{"id":265,"date":"2018-11-01T13:42:43","date_gmt":"2018-11-01T12:42:43","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=265"},"modified":"2018-11-01T14:01:57","modified_gmt":"2018-11-01T13:01:57","slug":"4-zivotni-situace-investori","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/4-zivotni-situace-investori\/","title":{"rendered":"4 \u017eivotn\u00ed situace, na kter\u00e9 jsou chyt\u0159\u00ed investo\u0159i p\u0159ipraveni"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/za73H3vk-qw?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/p>\n<h2>P\u0159epis videa<\/h2>\n<p>A v tomto videu v\u00e1m \u0159eknu o 4 situac\u00edch, kter\u00e9 je pot\u0159eba si p\u0159edstavit, kdy\u017e p\u0159em\u00fd\u0161l\u00edte o sv\u00e9 finan\u010dn\u00ed budoucnosti.<\/p>\n<p>Za\u010dneme u toho nejjednodu\u0161\u0161\u00edho.<\/p>\n<h3>1. situace &#8211; nezam\u011bstnanost<\/h3>\n<p>P\u0159edstavte si, \u017ee budete 4 m\u011bs\u00edce nezam\u011bstnan\u00ed.<\/p>\n<p>J\u00e1 v\u00edm, v dne\u0161n\u00ed dob\u011b mluvit o nezam\u011bstnanosti je skoro nep\u0159edstaviteln\u00e9. Ale pl\u00e1novat budoucnost je t\u0159eba nejen na dobr\u00e9 \u010dasy, jak\u00e9 m\u00e1me dnes, ale pr\u00e1v\u011b i na \u010dasy zl\u00e9.<\/p>\n<p>Tak\u017ee, kdy\u017e nebudete m\u00edt 4 m\u011bs\u00edce p\u0159\u00edjmy, kolik pen\u011bz v\u00e1m bude chyb\u011bt v dom\u00e1c\u00ed rozpo\u010dtu?<br \/>\nA jak tento deficit pokryjete?<br \/>\nBude V\u00e1m chyb\u011bt 50 tis\u00edc?<br \/>\n100 tis\u00edc?<br \/>\n200 tis\u00edc, nebo v\u00edc?<\/p>\n<p>Spo\u010d\u00edtejte si toto \u010d\u00edslo, spo\u010d\u00edtejte si kolik v\u00e1m bude chyb\u011bt a dejte si takovou \u010d\u00e1stku stranou.<\/p>\n<p>A\u0165 m\u00e1te rezervu. Proto\u017ee \u017e\u00e1dn\u00e1 pojistka v\u00e1m v\u00fdpadek p\u0159\u00edjm\u016f tohoto typu nepokryje.<\/p>\n<p>Poj\u010fme si te\u010f p\u0159edstavit n\u011bco dal\u0161\u00edho.<\/p>\n<h3>2. situace &#8211; \u00famrt\u00ed<\/h3>\n<p>P\u0159edstavte si, \u017ee ekonomicky d\u016fle\u017eit\u011bj\u0161\u00ed \u010dlen va\u0161\u00ed rodiny zem\u0159e.<\/p>\n<p>Jak se zm\u011bn\u00ed \u017eivot va\u0161\u00ed rodiny? Ne po t\u00e9 lidsk\u00e9 str\u00e1nce, ale po t\u00e9 finan\u010dn\u00ed.<br \/>\nBudou v\u00e1m chyb\u011bt n\u011bjak\u00e9 pen\u00edze v dom\u00e1c\u00edm rozpo\u010dtu?<\/p>\n<p>Pokud pen\u00edze chyb\u011bt nebudou, nemus\u00ed m\u00edt ekonomicky d\u016fle\u017eit\u011bj\u0161\u00ed osoba ve va\u0161\u00ed rodin\u011b \u017e\u00e1dn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Mo\u017en\u00e1 m\u00e1te dostatek majetku a to je nejlep\u0161\u00ed pojistka.Pokud v\u00e1m ten majetek generuje pasivn\u00ed p\u0159\u00edjem.<\/p>\n<p>Pokud ale n\u011bjak\u00e9 pen\u00edze chyb\u011bt budou, je pot\u0159eba v\u011bd\u011bt kolik to bude, spo\u010d\u00edtat si to a pojistit se pro p\u0159\u00edpad \u00famrt\u00ed.<\/p>\n<p>My pojistky ne\u0159e\u0161\u00edme, ale rozum\u00edme tomuto t\u00e9matu. A proto v\u00e1m mohu \u0159\u00edct, \u017ee pro p\u0159\u00edpad \u00famrt\u00ed se na miliony korun pojist\u00edte za stokoruny m\u011bs\u00ed\u010dn\u011b.<\/p>\n<p>Nenechte si tedy vnutit poji\u0161t\u011bn\u00ed, kter\u00e9 stoj\u00ed tis\u00edcovky m\u011bs\u00ed\u010dn\u011b, ale pojist\u00ed v\u00e1s pro p\u0159\u00edpad \u00famrt\u00ed jenom na statis\u00edce.<\/p>\n<p>A p\u0159edstavte si je\u0161t\u011b jeden n\u00e1ro\u010dn\u011bj\u0161\u00ed sc\u00e9n\u00e1\u0159 a situaci.<\/p>\n<h3>3. situace &#8211; invalidita<\/h3>\n<p>Ekonomicky nejd\u016fle\u017eit\u011bj\u0161\u00ed \u010dlen va\u0161\u00ed rodiny se stane invalidn\u00ed. Nebude moci vyd\u011bl\u00e1vat t\u00e9m\u011b\u0159 \u017e\u00e1dn\u00e9 pen\u00edze, a je\u0161t\u011b nav\u00edc bude pot\u0159eba financovat jeho speci\u00e1ln\u00ed pot\u0159eby.