[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vemi.sk\/ako-dobre-investovat-nasporene-financie\/#Article","mainEntityOfPage":"https:\/\/www.vemi.sk\/ako-dobre-investovat-nasporene-financie\/","headline":"Ako dobre investova\u0165 nasporen\u00e9 financie?","name":"Ako dobre investova\u0165 nasporen\u00e9 financie?","description":"Nepatr\u00edte medzi t\u00fdch, ktor\u00ed chc\u00fa bankovky schov\u00e1va\u0165 do vank\u00fa\u0161a? Boj\u00edte sa zlodejov ? Potom mus\u00edte h\u013eada\u0165 in\u00e9 alternat\u00edvy. Pred rokmi […]","datePublished":"2017-02-25","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.vemi.sk\/author\/#Person","name":"","url":"https:\/\/www.vemi.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4bf629230dc34158290ba5b10491f45b3bfbba94b88af3386c3da2fed730f430?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vemi.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vemi.sk\/wp-content\/uploads\/img_a280188_w2008_t1493142252.jpg","url":"https:\/\/www.vemi.sk\/wp-content\/uploads\/img_a280188_w2008_t1493142252.jpg","height":0,"width":0},"url":"https:\/\/www.vemi.sk\/ako-dobre-investovat-nasporene-financie\/","wordCount":641,"articleBody":"Nepatr\u00edte medzi t\u00fdch, ktor\u00ed chc\u00fa bankovky schov\u00e1va\u0165 do vank\u00fa\u0161a? Boj\u00edte sa zlodejov ? Potom mus\u00edte h\u013eada\u0165 in\u00e9 alternat\u00edvy. Pred rokmi boli ve\u013ea v ob\u013eube vkladn\u00e9 kni\u017eky, ktor\u00e9 pon\u00fakali aj zauj\u00edmav\u00fd \u00farok, ale dnes u\u017e na nich nez\u00edskate skoro ni\u010d. Bankov\u00e9 spolo\u010dnosti v\u00e1m aj napriek tomu dok\u00e1\u017eu pon\u00faknu\u0165 rad mo\u017enost\u00ed, ako nie\u010do m\u00e1lo zarobi\u0165 na va\u0161ich \u00faspor\u00e1ch. Z\u00e1le\u017e\u00ed len na V\u00e1s, \u010domu budete otvoren\u00ed. Ak m\u00e1te odvahu, m\u00f4\u017eete investova\u0165 do \u0161irok\u00e9ho portf\u00f3lia fondov, ak sa dr\u017e\u00edte rad\u0161ej viac pri zemi, existuj\u00fa aj zaisten\u00e9 mo\u017enosti sporenia, kde v\u00e1m finan\u010dn\u00e9 in\u0161tit\u00facie zabezpe\u010dia stopercentn\u00fa n\u00e1vratnos\u0165 v\u00e1\u0161ho vkladu.Va\u0161e veli\u010denstvo v oblasti sporeniaKedysi d\u00e1vno by to bola rozhodne va\u0161a prv\u00e1 vo\u013eba, ale dnes u\u017e to\u013eko jeho v\u00fdhody nevid\u00edte. Predt\u00fdm mala cel\u00e1 rodina aj nieko\u013eko stavebn\u00fdch sporen\u00ed. S\u013eubovalo vysok\u00fd \u00farok, \u0161t\u00e1tnu pomoc a hlavne z\u00e1konn\u00e9 poistenie. Nemuseli ste sa tak b\u00e1\u0165, \u017ee po \u0161iestich rokoch o nie\u010do pr\u00eddete, pr\u00e1ve naopak v\u017edy tu bol ist\u00fd zisk. Dnes ide o \u0161tandardn\u00fd finan\u010dn\u00fd produkt, ktor\u00fd u\u017e nie je tak \u00faplne pre ka\u017ed\u00e9ho.M\u00f4\u017eete ho vyu\u017ei\u0165 dvoma sp\u00f4sobmi: spori\u0165 alebo \u010derpa\u0165 \u00faver na b\u00fdvanie. Sporite\u013ene pon\u00fakaj\u00fa aj nieko\u013eko typov sporiacich programov, z ktor\u00fdch si m\u00f4\u017eete vybera\u0165. Stavebn\u00e9 sporenie m\u00e1 u\u017e trad\u00edciu