[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cprza.sk\/financna-rezerva\/#Article","mainEntityOfPage":"https:\/\/www.cprza.sk\/financna-rezerva\/","headline":"Finan\u010dn\u00e1 rezerva","name":"Finan\u010dn\u00e1 rezerva","description":"Odborn\u00edci odpor\u00fa\u010daj\u00fa pri hospod\u00e1ren\u00ed s\u00a0na\u0161imi financiami vyu\u017e\u00edva\u0165 syst\u00e9m 10:20:30:40. \u010co to ale pre n\u00e1s znamen\u00e1? \u00a0 \u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 10% z n\u00e1\u0161ho pr\u00edjmu by sme si mali odlo\u017ei\u0165 na tvorenie rezervy. Rezerva by mala pokr\u00fdva\u0165 v\u00fddavky v\u00a0hodnote 6 mesa\u010dn\u00fdch pr\u00edjmov, na to, aby sme ju pou\u017eili v\u00a0n\u00fadzov\u00fdch pr\u00edpadoch, ako je napr. v\u00fdpadok pr\u00edjmu, ne\u010dakan\u00e9 zdravotn\u00e9 \u0165a\u017ekosti, n\u00e1hle […]","datePublished":"2018-01-29","dateModified":"2023-04-26","author":{"@type":"Person","@id":"https:\/\/www.cprza.sk\/author\/#Person","name":"","url":"https:\/\/www.cprza.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7ca2d940d0ae3b24fc759c0201b34a0f70fe6611e5abefd5978e89211a09cdfd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cprza.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cprza.sk\/wp-content\/uploads\/img_a286511_w16554_t1522333738.jpg","url":"https:\/\/www.cprza.sk\/wp-content\/uploads\/img_a286511_w16554_t1522333738.jpg","height":0,"width":0},"url":"https:\/\/www.cprza.sk\/financna-rezerva\/","wordCount":425,"articleBody":"Odborn\u00edci odpor\u00fa\u010daj\u00fa pri hospod\u00e1ren\u00ed s\u00a0na\u0161imi financiami vyu\u017e\u00edva\u0165 syst\u00e9m 10:20:30:40. \u010co to ale pre n\u00e1s znamen\u00e1?\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 10% z n\u00e1\u0161ho pr\u00edjmu by sme si mali odlo\u017ei\u0165 na tvorenie rezervy. Rezerva by mala pokr\u00fdva\u0165 v\u00fddavky v\u00a0hodnote 6 mesa\u010dn\u00fdch pr\u00edjmov, na to, aby sme ju pou\u017eili v\u00a0n\u00fadzov\u00fdch pr\u00edpadoch, ako je napr. v\u00fdpadok pr\u00edjmu, ne\u010dakan\u00e9 zdravotn\u00e9 \u0165a\u017ekosti, n\u00e1hle zmeny \u017eivotn\u00fdch situ\u00e1cii alebo r\u00f4zne hav\u00e1rie v\u00a0dom\u00e1cnosti (vytopenie susedov, pokazenie sa chladni\u010dky\u2026). Rezerva je u\u00a0ka\u017ed\u00e9ho individu\u00e1lna, z\u00e1vis\u00ed od v\u00fd\u0161ky mesa\u010dn\u00e9ho pr\u00edjmu.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20% z n\u00e1\u0161ho pr\u00edjmu by malo sl\u00fa\u017ei\u0165 na tvorenie dlhodob\u00e9ho sporenia, vr\u00e1tane sporenia na d\u00f4chodok.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 30% z\u00a0pr\u00edjmu je maxim\u00e1lna hodnota v\u00fd\u0161ky \u00faverov, ktor\u00e9 by sme mali ma\u0165. Tieto \u00favery sa daj\u00fa \u013eahko splati\u0165 bez v\u00e4\u010d\u0161\u00edch \u0165a\u017ekosti a\u00a0dal\u0161\u00edch \u00faverov.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 40% z\u00a0pr\u00edjmu (maxim\u00e1lne) by malo tvori\u0165 peniaze na be\u017en\u00fa, ka\u017edodenn\u00fa potrebu \u2013 potraviny, oble\u010denie\u2026\u00a0\t\u010eal\u0161ie typy pre lep\u0161ie hospod\u00e1renie s\u00a0finan\u010dn\u00fdmi prostriedkami\u00a0\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Z\u00e1kladn\u00fa rezervu (10% z\u00a0pr\u00edjmu) je vhodn\u00e9 si uklada\u0165 na r\u00fdchlo dostupn\u00fd finan\u010dn\u00fd produkt s\u00a0n\u00edzkym rizikom, ktor\u00fd by n\u00e1m ale rovnako priniesol nejak\u00fd v\u00fdnos v\u00a0podobe men\u0161ieho \u00faroku, ako s\u00fa napr\u00edklad vkladn\u00e9 kni\u017eky bez v\u00fdpovednej lehoty alebo term\u00ednovan\u00e9 vklady.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u010eal\u0161iu rezervu do bud\u00facna (20% z\u00a0pr\u00edjmu) je vhodn\u00e9 investova\u0165 do finan\u010dn\u00fdch produktov, ktor\u00e9 by n\u00e1m mohli prinies\u0165 aj vy\u0161\u0161\u00ed zisk, no st\u00e1le by mali n\u00edzku rizikovos\u0165. To s\u00fa napr\u00edklad vkladn\u00e9 kni\u017eky s\u00a0v\u00fdpovednou lehotou, vklady s\u00a0v\u00fdpovednou lehotou, dlhopisy, akcie, podielov\u00e9 listy\u2026\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 V\u00fdhodn\u00e1 je taktie\u017e invest\u00edcia do nehnute\u013enost\u00ed, ktor\u00e9 sa daj\u00fa v\u00a0pr\u00edpade n\u00fadze preda\u0165 za rovnak\u00fd, ak nie vy\u0161\u0161\u00ed peniaz, ne\u017e za ak\u00fd sme nehnute\u013enos\u0165 k\u00fapili.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pri potrebe \u010fal\u0161ieho poradenstva je vhodn\u00e9 sa obr\u00e1ti\u0165 na finan\u010dn\u00fdch poradcov, ktor\u00ed musia nesk\u00fasen\u00fdmi z\u00e1kazn\u00edkom vysvetli\u0165 a\u00a0pom\u00f4c\u0165 so v\u0161etk\u00fdm \u010do potrebuj\u00fa.\u00a0Orientova\u0165 sa v\u00a0na\u0161ich financi\u00e1ch nie je ni\u010d zlo\u017eit\u00e9, no treba ma\u0165 preh\u013ead. Preto je \u010fal\u0161ou dobrou radou aj zapisovanie si, alebo vedenie si z\u00e1znamov o\u00a0tom, v\u00a0ak\u00fdch v\u00fd\u0161kach sa pohybuj\u00fa na\u0161e v\u00fddavky a\u00a0ust\u00e1li\u0165 sa na nejak\u00fd pravideln\u00fd rytmus aj sporenia, ale aj v\u00fddavkov.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00e1 rezerva","item":"https:\/\/www.cprza.sk\/financna-rezerva\/#breadcrumbitem"}]}]