{"id":1016,"date":"2022-11-25T10:32:39","date_gmt":"2022-11-25T10:32:39","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1016"},"modified":"2022-11-25T10:32:41","modified_gmt":"2022-11-25T10:32:41","slug":"investicni-nebo-rizikove-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/investicni-nebo-rizikove-zivotni-pojisteni\/","title":{"rendered":"Investi\u010dn\u00ed, nebo rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?"},"content":{"rendered":"\n<p>P\u0159em\u00fd\u0161l\u00edte o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, ale nem\u016f\u017eete se rozhodnout, jestli rad\u011bji investi\u010dn\u00ed, nebo sp\u00ed\u0161 rizikov\u00e9? I kdy\u017e je investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed roz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a m\u00e1 del\u0161\u00ed historii, rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed ho posledn\u00ed dobou za\u010d\u00edn\u00e1 pomalu doh\u00e1n\u011bt. Poj\u010fme se pod\u00edvat, jak se od sebe li\u0161\u00ed a jak\u00e9 v\u00fdhody a nev\u00fdhody ob\u011b poji\u0161t\u011bn\u00ed p\u0159in\u00e1\u0161ej\u00ed.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-investi-n-ivotn-poji-t-n\">Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-nep-ehledn-a-omezen-investice\">Nep\u0159ehledn\u00e9 a omezen\u00e9 investice<\/a><\/li><li class=\"\"><a href=\"#htoc-rizikov-slo-ka-se-st-le-zlep-uje\">Rizikov\u00e1 slo\u017eka se st\u00e1le zlep\u0161uje<\/a><\/li><li class=\"\"><a href=\"#htoc-v-hody-investi-n-ho-ivotn-ho-poji-t-n\">V\u00fdhody investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-nev-hody-investi-n-ho-ivotn-ho-poji-t-n\">Nev\u00fdhody investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-rizikov-ivotn-poji-t-n\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-v-hody-rizikov-ho-ivotn-ho-poji-t-n\">V\u00fdhody rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-nev-hody-rizikov-ho-ivotn-ho-poji-t-n\">Nev\u00fdhody rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-jak-ivotn-poji-t-n-si-vybrat\">Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed si vybrat<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-investi-n-ivotn-poji-t-n\"><strong>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-nep-ehledn-a-omezen-investice\"><strong>Nep\u0159ehledn\u00e9 a omezen\u00e9 investice<\/strong><\/h3>\n\n\n\n<p>Principem tohoto typu je vlastn\u011b <strong>kombinace poji\u0161t\u011bn\u00ed a investic<\/strong>. Jedna \u010d\u00e1st plateb jde na pojistn\u00e1 rizika, zat\u00edmco druh\u00e1 \u010d\u00e1st se v\u00e1m zhodnocuje \u2013 jedn\u00e1 se o tzv. rezervotvornou slo\u017eku. Jak moc se v\u00e1m pen\u00edze zhodnocuj\u00ed, z\u00e1le\u017e\u00ed na tom, jak\u00e9 fondy a strategie v\u00e1m dan\u00e1 poji\u0161\u0165ovna nab\u00eddne.