete si jednoducho konzervat\u00edvnej\u0161iu investi\u010dn\u00fa strat\u00e9giu.<\/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-7080 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" width=\"1024\" height=\"768\" \/><\/a><\/p>\n<p><em><strong>Zauj\u00edma v\u00e1s investovanie? Viac o tom, ako a kde investova\u0165 sa do\u010d\u00edtate v blogu: <a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\">Investovanie pe\u0148az\u00ed v roku 2023: Rady pre za\u010d\u00ednaj\u00facich investorov<\/a><\/strong><\/em><\/p>\n<h2><span style=\"color: #ec8124;\"><b>4. Nie, nie ste nesmrte\u013en\u00fd, im\u00fanny ani nezranite\u013en\u00fd\u00a0<\/b><\/span><\/h2>\n<p>Ak je nejak\u00e1 t\u00e9ma, ktorou sa mlad\u00ed \u013eudia zaoberaj\u00fa e\u0161te menej ako svojim bud\u00facim d\u00f4chodkom, tak je to \u017eivotn\u00e9 poistenie. Bohu\u017eia\u013e, neuvedomuj\u00fa si, \u017ee v\u00e1\u017ene choroby a \u00farazy sa m\u00f4\u017eu prihodi\u0165 kedyko\u013evek a komuko\u013evek. Nad poisten\u00edm auta sa u\u017e nikto nepozastavuje, av\u0161ak poistenie n\u00e1\u0161ho vlastn\u00e9ho zdravia a \u017eivota e\u0161te st\u00e1le nie je samozrejmos\u0165ou.<\/p>\n<p>A pre\u010do je v\u00fdhodn\u00e9 poisti\u0165 sa u\u017e v mladom veku? Pri cene poistenia zohr\u00e1va ve\u013emi d\u00f4le\u017eit\u00fa rolu vstupn\u00fd vek klienta. \u010c\u00edm sk\u00f4r sa poist\u00edte, t\u00fdm to bude pre v\u00e1s lep\u0161ie, aj lacnej\u0161ie. Ak do poistenia vst\u00fapite v neskor\u0161om veku, pr\u00edpadne u\u017e aj so zdravotn\u00fdmi komplik\u00e1ciami, budete si musie\u0165 priplati\u0165, alebo sa m\u00f4\u017ee sta\u0165, \u017ee v\u00e1s pois\u0165ov\u0148a u\u017e nepoist\u00ed v\u00f4bec.<\/p>\n<p><a href=\"https:\/\/www.fingo.sk\/zivotne-poistenie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=zivot_gif\"><img decoding=\"async\" class=\"alignnone size-full wp-image-6529\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2022\/09\/Fingo.sk-zivotne-poistenie-kalkulacka.gif\" alt=\"Fingo.sk \u017eivotn\u00e9 poistenie kalkula\u010dka\" width=\"1024\" height=\"768\" \/><\/a><\/p>\n<p><em><strong>O tejto t\u00e9me sa dozviete viac v blogu: <a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vybrat-zivotne-poistenie-a-co-ma-obsahovat\/\">Ako si vybra\u0165 \u017eivotn\u00e9 poistenie v roku 2023 a \u010do m\u00e1 obsahova\u0165<\/a>.<\/strong><\/em><\/p>\n<h2><span style=\"color: #ec8124;\"><b>5. Najprv si na\u0161etrite na finan\u010dn\u00fa rezervu. Potom na v\u0161etko ostatn\u00e9\u00a0<\/b><\/span><\/h2>\n<p>E\u0161te sk\u00f4r, ne\u017e sa pust\u00edte do investovania, \u010di sporenia na d\u00f4chodok, mali by ste si vytvori\u0165 dostato\u010dn\u00fa finan\u010dn\u00fa rezervu. Ide o peniaze, ktor\u00e9 by ste mali ma\u0165 odlo\u017een\u00e9 pre pr\u00edpad neo\u010dak\u00e1van\u00fdch v\u00fddavkov. Posl\u00fa\u017eia v\u00e1m, ke\u010f sa v\u00e1m pokaz\u00ed pr\u00e1\u010dka, pr\u00eddete o pr\u00e1cu a potrebujete vykry\u0165 v\u00fdpadok pr\u00edjmov alebo sa v\u00e1m zn\u00ed\u017ei pr\u00edjem kv\u00f4li dlh\u0161ej PN.