{"id":288,"date":"2018-11-22T14:50:33","date_gmt":"2018-11-22T13:50:33","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=288"},"modified":"2018-11-29T13:31:49","modified_gmt":"2018-11-29T12:31:49","slug":"hrnickova-metoda-sporeni","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/hrnickova-metoda-sporeni\/","title":{"rendered":"3 situace, kdy je lep\u0161\u00ed vyu\u017e\u00edt hrn\u00ed\u010dkovou metodu spo\u0159en\u00ed ne\u017e finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/OpHrvkuaLeA?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>V tomto videu se s v\u00e1mi pod\u011bl\u00edm o t\u0159i situace, ve kter\u00fdch je hrn\u00ed\u010dkov\u00e1, nebo jinak \u0159e\u010deno ob\u00e1lkov\u00e1 metoda spo\u0159en\u00ed na c\u00edle lep\u0161\u00ed ne\u017e nejlep\u0161\u00ed investi\u010dn\u00ed pl\u00e1n.<\/p>\n<p>P\u0159ipravovat se na budoucnost z finan\u010dn\u00edho pohledu se d\u00e1 r\u016fzn\u00fdmi zp\u016fsoby.<\/p>\n<p>Je k tomu mo\u017en\u00e9 vyu\u017e\u00edt finan\u010dn\u00ed nebo investi\u010dn\u00ed pl\u00e1n, co\u017e u\u017e je dnes \u010dasto docela standardn\u00ed \u0159e\u0161en\u00ed, ale tak\u00e9 lze pen\u00edze d\u00e1vat do hrn\u00ed\u010dk\u016f, nebo ob\u00e1lek, jako to d\u011blaly na\u0161e babi\u010dky.<\/p>\n<p>V jednom hrn\u00ed\u010dku nebo ob\u00e1lce m\u011bly pen\u00edze na n\u00e1jem, v jin\u00e9m na elekt\u0159inu, v jednom dokonce t\u0159eba na poh\u0159eb.<\/p>\n<p>N\u011bkdo se nad t\u00edmto zp\u016fsobem p\u0159\u00edpravy na budouc\u00ed v\u00fddaje dnes pousm\u011bje, ale takov\u00e1 hrn\u00ed\u010dkov\u00e1 nebo ob\u00e1lkov\u00e1 metoda m\u00e1 podle m\u00e9ho n\u00e1zoru i dnes sv\u00e9 docela zaj\u00edmav\u00e9 opodstatn\u011bn\u00ed.<\/p>\n<p>Samoz\u0159ejm\u011b p\u0159i n\u00ed nemus\u00edte pou\u017e\u00edvat hrn\u00ed\u010dky nebo ob\u00e1lky.<\/p>\n<p>N\u011bkdy sta\u010d\u00ed si zalo\u017eit zdarma dal\u0161\u00ed \u00fa\u010dty, t\u0159eba v n\u011bjak\u00e9 n\u00edzkon\u00e1kladov\u00e9 bance.<\/p>\n<p>Kdy je tedy hrn\u00ed\u010dkov\u00e1 nebo ob\u00e1lkov\u00e1 metoda lep\u0161\u00edm \u0159e\u0161en\u00edm, ne\u017e sofistikovan\u00fd investi\u010dn\u00ed pl\u00e1n?<\/p>\n<h2>1. Pro lep\u0161\u00ed discipl\u00ednu<\/h2>\n<p>Hrn\u00ed\u010dkov\u00e1 metoda je lep\u0161\u00edm \u0159e\u0161en\u00edm, kdy\u017e pot\u0159ebujete zlep\u0161it osobn\u00ed discipl\u00ednu p\u0159i zach\u00e1zen\u00ed s pen\u011bzi.<\/p>\n<p>Co to znamen\u00e1?<\/p>\n<p>N\u011bkdo je takov\u00fd, \u017ee dokud vid\u00ed pen\u00edze na \u00fa\u010dtu, tak je utr\u00e1c\u00ed a nemysl\u00ed na budoucnost.<\/p>\n<p>Pokud se v\u00e1m to st\u00e1v\u00e1 a budoucnost je pro v\u00e1s tak\u00e9 d\u016fle\u017eit\u00e1, nau\u010dte se d\u00e1t pen\u00edze stranou na budoucnost d\u0159\u00edve, ne\u017e je ka\u017ed\u00fd m\u011bs\u00edc za\u010dnete utr\u00e1cet.<\/p>\n<p>Dejte si \u010d\u00e1st pen\u011bz do hrn\u00ed\u010dk\u016f na r\u016fzn\u00e9 c\u00edle, nebo je p\u0159epo\u0161lete na \u00fa\u010dty, na kter\u00fdch na tyto c\u00edle budete spo\u0159it.