[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pegi.sk\/cesi-doveruju-sporiacim-produktom-viac-ako-slovaci-najoblubenejsie-je-u-nich-penzijne-sporenie\/#Article","mainEntityOfPage":"https:\/\/www.pegi.sk\/cesi-doveruju-sporiacim-produktom-viac-ako-slovaci-najoblubenejsie-je-u-nich-penzijne-sporenie\/","headline":"\u010cesi d\u00f4veruj\u00fa sporiacim produktom viac ako Slov\u00e1ci, najob\u013e\u00fabenej\u0161ie je u nich penzijn\u00e9 sporenie","name":"\u010cesi d\u00f4veruj\u00fa sporiacim produktom viac ako Slov\u00e1ci, najob\u013e\u00fabenej\u0161ie je u nich penzijn\u00e9 sporenie","description":"Spori\u0165 si financie do bud\u00facnosti alebo na d\u00f4chodkov\u00fd vek by mal ka\u017ed\u00fd \u010dlovek, preto\u017ee sta\u0165 sa m\u00f4\u017ee \u010doko\u013evek a treba by\u0165 pripraven\u00fd na ka\u017ed\u00fd z variantov v\u00fdvoja ekonomiky. Mo\u017enosti, ako si uklada\u0165 peniaze, je viacero, treba sa rozhodn\u00fa\u0165 pre ten spr\u00e1vny a takpovediac \u0161it\u00fd n\u00e1m na mieru. Ma\u010fari sporia najmenej Na Slovensku je mo\u017en\u00e9 spori\u0165 […]","datePublished":"2020-01-01","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.pegi.sk\/author\/#Person","name":"","url":"https:\/\/www.pegi.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d3163b56da0fbe010a5181dcf7396b9bd721056c768c8d190d293b864efe53fe?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pegi.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pegi.sk\/wp-content\/uploads\/img_a309783_w16895_t1580231942.jpg","url":"https:\/\/www.pegi.sk\/wp-content\/uploads\/img_a309783_w16895_t1580231942.jpg","height":0,"width":0},"url":"https:\/\/www.pegi.sk\/cesi-doveruju-sporiacim-produktom-viac-ako-slovaci-najoblubenejsie-je-u-nich-penzijne-sporenie\/","about":["Ekonomika"],"wordCount":501,"articleBody":"Spori\u0165 si financie do bud\u00facnosti alebo na d\u00f4chodkov\u00fd vek by mal ka\u017ed\u00fd \u010dlovek, preto\u017ee sta\u0165 sa m\u00f4\u017ee \u010doko\u013evek a treba by\u0165 pripraven\u00fd na ka\u017ed\u00fd z variantov v\u00fdvoja ekonomiky. Mo\u017enosti, ako si uklada\u0165 peniaze, je viacero, treba sa rozhodn\u00fa\u0165 pre ten spr\u00e1vny a takpovediac \u0161it\u00fd n\u00e1m na mieru.Ma\u010fari sporia najmenej Na Slovensku je mo\u017en\u00e9 spori\u0165 si na sporiacom \u00fa\u010dte, a rob\u00ed tak a\u017e 70% obyvate\u013eov \u0161t\u00e1tu, druhou mo\u017enos\u0165ou je penzijn\u00e9 sporenie, ktor\u00e9 oslovilo asi 40% \u013eud\u00ed. To v medziro\u010dnom porovnan\u00ed v\u0161ak str\u00e1ca na atraktivite, \u010do vypl\u00fdva z prieskumu Slovenskej sporite\u013ene konanom v roku 2019. V tom sa l\u00ed\u0161ime od na\u0161ich \u010desk\u00fdch susedov, ktor\u00ed naopak pr\u00e1ve penzijn\u00e9 fondy vyu\u017e\u00edvaj\u00fa viac, s\u00fa to takmer dve tretiny obyvate\u013eov. Zhruba polovica Slov\u00e1kov, ktor\u00ed sa z\u00fa\u010dastnili ankety, odpovedala, \u017ee