{"id":777,"date":"2023-05-12T14:39:07","date_gmt":"2023-05-12T12:39:07","guid":{"rendered":"https:\/\/regbu.com\/?p=777"},"modified":"2025-09-05T07:42:39","modified_gmt":"2025-09-05T05:42:39","slug":"moznosti-sporeni-ktere-se-vyplati","status":"publish","type":"post","link":"https:\/\/regbu.com\/sk\/opcie-riesenia-ktore-platia\/","title":{"rendered":"Mo\u017enosti sporenia, ktor\u00e9 sa oplatia"},"content":{"rendered":"<p>Mo\u017enosti sporenia s\u00fa dnes naozaj bohat\u00e9 a sta\u010d\u00ed si len vybra\u0165. Ak v\u00e1m sporenie e\u0161te \u00faplne neu\u010darovalo, je najvy\u0161\u0161\u00ed \u010das za\u010da\u0165 o \u0148om uva\u017eova\u0165. V\u0161eobecn\u00e1 defin\u00edcia pojmu sporenie je pomerne jednoduch\u00e1. Je to \u010dinnos\u0165, pri ktorej <strong>\u00faspory, ktor\u00e9 sa m\u00f4\u017eu pou\u017ei\u0165 na \u010doko\u013evek.<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vytv\u00e1ranie finan\u010dn\u00fdch \u00faspor<\/li>\n\n\n\n<li>Oce\u0148ovanie majetku<\/li>\n\n\n\n<li>Zvy\u0161ovanie kapit\u00e1lu<\/li>\n<\/ul>\n\n\n\n<p>Samozrejme, v\u010faka \u00faspor\u00e1m si m\u00f4\u017eete vybra\u0165 a dopria\u0165 si r\u00f4zne mo\u017enosti. Existuje nieko\u013eko produktov, ktor\u00e9 v\u00e1m pom\u00f4\u017eu dosiahnu\u0165 po\u017eadovan\u00e9 zhodnotenie. Mo\u017enosti sporenia s\u00fa na jednej strane bezpe\u010dn\u00e9, n\u00edzke a konzervat\u00edvne, na druhej strane v\u00fdnosn\u00e9 a rizikov\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sporiace \u00fa\u010dty ako absol\u00fatny z\u00e1klad<\/h2>\n\n\n\n<p>Ak m\u00e1te radi rizik\u00e1 a chcete si by\u0165 ist\u00ed, sporiace \u00fa\u010dty s\u00fa pre v\u00e1s ide\u00e1lnou vo\u013ebou. <em>Tieto mo\u017enosti sporenia v\u00e1m to\u013eko nezarobia<\/em>na druhej strane sa nemus\u00edte ob\u00e1va\u0165 o svoje financie. V prospech sporiacich \u00fa\u010dtov hovor\u00ed nieko\u013eko k\u013e\u00fa\u010dov\u00fdch v\u00fdhod, ktor\u00e9 v\u00e1m teraz predstav\u00edme.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>Poplatok<\/td><td>Zvy\u010dajne nula<\/td><\/tr><tr><td>Nakladanie s peniazmi<\/td><td>R\u00fdchle a flexibiln\u00e9<\/td><\/tr><tr><td>Poistenie<\/td><td>A\u017e do v\u00fd\u0161ky 100 000 EUR<\/td><\/tr><tr><td>V\u00fd\u0161ka zhodnotenia<\/td><td>N\u00edzke percentu\u00e1lne podiely jednotiek<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Medzi be\u017en\u00e9 a dostupn\u00e9 mo\u017enosti sporenia patria sporiace \u00fa\u010dty, ktor\u00e9 pon\u00faka v\u00e4\u010d\u0161ina bankov\u00fdch spolo\u010dnost\u00ed.