{"id":5122,"date":"2022-04-19T10:41:35","date_gmt":"2022-04-19T08:41:35","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=5122"},"modified":"2022-05-11T10:55:24","modified_gmt":"2022-05-11T08:55:24","slug":"sporeni-investice","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/","title":{"rendered":"Zhodnocen\u00ed pen\u011bz formou spo\u0159en\u00ed a investic"},"content":{"rendered":"<p><b>Spo\u0159en\u00ed se st\u00e1v\u00e1 st\u00e1le obl\u00edben\u011bj\u0161\u00ed metodou, jak si na\u0161et\u0159it na sv\u00e9 kr\u00e1tkodob\u00e9 a dlouhodob\u00e9 c\u00edle. Mo\u017enost\u00ed, jak zhodnocovat sv\u00e9 \u00faspory, je hned n\u011bkolik \u2013 spo\u0159\u00edc\u00ed \u00fa\u010dty, stavebn\u00ed spo\u0159en\u00ed, term\u00ednovan\u00e9 vklady, penzijn\u00ed spo\u0159en\u00ed. V dne\u0161n\u00edm \u010dl\u00e1nku si jednotliv\u00e9 metody spo\u0159en\u00ed p\u0159edstav\u00edme \u2013 v\u00fdhody, nev\u00fdhody, zhodnocen\u00ed i podm\u00ednky pro sjedn\u00e1n\u00ed.\u00a0<\/b><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Obsah<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f68300d9a51\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #666666;color:#666666\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #666666;color:#666666\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f68300d9a51\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Financni_rezerva\" >Finan\u010dn\u00ed rezerva<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Sporici_ucet\" >Spo\u0159\u00edc\u00ed \u00fa\u010det<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Stavebni_sporeni\" >Stavebn\u00ed spo\u0159en\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Terminovany_vklad\" >Term\u00ednovan\u00fd vklad<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Penzijni_sporeni\" >Penzijn\u00ed spo\u0159en\u00ed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Dluhopisy\" >Dluhopisy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Podilove_fondy\" >Pod\u00edlov\u00e9 fondy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/orangeacademy.cz\/clanky\/sporeni-investice\/#Akcie_komodity_kryptomeny\" >Akcie, komodity, kryptom\u011bny<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Financni_rezerva\"><\/span><b>Finan\u010dn\u00ed rezerva<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ne\u010dekan\u00e9 v\u00fddaje mohou potr\u00e1pit ka\u017ed\u00e9ho z n\u00e1s. Pro v\u0161echny p\u0159\u00edpady je dobr\u00e9 m\u00edt finan\u010dn\u00ed rezervu. Jako naprosto minim\u00e1ln\u00ed rezerva se uv\u00e1d\u00ed 3 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy. Pravideln\u00e9 st\u0159\u00e1d\u00e1n\u00ed \u010d\u00e1stky cca <strong>10 % z va\u0161\u00ed v\u00fdplaty<\/strong> je dobr\u00fd p\u0159edpoklad pro vytvo\u0159en\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/financni-gramotnost\/\" target=\"_blank\" rel=\"noopener\">finan\u010dn\u00ed rezervy<\/a>. Pen\u00edze, kter\u00e9 V\u00e1m zb\u00fdvaj\u00ed po vytvo\u0159en\u00ed rezervy, nen\u00ed kv\u016fli jejich znehodnocov\u00e1n\u00ed dobr\u00e9 nech\u00e1vat le\u017eet na b\u011b\u017en\u00e9m \u00fa\u010dtu nebo v hotovosti v \u0161upl\u00edku.