[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ivao.sk\/ako-sporit-a-neriskovat\/#Article","mainEntityOfPage":"https:\/\/www.ivao.sk\/ako-sporit-a-neriskovat\/","headline":"Ako spori\u0165 a neriskova\u0165","name":"Ako spori\u0165 a neriskova\u0165","description":"Ekonomika a jej ukazovatele nie s\u00fa va\u0161im sporen\u00edm pr\u00edli\u0161 nad\u0161en\u00e9. Je to toti\u017e veli\u010dina, ktor\u00e1 sa ned\u00e1 odhadn\u00fa\u0165. Nikto nevie, kedy a v akom mno\u017estve sa rozhodnete spori\u0165. Pre s\u00fa\u010dasn\u00fd svet je sporenie zl\u00e9 z toho d\u00f4vodu, \u017ee peniaze, ktor\u00e9 s\u00edce existuj\u00fa, sa nijako nevyu\u017e\u00edvaj\u00fa. Ak si za ne ni\u010d nek\u00fapite, akoby ste ich v&hellip; <div class=\"readmore-wrapper\"><a href=\"https:\/\/www.ivao.sk\/ako-sporit-a-neriskovat\/\" class=\"more-link\">Read More<\/a><\/div>","datePublished":"2018-06-26","dateModified":"2018-06-26","author":{"@type":"Person","@id":"https:\/\/www.ivao.sk\/author\/#Person","name":"","url":"https:\/\/www.ivao.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ivao.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ivao.sk\/wp-content\/uploads\/img_a290007_w16513_t1533051739.jpg","url":"https:\/\/www.ivao.sk\/wp-content\/uploads\/img_a290007_w16513_t1533051739.jpg","height":0,"width":0},"url":"https:\/\/www.ivao.sk\/ako-sporit-a-neriskovat\/","wordCount":593,"articleBody":"Ekonomika a jej ukazovatele nie s\u00fa va\u0161im sporen\u00edm pr\u00edli\u0161 nad\u0161en\u00e9. Je to toti\u017e veli\u010dina, ktor\u00e1 sa ned\u00e1 odhadn\u00fa\u0165. Nikto nevie, kedy a v akom mno\u017estve sa rozhodnete spori\u0165. Pre s\u00fa\u010dasn\u00fd svet je sporenie zl\u00e9 z toho d\u00f4vodu, \u017ee peniaze, ktor\u00e9 s\u00edce existuj\u00fa, sa nijako nevyu\u017e\u00edvaj\u00fa. Ak si za ne ni\u010d nek\u00fapite, akoby ste ich v s\u00fa\u010dasnosti ani nemali.Sporenie m\u00f4\u017ee ma\u0165 nieko\u013eko mot\u00edvov, no ten naj\u010dastej\u0161\u00ed je, \u017ee si odklad\u00e1te peniaze z d\u00f4vodu nepredv\u00eddate\u013enosti v bud\u00facnosti. Nikdy neviete \u010do sa vo va\u0161om \u017eivote stane a kedy budete potrebova\u0165 v\u00e4\u010d\u0161ie mno\u017estvo prostriedkov. Taktie\u017e sa vo ve\u013ekom spor\u00ed na d\u00f4chodok. Toto sporenie trv\u00e1 a\u017e nieko\u013eko desa\u0165ro\u010d\u00ed. Cie\u013eom sporenia v\u0161ak nie je \u0161pekulat\u00edvny zisk, spor\u00edte preto, aby ste v bud\u00facnosti mohli to ist\u00e9 mno\u017estvo pe\u0148az\u00ed pou\u017ei\u0165 rovnako. Ak \u010dak\u00e1te, \u017ee vkladan\u00edm va\u0161ich finan\u010dn\u00fdch prostriedkov sa v\u00e1m ich hodnota v bud\u00facnosti zv\u00fd\u0161i, to u\u017e m\u00f4\u017eeme pova\u017eova\u0165 za kombin\u00e1ciu sporenia a investovania. V pr\u00edpade samotn\u00e9ho sporenia je najd\u00f4le\u017eitej\u0161ie to, aby v \u010dase peniaze nestr\u00e1cali hodnotu. T\u00e1 sa str\u00e1ca p\u00f4soben\u00edm infl\u00e1cie, ktor\u00e1 je v\u00fdsledkom zvy\u0161ovania cien. Chvalabohu