viac ako dvadsa\u0165 rokov, garantuje v\u00e1m ochranu vkladov a k jeho \u010fal\u0161\u00edm kladom patr\u00ed aj \u0161t\u00e1tna pomoc, ktor\u00fa z\u00edskate po splnen\u00ed podmienok. Medzi jeho hlavn\u00e9 m\u00ednusy patr\u00ed \u00fa\u010delovos\u0165, zdanenie v\u00fdnosov a mo\u017enos\u0165 zn\u00ed\u017eenia \u0161t\u00e1tnej podpory zo strany ministerstva financi\u00ed.Navy\u0161e aj doba sporenia \u0161es\u0165 rokov v\u00e1s m\u00f4\u017ee zna\u010dne obmedzi\u0165, preto\u017ee pred\u010dasn\u00e9 ukon\u010denie vkladu, v\u00e1s bude nie\u010do st\u00e1\u0165. Pri v\u00fdpovedi sa dostanete k peniazom a\u017e za tri mesiace, tak\u017ee rozhodne nejde o okam\u017eit\u00fa finan\u010dn\u00fa rezervu.Najd\u00f4le\u017eitej\u0161ie inform\u00e1cie v skratke:\u00d8\u00a0 overte si podmienky stavebnej sporite\u013ene, pre ktor\u00fa ste sa rozhodli – najm\u00e4 sporenie po \u0161es\u0165ro\u010dnej viazacej dobe, niekedy sa m\u00f4\u017eu zvy\u0161ova\u0165 poplatky za vedenie, alebo zni\u017eova\u0165 \u00farok\u00d8\u00a0 vo\u013ete rad\u0161ej raz zmluvu, na ktor\u00fa budete posiela\u0165 maximum\u00d8\u00a0 cie\u013eov\u00fa sumu vo\u013ete v rozumnej v\u00fd\u0161ke, zv\u00fd\u0161i\u0165 ju m\u00f4\u017eete kedyko\u013evek bez poplatku\u00d8\u00a0 stavebn\u00e9 sporenie vyberajte, ak v\u00e1m nevad\u00ed viazacie doba a ste sk\u00f4r konzervat\u00edvny typ\u00d8\u00a0 niekedy sa oplat\u00ed aj kombin\u00e1cia so sporiacim \u00fa\u010dtom: budete ma\u0165 okam\u017eit\u00fa rezervu aj nasporen\u00e9 do bud\u00facnostiKo\u013eko si odklada\u0165 mesa\u010dne?Samozrejme z\u00e1le\u017e\u00ed hlavne na v\u00e1s. Do zmluvy sa \u0161tandardne uv\u00e1dza mesa\u010dn\u00fd pau\u0161\u00e1l, ale v\u00e4\u010d\u0161ina sporite\u013en\u00ed umo\u017e\u0148uje aj vklady jedn\u00e9ho vy\u0161\u0161ieho obnosu, ktor\u00fd v\u00e1m pokryje sporenie na cel\u00fd rok tak, aby ste mohli \u010derpa\u0165 \u0161t\u00e1tnu pomoc v plnej v\u00fd\u0161ke. Samozrejme mus\u00edte po\u010d\u00edta\u0165 aj s poplatkom za vedenie \u00fa\u010dtu a pri zalo\u017een\u00ed aj jednorazov\u00fdm poplatkom za uzatvorenie zmluvy, ktor\u00fd si sporite\u013e\u0148a inkasuje.Na \u010do sa v\u00e1m bude hodi\u0165?Prim\u00e1rny \u00fa\u010del je samozrejme stavba, rekon\u0161trukcia alebo k\u00fapa bytu, ale mnoho klientov sporenie vyu\u017e\u00edva pre zaistenie staroby alebo ako \u0161tartovn\u00e9 pre deti. Najefekt\u00edvnej\u0161ie je, ke\u010f ho vyu\u017eijete v\u00a0obdob\u00ed \u0161es\u0165ro\u010dn\u00fdch cykloch. Mnoho rodi\u010dov vyu\u017e\u00edva tento typ sporenia aj pre svoje deti.Hlavn\u00e1 je v\u017edy va\u0161a spokojnos\u0165, preto mus\u00edte zv\u00e1\u017ei\u0165 v\u0161etky aspekty a tie\u017e va\u0161e mo\u017enosti. Z\u00e1le\u017e\u00ed len na v\u00e1s, ako svoje \u0165a\u017eko zaroben\u00e9 peniaze zhodnot\u00edte.                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako dobre investova\u0165 nasporen\u00e9 financie?","item":"https:\/\/www.vemi.sk\/ako-dobre-investovat-nasporene-financie\/#breadcrumbitem"}]}]