{"id":325351,"date":"2022-10-19T12:14:34","date_gmt":"2022-10-19T10:14:34","guid":{"rendered":"https:\/\/investinslovakia.eu\/?p=325351"},"modified":"2023-06-28T09:22:21","modified_gmt":"2023-06-28T07:22:21","slug":"financna-gramotnost-slovakov-je-nizka-ako-ju-zlepsit","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/financna-gramotnost-slovakov-je-nizka-ako-ju-zlepsit\/","title":{"rendered":"Finan\u010dn\u00e1 gramotnos\u0165 Slov\u00e1kov je n\u00edzka, ako ju zlep\u0161i\u0165?"},"content":{"rendered":"\n

\u00darove\u0148 finan\u010dnej gramotnosti Slov\u00e1kov je pod\u013ea viacer\u00fdch prieskumov vykonan\u00fdch za posledn\u00e9 roky n\u00edzka. Najv\u00e4\u010d\u0161\u00ed vplyv na \u0148u m\u00e1 vzdelanie, no s\u010dasti ju ovplyv\u0148uje aj ve\u013ekos\u0165 mesta, z ktor\u00e9ho \u010dlovek poch\u00e1dza a soci\u00e1lne prostredie. Nespr\u00e1vne finan\u010dn\u00e9 n\u00e1vyky a finan\u010dn\u00e1 nevedomos\u0165 Slov\u00e1kov toti\u017e pr\u00edli\u0161 netr\u00e1pia. Vo ve\u013ekom v\u0161ak ovplyv\u0148uj\u00fa d\u00f4le\u017eit\u00e9 \u017eivotn\u00e9 rozhodnutia.<\/strong><\/p>\n\n\n\n

<\/div>\n\n\n\n

Slov\u00e1ci si veria viac, ako by mali<\/h2>\n\n\n\n

Prieskumov o finan\u010dnej gramotnosti Slovenska nie je pr\u00edli\u0161 ve\u013ea, \u010do mo\u017eno hovor\u00ed samo za seba), no aj z t\u00fdch zop\u00e1r sa d\u00e1 ve\u013emi jednoducho zisti\u0165, ako na tom sme. V prieskume z roku 2020<\/a>, ktor\u00fd vykonala spolo\u010dnos\u0165 OVB, vyhl\u00e1silo 9 z 10 Slov\u00e1kov, \u017ee rozumie financi\u00e1m. Kone\u010dn\u00e9 \u0161tatistiky prieskumu v\u0161ak uk\u00e1zali nie\u010do in\u00e9<\/strong>. Priemern\u00fd v\u00fdsledok Slov\u00e1kov bol toti\u017eto len 62 bodov zo 100.<\/p>\n\n\n\n

Prieskum ale uk\u00e1zal aj zop\u00e1r pozit\u00edv. K nim patr\u00ed napr\u00edklad skuto\u010dnos\u0165, \u017ee Slov\u00e1ci sa sna\u017eia spori\u0165 svojim de\u0165om minim\u00e1lne 25 eur mesa\u010dne. Mnoh\u00fdm sa tie\u017e dar\u00ed odklada\u0165 si z v\u00fdplaty aspo\u0148 100 eur mesa\u010dne<\/strong>. Slov\u00e1kom nie je cudzie ani pl\u00e1novanie v\u00fddavkov. Rob\u00ed tak pribli\u017ene 70 % op\u00fdtan\u00fdch.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Vedeli ste?<\/h3>\n\n\n\n

Viac ako polovica Slov\u00e1kov minie desatinu svojho rodinn\u00e9ho rozpo\u010dtu na z\u00e1bavu <\/strong>a 31 % Slov\u00e1kov minie 30 % svojho pr\u00edjmu na kon\u00ed\u010dky. Najmenej m\u00ed\u0148aj\u00fa Slov\u00e1ci na kult\u00faru.<\/p>\n\n\n\n

<\/div>\n\n\n\n

S d\u00f4chodkami je to hor\u0161ie<\/h3>\n\n\n\n

V odkladan\u00ed ur\u010ditej \u010diastky z v\u00fdplaty sa Slov\u00e1ci zlep\u0161ili, no v r\u00e1mci sporenia na d\u00f4chodok sme na tom v\u00fdrazne hor\u0161ie. Pod\u013ea prieskumu si na\u0148 odkladaj\u00fa len 4 z 10 op\u00fdtan\u00fdch<\/strong>. Pl\u00e1n sporenia na d\u00f4chodok m\u00e1 len 28 % Slov\u00e1kov a z nich ho dok\u00e1\u017ee dodr\u017eiava\u0165 pribli\u017ene polovica.<\/p>\n\n\n\n

<\/div>\n\n\n\n

<\/a>N\u00edzka \u00farove\u0148 finan\u010dnej gramotnosti tr\u00e1pi aj slovensk\u00fdch \u017eiakov<\/h2>\n\n\n\n

Probl\u00e9m s finan\u010dnou gramotnos\u0165ou za\u010d\u00edna u\u017e na z\u00e1kladn\u00fdch a stredn\u00fdch \u0161kol\u00e1ch. \u017diaci nemaj\u00fa dostatok vzdel\u00e1vac\u00edch aktiv\u00edt v oblasti finan\u010dnej gramotnosti<\/strong>, \u010do vedie k nespr\u00e1vnym finan\u010dn\u00fdm rozhodnutiam u\u017e v n\u00edzkom veku.<\/p>\n\n\n\n

