{"id":1936,"date":"2017-10-17T10:45:47","date_gmt":"2017-10-17T08:45:47","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=1936"},"modified":"2024-01-23T08:30:27","modified_gmt":"2024-01-23T07:30:27","slug":"sporici-ucty","status":"publish","type":"page","link":"https:\/\/financer.com\/cz\/uspory\/sporici-ucty\/","title":{"rendered":"Spo\u0159ic\u00ed \u00fa\u010dty"},"content":{"rendered":"\n
Vytopen\u00fd byt, po\u0161kozen\u00e9 auto, rozbit\u00e1 ledni\u010dka – nikdy nev\u00edte, kdy se objev\u00ed ne\u010dekan\u00e9 v\u00fddaje. A pr\u00e1v\u011b pro tyto p\u0159\u00edpady se vyplat\u00ed m\u00edt n\u011bco na\u0161et\u0159en\u00e9, abyste se v t\u00e9 chv\u00edli nevydali ze v\u0161ech pen\u011bz. Ne\u010dekan\u00e9 v\u00fddaje se daj\u00ed vy\u0159e\u0161it i rychlou p\u016fj\u010dkou<\/a>, ale p\u016fj\u010den\u00ed pen\u011bz s sebou v\u017edy p\u0159in\u00e1\u0161\u00ed dal\u0161\u00ed v\u00fddaje.<\/p>\n\n\n\n K otev\u0159en\u00ed spo\u0159ic\u00edho \u00fa\u010dtu nemus\u00edte spl\u0148ovat \u017e\u00e1dn\u00e9 speci\u00e1ln\u00ed po\u017eadavky – spo\u0159ic\u00ed \u00fa\u010det si m\u016f\u017ee zalo\u017eit \u00fapln\u011b kdokoli.\u00a0Jedin\u00fd b\u011b\u017en\u00fd po\u017eadavek je jen minim\u00e1ln\u00ed v\u00fd\u0161e \u00faspor na \u00fa\u010dt\u011b (nap\u0159\u00edklad Moneta m\u00e1 200 korun) a v\u011bt\u0161inou po v\u00e1s banka bude cht\u00edt, abyste se stali jej\u00edmi klienty.<\/p>\n\n\n\n Spo\u0159ic\u00ed i\u00a0term\u00ednovan\u00e9 \u00fa\u010dty<\/a> jsou s\u00e1zkou na jistotu, ale pr\u00e1v\u011b kv\u016fli tomu je jejich v\u00fdnos men\u0161\u00ed. Tyto\u00a0\u00fa\u010dty jsou dobrou a jednoduchou volbou pro z\u00edsk\u00e1n\u00ed alespo\u0148 mal\u00e9ho zhodnocen\u00ed pen\u011bz a nevy\u017eaduj\u00ed prakticky \u017e\u00e1dn\u00e9 znalosti finan\u010dn\u00edho trhu. Hod\u00ed se pro v\u0161echny; i pro ty, kte\u0159\u00ed pravideln\u011b zhodnocuj\u00ed sv\u00e9 pen\u00edze v pod\u00edlov\u00fdch fondech a akci\u00edch<\/a>. Jsou tedy v\u00fdbornou mo\u017enost\u00ed, jak dlouhodob\u011b spo\u0159it.<\/p>\n\n\n\n Krom\u011b v\u00fdhody, \u017ee va\u0161e pen\u00edze pouze nesed\u00ed na va\u0161em b\u011b\u017en\u00e9m \u00fa\u010dtu, ale alespo\u0148 minim\u00e1ln\u011b se zhodnocuj\u00ed na spo\u0159\u00edc\u00edm \u00fa\u010dtu, je tu je\u0161t\u011b jin\u00e1 nebankovn\u00ed v\u00fdhoda. Lidsk\u00e1 mysl je vrtkav\u00e1 a v dne\u0161n\u00ed dob\u011b promy\u0161len\u00e9ho marketingu a produktov\u00e9 prezentace je jen velmi obt\u00ed\u017en\u00e9 nepodlehnout konzumn\u00edmu chov\u00e1n\u00ed. Je to na\u0161e hlava, kter\u00e1 n\u00e1s \u017eene k neust\u00e1l\u00e9 touze po n\u011b\u010dem nov\u00e9m. Nov\u00e9 oble\u010den\u00ed, obuv, elektronika, automobil, bydlen\u00ed dovolen\u00e1….zn\u00e1 to p\u0159ece ka\u017ed\u00fd.