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sporici_ucet\"><\/span><b>Spo\u0159\u00edc\u00ed \u00fa\u010det<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Tento produkt je rychlou a bezpe\u010dnou variantou pro ulo\u017een\u00ed pen\u011bz. Jedn\u00e1 se o lep\u0161\u00ed variantu, ne\u017e nech\u00e1vat sv\u00e9 finance na klasick\u00e9m b\u011b\u017en\u00e9m \u00fa\u010dtu, kter\u00fd neposkytuje \u017e\u00e1dn\u00fd \u00farok. Vklad vlo\u017een\u00fd do spo\u0159\u00edc\u00edho \u00fa\u010dtu je spole\u010dnost\u00ed chr\u00e1n\u011bn\u00fd poji\u0161t\u011bn\u00edm <strong>do 100 tis. EUR<\/strong>. \u00darokov\u00e1 sazba spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f je aktu\u00e1ln\u011b mezi 2 a 3 %. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>V\u00fdhodou je<\/strong>, \u017ee pen\u00edze lze ze spo\u0159\u00edc\u00edho \u00fa\u010dtu kdykoliv p\u0159ev\u00e9st na b\u011b\u017en\u00fd \u00fa\u010det, n\u00e1sledn\u011b je vybrat a pou\u017e\u00edt. V\u011bt\u0161ina spo\u0159\u00edc\u00edch \u00fa\u010dtu jsou s b\u011b\u017en\u00fdm \u00fa\u010dtem propojen\u00e9 a jsou zdarma. <strong>Nev\u00fdhodou<\/strong> je ni\u017e\u0161\u00ed zhodnocen\u00ed a to, \u017ee se konkr\u00e9tn\u00ed \u00farok odv\u00edj\u00ed od v\u00fd\u0161e vlo\u017een\u00e9 \u010d\u00e1stky. V p\u0159\u00edpad\u011b, \u017ee vlo\u017e\u00edte \u010d\u00e1stku nad 1 mil. K\u010d, \u00farok se sni\u017euje. Spo\u0159\u00edc\u00ed \u00fa\u010det je vhodn\u00fd pro ty, kte\u0159\u00ed cht\u011bj\u00ed m\u00edt pen\u00edze kdykoliv k dispozici a up\u0159ednost\u0148uj\u00ed jistotu p\u0159ed vy\u0161\u0161\u00edm v\u00fdnosem.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Stavebni_sporeni\"><\/span><b>Stavebn\u00ed spo\u0159en\u00ed<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Obl\u00edben\u00fdm zp\u016fsobem, jak zhodnotit sv\u00e9 voln\u00e9 finan\u010dn\u00ed prost\u0159edky, je stavebn\u00ed spo\u0159en\u00ed. Jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, jedn\u00e1 se o spo\u0159en\u00ed, kter\u00e9 je prim\u00e1rn\u011b ur\u010deno na zaji\u0161t\u011bn\u00ed budouc\u00edho <a href=\"https:\/\/orangeacademy.cz\/clanky\/dan-z-nemovitosti-2020\/\">bydlen\u00ed<\/a>. Po uplynut\u00ed minim\u00e1ln\u00ed doby spo\u0159en\u00ed, kter\u00e1 je <strong>6 let<\/strong>, m\u016f\u017eete v\u0161ak pen\u00edze vyu\u017e\u00edt na cokoliv. <\/span><\/p>\n<p><span style=\"font-weight: 400;\"><strong>V\u00fdhodou je<\/strong> pom\u011brn\u011b vysok\u00e9 zhodnocen\u00ed a p\u0159\u00edsp\u011bvek od st\u00e1tu, kter\u00fd je ve v\u00fd\u0161i <strong>10 % ro\u010dn\u00edho vkladu<\/strong> \u2013 maxim\u00e1ln\u011b 2 000 K\u010d. Mezi hlavn\u00ed v\u00fdhody stavebn\u00edho spo\u0159en\u00ed pat\u0159\u00ed zisk st\u00e1tn\u00edho p\u0159\u00edsp\u011bvku, vkl\u00e1d\u00e1n\u00ed financ\u00ed dle pot\u0159eby a mo\u017enost p\u0159eklenovac\u00edho \u00fav\u011bru. Nev\u00fdhodou m\u016f\u017ee b\u00fdt v\u00e1zac\u00ed 6 let\u00e9 obdob\u00ed a s t\u00edm spojen\u00fd p\u0159\u00edstup k pen\u011bz\u016fm a\u017e t\u00e9to doby.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5125 size-large\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2022\/04\/AdobeStock_323332035-930x595.jpeg\" alt=\"spo\u0159en\u00ed\" width=\"930\" height=\"595\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Terminovany_vklad\"><\/span><b>Term\u00ednovan\u00fd vklad<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Term\u00ednovan\u00fd vklad je ide\u00e1ln\u00ed produkt pro klienty, kte\u0159\u00ed nebudou sv\u00e9 pen\u00edze po ur\u010ditou dobu pot\u0159ebovat. Pen\u00edze se \u00faro\u010d\u00ed