{"id":491,"date":"2021-03-08T10:45:24","date_gmt":"2021-03-08T09:45:24","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?page_id=491"},"modified":"2025-11-28T09:06:51","modified_gmt":"2025-11-28T08:06:51","slug":"sporeni-a-investice","status":"publish","type":"page","link":"https:\/\/www.jiri-kovar.cz\/index.php\/sporeni-a-investice\/","title":{"rendered":"Spo\u0159en\u00ed a investice"},"content":{"rendered":"[vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#ffffff“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“8%“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Spo\u0159en\u00ed a investice“ font_container=“tag:h1|text_align:center|color:%23000000″ use_theme_fonts=“yes“][divider line_type=“Small Line“ line_alignment=“center“ line_thickness=“1″ divider_color=“extra-color-3″ custom_height=“80″ custom_line_width=“70″][vc_custom_heading text=“Ka\u017ed\u00fd m\u00e1 jin\u00e9 finan\u010dn\u00ed c\u00edle, ale jedno je spole\u010dn\u00e9: rozhodnut\u00ed, kter\u00e1 ud\u011bl\u00e1te dnes, formuj\u00ed va\u0161i budouc\u00ed \u017eivotn\u00ed \u00farove\u0148.
\nInflace je ne\u00faprosn\u00e1 \u2014 pen\u00edze na \u00fa\u010dtu postupn\u011b ztr\u00e1cej\u00ed hodnotu a bez promy\u0161len\u00e9 strategie nerostou.“ font_container=“tag:h3|text_align:center|color:%23ec4d53″ use_theme_fonts=“yes“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ equal_height=“yes“ content_placement=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“2%“ bottom_padding=“5%“ id=“creative-services“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text]\n

Jak p\u0159em\u00fd\u0161let o pen\u011bz\u00edch v dlouh\u00e9m horizontu<\/b><\/h3>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1764315136220{padding-top: 5% !important;padding-right: 3% !important;}“]Dlouhodob\u00e9 finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed dnes nen\u00ed voliteln\u00fd luxus, ale nutnost. St\u00e1rnut\u00ed populace, inflace i tlak na ve\u0159ejn\u00e9 rozpo\u010dty postupn\u011b sni\u017euj\u00ed v\u00fdznam st\u00e1tn\u00edho d\u016fchodu a z\u00e1rove\u0148 zvy\u0161uj\u00ed n\u00e1roky na vlastn\u00ed \u00faspory. P\u0159ehledn\u00e1 strategie \u2013 od spo\u0159en\u00ed na penzi a\u017e po pr\u00e1ci s hypot\u00e9kou \u2013 pom\u00e1h\u00e1 udr\u017eet \u017eivotn\u00ed \u00farove\u0148 i finan\u010dn\u00ed stabilitu.[\/vc_column_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_row_inner column_margin=“none“ text_align=“left“][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#2ac4ea“ content_color=“#ffffff“ box_color_opacity=“0.6″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Money-2″ css=“.vc_custom_1764316080125{margin-top: 50px !important;margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Investujte<\/span><\/h4>\n

Re\u00e1ln\u00e1 hodnota \u00faspor pak \u010dasem kles\u00e1.<\/span>[\/fancy_box][\/vc_column_inner][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#ff1053″ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Statistic“ css=“.vc_custom_1764316203512{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ delay=“100″ icon_size=“40″]\n

Zhodnocujte<\/span><\/h4>\n

Inflace oslabuje kupn\u00ed s\u00edlu pen\u011bz.<\/span>[\/fancy_box][\/vc_column_inner][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#2f88d6″ content_color=“#ffffff“ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ icon_iconsmind=“iconsmind-Summer“ css=“.vc_custom_1764316211353{margin-top: 50px !important;margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ delay=“200″ icon_size=“40″]\n