<\/figcaption><\/figure>\n\n\n\n<p>So sporiacim \u00fa\u010dtom s\u00edce nezarob\u00edte to\u013eko, ale m\u00f4\u017eete si by\u0165 ist\u00ed, \u017ee o svoje peniaze nepr\u00eddete. Mo\u017enosti sporenia tohto typu s\u00fa vyh\u013ead\u00e1van\u00e9 v\u0161etk\u00fdmi gener\u00e1ciami. Mo\u017eno je to aj preto, \u017ee v\u00e4\u010d\u0161ina b\u00e1nk pon\u00faka sporiaci \u00fa\u010det ako bezplatn\u00fa s\u00fa\u010das\u0165 be\u017en\u00e9ho bankov\u00e9ho \u00fa\u010dtu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nev\u00fdhody sporiaceho \u00fa\u010dtu<\/h3>\n\n\n\n<p>Je potrebn\u00e9 poznamena\u0165, \u017ee sporiaci \u00fa\u010det sa prim\u00e1rne sp\u00e1ja len s kladmi. Medzi z\u00e1pory mo\u017eno zaradi\u0165 sn\u00e1\u010f len ni\u017e\u0161iu \u00farokov\u00fa sadzbu. <strong>Riziko a bezpe\u010dnos\u0165<\/strong> s\u00fa preto dokonale vyv\u00e1\u017een\u00e9 a z\u00e1visia od v\u00e1\u0161ho v\u00fdberu. Hoci ide sk\u00f4r o v\u00fdnimky, niektor\u00e9 banky podporuj\u00fa zalo\u017eenie sporiaceho \u00fa\u010dtu otvoren\u00edm klasick\u00e9ho \u00fa\u010dtu.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Sporiaci \u00fa\u010det sl\u00fa\u017ei predov\u0161etk\u00fdm na zhodnocovanie va\u0161ich financi\u00ed. Preto sa z neho zvy\u010dajne nevykon\u00e1vaj\u00fa \u0161peci\u00e1lne platby vo forme ink\u00e1s, trval\u00fdch pr\u00edkazov at\u010f. <\/p>\n<cite>William S., bankov\u00fd \u00faradn\u00edk.<\/cite><\/blockquote>\n\n\n\n<p>O sporiacich \u00fa\u010dtoch sa asi ned\u00e1 poveda\u0165 ni\u010d in\u00e9. Nemaj\u00fa dokonca ani dobu viazanosti, tak\u017ee peniaze m\u00e1te v podstate okam\u017eite k dispoz\u00edcii a m\u00f4\u017eete s nimi naklada\u0165, ako sa v\u00e1m zachce.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"577\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/sporeni-penez-1024x577.jpg\" alt=\"\" class=\"wp-image-780\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/sporeni-penez-1024x577.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/sporeni-penez-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/sporeni-penez-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/sporeni-penez-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/sporeni-penez.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Mo\u017enosti sporenia, t. j. zhodnocovanie pe\u0148az\u00ed a zvy\u0161ovanie kapit\u00e1lu r\u00f4znymi sp\u00f4sobmi.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mo\u017enosti sporenia - Term\u00ednovan\u00e9 vklady<\/h2>\n\n\n\n<p>Samozrejme, existuj\u00fa aj in\u00e9 mo\u017enosti sporenia. Typick\u00fdm pr\u00edkladom s\u00fa term\u00ednovan\u00e9 vklady alebo inak zn\u00e1me ako term\u00ednovan\u00e9 \u00fa\u010dty. V\u00fdznam tohto slovn\u00e9ho spojenia prezr\u00e1dza ve\u013ea. <em>Je to \u0161peci\u00e1lny bankov\u00fd \u00fa\u010det ur\u010den\u00fd len na zhodnocovanie pe\u0148az\u00ed<\/em>. Od sporiaceho \u00fa\u010dtu sa v\u0161ak l\u00ed\u0161i nieko\u013ek\u00fdmi z\u00e1sadn\u00fdmi sp\u00f4sobmi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pevn\u00fd \u00farok po\u010das celej doby ulo\u017eenia pe\u0148az\u00ed<\/li>\n\n\n\n<li>S financiami nemo\u017eno disponova\u0165<\/li>\n\n\n\n<li>R\u00f4zne obdobia term\u00ednovan\u00fdch vkladov<\/li>\n<\/ul>\n\n\n\n<p>Term\u00ednovan\u00e9 vklady s\u00edce pon\u00fakaj\u00fa