{"id":1786,"date":"2018-09-21T20:19:18","date_gmt":"2018-09-21T19:19:18","guid":{"rendered":"https:\/\/ekompetence.cz.hyperion.blueboard.cz\/?p=1786"},"modified":"2018-09-21T20:19:18","modified_gmt":"2018-09-21T19:19:18","slug":"myslite-dostatecne-na-financni-budoucnost-svych-deti","status":"publish","type":"post","link":"https:\/\/ekompetence.cz\/?p=1786","title":{"rendered":"Mysl\u00edte dostate\u010dn\u011b na finan\u010dn\u00ed budoucnost sv\u00fdch d\u011bt\u00ed?"},"content":{"rendered":"

Ka\u017ed\u00fd rodi\u010d se star\u00e1 o budoucnost sv\u00fdch d\u011bt\u00ed. Ot\u00e1zkou v\u0161ak je, zda to d\u011bl\u00e1 v\u017edy t\u00edm nejlep\u0161\u00edm zp\u016fsobem. Jste-li si jist\u00ed, \u017ee vy jste zvolili ten nejlep\u0161\u00ed \u00fa\u010det, pak je to jen v po\u0159\u00e1dku. Chcete-li se v\u0161ak inspirovat nov\u00fdmi mo\u017enostmi, pod\u00edvejte se na n\u00e1sleduj\u00edc\u00ed \u010dl\u00e1nek. T\u0159eba v\u00e1m napov\u00ed, jak\u00fdm sm\u011brem se je\u0161t\u011b m\u016f\u017eete vydat, tak abyste naplnili finan\u010dn\u00ed potenci\u00e1l sv\u00fdch potomk\u016f. Maj\u00ed na to p\u0159ece pr\u00e1vo!<\/span><\/i><\/p>\n

D\u00edt\u011b m\u00e1 pr\u00e1vo na \u0161\u0165astnou budoucnost<\/span><\/h2>\n

M\u00e1lokter\u00fd rodi\u010d by sv\u00e9mu d\u00edt\u011bti z principu nep\u0159\u00e1l \u0161\u0165astn\u011bj\u0161\u00ed budoucnost, ne\u017e jakou on s\u00e1m pro\u017eil vlastn\u00ed minulost. Bohu\u017eel v\u0161ak p\u0159\u00edli\u0161 mnoho dobr\u00fdch my\u0161lenek ztroskot\u00e1v\u00e1 v oblasti v t\u00e9to spole\u010dnosti hluboce zako\u0159en\u011bn\u00e9ho pesimismu, kter\u00fd odrazuje od jejich realizace. Pro\u010d m\u00e1m spo\u0159it pravideln\u011b sv\u00e9mu d\u00edt\u011bti, kdy\u017e st\u011b\u017e\u00ed ka\u017ed\u00fd m\u011bs\u00edc vych\u00e1z\u00edme? Ano, to je skute\u010dn\u011b nep\u0159\u00edjemn\u00e9, ale st\u00e1le se to nem\u016f\u017ee st\u00e1t omluvenkou pro laxn\u00ed p\u0159\u00edstup k finan\u010dn\u00ed budoucnosti va\u0161eho d\u00edt\u011bte. Spo\u0159it se d\u00e1 skute\u010dn\u011b i po velmi mal\u00fdch \u010d\u00e1stk\u00e1ch. Stejn\u011b tak je ale d\u016fle\u017eit\u00e9 od \u00fatl\u00e9ho v\u011bku va\u0161emu d\u00edt\u011bti v\u0161t\u011bpovat \u00factu k pen\u011bz\u016fm, ke kter\u00fdm je t\u0159eba zaujmout rovnov\u00e1\u017en\u00fd postoj: p\u0159\u00edli\u0161 neutr\u00e1cet, av\u0161ak netr\u00e1pit se zase a\u017e nezdrav\u00fdm stylem \u0161et\u0159en\u00ed. Zn\u00ed to sice jednodu\u0161e, ale v praxi je to samoz\u0159ejm\u011b mnohem t\u011b\u017e\u0161\u00ed. Podstatn\u00e1 je tedy va\u0161e siln\u00e1 v\u016fle a motivace prosp\u011bt va\u0161emu d\u00edt\u011bti, jak nejv\u00edce ve va\u0161\u00ed dan\u00e9 situaci m\u016f\u017eete.<\/span><\/p>\n

\"\"<\/a><\/p>\n

V\u00fdhody vlastn\u00edch \u00fa\u010dt\u016f va\u0161ich potomk\u016f<\/span><\/h2>\n