U\u017e\u00edvejte si<\/span><\/h4>\n

je pot\u0159eba dlouhodob\u00fd a pravideln\u00fd pl\u00e1n.<\/span>[\/fancy_box][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Spo\u0159en\u00ed na d\u016fchod“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_custom_heading text=“realita a nej\u010dast\u011bj\u0161\u00ed chyby“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_column_text css=“.vc_custom_1764314231888{padding-top: 5% !important;}“]V\u00edce ne\u017e 70 % lid\u00ed v \u010cesku si na penzi n\u011bjak\u00fdm zp\u016fsobem odkl\u00e1d\u00e1. Probl\u00e9m? Dv\u011b t\u0159etiny v\u011bd\u00ed, \u017ee spo\u0159\u00ed m\u00e1lo. Pr\u016fm\u011brn\u00e1 tis\u00edcovka m\u011bs\u00ed\u010dn\u011b jednodu\u0161e nesta\u010d\u00ed \u2013 obzvl\u00e1\u0161\u0165 pokud se za\u010d\u00edn\u00e1 pozd\u011b a vklady se v \u010dase nezvy\u0161uj\u00ed.<\/span>[\/vc_column_text][vc_custom_heading text=“Co lidem nej\u010dast\u011bji br\u00e1n\u00ed v tom, aby si na st\u00e1\u0159\u00ed vytvo\u0159ili dostate\u010dnou rezervu?“ font_container=“tag:h2|font_size:20|text_align:left|color:%23ec4d53|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:500%20bold%20regular%3A500%3Anormal“ css=“.vc_custom_1764314264227{padding-top: 5% !important;}“][vc_column_text css=“.vc_custom_1764314283726{padding-top: 5% !important;}“]Pozdn\u00ed za\u010d\u00e1tek<\/b><\/span>
\nBudovat \u00faspory a\u017e kolem pades\u00e1tky je pozd\u011b. Aby m\u011bl \u010dlov\u011bk p\u0159i odchodu do d\u016fchodu alespo\u0148 2 miliony korun, je pot\u0159eba dlouhodob\u00fd a pravideln\u00fd pl\u00e1n.<\/span><\/p>\n

N\u00edzk\u00e9 m\u011bs\u00ed\u010dn\u00ed vklady<\/b><\/span>
\nP\u00e1r stovek m\u011bs\u00ed\u010dn\u011b je m\u00e1lo. S rostouc\u00edm v\u011bkem je nutn\u00e9 odkl\u00e1dat v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u010d\u00e1stky.<\/span><\/p>\n

P\u0159\u00edli\u0161 konzervativn\u00ed p\u0159\u00edstup<\/b><\/span>
\nProdukty s n\u00edzk\u00fdm v\u00fdnosem \u010dasto nep\u0159ekonaj\u00ed inflaci. Re\u00e1ln\u00e1 hodnota \u00faspor pak \u010dasem kles\u00e1.<\/span><\/p>\n

Navy\u0161ov\u00e1n\u00ed vklad\u016f chyb\u00ed<\/b><\/span>
\nPokud se p\u0159\u00edjem zvy\u0161uje, ale vklad z\u016fst\u00e1v\u00e1 roky stejn\u00fd, re\u00e1ln\u011b spo\u0159\u00edme m\u00e9n\u011b ne\u017e d\u0159\u00edv.<\/span><\/p>\n

Spol\u00e9h\u00e1n\u00ed na st\u00e1t<\/b><\/span>
\nN\u00e1hradov\u00fd pom\u011br d\u016fchod\u016f kles\u00e1 a bude klesat d\u00e1l. Budouc\u00ed d\u016fchody budou ni\u017e\u0161\u00ed a p\u0159ijdou pozd\u011bji.<\/span>[\/vc_column_text][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1701″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#ffffff“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(255,255,255,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Inflace“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_custom_heading text=“tich\u00fd nep\u0159\u00edtel \u00faspor“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_column_text css=“.vc_custom_1764314421864{padding-top: 5% !important;}“]Inflace oslabuje kupn\u00ed s\u00edlu pen\u011bz. Na \u00fa\u010dtu vid\u00edte stejnou \u010d\u00e1stku, ale re\u00e1ln\u011b si za ni koup\u00edte m\u00e9n\u011b.<\/span>[\/vc_column_text][vc_column_text css=“.vc_custom_1764314449383{padding-top: 5% !important;}“]P\u0159\u00edklad:<\/span><\/strong>
\nP\u0159i t\u0159\u00edprocentn\u00ed inflaci klesne hodnota 1 000 000 K\u010d:<\/span><\/p>\n

