[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kdy-mate-zacit-detem-sporit\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kdy-mate-zacit-detem-sporit\/","headline":"Kdy m\u00e1te za\u010d\u00edt d\u011btem spo\u0159it?","name":"Kdy m\u00e1te za\u010d\u00edt d\u011btem spo\u0159it?","description":"Jsou v\u011bci, kter\u00e9 bychom v \u017eivot\u011b nem\u011bli odkl\u00e1dat a mezi n\u011b pat\u0159\u00ed i zalo\u017een\u00ed spo\u0159en\u00ed pro na\u0161e d\u011bti. Pokud to Va\u0161e finan\u010dn\u00ed situace umo\u017e\u0148uje, za\u010dn\u011bte se spo\u0159en\u00edm klidn\u011b hned p\u00e1r m\u011bs\u00edc\u016f po jejich narozen\u00ed. Nikdo ne\u0159\u00edk\u00e1, \u017ee mus\u00edte od za\u010d\u00e1tku spo\u0159it vysok\u00e9 \u010d\u00e1stky. Naopak, spo\u0159te prost\u011b tolik, kolik m\u016f\u017eete. Je jasn\u00e9, \u017ee Va\u0161e finan\u010dn\u00ed situace po …

Kdy m\u00e1te za\u010d\u00edt d\u011btem spo\u0159it?<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2017-11-23","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_a305244_w1992_t1516737957.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a305244_w1992_t1516737957.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/kdy-mate-zacit-detem-sporit\/","about":["Investice"],"wordCount":486,"articleBody":"Jsou v\u011bci, kter\u00e9 bychom v \u017eivot\u011b nem\u011bli odkl\u00e1dat a mezi n\u011b pat\u0159\u00ed i zalo\u017een\u00ed spo\u0159en\u00ed pro na\u0161e d\u011bti. Pokud to Va\u0161e finan\u010dn\u00ed situace umo\u017e\u0148uje, za\u010dn\u011bte se spo\u0159en\u00edm klidn\u011b hned p\u00e1r m\u011bs\u00edc\u016f po jejich narozen\u00ed. Nikdo ne\u0159\u00edk\u00e1, \u017ee mus\u00edte od za\u010d\u00e1tku spo\u0159it vysok\u00e9 \u010d\u00e1stky. Naopak, spo\u0159te prost\u011b tolik, kolik m\u016f\u017eete. Je jasn\u00e9, \u017ee Va\u0161e finan\u010dn\u00ed situace po narozen\u00ed d\u00edt\u011bte m\u016f\u017ee b\u00fdt napjat\u011bj\u0161\u00ed, zejm\u00e9na pokud je \u017eena doma na mate\u0159sk\u00e9 a n\u00e1sledn\u011b na rodi\u010dovsk\u00e9 dovolen\u00e9 a rodina mus\u00ed vyj\u00edt jen s jedn\u00edm platem. Je pravd\u011bpodobn\u00e9, \u017ee V\u00e1s finan\u010dn\u00ed poradci budou p\u0159esv\u011bd\u010dovat o tom, \u017ee byste m\u011bli spo\u0159it co nejvy\u0161\u0161\u00ed \u010d\u00e1stky, ale vy spo\u0159te opravdu jen to, co si m\u016f\u017eete dovolit. A\u017e se \u017eena vr\u00e1t\u00ed do pr\u00e1ce a v\u00e1\u0161 rodinn\u00fd rozpo\u010det se zv\u00fd\u0161\u00ed, m\u016f\u017eete vy zv\u00fd\u0161it \u010d\u00e1stku na spo\u0159en\u00ed.Pro jak\u00fd typ spo\u0159en\u00ed se rozhodnout?1.       Pod\u00edlov\u00e9 fondyPokud jste ochotni trochu riskovat, pak se jedn\u00e1 pravd\u011bpodobn\u011b o nejv\u00fdnosn\u011bj\u0161\u00ed variantu spo\u0159en\u00ed. Jejich dal\u0161\u00ed v\u00fdhodou je n\u00edzk\u00e1 minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka, a pokud spln\u00edte z\u00e1konn\u00e9 podm\u00ednky, budete odv\u00e1d\u011bt 0\u2105 dan\u011b ze zisku. Je tu ale jedno velk\u00e9 ale. M\u016f\u017eete p\u0159ij\u00edt o \u010d\u00e1st \u010di dokonce o ve\u0161ker\u00e9 \u00faspory. Tomuto se d\u00e1 v\u0161ak alespo\u0148 \u010d\u00e1ste\u010dn\u011b p\u0159edej\u00edt konzultac\u00ed s odborn\u00edkem. Porad\u00ed V\u00e1m, kter\u00e9 pod\u00edlov\u00e9 fondy jsou relativn\u011b bezpe\u010dn\u00e9.2.       Stavebn\u00ed spo\u0159en\u00edPravd\u011bpodobn\u011b nejobl\u00edben\u011bj\u0161\u00ed varianta spo\u0159en\u00ed v \u010cesk\u00e9 republice, nebo aspo\u0148 tomu tak b\u00fdvalo po cel\u00e1 dlouh\u00e1 l\u00e9ta. Je toti\u017e t\u00e9m\u011b\u0159 bez rizika, co\u017e je pro \u0159adu z n\u00e1s siln\u00fd argument. Jeho nev\u00fdhodou jsou pak n\u00edzk\u00e9 \u00faroky a to, \u017ee jako rodi\u010de nem\u016f\u017eete pen\u00edze vybrat bez soudn\u00edho procesu. M\u016f\u017eete samoz\u0159ejm\u011b spo\u0159en\u00ed tak\u00e9 uzav\u0159\u00edt na sebe, abyste se v budoucnu vyhnuli tomu, \u017ee V\u00e1\u0161 potomek bude cht\u00edt naspo\u0159en\u00e9 pen\u00edze utratit za v\u011bci, kter\u00e9 se V\u00e1m ani trochu nel\u00edb\u00ed.3.       Spo\u0159ic\u00ed \u00fa\u010detM\u00e1 v\u00e1\u0161 potomek babi\u010dky, kter\u00e9 ho o narozenin\u00e1ch, sv\u00e1tku i V\u00e1noc\u00edch obdarov\u00e1vaj\u00ed hotovost\u00ed? Pak v\u011b\u0159te tomu, \u017ee na spo\u0159ic\u00edm \u00fa\u010dtu se tyto pen\u00edze d\u00edt\u011bti, pokud je tedy obratem neutrat\u00ed, zhodnot\u00ed l\u00e9pe ne\u017e doma na sk\u0159\u00edni v pras\u00e1tku. Na spo\u0159ic\u00edm \u00fa\u010dtu m\u016f\u017eete z\u00edskat tak\u00e9 zaj\u00edmav\u00fd \u00farok a nav\u00edc m\u016f\u017eete s pen\u011bzi manipulovat podle pot\u0159eby. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy m\u00e1te za\u010d\u00edt d\u011btem spo\u0159it?","item":"https:\/\/www.zerba.cz\/kdy-mate-zacit-detem-sporit\/#breadcrumbitem"}]}]