[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.veritel.sk\/preco-a-aku-penaznu-rezervu-si-vytvorit\/#Article","mainEntityOfPage":"https:\/\/www.veritel.sk\/preco-a-aku-penaznu-rezervu-si-vytvorit\/","headline":"PRE\u010cO A AK\u00da PE\u0147A\u017dN\u00da REZERVU SI VYTVORI\u0164","name":"PRE\u010cO A AK\u00da PE\u0147A\u017dN\u00da REZERVU SI VYTVORI\u0164","description":"Ak hovor\u00edme o pe\u0148a\u017enej, alebo finan\u010dnej rezerve m\u00e1me na mysli ur\u010dit\u00fa finan\u010dn\u00fa sumu, ktor\u00e1 n\u00e1s m\u00e1 ochr\u00e1ni\u0165 v pr\u00edpade nepriazniv\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch. Finan\u010dnou rezervou s\u00fa nielen nasporen\u00e9 peniaze s nieko\u013ekoro\u010dnou v\u00fdpovednou lehotou, ale aj peniaze, ku ktor\u00fdm m\u00e1me pr\u00edstup v\u00a0r\u00e1mci nieko\u013ek\u00fdch dn\u00ed, alebo ihne\u010f. Pe\u0148a\u017en\u00fa rezervu mo\u017eno potom pou\u017ei\u0165 v neo\u010dak\u00e1van\u00fdch situ\u00e1ci\u00e1ch ako je napr\u00edklad...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.veritel.sk\/preco-a-aku-penaznu-rezervu-si-vytvorit\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> &ldquo;PRE\u010cO A AK\u00da PE\u0147A\u017dN\u00da REZERVU SI VYTVORI\u0164&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2025-02-25","dateModified":"2025-02-25","author":{"@type":"Person","@id":"https:\/\/www.veritel.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.veritel.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"veritel.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.veritel.sk\/wp-content\/uploads\/img_a280199_w2006_t1493144304.png","url":"https:\/\/www.veritel.sk\/wp-content\/uploads\/img_a280199_w2006_t1493144304.png","height":0,"width":0},"url":"https:\/\/www.veritel.sk\/preco-a-aku-penaznu-rezervu-si-vytvorit\/","wordCount":508,"articleBody":"Ak hovor\u00edme o pe\u0148a\u017enej, alebo finan\u010dnej rezerve m\u00e1me na mysli ur\u010dit\u00fa finan\u010dn\u00fa sumu, ktor\u00e1 n\u00e1s m\u00e1 ochr\u00e1ni\u0165 v pr\u00edpade nepriazniv\u00fdch \u017eivotn\u00fdch situ\u00e1ci\u00e1ch. Finan\u010dnou rezervou s\u00fa nielen nasporen\u00e9 peniaze s nieko\u013ekoro\u010dnou v\u00fdpovednou lehotou, ale aj peniaze, ku ktor\u00fdm m\u00e1me pr\u00edstup v\u00a0r\u00e1mci nieko\u013ek\u00fdch dn\u00ed, alebo ihne\u010f.Pe\u0148a\u017en\u00fa rezervu mo\u017eno potom pou\u017ei\u0165 v neo\u010dak\u00e1van\u00fdch situ\u00e1ci\u00e1ch ako je napr\u00edklad strata zamestnania, choroba, porucha zariadenia v dom\u00e1cnosti, n\u00e1hle v\u00fddavky na deti alebo oprava nab\u00faran\u00e9ho auta. V takom pr\u00edpade potom nebudeme musie\u0165 zh\u00e1\u0148a\u0165 peniaze po zn\u00e1mych, ani od \u00faverov\u00fdch spolo\u010dnost\u00ed, ktor\u00e9 situ\u00e1cie vyu\u017e\u00edvaj\u00fa a pon\u00fakaj\u00fa ve\u013emi nev\u00fdhodn\u00e9 \u00faro\u010denia, ktor\u00e9 n\u00e1s m\u00f4\u017eu privies\u0165 a\u017e do exek\u00facie.Finan\u010dn\u00e9 rezervy mo\u017eno rozdeli\u0165 na 3 z\u00e1kladn\u00e9 druhy. Minim\u00e1lne t\u00fa prv\u00fa, by mal ma\u0165 ka\u017ed\u00fd.