{"id":225949,"date":"2021-06-02T10:07:58","date_gmt":"2021-06-02T09:07:58","guid":{"rendered":"http:\/\/zakrasnejsivimperk.cz\/?p=225949"},"modified":"2021-06-02T10:07:58","modified_gmt":"2021-06-02T09:07:58","slug":"tz-dtest-jaky-je-rozdil-mezi-sporicim-uctem-a-terminovanym-vkladem","status":"publish","type":"post","link":"https:\/\/zakrasnejsivimperk.cz\/?p=225949","title":{"rendered":"TZ dTest: Jak\u00fd je rozd\u00edl mezi spo\u0159ic\u00edm \u00fa\u010dtem a term\u00ednovan\u00fdm vkladem?"},"content":{"rendered":"<figure id=\"attachment_225950\" aria-describedby=\"caption-attachment-225950\" style=\"width: 1920px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-225950 size-full\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1.jpg\" alt=\"\" width=\"1920\" height=\"1297\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1.jpg 1920w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1-300x203.jpg 300w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1-768x519.jpg 768w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1-1024x692.jpg 1024w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1-528x357.jpg 528w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/pen\u00edze-1-715x483.jpg 715w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption id=\"caption-attachment-225950\" class=\"wp-caption-text\">Ilustra\u010dn\u00ed foto: pixabay<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<h6>Um\u011bn\u00ed hospoda\u0159it s pen\u011bzi pat\u0159\u00ed mezi nejt\u011b\u017e\u0161\u00ed discipl\u00edny sv\u011bta dosp\u011bl\u00fdch. Pro mnoho lid\u00ed p\u0159edstavuje v\u00fdplata jedin\u00fd zdroj p\u0159\u00edjm\u016f, z n\u011bho\u017e je t\u0159eba ka\u017ed\u00fd m\u011bs\u00edc pokr\u00fdt ve\u0161ker\u00e9 v\u00fddaje. K dobr\u00e9mu hospoda\u0159en\u00ed pat\u0159\u00ed nejen d\u016fkladn\u00e9 pl\u00e1nov\u00e1n\u00ed, ale i to, \u017ee \u010d\u00e1st p\u0159\u00edjm\u016f odkl\u00e1d\u00e1te stranou. Takov\u00e9 uspo\u0159en\u00e9 prost\u0159edky v\u00e1m pak za ur\u010dit\u00fdch okolnost\u00ed mohou i vyd\u011bl\u00e1vat. Jak a kde lze dos\u00e1hnout zhodnocen\u00ed?<\/h6>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-131630 alignright\" src=\"http:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg\" alt=\"\" width=\"114\" height=\"300\" srcset=\"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest-114x300.jpg 114w, https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2018\/05\/29\/logo-dtest.jpg 126w\" sizes=\"(max-width: 114px) 100vw, 114px\" \/>Spo\u0159ic\u00ed produkty pat\u0159\u00ed k nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edm n\u00e1stroj\u016fm zhodnocov\u00e1n\u00ed do\u010dasn\u011b voln\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f. D\u016fvod jejich letit\u00e9 obliby tkv\u00ed p\u0159edev\u0161\u00edm v jejich jednoduchosti: sta\u010d\u00ed zvolit nejvhodn\u011bj\u0161\u00ed produkt n\u011bkter\u00e9ho z finan\u010dn\u00edch \u00fastav\u016f. Krit\u00e9ri\u00ed v\u00fdb\u011bru p\u0159itom nen\u00ed mnoho, obvykle se rozhodujete podle v\u00fd\u0161e \u00farokov\u00e9 sazby, typu \u00faro\u010den\u00ed \u010di doprovodn\u00fdch poplatk\u016f.