[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.slovacon.sk\/ako-si-poistit-buduci-dochodok\/#Article","mainEntityOfPage":"https:\/\/www.slovacon.sk\/ako-si-poistit-buduci-dochodok\/","headline":"Ako si poisti\u0165 bud\u00faci d\u00f4chodok","name":"Ako si poisti\u0165 bud\u00faci d\u00f4chodok","description":"Umel\u00e9 zastropovanie v\u00fd\u0161ky d\u00f4chodku pravdepodobne ovplyvn\u00ed v\u00fd\u0161ku d\u00f4chodkov v\u00a0bud\u00facnosti. Jedin\u00fdm mo\u017en\u00fdm rie\u0161en\u00edm ako sa v\u00a0bud\u00facnosti nenecha\u0165 nepr\u00edjemne prekvapi\u0165 je za\u010da\u0165 rie\u0161i\u0165 dodato\u010dn\u00e9 sporenie. \u0160tandardn\u00e9 sporenie na bankovom \u00fa\u010dte nem\u00e1 ve\u013ek\u00fd v\u00fdznam preto \u017ee zhodnotenie je zanedbate\u013en\u00e9 a\u00a0ak k\u00a0tomu pripo\u010d\u00edtame infl\u00e1ciu tak nem\u00f4\u017eme hovori\u0165 o\u00a0sporen\u00ed. Pre be\u017en\u00e9ho \u010dloveka ktor\u00fd m\u00e1 priemern\u00e9 investi\u010dn\u00e9 vedomosti s\u00fa k\u00a0dispoz\u00edcii produkty...","datePublished":"2019-05-25","dateModified":"2019-05-25","author":{"@type":"Person","@id":"https:\/\/www.slovacon.sk\/author\/#Person","name":"slovacon.sk\n","url":"https:\/\/www.slovacon.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"slovacon.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.slovacon.sk\/wp-content\/uploads\/img_a302367_w2039_t1561386144.jpg","url":"https:\/\/www.slovacon.sk\/wp-content\/uploads\/img_a302367_w2039_t1561386144.jpg","height":0,"width":0},"url":"https:\/\/www.slovacon.sk\/ako-si-poistit-buduci-dochodok\/","about":["Peniaze"],"wordCount":395,"articleBody":"Umel\u00e9 zastropovanie v\u00fd\u0161ky d\u00f4chodku pravdepodobne ovplyvn\u00ed v\u00fd\u0161ku d\u00f4chodkov v\u00a0bud\u00facnosti. Jedin\u00fdm mo\u017en\u00fdm rie\u0161en\u00edm ako sa v\u00a0bud\u00facnosti nenecha\u0165 nepr\u00edjemne prekvapi\u0165 je za\u010da\u0165 rie\u0161i\u0165 dodato\u010dn\u00e9 sporenie. \u0160tandardn\u00e9 sporenie na bankovom \u00fa\u010dte nem\u00e1 ve\u013ek\u00fd v\u00fdznam preto \u017ee zhodnotenie je zanedbate\u013en\u00e9 a\u00a0ak k\u00a0tomu pripo\u010d\u00edtame infl\u00e1ciu tak nem\u00f4\u017eme hovori\u0165 o\u00a0sporen\u00ed.Pre be\u017en\u00e9ho \u010dloveka ktor\u00fd m\u00e1 priemern\u00e9 investi\u010dn\u00e9 vedomosti s\u00fa k\u00a0dispoz\u00edcii produkty ako ETF pri\u010dom z\u00e1sadn\u00fd rozdiel medzi podielov\u00fdm fondom a\u00a0ETF je v\u00a0tom \u017ee poplatky za spr\u00e1vu ETF s\u00fa diametr\u00e1lne ni\u017e\u0161ie. \u010eal\u0161ou alternat\u00edvou konzervat\u00edvneho sporenia s\u00fa dlhopisy pri\u010dom priemern\u00fd \u00farok americk\u00fdch dlhopisov za posledn\u00fdch 20 rokov sa pohybuje na \u00farovni 2 percent. Medzi viac volite\u013enej\u0161ie invest\u00edcie zara\u010fujeme akciov\u00e9 indexy ktor\u00e9 ale m\u00f4\u017eu poskytn\u00fa\u0165 zauj\u00edmavej\u0161\u00ed v\u00fdnos. Akciov\u00e9 indexy s\u00fa vhodn\u00e9 pre sporite\u013eov z\u00a0dlhodob\u00e9ho h\u013eadiska to znamen\u00e1 \u017ee viac ako 5 rokov sporenia, \u010do pri predstave sporenia na d\u00f4chodok vyznieva ako prijate\u013en\u00e1 invest\u00edcia. Za zv\u00e1\u017eenie stoja americk\u00e9 indexy ktor\u00e9 dosiahli v\u00fdborn\u00e9 zhodnotenie za posledn\u00fdch 18 rokov S&P 500 4,1%, DOW JONES 4,7 % alebo NASDAQ 3,5%. Z\u00a0eur\u00f3pskych indexov sa ako najlep\u0161ia vo\u013eba jav\u00ed nemeck\u00fd DAX ktor\u00fd dosiahol za posledn\u00fdch 18 rokov priemern\u00fd v\u00fdnos 3,4 %.\u00a0Ako \u010fal\u0161ia mo\u017enos\u0165 investovania je invest\u00edcia do komod\u00edt. Pri komodit\u00e1ch je najob\u013e\u00fabenej\u0161\u00edm investi\u010dn\u00fdm artiklom zlato. T\u00e1to komodita sa vy\u0161plhala za posledn\u00fdch 20 rokov na priemern\u00fa \u00farove\u0148 8,5 %. Medzi investormi je zlato pova\u017eovan\u00e9 za bezpe\u010dn\u00fd pr\u00edstav a\u00a0 obzvl\u00e1\u0161\u0165 vyh\u013ead\u00e1van\u00fdm investi\u010dn\u00fdm n\u00e1strojom ak sa glob\u00e1lna ekonomika r\u00fati do recesie.\u00a0 Ak sa investor chce poisti\u0165 vo\u010di r\u00f4znym v\u00fdkyvom na finan\u010dnom trhu je d\u00f4le\u017eit\u00e9 spr\u00e1vne zostavenie portf\u00f3lia \u010di u\u017e formou \u010diastkov\u00fdch invest\u00edci\u00ed do ka\u017edej zo zmienen\u00fdch investi\u010dn\u00fdch mo\u017enost\u00ed, alebo formou pravideln\u00e9ho investovania na mesa\u010dnej b\u00e1ze v\u00a0rovnak\u00fdch \u010diastkach. Je u\u017e na ka\u017edom \u010dloveku ak\u00fd variant sporenia si vyberie no treba ma\u0165 na pam\u00e4ti, \u017ee na d\u00f4chodku pr\u00edde nejedn\u00e9mu bud\u00facemu d\u00f4chodcovi ka\u017ed\u00e9 jedno nasporen\u00e9 euro vhod.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Ako si poisti\u0165 bud\u00faci d\u00f4chodok","item":"https:\/\/www.slovacon.sk\/ako-si-poistit-buduci-dochodok\/#breadcrumbitem"}]}]