{"id":329776,"date":"2024-09-17T09:47:03","date_gmt":"2024-09-17T07:47:03","guid":{"rendered":"https:\/\/wordpress.investinslovakia.eu\/?p=329776"},"modified":"2024-09-17T09:47:04","modified_gmt":"2024-09-17T07:47:04","slug":"sporiace-ucty-vs-terminovane-vklady-vs-crowdfunding-co-je-pre-slovenskych-investorov-vyhodnejsie","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/sporiace-ucty-vs-terminovane-vklady-vs-crowdfunding-co-je-pre-slovenskych-investorov-vyhodnejsie\/","title":{"rendered":"Sporiace \u00fa\u010dty vs. Term\u00ednovan\u00e9 vklady vs. Crowdfunding: \u010co je pre slovensk\u00fdch investorov v\u00fdhodnej\u0161ie?"},"content":{"rendered":"\n<p class=\"has-large-font-size\"><strong>H\u013eadanie optim\u00e1lneho sp\u00f4sobu, ako zhodnocova\u0165 peniaze<\/strong><\/p>\n\n\n\n<p>Ke\u010f sa rozhodujete,&nbsp;ako zhodnoti\u0165 svoje peniaze, m\u00e1te nieko\u013eko mo\u017enost\u00ed: sporiace \u00fa\u010dty, term\u00ednovan\u00e9 vklady a crowdfunding. Ka\u017ed\u00fd z t\u00fdchto n\u00e1strojov m\u00e1 svoje v\u00fdhody a nev\u00fdhody. V tomto \u010dl\u00e1nku sa pozrieme na to, ako si jednotliv\u00e9 mo\u017enosti ved\u00fa a \u010do m\u00f4\u017eu pon\u00faknu\u0165 slovensk\u00fdm investorom.<\/p>\n\n\n\n<p class=\"has-large-font-size\"><strong>Sporiace \u00fa\u010dty: \u010co pon\u00fakaj\u00fa?<\/strong><\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>\u00darokov\u00e9 sadzby a pr\u00edklady najv\u00fdhodnej\u0161\u00edch sporiacich \u00fa\u010dtov na Slovensku<\/strong>\n<ul>\n<li><strong>Unicredit Bank - <\/strong>Sporiaci \u00fa\u010det s \u00farokovou sadzbou 3,0% p.a.<\/li>\n\n\n\n<li><strong>Fio Banka - <\/strong>Sporiaci \u00fa\u010det s \u00farokovou sadzbou 3,0% p.a.<\/li>\n\n\n\n<li><strong>Slovensk\u00e1 sporite\u013e\u0148a - <\/strong>Sporiaci \u00fa\u010det s \u00farokovou sadzbou 1,5 % p.a.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p>Tieto \u00farokov\u00e9 sadzby s\u00fa aktu\u00e1lne k roku 2024 a m\u00f4\u017eu sa meni\u0165. Sporiaci \u00fa\u010det v Unicredit Banke, Fio Banke a Slovenskej sporite\u013eni pon\u00fakaj\u00fa najvy\u0161\u0161iu \u00farokov\u00fa sadzbu, ale \u00farokov\u00e9 sadzby u in\u00fdch b\u00e1nk s\u00fa tie\u017e konkurencieschopn\u00e9.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Bezpe\u010dnos\u0165 a likvidita<\/strong>:&nbsp;Sporiace \u00fa\u010dty poskytuj\u00fa vysok\u00fa bezpe\u010dnos\u0165 a likviditu.&nbsp;Vklady s\u00fa poisten\u00e9 a\u017e do v\u00fd\u0161ky 100.000 EUR na osobu a banku pod\u013ea slovensk\u00e9ho z\u00e1kona o poisten\u00ed vkladov. To zais\u0165uje, \u017ee va\u0161e peniaze s\u00fa v bezpe\u010d\u00ed, ale nezab\u00fadajme na n\u00edzke \u00farokov\u00e9 sadzby.<\/li>\n\n\n\n<li><strong>Priemern\u00e9 \u00faspory a historick\u00e9 trendy<\/strong>:\n<ul>\n<li><strong>Priemern\u00e9 mesa\u010dn\u00e9 \u00faspory<\/strong>: Priemern\u00fd Slov\u00e1k odklad\u00e1 na sporiacom \u00fa\u010dte pribli\u017ene 100 EUR mesa\u010dne. To predstavuje ro\u010dne \u00faspory vo v\u00fd\u0161ke pribli\u017ene 1.200 EUR.<\/li>\n\n\n\n<li><strong>Historick\u00fd v\u00fdvoj<\/strong>: Za posledn\u00fdch 20 rokov sa&nbsp;\u00faspory Slov\u00e1kov r\u00e1stli, no \u00farokov\u00e9 sadzby na sporiacich \u00fa\u010dtoch sa v posledn\u00fdch rokoch zni\u017eovali.