[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ivvs.cz\/myslite-na-budoucnost-svych-deti\/#Article","mainEntityOfPage":"https:\/\/www.ivvs.cz\/myslite-na-budoucnost-svych-deti\/","headline":"Mysl\u00edte na budoucnost sv\u00fdch d\u011bt\u00ed?","name":"Mysl\u00edte na budoucnost sv\u00fdch d\u011bt\u00ed?","description":"P\u0159em\u00fd\u0161l\u00edte ale nad t\u00edm, \u017ee v\u00a0tomto sv\u011bt\u011b \u017eij\u00ed a budou nad\u00e1le \u017e\u00edt va\u0161e d\u011bti? Ka\u017ed\u00fd rok je v\u0161echno mnohem slo\u017eit\u011bj\u0161\u00ed, neust\u00e1le se m\u011bn\u00ed z\u00e1kony, p\u0159ib\u00fdvaj\u00ed nov\u00e9 a pro n\u00e1s je st\u00e1le t\u011b\u017e\u0161\u00ed n\u011bco z\u00edskat. A to rad\u0161i ani nemyslet, co bude za dal\u0161\u00edch 15 \u2013 20 let. Nap\u0159\u00edklad z\u00edsk\u00e1n\u00ed hypot\u00e9ky je pro dne\u0161n\u00ed mlad\u00e9 lidi ... <a href=\"https:\/\/www.ivvs.cz\/myslite-na-budoucnost-svych-deti\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Mysl\u00edte na budoucnost sv\u00fdch d\u011bt\u00ed?\"<\/span> &raquo;<\/a>","datePublished":"2023-05-26","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.ivvs.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ivvs.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ivvs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ivvs.cz\/wp-content\/uploads\/img_a295014_w2252_t1506677447.jpg","url":"https:\/\/www.ivvs.cz\/wp-content\/uploads\/img_a295014_w2252_t1506677447.jpg","height":0,"width":0},"url":"https:\/\/www.ivvs.cz\/myslite-na-budoucnost-svych-deti\/","wordCount":588,"articleBody":"P\u0159em\u00fd\u0161l\u00edte ale nad t\u00edm, \u017ee v\u00a0tomto sv\u011bt\u011b \u017eij\u00ed a budou nad\u00e1le \u017e\u00edt va\u0161e d\u011bti? Ka\u017ed\u00fd rok je v\u0161echno mnohem slo\u017eit\u011bj\u0161\u00ed, neust\u00e1le se m\u011bn\u00ed z\u00e1kony, p\u0159ib\u00fdvaj\u00ed nov\u00e9 a pro n\u00e1s je st\u00e1le t\u011b\u017e\u0161\u00ed n\u011bco z\u00edskat. A to rad\u0161i ani nemyslet, co bude za dal\u0161\u00edch 15 \u2013 20 let. Nap\u0159\u00edklad z\u00edsk\u00e1n\u00ed hypot\u00e9ky je pro dne\u0161n\u00ed mlad\u00e9 lidi st\u00e1le nemo\u017en\u011bj\u0161\u00ed, proto\u017ee se podm\u00ednky v\u00a0t\u00e9to oblasti neust\u00e1le zp\u0159\u00eds\u0148uj\u00ed. Znamen\u00e1 to, \u017ee na\u0161e d\u011bti u\u017e nebudou moct bydlet v\u016fbec? D\u016fchody jsou st\u00e1le mizern\u011bj\u0161\u00ed a odchod do d\u016fchodu se st\u00e1le oddaluje, tak\u017ee na\u0161e d\u011bti si d\u016fchod nebudou moci dovolit v\u016fbec? I toto mohou b\u00fdt d\u016fvody, pro\u010d bychom se m\u011bli zamyslet nad budoucnost\u00ed na\u0161ich ratolest\u00ed.Samoz\u0159ejm\u011b ale existuje spousta dal\u0161\u00edch d\u016fvod\u016f. P\u0159ejete si, aby va\u0161e d\u00edt\u011b studovalo? Aby mohlo jezdit na zahrani\u010dn\u00ed studijn\u00ed pobyty? Nebo jet pouze na kurz angli\u010dtiny do zahrani\u010d\u00ed? Jsou to kr\u00e1sn\u00e9 p\u0159edstavy. Snad ka\u017ed\u00fd rodi\u010d chce pro sv\u00e9 d\u00edt\u011b to nejlep\u0161\u00ed, co\u017e je naprosto norm\u00e1ln\u00ed. Ale