<\/p>\n<p>Jak to finan\u010dn\u011b zvl\u00e1dnete?<\/p>\n<p>Pokud nem\u00e1te dost majetku, je pot\u0159eba m\u00edt i na tento p\u0159\u00edpad poji\u0161t\u011bn\u00ed.<\/p>\n<p>Poji\u0161t\u011bn\u00ed invalidity. A toto poji\u0161t\u011bn\u00ed se d\u00e1 tak\u00e9 po\u0159\u00eddit za rozumn\u00e9 pen\u00edze.<\/p>\n<p>Tady v\u00e1s milionov\u00e9 pojistky budou st\u00e1t mo\u017en\u00e1 u\u017e mal\u00e9 jednotky tis\u00edc\u016f m\u011bs\u00ed\u010dn\u011b, ale stoj\u00ed to za to.<\/p>\n<p>A te\u010f si p\u0159edstavte posledn\u00ed sc\u00e9n\u00e1\u0159.<\/p>\n<h3>4. situace &#8211; penze<\/h3>\n<p>P\u0159edstavte si, \u017ee cel\u00fd \u017eivot p\u0159e\u017eijete. Ve zdrav\u00ed. A jednoho dne p\u0159ijde okam\u017eik, kdy p\u0159estanete pracovat.<\/p>\n<p>Jak udr\u017e\u00edte va\u0161\u00ed \u017eivotn\u00ed \u00farove\u0148?<br \/>\nCo u\u017e dnes d\u011bl\u00e1te proto, abyste j\u00ed udr\u017eeli?<br \/>\nV\u00edte, kolik na n\u00ed budete pot\u0159ebovat pen\u011bz?<\/p>\n<p>Na rentu 30 tis\u00edc, nekone\u010dnou, re\u00e1lnou, budete pot\u0159eba m\u00edt zhruba 10 milion\u016f korun.<br \/>\nJak se k nim dostanete?<\/p>\n<p>Kdy\u017e si tyto ot\u00e1zky polo\u017e\u00edte dostate\u010dnou dobu p\u0159edem, a m\u00e1te na jejich spln\u011bn\u00ed 15-20 let, tak se nemus\u00edte b\u00e1t.<\/p>\n<h3>P\u0159ipraveni?!<\/h3>\n<p>A pokud projdete v\u0161echny tyto sc\u00e9n\u00e1\u0159e a p\u0159edstav\u00edte si, jak se budete chovat, kdy\u017e n\u011bkter\u00fd z nich nastane, tak v\u00e1s v \u017eivot\u011b, v tom finan\u010dn\u00edm, u\u017e nic dramatick\u00e9ho nemus\u00ed p\u0159ekvapit.<\/p>\n<p>Tak\u017ee vemte si sklenici v\u00edna, nalejte si j\u00ed s partnerem nebo partnerkou, p\u0159edstavte si ty sc\u00e9n\u00e1\u0159e a potom jednejte.<\/p>\n<p>Dokud nebudete m\u00edt rezervu, a rozumn\u00e9 pojistky, rad\u011bji neinvestujte.<br \/>\nAby se v\u00e1m nestalo, \u017ee z dlouhodob\u00fdch investic budete muset ut\u00edkat, nebo vyb\u00edrat pen\u00edze v nep\u0159\u00edzniv\u00fdch \u010dasech, v \u010dasech pokles\u016f.<\/p>\n<p>Jen kv\u016fli tomu, \u017ee nem\u00e1te rezervu nebo pojistku za p\u00e1r korun.<\/p>\n<p>Investujte sv\u016fj \u010das, energii i pen\u00edze s rozvahou a dlouhodob\u011b!<\/p>\n<h3>S jak\u00fdmi sc\u00e9n\u00e1\u0159i po\u010d\u00edt\u00e1te ve sv\u00e9 finan\u010dn\u00ed budoucnosti?<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>\u017divot na n\u00e1s \u010dasto nachyst\u00e1 n\u011bjak\u00e9 p\u0159ekvapen\u00ed, kter\u00e9 m\u016f\u017ee po\u0159\u00e1dn\u011b zacvi\u010dit s financemi.<br \/>\nAsi se nep\u0159iprav\u00edte na v\u0161echny, ale je dobr\u00e9 po\u010d\u00edtat s t\u011bmi nej\u010dast\u011bj\u0161\u00edmi a nejbolestiv\u011bj\u0161\u00edmi.<\/p>\n","protected":false},"author":2,"featured_media":271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-265","post","type-post","status-publish","format-video","has-post-thumbnail","category-video-tipy","post_format-post-format-video","entry"],"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/265","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=265"}],"version-history":[{"count":5,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/265\/revisions"}],"predecessor-version":[{"id":273,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/265\/revisions\/273"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/271"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=265"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=265"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=265"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}