[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zasekni.cz\/pry-spatne-sporime\/#Article","mainEntityOfPage":"https:\/\/www.zasekni.cz\/pry-spatne-sporime\/","headline":"Pr\u00fd \u0161patn\u011b spo\u0159\u00edme","name":"Pr\u00fd \u0161patn\u011b spo\u0159\u00edme","description":"V\u011bt\u0161inou to pr\u00fd v\u00a0na\u0161ich dom\u00e1cnostech vyjde tak, \u017ee n\u00e1m z\u00a0p\u0159\u00edjm\u016f alespo\u0148 n\u011bjak\u00e1 ta koruna zbyde. A nejednou jsme schopni ukl\u00e1dat si na hor\u0161\u00ed \u010dasy nejenom drobn\u00e9, ale i docela slu\u0161n\u00e9 pen\u00edze. Ov\u0161em na\u0161e sm\u016fla spo\u010d\u00edv\u00e1 v\u00a0tom, \u017ee s\u00a0takov\u00fdmi \u00fasporami neum\u00edme vesm\u011bs nakl\u00e1dat a proto n\u00e1m hodnota naspo\u0159en\u00fdch \u010d\u00e1stek postupem \u010dasu kles\u00e1. Na vin\u011b tomuto neradostn\u00e9mu ... <a href=\"https:\/\/www.zasekni.cz\/pry-spatne-sporime\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Pr\u00fd \u0161patn\u011b spo\u0159\u00edme\"<\/span> &raquo;<\/a>","datePublished":"2023-06-12","dateModified":"2023-06-12","author":{"@type":"Person","@id":"https:\/\/www.zasekni.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zasekni.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zasekni.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zasekni.cz\/wp-content\/uploads\/img_a339521_w2691_t1552742932.png","url":"https:\/\/www.zasekni.cz\/wp-content\/uploads\/img_a339521_w2691_t1552742932.png","height":0,"width":0},"url":"https:\/\/www.zasekni.cz\/pry-spatne-sporime\/","wordCount":609,"articleBody":"V\u011bt\u0161inou to pr\u00fd v\u00a0na\u0161ich dom\u00e1cnostech vyjde tak, \u017ee n\u00e1m z\u00a0p\u0159\u00edjm\u016f alespo\u0148 n\u011bjak\u00e1 ta koruna zbyde. A nejednou jsme schopni ukl\u00e1dat si na hor\u0161\u00ed \u010dasy nejenom drobn\u00e9, ale i docela slu\u0161n\u00e9 pen\u00edze. Ov\u0161em na\u0161e sm\u016fla spo\u010d\u00edv\u00e1 v\u00a0tom, \u017ee s\u00a0takov\u00fdmi \u00fasporami neum\u00edme vesm\u011bs nakl\u00e1dat a proto n\u00e1m hodnota naspo\u0159en\u00fdch \u010d\u00e1stek postupem \u010dasu kles\u00e1.Na vin\u011b tomuto neradostn\u00e9mu zji\u0161t\u011bn\u00ed je pr\u00fd to, \u017ee vesm\u011bs dr\u017e\u00edme sv\u00e9 \u00faspory na nev\u00fdhodn\u00fdch b\u011b\u017en\u00fdch \u00fa\u010dtech, kde jsou tyto \u00faro\u010deny jen miziv\u011b, ba nejednou v\u016fbec.Jsme tak mezi Evropany zn\u00e1m\u00ed coby spo\u0159\u00edlci, n\u011bjak\u00e9 \u00fapory m\u00e1 v\u011bt\u0161ina na\u0161ich dom\u00e1cnost\u00ed a v\u00a0sou\u010dasnosti tak m\u00e1me v\u00a0bank\u00e1ch u\u017e skoro dva a p\u016fl bilionu korun.Nej\u010dast\u011bji pr\u00fd na\u0161inci ukl\u00e1daj\u00ed m\u011bs\u00ed\u010dn\u011b sto korun a\u017e p\u011btistovku, a to ve \u010dtvrtin\u011b p\u0159\u00edpad\u016f, ka\u017ed\u00fd p\u00e1t\u00fd pr\u00fd si ukl\u00e1d\u00e1 m\u011bs\u00ed\u010dn\u011b od p\u011bti set do tis\u00edce, stejn\u00fd po\u010det jednu a\u017e dv\u011b tis\u00edcovky a t\u0159i procenta z\u00a0n\u00e1s dokonce i