{"id":8817,"date":"2024-03-19T15:52:11","date_gmt":"2024-03-19T14:52:11","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=8817"},"modified":"2024-06-04T11:19:07","modified_gmt":"2024-06-04T09:19:07","slug":"konzervativne-investicie-opat-zarabaju-vyuzite-to","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/konzervativne-investicie-opat-zarabaju-vyuzite-to\/","title":{"rendered":"Konzervat\u00edvne invest\u00edcie op\u00e4\u0165 zar\u00e1baj\u00fa. Vyu\u017eite to"},"content":{"rendered":"\n<p><strong>O konzervat\u00edvne investi\u010dn\u00e9 produkty nebol v \u010dase lacn\u00fdch pe\u0148az\u00ed kv\u00f4li n\u00edzkym \u00farokom ve\u013ek\u00fd z\u00e1ujem. Dnes je situ\u00e1cia presne opa\u010dn\u00e1. Vy\u0161\u0161ie \u00faroky vid\u00edme nielen na hypot\u00e9kach, ale aj na sporiacich produktoch. Zauj\u00edmav\u00e9 s\u00fa aj r\u00f4zne konzervat\u00edvne fondy, ktor\u00e9 umo\u017e\u0148uj\u00fa zhodnocova\u0165 financie t\u00fdm, ktor\u00ed pl\u00e1nuj\u00fa pou\u017ei\u0165 peniaze v bl\u00edzkej dobe alebo jednoducho nie s\u00fa ochotn\u00ed zn\u00e1\u0161a\u0165 vy\u0161\u0161ie riziko, ktor\u00e9 je spojen\u00e9 napr\u00edklad s investovan\u00edm do akci\u00ed.&nbsp;&nbsp;<\/strong><\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-kr-tkodob-investovanie\">Kr\u00e1tkodob\u00e9 investovanie<\/a><\/li><li class=\"\"><a href=\"#htoc-vy-ia-bezpe-nos-ni-v-nos\">Vy\u0161\u0161ia bezpe\u010dnos\u0165, ni\u017e\u0161\u00ed v\u00fdnos<\/a><\/li><li class=\"\"><a href=\"#htoc-1-sporiace-ty\">1. Sporiace \u00fa\u010dty<\/a><\/li><li class=\"\"><a href=\"#htoc-2-term-novan-vklady\">2. Term\u00ednovan\u00e9 vklady<\/a><\/li><li class=\"\"><a href=\"#htoc-3-konzervat-vne-fondy\">3. Konzervat\u00edvne fondy<\/a><\/li><li class=\"\"><a href=\"#htoc-a-o-zlato-je-vhodn-pre-konzervat-vnych-investorov\">A \u010do zlato? Je vhodn\u00e9 pre konzervat\u00edvnych investorov?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Zvy\u0161ovanie \u00farokov\u00fdch sadzieb centr\u00e1lnymi bankami sa zastavilo a k zni\u017eovaniu sa zatia\u013e neodhodlala ani Americk\u00e1 centr\u00e1lna banka (FED), ani Eur\u00f3pska centr\u00e1lna banka (ECB) . Nach\u00e1dzame sa v obdob\u00ed, ktor\u00e9 je ve\u013emi priazniv\u00e9 aj pre konzervat\u00edvnych investorov. Ak aj vy patr\u00edte medzi t\u00fdch, ktor\u00ed zbyto\u010dne dr\u017eia na svojom \u00fa\u010dte vysok\u00fa hotovos\u0165, vyu\u017eite to.<\/p>\n\n\n\n<p>E\u0161te doned\u00e1vna bolo pre opatrnej\u0161\u00edch investorov probl\u00e9mom n\u00e1js\u0165 produkt, ktor\u00fd by im pon\u00fakol aspo\u0148 nieko\u013ekopercentn\u00fd v\u00fdnos a&nbsp;z\u00e1rove\u0148 n\u00edzke investi\u010dn\u00e9 riziko. To sa v\u010faka vy\u0161\u0161\u00edm \u00farokov\u00fdm sadzb\u00e1m zmenilo.