{"id":251832,"date":"2021-09-06T08:37:35","date_gmt":"2021-09-06T06:37:35","guid":{"rendered":"https:\/\/investinslovakia.eu\/?p=251832"},"modified":"2022-07-18T10:28:51","modified_gmt":"2022-07-18T08:28:51","slug":"3-dovody-preco-nedrzat-peniaze-v-banke","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/3-dovody-preco-nedrzat-peniaze-v-banke\/","title":{"rendered":"3 d\u00f4vody, pre\u010do nedr\u017ea\u0165 peniaze v banke"},"content":{"rendered":"\n
Kto z n\u00e1s by chcel ma\u0165 zostatok na bankovom \u00fa\u010dte 0 eur? Asi nikto. No tak ako \u017eiadne peniaze na bankovom \u00fa\u010dte tam nie je m\u00fadre dr\u017ea\u0165 ani v\u00e4\u010d\u0161\u00ed obnos pe\u0148az\u00ed. V dne\u0161nom \u010dl\u00e1nku si povieme d\u00f4vody pre\u010do.<\/em><\/p>\n\n\n\n Vedeli ste, \u017ee Slov\u00e1ci maj\u00fa na be\u017en\u00fdch bankov\u00fdch \u00fa\u010dtoch 24,9 miliardy EUR<\/a>?<\/p>\n\n\n\n Ak m\u00e1te spr\u00e1vne nastaven\u00fd rodinn\u00fd rozpo\u010det, ka\u017ed\u00fd mesiac by sa v\u00e1m mala nejak\u00e1 \u010diastka zv\u00fd\u0161i\u0165. <\/strong>\u010ci je vy\u0161\u0161ia, alebo ni\u017e\u0161ia, mus\u00edte sa rozhodn\u00fa\u0165, ako so zvy\u0161n\u00fdmi peniazmi nalo\u017ei\u0165. Mo\u017enost\u00ed je hne\u010f nieko\u013eko. Ver\u00edme, \u017ee u\u017e nikto z v\u00e1s nedr\u017e\u00ed \u00faspory v pono\u017eke, \u010di pod matracom.<\/strong> Okrem toho, \u017ee takto ulo\u017een\u00e9 peniaze str\u00e1caj\u00fa hodnotu vo v\u00fd\u0161ke infl\u00e1cie s\u00fa navy\u0161e vystaven\u00e9 aj hrozbe kr\u00e1de\u017ee a fyzick\u00e9ho po\u0161kodenia<\/strong> (de\u0165mi, psom, po\u017eiarom, at\u010f.)<\/p>\n\n\n\n Druhou mo\u017enos\u0165ou, ako kumulova\u0165 finan\u010dn\u00e9 prostriedky je uklada\u0165 si ich na be\u017en\u00fd \u00fa\u010det v banke.<\/strong> I ke\u010f je t\u00e1to mo\u017enos\u0165 nepochybne zodpovednej\u0161ia ako ponech\u00e1vanie hotovosti doma, m\u00e1 svoje \u00faskalia.<\/p>\n\n\n\n Tak ako pri hotovosti doma, rovnako aj na financie ulo\u017een\u00e9 v banke p\u00f4sob\u00ed infl\u00e1cia.<\/strong> Pr\u00edli\u0161 ve\u013ea pe\u0148az\u00ed v banke dok\u00e1\u017ee ohrozova\u0165 va\u0161u finan\u010dn\u00fa stabilitu z dlhodob\u00e9ho h\u013eadiska, a t\u00fdm spomali\u0165 plnenie va\u0161ich finan\u010dn\u00fdch cie\u013eov.<\/strong><\/p>\n\n\n\n V\u0161etky peniaze, ktor\u00e9 m\u00e1te ulo\u017een\u00e9 na be\u017enom \u00fa\u010dte sa zhodnocuj\u00fa prakticky \u017eiadnym \u00farokom.<\/strong> Zarobi\u0165 m\u00f4\u017eete nanajv\u00fd\u0161 zop\u00e1r eur mesa\u010dne, ktor\u00e9 v\u00e1m aj tak zjedia poplatky za vedenie \u00fa\u010dtu. Inak povedan\u00e9, vy\u0161\u0161ie zhodnotenie dosiahnete pri akejko\u013evek inej alternat\u00edve ulo\u017eenia pe\u0148az\u00ed.<\/strong><\/p>\n\n\n\n \u010ci u\u017e m\u00e1te peniaze ulo\u017een\u00e9 v invest\u00edci\u00e1ch, podnikan\u00ed, alebo v nehnute\u013enostiach, pri ka\u017edej z t\u00fdchto alternat\u00edv sa v\u00e1m z \u010dasu na \u010das vyskytne m\u00ed\u013enik<\/strong>. Dosiahnete zhodnotenie vo v\u00fd\u0161ke prvej tis\u00edcky eur, hodnota va\u0161ich invest\u00edci\u00ed prekro\u010d\u00ed ur\u010dit\u00fa hladinu a tieto mo\u017eno nepatrn\u00e9 a na prv\u00fd poh\u013ead zanedbate\u013en\u00e9 mi\u013en\u00edky v\u00e1m d\u00e1vaj\u00fa d\u00f4vod na rados\u0165, hrdos\u0165 a poskytuj\u00fa ak\u00fasi motiv\u00e1ciu do \u010fal\u0161ieho zhodnocovania v\u00e1\u0161ho majetku.