<\/p>\n\n\n\n<p>Oproti jin\u00fdm investi\u010dn\u00edm n\u00e1stroj\u016fm \u2013 pod\u00edlov\u00fdm fond\u016fm, ETF fond\u016fm, dluhopis\u016fm nebo akci\u00edm \u2013 jsou tady <strong>investice velice omezen\u00e9<\/strong>. Kv\u016fli poplatk\u016fm a zdan\u011bn\u00ed zisku se nav\u00edc p\u0159edstava o nadstandardn\u011b vysok\u00e9m zhodnocen\u00ed rozpl\u00fdv\u00e1. Ve srovn\u00e1n\u00ed s pod\u00edlov\u00fdmi fondy ani nem\u00e1te p\u0159ehled o tom, jak s investic\u00ed poji\u0161\u0165ovna pracuje a nem\u00e1te jistotu, co se s va\u0161imi pen\u011bzi d\u011bje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-rizikov-slo-ka-se-st-le-zlep-uje\"><strong>Rizikov\u00e1 slo\u017eka se st\u00e1le zlep\u0161uje<\/strong><\/h3>\n\n\n\n<p>Pokud jde o rizikovou slo\u017eku investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ta je na tom l\u00e9pe. Poji\u0161\u0165ovny ji st\u00e1le upravuj\u00ed, aby odpov\u00eddala po\u017eadavk\u016fm klient\u016f i makl\u00e9\u0159\u016f.<\/p>\n\n\n\n<p><strong>Zav\u00e1d\u00ed nap\u0159\u00edklad nov\u00e1 rizika<\/strong>, jako jsou z\u00e1va\u017en\u00e9 n\u00e1sledky o\u010dkov\u00e1n\u00ed, trval\u00e9 n\u00e1sledky nemoci, samostatn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed cukrovky nebo o\u0161et\u0159ov\u00e1n\u00ed d\u00edt\u011bte i dosp\u011bl\u00e9ho. Krom\u011b toho p\u0159isp\u00edvaj\u00ed na zvl\u00e1\u0161tn\u00ed zdravotn\u00ed pom\u016fcky, roz\u0161i\u0159uj\u00ed diagn\u00f3zy u z\u00e1va\u017en\u00fdch nemoc\u00ed, p\u0159\u00edpadn\u011b v\u00e1m proplat\u00ed pobyt v l\u00e1zn\u00edch nebo doprovod d\u00edt\u011bte do nemocnice.<\/p>\n\n\n\n<p>Poji\u0161\u0165ovny tak\u00e9 <strong>ustoupily od n\u011bkter\u00fdch v\u00fdluk<\/strong>. Zm\u00ednit m\u016f\u017eeme nap\u0159\u00edklad teroristick\u00e9 \u00fatoky nebo psychick\u00e9 poruchy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-v-hody-investi-n-ho-ivotn-ho-poji-t-n\"><strong>V\u00fdhody investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h3>\n\n\n\n<p>Jednou z nejv\u011bt\u0161\u00edch v\u00fdhod tohoto <a href=\"https:\/\/www.fingo.cz\/blog\/petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi\/\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> jsou <strong>da\u0148ov\u00e9 \u00falevy z plateb za poji\u0161t\u011bn\u00ed <\/strong>nebo <strong>mo\u017enost p\u0159\u00edsp\u011bvku od zam\u011bstnavatele<\/strong>. Podle z\u00e1kona v\u00e1m zam\u011bstnavatel m\u016f\u017ee p\u0159isp\u00edvat a\u017e 50 000 K\u010d ro\u010dn\u011b.<\/p>\n\n\n\n<p><strong>Mus\u00edte ale splnit dv\u011b podm\u00ednky:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>Pojistnou smlouvu uzav\u0159ete minim\u00e1ln\u011b na 5 let.<\/em><\/li>\n\n\n\n<li><em>Smlouva mus\u00ed platit alespo\u0148 do va\u0161ich 60 let.<\/em><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-nev-hody-investi-n-ho-ivotn-ho-poji-t-n\"><strong>Nev\u00fdhody investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h3>\n\n\n\n<p>Po celou dobu poji\u0161t\u011bn\u00ed <strong>nem\u016f\u017eete investovan\u00e9 pen\u00edze vybrat<\/strong> \u2013 museli byste je jinak dodate\u010dn\u011b zdanit. To je opravdu velk\u00fd minus.<\/p>\n\n\n\n<p>Pokud zm\u011bn\u00edte zam\u011bstn\u00e1n\u00ed nebo v\u00e1m zam\u011bstnavatel p\u0159estane p\u0159isp\u00edvat, mus\u00edte tuto platbu uhradit sami. P\u0159\u00edpadn\u011b je pot\u0159eba dodatkem upravit pojistnou smlouvu.