[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dogstar.sk\/ako-prinutit-peniaze-zarabat\/#Article","mainEntityOfPage":"https:\/\/www.dogstar.sk\/ako-prinutit-peniaze-zarabat\/","headline":"Ako prin\u00fati\u0165 peniaze zar\u00e1ba\u0165?","name":"Ako prin\u00fati\u0165 peniaze zar\u00e1ba\u0165?","description":"Mo\u017eno si poviete, komu dnes nech\u00fdbaj\u00fa peniaze? Samozrejme, ka\u017ed\u00fd z n\u00e1s ob\u010das sn\u00edva o tom, \u010do v\u0161etko by \u00a0mohol ma\u0165, keby mal viac pe\u0148az\u00ed. Ale ako sa k\u00a0t\u00fdm vy\u0161\u0161\u00edm sum\u00e1m dosta\u0165? Za socializmu n\u00e1s u\u010dili, \u017ee poctivou pr\u00e1cou si \u010dlovek dok\u00e1\u017ee zarobi\u0165 dostatok finan\u010dn\u00fdch prostriedkov na \u017eivobytie. Realita bola tak\u00e1, \u017ee si \u010dlovek z\u00a0priemern\u00e9ho platu...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.dogstar.sk\/ako-prinutit-peniaze-zarabat\/\" class=\"more-link\">Pre\u010d\u00edta\u0165<span class=\"screen-reader-text\"> &ldquo;Ako prin\u00fati\u0165 peniaze zar\u00e1ba\u0165?&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2021-09-29","dateModified":"2024-04-23","author":{"@type":"Person","@id":"https:\/\/www.dogstar.sk\/author\/#Person","name":"","url":"https:\/\/www.dogstar.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e4532b7f65738965bbad8697e5bd54c0628af7bffe8d3c856885c44d86978cee?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dogstar.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dogstar.sk\/wp-content\/uploads\/U%C4%8Dme%20sa%20investova%C5%A5.jpg","url":"https:\/\/www.dogstar.sk\/wp-content\/uploads\/U%C4%8Dme%20sa%20investova%C5%A5.jpg","height":0,"width":0},"url":"https:\/\/www.dogstar.sk\/ako-prinutit-peniaze-zarabat\/","about":["Financie"],"wordCount":910,"articleBody":"Mo\u017eno si poviete, komu dnes nech\u00fdbaj\u00fa peniaze? Samozrejme, ka\u017ed\u00fd z n\u00e1s ob\u010das sn\u00edva o tom, \u010do v\u0161etko by \u00a0mohol ma\u0165, keby mal viac pe\u0148az\u00ed. Ale ako sa k\u00a0t\u00fdm vy\u0161\u0161\u00edm sum\u00e1m dosta\u0165? Za socializmu n\u00e1s u\u010dili, \u017ee poctivou pr\u00e1cou si \u010dlovek dok\u00e1\u017ee zarobi\u0165 dostatok finan\u010dn\u00fdch prostriedkov na \u017eivobytie. Realita bola tak\u00e1, \u017ee si \u010dlovek z\u00a0priemern\u00e9ho platu mohol dovoli\u0165 oby\u010dajn\u00fa \u0161kodovku asi tak po troch rokoch sporenia, za predpokladu, \u017ee partnerov pr\u00edjem posta\u010doval na vykrytie z\u00e1kladn\u00fdch \u017eivotn\u00fdch potrieb celej rodiny. Farebn\u00fd telev\u00edzor ,, zabral ,, asi tak tri\u0161tvrte roka sporenia. Ak si v\u0161ak niekto chcel zaobstara\u0165 b\u00fdvanie, tak sa musel zaradi\u0165 do poradovn\u00edka na \u0161t\u00e1tny byt, \u010do trvalo roky, alebo ak si chcel postavi\u0165 rodinn\u00fd dom\u010dek ( najlep\u0161ie dvojgenera\u010dn\u00fd, vtedy preferovan\u00fd \u0161t\u00e1tnym veden\u00edm ), tak to bola v\u00fdzva k\u00a0\u0161etreniu penia\u017ekov minim\u00e1lne na dve desa\u0165ro\u010dia.