{"id":5274,"date":"2024-06-17T12:24:44","date_gmt":"2024-06-17T10:24:44","guid":{"rendered":"http:\/\/wem.sk\/insights\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\/"},"modified":"2024-06-17T12:24:44","modified_gmt":"2024-06-17T10:24:44","slug":"planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu","status":"publish","type":"post","link":"https:\/\/wem.sk\/cs\/insights\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\/","title":{"rendered":"Pl\u00e1novanie d\u00f4chodku:\u00a0D\u00f4le\u017eitos\u0165 v\u010dasnej pr\u00edpravy a strat\u00e9gie pre zabezpe\u010denie finan\u010dn\u00e9ho komfortu"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>D\u00f4chodok je prirodzenou s\u00fa\u010das\u0165ou \u017eivota, pre mnoh\u00fdch \u013eud\u00ed v\u0161ak predstavuje aj obdobie neistoty a ob\u00e1v o finan\u010dn\u00fa stabilitu. Aby ste teda aj v seniorskom veku mali istotu pravideln\u00e9ho pr\u00edjmu a mohli si u\u017e\u00edva\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165, je potrebn\u00e1 v\u010dasn\u00e1 a d\u00f4kladn\u00e1 pr\u00edprava.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>V z\u00e1vislosti od va\u0161ich preferenci\u00ed, finan\u010dnej situ\u00e1cie a \u017eivotn\u00e9ho \u0161t\u00fdlu existuje mno\u017estvo rozli\u010dn\u00fdch pr\u00edstupov pre zabezpe\u010denie d\u00f4chodku. V tomto \u010dl\u00e1nku sa pozrieme na d\u00f4le\u017eitos\u0165 pl\u00e1novania, mo\u017en\u00e9 strat\u00e9gie a z\u00e1rove\u0148 v\u00e1m poskytneme tipy, ako za\u010da\u0165 u\u017e dnes.<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pre\u010do je d\u00f4le\u017eit\u00e9 pl\u00e1nova\u0165 d\u00f4chodok?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niektor\u00e9 z najd\u00f4le\u017eitej\u0161\u00edch d\u00f4vodov s\u00fa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Demografick\u00fd v\u00fdvoj: <\/strong>Podiel star\u0161\u00edch \u013eud\u00ed v pomere k produkt\u00edvnej popul\u00e1cii rastie, miera p\u00f4rodnosti kles\u00e1 a st\u00e1le viac mlad\u00fdch \u013eud\u00ed odch\u00e1dza za pr\u00e1cou mimo Slovenska. Je teda vysoko pravdepodobn\u00e9, \u017ee bud\u00face d\u00f4chodky bud\u00fa ni\u017e\u0161ie, ako s\u00fa tie dne\u0161n\u00e9. Nesta\u010d\u00ed preto spolieha\u0165 sa na \u0161t\u00e1t \u2014 na d\u00f4chodok sa mus\u00edte pripravi\u0165 sami.<\/li>\n\n\n\n<li><strong>Predl\u017eovanie priemernej d\u013a\u017eky \u017eivota: <\/strong>\u013dudia sa do\u017e\u00edvaj\u00fa st\u00e1le vy\u0161\u0161ieho veku a poberaj\u00fa d\u00f4chodok dlh\u0161ie, \u010d\u00edm sa \u010falej zvy\u0161uje tlak na d\u00f4chodkov\u00fd syst\u00e9m.<\/li>\n\n\n\n<li><strong>Dostato\u010dn\u00fd \u010das na zhroma\u017e\u010fovanie \u00faspor:<\/strong> V\u010dasn\u00e1 pr\u00edprava na d\u00f4chodok d\u00e1 va\u0161im invest\u00edci\u00e1m viac \u010dasu r\u00e1s\u0165. Z\u00e1rove\u0148 bude sta\u010di\u0165 odklada\u0165 men\u0161iu sumu, ktor\u00e1 neza\u0165a\u017e\u00ed v\u00e1\u0161 rodinn\u00fd rozpo\u010det.<\/li>\n\n\n\n<li><strong>Flexibilita vo vo\u013ebe strat\u00e9gi\u00ed:<\/strong> Dostatok \u010dasu v\u00e1m umo\u017en\u00ed vybra\u0165 si aj z dynamickej\u0161\u00edch strat\u00e9gi\u00ed, ktor\u00e9 maj\u00fa &nbsp;v dlhodobom horizonte v\u00e4\u010d\u0161\u00ed potenci\u00e1l na vy\u0161\u0161ie zhodnotenie.&nbsp;<\/li>\n\n\n\n<li><strong>Zv\u00fd\u0161enie \u017eivotnej \u00farovne a nez\u00e1vislosti:<\/strong> Ke\u010f\u017ee bud\u00face d\u00f4chodky bud\u00fa pravdepodobne ni\u017e\u0161ie, dodato\u010dn\u00fd zdroj pr\u00edjmu z invest\u00edci\u00ed v\u00e1m umo\u017en\u00ed udr\u017ea\u0165 si \u017eivotn\u00fa \u00farove\u0148.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kde teda za\u010da\u0165 s pr\u00edpravou na d\u00f4chodok?