[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nasceskyraj.cz\/velky-prehled-aktualnich-produktu-pro-zhodnoceni-penez\/#Article","mainEntityOfPage":"https:\/\/www.nasceskyraj.cz\/velky-prehled-aktualnich-produktu-pro-zhodnoceni-penez\/","headline":"Velk\u00fd p\u0159ehled aktu\u00e1ln\u00edch produkt\u016f pro zhodnocen\u00ed pen\u011bz","name":"Velk\u00fd p\u0159ehled aktu\u00e1ln\u00edch produkt\u016f pro zhodnocen\u00ed pen\u011bz","description":"Data z\u00a0kv\u011btna roku 2019 jasn\u011b ukazuj\u00ed, \u017ee meziro\u010dn\u00ed inflace dos\u00e1hla hodnoty 2,9 %. Na b\u011b\u017en\u00e9m spo\u0159\u00edc\u00edm \u00fa\u010dtu v\u0161ak dostaneme kolem 1 % ro\u010dn\u011b. Znamen\u00e1 to,...","datePublished":"2019-08-19","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.nasceskyraj.cz\/author\/#Person","name":"nasceskyraj.cz\n","url":"https:\/\/www.nasceskyraj.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4006af731f458a56e90e1a4ecbb37f08f11b51b80cb9267b6a6e5547922ff49d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nasceskyraj.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nasceskyraj.cz\/wp-content\/uploads\/img_a351649_w2266_t1566131962.jpg","url":"https:\/\/www.nasceskyraj.cz\/wp-content\/uploads\/img_a351649_w2266_t1566131962.jpg","height":0,"width":0},"url":"https:\/\/www.nasceskyraj.cz\/velky-prehled-aktualnich-produktu-pro-zhodnoceni-penez\/","about":["Finance"],"wordCount":487,"articleBody":"Data z\u00a0kv\u011btna roku 2019 jasn\u011b ukazuj\u00ed, \u017ee meziro\u010dn\u00ed inflace dos\u00e1hla hodnoty 2,9 %. Na b\u011b\u017en\u00e9m spo\u0159\u00edc\u00edm \u00fa\u010dtu v\u0161ak dostaneme kolem 1 % ro\u010dn\u011b. Znamen\u00e1 to, \u017ee na\u0161e jsou na\u0161e \u00faspory negradov\u00e1ny. C\u00edlem tohoto \u010dl\u00e1nku je tedy naj\u00edt produkt, kter\u00fd by se n\u00e1m v\u00edce vyplatil. V\u00a0tomto p\u0159\u00edpad\u011b budeme investovat \u010d\u00e1stku 100\u00a0000 korun.1.\u00a0\u00a0\u00a0 Term\u00ednovan\u00e9 vklady: smlouvy se uzav\u00edraj\u00ed na dobu ur\u010ditou, v\u011bt\u0161inou si lze vybrat z\u00a0p\u016fl roku, roku a\u017e n\u011bkolika let. Obecn\u011b plat\u00ed \u010d\u00edm d\u00e9le nech\u00e1me pen\u00edze le\u017eet, t\u00edm vy\u0161\u0161\u00ed bude \u00farok.\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Spo\u0159iteln\u00ed dru\u017estvo Neym\u00e1 nyn\u00ed nab\u00eddku na 2,8 % na 1 rok p\u0159i \u00faroku p\u0159ipsan\u00e9m na konci vkladu nebo 2,6 % na 1 rok p\u0159i \u00faroku p\u0159ipisovan\u00e9m m\u011bs\u00ed\u010dn\u011b. Dle v\u00fdpo\u010dt\u016f je to v\u00a0prvn\u00edm p\u0159\u00edpad\u011b 2380 nebo 2236 korun po zdan\u011bn\u00ed. Plat\u00ed se zde ale \u010dlensk\u00fd poplatek ve v\u00fd\u0161i 1000 korun a pot\u00e9 se aplikuje pravidlo 1:10. Pro zhodnocen\u00ed na\u0161ich 100\u00a0000 tedy mus\u00edme zaplatit dal\u0161\u00edch 11\u00a0000 korun.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Srovnateln\u00fd \u00farok 2,7 % nab\u00edz\u00ed i J&T Banka, ale u n\u00ed mus\u00edte b\u00fdt pr\u00e9miov\u00fdm \u010dlenem \u2013 tj. m\u00edt alespo\u0148 500\u00a0000 v\u00fd\u0161i aktiv.Nicm\u00e9n\u011b tyto produkty n\u00e1m nepokryj\u00ed ani zm\u00edn\u011bnou inflaci.2.