\u00a0Dnes \u017eijeme v\u00a0dobe, ke\u010f v\u0161etci chc\u00fa v\u0161etko a\u00a0najlep\u0161ie ihne\u010f. Zrazu po\u010d\u00favame, \u017ee poctivou pr\u00e1cou e\u0161te nikto nezbohatol. T\u00ed \u0161ikovnej\u0161\u00ed podnikaj\u00fa, alebo zar\u00e1baj\u00fa v\u00a0zahrani\u010d\u00ed s\u00a0cie\u013eom zhroma\u017edi\u0165 viac pe\u0148az\u00ed, aby sa napokon mohli usadi\u0165 a\u00a0splni\u0165 si svoje predstavy. M\u00e1me tu aj historicky najv\u00fdhodnej\u0161ie hypot\u00e9ky, s\u00a0najni\u017e\u0161\u00edmi \u00farokov\u00fdmi sadzbami, ktor\u00e9 ur\u00fdch\u013euj\u00fa \u010das, za ktor\u00fd sa mlad\u00fdm \u013eu\u010fom (a nielen im ) plnia ich sny o\u00a0b\u00fdvan\u00ed. V\u00a0ka\u017edom pr\u00edpade, bez ur\u010dit\u00e9ho vlastn\u00e9ho kapit\u00e1lu sa nezaob\u00edde nikto, preto\u017ee aj banka je podnikate\u013esk\u00fd subjekt a\u00a0nie charitat\u00edvna organiz\u00e1cia. A\u00a0tu sme pri koreni veci. Slov\u00e1ci s\u00fa ve\u013emi \u0161etrn\u00fd n\u00e1rod a\u00a0pod\u013ea \u00fadajov spolo\u010dnosti Fingo maj\u00fa v\u00a0s\u00fa\u010dasnosti nasporen\u00e9 pribli\u017ene 45 mili\u00e1rd Eur. Pand\u00e9mia koronav\u00edrusu t\u00fato skuto\u010dnos\u0165 e\u0161te zv\u00fdraznila a\u00a0strach a\u00a0neistota z\u00a0bud\u00facnosti prin\u00fatili na\u0161inca \u0161etrenie e\u0161te viac akcelerova\u0165. Ak sa v\u0161ak pozrieme, kde si \u013eudia na Slovensku u\u0161etren\u00e9 prostriedky ukladaj\u00fa, optimizmus sa okam\u017eite vytrat\u00ed. Pod\u013ea port\u00e1lu svet-komunikacie.sk a\u017e 53% u\u0161etren\u00fdch finan\u010dn\u00fdch prostriedkov spo\u010d\u00edva na be\u017en\u00fdch \u00fa\u010dtoch b\u00e1nk, 18% sa nach\u00e1dza doma &#8211;\u00a0mo\u017eno pod vank\u00fa\u0161om\u00a0 a\u00a0len 15% financi\u00ed bolo zainvestovan\u00fdch v\u00a0investi\u010dn\u00fdch fondoch. \u00a0\u00a0Pr\u00e1ve rozumn\u00e9 investovanie finan\u010dn\u00fdch prostriedkov je t\u00fdm z\u00e1zra\u010dn\u00fdm n\u00e1strojom, ktor\u00fd dok\u00e1\u017ee v\u00fdrazne zn\u00e1sobi\u0165 u\u0161etren\u00e9 zdroje, porazi\u0165 infl\u00e1ciu, ktor\u00e1 sa po dlh\u0161om obdob\u00ed letargie pr\u00e1ve preb\u00fadza a\u00a0ukrajuje a\u00a0v\u00a0bud\u00facnosti bude na\u010falej ukrajova\u0165 z\u00a0k\u00fapnej sily pe\u0148az\u00ed ich postupn\u00fdm znehodnocovan\u00edm. \u013dudia na Slovensku, a\u00a0najm\u00e4 stredn\u00e1 a star\u0161ia gener\u00e1cia sa boj\u00ed investova\u0165 a\u00a0ak tak rob\u00ed, tak len prostredn\u00edctvom konzervat\u00edvnych strat\u00e9gi\u00ed. Pr\u00ed\u010diny tohto spr\u00e1vania mo\u017eno n\u00e1js\u0165 v\u00a0slabej finan\u010dnej gramotnosti, neblah\u00fdch sk\u00fasenostiach z\u00a0krachu nebankoviek na po\u010diatku mil\u00e9nia, ktor\u00e9 v\u00fdrazne zam\u00e1vali sebad\u00f4verou vkladate\u013eov a\u00a0tie\u017e a\u017e doned\u00e1vna v\u00fdraznou absenciou mo\u017enost\u00ed vhodn\u00e9ho investovania.Na druhej strane, frustr\u00e1cia