lep\u0161ie zhodnotenie ako sporiace \u00fa\u010dty, na druhej strane v\u0161ak s peniazmi nem\u00f4\u017eete disponova\u0165. Za pred\u010dasn\u00fd v\u00fdber zvy\u010dajne plat\u00edte poplatok. Tieto mo\u017enosti sporenia maj\u00fa teda r\u00f4zne podmienky, ktor\u00e9 m\u00f4\u017eu by\u0165 pre niektor\u00fdch \u013eud\u00ed v\u00fdhodn\u00e9, ale pre in\u00fdch nie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010eal\u0161ou mo\u017enos\u0165ou je d\u00f4chodkov\u00e9 sporenie<\/h3>\n\n\n\n<p>Medzi mo\u017enosti sporenia patr\u00ed aj doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie. Ide v podstate o sporenie na d\u00f4chodok. Je to s pomocou \u0161t\u00e1tu, a teda so \u0161t\u00e1tnym pr\u00edspevkom. D\u00f4chodkov\u00e9 sporenie zah\u0155\u0148a aj da\u0148ov\u00e9 \u00faspory, mo\u017enos\u0165 predd\u00f4chodkov\u00e9ho alebo <strong>pr\u00edspevky zamestn\u00e1vate\u013ea<\/strong>. Ob\u013e\u00fabenos\u0165 doplnkov\u00e9ho d\u00f4chodkov\u00e9ho poistenia je uveden\u00e1 v nasleduj\u00facej tabu\u013eke s historick\u00fdmi \u00fadajmi o objeme prostriedkov spravovan\u00fdch v r\u00e1mci tohto produktu v \u010ceskej republike.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rok<\/strong><\/td><td><strong>Objem v miliard\u00e1ch kor\u00fan<\/strong><\/td><\/tr><tr><td>2007<\/td><td>162 104<\/td><\/tr><tr><td>2013<\/td><td>280 688<\/td><\/tr><tr><td>2017<\/td><td>383 945<\/td><\/tr><tr><td>2019<\/td><td>427 017<\/td><\/tr><tr><td>2021<\/td><td>465 788<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Z\u00e1ujem o doplnkov\u00e9 d\u00f4chodkov\u00e9 poistenie m\u00e1 v \u010ceskej republike r\u00f4zne podoby.<\/figcaption><\/figure>\n\n\n\n<p>Na druhej strane treba vzia\u0165 do \u00favahy, \u017ee doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie je jednou z mo\u017enost\u00ed sporenia s ni\u017e\u0161ou likviditou. Viac-menej nem\u00e1te kontrolu nad t\u00fdm, ako sa investovan\u00e9 peniaze investuj\u00fa, a plat\u00edte poplatok z ro\u010dn\u00e9ho zhodnotenia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mo\u017enosti sporenia - Stavebn\u00e9 sporenie<\/h3>\n\n\n\n<p>Dlh\u00e9 roky bol tento finan\u010dn\u00fd produkt chv\u00e1len\u00fd ako ur\u010dit\u00e1 istota v podobe \u0161t\u00e1tneho pr\u00edspevku a primeran\u00e9ho zhodnotenia zostatku. Postupn\u00e9 zni\u017eovanie \u0161t\u00e1tneho pr\u00edspevku z neho rob\u00ed pomerne zauj\u00edmav\u00fd sp\u00f4sob \u00faveru zo stavebn\u00e9ho sporenia, ktor\u00fd mo\u017eno pou\u017ei\u0165 na b\u00fdvanie.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Stavebn\u00e9 sporenie sl\u00fa\u017ei nielen na zhodnocovanie pe\u0148az\u00ed, ale aj ako mo\u017enos\u0165 z\u00edska\u0165 zo stavebn\u00e9ho sporenia preklenovac\u00ed alebo riadny \u00faver. <\/p>\n<cite>Emma S., finan\u010dn\u00e1 poradky\u0148a.