[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kam-ulozit-penize-kdyz-se-blizi-konec-stavebniho-sporeni\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kam-ulozit-penize-kdyz-se-blizi-konec-stavebniho-sporeni\/","headline":"Kam ulo\u017eit pen\u00edze, kdy\u017e se bl\u00ed\u017e\u00ed konec stavebn\u00edho spo\u0159en\u00ed?","name":"Kam ulo\u017eit pen\u00edze, kdy\u017e se bl\u00ed\u017e\u00ed konec stavebn\u00edho spo\u0159en\u00ed?","description":"Vtip je v&nbsp;tom, \u017ee kdy\u017e nav\u0161t\u00edv\u00edte jen jednu instituci, nap\u0159. banku, ta V\u00e1m samoz\u0159ejm\u011b nab\u00eddne, co je v\u00fdhodn\u00e9 p\u0159edev\u0161\u00edm pro ni. Po\u0159\u00e1d se tedy vyplat\u00ed odborn\u00edk ze sv\u011bta financ\u00ed, ne\u017e ob\u00edhat dvacet finan\u010dn\u00edch subjekt\u016f, nebo si s&nbsp;nimi dopisovat a n\u011bkolik t\u00fddn\u016f vyhodnocovat v\u00fdsledky a porovn\u00e1vat je mezi sebou. U stavebn\u00edho spo\u0159en\u00ed na \u0161est let se &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kam-ulozit-penize-kdyz-se-blizi-konec-stavebniho-sporeni\/\"> <span class=\"screen-reader-text\">Kam ulo\u017eit pen\u00edze, kdy\u017e se bl\u00ed\u017e\u00ed konec stavebn\u00edho spo\u0159en\u00ed?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-16","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}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a308891_w1729_t1519899989.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a308891_w1729_t1519899989.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/kam-ulozit-penize-kdyz-se-blizi-konec-stavebniho-sporeni\/","about":["Finan\u010dn\u00ed spole\u010dnosti"],"wordCount":420,"articleBody":"\tVtip je v&nbsp;tom, \u017ee kdy\u017e nav\u0161t\u00edv\u00edte jen jednu instituci, nap\u0159. banku, ta V\u00e1m samoz\u0159ejm\u011b nab\u00eddne, co je v\u00fdhodn\u00e9 p\u0159edev\u0161\u00edm pro ni. Po\u0159\u00e1d se tedy vyplat\u00ed odborn\u00edk ze sv\u011bta financ\u00ed, ne\u017e ob\u00edhat dvacet finan\u010dn\u00edch subjekt\u016f, nebo si s&nbsp;nimi dopisovat a n\u011bkolik t\u00fddn\u016f vyhodnocovat v\u00fdsledky a porovn\u00e1vat je mezi sebou.\tU stavebn\u00edho spo\u0159en\u00ed na \u0161est let se jedn\u00e1 v&nbsp;pr\u016fm\u011bru o sumu kolem 150 &ndash; 200 tis\u00edc korun p\u0159i st\u00e1tn\u00ed podpo\u0159e dva tis\u00edce ro\u010dn\u011b a \u00farokov\u00e9 sazb\u011b kolem jednoho procenta. Ode\u010d\u00edt\u00e1 se da\u0148 a ro\u010dn\u00ed poplatek za veden\u00ed \u00fa\u010dtu, p\u0159itom star\u0161\u00ed smlouvy se je\u0161t\u011b \u00faro\u010d\u00ed vy\u0161\u0161\u00edm \u00farokem.\t\tRozhodnut\u00ed, co d\u00e1l s&nbsp;pen\u011bzi podniknout, ovliv\u0148uje typ st\u0159adateleLid\u00e9, kte\u0159\u00ed spo\u0159\u00ed pen\u00edze formou stavebn\u00edho spo\u0159en\u00ed, jsou sp\u00ed\u0161e konzervativn\u00ed. Zpravidla se jedn\u00e1 o rodiny nebo p\u00e1ry, kde maj\u00ed velk\u00e9 slovo zku\u0161en\u00ed senio\u0159i a st\u0159edn\u00ed generace, ti si dob\u0159e uv\u011bdomuj\u00ed rizika a pot\u00ed\u017ee u jin\u00fdch v\u00fdnosn\u011bj\u0161\u00edch finan\u010dn\u00edch produkt\u016f. Jednou z&nbsp;mo\u017enost\u00ed je znovu pen\u00edze investovat do dal\u0161\u00edho stavebka. Dnes jsou v\u0161ak smlouvy m\u00e9n\u011b v\u00fdhodn\u00e9, \u00faroky se dr\u017e\u00ed na sv\u00e9m minimu ji\u017e \u0159adu let a nav\u00edc se t\u00edm klient zav\u00e1\u017ee na dal\u0161\u00edch \u0161est let.Pokud opravdu pen\u00edze nepot\u0159ebujete v&nbsp;del\u0161\u00edm \u010dasov\u00e9m horizontu, m\u016f\u017eete je ulo\u017eit na term\u00ednovan\u00fd vklad. \u010c\u00edm del\u0161\u00ed fixovan\u00e9 obdob\u00ed, t\u00edm vy\u0161\u0161\u00ed je \u00farok. U \u010d\u00e1stky kolem dvou set tis\u00edc, kter\u00e9 klienti nej\u010dast\u011bji vyb\u00edraj\u00ed ze stavebn\u00edho spo\u0159en\u00ed, se \u00farok na 3 roky vkladu pohybuje kolem 3 procent. U del\u0161\u00edho \u010dasov\u00e9ho horizontu, nap\u0159. na 7 let, se jedn\u00e1 o \u00farok p\u0159es 4 procenta. Nev\u00fdhodou term\u00ednovan\u00fdch vklad\u016f je jist\u00e9 pen\u00e1le za p\u0159ed\u010dasn\u00fd v\u00fdb\u011br, to je v\u017edy vy\u0161\u0161\u00ed ne\u017e v\u00fdnos z&nbsp;\u00farok\u016f, tak\u017ee naopak v&nbsp;tomto p\u0159\u00edpad\u011b prod\u011bl\u00e1te.M\u016f\u017eete pen\u00edze tak\u00e9 ulo\u017eit na spo\u0159ic\u00ed \u00fa\u010det, kter\u00fd se \u00faro\u010d\u00ed o n\u011bco vy\u0161\u0161\u00ed sazbou ne\u017e b\u011b\u017en\u00e9 \u00fa\u010dty, ale jeho v\u00fd\u0161e zpravidla nep\u0159ekro\u010d\u00ed p\u016fl druh\u00e9ho procenta. Stejn\u011b jako b\u011b\u017en\u00fd \u00fa\u010det, je spo\u0159ic\u00ed \u00fa\u010det ov\u0161em nejm\u00e9n\u011b rizikov\u00fdm finan\u010dn\u00edm produktem. Riziko je tu prakticky nulov\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kam ulo\u017eit pen\u00edze, kdy\u017e se bl\u00ed\u017e\u00ed konec stavebn\u00edho spo\u0159en\u00ed?","item":"https:\/\/www.zerba.cz\/kam-ulozit-penize-kdyz-se-blizi-konec-stavebniho-sporeni\/#breadcrumbitem"}]}]