<\/p>\n<p>Ide\u00e1ln\u00ed je, kdy\u017e si ty hrn\u00ed\u010dky, ob\u00e1lky nebo \u00fa\u010dty pojmenujete jm\u00e9nem c\u00edle, na kter\u00e9 jsou pen\u00edze ur\u010deny.<\/p>\n<p>To v\u00e1m bude neust\u00e1le p\u0159ipom\u00ednat, pro\u010d vlastn\u011b \u010d\u00e1st pen\u011bz d\u00e1v\u00e1te stranou, pro\u010d je neutrat\u00edte v\u0161echny hned.<\/p>\n<p>Pokud na m\u00edsto hrn\u00ed\u010dk\u016f, nebo ob\u00e1lek budete pou\u017e\u00edvat bankovn\u00ed \u00fa\u010dty, vyu\u017eijte \u00fa\u010dty, ze kter\u00fdch nem\u016f\u017eete pen\u00edze tzv. st\u00e1hnout pomoc\u00ed platebn\u00ed karty.<\/p>\n<p>To povede k tomu, \u017ee budete d\u011blat m\u00e9n\u011b impulzivn\u00edch n\u00e1kup\u016f a najednou v\u00e1m za\u010dnou zb\u00fdvat pen\u00edze pr\u00e1v\u011b i na tu va\u0161i budoucnost.<\/p>\n<h2>2. Pro men\u0161\u00ed finan\u010dn\u00ed c\u00edle<\/h2>\n<p>Za druh\u00e9, je hrn\u00ed\u010dkov\u00e1 metoda tak\u00e9 lep\u0161\u00ed metodou, kdy\u017e pl\u00e1nujete men\u0161\u00ed, \u0159\u00e1dov\u011b desetitis\u00edcov\u00e9 c\u00edle, za krat\u0161\u00ed dobu. Nap\u0159\u00edklad pl\u00e1nujete si po\u0159\u00eddit televizi. Nebo novou pra\u010dku a su\u0161i\u010dku.<\/p>\n<p>A to v \u0159\u00e1dech t\u00fddn\u016f, m\u011bs\u00edc\u016f, nebo do 1 \u010di 2 let.<\/p>\n<p>Prost\u011b si rozpo\u010d\u00edtejte, kolik mus\u00edte d\u00e1t stranou ka\u017ed\u00fd m\u011bs\u00edc, abyste na dan\u00fd c\u00edl za n\u011bjakou dobu pen\u00edze m\u011bli, a odkl\u00e1dejte je.<\/p>\n<p>Pro\u010d je lep\u0161\u00ed to d\u011blat p\u0159es hrn\u00ed\u010dky a ne s pomoc\u00ed investi\u010dn\u00edho pl\u00e1nu?<\/p>\n<p>Proto\u017ee \u017e\u00e1dn\u00fd poradce, ani sofistikovan\u00fd pl\u00e1n, v\u00e1m nepom\u016f\u017ee \u0159e\u0161it detaily va\u0161eho osobn\u00edho rodinn\u00e9ho rozpo\u010dtu tak dokonale, jako to d\u011bl\u00e1te vy sami.<\/p>\n<p>Pokud tedy sv\u00e9ho poradce nebo bank\u00e9\u0159e nechcete br\u00e1t sebou v\u0161ude na n\u00e1kupy, aby v\u011bd\u011bl o ka\u017ed\u00e9 korun\u011b, kterou utr\u00e1c\u00edte. Nebo pokud mu nechcete dokonce p\u0159ed ka\u017edou \u00fatratou zavolat a zkonzultovat ji, tak \u0159e\u0161te men\u0161\u00ed c\u00edle, kter\u00e9 pl\u00e1nujete do jednoho, dvou let, \u00fapln\u011b sami.<\/p>\n<p>Hrn\u00ed\u010dkov\u00e1 metoda v tom m\u016f\u017ee pomoci a je v takov\u00e9m p\u0159\u00edpad\u011b ur\u010dit\u011b lep\u0161\u00ed ne\u017e n\u011bjak\u00fd pl\u00e1n.<\/p>\n<h2>3. Pro bl\u00edzk\u00e9 finan\u010dn\u00ed c\u00edle<\/h2>\n<p>Za t\u0159et\u00ed, m\u016f\u017ee b\u00fdt hrn\u00ed\u010dkov\u00e1 metoda, lep\u0161\u00ed metodou i pro spo\u0159en\u00ed na st\u0159edn\u011b velk\u00e9 c\u00edle, \u0159\u00e1dov\u011b statis\u00edcov\u00e9, pokud je pl\u00e1nujete naplnit v horizontu 1,2,3 mo\u017en\u00e1 i do 5 let.<\/p>\n<p>Pro\u010d? Proto\u017ee pro ulo\u017een\u00ed pen\u011bz na 1 rok, 2, 3 nebo dneska i na 5 let na trhu stejn\u011b nenajdete \u017e\u00e1dn\u00e1 v\u00fdznamn\u011b lep\u0161\u00ed \u0159e\u0161en\u00ed ne\u017e spo\u0159\u00edc\u00ed \u00fa\u010det nebo term\u00ednovan\u00fd vklad.