{"id":351,"date":"2022-01-04T14:20:10","date_gmt":"2022-01-04T14:20:10","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=351"},"modified":"2023-06-23T15:15:58","modified_gmt":"2023-06-23T14:15:58","slug":"zivotni-pojisteni-se-sporenim","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-se-sporenim\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed se \u201espo\u0159en\u00edm&#8220;: Investi\u010dn\u00ed vs. kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Chcete se zorientovat v druz\u00edch \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a l\u00e1k\u00e1 v\u00e1s mo\u017enost <strong>zhodnotit v r\u00e1mci poji\u0161t\u011bn\u00ed sv\u00e9 pen\u00edze<\/strong>? Na trhu aktu\u00e1ln\u011b existuj\u00ed dv\u011b \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s investi\u010dn\u00ed slo\u017ekou: investi\u010dn\u00ed a kapit\u00e1lov\u00e9. Poj\u010fme se kouknout, jak\u00fd je mezi nimi rozd\u00edl.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co v \u010dl\u00e1nku najdete<\/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=\"#kapitalove-vs-investicni-zivotni-pojisteni\">Kapit\u00e1lov\u00e9 vs. investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#uskali-investicniho-zivotniho-pojisteni\">\u00daskal\u00ed investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#jak-na-nejvyhodnejsi-zivotni-pojisteni-se-sporenim\">Jak na nejv\u00fdhodn\u011bj\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se spo\u0159en\u00edm nebo investicemi?<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kapitalove-vs-investicni-zivotni-pojisteni\"><strong>Kapit\u00e1lov\u00e9 vs. investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kapit\u00e1lov\u00e9 a investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed existuj\u00ed vedle tzv. <strong>rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong>, jeho\u017e jedin\u00fdm c\u00edlem je chr\u00e1nit v\u00e1s p\u0159ed nep\u0159\u00edjemn\u00fdmi \u017eivotn\u00edmi ud\u00e1lostmi. Oproti n\u011bmu maj\u00ed investi\u010dn\u00ed i kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed c\u00edle dva.&nbsp;V prvn\u00ed \u0159ad\u011b tak\u00e9 jde o&nbsp;<a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017eivotn\u00ed <\/a><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">poji\u0161t\u011bn\u00ed<\/a>, to znamen\u00e1, \u017ee oba produkty v\u00e1m poskytuj\u00ed pojistnou ochranu, pokud by se v\u00e1m n\u011bco stalo.&nbsp;Druh\u00fdm c\u00edlem je pak investov\u00e1n\u00ed a zhodnocov\u00e1n\u00ed va\u0161ich \u00faspor.&nbsp;A tady p\u0159ich\u00e1z\u00ed odli\u0161nost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i&nbsp;<strong>investi\u010dn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00ed&nbsp;<\/strong>se \u010d\u00e1st pojistn\u00e9ho, kter\u00e9 do produktu vkl\u00e1d\u00e1te, pou\u017eije na investice.&nbsp;Vy sami si zvol\u00edte<strong>&nbsp;investi\u010dn\u00ed strategii<\/strong>, \u010d\u00edm\u017e m\u016f\u017eete ovlivnit i v\u00fd\u0161i kone\u010dn\u00fdch v\u00fdnos\u016f.&nbsp;P\u0159i odv\u00e1\u017en\u011bj\u0161\u00ed investi\u010dn\u00ed strategii je tento produkt rizikov\u011bj\u0161\u00ed, ale na druh\u00e9 stran\u011b m\u016f\u017ee dlouhodob\u011b nab\u00eddnout zaj\u00edmav\u00e9 zhodnocen\u00ed.&nbsp;Investi\u010dn\u00ed strategie m\u016f\u017eete tak\u00e9&nbsp;<strong>pr\u016fb\u011b\u017en\u011b m\u011bnit.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nev\u00fdhodou je, \u017ee tu nem\u00e1te garantovanou pojistnou \u010d\u00e1stku p\u0159i konci poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> se sjedn\u00e1valo v&nbsp;d\u0159\u00edv\u011bj\u0161\u00edch dob\u00e1ch. I zde zhodnocujete pen\u00edze. Jde tu v\u0161ak o konzervativn\u011bj\u0161\u00ed spo\u0159en\u00ed.