{"id":150025,"date":"2026-07-17T06:19:17","date_gmt":"2026-07-17T06:19:17","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/150025\/"},"modified":"2026-07-17T06:19:17","modified_gmt":"2026-07-17T06:19:17","slug":"stavebni-sporeni-v-roce-2026-ztraci-smysl-odbornici-radi-kam-penize-prevest-abyste-dosahli-vyssiho-zhodnoceni","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/150025\/","title":{"rendered":"Stavebn\u00ed spo\u0159en\u00ed v roce 2026 ztr\u00e1c\u00ed smysl. Odborn\u00edci rad\u00ed, kam pen\u00edze p\u0159ev\u00e9st, abyste dos\u00e1hli vy\u0161\u0161\u00edho zhodnocen\u00ed"},"content":{"rendered":"

Vy\u0161\u0161\u00ed zhodnocen\u00ed m\u016f\u017ee p\u0159in\u00e9st hned n\u011bkolik r\u016fzn\u00fdch zp\u016fsob\u016f
\nalokace kapit\u00e1lu, z\u00a0nich\u017e n\u011bkter\u00e9 jsou dostupn\u00e9 v\u0161em investor\u016fm bez
\nv\u00fdjimky. Sta\u010d\u00ed si pravideln\u011b odkl\u00e1dat p\u00e1r stovek \u010di tis\u00edc\u016f korun
\nm\u011bs\u00ed\u010dn\u011b a v\u00a0dlouhodob\u00e9m horizontu m\u016f\u017ee b\u00fdt rozd\u00edl mezi stavebn\u00edm
\nspo\u0159en\u00edm a jin\u00fdmi formami investov\u00e1n\u00ed velmi citeln\u00fd.<\/p>\n

Na druhou stranu je t\u0159eba po\u010d\u00edtat s\u00a0t\u00edm, \u017ee ve sv\u011bt\u011b
\n\u201epokro\u010dilej\u0161\u00edho\u201c investov\u00e1n\u00ed m\u016f\u017eete narazit i\u00a0na rizika, kv\u016fli
\nnim\u017e nemus\u00ed b\u00fdt vstup na finan\u010dn\u00ed trh vhodn\u00fd pro ka\u017ed\u00e9ho. V\u00a0n\u011bkter\u00fdch
\nsituac\u00edch m\u016f\u017ee m\u00edt tedy i\u00a0stavebn\u00ed spo\u0159en\u00ed st\u00e1le smysl, i\u00a0kdy\u017e
\nt\u011bchto p\u0159\u00edpad\u016f ub\u00fdv\u00e1.\u00a0<\/p>\n

Stavebn\u00ed spo\u0159en\u00ed u\u017e nen\u00ed tak v\u00fdhodn\u00e9 jako d\u0159\u00edv\u00a0<\/p>\n

Celkov\u00e9 zhodnocen\u00ed stavebn\u00edho spo\u0159en\u00ed se v\u00a0posledn\u00edch letech v\u00fdrazn\u011b
\nsn\u00ed\u017eilo, a to z\u00a0n\u011bkolika d\u016fvod\u016f.\u00a0<\/p>\n

Prvn\u00ed z\u00a0nich p\u0159edstavuje sn\u00ed\u017een\u00ed st\u00e1tn\u00ed podpory,
\nkter\u00e9 je v\u00a0tomto sm\u011bru z\u00e1sadn\u00ed. Zat\u00edmco do roku 2023\u00a0byla v\u00fd\u0161e t\u00e9to
\npodpory zastropovan\u00e1 na 2\u00a0000\u00a0korun\u00e1ch a odpov\u00eddala 10\u00a0% naspo\u0159en\u00e9
\n\u010d\u00e1stky, v\u00a0tuto chv\u00edli je strop nastaven\u00fd pouze na
\n1\u00a0000\u00a0korun. Koeficient byl z\u00e1rove\u0148 sn\u00ed\u017een jen na
\n5\u00a0%.\u00a0<\/p>\n

Krom\u011b toho, \u017ee poklesla samotn\u00e1 v\u00fd\u0161e st\u00e1tn\u00ed podpory, nav\u00edc postupn\u011b
\nkles\u00e1 i\u00a0jej\u00ed re\u00e1ln\u00e1 hodnota. D\u016fvodem je inflace, kv\u016fli
\nkter\u00e9 si za \u010d\u00e1stku 1\u00a0000\u00a0korun koup\u00edte st\u00e1le m\u00e9n\u011b zbo\u017e\u00ed a slu\u017eeb.
\nRozd\u00edl mezi v\u00fd\u0161\u00ed podpory p\u0159ed rokem 2023\u00a0a po n\u011bm je t\u00edm p\u00e1dem re\u00e1ln\u011b
\nje\u0161t\u011b minim\u00e1ln\u011b o\u00a010\u00a0% vy\u0161\u0161\u00ed, ne\u017e by se mohlo na prvn\u00ed pohled zd\u00e1t.
\nV\u00a0p\u0159\u00ed\u0161t\u00edch letech bude nav\u00edc d\u00e1le nar\u016fstat.\u00a0<\/p>\n