<\/p>\n<p>Z\u00e1sadn\u00ed je si uv\u011bdomit, jak dlouhou dobu chcete vlo\u017een\u00e9 prost\u0159edky v bance ponechat. <em>\u201ePokud si term\u00ednem v\u00fdb\u011bru nejste jist\u00ed, je pro v\u00e1s vhodn\u011bj\u0161\u00ed spo\u0159ic\u00ed \u00fa\u010det. Ten umo\u017e\u0148uje \u00faspory \u010di jejich \u010d\u00e1st kdykoliv vybrat, a m\u00edt tak naspo\u0159en\u00fd obnos v\u017edy k dispozici. Opakem je term\u00ednovan\u00fd vklad, kde je t\u0159eba po\u010d\u00edtat s takzvanou v\u00e1zac\u00ed dobou, po kterou se sv\u00fdmi \u00fasporami nebudete moci disponovat,\u201c<\/em> vysv\u011btluje Eduarda Hek\u0161ov\u00e1, \u0159editelka spot\u0159ebitelsk\u00e9 organizace dTest. A dod\u00e1v\u00e1: <em>\u201eV p\u0159\u00edpad\u011b nutnosti sice m\u016f\u017eete nast\u0159\u00e1dan\u00e9 finance vybrat i mimo p\u0159edem stanovenou dobu, podm\u00ednky p\u0159ed\u010dasn\u00e9ho v\u00fdb\u011bru v\u0161ak b\u00fdvaj\u00ed zna\u010dn\u011b nev\u00fdhodn\u00e9 a banky jej sankcionuj\u00ed nap\u0159\u00edklad ztr\u00e1tou n\u00e1roku na vyplacen\u00ed \u00farok\u016f.\u201c<\/em><\/p>\n<p>Co se t\u00fd\u010de v\u00fd\u0161e zhodnocen\u00ed, v\u011bt\u0161inou jasn\u011b v\u00edt\u011bz\u00ed term\u00ednovan\u00e9 vklady. Banky toti\u017e oce\u0148uj\u00ed, kdy\u017e dop\u0159edu v\u011bd\u00ed, jak dlouhou dobu budou va\u0161e finance spravovat. T\u00e9to informaci zpravidla tak\u00e9 p\u0159izp\u016fsobuj\u00ed v\u00fd\u0161i odm\u011bny, respektive \u00farokov\u00e9 sazby. Mezi dop\u0159edu zn\u00e1mou dobou ulo\u017een\u00ed a p\u0159edpokl\u00e1dan\u00fdm v\u00fdnosem tak v\u011bt\u0161inou plat\u00ed p\u0159\u00edm\u00e1 \u00fam\u011bra: \u010d\u00edm d\u00e9le nech\u00e1te banku se sv\u00fdmi prost\u0159edky disponovat, t\u00edm v\u00edce pen\u011bz na spo\u0159en\u00ed vyd\u011bl\u00e1te.<\/p>\n<p>Ani toto pravidlo v\u0161ak neplat\u00ed stoprocentn\u011b. Existuj\u00ed finan\u010dn\u00ed instituce, kde na term\u00ednovan\u00e9m vkladu s nejdel\u0161\u00ed mo\u017enou v\u00e1zac\u00ed dobou vyd\u011bl\u00e1te m\u00e9n\u011b ne\u017e na spo\u0159ic\u00edm \u00fa\u010dtu s mnohem krat\u0161\u00ed dobou ulo\u017een\u00ed. \u201e<em>Do hry toti\u017e vstupuj\u00ed i dal\u0161\u00ed faktory, kter\u00e9 mohou v\u00fdsledn\u00fd v\u00fdnos zna\u010dn\u011b ovlivnit. Nap\u0159\u00edklad podm\u00ednka vyu\u017e\u00edv\u00e1n\u00ed dal\u0161\u00edho produktu stejn\u00e9 banky, ur\u010den\u00ed minim\u00e1ln\u00edho z\u016fstatku \u010di vkladu nebo nejr\u016fzn\u011bj\u0161\u00ed poplatky za souvisej\u00edc\u00ed finan\u010dn\u00ed transakce,\u201c<\/em> popisuje Eduarda Hek\u0161ov\u00e1. P\u0159ed uzav\u0159en\u00edm smlouvy je proto pot\u0159eba si v\u017edy nejen prostudovat p\u0159\u00edslu\u0161n\u00e9 obchodn\u00ed podm\u00ednky, ale i porovnat danou modelaci s nab\u00eddkou konkurence.