[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/sporeni-pro-tezke-casy\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/sporeni-pro-tezke-casy\/","headline":"Spo\u0159en\u00ed pro t\u011b\u017ek\u00e9 \u010dasy","name":"Spo\u0159en\u00ed pro t\u011b\u017ek\u00e9 \u010dasy","description":"P\u0159edn\u011b si v\u016fbec je d\u016fle\u017eit\u00e9 rozd\u011blit, co tyto dva pojmy znamenaj\u00ed. Nejde jenom o jen takov\u00e9 investov\u00e1n\u00ed neinvestov\u00e1n\u00ed, spole\u010dnosti, kter\u00e9 poskytuj\u00ed spo\u0159en\u00ed, \u010dasto d\u00e1vaj\u00ed moc p\u011bkn\u00fd \u00farok, ale p\u0159edev\u0161\u00edm je to jedno mal\u00e9 st\u00e1tn\u00ed kouzlo, co ze stavebn\u00edho a penzijn\u00edho \u010din\u00ed takov\u00fd z\u00e1zrak. Tedy minim\u00e1ln\u011b je to lep\u0161\u00ed ne\u017e pen\u00edze utr\u00e1cet za hlouposti nebo je …

Spo\u0159en\u00ed pro t\u011b\u017ek\u00e9 \u010dasy<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-22","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_a311107_w1998_t1522054004.png","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311107_w1998_t1522054004.png","height":"","width":""},"url":"https:\/\/www.zerba.cz\/sporeni-pro-tezke-casy\/","about":["Investice"],"wordCount":488,"articleBody":"\tP\u0159edn\u011b si v\u016fbec je d\u016fle\u017eit\u00e9 rozd\u011blit, co tyto dva pojmy znamenaj\u00ed. Nejde jenom o jen takov\u00e9 investov\u00e1n\u00ed neinvestov\u00e1n\u00ed, spole\u010dnosti, kter\u00e9 poskytuj\u00ed spo\u0159en\u00ed, \u010dasto d\u00e1vaj\u00ed moc p\u011bkn\u00fd \u00farok, ale p\u0159edev\u0161\u00edm je to jedno mal\u00e9 st\u00e1tn\u00ed kouzlo, co ze stavebn\u00edho a penzijn\u00edho \u010din\u00ed takov\u00fd z\u00e1zrak. Tedy minim\u00e1ln\u011b je to lep\u0161\u00ed ne\u017e pen\u00edze utr\u00e1cet za hlouposti nebo je jenom nech\u00e1vat le\u017eet v bance.\t \tSt\u00e1tn\u00ed p\u0159\u00edsp\u011bvekI penzijn\u00ed i stavebn\u00ed spo\u0159en\u00ed m\u00e1 tzv. st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, d\u00edky kter\u00e9mu v\u00e1m mohou ulo\u017een\u00e9 pen\u00edze hned nab\u00fdt o moc p\u011bknou \u010d\u00e1stku. Maxim\u00e1ln\u00ed v\u00fd\u0161e st\u00e1tn\u00ed podpory je 20 tis\u00edc za rok s t\u00edm, \u017ee mus\u00edte vlo\u017eit jist\u00fd obnos pen\u011bz b\u011bhem cel\u00e9ho roku, abyste na ten st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek m\u011bli n\u00e1rok. K tomu ov\u0161em tak\u00e9 p\u0159i\u010dt\u011bte velmi vysok\u00fd \u00farok, kter\u00fd v\u00e1m neposkytne \u017e\u00e1dn\u00fd nebankovn\u00ed \u010di bankovn\u00ed sektor. Pr\u00e1v\u011b te\u010f nen\u00ed lep\u0161\u00ed volby ne\u017e tyto dva druhy spo\u0159en\u00ed. \tKde jsou ty rozd\u00edly?a)       Penzijn\u00ed = O tom vypov\u00edd\u00e1 u\u017e s\u00e1m n\u00e1zev. Nejedn\u00e1 se o ulo\u017een\u00e9 pen\u00edze, kter\u00e9 m\u016f\u017eete vybrat kdykoliv \u010di po uplynut\u00ed n\u011bjak\u00e9 ur\u010dit\u00e9 smluvn\u011b sjednan\u00e9 doby. Jedn\u00e1 se p\u0159edev\u0161\u00edm o pen\u00edze, kter\u00e9 budete m\u00edt k dispozici a m\u011bli byste je m\u00edt k dispozici ve st\u00e1\u0159\u00ed, to znamen\u00e1 zaji\u0161t\u011bn\u00ed na d\u016fchod. Samoz\u0159ejm\u011b, spousta lid\u00ed si zalo\u017e\u00ed penzijn\u00ed spo\u0159en\u00ed a\u017e p\u0159\u00edli\u0161 pozd\u011b, tak\u017ee zrovna velk\u00fd „bonus“ k d\u016fchodu to nebude, ale i tak je to p\u0159eci jen lep\u0161\u00ed, ne\u017e jak se \u0159\u00edk\u00e1: „kopanec do b\u0159icha“.b)      Stavebn\u00ed = n\u00e1zev takov\u00e9ho spo\u0159en\u00ed \u010dasto \u0161id\u00ed, proto\u017ee to nen\u00ed jenom stavba domu, alt\u00e1nku \u010di chaty, na kterou m\u016f\u017eete vyu\u017e\u00edt finan\u010dn\u00ed prost\u0159edky. Spo\u0159\u00edte po ur\u010ditou sjednanou dobu, kdy vkl\u00e1d\u00e1te, pravideln\u011b \u010di nepravideln\u011b, na spo\u0159\u00edc\u00ed \u00fa\u010det jistou \u010d\u00e1stku tak, abyste do t\u00e9 sjednan\u00e9 m\u011bli tak\u00e9 sjednanou \u010d\u00e1stku, ke kter\u00e9 se za ka\u017ed\u00fd rok, pokud na n\u011bj budete m\u00edt n\u00e1rok, p\u0159i\u010dte i st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek. Tak\u017ee klidn\u011b za p\u011bt let m\u016f\u017eete b\u00fdt o sto tis\u00edc bohat\u0161\u00ed, co\u017e nen\u00ed zrovna m\u00e1lo, i kdy\u017e si \u0159\u00edk\u00e1te, \u017ee za p\u011bt let to nen\u00ed \u017e\u00e1dn\u00e9 terno. D\u016fle\u017eit\u00e9 je si uv\u011bdomit, \u017ee jsou to pen\u00edze, co pracuj\u00ed za v\u00e1s, nikoliv vy. To znamen\u00e1, \u017ee kdybyste jenom sed\u011bli a h\u00e1zeli tam pen\u00edze, tak tam budou pomali\u010dku r\u016fst. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spo\u0159en\u00ed pro t\u011b\u017ek\u00e9 \u010dasy","item":"https:\/\/www.zerba.cz\/sporeni-pro-tezke-casy\/#breadcrumbitem"}]}]