[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pppvy.cz\/penize-v-bance-nebo-pod-polstarem\/#Article","mainEntityOfPage":"https:\/\/www.pppvy.cz\/penize-v-bance-nebo-pod-polstarem\/","headline":"Pen\u00edze v bance nebo pod pol\u0161t\u00e1\u0159em?","name":"Pen\u00edze v bance nebo pod pol\u0161t\u00e1\u0159em?","description":"Pokud z\u00edsk\u00e1te v\u011bt\u0161\u00ed \u010d\u00e1stku pen\u011bz, kterou nechcete ihned utratit, obvykle zauva\u017eujete, jak je nejbezpe\u010dn\u011bji uschovat. V z\u00e1sad\u011b jsou mo\u017enosti dv\u011b – nechat si je doma pod z\u00e1mkem a kl\u00ed\u010dem, nebo je sv\u011b\u0159it n\u011bkter\u00e9 z bank.  Oba p\u0159\u00edstupy maj\u00ed sv\u00e9 klady, ale i rizika.   Nejprve p\u0159edpokl\u00e1dejme, \u017ee si chcete pen\u00edze nechat doma. V\u00fdhodou tohoto p\u0159\u00edstupu je, \u017ee […]","datePublished":"2019-10-21","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.pppvy.cz\/author\/#Person","name":"","url":"https:\/\/www.pppvy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bbaa4e9a58aac4329fe0ade0f3fb816f09f0dc43c21f6e884dccfbc124b16b29?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pppvy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pppvy.cz\/wp-content\/uploads\/img_a358175_w3848_t1572440631.png","url":"https:\/\/www.pppvy.cz\/wp-content\/uploads\/img_a358175_w3848_t1572440631.png","height":0,"width":0},"url":"https:\/\/www.pppvy.cz\/penize-v-bance-nebo-pod-polstarem\/","about":["Pen\u00edze"],"wordCount":623,"articleBody":"Pokud z\u00edsk\u00e1te v\u011bt\u0161\u00ed \u010d\u00e1stku pen\u011bz, kterou nechcete ihned utratit, obvykle zauva\u017eujete, jak je nejbezpe\u010dn\u011bji uschovat. V z\u00e1sad\u011b jsou mo\u017enosti dv\u011b – nechat si je doma pod z\u00e1mkem a kl\u00ed\u010dem, nebo je sv\u011b\u0159it n\u011bkter\u00e9 z bank.  Oba p\u0159\u00edstupy maj\u00ed sv\u00e9 klady, ale i rizika.\t \tNejprve p\u0159edpokl\u00e1dejme, \u017ee si chcete pen\u00edze nechat doma. V\u00fdhodou tohoto p\u0159\u00edstupu je, \u017ee sv\u00e9 pen\u00edze m\u00e1te pod kontrolou a m\u016f\u017eete kdykoliv vybrat jakoukoliv \u010d\u00e1stku. Tak\u00e9 l\u00e9pe vid\u00edte, kolik pen\u011bz v\u00e1m zb\u00fdv\u00e1 poka\u017ed\u00e9, kdy\u017e n\u011bjakou \u010d\u00e1stku vyzvednete. \t \tNev\u00fdhodou jsou n\u011bkter\u00e1 rizika s t\u00edmto p\u0159\u00edstupem spojen\u00e1. Prvn\u00ed, kter\u00e9mu se nevyhnete, je inflace, tedy sni\u017eov\u00e1n\u00ed hodnoty pen\u011bz. Nap\u0159\u00edklad si p\u0159edstavte, co jste koupili p\u0159ed dvaceti lety za \u010d\u00e1stku 1 000,- K\u010d, a co za n\u011b koup\u00edte nyn\u00ed. Pokud si pen\u00edze nech\u00e1te doma dlouhou dobu, jejich kupn\u00ed hodnota se postupem \u010dasu sn\u00ed\u017e\u00ed. Druh\u00fdm probl\u00e9mem je mo\u017enost vloup\u00e1n\u00ed a odcizen\u00ed pen\u011bz. Ano, je mo\u017en\u00e9 je d\u00e1t do sejfu, kde budou v bezpe\u010d\u00ed. Kdo ale zaru\u010d\u00ed, \u017ee zlod\u011bji nevezmou onen sejf, aby ho potom v klidu otev\u0159eli jinde?