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prv\u00fdm krokom k \u00faspe\u0161n\u00e9mu pl\u00e1novaniu je stanovenie si cie\u013eov. Ko\u013eko pe\u0148az\u00ed chcete ma\u0165 na d\u00f4chodku? V akom veku chcete do d\u00f4chodku od\u00eds\u0165? Ak\u00e9 s\u00fa va\u0161e o\u010dak\u00e1vania oh\u013eadom \u017eivotn\u00e9ho \u0161t\u00fdlu?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ke\u010f si stanov\u00edte ciele, m\u00f4\u017eete za\u010da\u0165 s v\u00fdpo\u010dtom, ko\u013eko pe\u0148az\u00ed budete potrebova\u0165 na ich dosiahnutie. Pom\u00f4\u017ee v\u00e1m s t\u00fdm jeden z mnoh\u00fdch online n\u00e1strojov a kalkula\u010diek.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Po stanoven\u00ed cie\u013eov je potrebn\u00e9 n\u00e1js\u0165 sp\u00f4sob, ako ich naplni\u0165. Tu je p\u00e1r tipov:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Za\u010dnite \u010do najsk\u00f4r: <\/strong>\u010c\u00edm sk\u00f4r, t\u00fdm lep\u0161ie. Za\u010dnite pravidelne investova\u0165 a pripravova\u0165 sa na d\u00f4chodok u\u017e v mladosti, pri tvorbe dlhodob\u00fdch \u00faspor sa po\u010d\u00edta ka\u017ed\u00fd rok.&nbsp;<\/li>\n\n\n\n<li><strong>Zv\u00e1\u017ete zapojenie do II. piliera:<\/strong> Ak m\u00e1te do d\u00f4chodku dos\u0165 \u010dasu, zv\u00e1\u017ete zapojenie do II. piliera. Ak tam u\u017e prispievate, skontrolujte si, kam putuj\u00fa va\u0161e peniaze. Pri dlhom investi\u010dnom horizonte je vhodn\u00e9 investova\u0165 do dynamick\u00fdch indexov\u00fdch fondov, ktor\u00e9 maj\u00fa vy\u0161\u0161\u00ed potenci\u00e1l lep\u0161ieho zhodnotenia.&nbsp;<\/li>\n\n\n\n<li><strong>Preverte si u zamestn\u00e1vate\u013ea mo\u017enos\u0165 pr\u00edspevkov do III. piliera:<\/strong> Doplnkov\u00e9 d\u00f4chodkov\u00e9 sporenie pon\u00faka viacero v\u00fdhod, a to najm\u00e4 vtedy, ak do\u0148 prispieva aj zamestn\u00e1vate\u013e. Zhodnocuje sa v\u00e1m vy\u0161\u0161ia suma a z\u00e1rove\u0148 si viete uplatni\u0165 da\u0148ov\u00fa \u00fa\u013eavu vo forme odpo\u010dtu od z\u00e1kladu dane z pr\u00edjmu. &nbsp;<\/li>\n\n\n\n<li><strong>Diverzifikujte svoje invest\u00edcie:<\/strong> Nespoliehajte sa iba na pr\u00edjem z I., II. \u010di III. piliera. Investujte aj samostatne, a to do r\u00f4znych tried akt\u00edv naprie\u010d sektormi a krajinami. To v\u00e1m pom\u00f4\u017ee zn\u00ed\u017ei\u0165 riziko a dosahova\u0165 lep\u0161ie a stabilnej\u0161ie v\u00fdnosy. Ako sa bude bl\u00ed\u017ei\u0165 v\u00e1\u0161 odchod do d\u00f4chodku, nezabudnite za\u010da\u0165 va\u0161e invest\u00edcie skonzervat\u00edv\u0148ova\u0165.&nbsp;<\/li>\n\n\n\n<li><strong>Investujte pravidelne:<\/strong> Aj mal\u00e9 sumy, investovan\u00e9 pravidelne, sa \u010dasom zhodnotia.<\/li>\n\n\n\n<li><strong>Zabezpe\u010dte si kvalitn\u00e9 \u017eivotn\u00e9 poistenie: <\/strong>Aj napriek kvalitn\u00e9mu pl\u00e1novaniu v\u00e1m m\u00f4\u017eu do \u017eivota zasiahnu\u0165 nepredv\u00eddan\u00e9 udalosti. Pam\u00e4tajte preto na \u017eivotn\u00e9 poistenie, ktor\u00e9 v\u00e1m poskytne finan\u010dn\u00fa istotu v pr\u00edpade invalidity, choroby, v\u00fdpadku pr\u00edjmu \u010di do\u017eit\u00ed.&nbsp;<\/li>\n\n\n\n<li><strong>Vyh\u013eadajte odborn\u00fa radu:<\/strong> Ak si nie ste ist\u00ed, ako za\u010da\u0165 s pl\u00e1novan\u00edm d\u00f4chodku, obr\u00e1\u0165te sa na odborn\u00edka.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pl\u00e1novanie d\u00f4chodku je d\u00f4le\u017eit\u00fd proces, ktor\u00fd si vy\u017eaduje \u010das a discipl\u00ednu. \u010c\u00edm sk\u00f4r za\u010dnete a \u010d\u00edm d\u00f4kladnej\u0161ie sa priprav\u00edte, t\u00fdm v\u00e4\u010d\u0161iu istotu a finan\u010dn\u00fa slobodu si budete m\u00f4c\u0165 na d\u00f4chodku u\u017e\u00edva\u0165. Bu\u010fte preto akt\u00edvni a investujte do svojej bud\u00facnosti u\u017e dnes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>D\u00f4chodok je prirodzenou s\u00fa\u010das\u0165ou \u017eivota, pre mnoh\u00fdch \u013eud\u00ed v\u0161ak predstavuje aj obdobie neistoty a ob\u00e1v o finan\u010dn\u00fa stabilitu. Aby ste teda aj v seniorskom veku mali istotu pravideln\u00e9ho