{"id":5560,"date":"2022-04-21T00:00:00","date_gmt":"2022-04-20T23:00:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=5560"},"modified":"2023-08-17T13:11:08","modified_gmt":"2023-08-17T12:11:08","slug":"sporici-ucet-a-jine-moznosti","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/sporici-ucet-a-jine-moznosti\/","title":{"rendered":"Spo\u0159ic\u00ed \u00fa\u010det, term\u00ednovan\u00fd vklad, investice: Jak nejl\u00e9pe spo\u0159it?"},"content":{"rendered":"\n

V\u00fdvoj inflace, kter\u00fd v d\u016fsledku pandemick\u00e9 i geopolitick\u00e9 situace nen\u00ed p\u0159\u00edli\u0161 p\u0159\u00edzniv\u00fd<\/strong>, vede st\u00e1le v\u00edce lid\u00ed k tomu, aby hledali cesty, jak zhodnotit sv\u00e9 pen\u00edze. Mo\u017enost\u00ed, jak na to, existuje hned n\u011bkolik, p\u0159i\u010dem\u017e v\u00fd\u0161e v\u00fdnos\u016f z\u00e1vis\u00ed na tom, jak\u00e9 riziko je \u010dlov\u011bk ochoten podstoupit. Zat\u00edmco v p\u0159\u00edpad\u011b spo\u0159ic\u00edho \u00fa\u010dtu je \u0161ance, \u017ee o pen\u00edze p\u0159ijdete, minim\u00e1ln\u00ed, investice do pod\u00edlov\u00fdch fond\u016f jsou v\u00edce nejist\u00e9, ale mohou v\u00e1m p\u0159in\u00e9st vy\u0161\u0161\u00ed zhodnocen\u00ed.<\/p>\n\n\n\n

Co je to inflace?<\/em><\/strong>

Inflace je obvykle ch\u00e1p\u00e1na jako r\u016fst v\u011bt\u0161iny cen v konkr\u00e9tn\u00ed ekonomice. Jde o oslaben\u00ed re\u00e1ln\u00e9 hodnoty (tj. kupn\u00ed s\u00edly) m\u011bny v\u016f\u010di zbo\u017e\u00ed a slu\u017eb\u00e1m, kter\u00e9 spot\u0159ebitel kupuje. Zjednodu\u0161en\u011b to znamen\u00e1, \u017ee za n\u00e1kup<\/a> stejn\u00e9ho zbo\u017e\u00ed a slu\u017eeb utrat\u00edte v\u00edce pen\u011bz ne\u017e d\u0159\u00edve.<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Spo\u0159ic\u00ed \u00fa\u010dty<\/strong><\/h2>\n\n\n\n

M\u00e1te-li pen\u00edze nav\u00edc, neschov\u00e1vejte je do matrace, kterou po\u0159\u00edd\u00edte se slevov\u00fdm k\u00f3dem na Dormeo<\/a> a rad\u011bji je zhodnocujte. Mezi nejbezpe\u010dn\u011bj\u0161\u00ed zp\u016fsoby, jak si odkl\u00e1dat finance stranou a z\u00e1rove\u0148 zvy\u0161ovat jejich hodnotu, pat\u0159\u00ed zalo\u017een\u00ed spo\u0159ic\u00edho \u00fa\u010dtu<\/strong>. V dne\u0161n\u00ed dob\u011b si ho u v\u011bt\u0161iny bank sjedn\u00e1te b\u011bhem chvilky a online, tak\u017ee m\u016f\u017eete za\u010d\u00edt spo\u0159it t\u0159eba hned.<\/p>\n\n\n\n

\"Jak\u00fd
Nechcete riskovat? Spo\u0159ic\u00ed \u00fa\u010det je produkt pro v\u00e1s.<\/figcaption><\/figure>\n\n\n\n

