[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lipt.sk\/stavebne-sporenie-kedysi-a-dnes\/#Article","mainEntityOfPage":"https:\/\/www.lipt.sk\/stavebne-sporenie-kedysi-a-dnes\/","headline":"Stavebn\u00e9 sporenie kedysi a dnes","name":"Stavebn\u00e9 sporenie kedysi a dnes","description":"Kto by nepoznal produkt stavebn\u00e9ho sporenia? Kedysi nebolo lep\u0161ej alternat\u00edvy odkladania vo\u013en\u00fdch finan\u010dn\u00fdch prostriedkov do produktu, z\u00a0ktor\u00e9ho raz ro\u010dne pri\u0161la garantovan\u00e1 \u0161t\u00e1tna pr\u00e9mia a\u00a0\u00faroky pod\u013ea objemu ulo\u017een\u00fdch pe\u0148az\u00ed. Skr\u00e1tka sa ","datePublished":"2019-11-23","dateModified":"2019-11-23","author":{"@type":"Person","@id":"https:\/\/www.lipt.sk\/author\/#Person","name":"","url":"https:\/\/www.lipt.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c36ac855b1ee9cce96e09824fb5426d6eaccd04233fbf51e04e067ccd1b5fe13?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lipt.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lipt.sk\/wp-content\/uploads\/img_a300697_w16558_t1558011953.jpg","url":"https:\/\/www.lipt.sk\/wp-content\/uploads\/img_a300697_w16558_t1558011953.jpg","height":0,"width":0},"url":"https:\/\/www.lipt.sk\/stavebne-sporenie-kedysi-a-dnes\/","wordCount":373,"articleBody":"Kto by nepoznal produkt stavebn\u00e9ho sporenia? Kedysi nebolo lep\u0161ej alternat\u00edvy odkladania vo\u013en\u00fdch finan\u010dn\u00fdch prostriedkov do produktu, z\u00a0ktor\u00e9ho raz ro\u010dne pri\u0161la garantovan\u00e1 \u0161t\u00e1tna pr\u00e9mia a\u00a0\u00faroky pod\u013ea objemu ulo\u017een\u00fdch pe\u0148az\u00ed. Skr\u00e1tka sa jednalo o\u00a0zauj\u00edmav\u00fd produkt, ktor\u00fdm bolo mo\u017en\u00e9 na\u0161etri\u0165 si na nov\u00e9 b\u00fdvanie a\u00a0dosta\u0165 sa k\u00a0v\u00fdhodnej\u0161\u00edm podmienkam na zisk \u00faveru zo stavebn\u00e9ho sporenia. Kedy v\u0161ak v\u00fdhodn\u00fd produkt stratil svoju atraktivitu?Je rok 2019. Ekonomike Slovenskej republiky sa dar\u00ed, \u013eudia maj\u00fa pr\u00e1cu, stabiln\u00fd pr\u00edjem a\u00a0ur\u010dit\u00fd obnos finan\u010dn\u00fdch prostriedkov le\u017eiaci doma pod podu\u0161kou. Zle. Treba investova\u0165! A\u00a0to minim\u00e1lne s\u00a0n\u00e1vratom infl\u00e1cie, ktor\u00e1 je v\u00a0danom roku. D\u00f4vod je prost\u00fd \u2013 v\u00a0opa\u010dnom pr\u00edpade si za rovnak\u00fd obnos pe\u0148az\u00ed k\u00fapite men\u0161ie mno\u017estvo produktov a va\u0161e peniaze jednoducho str\u00e1caj\u00fa svoju hodnotu.Kedysi bolo trendom pravideln\u00e9 odkladanie do produktu stavebn\u00e9ho sporenia. To v\u0161ak je u\u017e minulos\u0165ou \u2013 nie produkt, no v\u00fdhody zmizli. Dnes (rok 2019) je potrebn\u00e9 vlo\u017ei\u0165 minim\u00e1lne 2800\u20ac ro\u010dne na z\u00edskanie plnej \u0161t\u00e1tnej pr\u00e9mie 70\u20ac. V\u00a0obdob\u00ed, kedy stavebn\u00e9 sporenie vst\u00fapilo na trh (rok 1993), bol pomer optim\u00e1lneho ro\u010dn\u00e9ho vkladu ku maxim\u00e1lnej \u0161t\u00e1tnej pr\u00e9mie po zaokr\u00fahlen\u00ed pribli\u017ene 500\u20ac ku 200\u20ac.Percento\u00a0\u0161t\u00e1tnej pr\u00e9mie z\u00a0vlo\u017een\u00e9ho ro\u010dn\u00e9ho vkladu predstavovalo teda pribli\u017ene 40%. Pod hranicu 10% sa uveden\u00e1 hodnota dostala prv\u00fdkr\u00e1t v\u00a0roku 2009 a\u00a0od roku 2014 sa tam i\u00a0stabilne dr\u017e\u00ed. Tohtoro\u010dn\u00fdch 2,5% je teda ve\u013ek\u00fdm zosmie\u0161nen\u00edm pon\u00fakan\u00e9ho produktu a\u00a0malo by by\u0165 na finan\u010dnom trhu nekonkurencieschopn\u00e9. Konzervat\u00edvni klienti v\u0161ak radi zotrv\u00e1vaj\u00fa v\u00a0tom, \u010do poznaj\u00fa. Pre\u010do? No lebo je to istota. Av\u0161ak moment\u00e1lne ve\u013emi nev\u00fdhodn\u00e1 istota. Ulo\u017ei\u0165 teda vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky do kedysi ve\u013emi ob\u013e\u00faben\u00e9ho stavebn\u00e9ho sporenia m\u00f4\u017ee dnes by\u0165 \u010distou stratou a\u00a0nie potenci\u00e1lnym v\u00fdnosom. Treba sa teda rozhliadnu\u0165 po v\u00fdnosnej\u0161om produkte, ktor\u00fd finan\u010dn\u00fd trh pon\u00faka.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Stavebn\u00e9 sporenie kedysi a dnes","item":"https:\/\/www.lipt.sk\/stavebne-sporenie-kedysi-a-dnes\/#breadcrumbitem"}]}]