{"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\/sl\/opcije-resitve-za-placilo\/","title":{"rendered":"Mo\u017enosti var\u010devanja, ki se izpla\u010dajo"},"content":{"rendered":"<p>Mo\u017enosti var\u010devanja so danes zelo bogate, zato morate le izbrati. \u010ce vas var\u010devanje \u0161e ni povsem o\u010daralo, je skrajni \u010das, da o tem za\u010dnete razmi\u0161ljati. Splo\u0161na opredelitev pojma var\u010devanje je precej preprosta. Gre za dejavnost, pri kateri <strong>ustvarjeni so prihranki, ki se lahko uporabijo za kar koli.<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ustvarjanje finan\u010dnih prihrankov<\/li>\n\n\n\n<li>Vrednotenje sredstev<\/li>\n\n\n\n<li>Pridobivanje kapitala<\/li>\n<\/ul>\n\n\n\n<p>Seveda lahko z var\u010devanjem izbirate in si privo\u0161\u010dite razli\u010dne mo\u017enosti. Obstaja ve\u010d izdelkov, ki vam lahko pomagajo dose\u010di \u017eeleno vrednotenje. Mo\u017enosti var\u010devanja so varne, nizke in konservativne na eni strani ter donosne in tvegane na drugi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Var\u010devalni ra\u010duni kot absolutna osnova<\/h2>\n\n\n\n<p>\u010ce se izogibate tveganju in ste nagnjeni k varnosti, so var\u010devalni ra\u010duni idealna izbira za vas. <em>S temi mo\u017enostmi var\u010devanja ne boste zaslu\u017eili toliko.<\/em>po drugi strani pa vam ni treba skrbeti za finance. Var\u010devalni ra\u010duni imajo ve\u010d klju\u010dnih prednosti, ki vam jih bomo zdaj predstavili.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Pristojbina<\/td><td>Obi\u010dajno ni\u010d<\/td><\/tr><tr><td>Ravnanje z denarjem<\/td><td>Hitro in prilagodljivo<\/td><\/tr><tr><td>Zavarovanje<\/td><td>Do 100 000 EUR<\/td><\/tr><tr><td>Znesek apreciacije<\/td><td>Nizki odstotki na enoto<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Obi\u010dajne in razpolo\u017eljive mo\u017enosti var\u010devanja so var\u010devalni ra\u010duni, ki jih ponuja ve\u010dina ban\u010dnih dru\u017eb.<\/figcaption><\/figure>\n\n\n\n<p>Z var\u010devalnim ra\u010dunom morda ne zaslu\u017eite toliko, vendar ste lahko prepri\u010dani, da denarja ne boste izgubili. Tak\u0161ne mo\u017enosti var\u010devanja so iskane pri vseh generacijah. Morda tudi zato, ker ve\u010dina bank var\u010devalni ra\u010dun ponuja kot brezpla\u010den del rednega ban\u010dnega ra\u010duna.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Slabosti var\u010devalnega ra\u010duna<\/h3>\n\n\n\n<p>Opozoriti je treba, da je var\u010devalni ra\u010dun v prvi vrsti povezan le s prednostmi. Med slabosti lahko uvrstimo morda le ni\u017ejo obrestno mero. <strong>Tveganje in varnost<\/strong> so zato popolnoma uravnote\u017eeni in odvisni od va\u0161e izbire. \u010ceprav so to prej izjeme, nekatere banke spodbujajo odprtje var\u010devalnega ra\u010duna z odprtjem klasi\u010dnega ra\u010duna.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Var\u010devalni ra\u010dun se uporablja predvsem za vrednotenje va\u0161ih financ. Zato se z njega obi\u010dajno ne izvajajo posebna pla\u010dila v obliki direktnih obremenitev, trajnih nalogov itd. <\/p>\n<cite>William S., ban\u010dni uslu\u017ebenec.<\/cite><\/blockquote>\n\n\n\n<p>O var\u010devalnih ra\u010dunih verjetno ni mogo\u010de re\u010di ni\u010desar drugega. Niti nimajo obdobja vezave, zato je denar v bistvu takoj na voljo in z njim lahko razpolagate po lastni presoji.<\/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 var\u010devanja, to je vrednotenje denarja in pove\u010devanje kapitala na razli\u010dne na\u010dine.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mo\u017enosti var\u010devanja - vezani depoziti<\/h2>\n\n\n\n<p>Seveda obstajajo tudi druge mo\u017enosti var\u010devanja. Tipi\u010den primer so vezani depoziti ali druga\u010de imenovani terminski ra\u010duni. Pomen te besedne zveze razkriva marsikaj. <em>To je poseben ban\u010dni ra\u010dun, namenjen samo vrednotenju denarja.<\/em>. Vendar se od var\u010devalnega ra\u010duna razlikuje v nekaj klju\u010dnih pogledih.