[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zucb.cz\/tri-kroky-k-udrzeni-zivotni-urovne\/#Article","mainEntityOfPage":"https:\/\/www.zucb.cz\/tri-kroky-k-udrzeni-zivotni-urovne\/","headline":"T\u0159i kroky k udr\u017een\u00ed \u017eivotn\u00ed \u00farovn\u011b","name":"T\u0159i kroky k udr\u017een\u00ed \u017eivotn\u00ed \u00farovn\u011b","description":"Krok \u010d\u00edslo jedna: Zaji\u0161t\u011bn\u00ed Zaji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed jsou \u010dasto opakovan\u00e1, mnoh\u00fdmi opom\u00edjen\u00e1 slova. Jak je mo\u017en\u00e9, \u017ee si ka\u017ed\u00fd pojistn\u00ed sv\u00e9 auto, v\u011bt\u0161ina z n\u00e1s bydlen\u00ed, ale do zaji\u0161t\u011bn\u00ed sv\u00e9ho vlastn\u00edho \u017eivota se n\u00e1m investovat nechce? A p\u0159itom jeho hodnota je ur\u010dit\u011b v\u011bt\u0161\u00ed ne\u017e hodnota v\u0161ech materi\u00e1ln\u00edch statk\u016f. P\u0159edstavte si situaci, kdy sice m\u00e1te perfektn\u011b...","datePublished":"2019-12-23","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.zucb.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zucb.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zucb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zucb.cz\/wp-content\/uploads\/img_a362637_w4347_t1575733261.jpg","url":"https:\/\/www.zucb.cz\/wp-content\/uploads\/img_a362637_w4347_t1575733261.jpg","height":0,"width":0},"url":"https:\/\/www.zucb.cz\/tri-kroky-k-udrzeni-zivotni-urovne\/","about":["Finance"],"wordCount":870,"articleBody":"Krok \u010d\u00edslo jedna: Zaji\u0161t\u011bn\u00ed Zaji\u0161t\u011bn\u00ed nebo poji\u0161t\u011bn\u00ed jsou \u010dasto opakovan\u00e1, mnoh\u00fdmi opom\u00edjen\u00e1 slova. Jak je mo\u017en\u00e9, \u017ee si ka\u017ed\u00fd pojistn\u00ed sv\u00e9 auto, v\u011bt\u0161ina z n\u00e1s bydlen\u00ed, ale do zaji\u0161t\u011bn\u00ed sv\u00e9ho vlastn\u00edho \u017eivota se n\u00e1m investovat nechce? A p\u0159itom jeho hodnota je ur\u010dit\u011b v\u011bt\u0161\u00ed ne\u017e hodnota v\u0161ech materi\u00e1ln\u00edch statk\u016f. P\u0159edstavte si situaci, kdy sice m\u00e1te perfektn\u011b poji\u0161t\u011bn\u00fd d\u016fm, ale vlivem nemoci nebo \u00farazu p\u0159ijdete o sv\u016fj p\u0159\u00edjem a nem\u00e1te na spl\u00e1tky hypot\u00e9ky. Slo\u017eenky v\u00e1m budou chodit a\u0165 u\u017e jste zdrav\u00ed, nemocn\u00ed, nebo t\u0159eba po t\u011b\u017ek\u00e9m \u00farazu. Tak\u017ee prvn\u00ed, na co byste m\u011bli myslet, je zajistit sami sebe pro p\u0159\u00edpad v\u00fdpadku p\u0159\u00edjm\u016f. Kdy\u017e budete p\u0159em\u00fd\u0161let nad svoj\u00ed pojistkou, poctiv\u011b si zodpov\u011bzte, co by pro v\u00e1z znamenalo, kdybyste se museli spolehnout jen na nemocenskou ( cca 60% va\u0161eho