<\/p>\n<p>Vytvorte si tak\u00fa finan\u010dn\u00fa rezervu, ktor\u00e1 pokryje celkov\u00e9 v\u00fddavky va\u0161ej dom\u00e1cnosti na obdobie 3 \u2013 6 mesiacov. V\u00fd\u0161ka rezervy by sa mala odv\u00edja\u0165 aj od va\u0161ej osobnej a\u00a0rodinnej situ\u00e1cie. Program\u00e1tor z Bratislavy bez hypot\u00e9ky a ak\u00fdchko\u013evek z\u00e1v\u00e4zkov je v \u00faplne inej poz\u00edcii, ako manu\u00e1lne pracuj\u00faci \u010dlovek z chudobnej\u0161ieho regi\u00f3nu, od ktor\u00e9ho pr\u00edjmu z\u00e1vis\u00ed cel\u00e1 rodina.<\/p>\n<p>Finan\u010dn\u00e1 rezerva by mala by\u0165 k dispoz\u00edcii ihne\u010f, preto nie je vhodn\u00e9 ma\u0165 ju investovan\u00fa napr\u00edklad v rizikov\u00fdch akci\u00e1ch. V pr\u00edpade poklesov na akciovom trhu by ste boli n\u00faten\u00fd vybera\u0165 svoje peniaze so stratou. \u010cas\u0165 finan\u010dnej rezervy ja vhodn\u00e9 ma\u0165 na bankovom \u00fa\u010dte, ide\u00e1lne na takom, ktor\u00fd je oddelen\u00fd od hlavn\u00e9ho \u00fa\u010dtu. Druh\u00fa \u010das\u0165 m\u00f4\u017eete konzervat\u00edvne investova\u0165, tak aby sa aj tieto peniaze zhodnocovali, ale z\u00e1rove\u0148 aby ich hodnota nikdy v\u00fdrazne neklesla.<\/p>\n<h2><span style=\"color: #ec8124;\"><b><strong>6. Hlavne sa nezadl\u017ete<\/strong>\u00a0<\/b><\/span><\/h2>\n<p>Na svete je mno\u017estvo vec\u00ed, na ktor\u00e9 v\u00e1m v\u00a0tejto chv\u00edli v\u00fdplata jednoducho nesta\u010d\u00ed. Po\u017ei\u010da\u0165 si na ne v\u0161ak zv\u00e4\u010d\u0161a nie je dobr\u00fd n\u00e1pad. Ka\u017ed\u00fd by sa mal prikr\u00fdva\u0165 len takou perinou, na ak\u00fa m\u00e1.<\/p>\n<p>Neberte si preto \u00favery, ktor\u00e9 naozaj nepotrebujete. Vyhnite sa kreditk\u00e1m, spotrebn\u00fdm \u00faverom a predov\u0161etk\u00fdm p\u00f4\u017ei\u010dk\u00e1m z r\u00f4znych ned\u00f4veryhodn\u00fdch zdrojov. Ak nem\u00e1te tak\u00fd pr\u00edjem, aby ste si na\u0161etrili na dovolenku v Karibiku, mo\u017eno bude rozumnej\u0161ie \u00eds\u0165 do Chorv\u00e1tska. V\u00fdnimkou z tohto pravidla je ur\u010dite hypot\u00e9ka, pr\u00edpadne \u00faver na rekon\u0161trukciu b\u00fdvania, ktor\u00fd v\u00e1m v bud\u00facnosti prinesie zn\u00ed\u017eenie n\u00e1kladov.<br \/><br \/><div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n<br \/><span style=\"font-weight: 400;\">Zd\u00e1 sa v\u00e1m to v\u0161etko komplikovan\u00e9? <a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>Finan\u010dn\u00ed sprostredkovatelia z FinGO.sk<\/strong><\/a> v\u00e1m radi pom\u00f4\u017eu. N\u00e1jdete n\u00e1s na celom Slovensku a mnoh\u00e9 produkty v\u00e1m vieme uzatvori\u0165 a sprostredkova\u0165 <strong>aj online<\/strong>.