[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cemis.sk\/sporenie-na-dochodok\/#Article","mainEntityOfPage":"https:\/\/www.cemis.sk\/sporenie-na-dochodok\/","headline":"Sporenie na d\u00f4chodok","name":"Sporenie na d\u00f4chodok","description":"Ur\u010dite n\u00e1s ne\u010dakaj\u00fa \u013eahk\u00e9 \u010dasy a preto v\u00e4\u010d\u0161ina odborn\u00edkov rad\u00ed, aby sme na n\u00e1\u0161 d\u00f4chodok mysleli u\u017e v mladosti. V pr\u00edpade, \u017ee pracujete, mali by","datePublished":"2021-11-08","dateModified":"2021-11-08","author":{"@type":"Person","@id":"https:\/\/www.cemis.sk\/author\/#Person","name":"","url":"https:\/\/www.cemis.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cemis.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cemis.sk\/wp-content\/uploads\/money-2724241_1280_1.jpg","url":"https:\/\/www.cemis.sk\/wp-content\/uploads\/money-2724241_1280_1.jpg","height":0,"width":0},"url":"https:\/\/www.cemis.sk\/sporenie-na-dochodok\/","about":["Financie"],"wordCount":384,"articleBody":"Ur\u010dite n\u00e1s ne\u010dakaj\u00fa \u013eahk\u00e9 \u010dasy a preto v\u00e4\u010d\u0161ina odborn\u00edkov rad\u00ed, aby sme na n\u00e1\u0161 d\u00f4chodok mysleli u\u017e v mladosti. V pr\u00edpade, \u017ee pracujete, mali by ste \u010das\u0165 svojho pr\u00edjmu odklada\u0165. Jedn\u00fdm d\u00f4vodom je prilep\u0161enie na d\u00f4chodku, ale \u010doraz viac odborn\u00edkov sa zhoduje, \u017ee vek odchodu do d\u00f4chodku sa neust\u00e1le predl\u017euje a pokia\u013e si chcete nejak\u00e9 roky u\u017ei\u0165 akt\u00edvne, mali by ste sa finan\u010dne zabezpe\u010di\u0165 a do d\u00f4chodku od\u00eds\u0165 sk\u00f4r. Ak\u00e9 s\u00fa mo\u017enosti najlep\u0161ieho \u0161etrenia a investovania?II. a III. pilier.Jednou z hlavn\u00fdch mo\u017enosti\u00ed \u0161etrenia na d\u00f4chodok s\u00fa piliere. II. pilier si m\u00f4\u017eete jednoducho vytvori\u0165 aj vo va\u0161ej banke a \u010das\u0165 odvod v\u00e1m p\u00f4jde do piliera. Nev\u00fdhodou tohto piliera je, \u017ee nasporen\u00e9 peniaze v\u00e1m bud\u00fa postupne uvo\u013e\u0148ova\u0165 a\u017e v d\u00f4chodkovom veku.\u00a0III. pilier mus\u00edte konzultova\u0165 s va\u0161im zamestn\u00e1vate\u013eom. Ka\u017ed\u00fd mesiac v\u00e1m zo mzdy strhn\u00fa dohodnut\u00fa sumu na III. pilier. Tak\u00fa ist\u00fa alebo vy\u0161\u0161iu sumu, ak pracujete v rizikovom prostred\u00ed, v\u00e1m bude prispieva\u0165 aj zamestn\u00e1vate\u013e. \u010cas\u0165 vlastn\u00fdch nasporen\u00fdch pe\u0148az\u00ed si m\u00f4\u017eete vybra\u0165 u\u017e po desiatich rokoch.Kryptomeny.Najrizikovej\u0161ie investovanie, s ktor\u00fdm v\u0161ak m\u00f4\u017eete dosiahnu\u0165 najv\u00e4\u010d\u0161ie zisky. Ceny kryptomien sa menia pod\u013ea situ\u00e1cie na trhu. Odborn\u00edci v oblasti krypromien sa v\u0161ak zhoduj\u00fa, \u017ee t\u00e1to virtu\u00e1lna mena m\u00e1 ve\u013ek\u00fa bud\u00facnos\u0165 a aj mal\u00e1 invest\u00edcia v\u00e1m m\u00f4\u017ee prinies\u0165 vysok\u00fd zisk.Fondy.Fondy v bank\u00e1ch \u010di v s\u00fakromn\u00fdch spolo\u010dnostiach s\u00fa zlat\u00e1, stredn\u00e1 cesta. \u00darok predstavuje nieko\u013eko percentn\u00e9 zhodnotenie a riziko nie je tak\u00e9 ve\u013ek\u00e9. Peniaze si v\u00e4\u010d\u0161inou m\u00f4\u017eete\u00a0kedyko\u013evek vybra\u0165. V niektor\u00fdch pr\u00edpadoch v\u0161ak b\u00fdva nieko\u013eko ro\u010dn\u00e1 doba, kedy k peniazom m\u00f4\u017eete pr\u00eds\u0165 za poplatok.\u0160etrenie.Sporiaci \u00fa\u010det tu je u\u017e mnoho rokov. V dne\u0161nej dobe nepredstvuje \u017eaidne riziko straty na peniazoch. Nev\u00fdhodou v\u0161ak je n\u00edzky alebo takmer \u017eiadny \u00farok a infl\u00e1cia pe\u0148az\u00ed. Celo\u017eivotn\u00e9 \u0161etrenie bez zhodnotenia v\u00e1m o nieko\u013eko rokov bude predstavova\u0165 ove\u013ea ni\u017e\u0161iu hodnotu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sporenie na d\u00f4chodok","item":"https:\/\/www.cemis.sk\/sporenie-na-dochodok\/#breadcrumbitem"}]}]