Stále více občanů se ptá!
Kategorie:Novinky„Co je to investiční zlato“ ?
„Jak funguje spoření ve zlatě“ ?
Než na to odpovím, tak něco s veřejného průzkumu a reálných číslech.
Spolehnout se ve stáří jen na stát se nemusí vyplatit.
Finanční barometr potvrdil, že většina Čechů se na stáří připravuje nedostatečně, protože si šetří přinejlepším jen pět procent svého příjmu a to mnohdy ani to ne.
Málo si odkládáme Demografická křivka je přitom neúprosná a statistická data suše konstatují, že Čechů přispívajících na důchod bude neustále ubývat, zatímco počet seniorů pobírajících rentu bude naopak narůstat.
Češi vědí, že ve stáří nebudou mít peníze…
Češi dobře vědí, že ve stáří nebudou mít moc peněz, a proto by si měli spořit na důchod. Většina lidí si sice šetří, ale jen málo. Možná že k tomu přispívá i fakt, že lidé v produktivním věku neřeší, jak s důchodem ve stáří vyjdou, a třetina očekává penzi vyšší, než skutečně reálně dostanou.
Co bude, až budete v důchodu? Ptáme se…
Utratím, co vydělám, až budu starý, teprve pak se uskromním, zůstanou mi alespoň vzpomínky, “říká svobodný čtyřicetiletý úředník“. „Budu šetřit, a co, pak skončím v nemocnici s infarktem a ani si nic neužiju,“ dodává.
Tento názor má podle sociologů poměrně hodně lidí. Přispívá k tomu právě fakt, že většina Čechů netuší, kolik jejich starobní důchod skutečně bude činit.
Kolik by to mělo ideálně být?
10 procent? Což se nám zdá jako nedostatečné, hlavně u střední generace, inflace a očekávaná devalvace naší měny toto spoření částečně znehodnotí. Skoro třetina námi oslovených by za ideál považovala více než 15 procent.
Jak se můžeme zajistit?
Doplňkové spoření jako jsou investiční fondy, nebo spoření ve zlatě, případně penzijní spoření. Míní analytik společnosti Zlatá Rezerva Jaromír Veselý.
Otázka je, kde si můžu spořit – šetřit na penzi, když míra úroků klesla k nule a banky nejsou dostatečně zajištěny proti úpadku.
Představte si, že záchranný fond pro banky disponuje pouze z 25 miliadrdy korun a v bankách je uloženo 2.838.500.000.000,-Kč (dva biliony osumset třicet miliard pětset milionů korun). Co se stane když banky začnou krachovat? Zachrání nás EU? O kolik pěněz přijdeme?
Dále bych chtěl podotknout, že dluh české republiky je 1.860.000.000.000,-Kč (jeden bilion osumset šedesát miliard korun) a rychlost zadlužování je 2.150,-Kč za jednu sekundu. Právě k tomuto riziku pádu měny, vysoké inflace, případně očekávané devalvace koruny je třeba přemýšlet jinak. Není možné tisknout nové a nové peníze do nekonečna a navyšovat nule na monitoru, či bankovním výpisu. Tyto natisknuté peníze se musí někdy stáhnout ( vypařit ), prostě musí někdy něco krachnout.
„Kapitalismus bez bankrotů je jako by bylo náboženství bez hříchů“!
Zdroj: www.verejnydluh.cz
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