[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.calliditas.sk\/financovanie-buducnosti-dietata\/#Article","mainEntityOfPage":"https:\/\/www.calliditas.sk\/financovanie-buducnosti-dietata\/","headline":"Financovanie bud\u00facnosti die\u0165a\u0165a","name":"Financovanie bud\u00facnosti die\u0165a\u0165a","description":"Ak sa narod\u00ed die\u0165a, potrebuje opateru, v\u00fdchovu k z\u00e1kladn\u00fdm veciam, no a samozrejme \u017ee aj financie, ktor\u00e9 si e\u0161te nedok\u00e1\u017ee zohna\u0165 samo. S jeho financovan\u00edm … ","datePublished":"2018-03-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.calliditas.sk\/author\/#Person","name":"","url":"https:\/\/www.calliditas.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/48db5b3634ed7a3f1f89bca90f0a2521b0bb3970d57e3653d258d10b0f31fdf3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/48db5b3634ed7a3f1f89bca90f0a2521b0bb3970d57e3653d258d10b0f31fdf3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"calliditas.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.calliditas.sk\/wp-content\/uploads\/img_a288229_w2018_t1527503253.jpg","url":"https:\/\/www.calliditas.sk\/wp-content\/uploads\/img_a288229_w2018_t1527503253.jpg","height":0,"width":0},"url":"https:\/\/www.calliditas.sk\/financovanie-buducnosti-dietata\/","about":["Ekonomika"],"wordCount":413,"articleBody":"Ak sa narod\u00ed die\u0165a, potrebuje opateru, v\u00fdchovu k z\u00e1kladn\u00fdm veciam, no a samozrejme \u017ee aj financie, ktor\u00e9 si e\u0161te nedok\u00e1\u017ee zohna\u0165 samo. S jeho financovan\u00edm je to dlhoro\u010dn\u00fd proces, no a okrem pr\u00edtomn\u00fdch potrieb treba myslie\u0165 i na financovanie jeho bud\u00facnosti. Bud\u00facnos\u0165 spojen\u00fa predov\u0161etk\u00fdm s jeho plnolet\u00fdm \u017eivotom, mo\u017enos\u0165ou \u010fal\u0161ieho \u0161t\u00fadia, svadby, uva\u017eovan\u00ed o samostatnom b\u00fdvan\u00ed,… v dne\u0161nej dobe to skr\u00e1tka bez finan\u010dnej pomoci nejde. A kto by mal pom\u00f4c\u0165 s touto \u0165a\u017ekou \u00falohou, ak nie rodi\u010dia? \u0160t\u00e1t, banky,… no ale vieme svoje. \u013dudia sa musia spo\u013eahn\u00fa\u0165 hlavne na seba, no a mlad\u00ed \u013eudia spo\u010diatku na svojich rodi\u010dov. Odklada\u0165 peniaze pre deti do ich dospelosti sa st\u00e1ve takmer rovnako potrebn\u00fdm, ako financova\u0165 ich detstvo.\u2022\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ka\u017ed\u00fd \u010dlovek zrejme r\u00e1d uv\u00edta finan\u010dn\u00fd \u0161tartovac\u00ed bal\u00ed\u010dek, ktor\u00fd si bude m\u00f4c\u0165 vybra\u0165 v obdob\u00ed svojej dospelosti.Finan\u010dn\u00fd \u0161tartovac\u00ed bal\u00ed\u010dek je tak s\u00fahrn finan\u010dn\u00fdch tokov, ktor\u00e9 nes\u00favisia s financovan\u00edm be\u017en\u00fdch potrieb. Tieto toky musia by\u0165 tvoren\u00e9 z rezerv rodi\u010dov. To znamen\u00e1, \u017ee rodi\u010d po cel\u00fd \u010das financuje be\u017en\u00e9 potreby die\u0165a\u0165a ako \u0161kolu \u010di kurzy, popritom odklad\u00e1 na „hor\u0161ie \u010dasy“. Finan\u010dn\u00fd \u0161tartovac\u00ed bal\u00ed\u010dek tak mus\u00ed by\u0165 vytvoren\u00fd z rezervn\u00fdch tokov, odlo\u017een\u00fdch pe\u0148az\u00ed, ktor\u00e9 nepokr\u00fdvaj\u00fa tieto zmienen\u00e9 z\u00e1kladn\u00e9 veci. Polopatisticky povedan\u00e9, okrem financovania a odkladania pe\u0148az\u00ed pre s\u00fa\u010dasn\u00fd rozvoj die\u0165a\u0165a, mus\u00ed rodi\u010d popritom financova\u0165 i \u010fal\u0161ie rezervy, ktor\u00e9 zasa bud\u00fa spojen\u00e9 s dospel\u00fdm \u017eivotom die\u0165a\u0165a.Viem, \u013eah\u0161ie sa o tom pou\u010duje a p\u00ed\u0161e, ne\u017e sa to realizuje, nako\u013eko platy s\u00fa v porovnan\u00ed s v\u00fddavkami na viacer\u00fdch \u00faemiach SR n\u00edzke, v\u00fddavky vysok\u00e9, pr\u00eddavky na die\u0165a cca 23 eur, no a nepo\u010d\u00edtaj\u00fac n\u00e1klady spojen\u00e9 so stravou, oble\u010den\u00edm,… ale skr\u00e1tka tak\u00fdmto \u0161t\u00fdlom rezerv dnes financovanie bud\u00facnosti die\u0165a\u0165a prebieha a zd\u00e1 sa to by\u0165 ako jedin\u00fd odporu\u010den\u00fd syst\u00e9m, ako jeho bud\u00facnos\u0165 zabezpe\u010di\u0165. Ak by sme napr\u00edklad odkladali rezervy do dynamick\u00e9ho portf\u00f3lia od narodenia die\u0165a\u0165a po 30 eur, po osemn\u00e1stich rokoch tak m\u00f4\u017ee dosta\u0165 \u0161tartovac\u00ed bal\u00ed\u010dek v sume \u00fadajne a\u017e nie\u010do cez 12 000 eur.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Financovanie bud\u00facnosti die\u0165a\u0165a","item":"https:\/\/www.calliditas.sk\/financovanie-buducnosti-dietata\/#breadcrumbitem"}]}]