v\u00edc ne\u017e deset tis\u00edc.Pokud pak pro n\u00e1s plat\u00ed je\u0161t\u011b n\u011bco, je to to, \u017ee se sv\u00fdmi \u00fasporami vesm\u011bs nejsme spokojeni a chceme kv\u016fli tomu spo\u0159it v\u00edc, co\u017e ale nejednou z\u016fstane v\u00a0kone\u010dn\u00e9m d\u016fsledku jen v\u00a0rovin\u011b zbo\u017en\u00fdch p\u0159\u00e1n\u00ed. Ve srovn\u00e1n\u00ed s\u00a0lo\u0148skem by si cht\u011bli v\u00edc naspo\u0159it hlavn\u011b na\u0161inci ve v\u011bku do dev\u011btadvaceti let.D\u016fvodem, pro\u010d si n\u011bjak\u00e9 pen\u00edze odkl\u00e1d\u00e1me, je p\u0159edev\u0161\u00edm touha m\u00edt rezervu na mo\u017en\u00e9 hor\u0161\u00ed \u010dasy, co\u017e je n\u00e1zor t\u0159iceti procent na\u0161inc\u016f. D\u00e1le ukl\u00e1d\u00e1 sedmina z\u00a0n\u00e1s proto, aby m\u011bla na p\u0159\u00edpadn\u00e9 ne\u010dekan\u00e9 v\u00fddaje, a jin\u00e1 sedmina \u0161et\u0159\u00ed na bydlen\u00ed. Dost je ale i t\u011bch, kdo tak \u010din\u00ed bezd\u016fvodn\u011b. Na finan\u010dn\u00ed rezerv\u011b z\u00e1le\u017e\u00ed zejm\u00e9na lidem ve v\u011bku t\u0159icet a\u017e \u010dty\u0159ia\u010dty\u0159icet let, mlad\u0161\u00ed ro\u010dn\u00edky si \u0161et\u0159\u00ed na bydlen\u00ed a hobby, lid\u00e9 od p\u011bta\u010dty\u0159ic\u00edtky naopak sp\u00ed\u0161e na d\u016fchod, nenad\u00e1l\u00e9 v\u00fddaje nebo prost\u011b pro str\u00fd\u010dka P\u0159\u00edhodu.Prost\u011b chceme m\u00edt alespo\u0148 v\u00a0r\u00e1mci mo\u017enost\u00ed sv\u00e9 jist\u00e9. A tud\u00ed\u017e spo\u0159\u00edme. Ov\u0161em vesm\u011bs nezodpov\u011bdn\u011b, proto\u017ee n\u011bjak\u00fdch p\u011btasedmdes\u00e1t procent na\u0161inc\u016f v\u00e1l\u00ed \u00faspory na on\u011bch nev\u00fdhodn\u00fdch b\u011b\u017en\u00fdch \u00fa\u010dtech, kde hodnotu \u00faspor pomalu po\u017e\u00edr\u00e1 inflace.D\u00e1le si tak\u00e9 \u010dasto pos\u00edl\u00e1me pen\u00edze na spo\u0159en\u00ed na penzi, a to do transformovan\u00fdch nebo \u00fa\u010dastnick\u00fdch fond\u016f, co\u017e \u010din\u00ed p\u011bta\u010dty\u0159icet procent na\u0161inc\u016f.A daleko men\u0161\u00ed po\u010dty lid\u00ed si spo\u0159\u00ed i na spo\u0159ic\u00edch \u00fa\u010dtech \u010di formou stavebn\u00edho spo\u0159en\u00ed, a v\u00edc ne\u017e \u010dtvrtina z\u00a0n\u00e1s si odkl\u00e1d\u00e1 pen\u00edze u sebe doma.Tak\u017ee jsme pr\u00fd v podstat\u011b chyt\u0159\u00ed hlup\u00e1ci, kte\u0159\u00ed moud\u0159e \u0161et\u0159\u00ed, ale vol\u00ed vesm\u011bs hloup\u00fd zp\u016fsob, jak tak \u010dinit.S\u00a0t\u011bmi hlup\u00e1ky ale j\u00e1 osobn\u011b nesouhlas\u00edm. Proto\u017ee na b\u011b\u017en\u00fdch \u00fa\u010dtech sice lidem \u010d\u00e1st \u00faspor se\u017eere inflace, ale je to podle mne v\u017edy lep\u0161\u00ed ne\u017e podle p\u0159\u00e1n\u00ed mocn\u00fdch investovat. Do n\u011b\u010deho, z\u00a0\u010deho u\u017e se n\u00e1m nemus\u00ed vr\u00e1tit ani koruna.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pr\u00fd \u0161patn\u011b spo\u0159\u00edme","item":"https:\/\/www.zasekni.cz\/pry-spatne-sporime\/#breadcrumbitem"}]}]