<\/cite><\/blockquote>\n\n\n\n<p>Tento produkt je prim\u00e1rne ur\u010den\u00fd pre fyzick\u00e9 osoby s trval\u00fdm pobytom v \u010ceskej republike vr\u00e1tane ob\u010danov Eur\u00f3pskej \u00fanie s povolen\u00edm na pobyt v \u010ceskej republike.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"578\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/uspory-v-prasatku-1024x578.jpg\" alt=\"\" class=\"wp-image-781\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/uspory-v-prasatku-1024x578.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/uspory-v-prasatku-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/uspory-v-prasatku-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/uspory-v-prasatku-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/uspory-v-prasatku.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u00daspory v prasiatku rozhodne nepatria medzi v\u00fdnosn\u00e9 a zauj\u00edmav\u00e9 investi\u010dn\u00e9 mo\u017enosti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mo\u017enosti sporenia v podielov\u00fdch fondoch<\/h2>\n\n\n\n<p>Podielov\u00e9 fondy sa sp\u00e1jaj\u00fa s pojmom kolekt\u00edvne investovanie. V podstate ide o s\u00fabor akt\u00edv investorov. To je potom <em>spravovan\u00e9 tre\u0165ou stranou<\/em>. Ako investori vklad\u00e1te peniaze do konkr\u00e9tneho fondu. Potom sa nakupuj\u00fa akt\u00edva in\u00e9ho typu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dlhopisy<\/li>\n\n\n\n<li>Akcie<\/li>\n\n\n\n<li>Podielov\u00e9 listy<\/li>\n<\/ul>\n\n\n\n<p>Mo\u017enosti sporenia vo forme podielov\u00fdch fondov s\u00fa zvy\u010dajne spojen\u00e9 s bankou alebo inou in\u0161tit\u00faciou, prostredn\u00edctvom ktorej m\u00f4\u017eete investova\u0165 svoje prostriedky. O v\u00fdhod\u00e1ch a nev\u00fdhod\u00e1ch podielov\u00fdch fondov sa do\u010d\u00edtate v nasleduj\u00facich riadkoch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Typy podielov\u00fdch fondov<\/h3>\n\n\n\n<p>Ak sa rozhodnete vlo\u017ei\u0165 svoje peniaze do podielov\u00fdch fondov, mali by ste o nich vedie\u0165 \u010do najviac. Napr\u00edklad, \u017ee <strong>podielov\u00e9 fondy s\u00fa klasifikovan\u00e9 pod\u013ea triedy akt\u00edv<\/strong>. Je ich nieko\u013eko a n\u00e1jdete ich v tabu\u013eke ni\u017e\u0161ie.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>Kapit\u00e1lov\u00e9 fondy<\/td><td>Akcie<\/td><\/tr><tr><td>Dlhopisov\u00e9 fondy<\/td><td>Dlhopisy<\/td><\/tr><tr><td>Fondy fondov<\/td><td>Ostatn\u00e9 fondy<\/td><\/tr><tr><td>Zmie\u0161an\u00e9 fondy<\/td><td>V\u00e4\u010d\u0161inou dlhopisy<\/td><\/tr><tr><td>Komoditn\u00e9 fondy<\/td><td>Cenn\u00e9 papiere<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Investi\u010dn\u00e9 mo\u017enosti pri spr\u00e1ve in\u00fdch \u0161pecifick\u00fdch produktov a slu\u017eieb poskytovate\u013eov bankov\u00fdch slu\u017eieb.