[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.quprax.sk\/zvazte-tieto-rizika-pri-planovani-osobnych-financii\/#Article","mainEntityOfPage":"https:\/\/www.quprax.sk\/zvazte-tieto-rizika-pri-planovani-osobnych-financii\/","headline":"Zv\u00e1\u017ete tieto rizik\u00e1 pri pl\u00e1novan\u00ed osobn\u00fdch financi\u00ed","name":"Zv\u00e1\u017ete tieto rizik\u00e1 pri pl\u00e1novan\u00ed osobn\u00fdch financi\u00ed","description":"Niektor\u00e9 finan\u010dn\u00e9 rizik\u00e1 va\u0161ich osobn\u00fdch financi\u00ed nem\u00f4\u017eu by\u0165 zmiernen\u00e9 finan\u010dn\u00fdmi produktmi, preto\u017ee tak\u00e9to produkty takmer neexistuj\u00fa. To sp\u00f4sobuje, \u017ee tieto probl\u00e9my sa st\u00e1vaj\u00fa zlo\u017eit\u00fdmi a podliehaj\u00fa len uspokojiv\u00fdm rie\u0161eniam. Spravidla hovor\u00edme o\u00a0troch typoch riz\u00edk. Riziko dlhovekosti Riziko dlhovekosti je riziko, \u017ee \u017eijete ove\u013ea dlh\u0161ie ako priemer, a t\u00fdm vy\u010derp\u00e1te svoje \u00faspory po\u010das svojho \u017eivota. Povedzme,…","datePublished":"2018-08-30","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.quprax.sk\/author\/#Person","name":"","url":"https:\/\/www.quprax.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4faace62981be50719be6a25151192978e6d585737a520836dcb98934de3bb45?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"quprax.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.quprax.sk\/wp-content\/uploads\/img_a292723_w16589_t1540918361.jpg","url":"https:\/\/www.quprax.sk\/wp-content\/uploads\/img_a292723_w16589_t1540918361.jpg","height":0,"width":0},"url":"https:\/\/www.quprax.sk\/zvazte-tieto-rizika-pri-planovani-osobnych-financii\/","about":["Financie"],"wordCount":446,"articleBody":"Niektor\u00e9 finan\u010dn\u00e9 rizik\u00e1 va\u0161ich osobn\u00fdch financi\u00ed nem\u00f4\u017eu by\u0165 zmiernen\u00e9 finan\u010dn\u00fdmi produktmi, preto\u017ee tak\u00e9to produkty takmer neexistuj\u00fa. To sp\u00f4sobuje, \u017ee tieto probl\u00e9my sa st\u00e1vaj\u00fa zlo\u017eit\u00fdmi a podliehaj\u00fa len uspokojiv\u00fdm rie\u0161eniam. Spravidla hovor\u00edme o\u00a0troch typoch riz\u00edk.Riziko dlhovekostiRiziko dlhovekosti je riziko, \u017ee \u017eijete ove\u013ea dlh\u0161ie ako priemer, a t\u00fdm vy\u010derp\u00e1te svoje \u00faspory po\u010das svojho \u017eivota. Povedzme, \u017ee ist\u00fd p\u00e1r m\u00e1 v s\u00fa\u010dasnosti 60 rokov a pr\u00e1ve odi\u0161li do d\u00f4chodku. Vypo\u010d\u00edtavaj\u00fa, \u017ee ich priemern\u00e1 d\u013a\u017eka \u017eivota je 80 a 83 rokov. Zhroma\u017e\u010fovanie \u00faspor na zhruba 23 rokov sa zd\u00e1 by\u0165 uskuto\u010dnite\u013en\u00e9. Ale tie\u017e vedia, \u017ee priemern\u00e1 pravdepodobnos\u0165 