&nbsp;Poji\u0161\u0165ovna v\u00e1m <strong>garantuje ur\u010dit\u00e9 zhodnocen\u00ed<\/strong> va\u0161ich \u00faspor.&nbsp;Je dop\u0159edu nastavena \u010d\u00e1stka, kter\u00e1 v\u00e1m bude vyplacena ke dni ukon\u010den\u00ed poji\u0161t\u011bn\u00ed. Jeliko\u017e je to garantovan\u00e9 zhodnocen\u00ed, poji\u0161\u0165ovny va\u0161e finance investuj\u00ed do m\u00e9n\u011b rizikov\u011bj\u0161\u00edch n\u00e1stroj\u016f, a t\u00edm s ni\u017e\u0161\u00edm zhodnocen\u00edm.&nbsp;Vy nav\u00edc&nbsp;<strong>nem\u016f\u017eete nijak ovlivnit<\/strong>, do \u010deho poji\u0161\u0165ovna investuje.&nbsp;Je to pln\u011b v jej\u00edch rukou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kapit\u00e1lov\u00e9 a investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se li\u0161\u00ed zejm\u00e9na v mo\u017enostech investov\u00e1n\u00ed a zhodnocov\u00e1n\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"uskali-investicniho-zivotniho-pojisteni\"><strong>\u00daskal\u00ed investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na stran\u011b investi\u010dn\u00edho \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, p\u0159i riskantn\u011bj\u0161\u00ed investi\u010dn\u00ed strategii, m\u016f\u017eete dos\u00e1hnout na zaj\u00edmav\u011bj\u0161\u00ed v\u00fdnosy, ale i tady se ukazuje, \u017ee se nemus\u00ed jednat o \u017e\u00e1dnou v\u00fdhru. V praxi toti\u017e plat\u00ed, \u017ee r\u016fzn\u00e9 <strong>poplatky jsou nastaveny v\u00fd\u0161e ne\u017e v p\u0159\u00edpad\u011b b\u011b\u017en\u00fdch investic<\/strong>. A proto je obvykle rozumn\u011bj\u0161\u00ed <strong>rozd\u011blit pojistn\u00e9 \u010d\u00e1stky na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a na samostatn\u00e9 investice<\/strong>. Vyu\u017e\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pouze jako kryt\u00ed \u017eivotn\u00edch rizik a klasick\u00e9 investice jako n\u00e1stroj na zhodnocen\u00ed financ\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>TIP:<\/strong> Pokud se p\u0159esto rozhodnete setrvat u investi\u010dn\u00edho nebo kapit\u00e1lov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, doporu\u010dujeme zkontrolovat, \u017ee v\u00e1m smlouva umo\u017e\u0148uje <strong>mimo\u0159\u00e1dn\u00fd v\u00fdb\u011br pen\u011bz vzhledem k&nbsp;uplat\u0148ov\u00e1n\u00ed da\u0148ov\u00fdch odpo\u010dt\u016f<\/strong>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-na-nejvyhodnejsi-zivotni-pojisteni-se-sporenim\"><strong>Jak na nejv\u00fdhodn\u011bj\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se spo\u0159en\u00edm nebo investicemi?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V ka\u017ed\u00e9m p\u0159\u00edpad\u011b v\u00e1m doporu\u010dujeme <strong>obr\u00e1tit se na <\/strong><a href=\"https:\/\/www.fingo.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>zku\u0161en\u00e9ho poradce<\/strong><\/a> v oblasti <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> i <a href=\"https:\/\/www.fingo.cz\/investice\" target=\"_blank\" rel=\"noreferrer noopener\">investic<\/a>. Projde s v\u00e1mi <strong>va\u0161i konkr\u00e9tn\u00ed situaci<\/strong> a doporu\u010d\u00ed, jestli se vydat cestou klasick\u00e9ho rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed dopln\u011bn\u00e9ho o rozumn\u00e9 investi\u010dn\u00ed portfolio, nebo jestli s\u00e1hnout po investi\u010dn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00ed. Zejm\u00e9na v\u00e1m ale dok\u00e1\u017ee \u017eivotn\u00ed pojistku i portfolio <strong>spr\u00e1vn\u011b nastavit<\/strong> tak, abyste byli kryti p\u0159ed v\u0161emi pot\u0159ebn\u00fdmi riziky, u\u0161et\u0159ili za kryt\u00ed nepot\u0159ebn\u00fdch rizik a aby va\u0161e pen\u00edze spr\u00e1vn\u011b vyd\u011bl\u00e1valy.