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zavolajte n\u00e1m na<strong> <span style=\"color: #ec8124;\"><a href=\"tel:0800601060\">0800 60 10 60<\/a>\u00a0<\/span><\/strong>alebo n\u00e1m<strong> zanechajte va\u0161e \u00fadaje<\/strong> a spoj\u00edme v\u00e1s so sk\u00fasen\u00fdm makl\u00e9rom, ktor\u00fd v\u00e1m porad\u00ed.\u00a0<\/span><\/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\/7984#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<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Za\u010dali ste ned\u00e1vno pracova\u0165, na \u00fa\u010det v\u00e1m u\u017e chodia peniaze a zatia\u013e sa v\u00e1m ich dar\u00ed min\u00fa\u0165 do posledn\u00e9ho eura? Alebo sa v\u00e1m finan\u010dn\u00e9 prostriedky hromadia na \u00fa\u010dte a vy prem\u00fd\u0161\u013eate, \u010do s nimi? Tu je nieko\u013eko r\u00e1d, ako si nastavi\u0165 svoje financie spr\u00e1vne a hne\u010f od prvej v\u00fdplaty. V \u010dl\u00e1nku sa do\u010d\u00edtate:\u00a0 Kedy si za\u010da\u0165 spori\u0165 na d\u00f4chodok Ako si zv\u00fd\u0161i\u0165 d\u00f4chodok a \u010di je na to vhodn\u00fd tret\u00ed pilier Ako sa sta\u0165 milion\u00e1rom Ktor\u00e9 dlhy s\u00fa dobr\u00e9 a ktor\u00e9 ve\u013emi nie 1. \u00c1no, na d\u00f4chodok je potrebn\u00e9 myslie\u0165 u\u017e teraz Dobrou spr\u00e1vou je, \u017ee ak ste vst\u00fapili do zamestnania po 1. m\u00e1ji 2023, automaticky ste vst\u00fapili aj do II. piliera. \u00a0Ak ste aj ako nov\u00fd sporite\u013e nevykonali \u017eiadnu aktivitu, \u0161t\u00e1t v\u00e1m jednoducho pridelil jednu z d\u00f4chodcovsk\u00fdch spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed. E\u0161te lep\u0161ou spr\u00e1vou je, \u017ee v\u00e1m bola automaticky nastaven\u00e1 predvolen\u00e1 investi\u010dn\u00e1 strat\u00e9gia, ktorej cie\u013eom je, aby va\u0161e odvody zbyto\u010dne nekon\u010dili v konzervat\u00edvnych fondoch a aby ste sa tak neoberali o bud\u00face v\u00fdnosy. \u010clovek, ktor\u00fd e\u0161te len za\u010d\u00edna pracova\u0165 m\u00e1 toti\u017e pred sebou nieko\u013eko desa\u0165ro\u010d\u00ed, po\u010das ktor\u00fdch bude zar\u00e1ba\u0165 a preto si m\u00f4\u017ee dovoli\u0165 spori\u0165 v rizikovej\u0161\u00edch indexov\u00fdch fondoch. Lep\u0161\u00edm rie\u0161en\u00edm ako necha\u0165 v\u0161etko na \u0161t\u00e1t, je v\u0161ak vybra\u0165 si spr\u00e1vcovsk\u00fa [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":7999,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73,15],"tags":[52,50,89],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>6 finan\u010dn\u00fdch r\u00e1d absolventom, ktor\u00fdm pr\u00e1ve pri\u0161la prv\u00e1 v\u00fdplata - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Za\u010dali ste ned\u00e1vno pracova\u0165, na \u00fa\u010det v\u00e1m u\u017e chodia peniaze a zatia\u013e sa v\u00e1m ich dar\u00ed min\u00fa\u0165 do posledn\u00e9ho eura? 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