&nbsp;V s\u00fa\u010dasnosti na sporiacich \u00fa\u010dtoch le\u017e\u00ed viac ako 16 mili\u00e1rd EUR, \u010do odr\u00e1\u017ea rast\u00facu opatrnos\u0165 Slov\u00e1kov v investovan\u00ed a preferenciu bezpe\u010dnej\u0161\u00edch mo\u017enost\u00ed.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>V\u00fdhody a nev\u00fdhody<\/strong>:\n<ul>\n<li><strong>V\u00fdhody<\/strong>: Bezpe\u010dnos\u0165, jednoduch\u00e9, \u013eahk\u00fd pr\u00edstup.<\/li>\n\n\n\n<li><strong>Nev\u00fdhody<\/strong>: N\u00edzke \u00farokov\u00e9 sadzby, ktor\u00e9 m\u00f4\u017eu by\u0165 ni\u017e\u0161ie ako infl\u00e1cia, \u010do znamen\u00e1 re\u00e1lnu stratu k\u00fapnej sily.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"has-large-font-size\"><strong>Term\u00ednovan\u00e9 vklady: \u010co pon\u00fakaj\u00fa?<\/strong><\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>\u00darokov\u00e9 sadzby a pr\u00edklady term\u00ednovan\u00fdch vkladov na Slovensku<\/strong>:\n<ul>\n<li><strong>FIO banka:<\/strong> Term\u00ednovan\u00fd vklad s \u00farokovou sadzbou 3,00 % p.a. pre vklad na 1 rok.<\/li>\n\n\n\n<li><strong>Privat Banka<\/strong>: Term\u00ednovan\u00fd vklad s \u00farokovou sadzbou 3,00 % p.a. pre vklad na 1 rok.<\/li>\n\n\n\n<li><strong>Slovensk\u00e1 sporite\u013e\u0148a<\/strong>: Term\u00ednovan\u00fd vklad s \u00farokovou sadzbou 3,00 % p.a. pre vklad na 1 a\u017e 3 roky.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p>\u00darokov\u00e9 sadzby s\u00fa aktu\u00e1lne k roku 2024 a m\u00f4\u017eu sa meni\u0165. Term\u00ednovan\u00e9 vklady zvy\u010dajne pon\u00fakaj\u00fa lep\u0161ie \u00farokov\u00e9 sadzby ako be\u017en\u00e9 sporiace \u00fa\u010dty, ale peniaze s\u00fa na ur\u010dit\u00fa dobu blokovan\u00e9.<\/p>\n\n\n\n<ol start=\"2\">\n<li><strong>Bezpe\u010dnos\u0165 a likvidita<\/strong>: Term\u00ednovan\u00e9 vklady s\u00fa tie\u017e poisten\u00e9 do v\u00fd\u0161ky 100.000 EUR na osobu a banku. Ich nev\u00fdhodou je, \u017ee peniaze s\u00fa viazan\u00e9 po dobu trvania vkladu,&nbsp;\u010do znamen\u00e1, \u017ee nie s\u00fa okam\u017eite pr\u00edstupn\u00e9.<\/li>\n\n\n\n<li><strong>Trendy a aktu\u00e1lne \u00fadaje<\/strong>:\n<ul>\n<li><strong>Trendy<\/strong>: V posledn\u00fdch rokoch sa \u00farokov\u00e9 sadzby na term\u00ednovan\u00fdch vkladoch postupne zni\u017eovali, ale st\u00e1le pon\u00fakaj\u00fa vy\u0161\u0161ie \u00farokov\u00e9 sadzby ne\u017e sporiace \u00fa\u010dty. Term\u00ednovan\u00e9 vklady s\u00fa popul\u00e1rne medzi konzervat\u00edvnymi investormi, ktor\u00ed preferuj\u00fa stabiln\u00fd, aj ke\u010f ni\u017e\u0161\u00ed, v\u00fdnos.<\/li>\n\n\n\n<li><strong>Aktu\u00e1lne \u00fadaje<\/strong>: V s\u00fa\u010dasnosti je na term\u00ednovan\u00fdch vkladoch na Slovensku ulo\u017een\u00fdch pribli\u017ene 12 mili\u00e1rd EUR. Tento \u00fadaj nazna\u010duje, \u017ee slovensk\u00ed investori st\u00e1le pova\u017euj\u00fa term\u00ednovan\u00e9 vklady za bezpe\u010dn\u00fa formu ukladania pe\u0148az\u00ed.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>V\u00fdhody a nev\u00fdhody<\/strong>:\n<ul>\n<li><strong>V\u00fdhody<\/strong>: Vy\u0161\u0161ie \u00farokov\u00e9 sadzby ako sporiace \u00fa\u010dty, vysok\u00e1 bezpe\u010dnos\u0165.