[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stronger.sk\/peniaze-investovat-sporit-alebo-schovat\/#Article","mainEntityOfPage":"https:\/\/www.stronger.sk\/peniaze-investovat-sporit-alebo-schovat\/","headline":"Peniaze investova\u0165, spori\u0165 alebo schova\u0165?","name":"Peniaze investova\u0165, spori\u0165 alebo schova\u0165?","description":"Drviv\u00e1 v\u00e4\u010d\u0161ina Slov\u00e1kov dr\u017e\u00ed svoje \u00faspory na be\u017enom \u00fa\u010dte u svojej banky a neuvedomuj\u00fa si, \u017ee existuj\u00fa ove\u013ea lep\u0161ie sp\u00f4soby, ako tak\u00e9 peniaze vyu\u017ei\u0165. S\u00fa aj tak\u00ed, ktor\u00ed peniaze schov\u00e1vaj\u00fa doma, ale t\u00fdch je d\u00fafajme men\u0161ina, preto\u017ee to sa jedn\u00e1 doslova o ve\u013emi zl\u00e9 rie\u0161enie. Ako teda nalo\u017ei\u0165 s usporen\u00fdmi peniazmi, aby sme o ne […]","datePublished":"2020-10-03","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.stronger.sk\/author\/#Person","name":"stronger.sk\n","url":"https:\/\/www.stronger.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7726f7b8e3ba8979c4cf2ad896cb2e8cc05af8ceb17ce4fb40617b72e0be53b4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stronger.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stronger.sk\/wp-content\/uploads\/img_a279604_w2004_t1601628165.png","url":"https:\/\/www.stronger.sk\/wp-content\/uploads\/img_a279604_w2004_t1601628165.png","height":0,"width":0},"url":"https:\/\/www.stronger.sk\/peniaze-investovat-sporit-alebo-schovat\/","about":["Ekonomika"],"wordCount":436,"articleBody":"Drviv\u00e1 v\u00e4\u010d\u0161ina Slov\u00e1kov dr\u017e\u00ed svoje \u00faspory na be\u017enom \u00fa\u010dte u svojej banky a neuvedomuj\u00fa si, \u017ee existuj\u00fa ove\u013ea lep\u0161ie sp\u00f4soby, ako tak\u00e9 peniaze vyu\u017ei\u0165. S\u00fa aj tak\u00ed, ktor\u00ed peniaze schov\u00e1vaj\u00fa doma, ale t\u00fdch je d\u00fafajme men\u0161ina, preto\u017ee to sa jedn\u00e1 doslova o ve\u013emi zl\u00e9 rie\u0161enie. Ako teda nalo\u017ei\u0165 s usporen\u00fdmi peniazmi, aby sme o ne nepri\u0161li a e\u0161te u\u0161etrili a zarobili?Prv\u00fd krok–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Najd\u00f4le\u017eitej\u0161ie je si uvedomi\u0165, \u010do s peniazmi chcem robi\u0165. V dne\u0161nej dobe s\u00fa k dispoz\u00edcii vhodn\u00e9 finan\u010dn\u00e9 produkty pre dan\u00fa konkr\u00e9tnu situ\u00e1ciu. Je ve\u013ek\u00fd rozdiel, \u010di chcem bud\u00faci t\u00fd\u017ede\u0148 investova\u0165 do novej kuchyne, alebo chcem peniaze pou\u017ei\u0165 v starobe k d\u00f4chodku.Ako spori\u0165–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pre kr\u00e1tkodob\u00e9 ciele s\u00fa vhodnej\u0161ie sporiace produkty ako napr\u00edklad sporiaci \u00fa\u010det, \u010di term\u00ednovan\u00fd vklad.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pre dlhodob\u00e9 ciele je vhodnej\u0161ie investovanie do cenn\u00fdch papierov, alebo otvoren\u00fdch podielov\u00fdch fondov.Rozdiel medzi sporen\u00edm a investovan\u00edm–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U\u00a0sporenia je v\u017edy dopredu zn\u00e1me, ak\u00e9 budem ma\u0165 podmienky. Vopred viem, ako sa moje peniaze zhodnotia, ak\u00e9 s\u00fa rizik\u00e1 a kedy ich dostanem sp\u00e4\u0165.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U investovania pracujem len s o\u010dak\u00e1van\u00fdm v\u00fdnosom a s v\u00e4\u010d\u0161ou mierou rizika. Plat\u00ed tu, \u010d\u00edm v\u00e4\u010d\u0161ie riziko, t\u00fdm v\u00e4\u010d\u0161\u00ed v\u00fdsledn\u00fd v\u00fdnos.Ako investova\u0165–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U investovania plat\u00ed, \u017ee neexistuje dokonal\u00e1 invest\u00edcia. Na svete neexistuje invest\u00edcia, ktor\u00e1 by mala n\u00edzke a\u017e nulov\u00e9 riziko a z\u00e1rove\u0148 vysok\u00e9 zhodnotenie a peniaze ma\u0165 kedyko\u013evek k dispoz\u00edcii. Existuje iba a len kombin\u00e1cia vy\u0161\u0161ie uveden\u00e9ho.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sporiaci \u00fa\u010det m\u00e1 n\u00edzke riziko. Peniaze potom m\u00e1te ihne\u010f k dispoz\u00edcii. Ale zhodnotenie je ve\u013emi mal\u00e9 alebo \u017eiadne.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 S term\u00ednovan\u00fdm vkladom m\u00f4\u017eete z\u00edska\u0165 zhodnotenie vy\u0161\u0161ie, riziko je tie\u017e ve\u013emi n\u00edzke, ale peniaze dostanete za 1 – 5 rokov, pod\u013ea druhu vkladu.Mo\u017enosti investovania–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Investova\u0165 mo\u017eno do dlhopisov, akci\u00ed alebo komod\u00edt. Investovanie do cenn\u00fdch papierov je v\u0161ak ve\u013emi rizikov\u00e9. Toto riziko sa d\u00e1 zn\u00ed\u017ei\u0165, ak investujeme pomocou otvoren\u00fdch podielov\u00fdch fondov. Vy potom nakupujete podielov\u00e9 listy a m\u00e1te tak podiel na t\u00fdchto cenn\u00fdch papieroch. V\u010faka fondom zni\u017eujete riziko V\u00e1\u0161ho chybn\u00e9ho n\u00e1kupu.Druhy podielov\u00fdch fondov–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pod\u013ea rizika sa fondy delia na fondy pe\u0148a\u017en\u00e9ho trhu, dlhopisov\u00e9 fondy, fondy zmie\u0161an\u00e9, akciov\u00e9 a fondy komoditn\u00e9. Doba invest\u00edcie do fondov sa pohybuje do siedmich rokov.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Peniaze investova\u0165, spori\u0165 alebo schova\u0165?","item":"https:\/\/www.stronger.sk\/peniaze-investovat-sporit-alebo-schovat\/#breadcrumbitem"}]}]