Dal\u0161\u00edm probl\u00e9mem jsou n\u00edzk\u00e9 \u00farokov\u00e9 sazby. Ty mohou b\u00fdt
\nu\u00a0jednotliv\u00fdch instituc\u00ed rozd\u00edln\u00e9, aktu\u00e1ln\u011b se v\u0161ak b\u011b\u017en\u011b pohybuj\u00ed
\njen okolo 1,50\u00a0% a\u017e 3,50\u00a0%.\u00a0<\/p>\n

V\u00a0neposledn\u00ed \u0159ad\u011b je pak t\u0159eba p\u0159ihl\u00e9dnout
\nk\u00a0poplatk\u016fm, kter\u00e9 mohou v\u00a0obvykl\u00fdch p\u0159\u00edpadech dosahovat
\na\u017e 1\u00a0% z\u00a0celkov\u00e9 naspo\u0159en\u00e9 \u010d\u00e1stky.\u00a0<\/p>\n


\n
\n <\/a>St\u00e1t sn\u00ed\u017eil finan\u010dn\u00ed podporu.
\n , …
\n \u00a0<\/p>\n

Kalkulace: Kolik je dnes mo\u017en\u00e9 d\u00edky stavebn\u00edmu spo\u0159en\u00ed
\nna\u0161et\u0159it?\u00a0<\/p>\n

Do zna\u010dn\u00e9 m\u00edry z\u00e1vis\u00ed na tom, u\u00a0kter\u00e9 stavebn\u00ed spo\u0159itelny m\u00e1te
\nstavebn\u00ed spo\u0159en\u00ed sjedn\u00e1no. Obecn\u011b v\u0161ak plat\u00ed, \u017ee po zapo\u010dten\u00ed st\u00e1tn\u00ed
\npodpory, \u00farokov\u00fdch sazeb a zohledn\u011bn\u00ed poplatk\u016f se zhodnocen\u00ed pohybuje
\nzpravidla okolo 4\u00a0% ro\u010dn\u011b.\u00a0<\/p>\n

Pokud byste t\u00edmto tempem spo\u0159ili 1\u00a0700\u00a0korun po dobu \u0161esti
\nlet, celkov\u011b na\u0161et\u0159\u00edte lehce p\u0159es
\n138\u00a0000\u00a0korun.\u00a0<\/p>\n

Jak\u00e9 mo\u017enosti dnes nab\u00edzej\u00ed vy\u0161\u0161\u00ed zhodnocen\u00ed?\u00a0<\/p>\n

Pr\u00e1v\u011b kv\u016fli n\u00edzk\u00e9mu celkov\u00e9mu zhodnocen\u00ed lid\u00e9 st\u00e1le \u010dast\u011bji
\nup\u0159ednost\u0148uj\u00ed jin\u00e9 formy investic. Velmi popul\u00e1rn\u00ed jsou zejm\u00e9na
\nakciov\u00e9 fondy (tzv. ETF), kter\u00e9 historicky p\u0159in\u00e1\u0161\u00ed
\nzhodnocen\u00ed okolo 6\u00a0a\u017e 9\u00a0%. Finan\u010dn\u00ed poradci pak \u010dasto
\nkombinuj\u00ed akcie se st\u00e1tn\u00edmi
\ndluhopisy<\/a>, kter\u00e9 b\u00fdvaj\u00ed m\u00e9n\u011b volatiln\u00ed, ale na druhou stranu obvykle
\np\u0159in\u00e1\u0161\u00ed ni\u017e\u0161\u00ed zisky.\u00a0<\/p>\n

Jak velk\u00fd m\u016f\u017ee b\u00fdt rozd\u00edl mezi investicemi do akciov\u00fdch fond\u016f a
\nstavebn\u00edm spo\u0159en\u00edm v\u00a0dlouhodob\u00e9m horizontu, vysv\u011btlila spoluzakladatelka
\ninvesti\u010dn\u00ed platformy Direct Fondee Eva Hlavsov\u00e1.\u00a0<\/p>\n