<\/li>\n\n\n\n<li><strong>Nev\u00fdhody<\/strong>: Ni\u017e\u0161ia likvidita, peniaze s\u00fa blokovan\u00e9 na ur\u010dit\u00fa dobu.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"has-large-font-size\"><strong>Crowdfunding:&nbsp;Ak\u00e9 s\u00fa v\u00fdsledky invest\u00edci\u00ed<\/strong><strong>?<\/strong><\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Crowdfunding<\/strong>:\n<ul>\n<li><strong>V\u00fdnosy<\/strong>:&nbsp;Na\u0161a crowdfundingov\u00e1 platforma pon\u00faka v\u00fdnos a\u017e 11 % p.a..&nbsp;Va\u0161e invest\u00edcie s\u00fa zabezpe\u010den\u00e9 existuj\u00facimi nehnute\u013enos\u0165ami a LTV (Loan-to-Value) je maxim\u00e1lne 65 % z hodnoty nehnute\u013enosti. To znamen\u00e1, \u017ee va\u0161e invest\u00edcie s\u00fa dobre zabezpe\u010den\u00e9, \u010do v\u00fdrazne zni\u017euje riziko. Ak by ste miesto sporenia na \u00fa\u010det investovali 100 EUR mesa\u010dne na crowdfundingovej platforme, po 5 rokoch by va\u0161a invest\u00edcia mohla vzr\u00e1st\u0165 na pribli\u017ene 6.805 EUR (pri zlo\u017eenom \u00faro\u010den\u00ed).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>V\u00fdhody a nev\u00fdhody<\/strong>:\n<ul>\n<li><strong>V\u00fdhody<\/strong>: Vy\u0161\u0161ie v\u00fdnosy, invest\u00edcie zabezpe\u010den\u00e9 nehnute\u013enos\u0165ami, minim\u00e1lna spr\u00e1va.<\/li>\n\n\n\n<li><strong>Nev\u00fdhody<\/strong>: Peniaze s\u00fa investovan\u00e9 na dlh\u0161iu dobu, hoci je riziko v\u00fdrazne zn\u00ed\u017een\u00e9 v\u010faka zabezpe\u010deniu nehnute\u013enos\u0165ami.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"has-large-font-size\"><strong>Trendy v Eur\u00f3pskej \u00fanii: Sporiace \u00fa\u010dty, term\u00ednovan\u00e9 vklady a invest\u00edcie<\/strong><\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Sporiace \u00fa\u010dty v Eur\u00f3pskej \u00fanii<\/strong>:\n<ul>\n<li><strong>Priemern\u00e9 \u00farokov\u00e9 sadzby<\/strong>: V priemere s\u00fa \u00farokov\u00e9 sadzby na sporiacich \u00fa\u010dtoch v E\u00da ni\u017e\u0161ie ne\u017e v minulosti, v\u00e4\u010d\u0161inou sa pohybuj\u00fa okolo 0,1 % a\u017e 0,5 % p.a. Nemecko, Holandsko a Rak\u00fasko maj\u00fa v tomto smere vy\u0161\u0161ie \u00farokov\u00e9 sadzby v porovnan\u00ed s in\u00fdmi krajinami.<\/li>\n\n\n\n<li><strong>Trend<\/strong>: V posledn\u00fdch rokoch kles\u00e1 ob\u013euba sporiacich \u00fa\u010dtov, ke\u010f\u017ee n\u00edzke \u00farokov\u00e9 sadzby neposkytuj\u00fa dostato\u010dn\u00fd v\u00fdnos na pokrytie infl\u00e1cie.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Term\u00ednovan\u00e9 vklady v Eur\u00f3pskej \u00fanii<\/strong>:\n<ul>\n<li><strong>Priemern\u00e9 \u00farokov\u00e9 sadzby<\/strong>: \u00darokov\u00e9 sadzby na term\u00ednovan\u00fdch vkladoch s\u00fa v E\u00da lep\u0161ie ako na sporiacich \u00fa\u010dtoch, zvy\u010dajne sa pohybuj\u00fa okolo 0,5 % a\u017e 1,5 % p.a. \u0160v\u00e9dsko a \u0160vaj\u010diarsko maj\u00fa vy\u0161\u0161ie \u00farokov\u00e9 sadzby v porovnan\u00ed s priemerom.<\/li>\n\n\n\n<li><strong>Trend<\/strong>: Term\u00ednovan\u00e9 vklady s\u00fa st\u00e1le ob\u013e\u00faben\u00e9 medzi konzervat\u00edvnymi investormi, ktor\u00ed preferuj\u00fa vy\u0161\u0161\u00ed, aj ke\u010f st\u00e1le n\u00edzky, garantovan\u00fd v\u00fdnos.