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-kr-tkodob-investovanie\" style=\"color:#ec8124\"><strong>Kr\u00e1tkodob\u00e9 investovanie<\/strong><\/h2>\n\n\n\n<p>Ke\u010f ste pred dvomi rokmi vlo\u017eili peniaze na sporiaci \u00fa\u010det, dostali ste pravdepodobne \u00farok bl\u00ed\u017eiaci sa nule. In\u00fdmi slovami, va\u0161e peniaze nezarobili prakticky ni\u010d. Na term\u00ednovan\u00fdch vkladoch \u00faroky tie\u017e \u010dasto nedosahovali ani len 1 %.<\/p>\n\n\n\n<p>V \u00e9re lacn\u00fdch pe\u0148az\u00ed boli mo\u017enosti kr\u00e1tkodob\u00fdch invest\u00edci\u00ed v\u00fdrazne obmedzen\u00e9. Pri nulovej infl\u00e1cii a&nbsp;minim\u00e1lnom zhodnoten\u00ed bolo pre \u013eud\u00ed pohodlnej\u0161ie necha\u0165 si peniaze len tak na \u00fa\u010dte. Dnes je situ\u00e1cia in\u00e1. Na jednej strane n\u00e1m vysok\u00e1 infl\u00e1cia r\u00fdchlo znehodnocuje \u00faspory, na strane druhej sa za posledn\u00fd rok objavilo nieko\u013eko mo\u017enost\u00ed, ako m\u00f4\u017eete investova\u0165 peniaze kr\u00e1tkodobo, s n\u00edzkym rizikom a&nbsp;celkom slu\u0161n\u00fdm zhodnoten\u00edm.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_01.png\" alt=\"\" class=\"wp-image-8821\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_01.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_01-300x161.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_01-768x413.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Ak <a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-budu-potrebovat-dnesne-deti-na-vlastne-byvanie-a-ako-im-ich-nasetrit\/\">spor\u00edte pre deti <\/a>alebo si \u0161etr\u00edte na d\u00f4chodok, tak konzervat\u00edvne investovanie pre v\u00e1s nem\u00e1 ve\u013ek\u00fd v\u00fdznam. Pri investi\u010dnom horizonte 15 \u010di 20 rokov je potrebn\u00e9 voli\u0165 rizikovej\u0161ie invest\u00edcie, napr\u00edklad akciov\u00e9 fondy (ako investova\u0165 dlhodobo sa dozviete v <a href=\"https:\/\/www.fingo.sk\/blog\/bude-vam-na-dochodku-stacit-penzia-vo-vyske-polovicneho-platu\/\">tomto blogu<\/a>). \u010co v\u0161ak robi\u0165 v&nbsp;pr\u00edpade, ke\u010f je v\u00e1\u0161 investi\u010dn\u00fd horizont dva \u010di tri roky? Alebo v&nbsp;pr\u00edpade, \u017ee potrebuje ma\u0165 peniaze kedyko\u013evek k&nbsp;dispoz\u00edcii a&nbsp;nem\u00f4\u017ee si dovoli\u0165 riskova\u0165, \u017ee hodnota va\u0161ej&nbsp; invest\u00edcie poklesne o&nbsp;20 %?<\/p>\n\n\n\n<p>Pr\u00e1ve na tento \u00fa\u010del sl\u00fa\u017eia n\u00e1stroje kr\u00e1tkodob\u00e9ho investovania.<\/p>\n\n\n\n<p>Tie s\u00fa vhodn\u00e9 v&nbsp;t\u00fdchto situ\u00e1ci\u00e1ch:<\/p>\n\n\n\n<ul>\n<li>Ke\u010f nechcete riskova\u0165 pokles hodnoty va\u0161ej invest\u00edcie<\/li>\n\n\n\n<li>Ke\u010f viete, \u017ee budete investovan\u00e9 peniaze v&nbsp;horizonte p\u00e1r rokov potrebova\u0165<\/li>\n\n\n\n<li>Ke\u010f ste si vybudovali finan\u010dn\u00fa rezervu, ale nechcete ju necha\u0165 len tak le\u017ea\u0165 na \u00fa\u010dte\n<ul>\n<li><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><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 