[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esei.cz\/5-tipu-konecne-zbavite-vasich-financnich-starosti\/#Article","mainEntityOfPage":"https:\/\/www.esei.cz\/5-tipu-konecne-zbavite-vasich-financnich-starosti\/","headline":"5 tip\u016f: kone\u010dn\u011b zbav\u00edte va\u0161ich finan\u010dn\u00edch starost\u00ed!","name":"5 tip\u016f: kone\u010dn\u011b zbav\u00edte va\u0161ich finan\u010dn\u00edch starost\u00ed!","description":"1. tip: Poji\u0161t\u011bn\u00ed se proti existen\u010dn\u00edm rizik\u016fm. I kdy\u017e p\u0159estanete pracovat, st\u00e1le mus\u00edte \u017e\u00edt, to znamen\u00e1 nakupovat j\u00eddlo a tak\u00e9 platit n\u00e1jem \u010di hypot\u00e9ku. Klasikou zaji\u0161t\u011bn\u00ed se proti existen\u010dn\u00edm probl\u00e9m\u016fm jsou r\u016fzn\u00e9 pojistky – \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed a d\u016fle\u017eit\u00e9 tak\u00e9 je poji\u0161t\u011bn\u00ed odpov\u011bdnosti. \u00a0 2. tip: Pry\u010d s dluhy Nez\u00e1le\u017e\u00ed na tom, zda je […]","datePublished":"2023-05-19","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.esei.cz\/author\/#Person","name":"","url":"https:\/\/www.esei.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esei.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esei.cz\/wp-content\/uploads\/img_a330052_w2649_t1542621500.jpg","url":"https:\/\/www.esei.cz\/wp-content\/uploads\/img_a330052_w2649_t1542621500.jpg","height":0,"width":0},"url":"https:\/\/www.esei.cz\/5-tipu-konecne-zbavite-vasich-financnich-starosti\/","wordCount":420,"articleBody":"1. tip: Poji\u0161t\u011bn\u00ed se proti existen\u010dn\u00edm rizik\u016fm.I kdy\u017e p\u0159estanete pracovat, st\u00e1le mus\u00edte \u017e\u00edt, to znamen\u00e1 nakupovat j\u00eddlo a tak\u00e9 platit n\u00e1jem \u010di hypot\u00e9ku. Klasikou zaji\u0161t\u011bn\u00ed se proti existen\u010dn\u00edm probl\u00e9m\u016fm jsou r\u016fzn\u00e9 pojistky – \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed a d\u016fle\u017eit\u00e9 tak\u00e9 je poji\u0161t\u011bn\u00ed odpov\u011bdnosti.\u00a02. tip: Pry\u010d s dluhyNez\u00e1le\u017e\u00ed na tom, zda je v\u00e1\u0161 bude \u00fa\u010det v mizern\u00e9m stavu kv\u016fli tomu \u017ee splat\u00edte \u00fav\u011br \u010di leasing za auto. Kdo se zbav\u00ed sv\u00e9ho dluhu co nejrychleji, u\u0161et\u0159\u00ed v\u00fdrazn\u011b v\u00edce, ne\u017e m\u016f\u017ee z\u00edskat s ulo\u017een\u00edm pen\u011bz. V\u00fdrazn\u00fdm p\u0159\u00edkladem je p\u0159e\u010derpan\u00fd b\u011b\u017en\u00fd \u00fa\u010det. Mnoho bank si \u00fa\u010dtuje vysok\u00e9 \u00farokov\u00e9 sazby. Naopak, sotva existuje bezrizikov\u00e1 investice, kter\u00e1 p\u0159in\u00e1\u0161\u00ed takov\u00e9 v\u00fdnosy.\u00a03. tip: Vytvo\u0159it si rezervuV\u00e1\u0161 bankovn\u00ed poradce na\u0161el perfektn\u00ed investici pro v\u00e1s? To je skv\u011bl\u00e9, ale sp\u00ed\u0161e pro n\u011bj. Jen se nenechte tla\u010dit! Jakmile investujete sv\u00e9 v\u0161echny \u00faspory v dlouhodob\u00e9m horizontu, z\u00edsk\u00e1te pouze ztr\u00e1ty, pokud v\u016fbec. To dvojn\u00e1sobn\u011b plat\u00ed i v p\u0159\u00edpadech, kdy by pak hotovost byla velmi pot\u0159ebn\u00e1, mo\u017en\u00e1 proto, \u017ee va\u0161e auto pot\u0159ebuje nutn\u011b opravit nebo si mus\u00edte koupit novou pra\u010dku. T\u0159et\u00edm krokem k finan\u010dn\u00ed nez\u00e1vislosti by proto m\u011blo b\u00fdt vytvo\u0159en\u00ed \u00fasporn\u00e9ho \u00fa\u010dtu pro va\u0161e vytv\u00e1\u0159en\u00ed rezerv. Ned\u011blejte chyby jako jako v\u011bt\u0161ina jin\u00fdch lid\u00ed a vytv\u00e1\u0159en\u00edm p\u0159ijateln\u00e9ho pen\u011b\u017en\u00edho pol\u0161t\u00e1\u0159e za\u010dn\u011bte co nejd\u0159\u00edve.\u00a04. tip: Optimalizujte \u00faspory p\u0159i odchodu do d\u016fchoduZvl\u00e1\u0161t\u011b pro \u017eeny se vyplat\u00ed investovat o n\u011bco v\u00edce, pokud jde o d\u016fchodov\u00e9 zabezpe\u010den\u00ed: mo\u017enosti zaji\u0161t\u011bn\u00ed d\u016fchodu nebyly nikdy tak rozmanit\u00e9, jako jsou dnes. Ke spo\u0159en\u00ed na sv\u016fj d\u016fchod zapojte i sv\u00e9ho zam\u011bstnavatele, ten v\u00e1m m\u016f\u017ee p\u0159isp\u00edvat na r\u016fzn\u00e9 penzijn\u00ed a pojistn\u00e9 programy se zhodnocovac\u00edmi prvky.\u00a05. tip: Vybudov\u00e1n\u00ed aktivNyn\u00ed p\u0159ich\u00e1z\u00ed posledn\u00ed bod: dlouhodob\u00e1 akumulace aktiv. V z\u00e1vislosti na tom, zda chcete p\u0159edev\u0161\u00edm b\u00fdt v bezpe\u010d\u00ed nebo riskovat trochu, m\u016f\u017eete investovat pen\u00edze do firemn\u00edch investic nebo fond\u016f, nemovitost\u00ed, um\u011bn\u00ed. Mo\u017enosti jsou (t\u00e9m\u011b\u0159) neomezen\u00e9.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"5 tip\u016f: kone\u010dn\u011b zbav\u00edte va\u0161ich finan\u010dn\u00edch starost\u00ed!","item":"https:\/\/www.esei.cz\/5-tipu-konecne-zbavite-vasich-financnich-starosti\/#breadcrumbitem"}]}]