d\u00f4veruje \u017eivotn\u00e9mu poisteniu a asi pre jednu tretinu je sporenie ve\u013emi d\u00f4le\u017eit\u00e9. Napriek t\u00fdmto faktom si e\u0161te mnoho \u013eud\u00ed neodklad\u00e1 mesa\u010dne nijak\u00fa sumu ako z\u00e1lohu na hor\u0161ie \u010dasy alebo ne\u010dakan\u00e9 finan\u010dn\u00e9 v\u00fddavky, napr\u00edklad na opravu auta \u010di k\u00fapu pr\u00e1\u010dky. Medzi nich patria naj\u010dastej\u0161ie slobodn\u00e9 matky a \u017eeny, ktor\u00e9 sa samy staraj\u00fa o deti a maj\u00fa tak ve\u013ek\u00e9 probl\u00e9my s utiahnut\u00edm finan\u010dn\u00fdch v\u00fddavkov celej dom\u00e1cnosti. Z na\u0161ich okolit\u00fdch susedov je v pr\u00edstupe k sporeniu najlep\u0161ie Rak\u00fasko. Z op\u00fdtan\u00fdch takmer polovica uviedla, \u017ee pre nich je \u017eivotne d\u00f4le\u017eit\u00e9 ma\u0165 nejak\u00fd z produktov sporenia. Be\u017en\u00fd \u00fa\u010det v banke tam na sporenie vyu\u017e\u00edva asi 45% \u013eud\u00ed, v \u010cesku to je necel\u00e1 polovica klientov. Najmenej zo sledovan\u00fdch kraj\u00edn \u0161etria obyvatelia Ma\u010farska, ak\u00fdko\u013evek produkt m\u00e1 iba jedna tretina \u013eud\u00ed. Suma, ktor\u00fa maj\u00fa na \u00fa\u010dtoch Slov\u00e1ci, je vo v\u00fd\u0161ke 111 eur, v \u010cech\u00e1ch je to 105 eur a v Rak\u00fasku je t\u00e1to suma najvy\u0161\u0161ia, tam je priemer okolo 259 eur.D\u00f4le\u017eit\u00e1 je pravidelnos\u0165 Z\u00e1klad \u0161etrenia je ukladanie ur\u010ditejsumy, ktor\u00e1 nemus\u00ed by\u0165 ve\u013ek\u00e1, no jej pravideln\u00fdm odkladan\u00edm je mo\u017en\u00e9 na\u0161etri\u0165 napr\u00edklad na vysn\u00edvan\u00fa dovolenku alebo na n\u00e1kup drah\u0161\u00edch vec\u00ed ako elektronika \u010di in\u00fd spotrebn\u00fd tovar. D\u00f4le\u017eit\u00e9 je, aby sme si robili finan\u010dn\u00fa rezervu hlavne v obdob\u00ed na\u0161ej ekonomickej aktivity, \u010do znamen\u00e1, ke\u010f pracujeme a zar\u00e1bame. V\u00fd\u0161ka mesa\u010dnej rezervy mus\u00ed by\u0165 adekv\u00e1tna n\u00e1\u0161mu \u017eivotn\u00e9mu \u0161t\u00fdlu, no vo v\u0161eobecnosti plat\u00ed, \u017ee by to malo by\u0165 okolo 10 percent z \u010dist\u00e9ho pr\u00edjmu. V pr\u00edpade, \u017ee m\u00e1te z\u00e1ujem o in\u00fd typ z\u00faro\u010denia va\u0161ich financi\u00ed, tak ich m\u00f4\u017eete vlo\u017ei\u0165 do podielov\u00fdch fondov, cenn\u00fdch papierov \u010di akci\u00ed. Ich v\u00fdber v\u0161ak mus\u00ed by\u0165 prisp\u00f4soben\u00fd dobe invest\u00edci\u00ed, riziku, v\u00fd\u0161ke a \u017eelanej likvidite.                                                                                                                                                                                                                                                                                                                                                                                                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