{"id":440,"date":"2022-10-03T17:48:18","date_gmt":"2022-10-03T20:48:18","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=440"},"modified":"2023-02-21T23:33:13","modified_gmt":"2023-02-22T02:33:13","slug":"poupadores-e-hora-de-selecionar-um-banco-na-internet","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/poupadores-e-hora-de-selecionar-um-banco-na-internet\/","title":{"rendered":"Sporitelia, je \u010das vybra\u0165 si online banku."},"content":{"rendered":"

Budete chcie\u0165 prehodnoti\u0165 finan\u010dn\u00fa in\u0161tit\u00faciu, ktor\u00fa vyu\u017e\u00edvate, aspo\u0148 \u010do sa t\u00fdka niektor\u00fdch zn\u00ed\u017een\u00ed \u00farokov\u00fdch sadzieb. Ak ste z\u00e1kazn\u00edkom niektorej z ve\u013ek\u00fdch retailov\u00fdch b\u00e1nk, je ve\u013emi pravdepodobn\u00e9, \u017ee prich\u00e1dzate o skuto\u010dn\u00e9 peniaze.<\/span><\/p>\n

Vysokov\u00fdnosn\u00e9 online dlhopisy so zni\u017eovan\u00edm \u00farokovej sadzby kone\u010dne za\u010d\u00ednaj\u00fa vyzera\u0165 ako skuto\u010dne vysokov\u00fdnosn\u00e9 \u2013 alebo aspo\u0148 lep\u0161ie ako v posledn\u00fdch rokoch.<\/span><\/p>\n

Po tom, \u010do si po\u010das pand\u00e9mie a prvej polovice t\u00fdchto 12 mesiacov udr\u017eali svoje deprimuj\u00faco n\u00edzke sadzby, za\u010dali in\u0161tit\u00facie ako Synchrony a spotrebite\u013esk\u00e1 banka Goldman Sachs Group Inc., Marcus, pon\u00faka\u0165 viac. Napr\u00edklad Marcus ned\u00e1vno zv\u00fd\u0161il svoju v\u00fdplatu za \u00fa\u010det s diskontnou sadzbou na 1,91 TP3T alebo 2,91 TP3T (na 3 mesiace) pre kupuj\u00facich, ktor\u00ed odporu\u010dia priate\u013ea.<\/span><\/p>\n

Celkovo v\u00fdnos z online \u00fa\u010dtov so zni\u017eovan\u00edm \u00farokovej sadzby zaznamenal najvy\u0161\u0161\u00ed mesa\u010dn\u00fd n\u00e1rast za najmenej 5 rokov medzi augustom a septembrom, uviedol Ken Tumin, zakladate\u013e DepositAccounts.Com. Ke\u010f\u017ee sa Fed tento t\u00fd\u017ede\u0148 op\u00e4\u0165 pripravuje na zv\u00fd\u0161enie sadzieb, Tumin o\u010dak\u00e1va, \u017ee mnoh\u00e9 \u00fa\u010dty s vysok\u00fdm v\u00fdnosom so zni\u017eovan\u00edm \u00farokovej sadzby, z ktor\u00fdch mnoh\u00e9 m\u00f4\u017eu vypl\u00e1ca\u0165 viac ako 2%, st\u00fapnu nad 3%.<\/span><\/p>\n

Nepredpokladajte v\u0161ak, \u017ee kapacita, ktor\u00fa bud\u00fa pozorova\u0165 najv\u00e4\u010d\u0161ie prirodzen\u00e9 banky, bude \u00faspe\u0161n\u00e1. Vzh\u013eadom na to, \u017ee \u00farokov\u00e9 sadzby za zn\u00ed\u017eenie dlhu nie s\u00fa definit\u00edvne regulovan\u00e9, existuje \u0161irok\u00e9 rozp\u00e4tie a v kone\u010dnom d\u00f4sledku v\u0161etko z\u00e1vis\u00ed od toho, ako ve\u013emi finan\u010dn\u00e1 in\u0161tit\u00facia potrebuje va\u0161e finan\u010dn\u00e9 prostriedky. V s\u00fa\u010dasnosti je priemer pre v\u0161etky banky, z ktor\u00fdch mnoh\u00e9 m\u00f4\u017eu by\u0165 kamenn\u00e9, 0,13%.\u00a0<\/span><\/p>\n