Slovensko \u017eije v stabilnom prostred\u00ed a preto tu infl\u00e1cia nie je ve\u013ek\u00e1 a eur\u00f3pska centr\u00e1lna banka ju dok\u00e1\u017ee udr\u017eiava\u0165 okolo \u00farovne 2%. Moment\u00e1lne je infl\u00e1cia dokonca pod touto hodnotou. Ak teda chcete aby ste mohli va\u0161e s\u00fa\u010dasn\u00e9 finan\u010dn\u00e9 prostriedky vyu\u017e\u00edva\u0165 v bud\u00facnosti v rovnakej hodnote, h\u013eadajte tak\u00e9 mo\u017enosti sporenia, ktor\u00e9 v\u00e1m pon\u00faknu ro\u010dn\u00fd \u201ezisk\u201c minim\u00e1lne na \u00farovni infl\u00e1cie. \u010c\u00edm je v\u0161ak infl\u00e1cia ni\u017e\u0161ie, t\u00fdm viac \u013eud\u00ed vyu\u017e\u00edva mo\u017enos\u0165, \u017ee si peniaze jednoducho nech\u00e1 doma pod vank\u00fa\u0161om, preto\u017ee nestr\u00e1caj\u00fa takmer \u017eiadnu hodnotu. To nie je dobr\u00e1 spr\u00e1va najm\u00e4 pre sporiace fondy, kde e\u0161te mus\u00edte plati\u0165 r\u00f4zne poplatky za spr\u00e1vu. Kedy je v\u0161ak nebezpe\u010dn\u00e9 si peniaze nech\u00e1va\u0165 u seba doma ? V pr\u00edpade ak je infl\u00e1cia vysok\u00e1. \u00b7 Napr\u00edklad \u013eudia vo Venezuele, ktor\u00fd by pr\u00edli\u0161 nesledovali to, ako sa vyv\u00edja ich ekonomika a neboli by v \u201eobraze\u201c mohli za nieko\u013eko rokov pr\u00eds\u0165 doslova o majetok. Sta\u010dilo ma\u0165 peniaze ulo\u017een\u00e9 doma v skrinke. Vo Venezuele je moment\u00e1lne najvy\u0161\u0161ia infl\u00e1cia na svete dosahuj\u00faca a\u017e 1500% ! \u010co to znamen\u00e1 ? Cena ka\u017ed\u00e9ho produktu na trhu sa priemerne zv\u00fd\u0161ila 15-n\u00e1sobne. Ak ste teda pred rokom kupovali maslo za 1 euro, dnes, po roku by st\u00e1lo 15 eur. V poriadku, ak v\u00e1m v pr\u00e1ci zvy\u0161uj\u00fa mzdy rovnakou r\u00fdchlos\u0165ou, tak sa vlastne ni\u010d nedeje, lebo aj va\u0161a mzda sa zv\u00fd\u0161i 15-n\u00e1sobne. \u010co v\u0161ak s \u00fasporami ? Vo Venezuele je moment\u00e1lne situ\u00e1cia tak\u00e1, \u017ee za rovnak\u00e9 mno\u017estvo pe\u0148az\u00ed, za ktor\u00e9 ste si tam pred 20 rokmi k\u00fapili byt, si dnes k\u00fapite jeden chlieb. Pe\u0148az\u00ed je tak ve\u013ea, \u017ee na lok\u00e1lnych trhovisk\u00e1ch sa u\u017e peniaze nepo\u010d\u00edtaj\u00fa, ale d\u00e1vaj\u00fa na v\u00e1hu a v\u00e1\u017eia sa.  Nech je n\u00e1m situ\u00e1cia vo Venezuele zdvihnut\u00fdm prstom toho, ako sa dok\u00e1\u017ee zmeni\u0165 situ\u00e1cia v ekonomike, ktor\u00e1 ovplyvn\u00ed aj \u017eivot \u013eud\u00ed. Sporme s rozumom.                                                                                                                                                                                                                                                                                                                                                                                         3.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako spori\u0165 a neriskova\u0165","item":"https:\/\/www.ivao.sk\/ako-sporit-a-neriskovat\/#breadcrumbitem"}]}]