[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/sporici-ucty-pro-deti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/sporici-ucty-pro-deti\/","headline":"Spo\u0159ic\u00ed \u00fa\u010dty pro d\u011bti","name":"Spo\u0159ic\u00ed \u00fa\u010dty pro d\u011bti","description":"V\u0161echno pro na\u0161e potomky, to je p\u0159ece \u017eivotn\u00ed motto ka\u017ed\u00e9ho rodi\u010de. Vychovat, zabezpe\u010dit a co nejl\u00e9pe p\u0159ipravit na dosp\u011bl\u00fd \u017eivot tam venku, mimo na\u0161i bezpe\u010dnou n\u00e1ru\u010d. Je samoz\u0159ejm\u00e9, \u017ee se jim budeme sna\u017eit jejich budoucnost usnadnit t\u0159eba i t\u00edm, \u017ee jim pom\u016f\u017eeme spo\u0159it a jejich budouc\u00ed byt \u010di d\u016fm. Zaj\u00edm\u00e1 v\u00e1s, jak a kde se &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/sporici-ucty-pro-deti\/\"> <span class=\"screen-reader-text\">Spo\u0159ic\u00ed \u00fa\u010dty pro d\u011bti<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2016-10-01","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_a277512_w1991_t1601800471.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a277512_w1991_t1601800471.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/sporici-ucty-pro-deti\/","about":["Investice"],"wordCount":451,"articleBody":"V\u0161echno pro na\u0161e potomky, to je p\u0159ece \u017eivotn\u00ed motto ka\u017ed\u00e9ho rodi\u010de. Vychovat, zabezpe\u010dit a co nejl\u00e9pe p\u0159ipravit na dosp\u011bl\u00fd \u017eivot tam venku, mimo na\u0161i bezpe\u010dnou n\u00e1ru\u010d. Je samoz\u0159ejm\u00e9, \u017ee se jim budeme sna\u017eit jejich budoucnost usnadnit t\u0159eba i t\u00edm, \u017ee jim pom\u016f\u017eeme spo\u0159it a jejich budouc\u00ed byt \u010di d\u016fm.Zaj\u00edm\u00e1 v\u00e1s, jak a kde se daj\u00ed finance ulo\u017eit bezpe\u010dn\u011b, aby se v&nbsp;pr\u016fb\u011bhu let zhodnocovaly a jak o tyto v\u00fdhody nep\u0159ij\u00edt?Burzu neovlivn\u00edteNelze p\u0159edpov\u00eddat ani krach ani n\u00e1r\u016fst, bohu\u017eel nem\u016f\u017eeme zamezit ani vzniku finan\u010dn\u00edch kriz\u00ed &ndash; pak jsou bankroty stejn\u011b n\u00e1hl\u00e9, jako krach cel\u00e9 finan\u010dn\u00ed sf\u00e9ry. Ka\u017ed\u00e9 bance se m\u016f\u017ee st\u00e1t, \u017ee n\u00e1hle mus\u00ed ukon\u010dit \u010dinnost.Kdysi byly nejobl\u00edben\u011bj\u0161\u00ed formou spo\u0159en\u00ed pomoc\u00ed tzv. vkladn\u00edch kn\u00ed\u017eek.Uspo\u0159en\u00e1 \u010d\u00e1stka se zapisovala do pap\u00edrov\u00e9 kn\u00ed\u017ee\u010dky a lid\u00e9 si mysleli, \u017ee pen\u00edze tam maj\u00ed jist\u00e9. Ano, to ano, ale v&nbsp;dne\u0161n\u00ed dob\u011b jsou tyto kn\u00ed\u017eky nev\u00fdhodn\u00e9 a \u00faroky oproti devades\u00e1t\u00fdm l\u00e9t\u016fm, kdy byly vkladn\u00ed kn\u00ed\u017eky nejpopul\u00e1rn\u011bj\u0161\u00ed, hluboce poklesly. Jejich v\u00fdhodou v\u0161ak z\u016fst\u00e1v\u00e1, \u017ee neplat\u00ed \u017e\u00e1dn\u00e9 poplatky za z\u0159\u00edzen\u00ed a dokonce ani veden\u00ed tohoto typu spo\u0159en\u00ed.Sni\u017euj\u00edc\u00ed se \u00farok Nejv\u011bt\u0161\u00ed nev\u00fdhodou spo\u0159ic\u00edch \u00fa\u010dt\u016f je ten, \u017ee na nich rychle klesaj\u00ed \u00faroky, p\u0159esto jsou v&nbsp;republice st\u00e1le ne\u010dekan\u011b obl\u00edben\u00e9. Nejvy\u0161\u0161\u00ed mo\u017en\u00fd \u00farok se pohybuje okolo 1% a ni\u017e\u0161\u00ed, nav\u00edc s&nbsp;p\u0159ib\u00fdvaj\u00edc\u00edmi roky kles\u00e1. V\u00fdhody jsou takov\u00e9, \u017ee nemus\u00edte schra\u0148ovat \u010dasto i vy\u0161\u0161\u00ed \u010d\u00e1stky doma a z\u0159\u00edzen\u00ed a veden\u00ed \u00fa\u010dtu nepodmi\u0148uj\u00ed \u017e\u00e1dn\u00e9 vedlej\u0161\u00ed poplatky.Tento typ \u00fa\u010dtu tak\u00e9 nem\u00e1 v\u00fdpov\u011bdn\u00ed lh\u016ftu. Jen\u017ee budou-li finance na \u00fa\u010dtu veden\u00e9 dejme tomu dv\u011b dek\u00e1dy a bude na nich minim\u00e1ln\u00ed&nbsp; \u00farok, ihned po v\u00fdb\u011bru po takov\u00e9 dob\u011b bude finan\u010dn\u00ed obnos znehodnocen kv\u016fli neust\u00e1l\u00e9 inflaci. Co jsou spo\u0159ic\u00ed \u00fa\u010dty pro d\u011bti? N\u011bkter\u00e9 banky nab\u00edzej\u00ed typ spo\u0159ic\u00edho \u00fa\u010dtu ur\u010den\u00fd v\u011bt\u0161inou d\u011btem do patn\u00e1cti let. D\u011btsk\u00e9 konto funguje tak, \u017ee na n\u011bj jako rodi\u010d spo\u0159\u00edte, a ve chv\u00edli, kdy d\u00edt\u011b dos\u00e1hne ur\u010dit\u00e9ho v\u011bku podle smlouvy, dostane vlastn\u00ed platebn\u00ed kartu a m\u016f\u017ee s&nbsp;\u00fa\u010dtem zach\u00e1zet jako s&nbsp;b\u011b\u017en\u00fdm u\u017eivatelsk\u00fdm.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spo\u0159ic\u00ed \u00fa\u010dty pro d\u011bti","item":"https:\/\/www.zerba.cz\/sporici-ucty-pro-deti\/#breadcrumbitem"}]}]