<\/p>\n\n\n\n A te\u010f zp\u011bt k t\u00e9 v\u00fdhod\u011b. Co o\u010di nevid\u00ed, to srdce nebol\u00ed. Pokud v\u00e1m z \u00fa\u010dtu pravideln\u011b odch\u00e1z\u00ed \u010d\u00e1stka na spo\u0159\u00edc\u00ed \u00fa\u010det, na b\u011b\u017en\u00e9m \u00fa\u010dtu ji u\u017e nevid\u00edte a tak s n\u00ed ani nepo\u010d\u00edt\u00e1te. A co „nem\u00e1te“ nem\u016f\u017eete utratit. N\u011bkdo rad\u00ed ukl\u00e1d\u00e1t si pen\u00edze v hotovosti do ob\u00e1lky. Tento zp\u016fsob v\u0161ak vy\u017eaduje discipl\u00ednu, kterou nem\u00e1 ka\u017ed\u00fd z n\u00e1s.<\/p>\n\n\n\n I kdy\u017e nen\u00ed slo\u017eit\u00e9 pen\u00edze ze spo\u0159\u00edc\u00edho \u00fa\u010dtu vybrat, po\u0159\u00e1d je to minim\u00e1ln\u011b drobn\u00e1 adminstrativa, kter\u00e1 m\u016f\u017ee na\u0161e \u00faspory ochr\u00e1nit p\u0159ed chvilkov\u00fdmi rozmary.<\/p>\n\n\n\n Proto\u017ee ruku na srdce, z t\u00e9 nov\u00e9 bundy m\u00e1me radost pouze p\u00e1r dn\u00ed, pokud v\u016fbec, ale z naspo\u0159en\u00fdch pen\u011bz se m\u016f\u017eeme t\u011b\u0161it daleko d\u00e9le.<\/p>\n\n\n\n \u010cesk\u00e1 republika je stejn\u011b jako jin\u00e9 mnoh\u00e9 st\u00e1ty zodpov\u011bdn\u00e1 za ochranu vklad\u016f sv\u00fdch ob\u010dan\u016f u bank a dru\u017estevn\u00edch z\u00e1lo\u017een. Vklady jsou v \u010cR ze z\u00e1kona poji\u0161t\u011bn\u00e9 a\u017e do v\u00fd\u0161e 100 000 eur, v\u010detn\u011b p\u0159\u00edpadn\u00fdch \u00farok\u016f.<\/p>\n\n\n\n P\u0159\u00edpadn\u00fd krach banky nast\u00e1v\u00e1 opravdu z\u0159\u00eddka a je velice nepravd\u011bpodobn\u00fd. Kdyby ale skute\u010dn\u011b do\u0161lo ke krachu banky nebo z\u00e1lo\u017eny, dostanete v\u0161echny sv\u00e9 pen\u00edze pr\u00e1v\u011b a\u017e do t\u00e9to v\u00fd\u0161e nazp\u00e1tek. Tuto ochranu zaji\u0161\u0165uje Garan\u010dn\u00ed syst\u00e9m finan\u010dn\u00edho trhu, kter\u00fd spravuje Fond poji\u0161t\u011bn\u00ed vklad\u016f. Ten by v p\u0159\u00edpad\u011b \u00fapadku takov\u00e9to spole\u010dnosti pov\u011b\u0159il jinou banku s rozs\u00e1hlou pobo\u010dkovou s\u00edt\u00ed k v\u00fdplat\u011b pen\u011bz a p\u0159evzet\u00ed smluv jej\u00edch klient\u016f.<\/p>\n\n\n\n A\u0165 se tedy stane cokoli, sv\u00e9 naspo\u0159en\u00e9 pen\u00edze m\u00e1te v jak\u00e9koli dru\u017estevn\u00ed z\u00e1lo\u017en\u011b i bance v naprost\u00e9m bezpe\u010d\u00ed.<\/p>\n\n\n\n P\u0159ehled \u00farokov\u00fdch sazeb spo\u0159\u00edc\u00edch \u00fa\u010dtu v roce 2021. Sazby jsou rozd\u011bleny do t\u0159\u00ed kategori\u00ed podle v\u00fd\u0161e \u00faspor. Nab\u00eddka p\u0159edstavuje nejlep\u0161\u00ed nab\u00eddky na trhu.<\/p>\n\n\n\nNa spo\u0159ic\u00edch \u00fa\u010dtech neztrat\u00edte pen\u00edze<\/h3>\n\n\n\n