{"id":738,"date":"2020-05-13T00:00:00","date_gmt":"2020-05-12T22:00:00","guid":{"rendered":"https:\/\/investinslovakia.eu\/rodinne-financie-pod-kontrolou-aj-v-case-koronakrizy\/"},"modified":"2021-12-07T21:39:42","modified_gmt":"2021-12-07T19:39:42","slug":"rodinne-financie-pod-kontrolou-aj-v-case-koronakrizy","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/rodinne-financie-pod-kontrolou-aj-v-case-koronakrizy\/","title":{"rendered":"Rodinn\u00e9 financie pod kontrolou aj v \u010dase koronakr\u00edzy"},"content":{"rendered":"\n
Pand\u00e9mia ochorenia COVID-19 je s\u00fa\u010das\u0165ou na\u0161ich \u017eivotov u\u017e vy\u0161e dvoch mesiacov. Ka\u017ed\u00fd z n\u00e1s rob\u00ed maximum pre to, aby ochr\u00e1nil zdravie seba aj svojich bl\u00edzkych. <\/em><\/p>\n\n\n\n Chr\u00e1nite v\u0161ak aj va\u0161e finan\u010dn\u00e9 zdravie?<\/em> Prin\u00e1\u0161ame v\u00e1m nieko\u013eko praktick\u00fdch r\u00e1d, ako nestrati\u0165 kontrolu nad svojimi financiami po\u010das tohto ne\u0161tandardn\u00e9ho obdobia.<\/em><\/p>\n\n\n\n Tak ako v\u017edy, aj po\u010das trvania kr\u00edzy je potrebn\u00e9 k rozhodnutiam o peniazoch pristupova\u0165 triezvo a s chladnou hlavou. Rodinn\u00e9 financie sa skladaj\u00fa z nieko\u013ek\u00fdch pilierov, \ufe0f o ktor\u00e9 ak sa dostato\u010dne postar\u00e1te, ver\u00edme, \u017ee sa nem\u00e1te \u010doho b\u00e1\u0165, a to ani v pr\u00edpade neo\u010dak\u00e1van\u00fdch v\u00fddavkov \u010di straty zamestnania.<\/p>\n\n\n\n Alfou a omegou rodinn\u00fdch financi\u00ed je takzvan\u00fd rezervn\u00fd fond umiestnen\u00fd na vysoko likvidnom, \u010di\u017ee r\u00fdchlo pr\u00edstupnom sporiacom \u00fa\u010dte<\/strong>. Jeho v\u00fd\u0161ka by nikdy nemala klesn\u00fa\u0165 pod z\u00e1kladn\u00fa hodnotu 1000 eur, av\u0161ak v\u00e4\u010d\u0161ina odborn\u00edkov na financie sa zhoduje, \u017ee pln\u00fd rezervn\u00fd fond by mal by\u0165 vo v\u00fd\u0161ke 3-6 mesa\u010dn\u00fdch v\u00fddavkov va\u0161ej dom\u00e1cnosti<\/strong>.<\/p>\n\n\n\n Pre r\u00fdchlej\u0161ie naplnenie rezervn\u00e9ho fondu m\u00f4\u017eete v s\u00fa\u010dasnosti vyu\u017ei\u0165 aj mimoriadne odlo\u017eenie spl\u00e1tok \u00faverov, a to a\u017e do 9 mesiacov<\/strong>. Tento benefit je mo\u017en\u00e9 vyu\u017ei\u0165 bez negat\u00edvneho z\u00e1pisu do \u00faverov\u00e9ho registra<\/strong>.<\/p>\n\n\n\n Nejasn\u00e1 ekonomick\u00e1 situ\u00e1cia v takmer ka\u017edej slovenskej dom\u00e1cnosti by sa mala premietnu\u0165 aj do zmeny spr\u00e1vy va\u0161ich rodinn\u00fdch financi\u00ed. V pr\u00edpade, ak ste sa v poslednom obdob\u00ed zamerali na r\u00fdchlej\u0161ie spl\u00e1canie va\u0161ich \u00faverov a kreditiek \u010di u\u017e v bankov\u00fdch, alebo v nebankov\u00fdch subjektoch, d\u00f4razne odpor\u00fa\u010dame do\u010dasn\u00e9 pozastavenie extra spl\u00e1tok \u00faverov<\/strong>.\u203c\ufe0f<\/p>\n\n\n\n Prebyto\u010dn\u00e9 financie rad\u0161ej presmerujte do rezervn\u00e9ho fondu, ktor\u00fd m\u00f4\u017eete n\u00e1sledne po skon\u010den\u00ed pand\u00e9mie vyu\u017ei\u0165 na jednor\u00e1zov\u00e9 v\u00e4\u010d\u0161ie spl\u00e1tky st\u00e1vaj\u00facich \u00faverov.