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Investovanie v E\u00da<\/strong>:\n<ul>\n<li><strong>Trend<\/strong>: Investovanie do alternat\u00edvnych n\u00e1strojov, ako s\u00fa crowdfunding a peer-to-peer platformy, rastie. Mnoho investorov h\u013ead\u00e1 vy\u0161\u0161ie v\u00fdnosy a diverzifik\u00e1ciu mimo tradi\u010dn\u00fdch bankov\u00fdch produktov. Crowdfunding z\u00edskava na popularite, najm\u00e4 v krajin\u00e1ch ako Spojen\u00e9 kr\u00e1\u013eovstvo, Franc\u00fazsko a Nemecko, kde s\u00fa regula\u010dn\u00e9 r\u00e1mce priazniv\u00e9.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"has-large-font-size\"><strong>Tip na z\u00e1ver:&nbsp;Ako efekt\u00edvne spori\u0165?<\/strong><strong><\/strong><\/p>\n\n\n\n<p>Ak chcete maxim\u00e1lne vyu\u017ei\u0165 mo\u017enosti sporenia a investovania, m\u00f4\u017eete si zo svojho \u00fa\u010dtu nastavi\u0165 trval\u00fd pr\u00edkaz na pravideln\u00e9 ukl\u00e1danie 100 EUR mesa\u010dne. To v\u00e1m umo\u017en\u00ed postupne vytv\u00e1ra\u0165 rezervu alebo investova\u0165 bez potreby pravideln\u00e9ho rozhodovania.<\/p>\n\n\n\n<p>Navy\u0161e pripravujeme novinku \u2013 AutoInvest a ReInvest \u2013 ktor\u00e9 v\u00e1m umo\u017enia automaticky investova\u0165 a reinvestova\u0165 va\u0161e prostriedky, \u010d\u00edm u\u013eah\u010d\u00edte spr\u00e1vu svojich invest\u00edci\u00ed. O tejto novinke v\u00e1s \u010doskoro informujeme, tak\u017ee sledujte na\u0161e novinky!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u013eadanie optim\u00e1lneho sp\u00f4sobu, ako zhodnocova\u0165 peniaze Ke\u010f sa rozhodujete,&nbsp;ako zhodnoti\u0165 svoje peniaze, m\u00e1te nieko\u013eko mo\u017enost\u00ed: sporiace \u00fa\u010dty, term\u00ednovan\u00e9 vklady a crowdfunding. Ka\u017ed\u00fd z t\u00fdchto n\u00e1strojov m\u00e1 svoje v\u00fdhody a nev\u00fdhody. V tomto \u010dl\u00e1nku sa pozrieme na to, ako si jednotliv\u00e9 mo\u017enosti ved\u00fa a \u010do m\u00f4\u017eu pon\u00faknu\u0165 slovensk\u00fdm investorom. Sporiace \u00fa\u010dty: \u010co pon\u00fakaj\u00fa? Tieto \u00farokov\u00e9 sadzby [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":329783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,14],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Sporiace \u00fa\u010dty vs. Term\u00ednovan\u00e9 vklady vs. Crowdfunding: \u010co je pre slovensk\u00fdch investorov v\u00fdhodnej\u0161ie? - Invest in Slovakia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wordpress.investinslovakia.eu\/sk\/sporiace-ucty-vs-terminovane-vklady-vs-crowdfunding-co-je-pre-slovenskych-investorov-vyhodnejsie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sporiace \u00fa\u010dty vs. Term\u00ednovan\u00e9 vklady vs. Crowdfunding: \u010co je pre slovensk\u00fdch investorov v\u00fdhodnej\u0161ie? - Invest in Slovakia\" \/>\n<meta property=\"og:description\" content=\"H\u013eadanie optim\u00e1lneho sp\u00f4sobu, ako zhodnocova\u0165 peniaze Ke\u010f sa rozhodujete,&nbsp;ako zhodnoti\u0165 svoje peniaze, m\u00e1te nieko\u013eko mo\u017enost\u00ed: sporiace \u00fa\u010dty, term\u00ednovan\u00e9 vklady a crowdfunding. 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