[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rpic.sk\/financna-zabezpeka-ktora-vydrzi-roky\/#Article","mainEntityOfPage":"https:\/\/www.rpic.sk\/financna-zabezpeka-ktora-vydrzi-roky\/","headline":"Finan\u010dn\u00e1 z\u00e1bezpeka, ktor\u00e1 vydr\u017e\u00ed roky","name":"Finan\u010dn\u00e1 z\u00e1bezpeka, ktor\u00e1 vydr\u017e\u00ed roky","description":"Ka\u017ed\u00fd by mal ma\u0165 ist\u00fa formu finan\u010dnej z\u00e1bezpeky do bud\u00facnosti v pr\u00edpade nepriazniv\u00fdch procesov v...","datePublished":"2024-02-12","dateModified":"2024-03-12","author":{"@type":"Person","@id":"https:\/\/www.rpic.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.rpic.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4e1219daed488a40aaae5f3a36d7a332441b6e7a97d465811f6633d3359f64e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rpic.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rpic.sk\/wp-content\/uploads\/piggy-bank-2889046_1280_3.jpg","url":"https:\/\/www.rpic.sk\/wp-content\/uploads\/piggy-bank-2889046_1280_3.jpg","height":0,"width":0},"url":"https:\/\/www.rpic.sk\/financna-zabezpeka-ktora-vydrzi-roky\/","about":["N\u00e1kupy"],"wordCount":419,"articleBody":"      Ka\u017ed\u00fd by mal ma\u0165 ist\u00fa formu finan\u010dnej z\u00e1bezpeky do bud\u00facnosti v pr\u00edpade nepriazniv\u00fdch procesov v ekonomike. M\u00e1te aj vy svoju finan\u010dn\u00fa rezervu? Vytvorenie finan\u010dnej rezervy m\u00f4\u017ee by\u0165 pre niekoho n\u00e1ro\u010dnej\u0161ie. Vybra\u0165 si z aktu\u00e1lneho portf\u00f3lia b\u00e1nk a r\u00f4znych nebankov\u00fdch spolo\u010dnost\u00ed m\u00f4\u017ee by\u0165 \u0165a\u017ek\u00e9. O to \u0165a\u017e\u0161ie sa rezervy vytv\u00e1raj\u00fa o \u010do men\u0161\u00ed je pr\u00edjem jednotlivca. Ako je teda mo\u017en\u00e9 vytv\u00e1ra\u0165 si finan\u010dn\u00fa rezervu bez vy\u0161\u0161ieho n\u00e1roku na financie z rodinn\u00e9ho rozpo\u010dtu?Jednou z mo\u017enost\u00ed ako za\u010da\u0165 \u0161etri\u0165 je samozrejme odklada\u0165 si peniaze doma. M\u00e1 to ale jednu nev\u00fdhodu: \u010co je doma to sa po\u010d\u00edta…. A tak v pr\u00edpade do\u010dasnej nepriaznivej finan\u010dnej situ\u00e1cie je pravdepodobn\u00e9, \u017ee na tieto prostriedky siahneme. Takto sa op\u00e4\u0165 dost\u00e1vame na za\u010diatok cesty av\u0161ak t\u00fa\u017een\u00fd efekt nevid\u00edme. Banky pon\u00fakaj\u00fa mno\u017estvo sporiacich, term\u00ednovan\u00fdch \u010di podobn\u00fdch \u00fa\u010dtov ako rie\u0161enie pre zabezpe\u010denie do bud\u00facnosti. Z\u00e1kladom je ale neh\u00fdba\u0165 s peniazmi a pravidelnos\u0165. Dobre vieme ako vyzer\u00e1 n\u00e1\u0161 be\u017en\u00fd mesiac a \u010di sme schopn\u00fd t\u00fdch p\u00e1r eur ka\u017ed\u00fd mesiac o\u017eelie\u0165 a vlo\u017ei\u0165 na \u00fa\u010det. Niekedy hlavne pri nepredv\u00eddan\u00fdch udalostiach je to bohu\u017eia\u013e nemo\u017en\u00e9 a vtedy nast\u00e1va probl\u00e9m. Nehovoriac o tom, \u017ee ak vyberieme na\u0161etren\u00e9 prostriedky pred dohodnut\u00fdm term\u00ednom, str\u00e1came zaroben\u00e9 \u00faroky. Teda ani t\u00e1to verzia investovania nie je pre ka\u017ed\u00e9ho. V inom pr\u00edpade je mo\u017en\u00e9 zamera\u0165 sa celkom in\u00fdm smerom. A to je n\u00e1kupom komod\u00edt, ktor\u00fdch hodnota rastie a s \u0148ou aj na\u0161e invest\u00edcie. Nemus\u00edte by\u0165 pritom ostrie\u013ean\u00fd burzov\u00fd makl\u00e9r. Hovor\u00ed sa: Pomaly \u010falej z\u00e1jde\u0161. V investovan\u00ed bez praktick\u00fdch sk\u00fasenost\u00ed je to pravdou dvojn\u00e1sobne. Rozhodne vol\u00edme istej\u0161ie invest\u00edcie ako napr\u00edklad k\u00fapu a predaj investi\u010dn\u00e9ho zlata Goldvault. Je to hodnota ktor\u00e1 prekonala storo\u010dia a neust\u00e1le rastie. Na n\u00e1kup nepotrebujeme vysok\u00fd vstupn\u00fd kapit\u00e1l a nakupujeme pod\u013ea na\u0161ich aktu\u00e1lnych preferenci\u00ed a mo\u017enost\u00ed. Nie sme ni\u010d\u00edm viazan\u00fd a preto je t\u00e1to forma finan\u010dnej z\u00e1bezpeky vhodn\u00e1 naozaj pre ka\u017ed\u00e9ho. Spolo\u010dnosti ako Gold Valut pon\u00fakaj\u00fa \u0161irok\u00e9 portf\u00f3lio pr\u00e1ve na tieto \u00fa\u010dely.                                                                                                                                                                                                                                                                                                                                                                                           4\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00e1 z\u00e1bezpeka, ktor\u00e1 vydr\u017e\u00ed roky","item":"https:\/\/www.rpic.sk\/financna-zabezpeka-ktora-vydrzi-roky\/#breadcrumbitem"}]}]