[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.1cdc.sk\/sporenie-pre-ludi-v-slovenskej-sporitelni\/#Article","mainEntityOfPage":"https:\/\/www.1cdc.sk\/sporenie-pre-ludi-v-slovenskej-sporitelni\/","headline":"Sporenie pre \u013eud\u00ed v slovenskej sporite\u013eni","name":"Sporenie pre \u013eud\u00ed v slovenskej sporite\u013eni","description":"1.\u00a0 Sporenie na rezervu &#8211;\u00a0 Ide o vo\u013en\u00e9 peniaze, ktor\u00e9 m\u00f4\u017eete vybra\u0165 aj vlo\u017ei\u0165 hocikedy, kedy chcete. \u00darokov\u00e1 sadzba pri nav\u00fd\u0161en\u00ed mesa\u010dn\u00e9ho zostatku o 50 eur je 0,2% ro\u010dne, inak ide \u00farokov\u00fa sadzbu 0,1% ro\u010dne. S\u00fa\u010das\u0165ou tohto sporenia je poistenie osobn\u00fdch vec\u00ed a neh\u00f4d v dom\u00e1cnostiach a to do v\u00fd\u0161ky 200 eur. Na toto sporenie nie je nutn\u00e9 ma\u0165 vytvoren\u00fd [&hellip;]","datePublished":"2017-06-29","dateModified":"2017-06-29","author":{"@type":"Person","@id":"https:\/\/www.1cdc.sk\/author\/#Person","name":"","url":"https:\/\/www.1cdc.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"1cdc.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.1cdc.sk\/wp-content\/uploads\/img_a282188_w2012_t1504020722.jpg","url":"https:\/\/www.1cdc.sk\/wp-content\/uploads\/img_a282188_w2012_t1504020722.jpg","height":0,"width":0},"url":"https:\/\/www.1cdc.sk\/sporenie-pre-ludi-v-slovenskej-sporitelni\/","wordCount":512,"articleBody":"1.\u00a0 Sporenie na rezervu &#8211;\u00a0 Ide o vo\u013en\u00e9 peniaze, ktor\u00e9 m\u00f4\u017eete vybra\u0165 aj vlo\u017ei\u0165 hocikedy, kedy chcete. \u00darokov\u00e1 sadzba pri nav\u00fd\u0161en\u00ed mesa\u010dn\u00e9ho zostatku o 50 eur je 0,2% ro\u010dne, inak ide \u00farokov\u00fa sadzbu 0,1% ro\u010dne. S\u00fa\u010das\u0165ou tohto sporenia je poistenie osobn\u00fdch vec\u00ed a neh\u00f4d v dom\u00e1cnostiach a to do v\u00fd\u0161ky 200 eur. Na toto sporenie nie je nutn\u00e9 ma\u0165 vytvoren\u00fd \u00fa\u010det v slovenskej sporite\u013eni. Pravideln\u00e9 sporenie mus\u00ed by\u0165 minim\u00e1lne 10 eur mesa\u010dne.\u00a02.\u00a0Sporenie pre rados\u0165 \u2013 Pri tomto sporen\u00ed existuje mo\u017enos\u0165 zalo\u017eenia viacer\u00fdch sporen\u00ed na r\u00f4zne \u00fa\u010dely. Peniaze si m\u00f4\u017eete vklada\u0165 kedyko\u013evek a odkia\u013eko\u013evek, ale vybera\u0165 len v de\u0148 sporenia. \u00darokov\u00e1 sadzba pri tomto sporen\u00ed je 0,35% ro\u010dne a \u00farok najviac 20 eur mesa\u010dne. Sporenie od 10 eur mesa\u010dne a poplatky za vedenie \u00fa\u010dtu s\u00fa nulov\u00e9.\u00a03.\u00a0 \u00a0Sporenie na b\u00fdvanie \u2013 Mus\u00edte spori\u0165 minim\u00e1lne 2 roky a ni\u010d nevybera\u0165, ak chcete z\u00edska\u0165 hypot\u00e9ku bez prek\u00e1\u017eok v hodnote 10-n\u00e1sobku nasporenej sumy a\u017e do v\u00fd\u0161ky 90% hodnoty nehnute\u013enosti s najv\u00fdhodnej\u0161\u00edm \u00farokom zo v\u0161etk\u00fdch b\u00e1nk.