class=\"has-text-color\" id=\"htoc-vy-ia-bezpe-nos-ni-v-nos\" style=\"color:#ec8124\"><strong>Vy\u0161\u0161ia bezpe\u010dnos\u0165, ni\u017e\u0161\u00ed v\u00fdnos<\/strong><\/h2>\n\n\n\n<p>Kr\u00e1tkodob\u00e9 invest\u00edcie v\u00e1m zv\u00e4\u010d\u0161a nezarobia to\u013eko, ako dlhodobej\u0161ie, rizikovej\u0161ie investi\u010dn\u00e9 produkty. Cenou za vy\u0161\u0161iu bezpe\u010dnos\u0165, teda minim\u00e1lne riziko poklesu hodnoty invest\u00edcie, je ni\u017e\u0161\u00ed v\u00fdnos. Tu je nieko\u013eko mo\u017enost\u00ed, kam m\u00f4\u017eete vlo\u017ei\u0165 peniaze pri investi\u010dnom horizonte krat\u0161om ako tri roky.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-1-sporiace-ty\" style=\"color:#ec8124\"><strong>1. Sporiace \u00fa\u010dty<\/strong><\/h2>\n\n\n\n<p>Sporiace \u00fa\u010dty predstavuj\u00fa jeden z najbezpe\u010dnej\u0161\u00edch sp\u00f4sobov ulo\u017eenia \u00faspor. V\u00fdhodou je, \u017ee peniaze ulo\u017een\u00e9 na va\u0161om sporiacom \u00fa\u010dte s\u00fa v\u00e1m kedyko\u013evek k&nbsp;dispoz\u00edcii a&nbsp;sporiaci \u00fa\u010det pon\u00faka prakticky ka\u017ed\u00e1 banka na trhu.<\/p>\n\n\n\n<p>Najv\u00e4\u010d\u0161ou nev\u00fdhodou je ve\u013emi n\u00edzke zhodnotenie, ktor\u00e9 e\u0161te navy\u0161e podlieha zdaneniu.\u00daroky na sporiacich \u00fa\u010dtoch s\u00fa zv\u00e4\u010d\u0161a ni\u017e\u0161ie ako 1 %, hoci v&nbsp;poslednej dobe pri\u0161lo viacero b\u00e1nk s&nbsp;akciov\u00fdmi ponukami, ktor\u00e9 sa u\u017e pribli\u017euj\u00fa zhodnoteniu na term\u00ednovan\u00fdch vkladoch.<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-2-term-novan-vklady\" style=\"color:#ec8124\"><strong>2. Term\u00ednovan\u00e9 vklady<\/strong><\/h2>\n\n\n\n<p>Term\u00ednovan\u00fd vklad predstavuje o&nbsp;\u010dosi lep\u0161iu pr\u00edle\u017eitos\u0165 na efekt\u00edvne zhodnotenie \u00faspor ako sporiaci \u00fa\u010det. Pon\u00faka minim\u00e1lne riziko a predv\u00eddate\u013en\u00fd v\u00fdnos.<\/p>\n\n\n\n<p>Pri zriaden\u00ed term\u00ednovan\u00e9ho vkladu si m\u00f4\u017eete vybra\u0165 dobu fix\u00e1cie, po\u010das ktorej bud\u00fa va\u0161e finan\u010dn\u00e9 prostriedky zhodnocovan\u00e9 vopred stanovenou sadzbou. Nev\u00fdhodou je, \u017ee v pr\u00edpade potreby si s\u00edce budete m\u00f4c\u0165 vybra\u0165 peniaze pred\u010dasne, av\u0161ak kv\u00f4li vysok\u00fdm poplatkom pr\u00eddete prakticky o cel\u00fd v\u00fdnos. Pon\u00fakan\u00e9 \u00faroky sa moment\u00e1lne pohybuj\u00fa okolo 2 % a\u017e 3 %, je v\u0161ak potrebn\u00e9 si da\u0165 pozor na r\u00f4zne podmienky, ktor\u00e9 m\u00f4\u017eu by\u0165 s\u00fa\u010das\u0165ou ponuky.<\/p>\n\n\n\n<p>V\u00fdnos z&nbsp;term\u00ednovan\u00fdch vkladov taktie\u017e podlieha zdaneniu. Ak vlo\u017e\u00edte 10 000 eur na term\u00ednovan\u00fd vklad s 3 % \u00farokom, v\u00e1\u0161 ro\u010dn\u00fd v\u00fdnos bude 300 eur. Z neho v\u0161ak zaplat\u00edte 19 % da\u0148, \u010di\u017ee 57 eur. Re\u00e1lny v\u00fdnos tak nebude 300 eur, ale len 243 eur.