N\u00e1zvy rodinn\u00fdch jednotiek uveden\u00e9 v zozname odr\u00e1\u017eaj\u00fa \u00farovne vkladov po tom, \u010do z\u00e1kazn\u00edci dostali stimula\u010dn\u00e9 fondy a po\u010das pand\u00e9mie m\u00ed\u0148ali v\u00fdrazne menej. Hoci v poslednom \u0161tvr\u0165roku do\u0161lo k ur\u010dit\u00e9mu odlevu, vklady s\u00fa st\u00e1le v\u00fdrazne nad \u00farov\u0148ou spred pand\u00e9mie a ve\u013ek\u00e9 banky nemusia pril\u00e1ka\u0165 nov\u00fdch z\u00e1kazn\u00edkov. Jamie Dimon z JPMorgan Chase & Co. spomenul uzavretie roka \u2013 nie je prekvapuj\u00face, \u017ee n\u00e1klady na odp\u00edsanie poh\u013ead\u00e1vok v Chase s\u00fa v s\u00fa\u010dasnosti 0,01%.<\/span><\/p>\n

Na \u010do e\u0161te \u010dak\u00e1te, ak ste e\u0161te nepreviedli \u017eiadne peniaze na online z\u013eavov\u00fd \u00fa\u010det?\u00a0<\/span><\/p>\n

Viem, \u017ee nehovor\u00edme o obrovsk\u00fdch sum\u00e1ch pe\u0148az\u00ed. Postupom \u010dasu sa v\u0161ak nahromadia. Povedzme, \u017ee m\u00e1te na online \u00fa\u010dte s vysokov\u00fdnosn\u00fdmi diskontn\u00fdmi sadzbami 25 000 USD; pri cene 3% zarob\u00edte za rok viac ako 760 USD. Ak si tento \u00fa\u010det ponech\u00e1te desa\u0165 rokov bez vkladania \u010fal\u0161\u00edch prostriedkov, jeho suma sa zv\u00fd\u0161i z viac ako 8 700 USD na 33 746 USD.<\/span><\/p>\n

Spotrebitelia, \u017eia\u013e, b\u00fdvaj\u00fa ve\u013emi prip\u00fatan\u00ed k svojim s\u00fa\u010dasn\u00fdm bank\u00e1m. Janu\u00e1rov\u00fd prieskum spolo\u010dnosti Bankrate nazna\u010duje, \u017ee priemern\u00fd americk\u00fd spotrebite\u013e m\u00e1 \u00fa\u010det so zn\u00ed\u017eenou \u00farokovou sadzbou takmer 17 rokov. Dokonca aj medzi mlad\u0161\u00edmi Ameri\u010danmi alebo t\u00fdmi vo veku 20 a 30 rokov maj\u00fa \u00fa\u010dty so zn\u00ed\u017eenou \u00farokovou sadzbou zvy\u010dajne viac ako sedem rokov.<\/span><\/p>\n

Okrem vy\u0161\u0161ej v\u00fdplaty bude v\u00fdhodn\u00e9 aj uchov\u00e1va\u0165 finan\u010dn\u00e9 prostriedky na webovom z\u013eavovom \u00fa\u010dte, \u010d\u00edm sa stane nez\u00e1visl\u00fdm od v\u00e1\u0161ho be\u017en\u00e9ho \u00fa\u010dtu, preto\u017ee to vytv\u00e1ra bari\u00e9ru. To v\u00e1m umo\u017en\u00ed pou\u017ei\u0165 webov\u00fd z\u013eavov\u00fd \u00fa\u010det ako bod na n\u00fadzov\u00e9 sporenie, z\u00e1lohu alebo dovolenku, aby ste zarobili viac \u2013 a boli ove\u013ea menej v poku\u0161en\u00ed ho pou\u017ei\u0165.<\/span><\/p>\n