\u201ePokud si odkl\u00e1d\u00e1m tis\u00edcovku m\u011bs\u00ed\u010dn\u011b, tak po 12\u00a0letech m\u00e1m
\nnast\u0159\u00e1d\u00e1no 144\u00a0000\u00a0korun. V\u00a0p\u0159\u00edpad\u011b stavebn\u00edho spo\u0159en\u00ed budu m\u00edt
\nnav\u00edc 12\u00a0000\u00a0korun na st\u00e1tn\u00edch p\u0159\u00edsp\u011bvc\u00edch a p\u00e1r tis\u00edc na \u00faroc\u00edch
\nminus poplatky, tedy zhruba 158\u00a0000\u00a0korun. Oproti tomu p\u0159i investov\u00e1n\u00ed do
\nakciov\u00fdch ETF fond\u016f bych za stejn\u00e9 obdob\u00ed m\u011bla i\u00a0po zapo\u010dten\u00ed poplatk\u016f
\np\u0159es 240\u00a0tis\u00edc korun.\u201c\u00a0<\/p>\n


\n
\n <\/a>Akciov\u00e9 fondy b\u00fdvaj\u00ed velmi volatiln\u00ed.
\n , …<\/p>\n

Kdy m\u016f\u017ee m\u00edt stavebn\u00ed spo\u0159en\u00ed st\u00e1le smysl a pro\u010d?\u00a0<\/p>\n

\u00a0\u201eStavebn\u00ed spo\u0159en\u00ed je st\u00e1le unik\u00e1tn\u00ed, proto\u017ee nab\u00edz\u00ed
\ngarantovanou \u00farokovou sazbu na \u0161est let, co\u017e \u017e\u00e1dn\u00fd jin\u00fd produkt na trhu
\nnem\u00e1,\u201c informoval mluv\u010d\u00ed Asociace \u010desk\u00fdch stavebn\u00edch spo\u0159itelen
\nRadek \u0160al\u0161a.\u00a0<\/p>\n

Pr\u00e1v\u011b v\u00a0tomto sm\u011bru je nezbytn\u00e9 uv\u00e9st, \u017ee nap\u0159\u00edklad v\u00fdnosy
\nakciov\u00fdch fond\u016f se mohou ka\u017ed\u00fdm rokem v\u00fdrazn\u011b li\u0161it. V\u00a0historii
\ndo\u0161lo k\u00a0propad\u016fm i\u00a0o\u00a0v\u00edce ne\u017e 30\u00a0%. A\u010dkoliv je tedy
\njejich dlouhodob\u00fd potenci\u00e1l vysok\u00fd, na kr\u00e1tkodob\u00e9 investov\u00e1n\u00ed neb\u00fdvaj\u00ed
\nvhodn\u00e9. Odborn\u00edci je tedy \u010dasto doporu\u010duj\u00ed sp\u00ed\u0161e mlad\u0161\u00edm lidem
\ns\u00a0dlouh\u00fdm investi\u010dn\u00edm horizontem (nap\u0159. v\u00a0r\u00e1mci spo\u0159en\u00ed na
\nd\u016fchod)<\/a>.\u00a0<\/p>\n

Dal\u0161\u00ed potenci\u00e1ln\u00ed v\u00fdhodou je skute\u010dnost, \u017ee d\u00edky tomuto spo\u0159en\u00ed
\nm\u016f\u017eete z\u00edskat v\u00fdhodn\u011bj\u0161\u00ed \u00fav\u011bry nap\u0159\u00edklad na
\nrekonstrukce nemovitosti nebo zlep\u0161en\u00ed energetick\u00e9 efektivity dom\u00e1cnost\u00ed.
\nPokud tedy pl\u00e1nujete v\u00a0n\u00e1sleduj\u00edc\u00edch letech rekonstruovat byt \u010di rodinn\u00fd
\nd\u016fm, sjednat si p\u0159edt\u00edm stavebn\u00ed spo\u0159en\u00ed nemus\u00ed b\u00fdt \u0161patn\u00fdm
\nn\u00e1padem.\u00a0<\/p>\n

Upozorn\u011bn\u00ed: S\u00a0investov\u00e1n\u00edm se poj\u00ed riziko ztr\u00e1ty
\nkapit\u00e1lu. \u010cl\u00e1nek nen\u00ed investi\u010dn\u00edm doporu\u010den\u00edm.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Vy\u0161\u0161\u00ed zhodnocen\u00ed m\u016f\u017ee p\u0159in\u00e9st hned n\u011bkolik r\u016fzn\u00fdch zp\u016fsob\u016f alokace kapit\u00e1lu, z\u00a0nich\u017e n\u011bkter\u00e9 jsou dostupn\u00e9 v\u0161em investor\u016fm bez v\u00fdjimky.…\n","protected":false},"author":2,"featured_media":150026,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[12],"tags":[67,68,883,23651,2643],"class_list":["post-150025","post","type-post","status-publish","format-standard","has-post-thumbnail","category-byznys","tag-business","tag-byznys","tag-finance","tag-stavebni-sporeni","tag-uspory"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116933870778667526","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/150025","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=150025"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/150025\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/150026"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=150025"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=150025"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=150025"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}