<\/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","protected":false},"excerpt":{"rendered":"<p>Chcete se zorientovat v druz\u00edch \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a l\u00e1k\u00e1 v\u00e1s mo\u017enost zhodnotit v r\u00e1mci poji\u0161t\u011bn\u00ed sv\u00e9 pen\u00edze? Na trhu aktu\u00e1ln\u011b existuj\u00ed dv\u011b \u017eivotn\u00ed poji\u0161t\u011bn\u00ed s investi\u010dn\u00ed slo\u017ekou: investi\u010dn\u00ed a kapit\u00e1lov\u00e9. Poj\u010fme se kouknout, jak\u00fd je mezi nimi rozd\u00edl. Kapit\u00e1lov\u00e9 vs. investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Kapit\u00e1lov\u00e9 a investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed existuj\u00ed vedle tzv. rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, jeho\u017e jedin\u00fdm c\u00edlem je chr\u00e1nit v\u00e1s p\u0159ed nep\u0159\u00edjemn\u00fdmi \u017eivotn\u00edmi ud\u00e1lostmi. Oproti n\u011bmu maj\u00ed investi\u010dn\u00ed i kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed c\u00edle dva.&nbsp;V prvn\u00ed \u0159ad\u011b tak\u00e9 jde o&nbsp;\u017eivotn\u00ed poji\u0161t\u011bn\u00ed, to znamen\u00e1, \u017ee oba produkty v\u00e1m poskytuj\u00ed pojistnou ochranu, pokud by se v\u00e1m n\u011bco stalo.&nbsp;Druh\u00fdm c\u00edlem je pak investov\u00e1n\u00ed a zhodnocov\u00e1n\u00ed va\u0161ich \u00faspor.&nbsp;A tady p\u0159ich\u00e1z\u00ed odli\u0161nost. P\u0159i&nbsp;investi\u010dn\u00edm \u017eivotn\u00edm poji\u0161t\u011bn\u00ed&nbsp;se \u010d\u00e1st pojistn\u00e9ho, kter\u00e9 do produktu vkl\u00e1d\u00e1te, pou\u017eije na investice.&nbsp;Vy sami si zvol\u00edte&nbsp;investi\u010dn\u00ed strategii, \u010d\u00edm\u017e m\u016f\u017eete ovlivnit i v\u00fd\u0161i kone\u010dn\u00fdch v\u00fdnos\u016f.&nbsp;P\u0159i odv\u00e1\u017en\u011bj\u0161\u00ed investi\u010dn\u00ed strategii je tento produkt rizikov\u011bj\u0161\u00ed, ale na druh\u00e9 stran\u011b m\u016f\u017ee dlouhodob\u011b nab\u00eddnout zaj\u00edmav\u00e9 zhodnocen\u00ed.&nbsp;Investi\u010dn\u00ed strategie m\u016f\u017eete tak\u00e9&nbsp;pr\u016fb\u011b\u017en\u011b m\u011bnit. Nev\u00fdhodou je, \u017ee tu nem\u00e1te garantovanou pojistnou \u010d\u00e1stku p\u0159i konci poji\u0161t\u011bn\u00ed. Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se sjedn\u00e1valo v&nbsp;d\u0159\u00edv\u011bj\u0161\u00edch dob\u00e1ch. I zde zhodnocujete pen\u00edze. Jde tu v\u0161ak o konzervativn\u011bj\u0161\u00ed spo\u0159en\u00ed.&nbsp;Poji\u0161\u0165ovna v\u00e1m garantuje ur\u010dit\u00e9 zhodnocen\u00ed va\u0161ich \u00faspor.&nbsp;Je dop\u0159edu nastavena \u010d\u00e1stka, kter\u00e1 v\u00e1m bude vyplacena ke dni ukon\u010den\u00ed poji\u0161t\u011bn\u00ed. Jeliko\u017e je to garantovan\u00e9 zhodnocen\u00ed, poji\u0161\u0165ovny va\u0161e [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u017divotn\u00ed poji\u0161t\u011bn\u00ed se \u201espo\u0159en\u00edm&quot;: Investi\u010dn\u00ed vs. kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed nab\u00edz\u00ed tak\u00e9 mo\u017enost, jak zhodnotit va\u0161e pen\u00edze. Jak\u00e9 jsou druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s investi\u010dn\u00ed slo\u017ekou? A vyplat\u00ed se to?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-se-sporenim\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed se \u201espo\u0159en\u00edm&quot;: Investi\u010dn\u00ed vs. kapit\u00e1lov\u00e9 poji\u0161t\u011bn\u00ed\" \/>\n<meta property=\"og:description\" content=\"\u017divotn\u00ed poji\u0161t\u011bn\u00ed nab\u00edz\u00ed tak\u00e9 mo\u017enost, jak zhodnotit va\u0161e pen\u00edze. Jak\u00e9 jsou druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s investi\u010dn\u00ed slo\u017ekou? 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