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-3-konzervat-vne-fondy\" style=\"color:#ec8124\"><strong>3. Konzervat\u00edvne fondy<\/strong><\/h2>\n\n\n\n<p>Ak v\u00e1m nevyhovuje viazanos\u0165 prostriedkov pri term\u00ednovan\u00fdch vkladoch a&nbsp;chcete vy\u0161\u0161ie zhodnotenie ako pri sporiacich \u00fa\u010dtoch, rie\u0161en\u00edm m\u00f4\u017ee by\u0165 investovanie do konzervat\u00edvnych podielov\u00fdch alebo ETF fondov. Z&nbsp;poh\u013eadu be\u017en\u00e9ho \u010dloveka je medzi nimi hlavne ten rozdiel, \u017ee ETF fondy s\u00fa osloboden\u00e9 od dane po viac ako ro\u010dnom dr\u017ean\u00ed.<\/p>\n\n\n\n<p>V&nbsp;\u010dase vysok\u00fdch \u00farokov\u00fdch sadzieb s\u00fa dobr\u00fdm rie\u0161en\u00edm fondy pe\u0148a\u017en\u00e9ho trhu, ktor\u00e9 s\u00fa v&nbsp;r\u00e1mci ETF fondov tou najmenej riskantnou mo\u017enos\u0165ou. Vhodnou alternat\u00edvou s\u00fa aj kr\u00e1tkodob\u00e9 vl\u00e1dne \u010di korpor\u00e1tne dlhopisy. Tie predstavuj\u00fa o&nbsp;\u010dosi rizikovej\u0161iu, av\u0161ak st\u00e1le pomerne bezpe\u010dn\u00fa formu invest\u00edcie.<\/p>\n\n\n\n<p>V&nbsp;s\u00fa\u010dasnosti s\u00fa u\u017e na trhu aj produkty, ktor\u00e9 kombinuj\u00fa viacero tak\u00fdchto fondov v&nbsp;jednom bal\u00ed\u010dku. V\u010faka vy\u0161\u0161ej diverzifik\u00e1cii je tak riziko poklesu hodnoty invest\u00edcie e\u0161te ni\u017e\u0161ie. V\u00fdnosy sa m\u00f4\u017eu v s\u00fa\u010dasnosti pohybova\u0165 od 2 % do 4 %. V\u00fdhodou je u\u017e spom\u00ednan\u00e9 oslobodenie od zdanenia v&nbsp;pr\u00edpade ETF fondov.<\/p>\n\n\n\n<p><strong><em>O ETF fondoch sa m\u00f4\u017eete dozvedie\u0165 viac v blogu: <a href=\"https:\/\/www.fingo.sk\/blog\/co-su-to-etf-fondy-a-ake-su-ich-vyhody\/\">\u010co s\u00fa to ETF fondy a ak\u00e9 s\u00fa ich v\u00fdhody<\/a><\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"551\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_02-A-1.png\" alt=\"\" class=\"wp-image-8822\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_02-A-1.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_02-A-1-300x161.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/03\/kratkodobe-investovani_02-A-1-768x413.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"has-text-color\" id=\"htoc-a-o-zlato-je-vhodn-pre-konzervat-vnych-investorov\" style=\"color:#ec8124\"><strong>A \u010do zlato? Je vhodn\u00e9 pre konzervat\u00edvnych investorov?<\/strong><\/h2>\n\n\n\n<p>Ak h\u013ead\u00e1te bezpe\u010dn\u00fa invest\u00edciu, ktorej m\u00f4\u017eu d\u00f4verova\u0165, tak je pre v\u00e1s zlato vhodnou alternat\u00edvou. Je overen\u00e9 st\u00e1ro\u010diami, v\u017edy malo, m\u00e1 a s ve\u013ekou pravdepodobnos\u0165ou aj bude ma\u0165 hodnotu. Je ide\u00e1lne pre investora, ale aj be\u017en\u00e9ho \u010dloveka, ktor\u00fd chce chr\u00e1ni\u0165 svoj majetok pred infl\u00e1ciou, ale aj pred ekonomick\u00fdmi a politick\u00fdm rizikami.