{"id":6029,"date":"2022-11-20T14:42:44","date_gmt":"2022-11-20T13:42:44","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=6029"},"modified":"2022-11-15T14:44:39","modified_gmt":"2022-11-15T13:44:39","slug":"sporici-ucet","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/sporici-ucet\/","title":{"rendered":"Spo\u0159ic\u00ed \u00fa\u010det: Bezpe\u010dn\u00e9 zhodnocov\u00e1n\u00ed pen\u011bz"},"content":{"rendered":"

Pen\u00edze, kter\u00e9 z\u016fst\u00e1vaj\u00ed na b\u011b\u017en\u00fdch bankovn\u00edch \u00fa\u010dtech jsou kv\u016fli inflaci znehodnocov\u00e1ny. Ide\u00e1ln\u00ed a z\u00e1rove\u0148 bezpe\u010dn\u00fd zp\u016fsob, jak sv\u00e9 pen\u00edze alespo\u0148 \u010d\u00e1ste\u010dn\u011b ochr\u00e1nit, je zalo\u017eit si spo\u0159ic\u00ed \u00fa\u010det.\u00a0<\/strong><\/p>\n

Spo\u0159ic\u00ed \u00fa\u010det se zakl\u00e1d\u00e1 jako dopln\u011bk k b\u011b\u017en\u00e9mu \u00fa\u010dtu. Pokud tedy m\u00e1te na b\u011b\u017en\u00e9m \u00fa\u010dtu p\u0159ebyte\u010dn\u00e9 pen\u00edze, je v\u00fdhodn\u00e9 je p\u0159ev\u00e9st na spo\u0159ic\u00ed \u00fa\u010det, kde je vy\u0161\u0161\u00ed \u00farok a \u010d\u00e1ste\u010dn\u011b je t\u00edm ochr\u00e1n\u00edte p\u0159ed zm\u00edn\u011bnou inflac\u00ed.<\/p>\n

Jak funguje spo\u0159ic\u00ed \u00fa\u010det?<\/h2>\n

Spo\u0159ic\u00ed \u00fa\u010det je nejjednodu\u0161\u0161\u00ed zp\u016fsob,<\/strong> jak zhodnotit sv\u00e9 pen\u00edze<\/a> a velkou v\u00fdhodou je, \u017ee spo\u0159ic\u00ed \u00fa\u010dty nab\u00edz\u00ed skoro ka\u017ed\u00e1 bankovn\u00ed instituce. Lehce si lze zalo\u017eit spo\u0159ic\u00ed \u00fa\u010det ke sv\u00e9mu b\u011b\u017en\u00e9mu \u00fa\u010dtu nebo si lze vybrat spo\u0159ic\u00ed \u00fa\u010det s t\u00edm nejvy\u0161\u0161\u00edm \u00farokem<\/strong> u jin\u00e9 banky. Zalo\u017een\u00ed spo\u0159ic\u00edho \u00fa\u010dtu je u v\u011bt\u0161iny bank bez minim\u00e1ln\u00edho po\u010d\u00e1te\u010dn\u00edho vkladu, zalo\u017een\u00ed a veden\u00ed je zdarma.<\/p>\n

Spo\u0159ic\u00ed \u00fa\u010dty se \u0159ad\u00ed mezi konzervativn\u00ed formu investice,<\/strong> \u00faroky se pohybuj\u00ed na n\u00edzk\u00fdch sazb\u00e1ch, ale poskytuj\u00ed bezpe\u010d\u00ed v podob\u011b nulov\u00e9ho rizika ztr\u00e1ty a z\u00e1rove\u0148 jsou vklady ze z\u00e1kona poji\u0161t\u011bny. O vklady do limitu 100 tis\u00edc eur \u2013 necel\u00fdch 2,5 milionu korun se tedy b\u00e1t nemus\u00edte.<\/p>\n