<\/p>\n<p>Sta\u010d\u00ed se pod\u00edvat na r\u016fzn\u00e9 finan\u010dn\u00ed srovn\u00e1va\u010de a vybrat si ten vklad, kter\u00fd je v\u00e1m sympatick\u00fd, a nemus\u00edte kv\u016fli tomu platit slu\u017eby bank\u00e9\u0159e nebo poradce.<\/p>\n<p>Pokud m\u00e1te pocit, \u017ee mu nic neplat\u00edte, tak se nenechte \u00fapln\u011b m\u00fdlit, nemus\u00ed to tak b\u00fdt.<\/p>\n<p>V relativn\u011b krat\u0161\u00edm horizontu, \u010dasov\u00e9m, je toti\u017e pl\u00e1nov\u00e1n\u00ed p\u0159es hrn\u00ed\u010dky selsk\u00fdm rozumem a s pomoc\u00ed nejjednodu\u0161\u0161\u00ed matematiky \u00fapln\u011b posta\u010duj\u00edc\u00ed.<\/p>\n<h2>Na co hrn\u00ed\u010dkov\u00e1 metoda nesta\u010d\u00ed?<\/h2>\n<p>Na pl\u00e1nov\u00e1n\u00ed v\u011bt\u0161\u00edch, strategi\u010dt\u011bj\u0161\u00edch c\u00edl\u016f, kter\u00e9 jsou \u010dasov\u011b vzd\u00e1len\u00e9 5, 10, 15 a v\u00edce let.<\/p>\n<p>P\u0159i pl\u00e1nov\u00e1n\u00ed na del\u0161\u00ed dobu se toti\u017e za\u010d\u00edn\u00e1 projevovat efekt tzv. slo\u017een\u00e9ho \u00faro\u010den\u00ed, \u00farok\u016f z \u00farok\u016f a pokud nezvl\u00e1d\u00e1te skv\u011ble finan\u010dn\u00ed matematiku je tyto v\u00fdpo\u010dty lep\u0161\u00ed nechat na finan\u010dn\u00ed pl\u00e1n.<\/p>\n<p>Tak\u017ee pokud chcete do 15-20 let rentu, chcete m\u00edt za 10 let pen\u00edze na zahrani\u010dn\u00ed studia va\u0161ich d\u011bt\u00ed, a je\u0161t\u011b chcete optimalizovat, kolik <a href=\"https:\/\/www.investguru.cz\/cs\/bydleni-za-hotovost-nebo-na-hypoteku\/\">pen\u011bz za bydlen\u00ed m\u00e1te d\u00e1t v hotovosti a kolik na hypot\u00e9ku<\/a>, je finan\u010dn\u00ed pl\u00e1n pr\u00e1v\u011b t\u00edm spr\u00e1vn\u00fdm n\u00e1strojem pro v\u00e1s.<\/p>\n<p>Na to u\u017e hrn\u00ed\u010dky nesta\u010d\u00ed.<\/p>\n<p>Tak to byly 3 typick\u00e9 situace, p\u0159i kter\u00fdch je lep\u0161\u00ed vyu\u017e\u00edt hrn\u00ed\u010dkovou metodu spo\u0159en\u00ed ne\u017e finan\u010dn\u00ed pl\u00e1n.<\/p>\n<p>A\u017e p\u0159\u00ed\u0161t\u011b budete pl\u00e1novat investice, myslete na to. Zjist\u00edte, \u017ee na n\u011bkter\u00e9 v\u011bci jste lep\u0161\u00ed vy sami a va\u0161e hrn\u00ed\u010dky, ne\u017e jak\u00fdkoliv poradce nebo investi\u010dn\u00ed pl\u00e1n.<\/p>\n<p>M\u011bjte se hezky a investujte sv\u016fj \u010das, energii i pen\u00edze s rozvahou a dlouhodob\u011b!<\/p>\n<h3>Co si mysl\u00edte o spo\u0159en\u00ed a investov\u00e1n\u00ed zp\u016fsobem na\u0161ich babi\u010dek?<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>U\u017e na\u0161e babi\u010dky d\u00e1valy pen\u00edze do hrn\u00ed\u010dk\u016f nebo do ob\u00e1lek.<br \/>\nN\u011bkdo se nad t\u00edm dnes pousm\u011bje, ale hrn\u00ed\u010dkov\u00e1 nebo ob\u00e1lkov\u00e1 metoda m\u00e1 i dnes sv\u00e9 docela zaj\u00edmav\u00e9 opodstatn\u011bn\u00ed.<\/p>\n","protected":false},"author":2,"featured_media":291,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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