[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.veritel.sk\/setrite-efektivne\/#Article","mainEntityOfPage":"https:\/\/www.veritel.sk\/setrite-efektivne\/","headline":"\u0160etrite efekt\u00edvne","name":"\u0160etrite efekt\u00edvne","description":"S\u00a0v\u00fdrazmi \u201esporiaci \u00fa\u010det\u201c a \u201eterm\u00ednovan\u00fd vklad\u201c, ste sa u\u017e asi stretli. Iba tieto finan\u010dn\u00e9 produkty sl\u00fa\u017eia na sporenie pe\u0148az\u00ed. Nie je ale \u00faplne jedno, pre ktor\u00fd z\u00a0nich sa rozhodnete. Ak ste v\u00a0tejto oblasti \u00fapln\u00fdm laikom, ur\u010dite sa pred rozhodnut\u00edm poriadne pora\u010fte priamo v\u00a0banke, alebo oslovte kamar\u00e1ta, ktor\u00fd u\u017e takto peniaze \u0161etril. Ak by ste sa...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.veritel.sk\/setrite-efektivne\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> &ldquo;\u0160etrite efekt\u00edvne&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2025-03-01","dateModified":"2025-03-01","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_a298633_w16748_t1553700953.jpg","url":"https:\/\/www.veritel.sk\/wp-content\/uploads\/img_a298633_w16748_t1553700953.jpg","height":0,"width":0},"url":"https:\/\/www.veritel.sk\/setrite-efektivne\/","wordCount":389,"articleBody":"S\u00a0v\u00fdrazmi \u201esporiaci \u00fa\u010det\u201c a \u201eterm\u00ednovan\u00fd vklad\u201c, ste sa u\u017e asi stretli. Iba tieto finan\u010dn\u00e9 produkty sl\u00fa\u017eia na sporenie pe\u0148az\u00ed. Nie je ale \u00faplne jedno, pre ktor\u00fd z\u00a0nich sa rozhodnete. Ak ste v\u00a0tejto oblasti \u00fapln\u00fdm laikom, ur\u010dite sa pred rozhodnut\u00edm poriadne pora\u010fte priamo v\u00a0banke, alebo oslovte kamar\u00e1ta, ktor\u00fd u\u017e takto peniaze \u0161etril. Ak by ste sa toti\u017e\u00a0 rozhodli nespr\u00e1vne, mohli by ste o\u00a0svoje financie pr\u00eds\u0165, teda aspo\u0148 o ich\u00a0podstatn\u00fa \u010das\u0165.\u00a0Sporiaci \u00fa\u010det aj term\u00ednovan\u00fd vklad maj\u00fa jednu z\u00e1sadn\u00fa v\u00fdhodu. Va\u0161e peniaze s\u00fa poisten\u00e9, a\u00a0to priamo \u0161t\u00e1tom.Z\u00e1kon toti\u017e stanovuje, \u017ee ak ni\u010d nezarob\u00edte nesmiete ani ni\u010d strati\u0165. Mohli by sme teda poveda\u0165, \u017ee sa v\u00e1m vr\u00e1ti sto percent z\u00a0toho, \u010do ste vlo\u017eili. Probl\u00e9mom je ale to, \u017ee toto poistenie plat\u00ed iba do sumy 3\u00a0500 eur. tak\u017ee ak by ste sa rozhodli vlo\u017ei\u0165 napr\u00edklad 5\u00a0000 eur a\u00a0veci by nevy\u0161li pod\u013ea va\u0161ich predst\u00e1v, vr\u00e1tilo by sa v\u00e1m iba 3\u00a0500 eur.\u00a0To, do akej v\u00fd\u0161ky m\u00f4\u017eete zhodnoti\u0165 svoje peniaze, z\u00e1le\u017e\u00ed od konkr\u00e9tnej banky. Pri sporiacom \u00fa\u010dte sa zisk v\u00e4\u010d\u0161inou pohybuje maxim\u00e1lne do dvoch percent. Ak by ste narazili na lep\u0161iu ponuku, ur\u010dite sa po nej vrhnite, preto\u017ee to nie je obvykl\u00e9. Pri term\u00ednovanom vklade m\u00e1te na v\u00fdber dve mo\u017enosti, a\u00a0to fixn\u00fa, alebo pohybliv\u00fa \u00farokov\u00fa sadzbu.\u00a0Sporiaci \u00fa\u010det je v\u00fdhodn\u00fd pre t\u00fdch, ktor\u00ed potrebuj\u00fa ma\u0165 svoje \u00faspory st\u00e1le po ruke a\u00a0navy\u0161e nechc\u00fa \u0161etri\u0165 dlh\u0161ie ako dvan\u00e1s\u0165 mesiacov.Pri tomto finan\u010dnom produkte, toti\u017e neplat\u00edte \u017eiadnu pokutu, ak sa svoje peniaze rozhodnete vybra\u0165 sk\u00f4r.\u00a0Sporiaci \u00fa\u010det dnes u\u017e v\u00a0mnoh\u00fdch bank\u00e1ch dostanete automaticky,\u00a0 k\u00a0svojmu be\u017en\u00e9mu bankov\u00e9mu \u00fa\u010dtu. Ak chcete peniaze pou\u017ei\u0165, jednoducho si ich sami prevediete a\u00a0m\u00f4\u017eete ich u\u017e\u00edva\u0165 o\u00a0p\u00e1r min\u00fat.\u00a0Term\u00ednovan\u00fd vklad je dobrou vo\u013ebou, ke\u010f svoje peniaze chcete zhodnocova\u0165 dlh\u0161ie a\u00a0ste si ist\u00ed, \u017ee ich nebudete potrebova\u0165 za kr\u00e1tku dobu. Peniaze toti\u017e v\u00a0tomto pr\u00edpade vklad\u00e1te na presne stanoven\u00fd \u010das. Vybra\u0165 si ich s\u00edce m\u00f4\u017eete sk\u00f4r, ale za pokutu.                                                                                                                                                                                                                                                                                                                                                                                                 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