Jak vybrat spo\u0159ic\u00ed \u00fa\u010det?<\/h2>\n

Spo\u0159ic\u00ed \u00fa\u010det nab\u00edz\u00ed v\u011bt\u0161ina zn\u00e1m\u00fdch bankovn\u00edch instituc\u00ed. K tomu, abyste si vybrali nejlep\u0161\u00ed spo\u0159en\u00ed, je pot\u0159eba se zam\u011b\u0159it na n\u00e1sleduj\u00edc\u00ed aspekty.<\/strong><\/p>\n

\"Spo\u0159ic\u00ed

Spo\u0159ic\u00ed \u00fa\u010dty se \u0159ad\u00ed mezi konzervativn\u00ed formu investice, \u00faroky se pohybuj\u00ed na n\u00edzk\u00fdch sazb\u00e1ch, ale poskytuj\u00ed bezpe\u010d\u00ed v podob\u011b nulov\u00e9ho rizika ztr\u00e1ty a z\u00e1rove\u0148 jsou vklady ze z\u00e1kona poji\u0161t\u011bny.<\/p><\/div>\n

1.) \u00darok<\/h3>\n

\u00darok je prvn\u00edm parametrem, kter\u00fd pot\u0159eba vyhledat. \u010c\u00edm vy\u0161\u0161\u00ed \u00farok, t\u00edm v\u00edce pen\u011bz se v\u00e1m na spo\u0159ic\u00ed \u00fa\u010det p\u0159ip\u00ed\u0161e. Spolu s \u00farokem je dobr\u00e9 v\u011bd\u011bt, \u017ee se naspo\u0159en\u00e9 prost\u0159edky je\u0161t\u011b p\u0159ed p\u0159ips\u00e1n\u00edm dan\u00ed. Sr\u00e1\u017ekov\u00e1 da\u0148<\/a> je ve v\u00fd\u0161i 15 %. Jej\u00ed v\u00fdpo\u010det prob\u00edh\u00e1 p\u0159i p\u0159ipisov\u00e1n\u00ed \u00farok\u016f a pot\u00e9 se zaokrouhluje na cel\u00e9 koruny dol\u016f. Sr\u00e1\u017ekovou da\u0148 odv\u00e1d\u00ed za klienta banka a na \u00fa\u010det p\u0159ip\u00ed\u0161e u\u017e \u010dist\u00fd zisk.<\/p>\n

\u00daroky se uv\u00e1d\u00ed v procentech se zkratkou p. a. \u2013 per annum, kter\u00fd uv\u00e1d\u00ed \u00farok za rok. N\u011bkter\u00e9 banky mohou uv\u00e1d\u011bt i zkratku p. m. \u2013 per mensem, jedn\u00e1 se o \u00farok za m\u011bs\u00edc. Nej\u010dast\u011bji se \u00faroky pohybuj\u00ed pr\u016fm\u011brn\u011b okolo 3 % p.a. M\u016f\u017eete se setkat s vy\u0161\u0161\u00ed sazbou, ale nej\u010dast\u011bji se jedn\u00e1 o akce pro nov\u00e9 klienty <\/strong>a tento \u00farok dostanete pouze na omezenou dobu, nej\u010dast\u011bji na p\u016fl roku.<\/p>\n

2.) P\u00e1sma \u00faro\u010den\u00ed<\/h3>\n

\u00daroky se mohou odv\u00edjet od v\u00fd\u0161e vlo\u017een\u00fdch prost\u0159edk\u016f \u2013 tzv. p\u00e1smov\u00e9 \u00faro\u010den\u00ed<\/strong>. Ka\u017ed\u00e1 banka si stanovuje sv\u00e1 p\u00e1sma pro vklad a od nich odv\u00edj\u00ed p\u0159\u00edslu\u0161n\u00e9 \u00faroky. Spo\u0159ic\u00ed \u00fa\u010dty bohu\u017eel nefunguj\u00ed na principu, \u017ee \u010d\u00edm v\u00edce prost\u0159edk\u016f na spo\u0159ic\u00ed \u00fa\u010det vlo\u017e\u00edte, t\u00edm m\u00e1te vy\u0161\u0161\u00ed \u00farok. V\u011bt\u0161ina bank nab\u00edz\u00ed naopak vy\u0161\u0161\u00ed \u00faroky na ni\u017e\u0161\u00ed \u010d\u00e1stky. Banka po p\u0159ekro\u010den\u00ed nastaven\u00e9ho p\u00e1sma \u00faro\u010d\u00ed p\u0159ekro\u010denou \u010d\u00e1stku ni\u017e\u0161\u00edm \u00farokem. N\u011bkter\u00e9 banky<\/a> nab\u00edz\u00ed pro sv\u00e9 klienty i jin\u00e9 podm\u00ednky ohledn\u011b \u00farok\u016f. Zohled\u0148uj\u00ed placen\u00ed kartou a \u010dast\u00e9 vkl\u00e1d\u00e1n\u00ed prost\u0159edk\u016f. Za ur\u010dit\u00fdch podm\u00ednek m\u016f\u017ee b\u00fdt \u00farok na spo\u0159ic\u00edm \u00fa\u010dtu nav\u00fd\u0161en.<\/p>\n