\t \tPotom jsou tu banky. Zde m\u00e1te na v\u00fdb\u011br z \u0159ady produkt\u016f, v z\u00e1vislosti na tom, jak rychle sv\u00e9 pen\u00edze pl\u00e1nujete utratit. Jeliko\u017e ka\u017ed\u00e1 banka je ze z\u00e1kona poji\u0161t\u011bna proti ztr\u00e1t\u011b, nemus\u00edte se b\u00e1t, \u017ee o ve\u0161ker\u00e9 sv\u00e9 pen\u00edze p\u0159ijdete, i pokud banka zkrachuje. Dal\u0161\u00ed v\u00fdhodou je \u00faro\u010den\u00ed, kdy se v\u00e1m ka\u017ed\u00fd m\u011bs\u00edc p\u0159ipisuje ur\u010dit\u00e1 \u010d\u00e1stka v z\u00e1vislosti na tom, kolik pen\u011bz na bankovn\u00edm \u00fa\u010dtu m\u00e1te. R\u016fzn\u00e9 produkty maj\u00ed r\u016fzn\u011b vysok\u00e9 \u00faroky, ty v\u0161ak \u010dasto p\u0159ich\u00e1z\u00ed s omezen\u00edm. T\u00edm se prakticky vyhnete inflaci, nebo\u0165 \u010d\u00e1stka na va\u0161em \u00fa\u010dtu neust\u00e1le roste, samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee z n\u011bj nebudete vyb\u00edrat.\t \tJako plus lze vid\u011bt i to, \u017ee u sebe nemus\u00edte nosit hotovost, nebo\u0165 banky vyd\u00e1vaj\u00ed platebn\u00ed karty, kter\u00fdmi m\u016f\u017eete platit. Ty jsou nav\u00edc chr\u00e1n\u011bny proti zneu\u017eit\u00ed PIN heslem. Pokud se stane, \u017ee v\u00e1m n\u011bkdo kartu ukradne, sta\u010d\u00ed zavolat do banky a po\u017e\u00e1dat o jej\u00ed zablokov\u00e1n\u00ed. Sv\u00e9 pen\u00edze tak m\u00e1te bezpe\u010dn\u011b chr\u00e1n\u011bn\u00e9. \t \tSamoz\u0159ejm\u011b jsou tu i negativa. Nap\u0159\u00edklad nevid\u00edte p\u0159ed ka\u017ed\u00fdm n\u00e1kupem, kolik v\u00e1m na \u00fa\u010dtu je\u0161t\u011b zb\u00fdv\u00e1. Je tak\u00e9 mnohem snaz\u0161\u00ed utr\u00e1cet pen\u00edze, pokud je p\u0159\u00edmo nevid\u00edte. Je tedy pravd\u011bpodobn\u00e9, \u017ee nap\u0159\u00edklad p\u0159i n\u00e1v\u0161t\u011bv\u011b obchodn\u00edho centra utrat\u00edte v\u00edce, ne\u017e kdybyste platili v hotovosti. \t \tD\u00e1le je tu mo\u017enost krachu banky. Ano, banky jsou poji\u0161t\u011bny, ov\u0161em obvykle nedostanete zp\u011bt ve\u0161ker\u00e9 pen\u00edze, pouze jejich \u010d\u00e1st. \t \tJako posledn\u00ed bych zm\u00ednila fakt, \u017ee ur\u010ditou hotovost sebou budete muset m\u00edt v\u017edy, nebo\u0165 ne v\u0161ude se d\u00e1 platit kartou. Plat\u00ed to p\u0159edev\u0161\u00edm o mal\u00fdch kr\u00e1mc\u00edch. \t \tCelkov\u011b se d\u00e1 \u0159\u00edci, \u017ee je v\u00fdhodn\u011bj\u0161\u00ed si pen\u00edze ulo\u017eit do banky, kde hodnotu neztr\u00e1c\u00ed, n\u00fdbr\u017e z\u00edsk\u00e1vaj\u00ed, a jsou i ve v\u011bt\u0161\u00edm bezpe\u010d\u00ed. Av\u0161ak z\u00e1le\u017e\u00ed jen na va\u0161em rozhodnut\u00ed, jak se sv\u00fdmi financemi nalo\u017e\u00edte.                                                                                                                                                                                                                                                                                                                                                                                         4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze v bance nebo pod pol\u0161t\u00e1\u0159em?","item":"https:\/\/www.pppvy.cz\/penize-v-bance-nebo-pod-polstarem\/#breadcrumbitem"}]}]