[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.man-mn.cz\/cesi-maji-na-uctech-miliony-ale-boji-se-je-zhodnotit\/#Article","mainEntityOfPage":"https:\/\/www.man-mn.cz\/cesi-maji-na-uctech-miliony-ale-boji-se-je-zhodnotit\/","headline":"\u010ce\u0161i maj\u00ed na \u00fa\u010dtech miliony, ale boj\u00ed se je zhodnotit","name":"\u010ce\u0161i maj\u00ed na \u00fa\u010dtech miliony, ale boj\u00ed se je zhodnotit","description":"V\u00fdvoj vklad\u016f podle datab\u00e1ze \u010dasov\u00fdch \u0159ad \u010cNB od roku 1993 neust\u00e1le roste. \u00darokov\u00e9 sazby na v\u011bt\u0161in\u011b b\u011b\u017en\u00fdch \u00fa\u010dtech u v\u011bt\u0161iny bank se bl\u00ed\u017e\u00ed nule nebo \u010d\u00edtaj\u00ed setiny procent. Paradoxn\u011b je na t\u011bchto \u00fa\u010dtech, ale nejv\u00edce pen\u011bz oproti jin\u00fdm neterm\u00ednovan\u00fdm \u00fa\u010dt\u016fm v\u010detn\u011b spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f. Pen\u00edze, kter\u00e9 m\u00e1me na b\u011b\u017en\u00fdch \u00fa\u010dtech za","datePublished":"2019-11-23","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.man-mn.cz\/author\/#Person","name":"","url":"https:\/\/www.man-mn.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"man-mn.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.man-mn.cz\/wp-content\/uploads\/img_a361218_w3826_t1574584338.jpg","url":"https:\/\/www.man-mn.cz\/wp-content\/uploads\/img_a361218_w3826_t1574584338.jpg","height":0,"width":0},"url":"https:\/\/www.man-mn.cz\/cesi-maji-na-uctech-miliony-ale-boji-se-je-zhodnotit\/","about":["Ekonomika"],"wordCount":423,"articleBody":"V\u00fdvoj vklad\u016f podle datab\u00e1ze \u010dasov\u00fdch \u0159ad \u010cNB od roku 1993 neust\u00e1le roste. \u00darokov\u00e9 sazby na v\u011bt\u0161in\u011b b\u011b\u017en\u00fdch \u00fa\u010dtech u v\u011bt\u0161iny bank se bl\u00ed\u017e\u00ed nule nebo \u010d\u00edtaj\u00ed setiny procent. Paradoxn\u011b je na t\u011bchto \u00fa\u010dtech, ale nejv\u00edce pen\u011bz oproti jin\u00fdm neterm\u00ednovan\u00fdm \u00fa\u010dt\u016fm v\u010detn\u011b spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f. Pen\u00edze, kter\u00e9 m\u00e1me na b\u011b\u017en\u00fdch \u00fa\u010dtech za nulov\u00fd \u00farok, jsou pro banky velmi snadn\u00fdm zdrojem. Aktu\u00e1ln\u00ed v\u00fdnos z t\u011bchto \u00fa\u010dt\u016f \u010d\u00edt\u00e1 2 % p. a. Pro banku p\u0159edstavuj\u00ed pen\u00edze na b\u011b\u017en\u00fdch \u00fa\u010dtech snadn\u00e9 p\u0159\u00edjmy. D\u00edky t\u00e9to skute\u010dnosti banky op\u011bt letos dos\u00e1hly rekordn\u00edch v\u00fdnos\u016f ve v\u00fd\u0161i 45,6 miliard \u010desk\u00fdch korun.\t\tAktu\u00e1ln\u00ed m\u00edra inflace se dnes pohybuje okolo 2,7 % a to znamen\u00e1, \u017ee pen\u00edze, kter\u00e9 m\u00e1me ulo\u017een\u00e9 na \u00fa\u010dtech bez \u017e\u00e1dn\u00e9ho zhodnocov\u00e1n\u00ed pomalu ztr\u00e1cej\u00ed na hodnot\u011b. Tak\u017ee zat\u00edmco my prod\u011bl\u00e1v\u00e1me, banka na nich vyd\u011bl\u00e1v\u00e1. Z ka\u017ed\u00fdch 100 000 K\u010d, kter\u00e9 netknut\u011b le\u017e\u00ed na b\u011b\u017en\u00e9m \u00fa\u010dtu n\u00e1s inflace p\u0159iprav\u00ed za rok o 2 700 K\u010d, za to banka na nich vyd\u011bl\u00e1 2000 K\u010d. Bohu\u017eel m\u00edra inflace se st\u00e1le vyv\u00edj\u00ed nep\u0159\u00edzniv\u011b pro na\u0161e \u00faspory, a tak je mo\u017en\u00e9, \u017ee bude sv\u00e9 tempo r\u016fstu je\u0161t\u011b zrychlovat.\t \tNa \u010desk\u00e9m trhu je mo\u017en\u00e9 nal\u00e9zt mnoho produkt\u016f, do kter\u00fdch se hod\u00ed investovat a nechat tak na\u0161e \u00faspory, alespo\u0148 n\u011bco m\u00e1lo vyd\u011blat. Nejv\u00edce v\u00fdnosnou polo\u017ekou jsou nemovitosti. Ceny nemovitost\u00ed st\u00e1le rostou a je snadn\u00e9 odhadovat jejich cenu a v\u00fdnos do budoucna. Investovat do nemovitost\u00ed se hod\u00ed zejm\u00e9na pro lidi, kte\u0159\u00ed nemaj\u00ed r\u00e1di riziko v p\u0159\u00edpad\u011b investic. Nicm\u00e9n\u011b ne ka\u017ed\u00fd m\u00e1 na \u00fa\u010dtu n\u011bkolik milion\u016f, aby si mohl dovolit hned zkupovat domy a byty.\t\t\u0158e\u0161en\u00edm m\u016f\u017ee b\u00fdt investice do nemovitostn\u00edch fond\u016f nebo investice do projekt\u016f zaji\u0161t\u011bn\u00fdch nemovitostmi. Na \u010desk\u00e9m trhu existuje n\u011bkolik platforem, kter\u00e9 spojuj\u00ed lidi s \u00fasporami a podnikatele s rozumn\u00fdmi projekty na kter\u00e9 si pot\u0159ebuj\u00ed p\u016fj\u010dit pen\u00edze. Ka\u017ed\u00fd investor tedy m\u016f\u017ee z\u00edskat zaj\u00edmav\u00fd v\u00fdnos ze sv\u00fdch vklad\u016f a tak\u00e9 p\u0159isp\u011bje k rozvoji mal\u00fdch podnikatel\u016f v r\u00e1mci \u010desk\u00e9 ekonomiky.\t                                                                                                                                                                                                                                                                                                                                                                                         4.6\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010ce\u0161i maj\u00ed na \u00fa\u010dtech miliony, ale boj\u00ed se je zhodnotit","item":"https:\/\/www.man-mn.cz\/cesi-maji-na-uctech-miliony-ale-boji-se-je-zhodnotit\/#breadcrumbitem"}]}]