[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.onna.cz\/proc-penize-ztraci-hodnotu\/#Article","mainEntityOfPage":"https:\/\/www.onna.cz\/proc-penize-ztraci-hodnotu\/","headline":"Pro\u010d pen\u00edze ztr\u00e1c\u00ed hodnotu?","name":"Pro\u010d pen\u00edze ztr\u00e1c\u00ed hodnotu?","description":"Pokud jste n\u011bkdy nav\u0161t\u00edvili banku, ur\u010dit\u011b v\u00e1m bankovn\u00ed poradci n\u011bkdy nab\u00edzeli n\u011bjak\u00e9 produkty, kter\u00e9 by m\u011bli ochr\u00e1nit va\u0161e pen\u00edze p\u0159ed ztr\u00e1tou hodnoty. Mo\u017en\u00e1 jste si \u0159\u00edkali, co to je za blbost? Pokud si na \u00fa\u010det ulo\u017e\u00edm tis\u00edcovku, budu tam m\u00edt tis\u00edcovku i za rok. Ale tak to \u00fapln\u011b nen\u00ed. Pen\u00edze se toti\u017e \u010dasem znehodnocuj\u00ed. Jak? […]","datePublished":"2023-08-29","dateModified":"2023-08-29","author":{"@type":"Person","@id":"https:\/\/www.onna.cz\/author\/#Person","name":"","url":"https:\/\/www.onna.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40b5f3ce562f556955b189273c919e65fd2efecc17411a60d9172af88d0e5d58?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40b5f3ce562f556955b189273c919e65fd2efecc17411a60d9172af88d0e5d58?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"onna.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.onna.cz\/wp-content\/uploads\/alexander-mils-lCPhGxs7pww-unsplash_2.jpg","url":"https:\/\/www.onna.cz\/wp-content\/uploads\/alexander-mils-lCPhGxs7pww-unsplash_2.jpg","height":0,"width":0},"url":"https:\/\/www.onna.cz\/proc-penize-ztraci-hodnotu\/","about":["Finance"],"wordCount":403,"articleBody":"   Pokud jste n\u011bkdy nav\u0161t\u00edvili banku, ur\u010dit\u011b v\u00e1m bankovn\u00ed poradci n\u011bkdy nab\u00edzeli n\u011bjak\u00e9 produkty, kter\u00e9 by m\u011bli ochr\u00e1nit va\u0161e pen\u00edze p\u0159ed ztr\u00e1tou hodnoty. Mo\u017en\u00e1 jste si \u0159\u00edkali, co to je za blbost? Pokud si na \u00fa\u010det ulo\u017e\u00edm tis\u00edcovku, budu tam m\u00edt tis\u00edcovku i za rok. Ale tak to \u00fapln\u011b nen\u00ed. Pen\u00edze se toti\u017e \u010dasem znehodnocuj\u00ed.Jak? Za v\u0161echno m\u016f\u017ee inflace. Inflace, slovo, kter\u00e9 se v posledn\u00edch letech sklo\u0148uje v\u0161ude. V m\u00e9di\u00edch, na internetu, mezi politiky i mezi b\u011b\u017en\u00fdmi ob\u010dany. Za posledn\u00ed roky toti\u017e narostla na takov\u00e9 procento, jak\u00e9 si nikdo z n\u00e1s nepamatuje. Je to vliv toho, \u017ee nejd\u0159\u00edve p\u0159i\u0161la pandemie koronaviru, kter\u00e1 na n\u011bjakou dobu naprosto ochromila ekonomiku, a kdy\u017e se sv\u011bt za\u010dal vzpamatov\u00e1vat, p\u0159i\u0161el der v podob\u011b napaden\u00ed Ukrajiny rusk\u00fdmi voj\u00e1ky. I to citeln\u011b zas\u00e1hlo na\u0161i ekonomiku. A tak za\u010dala inflace stoupat. V\u0161echno se za\u010dalo zdra\u017eovat. Energie, potraviny, pohonn\u00e9 hmoty, dopravn\u00e9, n\u00e1jmy, ceny nemovitost\u00ed. A na\u0161e pen\u00edze se znehodnocuj\u00ed.Pokud jste si p\u0159ed t\u00edmhle v\u0161\u00edm ulo\u017eili na \u00fa\u010det tis\u00edcovku, ano, st\u00e1le ji tam najdete. Ale probl\u00e9m je v tom, co si za n\u00ed koup\u00edte. Zat\u00edmco p\u0159ed \u010dty\u0159mi lety jste si za tis\u00edcovku mohli koupit celkem dost v\u011bc\u00ed, dnes si koup\u00edte jen zlomek toho, co p\u0159edt\u00edm. T\u00edm, jak se v\u0161echno zdra\u017eilo, pen\u00edze ztratily na hodnot\u011b. A proto v\u00e1s banky neust\u00e1le upozor\u0148uj\u00ed, abyste chr\u00e1nili sv\u00e9 pen\u00edze p\u0159ed inflac\u00ed.Pokud si je toti\u017e ulo\u017e\u00edte nap\u0159\u00edklad na spo\u0159\u00edc\u00ed \u00fa\u010det, zhodnocuj\u00ed se v\u00e1m tam. Procento, kter\u00fdm se zhodnocuj\u00ed nen\u00ed velk\u00e9. V\u011bt\u0161inou je to n\u011bco m\u00e1lo kolem 4 %. Ale i to je lep\u0161\u00ed ne\u017e nic. N\u011bkter\u00e9 banky v\u00e1m nab\u00eddnou i spo\u0159\u00edc\u00ed \u00fa\u010det se 6 %, a to u\u017e opravdu stoj\u00ed za pozornost.Dal\u0161\u00ed mo\u017enost\u00ed, jak sv\u00e9 pen\u00edze zhodnotit, jsou investice. Nemus\u00edte se b\u00e1t velk\u00fdch ztr\u00e1t, existuj\u00ed i jist\u00e9 investice pro ty, kte\u0159\u00ed jsou sp\u00ed\u0161e konzervativn\u00ed a neradi riskuj\u00ed. Ale samoz\u0159ejm\u011b, \u010d\u00edm v\u011bt\u0161\u00ed risk, t\u00edm v\u011bt\u0161\u00ed v\u00fdd\u011blek.                                                                                                                                                                                                                                                                                                                                                                                          3.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d pen\u00edze ztr\u00e1c\u00ed hodnotu?","item":"https:\/\/www.onna.cz\/proc-penize-ztraci-hodnotu\/#breadcrumbitem"}]}]