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fiksne obresti, dokler je denar deponiran<\/li>\n\n\n\n<li>Finan\u010dnih sredstev ni mogo\u010de razpolagati<\/li>\n\n\n\n<li>Razli\u010dna obdobja vezanih depozitov<\/li>\n<\/ul>\n\n\n\n<p>Medtem ko vezani depoziti ponujajo bolj\u0161e vrednotenje kot var\u010devalni ra\u010duni, po drugi strani z denarjem ne morete razpolagati. Za pred\u010dasno izpla\u010dilo obi\u010dajno pla\u010date provizijo. Te var\u010devalne mo\u017enosti imajo torej razli\u010dne pogoje, kar je lahko za nekatere ugodno, za druge pa ne.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Druga mo\u017enost je pokojninsko var\u010devanje<\/h3>\n\n\n\n<p>Mo\u017enosti var\u010devanja vklju\u010dujejo tudi dodatno pokojninsko zavarovanje. To je v bistvu var\u010devanje za pokojnino. Pri tem vam pomaga dr\u017eava, zato je treba pla\u010dati dr\u017eavni prispevek. Pokojninsko var\u010devanje vklju\u010duje tudi dav\u010dne prihranke, mo\u017enost pred upokojitvijo ali <strong>prispevki delodajalca<\/strong>. Priljubljenost dodatnega pokojninskega zavarovanja je prikazana v spodnji preglednici s preteklimi podatki o obsegu sredstev, ki se upravljajo v okviru tega produkta na \u010ce\u0161kem.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Leto<\/strong><\/td><td><strong>Obseg v milijardah kron<\/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\">Zanimanje za dodatno pokojninsko zavarovanje je na \u010ce\u0161kem potekalo v razli\u010dnih oblikah.<\/figcaption><\/figure>\n\n\n\n<p>Po drugi strani pa je treba upo\u0161tevati, da je dodatno pokojninsko zavarovanje ena od var\u010devalnih mo\u017enosti z ni\u017ejo likvidnostjo. Bolj ali manj nimate nadzora nad tem, kako se vlagajo sredstva, ki jih vlagate, in pla\u010dujete provizijo od letne apreciacije.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mo\u017enosti var\u010devanja - Gradbeno var\u010devanje<\/h3>\n\n\n\n<p>Ta finan\u010dni produkt so dolga leta hvalili kot dolo\u010deno varnost v obliki dr\u017eavnega prispevka in ustreznega vrednotenja preostanka. Zaradi postopnega zmanj\u0161evanja dr\u017eavnega prispevka je to precej zanimiv na\u010din za pridobitev posojila iz sklada za stanovanjsko var\u010devanje.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Gradbeno var\u010devanje ne slu\u017ei le za plemenitenje denarja, temve\u010d tudi kot prilo\u017enost za pridobitev premostitvenega ali rednega posojila iz gradbenega var\u010devanja. <\/p>\n<cite>Emma S., finan\u010dni svetovalec.<\/cite><\/blockquote>\n\n\n\n<p>Ta izdelek je namenjen predvsem fizi\u010dnim osebam s stalnim prebivali\u0161\u010dem na \u010ce\u0161kem, vklju\u010dno z dr\u017eavljani Evropske unije z dovoljenjem za prebivanje na \u010ce\u0161kem.<\/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\">Prihranki v hranilniku zagotovo ne spadajo med donosne in zanimive nalo\u017ebene mo\u017enosti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Mo\u017enosti var\u010devanja v vzajemnih skladih<\/h2>\n\n\n\n<p>Vzajemni skladi so povezani z izrazom kolektivna nalo\u017eba. V bistvu gre za zbirko sredstev vlagateljev. To je nato <em>upravlja tretja oseba.<\/em>. Kot vlagatelji vlo\u017eite denar v dolo\u010den sklad. Nato se kupijo sredstva druge vrste.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Obveznice<\/li>\n\n\n\n<li>Delnice<\/li>\n\n\n\n<li>Potrdila o delnicah<\/li>\n<\/ul>\n\n\n\n<p>Var\u010devalne mo\u017enosti v obliki vzajemnih skladov so obi\u010dajno povezane z banko ali drugo institucijo, prek katere lahko vlagate svoja sredstva. O prednostih in slabostih vzajemnih skladov si lahko preberete v naslednjih vrsticah.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vrste vzajemnih skladov<\/h3>\n\n\n\n<p>\u010ce se odlo\u010dite, da boste svoj denar vlo\u017eili v vzajemne sklade, morate o njih vedeti \u010dim ve\u010d. Na primer, da <strong>vzajemni skladi so razvr\u0161\u010deni po razredu sredstev.<\/strong>. Teh je ve\u010d in so prikazane v spodnji preglednici.