[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-si-vytvorit-financni-rezervu\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-si-vytvorit-financni-rezervu\/","headline":"Jak si vytvo\u0159it finan\u010dn\u00ed rezervu:","name":"Jak si vytvo\u0159it finan\u010dn\u00ed rezervu:","description":"1.       M\u016f\u017eeme si cp\u00e1t bankovky pod pol\u0161t\u00e1\u0159, pod matraci, zkr\u00e1tka tam, kde se domn\u00edv\u00e1me \u017ee pro n\u011b bude nejbezpe\u010dn\u011bji. Pak se ale nem\u016f\u017eeme divit, \u017ee n\u00e1m je bytov\u00ed zlod\u011bji nebo podomn\u00ed prodejci „vyluxuj\u00ed“.  2.       Lep\u0161\u00ed je vyu\u017e\u00edt bank. Tam m\u016f\u017eeme volit mezi n\u011bkolika produkty. Jednou z mo\u017enost\u00ed je vlo\u017eit pen\u00edze na b\u011b\u017en\u00fd nebo sporo\u017eirov\u00fd \u00fa\u010det. Tady …

Jak si vytvo\u0159it finan\u010dn\u00ed rezervu:<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-01-29","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/jak-si-vytvorit-financni-rezervu\/","about":["Investice"],"wordCount":548,"articleBody":"1.       M\u016f\u017eeme si cp\u00e1t bankovky pod pol\u0161t\u00e1\u0159, pod matraci, zkr\u00e1tka tam, kde se domn\u00edv\u00e1me \u017ee pro n\u011b bude nejbezpe\u010dn\u011bji. Pak se ale nem\u016f\u017eeme divit, \u017ee n\u00e1m je bytov\u00ed zlod\u011bji nebo podomn\u00ed prodejci „vyluxuj\u00ed“. 2.       Lep\u0161\u00ed je vyu\u017e\u00edt bank. Tam m\u016f\u017eeme volit mezi n\u011bkolika produkty. Jednou z mo\u017enost\u00ed je vlo\u017eit pen\u00edze na b\u011b\u017en\u00fd nebo sporo\u017eirov\u00fd \u00fa\u010det. Tady kv\u016fli inflaci ztr\u00e1cej\u00ed pomalu pen\u00edze na hodnot\u011b. Z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b, jak dlouho se na takov\u00e9m \u00fa\u010dtu oh\u0159ej\u00ed.3.       Pak tu m\u00e1me term\u00ednovan\u00e9 \u00fa\u010dty a vklady. Ty maj\u00ed ale vadu na kr\u00e1se v tom, \u017ee jsou, jak ji\u017e jejich n\u00e1zev vypov\u00edd\u00e1, v\u00e1z\u00e1ny term\u00ednem, kdy m\u016f\u017eeme pen\u00edze vybrat. Doporu\u010duj\u00ed se pro kr\u00e1tkodob\u011bj\u0161\u00ed \u010dasov\u00e9 \u00faseky.4.       V\u00fdhodn\u00e1 jsou stavebn\u00ed spo\u0159en\u00ed. Jejich nev\u00fdhodou je tak\u00e9 to, \u017ee se k nim dostaneme a\u017e po uplynut\u00ed doby, na kterou se up\u00ed\u0161eme. T\u0159eba za p\u011bt a\u017e \u0161est let, z\u00e1le\u017e\u00ed na bance. Lze samoz\u0159ejm\u011b vybrat pen\u00edze i d\u0159\u00edv, pokud se dostanete do situace, \u017ee nem\u00e1te vyhnut\u00ed, ale p\u0159ijdete o spoustu pen\u011bz, proto\u017ee v\u00e1m je prost\u011b strhnou za nedodr\u017een\u00ed term\u00ednu, ke kter\u00e9mu jste se upsali.5.       A m\u00e1me tu pod\u00edlov\u00e9 fondy. Tady je to sp\u00ed\u0161e pro ty, kte\u0159\u00ed r\u00e1di riskuj\u00ed. U fond\u016f m\u016f\u017eete docela dob\u0159e p\u011bkn\u011b vyd\u011blat, nebo se ale m\u016f\u017ee st\u00e1t, \u017ee nenaspo\u0159\u00edte a je\u0161t\u011b prod\u011bl\u00e1te. A to v\u0161e se m\u016f\u017ee odehr\u00e1t b\u011bhem velmi kr\u00e1tk\u00e9 doby, t\u0159eba jednoho roku. Fondy je\u0161t\u011b mohou b\u00fdt obliga\u010dn\u00ed a sm\u00ed\u0161en\u00e9, kter\u00e9 v kr\u00e1tkosti \u0159e\u010deno, nab\u00edzej\u00ed n\u011bco mezi. A posledn\u00ed z fond\u016f jsou fondy garantovan\u00e9. Ty v\u00e1m ov\u0161em negarantuj\u00ed to, \u017ee si na nich p\u011bkn\u011b vyd\u011bl\u00e1te. Garantuj\u00ed ale vlo\u017eenou \u010d\u00e1stku, o tu nep\u0159ijdete.6.       Penzijn\u00ed poji\u0161t\u011bn\u00ed se bere jako poji\u0161t\u011bn\u00ed, kter\u00e9 budeme pot\u0159ebovat ke sv\u00e9mu d\u016fchodu, je\u017e n\u00e1m poskytne st\u00e1t, na \u010das, kdy u\u017e nebudeme aktivn\u00ed v pr\u00e1ci. I tady ale nem\u016f\u017eeme za\u010d\u00edt p\u00e1r let p\u0159ed d\u016fchodem a myslet si, \u017ee si budeme d\u00edky t\u0159eba p\u011btilet\u00e9mu spo\u0159en\u00ed \u017e\u00edt jako kr\u00e1lov\u00e9. Na druhou stranu mysleme na to, \u017ee o vklady sv\u00fdch pen\u011bz m\u016f\u017eeme p\u0159ij\u00edt t\u0159eba i z jedn\u00e9 poloviny. M\u016f\u017ee za to zase ta inflace.Jen si vzpome\u0148te, \u017ee rohl\u00edk st\u00e1l p\u0159ed dvaceti lety 30 hal\u00e9\u0159\u016f a t\u0159eba litr ml\u00e9ka dv\u011b koruny. To mysl\u00edm mluv\u00ed za v\u0161e. Je toho na v\u00e1s moc? \u0158\u00edk\u00e1te si, \u017ee to stejn\u011b nem\u00e1 cenu? Op\u011bt rad\u00edm, zajd\u011bte za odborn\u00edky a v\u0161e, jak spo\u0159it, si d\u016fkladn\u011b rozmyslete. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si vytvo\u0159it finan\u010dn\u00ed rezervu:","item":"https:\/\/www.zerba.cz\/jak-si-vytvorit-financni-rezervu\/#breadcrumbitem"}]}]