<\/figcaption><\/figure>\n\n\n\n<p>Aby toho nebolo m\u00e1lo, k podielov\u00fdm fondom mo\u017eno pristupova\u0165 aj z h\u013eadiska strat\u00e9gie. Tak\u00e9to mo\u017enosti sporenia m\u00f4\u017eu ma\u0165 podobu konzervat\u00edvnych podielov\u00fdch fondov, vyv\u00e1\u017een\u00fdch podielov\u00fdch fondov a agres\u00edvnych podielov\u00fdch fondov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00fdhody a nev\u00fdhody podielov\u00fdch fondov<\/h3>\n\n\n\n<p>Medzi v\u00fdhody a pozit\u00edva ur\u010dite patria <em>\u00faspora \u010dasu pri riaden\u00ed takejto invest\u00edcie<\/em>. Svoje prostriedky m\u00f4\u017eete rozdeli\u0165 predov\u0161etk\u00fdm na z\u00e1klade svojej tolerancie k riziku. Okrem toho s\u00fa podielov\u00e9 fondy ide\u00e1lnym rie\u0161en\u00edm pre men\u0161\u00edch investorov.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Mo\u017enost\u00ed sporenia tohto typu je ve\u013ea. Na druhej strane je potrebn\u00e9 po\u010d\u00edta\u0165 s vy\u0161\u0161\u00edmi po\u010diato\u010dn\u00fdmi n\u00e1kladmi pri podielov\u00fdch fondoch. <\/p>\n<cite>Mike S., finan\u010dn\u00fd poradca.<\/cite><\/blockquote>\n\n\n\n<p>Aby sme len nechv\u00e1lili podielov\u00e9 fondy, je spr\u00e1vne spomen\u00fa\u0165 men\u0161iu flexibilitu. Z\u00e1rove\u0148 majte na pam\u00e4ti, \u017ee s v\u00fd\u0161kou zisku sa sp\u00e1ja aj miera rizika. Pr\u00e1ve preto nie s\u00fa podielov\u00e9 fondy pre ka\u017ed\u00e9ho.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-uschovane-v-obalce-1024x576.jpg\" alt=\"\" class=\"wp-image-783\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-uschovane-v-obalce-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-uschovane-v-obalce-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-uschovane-v-obalce-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-uschovane-v-obalce-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-uschovane-v-obalce.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Nesna\u017ete sa u\u0161etri\u0165 peniaze t\u00fdm, \u017ee ich odlo\u017e\u00edte a schov\u00e1te do ob\u00e1lky a pod vank\u00fa\u0161.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u010eal\u0161ie mo\u017enosti \u00faspor<\/h2>\n\n\n\n<p>Ke\u010f sa povie mo\u017enosti sporenia, m\u00f4\u017eete si spomen\u00fa\u0165 na niektor\u00e9 \u010fal\u0161ie produkty. Napr\u00edklad vkladn\u00e9 kni\u017eky s\u00fa historickou z\u00e1le\u017eitos\u0165ou, ktor\u00e1 v dne\u0161nej modernej dobe stratila na atraktivite. Kapitolou samou o sebe s\u00fa aj <a href=\"https:\/\/regbu.com\/sk\/kryptomeny-predstavuju-novu-online-menu\/\"><strong>Kryptomeny<\/strong><\/a>. Tieto invest\u00edcie v\u0161ak patria medzi rizikovej\u0161ie a ur\u010dite si vy\u017eaduj\u00fa znalos\u0165 dan\u00e9ho segmentu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010casto kladen\u00e9 ot\u00e1zky a odpovede<\/h3>\n\n\n\n<p>Teraz u\u017e viete, \u017ee mo\u017enosti \u0161etrenia pe\u0148az\u00ed s\u00fa naozaj rozmanit\u00e9 a ka\u017ed\u00fd si n\u00e1jde nie\u010do pre seba. Ak <strong>o r\u00f4znych typoch sporenia a investovania<\/strong> chcete vedie\u0165 viac, pre\u010d\u00edtajte si nasleduj\u00face ot\u00e1zky a odpovede. Mo\u017eno v\u00e1m pom\u00f4\u017eu lep\u0161ie sa rozhodn\u00fa\u0165, ako zhodnoti\u0165 svoje \u00faspory.