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Vrednost<\/strong><\/td><\/tr><tr><td>Lastni\u0161ki skladi<\/td><td>Delnice<\/td><\/tr><tr><td>Skladi obveznic<\/td><td>Obveznice<\/td><\/tr><tr><td>Skladi skladov<\/td><td>Drugi skladi<\/td><\/tr><tr><td>Me\u0161ani skladi<\/td><td>Ve\u010dinoma obveznice<\/td><\/tr><tr><td>Blagovni skladi<\/td><td>Vrednostni papirji<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">nalo\u017ebene mo\u017enosti pri upravljanju drugih posebnih produktov in storitev ban\u010dnih ponudnikov.<\/figcaption><\/figure>\n\n\n\n<p>\u0160e huje, vzajemne sklade je mogo\u010de obravnavati tudi z vidika strategije. Tak\u0161ne mo\u017enosti var\u010devanja so lahko v obliki konservativnih vzajemnih skladov, uravnote\u017eenih vzajemnih skladov in agresivnih vzajemnih skladov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prednosti in slabosti vzajemnih skladov<\/h3>\n\n\n\n<p>Prednosti in pozitivni u\u010dinki so zagotovo naslednji <em>prihranek \u010dasa pri upravljanju take nalo\u017ebe.<\/em>. Svoja sredstva lahko razporedite predvsem glede na svojo toleranco do tveganja. Poleg tega so vzajemni skladi idealna re\u0161itev za manj\u0161e vlagatelje.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Tak\u0161nih mo\u017enosti var\u010devanja je veliko. Po drugi strani pa je treba upo\u0161tevati vi\u0161je za\u010detne stro\u0161ke vzajemnih skladov. <\/p>\n<cite>Mike S., finan\u010dni svetovalec.<\/cite><\/blockquote>\n\n\n\n<p>Da ne bi samo hvalili vzajemnih skladov, je prav, da omenimo manj\u0161o prilagodljivost. Hkrati pa ne pozabite, da z velikostjo dobi\u010dka prihaja tudi stopnja tveganja. Prav zato vzajemni skladi niso za vsakogar.<\/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\">Ne posku\u0161ajte prihraniti denarja tako, da ga spravite na stran in skrijete v kuverto ali pod blazino.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Druge mo\u017enosti var\u010devanja<\/h2>\n\n\n\n<p>Ko re\u010dete var\u010devalne mo\u017enosti, lahko pomislite na nekatere druge izdelke. Na primer, hranilne knji\u017eice so zgodovinska zadeva, ki je v dana\u0161njem \u010dasu izgubila svojo privla\u010dnost. Poglavje samo po sebi so tudi <a href=\"https:\/\/regbu.com\/sl\/kriptovalute-predstavljajo-novo-online-valuto\/\"><strong>Kriptovalute<\/strong><\/a>. Vendar pa so te nalo\u017ebe med bolj tveganimi in vsekakor zahtevajo poznavanje segmenta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pogosto zastavljena vpra\u0161anja in odgovori<\/h3>\n\n\n\n<p>Zdaj veste, da so mo\u017enosti za var\u010devanje zelo raznolike in da lahko vsakdo najde nekaj zase. \u010ce <strong>o razli\u010dnih vrstah var\u010devanja in nalo\u017eb.<\/strong> \u017eelite izvedeti ve\u010d, preberite naslednja vpra\u0161anja in odgovore. Morda vam bodo pomagali pri sprejemanju bolj\u0161ih odlo\u010ditev glede vrednotenja va\u0161ih prihrankov.<\/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\">Ali je z var\u010devanjem na stavbnem ra\u010dunu povezano obdobje zaklenitve?<\/strong> <p class=\"schema-faq-answer\">Da, var\u010devanje v gradbeni hranilnici je treba skleniti za najmanj \u0161est mesecev, da lahko v celoti izkoristite vse ugodnosti. \u010ce ga boste pred tem odpovedali, boste izgubili dr\u017eavno podporo, poleg tega pa boste morali pla\u010dati tudi kazenske stro\u0161ke.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894593702\"><strong class=\"schema-faq-question\">Ali var\u010devalni ra\u010duni presegajo inflacijo?<\/strong> <p class=\"schema-faq-answer\">Na \u017ealost ne. Var\u010devalni ra\u010duni so konzervativen na\u010din vrednotenja denarja. Vendar pa so bolj\u0161i, kot \u010de bi pustili denar le\u017eati na teko\u010dem ra\u010dunu in opazovali, kako izgublja vrednost. Var\u010devalni ra\u010dun ne bo nikoli premagal inflacije.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894603020\"><strong class=\"schema-faq-question\">Kako lahko odprem var\u010devalni ra\u010dun?