{"id":904,"date":"2020-08-19T00:00:00","date_gmt":"2020-08-18T22:00:00","guid":{"rendered":"https:\/\/investinslovakia.eu\/najcastejsie-myty-o-peniazoch-1\/"},"modified":"2021-12-07T21:05:57","modified_gmt":"2021-12-07T19:05:57","slug":"najcastejsie-myty-o-peniazoch-1","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/najcastejsie-myty-o-peniazoch-1\/","title":{"rendered":"Naj\u010dastej\u0161ie m\u00fdty o peniazoch #1"},"content":{"rendered":"\n

Riadenie osobn\u00fdch financi\u00ed je aj v dne\u0161nej dobe st\u00e1le pre mnoho \u013eud\u00ed n\u00e1ro\u010dn\u00e9. Slab\u00e9 vedomostn\u00e9 z\u00e1klady zo vzdel\u00e1vacieho syst\u00e9mu prispievaj\u00fa k presved\u010deniam o peniazoch, ktor\u00e9 nie s\u00fa v\u017edy pravdiv\u00e9. Dnes sa pozrieme na 3 naj\u010dastej\u0161ie m\u00fdty o peniazoch, ktor\u00fdm \u013eudia dodnes veria.<\/em><\/p>\n\n\n\n

M\u00fdtus \u010d.1: Investovanie je v\u017edy vysoko rizikov\u00e9<\/h4>\n\n\n\n

Mnoho \u013eud\u00ed sa nah\u00e1\u0148a na finan\u010dn\u00fdch trhoch za r\u00fdchlym ziskom, a tak nakupuje takzvan\u00e9 alternat\u00edvne invest\u00edcie v podobe bitcoinov, zlata, opci\u00ed, alebo sa rozhodne kupova\u0165 individu\u00e1lne akcie spolo\u010dnost\u00ed. Tento druh investovania, a to najm\u00e4 pre nesk\u00fasen\u00e9ho investora, m\u00f4\u017ee by\u0165 rovnako v\u00fdnosn\u00fd ako n\u00e1kup lot\u00e9riov\u00e9ho l\u00edstka. <\/strong>
<\/p>\n\n\n\n

Ak chcete riadi\u0165 riziko va\u0161ich invest\u00edci\u00ed, namiesto investovania do rizikov\u00fdch akt\u00edv, pri ktor\u00fdch s vysokou pravdepodobnos\u0165ou pr\u00eddete o peniaze, pozrite sa na invest\u00edcie do indexov\u00fdch fondov, realitn\u00fdch fondov alebo na <\/strong>realitn\u00fd crowdfunding<\/strong><\/a>.<\/strong> Tieto invest\u00edcie v\u00e1m okrem vzru\u0161enia z investovania prines\u00fa aj dlhodob\u00fd finan\u010dn\u00fd \u00faspech.
<\/p>\n\n\n\n

M\u00fdtus \u010d.2: V\u0161etky typy dlhov s\u00fa zl\u00e9<\/h4>\n\n\n\n

Ak m\u00e1te dlhy, ich splatenie \u010do najsk\u00f4r je ur\u010dite dobr\u00fd n\u00e1pad. To v\u0161ak neznamen\u00e1, \u017ee ka\u017ed\u00fd dlh je nevyhnutne zl\u00fd. Samozrejme, medzi najhor\u0161ie typy dlhov patria kreditn\u00e9 karty a p\u00f4\u017ei\u010dky od nebankov\u00fdch spolo\u010dnost\u00ed<\/strong>, pri ktor\u00fdch sa dok\u00e1\u017ee vy\u0161plha\u0165 \u00farokov\u00e1 sadzba a\u017e k 15 \u010di 20% ro\u010dne. Tieto peniaze navy\u0161e \u013eudia vyu\u017e\u00edvaj\u00fa preva\u017ene na n\u00e1kup tovarov, \u00e1ut, dar\u010dekov, alebo na spl\u00e1canie in\u00fdch dlhov, \u010do ich nijak\u00fdm sp\u00f4sobom nepribl\u00ed\u017ei k vyt\u00fa\u017een\u00e9mu \u017eivotu a finan\u010dnej nez\u00e1vislosti.
<\/p>\n\n\n\n

Na rozdiel od kreditiek s\u00fa v\u0161ak k dispoz\u00edcii napr\u00edklad aj hypotek\u00e1rne \u00favery, ktor\u00e9 sa radia medzi takzvan\u00e9 \"dobr\u00e9 dlh\u00fd\" . Dobr\u00e9 dlhy s\u00fa tak\u00e9, ktor\u00e9 v\u00e1m pom\u00f4\u017eu posun\u00fa\u0165 v\u00e1\u0161 \u017eivot \u010falej smerom, ktor\u00fdm chcete.<\/strong> K dobr\u00fdm dlhom preto m\u00f4\u017eeme radi\u0165 aj peniaze z \u00faverov pou\u017eit\u00e9 na vzdel\u00e1vanie, av\u0161ak iba ak maj\u00fa ni\u017e\u0161iu \u00farokov\u00fa sadzbu ne\u017e 8% ro\u010dne. Hypotek\u00e1rne \u00favery s\u00fa navy\u0161e zalo\u017een\u00e9 nehnute\u013enos\u0165ou, ktor\u00e1 m\u00e1 sama o sebe hodnotu, ktor\u00fa je mo\u017en\u00e9 v pr\u00edpade n\u00fadze spe\u0148a\u017ei\u0165 a vyplati\u0165 tak spom\u00ednan\u00fd hypotek\u00e1rny \u00faver.
<\/p>\n\n\n\n

