[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.strban.cz\/to-se-vazne-nevyplati\/#Article","mainEntityOfPage":"https:\/\/www.strban.cz\/to-se-vazne-nevyplati\/","headline":"To se v\u00e1\u017en\u011b nevyplat\u00ed","name":"To se v\u00e1\u017en\u011b nevyplat\u00ed","description":"V dne\u0161n\u00ed dob\u011b jsou v\u011bci nastaveny trochu jinak, ne\u017e tomu bylo p\u0159ed des\u00edtkami let. D\u0159\u00edve bylo v\u00fdhodou si zalo\u017eit term\u00ednovan\u00fd","datePublished":"2025-03-05","dateModified":"2023-05-04","author":{"@type":"Person","@id":"https:\/\/www.strban.cz\/author\/#Person","name":"strban.cz\n","url":"https:\/\/www.strban.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0379e0c919e89f337c2f51ff1404922f8441b43281fb91f3719df99f70b9888f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0379e0c919e89f337c2f51ff1404922f8441b43281fb91f3719df99f70b9888f?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"strban.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.strban.cz\/wp-content\/uploads\/img_a300370_w2192_t1510517155.jpg","url":"https:\/\/www.strban.cz\/wp-content\/uploads\/img_a300370_w2192_t1510517155.jpg","height":0,"width":0},"url":"https:\/\/www.strban.cz\/to-se-vazne-nevyplati\/","about":["Finance"],"wordCount":483,"articleBody":"V dne\u0161n\u00ed dob\u011b jsou v\u011bci nastaveny trochu jinak, ne\u017e tomu bylo p\u0159ed des\u00edtkami let. D\u0159\u00edve bylo v\u00fdhodou si zalo\u017eit term\u00ednovan\u00fd vklad, kter\u00fd va\u0161e finance slu\u0161n\u011b zhodnotil. Nebo jste si pen\u00edze vlo\u017eili na spo\u0159ic\u00ed \u00fa\u010det a tak\u00e9 byla radost pohled\u011bt na m\u011bs\u00ed\u010dn\u00ed v\u00fdpis.Bohu\u017eel tato doba pominula. V\u00a0dne\u0161n\u00ed dob\u011b n\u00e1m toti\u017e spo\u0159ic\u00ed \u00fa\u010det nebo term\u00ednovan\u00fd vklad na\u0161e finance vesm\u011bs v\u016fbec nerozmno\u017e\u00ed. Je to v\u00a0podstat\u011b velmi jednoduch\u00e9. Pr\u00e1v\u011b nyn\u00ed jsme v\u00a0\u010dase extr\u00e9mn\u011b n\u00edzk\u00fdch \u00farok\u016f. T\u00edm p\u00e1dem se d\u00e1 \u0159\u00edci, \u017ee m\u00edsto abychom vklad zhodnotili, ud\u011bl\u00e1me prav\u00fd opak a finance znehodnocujeme. \u00a0\tV\u00fdhody a nev\u00fdhody\t\u00a0V\u017edycky a u v\u0161eho se najdou dv\u011b strany hodnocen\u00ed a to je i v\u00a0tomto p\u0159\u00edpadu.Klady:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U spo\u0159ic\u00edch \u00fa\u010dt\u016f je vysok\u00e1 likvidita \u2013 pen\u00edze se daj\u00ed r\u016fzn\u011b vkl\u00e1dat a vyb\u00edrat, pokud podm\u00ednky nejsou stanoveny jinak p\u0159edem, p\u0159i podpisu nebo ve smluvn\u00edch podm\u00ednk\u00e1ch.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u011bt\u0161inou jsou po\u0159\u00edzeny jako vedlej\u0161\u00ed produkt k\u00a0b\u011b\u017en\u00e9mu \u00fa\u010dtu.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 N\u011bkter\u00e9 banky nab\u00edz\u00ed mo\u017enost spo\u0159en\u00ed i v\u00a0ciz\u00ed m\u011bn\u011b.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pen\u00edze v\u00a0bance mus\u00ed b\u00fdt ze z\u00e1kona poji\u0161t\u011bny a to do v\u00fd\u0161e 100\u00a0000 \u20ac, co\u017e pro klienta vypl\u00fdv\u00e1 nulov\u00e9 riziko.Z\u00e1pory:–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00a0sou\u010dasn\u00e9 dob\u011b je bohu\u017eel n\u00edzk\u00fd v\u00fdnos, kter\u00fd nepokr\u00fdv\u00e1 inflaci.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Sr\u00e1\u017ekov\u00e1 da\u0148 \u2013 a ta je ze v\u0161ech zisk\u016f. Plat\u00ed se povinn\u011b a to ve v\u00fd\u0161i 15%. Tuto \u010d\u00e1stku v\u00e1m ode\u010dte banka.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fd\u0161e \u00farok\u016f se bude odv\u00edjet od v\u00fd\u0161e va\u0161\u00ed vlo\u017een\u00e9 \u010d\u00e1stky.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 U term\u00ednovan\u00fdch vklad\u016f je celkem nev\u00fdhodn\u00e1 likvidita. Pen\u00edze mus\u00edte vlo\u017eit a to je\u0161t\u011b m\u00e1te stanoven\u00fd limit, ov\u0161em nesm\u00edte si je po ur\u010ditou dobu vybrat, m\u016f\u017eete pouze vkl\u00e1dat. Samoz\u0159ejm\u011b jsou to va\u0161e finance, tak\u017ee vybrat v\u00a0nutn\u00e9m p\u0159\u00edpadu p\u016fjdou, ov\u0161em vy za to zaplat\u00edte pokutu.–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nenechte se oklamat vysok\u00fdmi \u00faroky na spo\u0159ic\u00edch \u00fa\u010dtech. Banky je toti\u017e uv\u00e1d\u00ed v\u00a0ro\u010dn\u00ed sazb\u011b, ale v\u00e1m se na \u00fa\u010det p\u0159ipisuj\u00ed v\u00a0m\u011bs\u00ed\u010dn\u00ed sazb\u011b, co\u017e je jedna dvan\u00e1ctina \u00faroku a je\u0161t\u011b i tu budete m\u00edt sn\u00ed\u017eenou o sr\u00e1\u017ekovou da\u0148 ve v\u00fd\u0161i 15%.V\u017edy je nejlep\u0161\u00ed se po\u0159\u00e1dn\u011b na v\u0161e zeptat, ne\u017e ud\u011blal un\u00e1hlen\u00fd krok. Bankovn\u00ed poradce by v\u00e1m m\u011bl pravdiv\u011b odpov\u011bd\u011bt na va\u0161e dotazy a p\u0159\u00edpadn\u011b navrhnout pro v\u00e1s n\u011bjak\u00e9 \u0159e\u0161en\u00ed.Ot\u00e1zkou je, zdali by nebylo lep\u0161\u00ed investovat do jin\u00fdch zdroj\u016f, v\u011bc\u00ed nebo dal\u0161\u00edch jin\u00fdch mo\u017enost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"To se v\u00e1\u017en\u011b nevyplat\u00ed","item":"https:\/\/www.strban.cz\/to-se-vazne-nevyplati\/#breadcrumbitem"}]}]