<\/p>\n\n\n\n \u201eAk \u010do i len trochu m\u00f4\u017eete, nezadl\u017eujte sa \u010falej. Zadl\u017eovanie sa je jedna z najhor\u0161\u00edch vec\u00ed, ktor\u00fa teraz m\u00f4\u017eete urobi\u0165. Jedn\u00fdm z n\u00e1sledkov s\u00fa\u010dasnej neistoty m\u00f4\u017ee by\u0165 to, \u017ee banky bud\u00fa postupne zvy\u0161ova\u0165 svoje \u00farokov\u00e9 sadzby. Cel\u00e1 va\u0161a finan\u010dn\u00e1 situ\u00e1cia by sa tak mohla sta\u0165 krehkej\u0161ou a potenci\u00e1lne neudr\u017eate\u013enou,\u201c<\/em> pribl\u00ed\u017eil \u0161pecialista zo spr\u00e1vcovskej spolo\u010dnosti V\u00daB Asset Management Peter Margetiny.<\/p>\n\n\n\n Vynikaj\u00facim modelom pre v\u00e1\u0161 mesa\u010dn\u00fd rodinn\u00fd rozpo\u010det je pravidlo 50\/30\/20<\/strong>. Pod\u013ea tohto pravidla by mala smerova\u0165 polovica v\u00e1\u0161ho rodinn\u00e9ho pr\u00edjmu na veci, ktor\u00e9 nutne potrebujete k pre\u017eitiu, ako napr\u00edklad jedlo, n\u00e1jom, energie, telef\u00f3n \u010di internet. \u010eal\u0161\u00edch 30% z rodinn\u00e9ho rozpo\u010dtu by malo \u00eds\u0165 na veci, ktor\u00e9 robia v\u00e1\u0161 \u017eivot pr\u00edjemnej\u0161\u00edm. Sem sa r\u00e1taj\u00fa don\u00e1\u0161ky jedla, cestovanie, n\u00e1kupy oble\u010denia, novej elektroniky, r\u00f4zne \u010dlenstv\u00e1 a podobne.<\/p>\n\n\n\n Zvy\u0161n\u00fdch 20% rozpo\u010dtu by malo by\u0165 alokovan\u00e9 na \u0161etrenie, respekt\u00edve spl\u00e1canie aktu\u00e1lnych dlhov. Ak m\u00e1te plne-dotovan\u00fd rodinn\u00fd rezervn\u00fd fond a \u017eiadne dlhy, peniaze by ste mali presmerova\u0165 na n\u00e1kup invest\u00edci\u00ed, ktor\u00fd v\u00e1m prinesie nov\u00e9 peniaze do rozpo\u010dtu.<\/p>\n\n\n\n Ako sa vrav\u00ed, v\u0161etko zl\u00e9 je na nie\u010do dobr\u00e9. A t\u00fdm dobr\u00fdm je moment\u00e1lne mo\u017enos\u0165 nakupova\u0165 v takzvan\u00fdch v\u00fdpredajoch. V pr\u00edpade investovania sa v\u00e1m tak naskyt\u00e1 \u0161anca, ak\u00e1 tu nebola od roku 2008.<\/strong> <\/p>\n\n\n\n Finan\u010dn\u00e9 trhy sa nach\u00e1dzaj\u00fa na nieko\u013ekoro\u010dn\u00fdch minim\u00e1ch. Ak ste v\u00e1hali so za\u010dat\u00edm investovania do individu\u00e1lnych akci\u00ed, indexov\u00fdch fondov \u010di ETF, teraz je ten spr\u00e1vny \u010das.\u23f3 Na trhu existuje samozrejme mno\u017estvo investi\u010dn\u00fdch n\u00e1strojov, s v\u00fdberom ktor\u00fdch by v\u00e1m mal poradi\u0165 profesion\u00e1l. V\u00fd\u0161ka \u00favodnej invest\u00edcie sa pohybuje niekde okolo 2000 eur.<\/p>\n\n\n\n V pr\u00edpade, \u017ee nem\u00e1te k dispoz\u00edcii v\u00e4\u010d\u0161ie obnosy pe\u0148az\u00ed ur\u010den\u00e9 na investovanie, t\u00fdm prav\u00fdm sp\u00f4sobom investovania by pre v\u00e1s mohla by\u0165 takzvan\u00e1 spolu\u00fa\u010das\u0165 na investi\u010dn\u00fdch realitn\u00fdch projektoch<\/a>. U\u017e za n\u00edzku invest\u00edciu od <\/strong> eur sa m\u00f4\u017eete sta\u0165 investorom<\/strong> a z\u00edska\u0165 tak podiel na zisku z projektu, ktor\u00e9ho z\u00e1merom b\u00fdva naj\u010dastej\u0161ie zhodnotenie nehnute\u013enosti a jej n\u00e1sledn\u00fd predaj. <\/p>\n\n\n\n <\/p>\n\n\n\nRezervn\u00fd fond ako indik\u00e1tor finan\u010dn\u00e9ho zdravia rodiny.<\/h2>\n\n\n\n
R\u00fdchlej\u0161ie spl\u00e1canie \u00faverov sa v\u00e1m aktu\u00e1lne neoplat\u00ed.<\/h2>\n\n\n\n
Nastavte si rodinn\u00fd rozpo\u010det.<\/h2>\n\n\n\n
Investovanie v obdob\u00ed koronakr\u00edzy.<\/h2>\n\n\n\n