Banka v\u00e1m za to, \u017ee j\u00ed sv\u00e9 prost\u0159edky sv\u011b\u0159\u00edte, na opl\u00e1tku nab\u00eddne \u00farok, kter\u00fdm va\u0161e pravideln\u00e9 vklady zhodnot\u00ed. V sou\u010dasn\u00e9 dob\u011b nejvy\u0161\u0161\u00ed ro\u010dn\u00ed \u00farokov\u00e1 sazba u spo\u0159ic\u00edch \u00fa\u010dt\u016f \u010din\u00ed 4 %<\/strong>. Takov\u00e9 zhodnocen\u00ed sice nepokryje inflaci, kter\u00e1 v posledn\u00edch m\u011bs\u00edc\u00edch atakuje hranici 10 %, ale na druhou stranu je ka\u017ed\u00e9 \u00faro\u010den\u00ed lep\u0161\u00ed ne\u017e \u017e\u00e1dn\u00e9.<\/p>\n\n\n\n

\u2795 Odkl\u00e1dat si m\u016f\u017eete libovolnou \u010d\u00e1stku podle va\u0161ich aktu\u00e1ln\u00edch mo\u017enost\u00ed.
\u2795 Pen\u00edze m\u00e1te kdykoliv k dispozici a m\u016f\u017eete si je p\u0159ev\u00e9st na b\u011b\u017en\u00fd \u00fa\u010det.
\u2795 Produkt p\u0159edstavuje minim\u00e1ln\u00ed riziko, naspo\u0159en\u00e9 pen\u00edze jsou nav\u00edc do ur\u010dit\u00e9 \u010d\u00e1stky poji\u0161t\u011bn\u00e9.

\u2796 \u00darokov\u00e1 sazba, kterou aktu\u00e1ln\u011b banky nab\u00edzej\u00ed, nepokryje inflaci.
\u2796 P\u0159i ulo\u017een\u00ed vy\u0161\u0161\u00ed \u010d\u00e1stky v\u00e1m banka m\u016f\u017ee nab\u00eddnout ni\u017e\u0161\u00ed \u00faro\u010den\u00ed.<\/p>\n\n\n\n

Srovn\u00e1n\u00ed spo\u0159ic\u00edch \u00fa\u010dt\u016f k 20. 4. 2022<\/h3>\n\n\n\n
SPO\u0158IC\u00cd \u00da\u010cET<\/strong><\/td>\u00daROKOV\u00c1 SAZBA <\/strong><\/td><\/tr>

<\/strong>Komer\u010dn\u00ed banka Spo\u0159ic\u00ed konto Bonus Invest<\/em><\/td>		4 %<\/td><\/tr>
Equa bank Spo\u0159ic\u00ed \u00fa\u010det EXTRA<\/em><\/td>4 %<\/td><\/tr>
Trinity Bank Spo\u0159ic\u00ed \u00fa\u010det Dobr\u00fd klient<\/em><\/td>3,68 %<\/td><\/tr>
Creditas Spo\u0159ic\u00ed \u00fa\u010det +<\/em><\/td>3,6 %<\/td><\/tr>
Po\u0161tovn\u00ed spo\u0159itelna Duo Profit<\/em><\/td>3,5 %<\/td><\/tr>
\u010cSOB Duo Profit<\/em><\/td>3,5 %<\/td><\/tr>
Hello bank Hello spo\u0159en\u00ed<\/a><\/em><\/td>3,1 %<\/td><\/tr>
Equa bank Spo\u0159ic\u00ed \u00fa\u010det HIT<\/em><\/td>3 %<\/td><\/tr>
Air Bank Spo\u0159ic\u00ed \u00fa\u010det<\/em><\/td>3 %<\/td><\/tr>
Raiffeisenbank Spo\u0159ic\u00ed \u00fa\u010det XL<\/em><\/td>3 %<\/td><\/tr>
Fio banka Fio konto<\/em><\/td>3 %<\/td><\/tr>
J&T BANKA Vkladov\u00fd \u00fa\u010det <\/em><\/td>3 %<\/td><\/tr><\/tbody><\/table>
\u00dadaje plat\u00ed k 20. 4. 2022<\/figcaption><\/figure>\n\n\n\n