\u00darokov\u00e1 sadzba je 0,35% ro\u010dne pri pravidelnom sporen\u00ed vo v\u00fd\u0161ke minim\u00e1lne 50 eur, s \u00farokom najviac 20 eur mesa\u010dne, inak je \u00farokov\u00e1 sadzba 0,1% ro\u010dne. Ak budete pravidelne spori\u0165 5 rokov a z nasporen\u00fdch pe\u0148az\u00ed nebutete vybera\u0165, v \u0161iestom roku z\u00edskate na sporen\u00ed o 0,3% ro\u010dne viac.\u00a04.\u00a0 \u00a0\u0160ikovn\u00e9 investi\u010dn\u00e9 sporenie \u2013 Toto sporenie pom\u00f4\u017ee pokry\u0165 v\u0161etky va\u0161e potreby: kr\u00e1tkodob\u00e9 (st\u00e1le dostupn\u00e1 rezerva pe\u0148az\u00ed), strednodob\u00e9 (na dovolenku, svadbu \u010di prom\u00f3cie) a dlhodob\u00e9 (na \u0161t\u00fadium alebo d\u00f4chodok). M\u00f4\u017eete spori\u0165 od 10 do 1000 eur, potom ur\u010d\u00edte v\u00fd\u0161ku cie\u013eovej sumy od 200 do 5000 eur, ktor\u00fa si chcete naspori\u0165 a ma\u0165 v\u017edy k dispoz\u00edcii na \u00fa\u010dte. Na z\u00e1klade potrieb bude rozdelen\u00e9 sporenie do 3 zlo\u017eiek: \u00da\u010det \u0161ikovn\u00e9ho sporenia \u2013 s vo\u013en\u00fdmi mesa\u010dn\u00fdmi \u00farokmi a peniazmi (\u010di\u017ee kedyko\u013evek poruke), SPORO Eurov\u00fd dlhopisov\u00fd fond \u2013 stabiln\u00e9 strednodob\u00e9 zhodnocovanie bez akciov\u00fdch invest\u00edci\u00ed a SPORO Akt\u00edvne portf\u00f3lio \u2013 investovanie s rastov\u00fdm potenci\u00e1lom. \u00darokov\u00e1 sadzba 0,35% ro\u010dne, sporenie od 10 eur mesa\u010dne, mo\u017enos\u0165 mimoriadneho vkladu do 10 000 eur ro\u010dne. Lep\u0161\u00ed \u00farok o 0,1% \/ 0,2% ro\u010dne, bez vstupn\u00fdch poplatkov, jednoduch\u00e1 a bezplatn\u00e1 zmena v\u00fd\u0161ky sporenia, na\u0161etren\u00e9 peniaze kedyko\u013evek k dispoz\u00edcii a m\u00f4\u017eete neust\u00e1le zhodnocova\u0165 svoju invest\u00edciu, ale je tu jedna podmienka a to,\u017ee mus\u00edte ma\u0165 otvoren\u00fd be\u017en\u00fd \u00fa\u010det a preukaza\u0165 sa ob\u010dianskym preukazom.\u00a0Okrem sporenia pre \u013eud\u00ed existuje mno\u017estvo samostatn\u00fdch kateg\u00f3ri\u00ed, ktor\u00e9 maj\u00fa svoje vlastn\u00e9 typy sporen\u00ed. T\u00fdmito kateg\u00f3riami s\u00fa \u017eivnostn\u00edci, slobodn\u00e9 povolanie, za\u010d\u00ednaj\u00faci podnikate\u013e, po\u013enohospod\u00e1ri, obchodn\u00e9, stavebn\u00e9, v\u00fdrobn\u00e9 alebo rast\u00face firmy \u010di dokonca exportn\u00e9 firmy. Ak neviete \u010do s peniazmi, ktor\u00e9 v\u00e1m ost\u00e1vaj\u00fa na \u00fa\u010dte, tak nev\u00e1hajte a za\u010dnite s nimi spori\u0165 pod\u013ea toho, ktor\u00e9 sporenie najviac potrebujte a ktor\u00e9 sa v\u00e1m najviac oplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sporenie pre \u013eud\u00ed v slovenskej sporite\u013eni","item":"https:\/\/www.1cdc.sk\/sporenie-pre-ludi-v-slovenskej-sporitelni\/#breadcrumbitem"}]}]