<\/p>\n<p>Banky nejsou jedin\u00fdm subjektem, u n\u011bho\u017e m\u016f\u017eete spo\u0159it. Jak spo\u0159ic\u00ed \u00fa\u010dty, tak term\u00ednovan\u00e9 vklady nab\u00edzej\u00ed i dru\u017estevn\u00ed z\u00e1lo\u017eny (podle z\u00e1kona je mo\u017eno pou\u017e\u00edvat i ozna\u010den\u00ed spo\u0159iteln\u00ed \u010di \u00fav\u011brn\u00ed dru\u017estvo). Ty lze zjednodu\u0161en\u011b popsat jako finan\u010dn\u00ed instituce vesm\u011bs men\u0161\u00edho rozsahu, kter\u00e9 svou \u010dinnost soust\u0159ed\u00ed na p\u0159ij\u00edm\u00e1n\u00ed vklad\u016f a poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Oproti klasick\u00fdm bank\u00e1m se z\u00e1lo\u017eny vyzna\u010duj\u00ed liber\u00e1ln\u011bj\u0161\u00edm p\u0159\u00edstupem ke klient\u016fm (\u010dlen\u016fm), s nimi\u017e maj\u00ed bli\u017e\u0161\u00ed vztah ve smyslu rozhodovac\u00edch pravomoc\u00ed i podm\u00ednek poskytov\u00e1n\u00ed \u00fav\u011br\u016f.<\/p>\n<p>Dru\u017estevn\u00ed z\u00e1lo\u017eny byly v minulosti zn\u00e1m\u00e9 sp\u00ed\u0161e pod pojmem \u201ekampeli\u010dky\u201c. Nedokonal\u00e1 legislativa devades\u00e1t\u00fdch let minul\u00e9ho stolet\u00ed umo\u017e\u0148ovala nejen jejich prudk\u00fd nekontrolovan\u00fd n\u00e1r\u016fst, ale tak\u00e9 nezodpov\u011bdn\u00e9 nakl\u00e1d\u00e1n\u00ed s prost\u0159edky klient\u016f ze strany jejich majitel\u016f. Des\u00edtky kampeli\u010dek tak tehdy svou \u010dinnost ukon\u010dily likvidac\u00ed \u010di konkurzem a podveden\u00ed st\u0159adatel\u00e9 se jen t\u011b\u017eko dom\u00e1hali navr\u00e1cen\u00ed sv\u00fdch \u00faspor. <em>\u201eDnes je v\u0161ak situace zcela odli\u0161n\u00e1. Pro zalo\u017een\u00ed a p\u016fsoben\u00ed dru\u017estevn\u00ed z\u00e1lo\u017eny plat\u00ed p\u0159\u00edsn\u00e1 pravidla a vzhledem k sou\u010dasn\u00fdm kontroln\u00edm mechanism\u016fm se dne\u0161n\u00ed v\u011b\u0159itel\u00e9 ji\u017e o sv\u00e9 vlo\u017een\u00e9 prost\u0159edky ob\u00e1vat nemusej\u00ed,\u201c<\/em> uzav\u00edr\u00e1 Eduarda Hek\u0161ov\u00e1.<\/p>\n<p><strong>dTest<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Um\u011bn\u00ed <\/p>\n","protected":false},"author":2,"featured_media":225954,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"gallery","meta":{"footnotes":""},"categories":[87],"tags":[],"jetpack_featured_media_url":"https:\/\/zakrasnejsivimperk.cz\/wp-content\/uploads\/2021\/06\/02\/r\u00e1me\u010dek-dtest.jpg","_links":{"self":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/225949"}],"collection":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=225949"}],"version-history":[{"count":1,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/225949\/revisions"}],"predecessor-version":[{"id":225955,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/posts\/225949\/revisions\/225955"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=\/wp\/v2\/media\/225954"}],"wp:attachment":[{"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=225949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=225949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zakrasnejsivimperk.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=225949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}