Term\u00ednovan\u00e9 vklady<\/strong><\/h2>\n\n\n\n

Term\u00ednovan\u00fd vklad se od spo\u0159ic\u00edho \u00fa\u010dtu li\u0161\u00ed v tom, \u017ee se p\u0159i jeho sjedn\u00e1n\u00ed zavazujete ke spo\u0159en\u00ed na ur\u010dit\u00e9 \u010dasov\u00e9 obdob\u00ed. Pokud v\u00e1m tedy pen\u00edze p\u0159eb\u00fdvaj\u00ed a v\u00edte, \u017ee je nebudete pot\u0159ebovat, m\u016f\u017ee pro v\u00e1s term\u00ednovan\u00fd vklad b\u00fdt to prav\u00e9. Po\u010d\u00edtat ale na druhou stranu m\u016f\u017eete s garantovan\u00fdm \u00farokem<\/strong>, kter\u00fd se b\u011bhem doby spo\u0159en\u00ed nezm\u011bn\u00ed.<\/p>\n\n\n

\"A\u017e<\/a><\/figure>\n
\"A\u017e<\/a><\/figure>\n\n\n

Term\u00ednovan\u00e9 vklady mohou b\u00fdt kr\u00e1tkodob\u00e9 (od 7 dn\u00ed do 1 roku), st\u0159edn\u011bdob\u00e9 (od 1 do 2 let) a dlouhodob\u00e9 (od 2 do 5 nebo v\u00edce let). Plat\u00ed, \u017ee \u010d\u00edm del\u0161\u00ed je doba vkladu, t\u00edm vy\u0161\u0161\u00ed \u00farokovou sazbu m\u016f\u017eete z\u00edskat<\/strong>. Mus\u00edte ale po\u010d\u00edtat s t\u00edm, \u017ee na naspo\u0159en\u00e9 pen\u00edze nesm\u00edte b\u011bhem p\u0159edem stanoven\u00e9ho \u010dasov\u00e9ho \u00faseku s\u00e1hnout.<\/p>\n\n\n\n

\u2795 M\u016f\u017eete z\u00edskat vy\u0161\u0161\u00ed \u00faro\u010den\u00ed ne\u017e v p\u0159\u00edpad\u011b spo\u0159ic\u00edho \u00fa\u010dtu.
\u2795 Sjedn\u00e1n\u00ed i veden\u00ed \u00fa\u010dtu b\u00fdv\u00e1 bezplatn\u00e9.
\u2795 Naspo\u0159en\u00e9 pen\u00edze m\u00e1te ze z\u00e1kona poji\u0161t\u011bn\u00e9 a\u017e do \u010d\u00e1stky 100 000 eur.

\u2796 Pen\u00edze nem\u00e1te kdykoliv k dispozici, a pokud si je budete cht\u00edt vybrat, m\u016f\u017eete p\u0159ij\u00edt o \u00faroky<\/a>, a nav\u00edc v\u00e1s neminou sank\u010dn\u00ed poplatky.
\u2796 Aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby u term\u00ednovan\u00fdch vklad\u016f nejsou p\u0159\u00edli\u0161 atraktivn\u00ed.<\/p>\n\n\n\n

Investice<\/strong><\/h2>\n\n\n\n

V posledn\u00ed dob\u011b jsou st\u00e1le popul\u00e1rn\u011bj\u0161\u00ed investice do pod\u00edlov\u00fdch fond\u016f<\/strong>. K tomu, abyste se do investov\u00e1n\u00ed pustili, nemus\u00edte b\u00fdt milion\u00e1\u0159, za\u010d\u00edt toti\u017e m\u016f\u017eete u\u017e s n\u011bkolika stokorunami. Investovat nav\u00edc m\u016f\u017eete online, tak\u017ee fondy m\u016f\u017eete nakupovat i prod\u00e1vat prakticky odkudkoliv. Na za\u010d\u00e1tku si vyberete investi\u010dn\u00ed strategii a pak u\u017e jen sledujete, jak si va\u0161e investice vedou.<\/p>\n\n\n