    \n
  • za 10 let na cca 737 000 K\u010d<\/b>,<\/span><\/li>\n
  • za 20 let na 544 000 K\u010d<\/b>,<\/span><\/li>\n
  • za 30 let na 401 000 K\u010d<\/b>.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1764314507930{padding-top: 5% !important;}“]Proto je nutn\u00e9 pl\u00e1novat v re\u00e1ln\u00e9 hodnot\u011b<\/b> \u2013 tedy s ohledem na inflaci. Dlouhodob\u011b ji nej\u010dast\u011bji p\u0159ekon\u00e1vaj\u00ed investice do re\u00e1ln\u00fdch aktiv: akci\u00ed, nemovitost\u00ed nebo kvalitn\u00edch fond\u016f. Naopak dr\u017eet dlouhodob\u00e9 \u00faspory na b\u011b\u017en\u00e9m \u00fa\u010dtu znamen\u00e1 jejich postupn\u00e9 znehodnocov\u00e1n\u00ed.[\/vc_column_text][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1708″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Hypot\u00e9ka“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_custom_heading text=“splatit, nebo rad\u011bji investovat?“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_column_text css=“.vc_custom_1764314574791{padding-top: 5% !important;}“]Mnoho lid\u00ed m\u00e1 tendenci pou\u017e\u00edt voln\u00e9 pen\u00edze na mimo\u0159\u00e1dn\u00e9 spl\u00e1tky hypot\u00e9ky. D\u00e1v\u00e1 to smysl hlavn\u011b psychologicky \u2013 dluh zmiz\u00ed a \u010dlov\u011bk m\u00e1 klid. Ne v\u017edy je to ale finan\u010dn\u011b nejv\u00fdhodn\u011bj\u0161\u00ed volba.[\/vc_column_text][vc_column_text css=“.vc_custom_1764314588989{padding-top: 5% !important;}“]V\u00fdhody p\u0159ed\u010dasn\u00e9ho splacen\u00ed<\/b><\/p>\n
      \n
    • Jist\u00e1 \u00faspora na \u00faroc\u00edch<\/li>\n
    • Ni\u017e\u0161\u00ed celkov\u00fd dluh<\/li>\n
    • Krat\u0161\u00ed doba spl\u00e1cen\u00ed pop\u0159. sn\u00ed\u017een\u00ed m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek<\/li>\n<\/ul>\n