M\u00fdtus \u010d.3: Vlastnenie nehnute\u013enosti je lep\u0161ie ako pren\u00e1jom<\/h4>\n\n\n\n

Napriek tomu, \u017ee je hypotek\u00e1rny \u00faver t\u00fdm lep\u0161\u00edm typom dlhu, nie v\u017edy sa oplat\u00ed investova\u0165 priamo do k\u00fapy nehnute\u013enosti. K\u00fapa nehnute\u013enosti je pre v\u00e4\u010d\u0161inu \u013eud\u00ed najv\u00e4\u010d\u0161\u00edm n\u00e1kupom, ak\u00fd za \u017eivot zrealizuj\u00fa. Ten v\u0161ak prich\u00e1dza s obvykle 30-ro\u010dnou hypot\u00e9kou a \u010fal\u0161\u00edmi finan\u010dn\u00fdmi z\u00e1v\u00e4zkami, ktor\u00e9 je potrebn\u00e9 plni\u0165 v z\u00e1ujme udr\u017eania nehnute\u013enosti v chode. 
<\/p>\n\n\n\n

Preto, ak preferujete \u017eivot v centre mesta, alebo v drahej lokalite, popr\u00edpade nie ste e\u0161te rozhodnut\u00ed, kde sa chcete usadi\u0165, prenaj\u00edma\u0165 si nehnute\u013enos\u0165 je pravdepodobne pre v\u00e1s to najpraktickej\u0161ie rie\u0161enie. <\/strong>K\u00fapou nehnute\u013enosti sa v\u00e1m navy\u0161e v\u00fdrazne zn\u00ed\u017ei mesa\u010dn\u00fd cash flow, a tak si budete musie\u0165 odoprie\u0165 aj \u010fal\u0161ie pote\u0161enia \u017eivota ako cestovanie, nakupovanie tovarov a slu\u017eieb, alebo frekventovan\u00e9 n\u00e1v\u0161tevy re\u0161taur\u00e1ci\u00ed.
<\/p>\n\n\n\n

Ak\u00fdm m\u00fdtom o peniazoch ste dlho verili vy? Dajte n\u00e1m vedie\u0165 a u\u017e teraz sa m\u00f4\u017eete te\u0161i\u0165 na druh\u00fa \u010das\u0165 s\u00e9rie M\u00fdtov o peniazoch, v ktorej si prezrad\u00edme \u010fal\u0161ie m\u00fdty, ktor\u00e9 mo\u017eno aj v\u00e1s delia od finan\u010dnej slobody.<\/p>\n\n\n\n

* Na\u0161li ste chybu? Nap\u00ed\u0161te n\u00e1m na podpora@investiciaslovensko.sk<\/em> <\/p>\n","protected":false},"excerpt":{"rendered":"

Riadenie osobn\u00fdch financi\u00ed je aj v dne\u0161nej dobe st\u00e1le pre mnoho \u013eud\u00ed n\u00e1ro\u010dn\u00e9. Slab\u00e9 vedomostn\u00e9 z\u00e1klady zo vzdel\u00e1vacieho syst\u00e9mu prispievaj\u00fa k presved\u010deniam o peniazoch, ktor\u00e9 nie s\u00fa v\u017edy pravdiv\u00e9. Dnes sa pozrieme na 3 naj\u010dastej\u0161ie m\u00fdty o peniazoch, ktor\u00fdm \u013eudia dodnes veria. M\u00fdtus \u010d.1: Investovanie je v\u017edy vysoko rizikov\u00e9 Mnoho \u013eud\u00ed sa nah\u00e1\u0148a na finan\u010dn\u00fdch […]<\/p>\n","protected":false},"author":3,"featured_media":1622,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"yoast_head":"\nNaj\u010dastej\u0161ie m\u00fdty o peniazoch #1 - 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:\/\/investinslovakia.eu\/najcastejsie-myty-o-peniazoch-1\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Naj\u010dastej\u0161ie m\u00fdty o peniazoch #1 - Invest in Slovakia\" \/>\n<meta property=\"og:description\" content=\"Riadenie osobn\u00fdch financi\u00ed je aj v dne\u0161nej dobe st\u00e1le pre mnoho \u013eud\u00ed n\u00e1ro\u010dn\u00e9. 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