garantovanou \u00farokovou sazbou po dobu vkladu, kter\u00e1 je nej\u010dast\u011bji <strong>3,5 nebo i v\u00edce let<\/strong>. T\u00edm, \u017ee je zde omezen p\u0159ed\u010dasn\u00fd v\u00fdb\u011br, jsou pen\u00edze \u00faro\u010deny vy\u0161\u0161\u00ed \u00farokovou sazbou. P\u0159ed\u010dasn\u00fd v\u00fdb\u011br lze prov\u00e9st za poplatek. Mezi v\u00fdhody term\u00ednovan\u00e9ho vkladu pat\u0159\u00ed zalo\u017een\u00ed a veden\u00ed \u00fa\u010dtu zdarma, \u010dasov\u00e1 nen\u00e1ro\u010dnost a poji\u0161t\u011bn\u00ed ve\u0161ker\u00fdch vklad\u016f. Nev\u00fdhodou jsou vysok\u00e9 poplatky p\u0159i p\u0159ed\u010dasn\u00e9m ukon\u010den\u00ed a omezen\u00e1 v\u00fd\u0161e vkladu.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Penzijni_sporeni\"><\/span><b>Penzijn\u00ed spo\u0159en\u00ed<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Spo\u0159en\u00ed, kter\u00e9 poskytuje finan\u010dn\u00ed prost\u0159edky <a href=\"https:\/\/orangeacademy.cz\/clanky\/duchody\/\">na d\u016fchod<\/a> a st\u00e1\u0159\u00ed. Krom\u011b zhodnocen\u00ed p\u0159\u00edsp\u011bvk\u016f \u00farokovou sazbou, m\u00e1te mo\u017enost z\u00edskat st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek <strong>a\u017e 2 760 K\u010d<\/strong> za rok. Nav\u00edc si lze penzijn\u00ed spo\u0159en\u00ed ode\u010d\u00edst z da\u0148ov\u00e9ho z\u00e1kladu a na dan\u00edch z\u00edskat zp\u011bt a\u017e 3 600 K\u010d za rok.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dluhopisy\"><\/span><b>Dluhopisy<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Dluhopisy, nebo tak\u00e9 obligace, pat\u0159\u00ed mezi dal\u0161\u00ed mo\u017enost zhodnocov\u00e1n\u00ed sv\u00fdch pen\u011bz. Sv\u00e9 voln\u00e9 finan\u010dn\u00ed prost\u0159edky m\u016f\u017eete p\u016fj\u010dit spole\u010dnosti, kter\u00e1 je vyu\u017eije pro zaji\u0161t\u011bn\u00ed chodu sv\u00e9 spole\u010dnosti. \u00darok se u kvalitn\u00edch dluhopis\u016f m\u016f\u017ee vy\u0161plhat na <strong>4 a\u017e 6 % ro\u010dn\u011b<\/strong>. Dluhopisy se d\u011bl\u00ed do n\u011bkolika skupin podle toho, kdo je jejich emitentem \u2013 st\u00e1tn\u00ed, korpor\u00e1tn\u00ed a komun\u00e1ln\u00ed. Rizikem je zde bankrot spole\u010dnosti, kter\u00e9 jste pen\u00edze p\u016fj\u010dili. V takov\u00e9m p\u0159\u00edpad\u011b se v\u00e1m investice nemus\u00ed v\u016fbec vr\u00e1tit.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>St\u00e1tn\u00ed dluhopisy<\/strong> \u2013 nesou s sebou nejni\u017e\u0161\u00ed riziko investice a t\u00edm p\u00e1dem i ni\u017e\u0161\u00ed \u00farok\/v\u00fdnos. Emisi zaji\u0161\u0165uje st\u00e1t, kter\u00fd ru\u010d\u00ed za v\u010dasn\u00e9 splacen\u00ed.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Korpor\u00e1tn\u00ed dluhopisy<\/strong> \u2013 podnikov\u00e9 dluhopisy nab\u00edz\u00ed vy\u0161\u0161\u00ed \u00faroky av\u0161ak s vy\u0161\u0161\u00edm rizikem \u2013 nej\u010dast\u011bji krach spole\u010dnosti.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Komun\u00e1ln\u00ed dluhopisy<\/strong> \u2013 podobn\u00e9 dluhopisy jako ty st\u00e1tn\u00ed. Emitentem jsou v tomto p\u0159\u00edpad\u011b obce a kraje.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Bankovn\u00ed dluhopisy<\/strong> \u2013 banky zde vyd\u00e1vaj\u00ed dluhopisy pro z\u00edsk\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f na del\u0161\u00ed dobu. Emise i prodej si banky zprost\u0159edkov\u00e1vaj\u00ed samy.