{"id":662,"date":"2021-10-25T17:22:14","date_gmt":"2021-10-25T15:22:14","guid":{"rendered":"https:\/\/krkouni.cz\/?p=662"},"modified":"2021-10-25T17:22:37","modified_gmt":"2021-10-25T15:22:37","slug":"kdy-je-spravny-cas-zalozit-pro-dite-sporeni-odbornice-radi-co-si-pri-vyberu-vsimat","status":"publish","type":"post","link":"https:\/\/krkouni.cz\/?p=662","title":{"rendered":"Kdy je spr\u00e1vn\u00fd \u010das zalo\u017eit pro d\u00edt\u011b spo\u0159en\u00ed? Odbornice rad\u00ed, \u010deho si p\u0159i v\u00fdb\u011bru v\u0161\u00edmat"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Zalo\u017eit spo\u0159en\u00ed pro d\u00edt\u011b je to nejlep\u0161\u00ed, co m\u016f\u017eete pro jeho budoucnost ud\u011blat. P\u0159edev\u0161\u00edm studium je velkou finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00ed, na kterou je t\u0159eba se p\u0159ipravit. Nab\u00eddka na trhu je v\u0161ak p\u0159\u00edli\u0161 velk\u00e1, proto odbornice rad\u00ed, co si t\u0159eba p\u0159i v\u00fdb\u011bru spo\u0159en\u00ed v\u0161\u00edmat a tak\u00e9 to, kdy je ide\u00e1ln\u00ed \u010das za\u010d\u00edt.<br>P\u0159i spo\u0159en\u00ed pro d\u00edt\u011b je podstatn\u00e1 pravidelnost a \u010dasov\u00fd horizont. Podle pr\u00e1vni\u010dky Institutu alternativn\u00edho \u0159e\u0161en\u00ed spor\u016f \u010cesk\u00e9 bankovn\u00ed asociace Sylvie \u010eatelinkovej je lep\u0161\u00ed si nastavit vkladovou \u010d\u00e1stku na spo\u0159en\u00ed v rozumn\u00e9 m\u00ed\u0159e a s p\u0159ihl\u00e9dnut\u00edm na rodinn\u00fd rozpo\u010det. Ur\u010dit\u011b by to nem\u011bla b\u00fdt \u010d\u00e1stka, kterou nebudou rodi\u010de v\u011bd\u011bt pravideln\u011b na spo\u0159en\u00ed vkl\u00e1dat. Je t\u0159eba si uv\u011bdomit, \u017ee i z pravideln\u011b odlo\u017een\u00e9 minim\u00e1ln\u00ed \u010d\u00e1stky m\u016f\u017ee po \u010dase vzniknout kvalitn\u00ed finan\u010dn\u00ed rezerva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za\u010dn\u011bte \u010d\u00edm d\u0159\u00edve<br>&#8222;U d\u011bt\u00ed plat\u00ed, \u017ee \u010d\u00edm d\u0159\u00edve za\u010dnete spo\u0159it na jejich budoucnost, t\u00edm l\u00e9pe je p\u0159iprav\u00edte nejen do \u017eivota, ale i na studium. Pr\u00e1v\u011b studium je jedn\u00edm z hlavn\u00edch d\u016fvod\u016f, pro\u010d d\u00edt\u011bti za\u010d\u00edt spo\u0159it co nejd\u0159\u00edve, jeliko\u017e se jedn\u00e1 o investici, na kterou je t\u0159eba se p\u0159ipravovat dlouhodob\u011b. Nejide\u00e1ln\u011bj\u0161\u00ed \u010das pro zalo\u017een\u00ed spo\u0159en\u00ed pro d\u011bti je ji\u017e po narozen\u00ed d\u00edt\u011bte, &#8222;uvedla \u010eatelinkov\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak pokra\u010dovala \u010eatelinkov\u00e1, v prvn\u00ed \u0159ad\u011b je t\u0159eba si ujasnit c\u00edl spo\u0159en\u00ed. To znamen\u00e1, co chce klient spo\u0159en\u00edm dos\u00e1hnout, od \u010deho\u017e se pak bude odv\u00edjet nejen \u010d\u00e1stka, kterou chce na\u0161et\u0159it, ale i \u010dasov\u00fd horizont, tedy po jak dlouhou dobu pl\u00e1nuje pen\u00edze zhodnocovat a po jak\u00e9m \u010dase si je bude cht\u00edt vybrat. Horizont, \u010dili obdob\u00ed, jak dlouho pl\u00e1nuje investovat, m\u016f\u017ee b\u00fdt individu\u00e1ln\u00ed a je t\u0159eba si ho p\u0159edem promyslet, proto\u017ee pr\u00e1v\u011b od n\u011bj z\u00e1vis\u00ed v\u00fdb\u011br a nastaven\u00ed spo\u0159\u00edc\u00edho \u010di investi\u010dn\u00edho produktu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fle\u017eit\u00fd nen\u00ed pouze \u00farok<br>Na trhu existuje mno\u017estv\u00ed r\u016fzn\u00fdch spo\u0159ic\u00edch produkt\u016f, prost\u0159ednictv\u00edm kter\u00fdch lze spo\u0159it d\u011btem, nap\u0159\u00edklad spo\u0159\u00edc\u00ed programy a \u00fa\u010dty pro d\u011bti, spo\u0159en\u00ed do pod\u00edlov\u00fdch fond\u016f \u010di stavebn\u00ed spo\u0159en\u00ed. Produkty je mo\u017en\u00e9 libovoln\u011b kombinovat, nap\u0159\u00edklad rozlo\u017eit si pen\u011b\u017en\u00ed prost\u0159edky do v\u00edce produkt\u016f podle \u010dasov\u00e9ho horizontu, dlouhodob\u00e9ho a kr\u00e1tkodob\u00e9ho.