Z\u0159\u00edd\u00edte-li sv\u00e9mu potomkovi <\/span>d\u011btsk\u00fd \u00fa\u010det<\/span><\/a> \u010di <\/span>studentsk\u00fd \u00fa\u010det<\/span><\/a><\/span>, ud\u011bl\u00e1te pro n\u011bj v\u00edce dobr\u00e9ho pro jeho pozd\u011bj\u0161\u00ed budoucnost, ne\u017e si v\u016fbec v tuto chv\u00edli mysl\u00edte. A to hned ve dvou rovin\u00e1ch. V t\u00e9 prvn\u00ed se jedn\u00e1 o skute\u010dnost, \u017ee va\u0161e d\u00edt\u011b bude moci disponovat postupn\u011b uspo\u0159enou \u010d\u00e1stkou, kter\u00e1 ve v\u00fdsledku v\u016fbec nemus\u00ed b\u00fdt mal\u00e1. I oce\u00e1n se skl\u00e1d\u00e1 z \u0159ady kapek. V druh\u00e9 \u0159ad\u011b se pak jedn\u00e1 o skute\u010dnost, \u017ee prost\u0159ednictv\u00edm spo\u0159en\u00ed m\u016f\u017eete i sv\u00e9ho potomka systematicky seznamovat s hodnotou a v\u00fdznamem pen\u011bz, proto\u017ee i kdy\u017e se dnes ji\u017e z v\u011bt\u0161iny jedn\u00e1 o \u010d\u00e1stky virtu\u00e1ln\u00edho charakteru, kter\u00e9 lze spat\u0159it na obrazovce internetov\u00e9ho bankovnictv\u00ed, jejich prav\u00e1 podstata je v\u00edce ne\u017e materi\u00e1ln\u00edho charakteru.<\/span><\/p>\n

Konkr\u00e9tn\u00ed nab\u00eddka \u00fa\u010dt\u016f pro d\u011bti a mlad\u00e9<\/span><\/h2>\n

Neexistuje jedin\u00e1 spr\u00e1vn\u00e1 odpov\u011b\u010f, jak\u00fd ide\u00e1ln\u00ed \u00fa\u010det pro sv\u00e9 d\u011bti je vhodn\u00e9 zvolit, ale jako zaj\u00edmav\u00e1 mo\u017enost se jev\u00ed nap\u0159\u00edklad mKonto pro d\u011bti, kter\u00e9 je ur\u010deno pro v\u011bkovou skupinu do 15 let v\u011bku. K tomuto kontu lze pak zalo\u017eit a\u017e \u010dty\u0159i spo\u0159ic\u00ed \u00fa\u010dty eMax Plus se zv\u00fdhodn\u011bn\u00fdm \u00farokem, kde lze spo\u0159it pen\u00edze pro pozd\u011bj\u0161\u00ed samostatn\u00fd \u017eivot v dosp\u011blosti, rovn\u011b\u017e lze tyto finance vyu\u017e\u00edt i k \u00fahrad\u011b studia \u010di n\u00e1klad\u016f na pozn\u00e1v\u00e1n\u00ed ciz\u00edch zem\u00ed. K \u00fa\u010dtu se v\u00e1\u017ee i internetov\u00e9 bankovnictv\u00ed, k n\u011bmu\u017e v\u0161ak m\u00e1 d\u00edt\u011b z\u0159\u00edzen pouze pasivn\u00ed p\u0159\u00edstup. Nicm\u00e9n\u011b m\u016f\u017ee i tak monitorovat svou finan\u010dn\u00ed situaci, co\u017e je v\u00edce ne\u017e d\u016fle\u017eit\u00e9, aby se sezn\u00e1milo se skute\u010dnou hodnotou pen\u011bz. Bude-li d\u00edt\u011b moci sledovat, jak\u00fdm zp\u016fsobem hospoda\u0159\u00ed s pen\u011bzi sv\u011b\u0159en\u00e9ho kapesn\u00e9ho, dok\u00e1\u017ee postupem \u010dasu v\u00edce p\u0159evz\u00edt zodpov\u011bdnost za sv\u00e9 z\u00e1le\u017eitosti i v dal\u0161\u00edch sf\u00e9r\u00e1ch sv\u00e9ho \u017eivota. A to je pro rodi\u010de v\u00edce ne\u017e dobr\u00e1 zpr\u00e1va!<\/span><\/p>\n