\u00a0Kr\u00e1tkodob\u00e1 pe\u0148a\u017en\u00e1 rezerva\uf02d T\u00e1to rezerva je z\u00e1kladn\u00e1 a najd\u00f4le\u017eitej\u0161ia, t\u00fa by mal ma\u0165 naozaj ka\u017ed\u00fd.\uf02d Pokr\u00fdva \u010diasto\u010dn\u00fd, alebo \u00fapln\u00fd v\u00fdpadok na\u0161ich pr\u00edjmov, alebo nepl\u00e1novan\u00e9 v\u00fddavky.\uf02d Rezerva by mala by\u0165 vo v\u00fd\u0161ke 1-3 mesa\u010dn\u00fdch platov.\uf02d Napr\u00edklad pre rodinu o 4 \u010dlenoch by sa mala pohybova\u0165 okolo 4 500 eur pre polro\u010dn\u00e9 \u017eitie.\uf02d Nie je vhodn\u00e9 peniaze uklada\u0165 na be\u017en\u00fd \u00fa\u010det, kde n\u00e1m ub\u00fadaj\u00fa v\u010faka poplatkom a \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0infl\u00e1cii.\uf02d Peniaze, tvoriace rezervu ulo\u017e\u00edme rad\u0161ej napr\u00edklad na sporiaci \u00fa\u010det, ktor\u00fd b\u00fdva v\u00e4\u010d\u0161inou zadarmo a naviac mal\u00e9 \u00faro\u010denie n\u00e1m vyrovn\u00e1 stratu z infl\u00e1cie.\u00a0Strednodob\u00e1 pe\u0148a\u017en\u00e1 rezerva\uf02d Zais\u0165uje pr\u00edpadn\u00fa mo\u017enos\u0165 uhradenia n\u00e1kladov na 1-5 rokov.\uf02d Mo\u017eno zaplati\u0165 aj v\u00e4\u010d\u0161ie neo\u010dak\u00e1van\u00e9 v\u00fddavky bez dlhu.\uf02d V\u00fdhodou je, \u017ee na vytvorenie tejto pe\u0148a\u017enej rezervy je viac \u010dasu.\uf02d M\u00f4\u017eeme ju potom pou\u017ei\u0165 na n\u00e1ro\u010dnej\u0161iu dovolenku, invest\u00edciu do b\u00fdvania, alebo ne\u010dakan\u00e9 v\u00fddavky spojen\u00e9 s \u00farazom \u010di chorobou trvaj\u00facou dlh\u0161ie ako 1 rok.\uf02d V\u00fd\u0161ka tejto rezervy by mala by\u0165 pribli\u017ene dvojn\u00e1sobne vy\u0161\u0161ia ako rezerva kr\u00e1tkodob\u00e1.\uf02d T\u00e1to rezerva nemus\u00ed by\u0165 dostupn\u00e1 ihne\u010f, preto ju m\u00f4\u017eeme ulo\u017ei\u0165 aj dlhodobej\u0161ie na sporiaci \u00fa\u010det, term\u00ednovan\u00fd vklad, alebo do r\u00f4znych pe\u0148a\u017en\u00fdch fondov.\u00a0Dlhodob\u00e1 pe\u0148a\u017en\u00e1 rezerva\uf02d V\u00fd\u0161ka tejto rezervy a peniaze v nej ulo\u017een\u00e9 by mali pokry\u0165 n\u00e1klady na \u017eivot v dlh\u0161om obdob\u00ed ako 5 rokov.\uf02d Tento tret\u00ed druh finan\u010dnej rezervy je naj\u0165a\u017e\u0161ie a najn\u00e1ro\u010dnej\u0161ie vytvori\u0165.\uf02d Uplat\u0148uje sa na pokrytie n\u00e1kladov napr. v d\u00f4chodkovom veku, alebo na vzdel\u00e1vanie det\u00ed \u010di vn\u00fa\u010dat, alebo napr\u00edklad pri trval\u00fdch n\u00e1sledkoch \u00farazu.\uf02d Pri jej vytv\u00e1ran\u00ed je vhodn\u00e9 sa obr\u00e1ti\u0165 na odborn\u00edka na invest\u00edcie kapit\u00e1lov\u00e9ho trhu.                                                                                                                                                                                                                                                                                                                                                                                                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