<\/strong><\/p>\n\n\n\n Tento faktor pri dr\u017ean\u00ed finan\u010dn\u00fdch prostriedkov na be\u017enom \u00fa\u010dte v banke jednozna\u010dne ch\u00fdba a m\u00ed\u0148anie \u201cprebyto\u010dn\u00fdch\u201d pe\u0148az\u00ed sa zd\u00e1 by\u0165 jednoduch\u0161ie a logickej\u0161ie,<\/strong> \u010do v kone\u010dnom d\u00f4sledku zni\u017euje va\u0161u hodnotu majetku a ohrozuje va\u0161u finan\u010dn\u00fa stabilitu, a to nielen zajtra, ale aj o p\u00e1r rokov a ultim\u00e1tne aj na d\u00f4chodku.<\/p>\n\n\n\n Ak chcete va\u0161e peniaze zhodnocova\u0165, je dobr\u00e9 pozrie\u0165 sa na \u013eud\u00ed, ktor\u00fdm sa to u\u017e dnes dar\u00ed. <\/strong>Bohat\u00ed \u013eudia<\/a> dr\u017eia na be\u017en\u00fdch \u00fa\u010dtoch iba ist\u00fd obnos likvidn\u00fdch pe\u0148az\u00ed, zvy\u010dajne vo v\u00fd\u0161ke 3-6 mesa\u010dn\u00fdch v\u00fddavkov dom\u00e1cnosti.<\/strong> V\u0161etko naviac ukladaj\u00fa do akt\u00edv<\/strong>, ktor\u00e9 sa \u010dasom zhodnocuj\u00fa.<\/p>\n\n\n\n Medzi rizikovej\u0161ie invest\u00edcie<\/strong> ur\u010den\u00e9 na zhodnocovanie pe\u0148az\u00ed by sme mohli zaradi\u0165 ukladanie finan\u010dn\u00fdch prostriedkov do kryptomien, jednotliv\u00fdch akci\u00ed na finan\u010dn\u00fdch trhoch, alebo investovanie do vlastn\u00e9ho podnikania<\/strong>, ak je vo f\u00e1ze startupu, alebo sa e\u0161te nedostalo ani do \u010diernych \u010d\u00edsel.<\/p>\n\n\n\n S miernym rizikom viete peniaze ulo\u017ei\u0165 napr\u00edklad do ve\u013ek\u00fdch indexov\u00fdch fondov a ETF, alebo napr\u00edklad aj do umenia, drah\u00fdch kovov <\/strong>a podobne.<\/p>\n\n\n\n Najni\u017e\u0161ie riziko pre va\u0161e peniaze existuje pri investovan\u00ed do real\u00edt a do dlhopisov,<\/strong> ktor\u00e9 v\u0161ak m\u00e1vaju zv\u00e4\u010d\u0161a iba n\u00edzku mieru zhodnotenia. Rovnako m\u00e1lo zhodnot\u00edte va\u0161e peniaze aj na term\u00ednovan\u00fdch vkladoch v bank\u00e1ch.<\/strong> <\/p>\n\n\n\n Jednou z mo\u017enost\u00ed, ako investova\u0165 do real\u00edt aj bez potreby nieko\u013ek\u00fdch desiatok tis\u00edc eur je cez platformu <\/strong>Invest in Slovakia<\/strong><\/a>. Pridajte sa k viac ako 400 akt\u00edvnym investorom<\/strong> a investujte do rozvoja va\u0161ej krajiny. Te\u0161i\u0165 sa budete priemern\u00e9mu v\u00fdnosu spravidla od 11-tich do 14-tich % p.a. (ro\u010dne).<\/p>\n","protected":false},"excerpt":{"rendered":" Kto z n\u00e1s by chcel ma\u0165 zostatok na bankovom \u00fa\u010dte 0 eur? Asi nikto. No tak ako \u017eiadne peniaze na bankovom \u00fa\u010dte tam nie je m\u00fadre dr\u017ea\u0165 ani v\u00e4\u010d\u0161\u00ed obnos pe\u0148az\u00ed. V dne\u0161nom \u010dl\u00e1nku si povieme d\u00f4vody pre\u010do. Vedeli ste, \u017ee Slov\u00e1ci maj\u00fa na be\u017en\u00fdch bankov\u00fdch \u00fa\u010dtoch 24,9 miliardy EUR? Ak m\u00e1te spr\u00e1vne nastaven\u00fd rodinn\u00fd […]<\/p>\n","protected":false},"author":2,"featured_media":251845,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"yoast_head":"\n1. Z hodnoty pe\u0148az\u00ed ujed\u00e1 infl\u00e1cia <\/h2>\n\n\n\n
2. Banky pon\u00fakaj\u00fa minim\u00e1lne zhodnotenie <\/h2>\n\n\n\n
3. Ch\u00fdba motiv\u00e1cia a dosahovanie cie\u013eov <\/h2>\n\n\n\n
Ukladajte peniaze m\u00fadro <\/h2>\n\n\n\n