\u00a0\u00a0\u00a0 Dluhopisy: p\u016fj\u010dov\u00e1n\u00ed financ\u00ed bu\u010f vl\u00e1d\u00e1m nebo korporac\u00edm.\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00a0oblasti korpor\u00e1tn\u00edch dluhopis\u016f je v\u00a0prim\u00e1rn\u00edm postaven\u00ed banka Creditas. Zde je mo\u017en\u00e9 p\u016fj\u010dit pen\u00edze na dobu 3, 5 nebo 7 let s\u00a0p\u0159\u00edslu\u0161n\u00fdmi \u00faroky 3,8; 4,7 a 5,5 % ro\u010dn\u011b. Pro t\u0159\u00edlet\u00e9 obdob\u00ed je to 3230 ro\u010dn\u011b k\u00a0dobru.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Tak\u00e9 ji\u017e zm\u00edn\u011bn\u00e1 J&T Banka m\u00e1 p\u011bkn\u00fd seznam tohoto druhu cenn\u00fdch pap\u00edr\u016f s \u00faroky v rozsahu od 0,45 \u2013 6,45 %. V\u0161echny se obchoduj\u00ed skrz Pra\u017ekou burzu.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0 Co se t\u00fdk\u00e1 st\u00e1tn\u00edch dluhopis\u016f, \u010cesk\u00e1 republika m\u00e1 jednu z\u00a0nejni\u017e\u0161\u00ed v\u00fdnosnosti na sv\u011bt\u011b.V\u00a0t\u00e9to oblasti m\u016f\u017eeme dos\u00e1hnout zaj\u00edmav\u011bj\u0161\u00edch v\u00fdsledk\u016f.3.\u00a0\u00a0\u00a0 Pod\u00edlov\u00e9 fondy:Jsou velmi popul\u00e1rn\u00ed, tak\u017ee je nab\u00edz\u00ed snad ka\u017ed\u00e1 banka. V\u011bt\u0161inou si n\u011bkde na internetu m\u016f\u017eete dohledat v\u00fdkon jednotliv\u00fdch fond\u016f za posledn\u00ed rok a srovnat tak n\u011bkolik bank. Tento zp\u016fsob v\u0161ak nezaru\u010duje konzistentn\u00ed v\u00fdsledky, n\u011bkter\u00e9 fondy tak\u00e9 prod\u011bl\u00e1vaj\u00ed. Oproti obchodov\u00e1n\u00ed na burze na vlastn\u00ed p\u011bst v\u00e1m v\u0161ak nevyplat\u00ed dividendy.Z\u00e1v\u011brem lze tedy \u0159\u00edci, \u017ee a\u010dkoli jsou u n\u00e1s n\u011bkter\u00e9 zaj\u00edmav\u00e9 produkty pro zhodnocen\u00ed \u00faspor. Mo\u017en\u00e1 by bylo vhodn\u00e9 se pod\u00edvat i za hranice na\u0161\u00ed zem\u011b pro mnohem l\u00e1kav\u011bj\u0161\u00ed nab\u00eddky.                                                                                                                                                                                                                                                                                                                                                                                        3.3\/5 - (12 votes)                                                        Jak bude reklama vypadat? -           Kup si reklamu pod t\u00edmto \u010dl\u00e1nkem jen za 50 K\u010d      Zobrazit formul\u00e1\u0159 pro n\u00e1kup                      Odkaz:                     N\u00e1zev:                     Popisek:                    Follow Nofollow                                                     "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Velk\u00fd p\u0159ehled aktu\u00e1ln\u00edch produkt\u016f pro zhodnocen\u00ed pen\u011bz","item":"https:\/\/www.nasceskyraj.cz\/velky-prehled-aktualnich-produktu-pro-zhodnoceni-penez\/#breadcrumbitem"}]}]