je zav\u00e1dzaj\u00faca. Pravdepodobnos\u0165, \u017ee \u017eij\u00fa po dosiahnut\u00ed veku 95 rokov, je 5%, 10% a 14%. Tvorba ich \u00faspor v priebehu 35 rokov a st\u00e1le so 14% pravdepodobnos\u0165ou zlyhania sa prirodzene pova\u017euje za sk\u013eu\u010duj\u00face. Pre v\u00e4\u010d\u0161inu \u013eud\u00ed je jedin\u00fdm finan\u010dn\u00fdm produktom, ktor\u00fd m\u00f4\u017ee zn\u00ed\u017ei\u0165 riziko dlhovekosti, do\u017eivotn\u00fd d\u00f4chodok. Tento finan\u010dn\u00fd produkt je v\u0161ak potrebn\u00e9 od \u017eivotnej pois\u0165ovni k\u00fapi\u0165.Na zmiernenie tohto neintuit\u00edvneho aspektu budete musie\u0165 postupne zni\u017eova\u0165 v\u00fddavky po\u010das d\u00f4chodku.Riziko zdravotn\u00e9ho postihnutia a kritick\u00e9ho ochorenia\u017divotn\u00e9 poistenie umo\u017e\u0148uje ochranu pred rizikom \u00famrtnosti prim\u00e1rneho \u017eivite\u013ea rodiny. Je v\u0161ak mimoriadne \u0165a\u017ek\u00e9 chr\u00e1ni\u0165 pred zdravotn\u00fdm postihnut\u00edm a kritick\u00fdm rizikom ochorenia, ktor\u00e9 m\u00f4\u017eu tie\u017e ukon\u010di\u0165 pr\u00edjmy z miezd alebo podnikania. Z r\u00f4znych d\u00f4vodov sa produkty poistn\u00e9ho krytia t\u00fdkaj\u00fa len malej poistnej sumy alebo ve\u013emi mal\u00e9ho rozsahu probl\u00e9mov.Ve\u013emi obmedzen\u00e9 finan\u010dn\u00e9 rie\u0161enie spo\u010d\u00edva v tom, aby ste u\u0161etrili to\u013eko, ko\u013eko je mo\u017en\u00e9, ke\u010f je \u010dlovek vo veku 20 alebo 30 rokov, a \u010do najviac zn\u00ed\u017ei\u0165 riziko pomocou mnoh\u00fdch mal\u00fdch nefinan\u010dn\u00fdch rie\u0161en\u00ed, ako je d\u00f4sledn\u00e9 sledovanie zdravia.Riziko neo\u010dak\u00e1vanej vysokej infl\u00e1cieNeo\u010dak\u00e1van\u00e1 vysok\u00e1 infl\u00e1cia zn\u00ed\u017ei re\u00e1lnu hodnotu dlhopisu. Riziko sa d\u00e1 zmierni\u0165\u00a0 t\u00fdm, \u017ee m\u00e1te v dr\u017ebe cenn\u00e9 papiere chr\u00e1nen\u00e9 proti infl\u00e1cii (TIPS).\u00a0By\u0165 mana\u017e\u00e9rom financi\u00ed svojej rodiny si vy\u017eaduje, aby ste navy\u0161e bojovali s dlhodob\u00fdmi komplexn\u00fdmi probl\u00e9mami, ktor\u00e9 sa zdaj\u00fa by\u0165 nevyrie\u0161ite\u013en\u00e9 a n\u00e1js\u0165 pre nich dostato\u010dn\u00e9 rie\u0161enie. By\u0165 kompetentn\u00fdm investorom financi\u00ed svojej rodiny si vy\u017eaduje, aby bol \u010dlovek ochotn\u00fd z\u00e1pasi\u0165 s probl\u00e9mami a rie\u0161eniami, ktor\u00e9 v\u00e4\u010d\u0161ina \u013eud\u00ed pova\u017euje za smie\u0161ne.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zv\u00e1\u017ete tieto rizik\u00e1 pri pl\u00e1novan\u00ed osobn\u00fdch financi\u00ed","item":"https:\/\/www.quprax.sk\/zvazte-tieto-rizika-pri-planovani-osobnych-financii\/#breadcrumbitem"}]}]