      Kdy m\u016f\u017ee b\u00fdt lep\u0161\u00ed investovat?<\/b><\/p>\n

        \n
      • Vy\u0161\u0161\u00ed o\u010dek\u00e1van\u00fd v\u00fdnos<\/b> ne\u017e \u00farok hypot\u00e9ky<\/li>\n
      • Inflace zlev\u0148uje dluh<\/b> \u2013 spl\u00e1tka z\u016fst\u00e1v\u00e1 stejn\u00e1, ale hodnota pen\u011bz kles\u00e1<\/li>\n
      • Da\u0148ov\u00e1 \u00faspora<\/b> \u2013 \u00faroky lze ode\u010d\u00edst ze z\u00e1kladu dan\u011b<\/li>\n
      • Likvidita<\/b> \u2013 pen\u00edze m\u00e1te k dispozici, nejsou \u201ezam\u010den\u00e9\u201c v nemovitosti<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1764314597348{padding-top: 5% !important;}“]Mimo\u0159\u00e1dn\u00e1 spl\u00e1tka sice okam\u017eit\u011b \u0161et\u0159\u00ed \u00farok, ale dlouhodob\u00e9 investice mohou v horizontu 15\u201320 let vytvo\u0159it v\u00fdnos, kter\u00fd m\u016f\u017ee spl\u00e1tky hypot\u00e9ky \u010d\u00e1ste\u010dn\u011b nebo \u00fapln\u011b pokr\u00fdt. Pen\u00edze tedy mohou pracovat efektivn\u011bji, ne\u017e kdy\u017e je ulo\u017e\u00edte do zrychlen\u00e9ho splacen\u00ed.[\/vc_column_text][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1704″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“hypotekanarodinnydum“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Finan\u010dn\u00ed poradenstv\u00ed“ font_container=“tag:h2|font_size:30|text_align:center|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_custom_heading text=“Pro\u010d \u0159e\u0161it finance v \u0161ir\u0161\u00edch souvislostech“ font_container=“tag:h2|font_size:55|text_align:center|color:%23003a5b“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_row_inner column_margin=“default“ text_align=“left“][vc_column_inner column_padding=“padding-17-percent“ column_padding_position=“left-right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/1″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text css=“.vc_custom_1764314695674{padding-top: 5% !important;}“]Hypot\u00e9ka, investice, inflace, budouc\u00ed d\u016fchod a voln\u00e9 pen\u00edze nejsou samostatn\u00e9 t\u00e9mata. V\u0161e spolu souvis\u00ed a dohromady tvo\u0159\u00ed finan\u010dn\u00ed pl\u00e1n, kter\u00fd ur\u010duje stabilitu v dal\u0161\u00edch letech.<\/p>\n

        Smyslem finan\u010dn\u00edho poradenstv\u00ed je tyto souvislosti odhalit a navrhnout \u0159e\u0161en\u00ed, kter\u00e1 d\u00e1vaj\u00ed smysl nejen dnes, ale i za dvacet let.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][divider line_type=“No Line“ custom_height=“20″][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“9%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-3-percent“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Perspektiva“ font_container=“tag:h2|font_size:55|text_align:left|color:%23003a5b|line_height:1.1″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:600%20bold%20regular%3A600%3Anormal“][vc_custom_heading text=“pod\u00edvejte se na svou situaci jin\u00fdm \u00fahlem pohledu“ font_container=“tag:h2|font_size:30|text_align:left|color:%23ec4d53″ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:300%20light%20regular%3A300%3Anormal“][vc_column_text css=“.vc_custom_1764314828168{padding-top: 5% !important;}“]Dlouhodob\u00e1 finan\u010dn\u00ed stabilita se nebuduje t\u00edm, \u017ee pen\u00edze le\u017e\u00ed ladem na \u00fa\u010dtu. Re\u00e1lnou hodnotu jim dod\u00e1v\u00e1 a\u017e spr\u00e1vn\u00e9 investov\u00e1n\u00ed – jak\u00fd typ z\u00e1le\u017e\u00ed na mo\u017enostech klient\u016f.<\/p>\n

        D\u016fvod je jednoduch\u00fd: inflace je ne\u00faprosn\u00e1 a ka\u017ed\u00fd rok potichu sni\u017euje kupn\u00ed s\u00edlu va\u0161ich \u00faspor.<\/b> Pokud pen\u00edze nepracuj\u00ed, ztr\u00e1cej\u00ed hodnotu.[\/vc_column_text][vc_column_text css=“.vc_custom_1764314847092{padding-top: 5% !important;}“]Investice naopak umo\u017e\u0148uj\u00ed:<\/strong><\/p>\n