platu) nebo invalidn\u00ed d\u016fchod ( cca 50% va\u0161eho platu). A pokud jste OSV\u010c, tak po\u010d\u00edtejte s t\u00edm, \u017ee dostanete je\u0161t\u011b m\u00e9n\u011b. Zauva\u017eujte nad t\u00edm, jestli je n\u011bkdo z\u00e1visl\u00fd na va\u0161em p\u0159\u00edjmu, jestli m\u00e1te z\u00e1vazky a hlavn\u011b, zda rezervy, kter\u00e9 si vytv\u00e1\u0159\u00edte, chcete pou\u017e\u00edt na platby inkasa, nebo si spo\u0159\u00edte na dovolenou nebo nov\u00e9 auto. Pokud jste zjistili, \u017ee n\u011bkter\u00e1 z t\u011bchto situac\u00ed by v\u00e1m p\u0159inesla probl\u00e9my, obratem si nejd\u011bte d\u016fv\u011bryhodnou poji\u0161\u0165ovnu nebo poradce, a v\u0161e s n\u00edm proberte.  By\u0165 je obecn\u011b roz\u0161\u00ed\u0159en\u00e1 my\u0161lenka, \u017ee poji\u0161\u0165ovny v p\u0159\u00edpad\u011b nouze nepom\u016f\u017eou a poradci to d\u011blaj\u00ed jen pro vlastn\u00ed pen\u011b\u017eenku, nev\u011b\u0159te tomu. Spr\u00e1vn\u011b nastaven\u00e1 pojistka nejen \u017ee pom\u016f\u017ee, ale m\u016f\u017ee v\u00e1m dop\u0159\u00e1t klidn\u00fd sp\u00e1nek i ve chv\u00edl\u00edch, kdy v\u00e1m \u017eivot p\u0159in\u00e1\u0161\u00ed jen nep\u0159\u00edjemn\u00e1 p\u0159ekvapen\u00ed. A je\u0161t\u011b p\u00e1r tip\u016f. Ka\u017ed\u00e9 zaji\u0161t\u011bn\u00ed je nutn\u00e9 jednou za t\u0159i a\u017e p\u011bt let aktualizovat. Tak, jak se m\u011bn\u00ed va\u0161e \u017eivotn\u00ed situace, tak se m\u011bn\u00ed i pojistn\u00e9 produkty. V\u00fdvoj je nezastaviteln\u00fd a to, co bylo skv\u011bl\u00e9 v devades\u00e1t\u00fdch letech, je dnes u\u017e zcela p\u0159ekonan\u00e9. Pokud se sv\u00e9mu poji\u0161t\u011bn\u00ed nebudete v\u011bnovat, m\u016f\u017ee se st\u00e1t, \u017ee skute\u010dn\u011b zastar\u00e1 a vy p\u0159ijdete o v\u00fdhody, kter\u00e9 jste mohli m\u00edt. Krok \u010d\u00edslo dv\u011b: Uspo\u0159en\u00ed Pod\u00edvejte se na v\u0161echny finan\u010dn\u00ed produkty, kter\u00e9 vyu\u017e\u00edv\u00e1te. Nen\u00ed mo\u017en\u00e9 n\u011bco ud\u011blat levn\u011bji? Nebo za stejn\u00e9 pen\u00edze l\u00e9pe? Ano, ur\u010dit\u011b to zabere n\u011bjak\u00fd \u010das, ale m\u016f\u017ee to st\u00e1t za to. Za\u010dn\u011bme bankovn\u00edm \u00fa\u010dtem. Plat\u00edte za n\u011bj je\u0161t\u011b poplatky? Kolik v\u00e1s stoj\u00ed v\u00fdb\u011br z bankomatu? A co odchoz\u00ed a p\u0159\u00edchoz\u00ed platby? Plat\u00edte za n\u011b? Nikomu z n\u00e1s se nechce m\u011bnit bankovn\u00ed \u00fa\u010det. P\u0159edev\u0161\u00edm kdy\u017e na n\u011bm m\u00e1me zaveden\u00e9 trval\u00e9 p\u0159\u00edkazy, chod\u00ed n\u00e1m sem v\u00fdplata a jsme tak n\u011bjak na n\u011bj u\u017e zvykl\u00ed. Pokud ale chcete to nejlep\u0161\u00ed, stoj\u00ed za to tomu d\u00e1t