Studujte rekvalifika\u010dn\u00ed kurzy<\/span><\/a><\/span><\/span><\/p>\n

3.) Poplatky na spo\u0159ic\u00edm \u00fa\u010dtu<\/h3>\n

V\u00fd\u0161e poplatk\u016f je dal\u0161\u00edm bodem, kter\u00fd je d\u016fle\u017eit\u00fd p\u0159i v\u00fdb\u011bru spo\u0159ic\u00edho \u00fa\u010dtu hl\u00eddat. N\u011bkter\u00e9 banky si \u00fa\u010dtuj\u00ed poplatky nejen za veden\u00ed \u00fa\u010dtu, ale i za odchoz\u00ed platby nebo elektronick\u00e9 v\u00fdpisy.<\/strong> Ide\u00e1ln\u00ed je si zalo\u017eit spo\u0159ic\u00ed \u00fa\u010det bez poplatk\u016f, aby se nestalo, \u017ee poplatky p\u0159ekro\u010d\u00ed \u00faroky a cel\u00e9 spo\u0159en\u00ed bude postr\u00e1dat smysl.<\/p>\n

4.) Snadn\u00fd p\u0159ehled<\/h3>\n

Nejjednodu\u0161\u0161\u00edm zp\u016fsobem, jak m\u00edt sv\u00e9 finance pod dohledem, je zalo\u017een\u00ed internetov\u00e9ho bankovnictv\u00ed. Internetov\u00e9 bankovnictv\u00ed nav\u00edc nab\u00edz\u00ed snadn\u00e9 p\u0159eveden\u00ed naspo\u0159en\u00fdch prost\u0159edk\u016f na b\u011b\u017en\u00fd \u00fa\u010det, kde je lze posl\u00e9ze vybrat. N\u011bkter\u00e9 banky maj\u00ed v\u0161ak stanovenou ur\u010ditou minim\u00e1ln\u00ed \u010d\u00e1stku<\/strong>, kter\u00e1 mus\u00ed na spo\u0159ic\u00edm \u00fa\u010dtu z\u016fstat. Proto nezapome\u0148te tento fakt zohlednit p\u0159i sv\u00e9m v\u00fdb\u011bru spo\u0159ic\u00edho \u00fa\u010dtu. Dal\u0161\u00ed v\u00fdhodou internetov\u00e9ho bankovnictv\u00ed je n\u00e1hled na p\u0159ipsan\u00e9 \u00faroky a zas\u00edl\u00e1n\u00ed pen\u011bz z b\u011b\u017en\u00e9ho \u00fa\u010dtu pr\u00e1v\u011b na ten spo\u0159ic\u00ed.<\/p>\n

