[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fa-zona.cz\/navrat-nebo-konec-vkladnich-knizek\/#Article","mainEntityOfPage":"https:\/\/www.fa-zona.cz\/navrat-nebo-konec-vkladnich-knizek\/","headline":"N\u00e1vrat nebo konec vkladn\u00edch kn\u00ed\u017eek","name":"N\u00e1vrat nebo konec vkladn\u00edch kn\u00ed\u017eek","description":"Kdy\u017e se \u0159ekne vkladn\u00ed kn\u00ed\u017eka, je mo\u017en\u00e9, \u017ee mlad\u0161\u00ed generace<span class=\"more-dots\"><a href=\"https:\/\/www.fa-zona.cz\/navrat-nebo-konec-vkladnich-knizek\/\">[ ... ]<\/span><\/a>","datePublished":"2017-12-28","dateModified":"2023-05-10","author":{"@type":"Person","@id":"https:\/\/www.fa-zona.cz\/author\/#Person","name":"","url":"https:\/\/www.fa-zona.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fa-zona.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fa-zona.cz\/wp-content\/uploads\/img_a308689_w2323_t1519807714.jpg","url":"https:\/\/www.fa-zona.cz\/wp-content\/uploads\/img_a308689_w2323_t1519807714.jpg","height":0,"width":0},"url":"https:\/\/www.fa-zona.cz\/navrat-nebo-konec-vkladnich-knizek\/","about":["Finance"],"wordCount":449,"articleBody":"Kdy\u017e se \u0159ekne vkladn\u00ed kn\u00ed\u017eka, je mo\u017en\u00e9, \u017ee mlad\u0161\u00ed generace nebude v\u011bd\u011bt o \u010dem je vlastn\u011b \u0159e\u010d. V\u011bt\u0161ina z nich toti\u017e asi o existenci vkladn\u00edch kn\u00ed\u017eek nem\u00e1 v\u016fbec tu\u0161en\u00ed. Jsou p\u0159e\u017eitek z minul\u00fdch dob. Maj\u00ed v\u016fbec je\u0161t\u011b n\u011bjakou \u0161anci? Finan\u010dn\u00ed trh n\u00e1m nab\u00edz\u00ed toti\u017e spoustu jin\u00fdch mo\u017enost\u00ed. M\u016f\u017eete sv\u00e9 pen\u00edze u\u0161et\u0159it efektivn\u011bji. V nab\u00eddce je mno\u017estv\u00ed spo\u0159ic\u00edch \u00fa\u010dt\u016f, kter\u00e9 m\u016f\u017eeme vyu\u017e\u00edt a pravd\u011bpodobn\u011b i s v\u00fdhodn\u011bj\u0161\u00ed \u00farokovou sazbou ne\u017e n\u00e1m nab\u00edz\u00ed spo\u0159en\u00ed na vkladn\u00ed kn\u00ed\u017eku. \u00darokov\u00e1 sazba na vkladn\u00ed kn\u00ed\u017ece je toti\u017e podstatn\u011b ni\u017e\u0161\u00ed.Nen\u00ed tedy divu, \u017ee o spo\u0159en\u00ed pen\u011bz na vkladn\u00ed kn\u00ed\u017eku je jen minim\u00e1ln\u00ed z\u00e1jem. Z tohoto d\u016fvodu tak\u00e9 naleznete tento produkt jen u miziv\u00e9ho mno\u017estv\u00ed bankovn\u00edch instituc\u00ed. V\u011bt\u0161ina bank a spo\u0159itelen toti\u017e tuto mo\u017enost v\u016fbec nenab\u00edz\u00ed.&nbsp;Vkladn\u00ed kn\u00ed\u017eky jsou nejsp\u00ed\u0161 p\u0159e\u017eitkem a jejich nejlep\u0161\u00ed dob\u011b u\u017e odzvonilo, ale to neznamen\u00e1, \u017ee se s nimi nem\u016f\u017eete setkat. Ur\u010dit\u011b n\u011bkte\u0159\u00ed star\u0161\u00ed ob\u010dan\u00e9 je\u0161t\u011b vkladn\u00ed kn\u00ed\u017ekou disponuj\u00ed. Zejm\u00e9na to budou prarodi\u010de, kter\u00fdm je tento finan\u010dn\u00ed produkt historicky bl\u00edzk\u00fd a kte\u0159\u00ed se rozhodli uspo\u0159it n\u011bjak\u00fd obnos t\u0159eba sv\u00fdm vnou\u010dat\u016fm. Nezapome\u0148te v tomto p\u0159\u00edpad\u011bna to, \u017ee podm\u00ednky pro v\u00fdb\u011br pen\u011bz a darov\u00e1n\u00ed vkladn\u00edch kn\u00ed\u017eek pro\u0161li legislativn\u00edmi zm\u011bnami.Zjist\u011bte si aktu\u00e1ln\u00ed zm\u011bny. Mezi novinky pat\u0159\u00ed p\u0159\u00edpad, kdy se rozhodnete svou vkladn\u00ed kn\u00ed\u017eku n\u011bkomu darovat. V t\u00e9to situaci mus\u00edte na\u0161et\u0159en\u00fd obnos z kn\u00ed\u017eky vybrat a pouk\u00e1zat na \u00fa\u010det p\u0159\u00edjemce. V\u00fdb\u011br pen\u011bz je v\u00e1z\u00e1n ur\u010ditou v\u00fdpov\u011bdn\u00ed lh\u016ftou, berte to tedy tak\u00e9 v potaz.V dne\u0161n\u00ed dob\u011b asi \u00fapln\u011b nezn\u00e1m\u00e1 je v\u00fdhern\u00ed vkladn\u00ed kn\u00ed\u017eka. \u017d\u00e1dn\u00fd podobn\u00fd produkt na finan\u010dn\u00edm trhu nenaleznete. Ve sv\u00e9 podstat\u011b je to historick\u00e1 z\u00e1le\u017eitost. Jestli \u010dek\u00e1te na t\u00e9to kn\u00ed\u017ece n\u011bjak\u00e9 v\u00fdhodn\u00e9 \u00faroky, budete velmi zklam\u00e1ni. Toto spo\u0159en\u00ed je toti\u017e bez\u00faro\u010dn\u00e9. Jedin\u00e9, co by na v\u00fdhern\u00ed vkladn\u00ed kn\u00ed\u017ece pro v\u00e1s mohlo b\u00fdt zaj\u00edmav\u00e9 je slosov\u00e1n\u00ed dvakr\u00e1t do roka. Pokud jste d\u00edt\u011b \u0161t\u011bst\u011bny a bude vylosov\u00e1na vkladn\u00ed kn\u00ed\u017eka s va\u0161\u00edm \u010d\u00edslem, m\u016f\u017eete z\u00edskat v\u00fdhru a\u017e 1 000 000 korun.                                                                                                                                                                                                                                                                                                                                                                                        5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1vrat nebo konec vkladn\u00edch kn\u00ed\u017eek","item":"https:\/\/www.fa-zona.cz\/navrat-nebo-konec-vkladnich-knizek\/#breadcrumbitem"}]}]