[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/vkladnim-knizkam-odzvonilo\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/vkladnim-knizkam-odzvonilo\/","headline":"Vkladn\u00edm kn\u00ed\u017ek\u00e1m odzvonilo","name":"Vkladn\u00edm kn\u00ed\u017ek\u00e1m odzvonilo","description":"&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Je jasn\u00e9, \u017ee vkladn\u00edm kn\u00ed\u017ek\u00e1m odzvonilo. Dneska u\u017e m\u00e1me v\u0161echno jinak. Ale pamatujete, jak na\u0161i d\u011bdov\u00e9 a babi\u010dky ukl\u00e1dali pen\u00edze na vkladn\u00ed kn\u00ed\u017eky, jak je schov\u00e1valy pod pol\u0161t\u00e1\u0159e a jak st\u00e1ly dlouh\u00e9 fronty ve spo\u0159iteln\u011b? J\u00e1 si na to pamatuji matn\u011b, ale pamatuji. Nicm\u00e9n\u011b ani ne tak u babi\u010dky, ale u sv\u00fdch rodi\u010d\u016f. Te\u010f &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/vkladnim-knizkam-odzvonilo\/\"> <span class=\"screen-reader-text\">Vkladn\u00edm kn\u00ed\u017ek\u00e1m odzvonilo<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/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\/vkladnim-knizkam-odzvonilo\/","about":["Investice"],"wordCount":480,"articleBody":"\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Je jasn\u00e9, \u017ee vkladn\u00edm kn\u00ed\u017ek\u00e1m odzvonilo. Dneska u\u017e m\u00e1me v\u0161echno jinak. Ale pamatujete, jak na\u0161i d\u011bdov\u00e9 a babi\u010dky ukl\u00e1dali pen\u00edze na vkladn\u00ed kn\u00ed\u017eky, jak je schov\u00e1valy pod pol\u0161t\u00e1\u0159e a jak st\u00e1ly dlouh\u00e9 fronty ve spo\u0159iteln\u011b? J\u00e1 si na to pamatuji matn\u011b, ale pamatuji. Nicm\u00e9n\u011b ani ne tak u babi\u010dky, ale u sv\u00fdch rodi\u010d\u016f. Te\u010f m\u00e1me m\u00edsto vkladn\u00edch kn\u00ed\u017eek spo\u0159\u00edc\u00ed \u00fa\u010dty.\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Z\u00e1kladn\u00ed rozd\u00edl mezi spo\u0159\u00edc\u00edm a b\u011b\u017en\u00fdm \u00fa\u010dtem je ten, \u017ee ten spo\u0159\u00edc\u00ed je v\u00e1m okam\u017eit\u011b k&nbsp;dispozici, respektive jsou v\u00e1m okam\u017eit\u011b k&nbsp;dispozici va\u0161e pen\u00edze, ale i vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby ne\u017e \u00fa\u010det b\u011b\u017en\u00fd. O\u017eiveny jsou tak\u00e9 takzvan\u00e9 term\u00ednovan\u00e9 vklady, kdy si m\u016f\u017eete vybrat \u010d\u00e1st pen\u011bz je\u0161t\u011b p\u0159edt\u00edm, ne\u017e si naspo\u0159\u00edte kone\u010dnou \u010d\u00e1stku. Pokud chcete spo\u0159it del\u0161\u00ed dobu, je asi lep\u0161\u00ed vyu\u017e\u00edt spo\u0159en\u00ed stavebn\u00ed.\tJak to vypad\u00e1 letos&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Inflace se n\u00e1m sice vrac\u00ed, ale nen\u00ed nijak z\u00e1vratn\u00e1. Ka\u017edop\u00e1dn\u011b jasn\u00e9 je, \u017ee pokud nech\u00e1te sv\u00e9 pen\u00edze v&nbsp;bank\u00e1ch, budou na sv\u00e9 hodnot\u011b rozhodn\u011b ztr\u00e1cet. V&nbsp;z\u00e1sad\u011b lze \u0159\u00edci, \u017ee i ty banky kter\u00e9 byly pova\u017eov\u00e1ny jako nejlevn\u011bj\u0161\u00ed, nejlep\u0161\u00ed, nejmodern\u011bj\u0161\u00ed a mo\u017en\u00e1 by v&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech byl vhodn\u00fd p\u0159\u00edvlastek i nejmlad\u0161\u00ed, sni\u017euj\u00ed \u00farokov\u00e9 sazby. Na ja\u0159e se k&nbsp;nim nav\u00edc p\u0159idaly i dal\u0161\u00ed poji\u0161\u0165ovny, kter\u00e9 zn\u00e1me v&nbsp;\u010cesku u\u017e dlouh\u00e1 l\u00e9ta.&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Pokud tedy m\u00e1te sv\u00e9 \u00faspory v&nbsp;bance, mo\u017en\u00e1 byste se m\u011bli zamyslet co s&nbsp;nimi. Zda je rad\u011bji n\u011bkam neinvestovat. Za\u010dalo se v\u0161ak bl\u00fdskat na lep\u0161\u00ed \u010dasy jedn\u00e9 b\u00fdval\u00e9 kampeli\u010dce, kter\u00e9 se v&nbsp;po\u010d\u00e1tku tohoto roku transformovala na banku. Pr\u00e1v\u011b u n\u00ed si lid\u00e9 v&nbsp;leto\u0161n\u00edm roce sjednali tis\u00edce \u00fa\u010dt\u016f, v\u011bt\u0161inou spo\u0159\u00edc\u00edch. Ostatn\u00ed banky se pr\u00e1v\u011b takov\u00fdm po\u010din\u016fm zuby nehty br\u00e1n\u00ed. Dokonce ani tam, kde maj\u00ed klienti banku r\u00e1di, se nepoda\u0159ilo v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbu pro klienty, kte\u0159\u00ed si jen spo\u0159\u00ed, udr\u017eet. Ta z\u016fstala v\u00fdsadnou jen pro klienty aktivn\u00ed.&nbsp;\u017de by se trend klesaj\u00edc\u00edch \u00farok\u016f zm\u011bnil, nen\u00ed p\u0159\u00edli\u0161 pravd\u011bpodobn\u00e9. Nejd\u0159\u00edve by toti\u017e musely za\u010d\u00edt stoupat kr\u00e1tkodob\u00e9 \u00farokov\u00e9 sazby. Tak hodn\u011b \u0161t\u011bst\u00ed, p\u0159i va\u0161em v\u00fdb\u011bru spo\u0159en\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vkladn\u00edm kn\u00ed\u017ek\u00e1m odzvonilo","item":"https:\/\/www.zerba.cz\/vkladnim-knizkam-odzvonilo\/#breadcrumbitem"}]}]