Inflace a vliv na spo\u0159ic\u00ed \u00fa\u010det<\/h2>\n

Meziro\u010dn\u00ed m\u00edra inflace<\/a> v z\u00e1\u0159\u00ed dos\u00e1hla rekordn\u00edch 18 procent. Banky proto v naprost\u00e9 v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f sv\u00fdm klient\u016fm zv\u00fdhodnily spo\u0159en\u00ed na spo\u0159ic\u00edch \u00fa\u010dtech. Jedn\u00e1 se o zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb. Sazby t\u011bch nejlep\u0161\u00edch se nyn\u00ed pohybuj\u00ed v rozp\u011bt\u00ed 4,61 a\u017e 5,75 %. N\u011bkter\u00e9 banky jen upravily v\u00fd\u0161i z\u016fstatku, kter\u00fd zhodnocuj\u00ed v\u00fdhodn\u011bj\u0161\u00ed sazbou. Vklady i p\u0159es zaj\u00edmav\u011bj\u0161\u00ed \u00faro\u010den\u00ed bohu\u017eel st\u00e1le ztr\u00e1cej\u00ed na hodnot\u011b.<\/p>\n

Shrnut\u00ed \u2013 v\u00fdhody a nev\u00fdhody spo\u0159ic\u00edho \u00fa\u010dtu<\/h2>\n

V\u00fdhody spo\u0159ic\u00edho \u00fa\u010dtu<\/h3>\n
    \n
  • nab\u00edz\u00ed vy\u0161\u0161\u00ed zhodnocen\u00ed ne\u017e b\u011b\u017en\u00fd \u00fa\u010det,<\/li>\n
  • sni\u017euje dopad inflace,<\/li>\n
  • vklady jsou ze z\u00e1kona poji\u0161t\u011bny,<\/li>\n
  • nejedn\u00e1 se o rizikovou investici,<\/li>\n
  • v\u011bt\u0161inou je zdarma,<\/li>\n
  • nen\u00ed v\u00e1zan\u00fd minim\u00e1ln\u00edm vkladem.<\/li>\n<\/ul>\n

    Nev\u00fdhody spo\u0159ic\u00edho \u00fa\u010dtu<\/h3>\n
      \n
    • n\u00edzk\u00fd \u00farok,<\/li>\n
    • \u00farok se odv\u00edj\u00ed od vlo\u017een\u00e9 \u010d\u00e1stky,<\/li>\n
    • ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f nutnost zalo\u017een\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu u banky,<\/li>\n
    • pokud je na spo\u0159ic\u00edm \u00fa\u010dtu v\u00fdpov\u011bdn\u00ed doba, tak po dobu v\u00fdpov\u011bdn\u00ed lh\u016fty nen\u00ed mo\u017en\u00e9 s pen\u011bzi manipulovat.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

      Pen\u00edze, kter\u00e9 z\u016fst\u00e1vaj\u00ed na b\u011b\u017en\u00fdch bankovn\u00edch \u00fa\u010dtech jsou kv\u016fli inflaci znehodnocov\u00e1ny. Ide\u00e1ln\u00ed a z\u00e1rove\u0148 bezpe\u010dn\u00fd zp\u016fsob, jak sv\u00e9 pen\u00edze alespo\u0148 \u010d\u00e1ste\u010dn\u011b ochr\u00e1nit, je zalo\u017eit si spo\u0159ic\u00ed \u00fa\u010det.\u00a0 Spo\u0159ic\u00ed \u00fa\u010det se zakl\u00e1d\u00e1 jako dopln\u011bk k b\u011b\u017en\u00e9mu \u00fa\u010dtu. Pokud tedy m\u00e1te na b\u011b\u017en\u00e9m \u00fa\u010dtu p\u0159ebyte\u010dn\u00e9 pen\u00edze, je v\u00fdhodn\u00e9 je p\u0159ev\u00e9st na spo\u0159ic\u00ed \u00fa\u010det, kde je vy\u0161\u0161\u00ed \u00farok […]<\/p>\n","protected":false},"author":14,"featured_media":6031,"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],"tags":[166,310,151],"class_list":["post-6029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","tag-finance","tag-penize","tag-pojisteni"],"yoast_head":"\nSpo\u0159ic\u00ed \u00fa\u010det: Bezpe\u010dn\u00e9 zhodnocov\u00e1n\u00ed pen\u011bz<\/title>\n<meta name=\"description\" content=\"Spo\u0159ic\u00ed \u00fa\u010det je nejjednodu\u0161\u0161\u00ed zp\u016fsob, jak zhodnotit sv\u00e9 pen\u00edze a velkou v\u00fdhodou je, \u017ee 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