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-rizikov-ivotn-poji-t-n\"><strong>Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p>U tohoto poji\u0161t\u011bn\u00ed nic nespo\u0159\u00edte ani neinvestujete. V\u0161echny platby <strong>m\u00ed\u0159\u00ed na \u00fahradu vybran\u00fdch rizik<\/strong>. Jednodu\u0161e se zam\u011b\u0159uje na prim\u00e1rn\u00ed \u00fa\u010del poji\u0161t\u011bn\u00ed \u2013 ochr\u00e1nit v\u00e1s p\u0159ed nep\u0159\u00edjemn\u00fdmi a nenad\u00e1l\u00fdmi ud\u00e1lostmi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-v-hody-rizikov-ho-ivotn-ho-poji-t-n\"><strong>V\u00fdhody rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h3>\n\n\n\n<p>Oproti investi\u010dn\u00edmu \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed v\u00e1s u tohoto typu \u010dek\u00e1 mnohem <strong>jednodu\u0161\u0161\u00ed proces sjedn\u00e1n\u00ed smlouvy<\/strong>. Nen\u00ed pot\u0159eba vypl\u0148ovat investi\u010dn\u00ed profil ani vypracov\u00e1vat anal\u00fdzu. Prost\u011b jen vyberete rizika, na kter\u00e1 se chcete pojistit. I tady nav\u00edc plat\u00ed, \u017ee situace s poji\u0161t\u011bn\u00edm rizik se st\u00e1le zlep\u0161uje.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-nev-hody-rizikov-ho-ivotn-ho-poji-t-n\"><strong>Nev\u00fdhody rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h3>\n\n\n\n<p>Na toto poji\u0161t\u011bn\u00ed v\u00e1m nem\u016f\u017ee p\u0159isp\u00edvat zam\u011bstnavatel ani si nem\u016f\u017eete uplat\u0148ovat da\u0148ov\u00e9 odpo\u010dty. Z\u00e1rove\u0148 s t\u00edmto spo\u0159en\u00edm sv\u00e9 pen\u00edze <strong>nezhodnocujete pomoc\u00ed investic<\/strong>. M\u00edsto toho ale m\u016f\u017eete vyb\u00edrat z pod\u00edlov\u00fdch fond\u016f a dal\u0161\u00edch <a href=\"https:\/\/www.fingo.cz\/investice\">investi\u010dn\u00edch produkt\u016f<\/a>, kter\u00e9 v\u00e1m nab\u00eddnou daleko lep\u0161\u00ed podm\u00ednky i v\u00fdnosy.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-text-color\">Co byste m\u011bli v\u011bd\u011bt o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, ne\u017e si ho sjedn\u00e1te? <a href=\"https:\/\/www.fingo.cz\/blog\/co-je-zivotni-pojisteni\/\">Pod\u00edvejte se na to nejd\u016fle\u017eit\u011bj\u0161\u00ed<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-jak-ivotn-poji-t-n-si-vybrat\"><strong>Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed si vybrat<\/strong><\/h2>\n\n\n\n<p>Oba druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed maj\u00ed na trhu sv\u00e9 m\u00edsto a pro ka\u017ed\u00e9ho se hod\u00ed n\u011bco jin\u00e9ho. Pokud v\u00e1m bude p\u0159isp\u00edvat zam\u011bstnavatel nebo je pro v\u00e1s zaj\u00edmav\u00fd ode\u010det z dan\u00ed, s\u00e1hnete po investi\u010dn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00ed. Jestli\u017ee je pro v\u00e1s prioritou jednoduch\u00e9 sjedn\u00e1n\u00ed a ochrana p\u0159ed ne\u010dekan\u00fdmi ud\u00e1lostmi, zvol\u00edte si sp\u00ed\u0161 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p>Nezapom\u00ednejte ale na to, \u017ee nejd\u016fle\u017eit\u011bj\u0161\u00edm <strong>krit\u00e9riem v\u00fdb\u011bru z\u016fst\u00e1vaj\u00ed pojistn\u00e9 podm\u00ednky<\/strong>. Ty ur\u010duj\u00ed jak kvalitu dan\u00e9ho poji\u0161t\u011bn\u00ed, tak to, kdy a jak dojde k pln\u011bn\u00ed. To je v\u017edy hlavn\u00ed \u00fa\u010del, za kter\u00fdm si poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1te.