TIP!<\/div>
Chcete objevit sv\u011bt investic? S n\u00e1mi se do investov\u00e1n\u00ed m\u016f\u017eete pustit s p\u00e1r desetikorunami.<\/a><\/b><\/div><\/div>\n\n\n\n

Pro\u010d investovat? Investice jsou sice rizikov\u011bj\u0161\u00ed, ale na druhou stranu nab\u00edzej\u00ed mnohem zaj\u00edmav\u011bj\u0161\u00ed zhodnocen\u00ed pen\u011bz, kter\u00e9 m\u016f\u017ee dos\u00e1hnout a\u017e k 10 %<\/strong>. Pokud se v investic\u00edch p\u0159\u00edli\u0161 nevyzn\u00e1te, m\u016f\u017eete se z\u00e1kladn\u00ed principy zhodnocov\u00e1n\u00ed pen\u011bz nau\u010dit na ni\u017e\u0161\u00edch \u010d\u00e1stk\u00e1ch, p\u0159\u00edpadn\u011b se obr\u00e1tit na investi\u010dn\u00edho specialistu, kter\u00fd v\u00e1m na z\u00e1klad\u011b va\u0161ich mo\u017enost\u00ed, pot\u0159eb a po\u017eadavk\u016f vytvo\u0159\u00ed investi\u010dn\u00ed portfolio na m\u00edru. A a\u017e si prost\u0159ed\u00ed investic l\u00e9pe osah\u00e1te, m\u016f\u017eete se za\u010d\u00edt pou\u0161t\u011bt i do slo\u017eit\u011bj\u0161\u00edch operac\u00ed.<\/p>\n\n\n\n

\u2795 Pod\u00edlov\u00e9 fondy v\u00e1m mohou zajistit zaj\u00edmav\u00e9 v\u00fdnosy.
\u2795 Investovat m\u016f\u017eete online a podle p\u0159edem nastaven\u00fdch strategi\u00ed.
\u2795 Pen\u00edze si m\u016f\u017eete kdykoliv a bez sankc\u00ed vybrat.

\u2796 Pokud si vyberete riskantn\u011bj\u0161\u00ed strategii, m\u016f\u017eete o pen\u00edze snadno p\u0159ij\u00edt.
\u2796 V\u00fdnos nen\u00ed garantovan\u00fd a v \u010dase kol\u00eds\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kdy\u017e pen\u00edze le\u017e\u00ed na\u00a0b\u011b\u017en\u00e9m \u00fa\u010dtu, ztr\u00e1c\u00ed v\u00a0\u010dase svou hodnotu. Pokud chcete, aby va\u0161e \u00faspory neukrajovala inflace, m\u00e1te hned n\u011bkolik mo\u017enost\u00ed, jak je rozpohybovat. M\u016f\u017eete si zalo\u017eit spo\u0159ic\u00ed \u00fa\u010det, za\u010d\u00edt investovat nebo je vlo\u017eit do\u00a0term\u00ednovan\u00fdch fond\u016f. Prozkoumali jsme, kter\u00e1 z\u00a0variant se v\u00e1m nejv\u00edc vyplat\u00ed.<\/p>\n","protected":false},"author":16,"featured_media":5585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,38,24],"class_list":["post-5560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-investice","tag-tipy-triky","entry"],"acf":[],"yoast_head":"\nSpo\u0159ic\u00ed \u00fa\u010det, term\u00ednovan\u00fd vklad, investice: Jak nejl\u00e9pe spo\u0159it? | Skip Pay<\/title>\n<meta name=\"description\" content=\"Hled\u00e1te zp\u016fsob, jak vyzr\u00e1t na inflaci a vyplat\u00ed se m\u00edt spo\u0159ic\u00ed \u00fa\u010det? 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