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"649\" src=\"https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302.jpeg\" alt=\"\" class=\"wp-image-664\" srcset=\"https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302.jpeg 1000w, https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302-300x195.jpeg 300w, https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302-768x498.jpeg 768w, https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302-150x97.jpeg 150w, https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302-696x452.jpeg 696w, https:\/\/krkouni.cz\/wp-content\/uploads\/2021\/10\/father-daughter-beach-sea-38302-647x420.jpeg 647w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">&#8222;Na v\u00fdb\u011br spo\u0159en\u00ed je vhodn\u00e9 si ponechat dostate\u010dn\u00fd \u010das, abyste v\u011bd\u011bli jednotliv\u00e9 nab\u00eddky spo\u0159ic\u00edch produkt\u016f d\u016fkladn\u011b porovnat. Zam\u011b\u0159te se zejm\u00e9na na v\u00fd\u0161ku \u00faroku, kter\u00e1 p\u0159i v\u00fdb\u011bru spo\u0159\u00edc\u00edho produktu sehr\u00e1v\u00e1 nejd\u016fle\u017eit\u011bj\u0161\u00ed roli. Je t\u0159eba porovn\u00e1vat nejen \u010d\u00edseln\u00e9 vyj\u00e1d\u0159en\u00ed \u00faroku, to znamen\u00e1 procentn\u00ed sazbu, ale i to, za jak\u00e9 \u010dasov\u00e9 obdob\u00ed \u00farok banka p\u0159ip\u00ed\u0161e. Pak doporu\u010duji porovnat poplatky a v\u00fdpov\u011bdn\u00ed lh\u016ftu, &#8222;\u0159ekla \u010eatelinkov\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spo\u0159en\u00edm nau\u010d\u00edte d\u011bti finan\u010dn\u00ed gramotnosti<br>Krom\u011b finan\u010dn\u00edho zaji\u0161t\u011bn\u00ed d\u00edt\u011bte je spo\u0159en\u00ed na jeho budoucnost dobr\u00fdm p\u0159\u00edkladem, jak u n\u011bj vybudovat z\u00e1klady finan\u010dn\u00ed gramotnosti. Pokud d\u00edt\u011b vid\u00ed, \u017ee se v rodin\u011b hovo\u0159\u00ed o pen\u011bz\u00edch a pl\u00e1nuj\u00ed se v\u00fddaje, je to z\u00e1klad prevence, jak p\u0159edch\u00e1zet budouc\u00edm finan\u010dn\u00edm probl\u00e9m\u016fm u d\u011bt\u00ed. &#8222;Tady je nesm\u00edrn\u011b d\u016fle\u017eit\u00e1 \u00faloha rodi\u010de, kter\u00fd m\u016f\u017ee na p\u0159\u00edkladu d\u00edt\u011bti vysv\u011btlit, \u017ee pokud si odlo\u017e\u00ed pen\u00edze, kter\u00e9 dostane darem p\u0159i n\u011bjak\u00e9 p\u0159\u00edle\u017eitosti, za ur\u010dit\u00fd \u010das si m\u016f\u017ee naspo\u0159it na finan\u010dn\u011b n\u00e1kladn\u011bj\u0161\u00ed v\u011bc, po kter\u00e9 tou\u017e\u00ed,&#8220; dodala \u010eatelinkov\u00e1.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zalo\u017eit spo\u0159en\u00ed pro d\u00edt\u011b je to nejlep\u0161\u00ed, co m\u016f\u017eete pro jeho budoucnost ud\u011blat. P\u0159edev\u0161\u00edm studium je velkou finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00ed, na kterou je t\u0159eba se p\u0159ipravit. Nab\u00eddka na trhu je v\u0161ak p\u0159\u00edli\u0161 velk\u00e1, proto odbornice rad\u00ed, co si t\u0159eba p\u0159i v\u00fdb\u011bru spo\u0159en\u00ed v\u0161\u00edmat a tak\u00e9 to, kdy je ide\u00e1ln\u00ed \u010das za\u010d\u00edt.P\u0159i spo\u0159en\u00ed pro d\u00edt\u011b je podstatn\u00e1 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":663,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[263],"tags":[],"class_list":["post-662","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rodice"],"_links":{"self":[{"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/posts\/662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/krkouni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=662"}],"version-history":[{"count":2,"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/posts\/662\/revisions"}],"predecessor-version":[{"id":666,"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/posts\/662\/revisions\/666"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/krkouni.cz\/index.php?rest_route=\/wp\/v2\/media\/663"}],"wp:attachment":[{"href":"https:\/\/krkouni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/krkouni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/krkouni.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}