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1683894584749\"><strong class=\"schema-faq-question\">Je so stavebn\u00fdm sporen\u00edm spojen\u00e1 doba viazanosti?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, stavebn\u00e9 sporenie sa uzatv\u00e1ra minim\u00e1lne na \u0161es\u0165 mesiacov, aby ste mohli naplno vyu\u017e\u00edva\u0165 v\u0161etky v\u00fdhody. Ak ho zru\u0161\u00edte sk\u00f4r, nielen\u017ee pr\u00eddete o \u0161t\u00e1tnu podporu, ale hrozia v\u00e1m aj sank\u010dn\u00e9 poplatky.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894593702\"><strong class=\"schema-faq-question\">Prekon\u00e1vaj\u00fa sporiace \u00fa\u010dty infl\u00e1ciu?<\/strong> <p class=\"schema-faq-answer\">\u017dia\u013e, nie. Sporiace \u00fa\u010dty s\u00fa konzervat\u00edvnym sp\u00f4sobom zhodnocovania pe\u0148az\u00ed. S\u00fa v\u0161ak lep\u0161ie ako necha\u0165 peniaze le\u017ea\u0165 ne\u010dinne na be\u017enom \u00fa\u010dte a sledova\u0165, ako str\u00e1caj\u00fa hodnotu. Sporiaci \u00fa\u010det nikdy neprekon\u00e1 infl\u00e1ciu.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894603020\"><strong class=\"schema-faq-question\">Ako si m\u00f4\u017eem otvori\u0165 sporiaci \u00fa\u010det?<\/strong> <p class=\"schema-faq-answer\">S\u00fa\u010dasn\u00e1 doba pon\u00faka jednoduch\u00e9 a modern\u00e9 rie\u0161enia na otvorenie sporiaceho \u00fa\u010dtu. M\u00f4\u017eete tak urobi\u0165 vo svojej banke prostredn\u00edctvom internetov\u00e9ho bankovn\u00edctva. In\u00e9 pon\u00fakaj\u00fa spracovanie pomocou online \u017eiadosti. Takto nemus\u00edte chodi\u0165 do pobo\u010dky bankovej spolo\u010dnosti.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894615485\"><strong class=\"schema-faq-question\">Ako dlho trv\u00e1 viazanos\u0165 term\u00ednovan\u00e9ho vkladu?<\/strong> <p class=\"schema-faq-answer\">Tento typ \u00fa\u010dtu m\u00e1 naj\u010dastej\u0161ie viazanos\u0165 na nieko\u013eko mesiacov alebo na jeden, dva, tri, p\u00e4\u0165 a desa\u0165 rokov.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894623967\"><strong class=\"schema-faq-question\">Pon\u00fakaj\u00fa s\u00fa\u010dasn\u00e9 mo\u017enosti sporenia sp\u00f4sob, ako prekona\u0165 infl\u00e1ciu?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, ale za predpokladu, \u017ee sa s\u00fa\u010dasne pou\u017e\u00edvaj\u00fa viacer\u00e9 rizikov\u00e9 produkty.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Mo\u017enosti \u00faspor s\u00fa pre ka\u017ed\u00e9ho<\/h3>\n\n\n\n<p>Nenechajte infl\u00e1ciu, aby v\u00e1m pomaly uberala z \u00faspor, a stavte na dne\u0161n\u00e9 mo\u017enosti sporenia. Vyberte si produkt, ktor\u00fd bude <em>vyhovova\u0165 predov\u0161etk\u00fdm z h\u013eadiska rizika, oce\u0148ovania a s\u00favisiacich z\u00e1le\u017eitost\u00ed<\/em>. \u0160etrite si na hor\u0161ie \u010dasy a rozv\u00edjajte svoje financie.