          \n
        • Udr\u017eet krok s inflac\u00ed<\/b> a zachovat hodnotu pen\u011bz do budoucna.<\/li>\n
        • Budovat majetek systematicky<\/b>, bez ohledu na to, jak se vyv\u00edj\u00ed ekonomika v jednotliv\u00fdch letech.<\/li>\n
        • Vytv\u00e1\u0159et dlouhodobou rezervu<\/b>, kter\u00e1 p\u0159in\u00e1\u0161\u00ed svobodu \u2013 v rozhodov\u00e1n\u00ed o pr\u00e1ci, bydlen\u00ed i \u017eivotn\u00edm stylu.<\/li>\n
        • M\u00edt jistotu,<\/b> \u017ee pen\u00edze nebudou jen \u201ele\u017eet\u201c, ale budou pracovat pro v\u00e1s.<\/li>\n
        • Diverzifikovat riziko<\/b> \u2013 tedy nespol\u00e9hat na jedin\u00fd zdroj p\u0159\u00edjm\u016f \u010di jedin\u00fd typ majetku.<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1764314861868{padding-top: 5% !important;}“]Ka\u017ed\u00fd \u010dlov\u011bk m\u00e1 jinou vstupn\u00ed situaci, jin\u00e9 c\u00edle a jin\u00e9 mo\u017enosti. Pr\u00e1v\u011b proto neexistuje univerz\u00e1ln\u00ed \u0159e\u0161en\u00ed. D\u016fle\u017eit\u00e9 je, aby pl\u00e1n byl postaven\u00fd na re\u00e1ln\u00fdch datech, dlouhodob\u00e9m horizontu a spr\u00e1vn\u00e9 kombinaci spo\u0159en\u00ed, investic a pr\u00e1ce s majetkem.<\/p>\n

          Pomohu v\u00e1m nastavit strategii pro spo\u0159en\u00ed, investice i pr\u00e1ci s hypot\u00e9kou tak, aby odpov\u00eddala va\u0161im c\u00edl\u016fm a \u017eivotn\u00ed situaci.<\/b>
          \nPod\u00edv\u00e1me se na va\u0161e finance komplexn\u011b, identifikujeme slab\u00e1 m\u00edsta a navrhneme kroky, kter\u00e9 maj\u00ed skute\u010dn\u00fd efekt.<\/p>\n

          Ozv\u011bte se mi \u2013 spole\u010dn\u011b vytvo\u0159\u00edme pl\u00e1n, kter\u00fd d\u00e1v\u00e1 dlouhodob\u00fd smysl a bude fungovat i v dob\u011b, kdy sou\u010dasn\u00e9 jistoty neplat\u00ed.<\/b><\/b>[\/vc_column_text][\/vc_column][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/2″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“1703″ alignment=““ animation=“Fade In“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“ margin_top=“3%“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_image=“626″ bg_position=“center bottom“ bg_repeat=“no-repeat“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“15%“ bottom_padding=“9%“ id=“hypotekanabyt“ color_overlay=“rgba(40,46,52,0.08)“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column centered_text=“true“ column_padding=“no-extra-padding“ column_padding_position=“all“ background_color=“#ff1053″ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“x_large_depth“ column_border_radius=“20px“ top_margin=“-23%“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ bg_image_animation=“none“][vc_custom_heading text=“Chcete se vyhnout v\u0161em krok\u016fm a komplikac\u00edm?“ font_container=“tag:h3|font_size:30|text_align:center|line_height:1.2em“ google_fonts=“font_family:Raleway%3A100%2C200%2C300%2Cregular%2C500%2C600%2C700%2C800%2C900|font_style:700%20bold%20regular%3A700%3Anormal“ css=“.vc_custom_1630911105061{padding-top: 7% !important;padding-bottom: 2% !important;}“][nectar_btn size=“large“ button_style=“see-through-2″ color_override=“#ffffff“ hover_color_override=“#ffffff“ hover_text_color_override=“#000000″ icon_family=“none“ margin_bottom=“50%“ url=“https:\/\/www.jiri-kovar.cz\/index.php\/kontakt\/“ text=“Zavolejte mi“][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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