[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bjolly.cz\/je-skutecne-setreni-efektivni\/#Article","mainEntityOfPage":"https:\/\/www.bjolly.cz\/je-skutecne-setreni-efektivni\/","headline":"Je skute\u010dn\u011b \u0161et\u0159en\u00ed efektivn\u00ed?","name":"Je skute\u010dn\u011b \u0161et\u0159en\u00ed efektivn\u00ed?","description":"Kdo z n\u00e1s by si necht\u011bl \u0161et\u0159it. A\u0165 u\u017e na nov\u00e9 auto, dovolenou, zalo\u017een\u00ed vlastn\u00ed spole\u010dnosti, svatbu nebo jenom i n\u011bjakou jinou v\u011bc, na kterou se t\u011b\u0161il. \u0160et\u0159\u00edme na rozli\u010dn\u00e9 v\u011bci, av\u0161ak \u0161et\u0159\u00edme skute\u010dn\u011b efektivn\u011b? To je prvn\u00ed ot\u00e1zka, na kterou bychom se m\u011bli v\u0161ichni zeptat, proto\u017ee ne v\u017edycky to efektivn\u00ed je. Jen si vezm\u011bte […]","datePublished":"2018-07-06","dateModified":"2018-07-06","author":{"@type":"Person","@id":"https:\/\/www.bjolly.cz\/author\/#Person","name":"","url":"https:\/\/www.bjolly.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bjolly.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bjolly.cz\/wp-content\/uploads\/img_a324413_w2489_t1536218986.jpg","url":"https:\/\/www.bjolly.cz\/wp-content\/uploads\/img_a324413_w2489_t1536218986.jpg","height":0,"width":0},"url":"https:\/\/www.bjolly.cz\/je-skutecne-setreni-efektivni\/","wordCount":457,"articleBody":"Kdo z n\u00e1s by si necht\u011bl \u0161et\u0159it. A\u0165 u\u017e na nov\u00e9 auto, dovolenou, zalo\u017een\u00ed vlastn\u00ed spole\u010dnosti, svatbu nebo jenom i n\u011bjakou jinou v\u011bc, na kterou se t\u011b\u0161il. \u0160et\u0159\u00edme na rozli\u010dn\u00e9 v\u011bci, av\u0161ak \u0161et\u0159\u00edme skute\u010dn\u011b efektivn\u011b? To je prvn\u00ed ot\u00e1zka, na kterou bychom se m\u011bli v\u0161ichni zeptat, proto\u017ee ne v\u017edycky to efektivn\u00ed je. Jen si vezm\u011bte inflaci. Skoro sprost\u00e9 slovo, kter\u00fdm se oh\u00e1n\u011bj\u00ed v\u0161ichni, ale m\u00e1lokdo skute\u010dn\u011b v\u00ed, co to znamen\u00e1. P\u011bkn\u011b jednodu\u0161e inflace znamen\u00e1, \u017ee se hodnota va\u0161eho majetku neust\u00e1le sni\u017euje. Samoz\u0159ejm\u011b, je to p\u0159eci jen trochu slo\u017eit\u011bj\u0161\u00ed proces. V r\u00e1mci na\u0161eho kr\u00e1tk\u00e9ho pov\u00edd\u00e1n\u00ed v\u0161ak nemus\u00edme rozv\u00e1d\u011bt v\u00edce. Ka\u017ed\u00fd rok ztrat\u00ed v\u00e1\u0161 majetek t\u0159i procenta z hodnoty. Pokud tedy m\u00e1te celkov\u00fd majetek v hodnot\u011b jednoho milionu korun, tak t\u0159i procenta \u010din\u00ed t\u0159icet tis\u00edc korun. Ka\u017ed\u00fd rok se ztrat\u00ed nezn\u00e1mo kam. N\u011bjak\u00e9 t\u0159i procenta, \u0159\u00edk\u00e1te si, co to je. Jenom\u017ee jakmile si to za\u010dnete p\u0159edstavovat s \u010d\u00edslicemi, je to trochu hor\u0161\u00ed. Dejme tomu, \u017ee ka\u017ed\u00fd m\u011bs\u00edc uspo\u0159\u00edte n\u011bjak\u00e9 t\u0159i tis\u00edce, kter\u00e9 si ulo\u017e\u00edte na \u00fa\u010det. Ka\u017ed\u00fd rok jejich hodnota kles\u00e1. St\u00e1le tam budete m\u00edt t\u0159i tis\u00edce, ale jejich hodnota bude hned o devades\u00e1t korun men\u0161\u00ed. To znamen\u00e1, \u017ee si ka\u017ed\u00fd rok koup\u00edte o devades\u00e1t korun m\u00e9n\u011b v\u011bc\u00ed. Jsou to v\u0161echno mal\u00e9 po\u010dty Ale po\u010dty nejvy\u0161\u0161\u00edho v\u00fdznamu. Jen si vezm\u011bte, \u017ee za p\u011bt let v\u00e1\u0161 majetek bude o patn\u00e1ct procent ni\u017e\u0161\u00ed (pokud tedy neinvestujete nebo nevyd\u011bl\u00e1v\u00e1te tolik, \u017ee v\u00e1m to pokryje jak rostouc\u00ed inflaci, tak va\u0161i vlastn\u00ed spot\u0159ebu). A to u\u017e je p\u011bkn\u011b velik\u00e9 \u010d\u00edslo. Jde n\u00e1m o to, \u017ee \u010dlov\u011bk mus\u00ed \u0161et\u0159it DOB\u0158E. Pen\u00edze by nikdy nem\u011bly le\u017eet na \u00fa\u010dtu, ostatn\u011b  v\u00e1m o tom \u0159ekne mnohem v\u00edce. I kupov\u00e1n\u00ed oleje do z\u00e1soby je sv\u00fdm zp\u016fsobem \u0161et\u0159en\u00ed. Nam\u00edsto toho, abyste kupovali \u010d\u00edm d\u00e1l dra\u017e\u0161\u00ed olej, koup\u00edte jej najednou ve velk\u00e9m. V \u0161ir\u0161\u00edm \u010dasov\u00e9m horizontu tak u\u0161et\u0159\u00edte t\u0159eba p\u00e1r stovek jenom za olej. A to u\u017e n\u011bco znamen\u00e1. Pen\u00edze by se ale m\u011bly ot\u00e1\u010det tak\u00e9 samy \u2013 m\u011bli byste investovat a zaj\u00edmat se tak\u00e9, jak m\u016f\u017eete co mo\u017en\u00e1 nejl\u00e9pe odol\u00e1vat inflaci.                                                                                                                                                                                                                                                                                                                                                                                        3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je skute\u010dn\u011b \u0161et\u0159en\u00ed efektivn\u00ed?","item":"https:\/\/www.bjolly.cz\/je-skutecne-setreni-efektivni\/#breadcrumbitem"}]}]