trochu \u00fasil\u00ed a energie. To sam\u00e9 plat\u00ed u poji\u0161t\u011bn\u00ed. Na internetu je ji\u017e dnes k m\u00e1n\u00ed velk\u00e9 mno\u017estv\u00ed srovn\u00e1va\u010d\u016f. Zkuste je vyu\u017e\u00edt a alespo\u0148 z\u00edsk\u00e1te p\u0159ehled o tom, jestli skute\u010dn\u011b neplat\u00edte o stokoruny nebo tis\u00edcovky v\u00edce, ne\u017e by bylo nutn\u00e9. Minim\u00e1ln\u011b si pravideln\u011b upravujte havarijn\u00ed poji\u0161t\u011bn\u00ed. Cena vozidla v pr\u016fb\u011bhu let kles\u00e1, ale pojistku m\u00e1te st\u00e1le na p\u016fvodn\u00ed \u010d\u00e1stku. Poji\u0161\u0165ovna v\u00e1m to sama neuprav\u00ed. Tak\u017ee nezb\u00fdv\u00e1, ne\u017e abyste se o to postarali sami.  Krok \u010d\u00edslo t\u0159i: Zhodnocen\u00ed Pokud m\u00e1te vy\u0159e\u0161eny prvn\u00ed dva body, m\u016f\u017eete se v\u011bnovat tomu t\u0159et\u00edmu. Jak zhodnotit sv\u00e9 finance? V\u017edycky p\u0159em\u00fd\u0161lejte nad t\u00edm, \u017ee je dobr\u00e9 m\u00edt kr\u00e1tkodobou rezervu v podob\u011b dvou a\u017e t\u0159\u00ed m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edjm\u016f. Tyto pen\u00edze by m\u011bly b\u00fdt rychle a jednodu\u0161e k dispozici. To ostatn\u00ed tvo\u0159\u00ed dlouhodobou rezervu a zde byste u\u017e m\u011bli p\u0159em\u00fd\u0161let nad t\u00edm, kam sv\u00e9 pen\u00edze um\u00edst\u00edte. D\u016fle\u017eit\u00e9 je, aby v\u00e1m je nepo\u017e\u00edrala inflace. A to spo\u0159\u00edc\u00ed \u00fa\u010det ani term\u00ednovan\u00fd vklad nezajist\u00ed. Nebojte se vyu\u017e\u00edt investov\u00e1n\u00ed do pod\u00edlov\u00fdch fond\u016f. Tento zp\u016fsob zhodnocov\u00e1n\u00ed pen\u011bz je bezpe\u010dn\u00fd a vyu\u017e\u00edvan\u00fd ve v\u0161ech vysp\u011bl\u00fdch zem\u00edch. Ale pokud s t\u00edm nem\u00e1te zku\u0161enosti, nechte si rad\u011bji poradit. A hlavn\u011b, nezapome\u0148te na zlat\u00e9 pravidlo deseti. Deset procent va\u0161ich p\u0159\u00edjm\u016f byste m\u011bli b\u00fdt schopni uspo\u0159it, deset procent investujte do sebe a t\u011bch zbyl\u00fdch osmdes\u00e1t by v\u00e1m m\u011blo sta\u010dit k b\u011b\u017en\u00e9mu fungov\u00e1n\u00ed.                                                                                                                                                                                                                                                                                                                                                                                         4.2\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"T\u0159i kroky k udr\u017een\u00ed \u017eivotn\u00ed \u00farovn\u011b","item":"https:\/\/www.zucb.cz\/tri-kroky-k-udrzeni-zivotni-urovne\/#breadcrumbitem"}]}]