<\/p>\n\n\n\n<p>Zlato je dobrou vo\u013ebou predov\u0161etk\u00fdm pre investorov s dlh\u0161\u00edm \u010dasov\u00fdm horizontom, jeho cena je toti\u017e&nbsp; volatiln\u00e1 a m\u00f4\u017ee tak doch\u00e1dza\u0165 k poklesom hodnoty invest\u00edcie. Aktu\u00e1lne sme v\u0161ak svedkami ve\u013ek\u00fdch geopolitick\u00fdch turbulenci\u00ed, v bl\u00edzkej dobe n\u00e1s \u010dak\u00e1 viacero d\u00f4le\u017eit\u00fdch volieb a z\u00e1rove\u0148 Spojen\u00e9 \u0161t\u00e1ty, najv\u00e4\u010d\u0161ia svetov\u00e1 ekonomika, bud\u00fa musie\u0165 rie\u0161i\u0165 probl\u00e9m s obrovsk\u00fdm dlhom. Vzh\u013eadom na tieto okolnosti m\u00f4\u017ee by\u0165 zlato aj v&nbsp;krat\u0161om horizonte (3 &#8211; 5 rokov) dobrou vo\u013ebu na diverzifik\u00e1ciu investi\u010dn\u00e9ho portf\u00f3lia.&nbsp;<\/p>\n\n\n\n<p><strong><em>Viac inform\u00e1ci\u00ed o zlate n\u00e1jdete v blogu: <a href=\"https:\/\/www.fingo.sk\/blog\/sporenie-do-zlata-je-lepsie-fyzicke-ci-papierove\/\">Sporenie do zlata: Je lep\u0161ie fyzick\u00e9 \u010di papierov\u00e9?<\/a><\/em><\/strong><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<p>Fundovan\u00fd&nbsp;<a href=\"https:\/\/www.fingo.sk\/kontakty\"><strong>finan\u010dn\u00fd sprostredkovate\u013e<\/strong><\/a>&nbsp;v\u00e1m vie&nbsp;<strong>odporu\u010di\u0165<\/strong>&nbsp;rozlo\u017eenie invest\u00edci\u00ed do r\u00f4znych n\u00e1strojov tak, aby&nbsp;<strong>va\u0161e peniaze zar\u00e1bali,<\/strong>&nbsp;ale z\u00e1rove\u0148 aby boli&nbsp;<strong>v bezpe\u010d\u00ed<\/strong>.<\/p>\n\n\n\n<p>V pr\u00edpade ak\u00fdchko\u013evek ot\u00e1zok sa na n\u00e1s nev\u00e1hajte obr\u00e1ti\u0165. Zavolajte n\u00e1m do FinGO.sk na&nbsp;<a href=\"tel:0800601060\"><strong>0800 60 10 60<\/strong><\/a>&nbsp;alebo n\u00e1m zanechajte&nbsp;<strong>kontakt vo formul\u00e1ri ni\u017e\u0161ie<\/strong>&nbsp;a my sa v\u00e1m ozveme.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>O konzervat\u00edvne investi\u010dn\u00e9 produkty nebol v \u010dase lacn\u00fdch pe\u0148az\u00ed kv\u00f4li n\u00edzkym \u00farokom ve\u013ek\u00fd z\u00e1ujem. Dnes je situ\u00e1cia presne opa\u010dn\u00e1. Vy\u0161\u0161ie \u00faroky vid\u00edme nielen na hypot\u00e9kach, ale aj na sporiacich produktoch. Zauj\u00edmav\u00e9 s\u00fa aj r\u00f4zne konzervat\u00edvne fondy, ktor\u00e9 umo\u017e\u0148uj\u00fa zhodnocova\u0165 financie t\u00fdm, ktor\u00ed pl\u00e1nuj\u00fa pou\u017ei\u0165 peniaze v bl\u00edzkej dobe alebo jednoducho nie s\u00fa ochotn\u00ed zn\u00e1\u0161a\u0165 vy\u0161\u0161ie riziko, ktor\u00e9 je spojen\u00e9 napr\u00edklad s investovan\u00edm do akci\u00ed.