To, \u017ee \u00farove\u0148 finan\u010dnej gramotnosti slovensk\u00fdch \u017eiakov je podpriemern\u00e1, potvrdzuje \u0161t\u00fadia PISA z roku 2018<\/a>. V nej z\u00edskalo Slovensko 481 bodov, pri\u010dom priemer ostatn\u00fdch kraj\u00edn bol na \u00farovni 505 bodov<\/strong>. Ni\u017e\u0161\u00ed v\u00fdkon, ako Slovensko, z\u00edskalo v \u0161t\u00fadii u\u017e iba \u010cile.<\/p>\n\n\n\n

\"\"
Zdroj: Unsplash.com<\/a><\/figcaption><\/figure>\n\n\n\n
<\/div>\n\n\n\n

Ako zv\u00fd\u0161i\u0165 finan\u010dn\u00fa gramotnos\u0165?<\/h2>\n\n\n\n

Jednou z mo\u017enost\u00ed, ako zv\u00fd\u0161i\u0165 finan\u010dn\u00fa gramotnos\u0165, je zaradi\u0165 do \u0161k\u00f4l viac vzdel\u00e1vac\u00edch aktiv\u00edt, ktor\u00e9 bud\u00fa \u017eiakov u\u010di\u0165 z\u00e1kladn\u00e9 inform\u00e1cie o peniazoch u\u017e v n\u00edzkom veku. Ministerstvo \u0161kolstva e\u0161te v roku 2020 uviedlo, \u017ee v tomto smere bude \u0161koly a pedag\u00f3gov podporova\u0165, no v\u00fdrazn\u00e9 zmeny zatia\u013e nie je vidno<\/strong>.<\/p>\n\n\n\n

Na pomoc pedag\u00f3gom a \u017eiakom zriadilo pred nieko\u013ek\u00fdmi rokmi ministerstvo financi\u00ed port\u00e1l eduka\u010dn\u00e9ho charakteru Edu-centrum.sk<\/a>, ktor\u00fd v\u0161ak nebol aktualizovan\u00fd u\u017e p\u00e4\u0165 rokov. \u013dudia, ktor\u00ed si t\u00fa\u017eia zlep\u0161i\u0165 finan\u010dn\u00fa gramotnos\u0165 tak maj\u00fa k dispoz\u00edcii len jeden ofici\u00e1lny port\u00e1l od \u0161t\u00e1tu<\/strong>, ktor\u00fdm je Fininfo.sk<\/a>.<\/p>\n\n\n\n

In\u00fdm rie\u0161en\u00edm, ako zv\u00fd\u0161i\u0165 finan\u010dn\u00fa gramotnos\u0165, je samo\u0161t\u00fadium. K dispoz\u00edcii je mno\u017estvo zahrani\u010dn\u00fdch zdrojov a odporu\u010di\u0165 m\u00f4\u017eeme aj nieko\u013eko slovensk\u00fdch. Okrem \u010dl\u00e1nkov na na\u0161om vlastnom blogu<\/a> za zmienku ur\u010dite stoj\u00ed aj port\u00e1l 5pe\u0148az\u00ed<\/a> a medzin\u00e1rodne vyu\u017e\u00edvan\u00e1 str\u00e1nka Investopedia<\/a>.<\/p>\n\n\n\n

Ako ste na tom Vy? Ohodnoti\u0165 svoju investi\u010dn\u00fa gramotnos\u0165 m\u00f4\u017eete napr\u00edklad aj v rovnomennom indexe<\/a>. Zhodnotenie va\u0161ich s\u00fa\u010dasn\u00fdch vedomost\u00ed v\u00e1m uk\u00e1\u017ee bud\u00faci postup. Nezabudnite v\u0161ak teoretick\u00e9 poznatky nadobudnut\u00e9 \u0161t\u00fadiom aplikova\u0165 do praxe, \u010di u\u017e p\u00f4jde o zodpovedn\u00e9 nakupovanie alebo nov\u00fa formu investovania.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00darove\u0148 finan\u010dnej gramotnosti Slov\u00e1kov je pod\u013ea viacer\u00fdch prieskumov vykonan\u00fdch za posledn\u00e9 roky n\u00edzka. Najv\u00e4\u010d\u0161\u00ed vplyv na \u0148u m\u00e1 vzdelanie, no s\u010dasti ju ovplyv\u0148uje aj ve\u013ekos\u0165 mesta, z ktor\u00e9ho \u010dlovek poch\u00e1dza a soci\u00e1lne prostredie. Nespr\u00e1vne finan\u010dn\u00e9 n\u00e1vyky a finan\u010dn\u00e1 nevedomos\u0165 Slov\u00e1kov toti\u017e pr\u00edli\u0161 netr\u00e1pia. Vo ve\u013ekom v\u0161ak ovplyv\u0148uj\u00fa d\u00f4le\u017eit\u00e9 \u017eivotn\u00e9 rozhodnutia. Slov\u00e1ci si veria viac, ako […]<\/p>\n","protected":false},"author":5,"featured_media":325362,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,12],"tags":[],"acf":[],"yoast_head":"\nFinan\u010dn\u00e1 gramotnos\u0165 Slov\u00e1kov je n\u00edzka, ako ju zlep\u0161i\u0165? - Invest in Slovakia<\/title>\n<meta name=\"description\" content=\"Finan\u010dn\u00e1 gramotnos\u0165 Slov\u00e1kov je alarmuj\u00faca. Vo viacer\u00fdch prieskumoch pohoreli \u0161tudenti, aj dospel\u00ed. 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