Len si nezabudnite pos\u00fadi\u0165 podmienky a uisti\u0165 sa, \u017ee ste si v\u0161imli, ak\u00e9 s\u00fa po\u017eadovan\u00e9 minim\u00e1lne zostatky, aby ste sa vyhli ochrannej cene, alebo \u010di existuje limit, ako dlho m\u00f4\u017eete zar\u00e1ba\u0165 po\u010das 12 mesiacov. Online banky, ktor\u00e9 poskytuj\u00fa vhodn\u00e9 sadzby prepitn\u00e9ho, to zvy\u010dajne urobia v\u00fdmenou za to, \u017ee zaplat\u00edte ur\u010dit\u00fa sumu pe\u0148az\u00ed alebo si udr\u017e\u00edte ur\u010dit\u00fd zostatok. Vezmime si UFB Direct \u2013 zarob\u00edte a\u017e 2,61 TP3T, ale ak je v\u00e1\u0161 zostatok ni\u017e\u0161\u00ed ako 5 000 USD, budete mesa\u010dne platen\u00ed 1 TP4T 10. Nie nevyhnutne banky. Uistite sa, \u017ee svoje peniaze d\u00e1te in\u0161tit\u00facii, ktor\u00fa podporuje Federal Deposit Assurance Corp., ktor\u00e1 v pr\u00edpade jej bankrotu bude kryt\u00e1 a\u017e do v\u00fd\u0161ky 250 000 USD.<\/span><\/p>\n

V kone\u010dnom d\u00f4sledku, ak h\u013ead\u00e1te nie\u010do s vy\u0161\u0161\u00edm v\u00fdnosom od internetovej banky, zv\u00fd\u0161ili sa aj \u00farokov\u00e9 sadzby pre vkladov\u00e9 certifik\u00e1ty, kde dr\u017e\u00edte peniaze na pevne stanoven\u00fa dobu. Probl\u00e9m je v\u0161ak v tom, \u017ee sadzba je fixn\u00e1 \u2013 v ur\u010ditom okamihu budete na vkladovom certifik\u00e1te uzamknut\u00ed \u2013 a ak bud\u00fa \u00farokov\u00e9 sadzby online diskontn\u00fdch \u00fa\u010dtov na\u010falej r\u00e1s\u0165, m\u00f4\u017eete o \u0148u pr\u00eds\u0165.<\/span><\/p>\n

Pokia\u013e ide o diskontn\u00e9 \u00fa\u010dty, nemus\u00ed to by\u0165 bu\u010f v\u0161etko, alebo ni\u010d. Minim\u00e1lne si ponechajte svoj historick\u00fd finan\u010dn\u00fd \u00fa\u010det, ale pridajte si online \u00fa\u010det s diskontnou sadzbou. P\u00e1r min\u00fat, ktor\u00e9 v\u00e1m zaberie vyplnenie nieko\u013ek\u00fdch osobn\u00fdch \u00fadajov, bude ma\u0165 m\u00fadru hodnotu 8 700 libier. \u00a0<\/span><\/p>\n

Jeden z najv\u00e4\u010d\u0161\u00edch autorov n\u00e1zorov agent\u00fary Bloomberg:<\/span><\/p>\n

\u2022 Plast v\u00e1s m\u00f4\u017ee ob\u00e9znych: Mark Buchanan<\/span><\/p>\n

\u2022 Infl\u00e1cia? Najv\u00e4\u010d\u0161\u00edm probl\u00e9mom je pracovn\u00e1 sila: Tyler Cowen<\/span><\/p>\n

\u2022 Odolajte sir\u00e9novej piesni \u0161tyridsa\u0165ro\u010dn\u00fdch hypotek\u00e1rnych \u00faverov: Alexis Leondis<\/span><\/p>\n

Tento st\u013ap\u010dek nie v\u017edy odr\u00e1\u017ea n\u00e1zor redak\u010dnej rady alebo spolo\u010dnosti Bloomberg LP a jej vlastn\u00edkov.<\/span><\/p>\n

Alexis Leondis je publicistkou pre Bloomberg Opinion, ktor\u00e1 sa venuje osobn\u00fdm financi\u00e1m. V minulosti dohliadala na da\u0148ov\u00e9 z\u00e1le\u017eitosti pre Bloomberg Information.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

voc\u00ea vai querer repensar a institui\u00e7\u00e3o financeira que voc\u00ea utiliza, pelo menos para algumas de suas redu\u00e7\u00f5es de taxa.\u00a0As chances s\u00e3o altas, se voc\u00ea \u00e9 um consumidor em alguns dos principais bancos de varejo, est\u00e1 deixando fundos reais na mesa. As d\u00edvidas de redu\u00e7\u00e3o de taxas on-line de alto rendimento est\u00e3o finalmente come\u00e7ando a parecer […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-440","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/440","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=440"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/440\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=440"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=440"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=440"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}