z\u00a0t\u00fdchto skuto\u010dnost\u00ed \u017eenie niektor\u00fdch \u013eud\u00ed do rizikov\u00fdch a\u017e hazardn\u00fdch investi\u010dn\u00fdch oper\u00e1ci\u00ed ako s\u00fa \u0161pekul\u00e1cie s\u00a0kryptomenami, \u0161pekul\u00e1cie na online burzov\u00fdch platform\u00e1ch, alebo tzv. social trading, \u010do je nekritick\u00e9 obchodovanie na burz\u00e1ch na z\u00e1klade pochybn\u00fdch r\u00e1d a\u00a0vzorov, poskytovan\u00fdch influencermi na r\u00f4znych soci\u00e1lnych sie\u0165ach. V\u00fdchodiskom z\u00a0tejto neute\u0161enej situ\u00e1cie je neust\u00e1le vzdel\u00e1vanie, vysvet\u013eovanie a\u00a0pomoc od finan\u010dn\u00fdch in\u0161tit\u00faci\u00ed (NBS, banky, pois\u0165ovne, nez\u00e1visl\u00ed finan\u010dn\u00ed poradcovia ) a\u00a0povzbudzovanie k\u00a0tomu, aby \u013eudia za\u010dali vo v\u00fdznamnej miere prebera\u0165 zodpovednos\u0165 za ziskovos\u0165 svojich invest\u00edci\u00ed t\u00fdm, \u017ee prestan\u00fa dr\u017ea\u0165 svoje \u00faspory na be\u017en\u00fdch \u00fa\u010dtoch, terminovan\u00fdch vkladoch, resp. vkladn\u00fdch kni\u017ek\u00e1ch, kde s\u00fa \u00farokov\u00e9 sadzby nulov\u00e9 a\u00a0za\u010dn\u00fa investova\u0165 do akciov\u00fdch a\u00a0indexov\u00fdch fondov, kde bud\u00fa na z\u00e1klade ur\u010ditej strat\u00e9gie a\u00a0pl\u00e1nu dlhodobo a\u00a0pravidelne investova\u0165 svoje peniaze, preto\u017ee \u010das zotrvania na trhu por\u00e1\u017ea v\u0161etky jeho anom\u00e1lie. Aby sa tie\u017e nau\u010dili minimalizova\u0165 riziko v\u010faka \u0161irokej diverzifik\u00e1cii portf\u00f3lia v\u00a0r\u00e1mci regi\u00f3nov aj ekonomick\u00fdch sektorov, teda \u013eudovo povedan\u00e9, rozlo\u017ei\u0165 vaj\u00ed\u010dka do v\u00e4\u010d\u0161ieho mno\u017estva ko\u0161\u00edkov. V\u00a0neposlednom rade posilni\u0165 ich sebad\u00f4veru a\u00a0nau\u010di\u0165 ich vydr\u017ea\u0165 a\u00a0nepanik\u00e1ri\u0165 pri poklesoch akci\u00ed, ktor\u00e9 s\u00fa prirodzen\u00fdm, cyklick\u00fdm javom, ale naopak vyu\u017ei\u0165 pokles cien akci\u00ed na dok\u00fapenie \u010fal\u0161\u00edch za v\u00fdhodnej\u0161iu cenu. A\u00a0napokon, aby pochopili, \u017ee pravideln\u00fdm investovan\u00edm od mladosti si m\u00f4\u017eu v\u00fdrazne skr\u00e1ti\u0165 d\u00f4chodkov\u00fd vek a\u00a0vytvori\u0165 si dostato\u010dn\u00fa rentu na plnohodnotn\u00fd \u017eivot v\u00a0neskor\u0161om veku. Fakt, \u017ee si \u013eudia vezm\u00fa osud do vlastn\u00fdch r\u00fak a\u00a0nebud\u00fa potrebova\u0165 \u0161t\u00e1t na to, aby mali istotu d\u00f4stojn\u00e9ho d\u00f4chodku, n\u00e1s zarad\u00ed medzi vyspel\u00e9 krajiny z\u00e1padnej Eur\u00f3py, \u013eu\u010fom poskytne finan\u010dn\u00fa slobodu a nez\u00e1vislos\u0165\u00a0a\u00a0odbremen\u00ed u\u017e aj tak pre\u0165a\u017een\u00fd d\u00f4chodkov\u00fd syst\u00e9m na Slovensku. \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako prin\u00fati\u0165 peniaze zar\u00e1ba\u0165?","item":"https:\/\/www.dogstar.sk\/ako-prinutit-peniaze-zarabat\/#breadcrumbitem"}]}]