Pro teenagery nad 15 let v\u011bku pak m\u016f\u017ee b\u00fdt velmi vhodnou variantou nap\u0159\u00edklad produkt mKonto na vlastn\u00ed triko, kter\u00fd je orientov\u00e1n na v\u011bkovou skupinu od 15 do 18 let. \u00a0K tomuto \u00fa\u010dtu je rovn\u011b\u017e bezplatn\u011b poskytov\u00e1na i bezkontaktn\u00ed platebn\u00ed karta a jsou povoleny t\u0159i v\u00fdb\u011bry z jak\u00e9hokoliv tuzemsk\u00e9ho bankomatu bez zpoplatn\u011bn\u00ed (v zahrani\u010d\u00ed je pak v\u00fdb\u011br nezpoplatn\u011bn\u00fd, je-li vy\u0161\u0161\u00ed ne\u017e \u010d\u00e1stka 1 500 K\u010d). Spravovat \u00fa\u010det lze i pomoc\u00ed mobiln\u00ed aplikace, kter\u00e1 je velmi intuitivn\u00ed a jej\u00ed ovl\u00e1d\u00e1n\u00ed nep\u0159edstavuje pro mlad\u00e9 lidi, kte\u0159\u00ed jsou zvykl\u00ed na nejnov\u011bj\u0161\u00ed technologie, skute\u010dn\u011b \u017e\u00e1dn\u00fd probl\u00e9m. K zalo\u017een\u00ed konta je nutn\u00e9 p\u0159edlo\u017eit ob\u010dansk\u00fd pr\u016fkaz d\u00edt\u011bte. Platnost konta je pak ukon\u010dena z\u00edsk\u00e1n\u00edm plnoletosti, kdy je pot\u00e9 nutn\u00e9 zvolit nov\u00fd finan\u010dn\u00ed produkt, kter\u00fd bude pro ji\u017e plnolet\u00e9ho ob\u010dana v\u00edce adekv\u00e1tn\u00ed.<\/span><\/p>\n

Ve\u010fte d\u011bti v\u017edy k aktivn\u00edmu postoji<\/span><\/h2>\n

Jak ji\u017e bylo uvedeno v textu v\u00fd\u0161e, je v z\u00e1jmu va\u0161ich d\u011bt\u00ed v\u017edy ta v\u00fdchova, kter\u00e1 je bude sm\u011brovat k samostatnosti, nez\u00e1vislosti a zdrav\u00e9mu sebev\u011bdom\u00ed, a to <\/span>v\u010detn\u011b oblasti financ\u00ed<\/span><\/a><\/span>. D\u011bti nesm\u00ed vyr\u016fstat v atmosf\u00e9\u0159e strachu, av\u0161ak mus\u00ed b\u00fdt informov\u00e1ny o tom, \u017ee pen\u00edze nejsou \u017e\u00e1dnou samoz\u0159ejmou v\u011bc\u00ed a jejich z\u00edsk\u00e1v\u00e1n\u00ed, tj. vyd\u011bl\u00e1v\u00e1n\u00ed, nen\u00ed nic jednoduch\u00e9ho a z tohoto d\u016fvodu je t\u0159eba si jich skute\u010dn\u011b v\u00e1\u017eit. To \u010di\u0148te i v p\u0159\u00edpad\u011b, \u017ee vy osobn\u011b pat\u0159\u00edte do nadpr\u016fm\u011brn\u00e9 p\u0159\u00edjmov\u00e9 skupiny, proto\u017ee pokora ve finan\u010dn\u00edch z\u00e1le\u017eitostech m\u016f\u017ee b\u00fdt ku prosp\u011bchu i potomk\u016fm milion\u00e1\u0159\u016f. Budou-li d\u011bti stav\u011bny p\u0159ed povinnost dok\u00e1zat hospoda\u0159it, tj. vyj\u00edt se sv\u011b\u0159en\u00fdm m\u011bs\u00ed\u010dn\u00edm kapesn\u00fdm, pochop\u00ed mnohem rychleji, co to znamen\u00e1 spo\u0159it ur\u010ditou c\u00edlovou \u010d\u00e1stku \u010di spl\u00e1cet pravidelnou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku. V\u0161e se tak odehr\u00e1v\u00e1 jen a jen pro jejich dobro!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Ka\u017ed\u00fd rodi\u010d se star\u00e1 o budoucnost sv\u00fdch d\u011bt\u00ed. Ot\u00e1zkou v\u0161ak je, zda to d\u011bl\u00e1 v\u017edy t\u00edm nejlep\u0161\u00edm zp\u016fsobem. Jste-li si jist\u00ed, \u017ee vy jste zvolili…<\/p>\n","protected":false},"author":1,"featured_media":1788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[3],"tags":[432,433,431],"class_list":["post-1786","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","tag-detsky-ucet","tag-studentsky-ucet","tag-vcetne-oblasti-financi"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t