&nbsp;&nbsp; Zvy\u0161ovanie \u00farokov\u00fdch sadzieb centr\u00e1lnymi bankami sa zastavilo a k zni\u017eovaniu sa zatia\u013e neodhodlala ani Americk\u00e1 centr\u00e1lna banka (FED), ani Eur\u00f3pska centr\u00e1lna banka (ECB) . Nach\u00e1dzame sa v obdob\u00ed, ktor\u00e9 je ve\u013emi priazniv\u00e9 aj pre konzervat\u00edvnych investorov. Ak aj vy patr\u00edte medzi t\u00fdch, ktor\u00ed zbyto\u010dne dr\u017eia na svojom \u00fa\u010dte vysok\u00fa hotovos\u0165, vyu\u017eite to. E\u0161te doned\u00e1vna bolo pre opatrnej\u0161\u00edch investorov probl\u00e9mom n\u00e1js\u0165 produkt, ktor\u00fd by im pon\u00fakol aspo\u0148 nieko\u013ekopercentn\u00fd v\u00fdnos a&nbsp;z\u00e1rove\u0148 n\u00edzke investi\u010dn\u00e9 riziko. To sa v\u010faka vy\u0161\u0161\u00edm \u00farokov\u00fdm sadzb\u00e1m zmenilo. Kr\u00e1tkodob\u00e9 investovanie Ke\u010f ste pred dvomi rokmi vlo\u017eili peniaze na sporiaci \u00fa\u010det, dostali ste pravdepodobne \u00farok bl\u00ed\u017eiaci sa nule. In\u00fdmi slovami, va\u0161e peniaze nezarobili prakticky ni\u010d. Na term\u00ednovan\u00fdch vkladoch \u00faroky tie\u017e \u010dasto nedosahovali ani len 1 %. V \u00e9re lacn\u00fdch pe\u0148az\u00ed boli mo\u017enosti kr\u00e1tkodob\u00fdch invest\u00edci\u00ed v\u00fdrazne obmedzen\u00e9. Pri nulovej infl\u00e1cii a&nbsp;minim\u00e1lnom zhodnoten\u00ed bolo pre \u013eud\u00ed pohodlnej\u0161ie necha\u0165 [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":8818,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[51,49,52],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Konzervat\u00edvne invest\u00edcie op\u00e4\u0165 zar\u00e1baj\u00fa. Vyu\u017eite to - FinGO.sk<\/title>\n<meta name=\"description\" content=\"O konzervat\u00edvne investi\u010dn\u00e9 produkty nebol v \u010dase lacn\u00fdch pe\u0148az\u00ed kv\u00f4li n\u00edzkym \u00farokom ve\u013ek\u00fd z\u00e1ujem. 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Vyu\u017eite to"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/31a11e5b6ec3f8172e290e0d7b31d887","name":"Franti\u0161ek Burda","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/07\/Franti\u0161ek-Burda-FinGO.sk_-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/07\/Franti\u0161ek-Burda-FinGO.sk_-96x96.jpg","caption":"Franti\u0161ek Burda"},"description":"Svet invest\u00edci\u00ed ho za\u010dal zauj\u00edma\u0165 u\u017e po\u010das strednej \u0161koly a po skon\u010den\u00ed vysoko\u0161kolsk\u00e9ho \u0161t\u00fadia sa im za\u010dal venova\u0165 aj profesion\u00e1lne. 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M\u00e1 r\u00e1d pr\u00edrodu, hory, lesy, l\u00faky a zvierat\u00e1.","url":"https:\/\/www.fingo.sk\/blog\/author\/frantisek-burdafingo-sk\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/8817"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=8817"}],"version-history":[{"count":15,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/8817\/revisions"}],"predecessor-version":[{"id":9082,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/8817\/revisions\/9082"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/8818"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=8817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=8817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=8817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}