v\u0161echno stoj\u00ed spoustu pen\u011bz.P\u0159esto\u017ee nev\u00edme, co z\u00a0d\u00edt\u011bte bude, a\u017e vyroste, je vhodn\u00e9 se na to v\u0161echno za\u010d\u00edt p\u0159ipravovat u\u017e od jejich \u00fatl\u00e9ho d\u011btstv\u00ed. Ide\u00e1ln\u011b hned od narozen\u00ed za\u010d\u00edt spo\u0159it. Prvn\u00ed \u0161et\u0159en\u00ed za\u010d\u00edn\u00e1 v\u011bt\u0161inou do pokladni\u010dky. Je super, \u017ee se alespo\u0148 n\u011bjak za\u010dne, ale z\u00a0dlouhodob\u00e9ho hlediska je to nev\u00fdhodn\u00fd zp\u016fsob. Tato varianta je ide\u00e1ln\u00ed pro to, aby si zde d\u011bti ukl\u00e1daly drobn\u00e9, co dostanou od babi\u010dek, teti\u010dek \u010di od rodi\u010d\u016f. Tyto pen\u00edze pak v\u011bt\u0161inou utr\u00e1c\u00ed za n\u011bjakou pro n\u011b smysluplnou v\u011bc. My ale hovo\u0159\u00edme o \u0161et\u0159en\u00ed do jejich dosp\u011blosti.1.\u00a0\u00a0\u00a0\u00a0\u00a0 Variantou mohou b\u00fdt spo\u0159ic\u00ed \u00fa\u010dty, kam m\u016f\u017eeme vkl\u00e1dat pen\u00edze. \u00darok na t\u011bchto \u00fa\u010dtech se ale v\u011bt\u0161inou pohybuje okolo procenta.2.\u00a0\u00a0\u00a0\u00a0\u00a0 Stavebn\u00ed spo\u0159en\u00edse tak\u00e9 st\u00e1le hojn\u011b vyu\u017e\u00edv\u00e1, pokud jste schopni ro\u010dn\u011b vlo\u017eit ur\u010ditou sumu pen\u011bz, vy\u010derp\u00e1te plnou st\u00e1tn\u00ed podporu plus n\u011bjak\u00e9 \u00faroky. Pozor ale! Pokud smlouvu uzav\u0159ete na jm\u00e9no d\u00edt\u011bte, do jeho plnoletosti nem\u00e1te pr\u00e1vo na tyto pen\u00edze s\u00e1hnout, pouze p\u0159es soud. Samoz\u0159ejm\u011b kdy\u017e spo\u0159\u00edme d\u011btem, nebudeme tyto pen\u00edze utr\u00e1cet za hlouposti. N\u011bkdy ale m\u016f\u017ee nastat takov\u00e1 \u017eivotn\u00ed situace, kdy se i tato mo\u017enost m\u016f\u017ee st\u00e1t nevyhnutelnou a na pen\u00edze budete muset s\u00e1hnout.3.\u00a0\u00a0\u00a0\u00a0\u00a0 Investicejsou st\u00e1le v\u00edce vyu\u017e\u00edvanou mo\u017enost\u00ed. Dok\u00e1\u017eou toti\u017e vyd\u011blat asi nejv\u00edce pen\u011bz. Zde si tak\u00e9 m\u016f\u017eete vybrat z\u00a0v\u00edce variant. Bu\u010f investovat do zlata, kter\u00e9 m\u00e1 v\u00a0podstat\u011b trvalou hodnotu a va\u0161e d\u011bti budou m\u00edt bohatstv\u00ed v\u00a0podob\u011b zlat\u00fdch slitk\u016f. D\u00e1le m\u016f\u017eeme investovat p\u0159es investi\u010dn\u00ed spole\u010dnosti do akci\u00ed \u010di dluhopis\u016f. Ka\u017ed\u00fd m\u00e1 jin\u00e9 mo\u017enosti, jin\u00e9 preference, d\u016fle\u017eit\u00e9 ale je, n\u011bco t\u011bm d\u011btem do \u017eivota p\u0159ipravit. Jist\u011b to ocen\u00ed a bude to pro n\u011b pom\u016fcka p\u0159i budov\u00e1n\u00ed jejich \u017eivota.                                                                                                                                                                                                                                                                                                                                                                                                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