<\/p>","protected":false},"excerpt":{"rendered":"<p>Mo\u017enosti sporenia s\u00fa dnes naozaj bohat\u00e9 a sta\u010d\u00ed si len vybra\u0165. Ak v\u00e1m sporenie e\u0161te \u00faplne neu\u010darovalo, je najvy\u0161\u0161\u00ed \u010das za\u010da\u0165 o \u0148om uva\u017eova\u0165. V\u0161eobecn\u00e1 defin\u00edcia pojmu sporenie je pomerne jednoduch\u00e1. Je to \u010dinnos\u0165, ktor\u00e1 vytv\u00e1ra \u00faspory, ktor\u00e9 sa daj\u00fa pou\u017ei\u0165 na \u010doko\u013evek. Samozrejme, pri sporen\u00ed si m\u00f4\u017eete vybra\u0165 a dopria\u0165 ... <\/p>","protected":false},"author":2,"featured_media":779,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[461,594,554,612,597,615,613,600,614,433],"class_list":["post-777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-akcie","tag-dluhopisy","tag-investice","tag-moznosti-sporeni","tag-podilove-fondy","tag-pojisteni","tag-sporeni","tag-sporici-ucet","tag-terminovany-vklad","tag-uspory"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mo\u017enosti spo\u0159en\u00ed, kter\u00e9 se vyplat\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Sou\u010dasn\u00fd trh nab\u00edz\u00ed odli\u0161n\u00e9 mo\u017enosti spo\u0159en\u00ed. 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Pokud byste ho zru\u0161ili d\u0159\u00edve, p\u0159ijdete nejenom o statn\u00ed podporu, ale budete se pot\u00fdkat i se sank\u010dn\u00edmi poplatky.\",\"inLanguage\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/moznosti-sporeni-ktere-se-vyplati\\\/#faq-question-1683894593702\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/moznosti-sporeni-ktere-se-vyplati\\\/#faq-question-1683894593702\",\"name\":\"P\u0159evy\u0161uj\u00ed spo\u0159ic\u00ed \u00fa\u010dty inflaci?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bohu\u017eel nikoliv. Spo\u0159ic\u00ed \u00fa\u010dty jsou konzervativn\u00edm zp\u016fsobem zhodnocen\u00ed pen\u011b\u017en\u00edch prost\u0159edk\u016f. Jsou v\u0161ak lep\u0161\u00ed, ne\u017e nechat le\u017eet pen\u00edze ladem na b\u011b\u017en\u00e9m \u00fa\u010dtu a d\u00edvat se na ztr\u00e1tu jejich hodnoty. Spo\u0159ic\u00ed \u00fa\u010det inflaci nikdy nep\u0159ekon\u00e1.\",\"inLanguage\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/moznosti-sporeni-ktere-se-vyplati\\\/#faq-question-1683894603020\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/moznosti-sporeni-ktere-se-vyplati\\\/#faq-question-1683894603020\",\"name\":\"Jak\u00fdm zp\u016fsobem lze zalo\u017eit spo\u0159ic\u00ed \u00fa\u010det?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Sou\u010dasn\u00e1 doba nab\u00edz\u00ed jednoduch\u00e1 a modern\u00ed \u0159e\u0161en\u00ed zalo\u017een\u00ed spo\u0159ic\u00edho \u00fa\u010dtu. U sv\u00e9 banky to m\u016f\u017eete prov\u00e9st skrze internetov\u00e9 bankovnictv\u00ed. Jin\u00e9 zase nab\u00edz\u00ed vy\u0159\u00edzen\u00ed s pomoc\u00ed online \u017e\u00e1dosti. 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