<\/strong> <p class=\"schema-faq-answer\">Sedanji \u010das ponuja preproste in sodobne re\u0161itve za odprtje var\u010devalnega ra\u010duna. To lahko storite v svoji banki prek spletnega ban\u010dni\u0161tva. Druge ponujajo obdelavo s pomo\u010djo spletne vloge. Na ta na\u010din vam ni treba iti v poslovalnico ban\u010dnega podjetja.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894615485\"><strong class=\"schema-faq-question\">Kako dolgo je obdobje vezave depozita?<\/strong> <p class=\"schema-faq-answer\">Ta vrsta ra\u010duna ima najpogosteje obdobje vezave nekaj mesecev ali eno, dve, tri, pet in deset let.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1683894623967\"><strong class=\"schema-faq-question\">Ali trenutne mo\u017enosti var\u010devanja omogo\u010dajo premagovanje inflacije?<\/strong> <p class=\"schema-faq-answer\">Da, vendar ob predpostavki, da se hkrati uporablja ve\u010d produktov tveganj.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Za vsakogar so na voljo var\u010devalne mo\u017enosti<\/h3>\n\n\n\n<p>Ne dovolite, da inflacija po\u010dasi od\u017eira va\u0161e prihranke, in stavite na dana\u0161nje mo\u017enosti var\u010devanja. Izberite produkt, ki bo <em>ustrezati predvsem glede tveganja, vrednotenja in s tem povezanih zadev.<\/em>. Var\u010dujte za \u010drne dni in pove\u010dajte svoje finance.<\/p>","protected":false},"excerpt":{"rendered":"<p>Mo\u017enosti var\u010devanja so danes res bogate, zato morate le izbrati. \u010ce vas var\u010devanje \u0161e ni povsem o\u010daralo, je skrajni \u010das, da o tem za\u010dnete razmi\u0161ljati. Splo\u0161na opredelitev pojma var\u010devanje je precej preprosta. Gre za dejavnost, ki ustvarja prihranke, ki se lahko uporabijo za karkoli. Seveda lahko pri var\u010devanju izbirate in si privo\u0161\u010dite ... <\/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 v27.5 - 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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Spo\u0159ic\u00ed \u00fa\u010det inflaci nikdy nep\u0159ekon\u00e1.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@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":"Kako lahko odprem var\u010devalni ra\u010dun?","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. Nemus\u00edte tak chodit na pobo\u010dku bankovn\u00ed spole\u010dnosti.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@type":"Question","@id":"https:\/\/regbu.com\/moznosti-sporeni-ktere-se-vyplati\/#faq-question-1683894615485","position":4,"url":"https:\/\/regbu.com\/moznosti-sporeni-ktere-se-vyplati\/#faq-question-1683894615485","name":"Kako dolgo je obdobje vezave depozita?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"U tohoto typu \u00fa\u010dtu se nej\u010dast\u011bji setk\u00e1te s v\u00e1zac\u00ed dobou na n\u011bkolik m\u011bs\u00edc\u016f, pop\u0159\u00edpad\u011b na rok, dva, t\u0159i, p\u011bt a deset let.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"},{"@type":"Question","@id":"https:\/\/regbu.com\/moznosti-sporeni-ktere-se-vyplati\/#faq-question-1683894623967","position":5,"url":"https:\/\/regbu.com\/moznosti-sporeni-ktere-se-vyplati\/#faq-question-1683894623967","name":"Ali trenutne mo\u017enosti var\u010devanja omogo\u010dajo premagovanje inflacije?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, plat\u00ed to v\u0161ak za p\u0159edpokladu vyu\u017eit\u00ed v\u00edce rizikov\u00fdch produkt\u016f nar\u00e1z.","inLanguage":"sl-SI"},"inLanguage":"sl-SI"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/comments?post=777"}],"version-history":[{"count":3,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/777\/revisions"}],"predecessor-version":[{"id":785,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/posts\/777\/revisions\/785"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/media\/779"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/media?parent=777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/categories?post=777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/sl\/wp-json\/wp\/v2\/tags?post=777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}