pr\u00edjmu a mohli si u\u017e\u00edva\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165, je potrebn\u00e1 v\u010dasn\u00e1 a d\u00f4kladn\u00e1 pr\u00edprava. V z\u00e1vislosti od va\u0161ich preferenci\u00ed, finan\u010dnej situ\u00e1cie a \u017eivotn\u00e9ho \u0161t\u00fdlu existuje mno\u017estvo rozli\u010dn\u00fdch pr\u00edstupov &hellip; <a href=\"https:\/\/wem.sk\/cs\/insights\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\/\">Continued<\/a><\/p>\n","protected":false},"author":5,"featured_media":1885,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[180],"insight_author":[210],"class_list":["post-5274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financne-vzdelavanie"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pl\u00e1novanie d\u00f4chodku:\u00a0D\u00f4le\u017eitos\u0165 v\u010dasnej pr\u00edpravy a strat\u00e9gie pre zabezpe\u010denie finan\u010dn\u00e9ho komfortu - Wealth Effect Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wem.sk\/cs\/insights\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pl\u00e1novanie d\u00f4chodku:\u00a0D\u00f4le\u017eitos\u0165 v\u010dasnej pr\u00edpravy a strat\u00e9gie pre zabezpe\u010denie finan\u010dn\u00e9ho komfortu - Wealth Effect Management\" \/>\n<meta property=\"og:description\" content=\"D\u00f4chodok je prirodzenou s\u00fa\u010das\u0165ou \u017eivota, pre mnoh\u00fdch \u013eud\u00ed v\u0161ak predstavuje aj obdobie neistoty a ob\u00e1v o finan\u010dn\u00fa stabilitu. Aby ste teda aj v seniorskom veku mali istotu pravideln\u00e9ho pr\u00edjmu a mohli si u\u017e\u00edva\u0165 finan\u010dn\u00fa nez\u00e1vislos\u0165, je potrebn\u00e1 v\u010dasn\u00e1 a d\u00f4kladn\u00e1 pr\u00edprava. V z\u00e1vislosti od va\u0161ich preferenci\u00ed, finan\u010dnej situ\u00e1cie a \u017eivotn\u00e9ho \u0161t\u00fdlu existuje mno\u017estvo rozli\u010dn\u00fdch pr\u00edstupov &hellip; Continued\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wem.sk\/cs\/insights\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\/\" \/>\n<meta property=\"og:site_name\" content=\"Wealth Effect Management\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-17T10:24:44+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/wem.sk\/wp-content\/uploads\/2024\/06\/shutterstock_2307212333-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marek Hlavenka\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marek Hlavenka\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/wem.sk\\\/cs\\\/insights\\\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/cs\\\/insights\\\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\\\/\"},\"author\":{\"name\":\"Marek Hlavenka\",\"@id\":\"https:\\\/\\\/wem.sk\\\/cs\\\/#\\\/schema\\\/person\\\/1b4122ceef2fc26f4e49491a11fcbfec\"},\"headline\":\"Pl\u00e1novanie d\u00f4chodku:\u00a0D\u00f4le\u017eitos\u0165 v\u010dasnej pr\u00edpravy a strat\u00e9gie pre zabezpe\u010denie finan\u010dn\u00e9ho komfortu\",\"datePublished\":\"2024-06-17T10:24:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/cs\\\/insights\\\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\\\/\"},\"wordCount\":834,\"image\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/cs\\\/insights\\\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wem.sk\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/shutterstock_2307212333-scaled-1.jpg\",\"articleSection\":[\"Finan\u010dn\u00e9 vzdel\u00e1vanie\"],\"inLanguage\":\"cs\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wem.sk\\\/cs\\\/insights\\\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\\\/\",\"url\":\"https:\\\/\\\/wem.sk\\\/cs\\\/insights\\\/planovanie-dochodku-dolezitost-vcasnej-pripravy-a-strategie-pre-zabezpecenie-financneho-komfortu\\\/\",\"name\":\"Pl\u00e1novanie d\u00f4chodku:\u00a0D\u00f4le\u017eitos\u0165 v\u010dasnej pr\u00edpravy a strat\u00e9gie pre zabezpe\u010denie finan\u010dn\u00e9ho komfortu - 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