[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cello-ilc.cz\/myslite-na-duchod\/#Article","mainEntityOfPage":"https:\/\/www.cello-ilc.cz\/myslite-na-duchod\/","headline":"Mysl\u00edte na d\u016fchod","name":"Mysl\u00edte na d\u016fchod","description":"Hlavn\u00ed ohro\u017eenou skupinou je mlad\u00e1 generace. Pro\u010d? Proto\u017ee v dne\u0161n\u00edm sv\u011bt\u011b je mnoho l\u00e1kadel a ne\u0159est\u00ed, kter\u00e9 si mlad\u00ed lid\u00e9 s oblibou dop\u0159\u00e1vaj\u00ed. \u010casto \u0159\u00edkaj\u00ed, \u017ee je na to je\u0161t\u011b \u010das nebo se t\u00edm v\u016fbec nezaob\u00edraj\u00ed. Spr\u00e1vn\u011b by ale m\u011bly \u0161et\u0159it na zadn\u00ed kole\u010dka. St\u00e1\u0159\u00ed ka\u017ed\u00e9ho z n\u00e1s do\u017eene, a je jasn\u00e9 \u017ee st\u00e1t n\u00e1m...","datePublished":"2023-05-17","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.cello-ilc.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cello-ilc.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/87007d43bbcef3c87926bba9082d96a1a8da6f7ae55b1546f5f58a5e10d8ed12?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cello-ilc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cello-ilc.cz\/wp-content\/uploads\/img_a322795_w2204_t1534567213.jpg","url":"https:\/\/www.cello-ilc.cz\/wp-content\/uploads\/img_a322795_w2204_t1534567213.jpg","height":0,"width":0},"url":"https:\/\/www.cello-ilc.cz\/myslite-na-duchod\/","wordCount":471,"articleBody":"Hlavn\u00ed ohro\u017eenou skupinou je mlad\u00e1 generace. Pro\u010d? Proto\u017ee v dne\u0161n\u00edm sv\u011bt\u011b je mnoho l\u00e1kadel a ne\u0159est\u00ed, kter\u00e9 si mlad\u00ed lid\u00e9 s oblibou dop\u0159\u00e1vaj\u00ed. \u010casto \u0159\u00edkaj\u00ed, \u017ee je na to je\u0161t\u011b \u010das nebo se t\u00edm v\u016fbec nezaob\u00edraj\u00ed. Spr\u00e1vn\u011b by ale m\u011bly \u0161et\u0159it na zadn\u00ed kole\u010dka. St\u00e1\u0159\u00ed ka\u017ed\u00e9ho z n\u00e1s do\u017eene, a je jasn\u00e9 \u017ee st\u00e1t n\u00e1m moc pen\u011bz ned\u00e1. Lid\u00e9 v produktivn\u00edm v\u011bku si za\u010d\u00ednaj\u00ed \u0161et\u0159it pozd\u011b, kolem 40-t\u00e9 ho roku \u017eivota.
 
  
 
 Mnoz\u00ed z n\u00e1s si \u0161et\u0159\u00ed u penzijn\u00edch spole\u010dnost\u00ed, jin\u00ed ale necht\u011bj\u00ed d\u00edvat ur\u010ditou \u010d\u00e1stku ka\u017ed\u00fd m\u011bs\u00edc finan\u010dn\u00ed spole\u010dnosti jen proto, \u017ee mysl\u00ed, \u017ee nemaj\u00ed dost pen\u011bz na to, aby platili poplatky. Bohu\u017eel, toto nen\u00ed pravda. Spole\u010dnosti jsou limitov\u00e1ny v n\u00e1kladech z\u00e1konem a t\u00edm, pat\u0159\u00ed mezi nejlevn\u011bj\u0161\u00ed finan\u010dn\u00ed produkt. N\u011bkte\u0159\u00ed jedinci tak\u00e9 zast\u00e1vaj\u00ed n\u00e1zor, \u017ee u n\u011bjak\u00fdch spole\u010dnost\u00ed nejsou jejich \u00faspory v bezpe\u010d\u00ed. V dne\u0161n\u00ed dob\u011b ale toto nen\u00ed jedin\u00e1 mo\u017enost, jak si na st\u00e1\u0159i spo\u0159it.
 
  
 
 JIN\u00c9 MO\u017dNOSTI
 
  
 
 Jako dal\u0161\u00ed mo\u017enost spo\u0159en\u00ed se nab\u00edz\u00ed stavebn\u00ed spo\u0159en\u00ed. Stavebn\u00ed spo\u0159en\u00ed se doporu\u010duje lidem, kte\u0159\u00ed jsou schopn\u00ed investovat \u010d\u00e1stku minim\u00e1ln\u011b 12 000 K\u010d ro\u010dn\u011b, a to po dobu \u0161esti let. Tak\u00e9 pat\u0159\u00ed mezi jednoduch\u00fd finan\u010dn\u00ed produkt. Nemus\u00edte dokl\u00e1dat, jak s pen\u011bzi nalo\u017e\u00edte. D\u00e1l v nab\u00eddce tu m\u00e1me \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Tady u\u017e je to tro\u0161ku slo\u017eit\u011bj\u0161\u00ed, proto\u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se d\u011bl\u00ed na dva druhy. Investi\u010dn\u00ed poji\u0161t\u011bn\u00ed a rizikov\u00e9 poji\u0161t\u011bn\u00ed. Nejlep\u0161\u00ed je tuto nab\u00eddku uzav\u0159\u00edt co nejd\u0159\u00edve, vzhledem k tomu, \u017ee kolem 50-t\u00e9 ho roku \u017eivota p\u0159ib\u00fdvaj\u00ed zdravotn\u00ed rizika. Jako dal\u0161\u00ed mo\u017enost se tu jev\u00ed koup\u011b nemovitosti. Nemovitost m\u016f\u017eete d\u00e1le pronaj\u00edmat nebo pokud u\u017e pronaj\u00edmat nechcete, tak se d\u00e1 jednor\u00e1zov\u011b prodat a budete z n\u00ed m\u00edt finance, kter\u00fdmi si v d\u016fchodu p\u0159ilep\u0161\u00edte. Jestli\u017ee chcete do n\u011b\u010deho investovat tak v\u00e1m porad\u00edm, abyste vlo\u017eili pen\u00edze nap\u0159\u00edklad do akci\u00ed. Akcie jsou sice rizikov\u00e1 ale slibuj\u00ed p\u0159i dlouhodob\u00e9m investov\u00e1n\u00ed zaj\u00edmav\u00e9 \u010d\u00e1stky. Pokud si sami netrouf\u00e1te na obchodov\u00e1n\u00ed s cenn\u00fdmi pap\u00edry, tak se daj\u00ed akcie nakupovat pomoc\u00ed makl\u00e9\u0159e.
 
  
 
 Mo\u017enost\u00ed, jak spo\u0159it je necel\u00e1 \u0159ada a nejsou tu zm\u00edn\u011bny v\u0161echny. M\u016f\u017eeme nap\u0159\u00edklad investovat do um\u011bn\u00ed nebo i do zlata. Ka\u017edop\u00e1dn\u011b nenech\u00e1vejte nic n\u00e1hod\u011b a u\u017e te\u010f si za\u010dn\u011bte \u0161et\u0159it.
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