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Podilove_fondy\"><\/span><b>Pod\u00edlov\u00e9 fondy<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Va\u0161e pen\u00edze m\u016f\u017eete sv\u011b\u0159it spr\u00e1vci, kter\u00fd je vhodn\u011b investuje do m\u00e9n\u011b i v\u00edce rizikov\u00fdch investi\u010dn\u00edch n\u00e1stroj\u016f. Pod\u00edlov\u00e9 fondy v\u00e1m umo\u017e\u0148uj\u00ed investovat <strong>do akci\u00ed, realit, komodit, dluhopis\u016f a pen\u011b\u017en\u00edho trhu<\/strong>. V\u0161echna odv\u011btv\u00ed lze r\u016fzn\u011b kombinovat. P\u0159i v\u00fdb\u011bru pod\u00edlov\u00fdch fond\u016f je d\u016fle\u017eit\u00e9 myslet na riziko recese a p\u0159\u00edpadn\u00e9 kles\u00e1n\u00ed hodnoty vklad\u016f. Jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch bod\u016f je ur\u010den\u00ed investi\u010dn\u00edho horizontu a diverzifikace va\u0161eho portfolia, sn\u00ed\u017e\u00edte tak tr\u017en\u00ed riziko.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Akcie_komodity_kryptomeny\"><\/span><b>Akcie, komodity, kryptom\u011bny<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Syst\u00e9m t\u011bchto investi\u010dn\u00edch n\u00e1stroj\u016f stoj\u00ed na levn\u00e9 koupi a drah\u00e9m prodeji. Mezi komodity pat\u0159\u00ed drah\u00e9 <strong>kovy, ropa, suroviny<\/strong>, pomoc\u00ed kter\u00fdch lze zhodnotit sv\u00e9 \u00faspory. Z\u00e1kladem investice do komodit je diverzifikovan\u00e9 portfolio s v\u00edce druhy c\u00edlov\u00fdch investic. V p\u0159\u00edpad\u011b akci\u00ed je pot\u0159eba vy\u0161\u0161\u00ed kapit\u00e1l. Firmy, kter\u00fdm poskytnete va\u0161e pen\u00edze, v\u00e1m vyplat\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/podnikani-v-roli-pravnicke-osoby\/\" target=\"_blank\" rel=\"noopener\">pod\u00edl na zisku<\/a>. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nejmodern\u011bj\u0161\u00ed investic\u00ed jsou kryptom\u011bny. Mezi nejzn\u00e1m\u011bj\u0161\u00ed pat\u0159\u00ed Bitcoin, kter\u00fd vznikl v roce 2009 a za dobu sv\u00e9 existence za\u017eil vysokoprocentn\u00ed n\u00e1r\u016fsty, ale i prudk\u00e9 propady.<\/span><\/p>\n<p>A kam investujete vy? Napi\u0161te n\u00e1m do koment\u00e1\u0159e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spo\u0159en\u00ed se st\u00e1v\u00e1 st\u00e1le obl\u00edben\u011bj\u0161\u00ed metodou, jak si na\u0161et\u0159it na sv\u00e9 kr\u00e1tkodob\u00e9 a dlouhodob\u00e9 c\u00edle. Mo\u017enost\u00ed, jak zhodnocovat sv\u00e9 \u00faspory, je hned n\u011bkolik \u2013 spo\u0159\u00edc\u00ed \u00fa\u010dty, stavebn\u00ed spo\u0159en\u00ed, term\u00ednovan\u00e9 vklady, penzijn\u00ed spo\u0159en\u00ed. V dne\u0161n\u00edm \u010dl\u00e1nku si jednotliv\u00e9 metody spo\u0159en\u00ed p\u0159edstav\u00edme \u2013 v\u00fdhody, nev\u00fdhody, zhodnocen\u00ed i podm\u00ednky pro sjedn\u00e1n\u00ed.\u00a0 Finan\u010dn\u00ed rezerva Ne\u010dekan\u00e9 v\u00fddaje mohou potr\u00e1pit ka\u017ed\u00e9ho [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":5124,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1,20],"tags":[166,302,310,312],"class_list":["post-5122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","category-prace-a-kariera","tag-finance","tag-investice","tag-penize","tag-sporeni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zhodnocen\u00ed pen\u011bz formou 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