<\/p>\n\n\n\n<p>S v\u00fdb\u011brem spr\u00e1vn\u00e9ho poji\u0161t\u011bn\u00ed v\u00e1m r\u00e1d pom\u016f\u017ee n\u00e1\u0161 finan\u010dn\u00ed poradce. Sta\u010d\u00ed si s n\u00e1mi <a href=\"https:\/\/www.fingo.cz\/kontakty\">sjednat sch\u016fzku<\/a>, my se postar\u00e1me o zbytek. Za\u010d\u00edt ale m\u016f\u017eete tak\u00e9 t\u00edm, \u017ee se <strong>pod\u00edv\u00e1te na sv\u00e9 mo\u017enosti online <\/strong>\u2013 vyzkou\u0161ejte zdarma n\u00e1\u0161 <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">srovn\u00e1va\u010d \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159em\u00fd\u0161l\u00edte o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed, ale nem\u016f\u017eete se rozhodnout, jestli rad\u011bji investi\u010dn\u00ed, nebo sp\u00ed\u0161 rizikov\u00e9? I kdy\u017e je investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed roz\u0161\u00ed\u0159en\u011bj\u0161\u00ed a m\u00e1 del\u0161\u00ed historii, rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed ho posledn\u00ed dobou za\u010d\u00edn\u00e1 pomalu doh\u00e1n\u011bt. Poj\u010fme se pod\u00edvat, jak se od sebe li\u0161\u00ed a jak\u00e9 v\u00fdhody a nev\u00fdhody ob\u011b poji\u0161t\u011bn\u00ed p\u0159in\u00e1\u0161ej\u00ed. Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Nep\u0159ehledn\u00e9 a omezen\u00e9 investice Principem tohoto typu je vlastn\u011b kombinace poji\u0161t\u011bn\u00ed a investic. Jedna \u010d\u00e1st plateb jde na pojistn\u00e1 rizika, zat\u00edmco druh\u00e1 \u010d\u00e1st se v\u00e1m zhodnocuje \u2013 jedn\u00e1 se o tzv. rezervotvornou slo\u017eku. Jak moc se v\u00e1m pen\u00edze zhodnocuj\u00ed, z\u00e1le\u017e\u00ed na tom, jak\u00e9 fondy a strategie v\u00e1m dan\u00e1 poji\u0161\u0165ovna nab\u00eddne. Oproti jin\u00fdm investi\u010dn\u00edm n\u00e1stroj\u016fm \u2013 pod\u00edlov\u00fdm fond\u016fm, ETF fond\u016fm, dluhopis\u016fm nebo akci\u00edm \u2013 jsou tady investice velice omezen\u00e9. Kv\u016fli poplatk\u016fm a zdan\u011bn\u00ed zisku se nav\u00edc p\u0159edstava o nadstandardn\u011b vysok\u00e9m zhodnocen\u00ed rozpl\u00fdv\u00e1. Ve srovn\u00e1n\u00ed s pod\u00edlov\u00fdmi fondy ani nem\u00e1te p\u0159ehled o tom, jak s investic\u00ed poji\u0161\u0165ovna pracuje a nem\u00e1te jistotu, co se s va\u0161imi pen\u011bzi d\u011bje. Rizikov\u00e1 slo\u017eka se st\u00e1le zlep\u0161uje Pokud jde o rizikovou slo\u017eku investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, ta je na tom l\u00e9pe. Poji\u0161\u0165ovny ji st\u00e1le upravuj\u00ed, aby odpov\u00eddala po\u017eadavk\u016fm klient\u016f i makl\u00e9\u0159\u016f. Zav\u00e1d\u00ed nap\u0159\u00edklad nov\u00e1 rizika, jako jsou z\u00e1va\u017en\u00e9 n\u00e1sledky o\u010dkov\u00e1n\u00ed, trval\u00e9 n\u00e1sledky nemoci, samostatn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1018,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[28,18,27],"class_list":["post-1016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-petr-motacek","tag-pojisteni","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Investi\u010dn\u00ed, nebo rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Je pro v\u00e1s lep\u0161\u00ed investi\u010dn\u00ed, nebo rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed? 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