[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.compresspr.cz\/detska-konta\/#Article","mainEntityOfPage":"https:\/\/www.compresspr.cz\/detska-konta\/","headline":"D\u011btsk\u00e1 konta","name":"D\u011btsk\u00e1 konta","description":"Zam\u00fd\u0161l\u00edte-li zalo\u017eit Va\u0161emu potomkovi vlastn\u00ed bankov\u00ed \u00fa\u010det, je prvn\u00ed a nejd\u016fle\u017eit\u011bj\u0161\u00ed ot\u00e1zka „k jak\u00fdm \u00fa\u010del\u016fm m\u00e1 toto konto slou\u017eit?“. M\u00e1 se jednat o formu spo\u0159en\u00ed nebo prost\u0159edek, jak nau\u010dit Va\u0161e d\u00edt\u011b hospoda\u0159it s vlastn\u00edmi pen\u011bzi? Ke spo\u0159en\u00ed se d\u011btsk\u00e1 konta nevypl\u00e1c\u00ed Pokud m\u00e1 \u00fa\u010det slou\u017eit jako prost\u0159edek k naspo\u0159en\u00ed financ\u00ed do budoucnosti, je to sp\u00ed\u0161e […]","datePublished":"2023-04-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.compresspr.cz\/author\/#Person","name":"compresspr.cz\n","url":"https:\/\/www.compresspr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"compresspr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.compresspr.cz\/detska-konta\/","about":["Finance"],"wordCount":615,"articleBody":"Zam\u00fd\u0161l\u00edte-li zalo\u017eit Va\u0161emu potomkovi vlastn\u00ed bankov\u00ed \u00fa\u010det, je prvn\u00ed a nejd\u016fle\u017eit\u011bj\u0161\u00ed ot\u00e1zka „k jak\u00fdm \u00fa\u010del\u016fm m\u00e1 toto konto slou\u017eit?“. M\u00e1 se jednat o formu spo\u0159en\u00ed nebo prost\u0159edek, jak nau\u010dit Va\u0161e d\u00edt\u011b hospoda\u0159it s vlastn\u00edmi pen\u011bzi?\tKe spo\u0159en\u00ed se d\u011btsk\u00e1 konta nevypl\u00e1c\u00edPokud m\u00e1 \u00fa\u010det slou\u017eit jako prost\u0159edek k naspo\u0159en\u00ed financ\u00ed do budoucnosti, je to sp\u00ed\u0161e krok \u0161patn\u00fdm sm\u011brem. D\u011btsk\u00e9 konto m\u00e1 spoustu omezen\u00ed, jedn\u00edm z nich m\u016f\u017ee b\u00fdt mo\u017enost vybrat pen\u00edze n\u011bkter\u00fdm z rodi\u010d\u016f, pokud budete pen\u00edze pot\u0159ebovat nap\u0159. na financov\u00e1n\u00ed studia p\u0159ed dovr\u0161en\u00edm dosp\u011blosti d\u00edt\u011bte.\u00da\u010det je toti\u017e majetkem d\u00edt\u011bte a v krajn\u00edch p\u0159\u00edpadech (sp\u00ed\u0161e ale p\u0159i vysok\u00fdch \u010d\u00e1stk\u00e1ch) by mohlo doj\u00edt k nutnosti rozhodnut\u00ed opatrovnick\u00e9ho soudu. Ale toto jsou sp\u00ed\u0161e krajn\u00ed hypotetick\u00e9 probl\u00e9my, typicky ale umo\u017e\u0148uj\u00ed banky jen v\u00fdb\u011br v hotovosti nam\u00edsto p\u0159evodu z \u00fa\u010dtu apod.\tNau\u010dme d\u00edt\u011b hospoda\u0159itJe-li \u00fa\u010det zam\u00fd\u0161len\u00fd jako n\u00e1stroj pro zlep\u0161en\u00ed finan\u010dn\u00ed gramotnosti d\u00edt\u011bte, p\u0159ipravte se na to, \u017ee virtu\u00e1ln\u00ed pen\u00edze jsou pro d\u00edt\u011b p\u0159edm\u011btem vysoce abstraktn\u00edm a bude nutn\u00e9 ho ze za\u010d\u00e1tku opravdu sv\u011bdomit\u011b v\u00e9st a v\u0161e mu vysv\u011btlovat.Nen\u00ed od v\u011bci, kdy\u017e si d\u00edt\u011b osvoj\u00ed pokud mo\u017eno co nejd\u0159\u00edve pov\u011bdom\u00ed o nakl\u00e1d\u00e1n\u00ed s pen\u011bzi. Uv\u011bdomte si, jak je jednoduch\u00e9 utratit pen\u00edze pouh\u00fdm p\u0159ilo\u017een\u00edm platebn\u00ed karty, kdy V\u00e1m fyzick\u00e9 pen\u00edze ani neprojdou rukama. D\u00edt\u011b ani nem\u00e1 pocit, \u017ee by n\u011bco utr\u00e1celo, ale je d\u016fle\u017eit\u00e9, aby si uv\u011bdomilo, \u017ee pen\u011bz na \u00fa\u010dtu ub\u00fdv\u00e1 a p\u0159\u00ed\u0161t\u011b u\u017e mu nemus\u00ed zb\u00fdt \u017e\u00e1dn\u00e9.D\u00edt\u011b se mus\u00ed nau\u010dit pl\u00e1novat i kdy\u017e nem\u00e1 mo\u017enost si kdykoli p\u0159epo\u010d\u00edtat pen\u00edze v pen\u011b\u017eence. Tak\u00e9 obsluha internetov\u00e9ho bankovnictv\u00ed (i kdy\u017e v p\u0159\u00edpad\u011b d\u011btsk\u00fdch kont se jedn\u00e1 sp\u00ed\u0161e o pasivn\u00ed n\u00e1hled) je v dne\u0161n\u00ed virtu\u00e1ln\u00ed dob\u011b dobr\u00e1 \u0161kola. A na to d\u00e1le navazuj\u00ed informace o \u00faro\u010den\u00ed, poplatc\u00edch, atd.P\u0159i v\u00fdb\u011bru d\u011btsk\u00e9ho konta si d\u00e1vejte (stejn\u011b jako u Va\u0161eho \u00fa\u010dtu) pozor pr\u00e1v\u011b na poplatky. U d\u011btsk\u00fdch kont by se m\u011bly limitn\u011b bl\u00ed\u017eit nule – pokud ne, poohl\u00e9dn\u011bte se jinde. \u00daro\u010den\u00ed z\u016fstatku na \u00fa\u010dtu neo\u010dek\u00e1vejte v \u017e\u00e1dn\u00e9 z\u00e1vratn\u00e9 v\u00fd\u0161i, i kdy\u017e bude asi lep\u0161\u00ed ne\u017e na b\u011b\u017en\u00fdch „dosp\u011bl\u00e1ck\u00fdch“ spo\u0159\u00edc\u00edch \u00fa\u010dtech – z toho vypl\u00fdv\u00e1, \u017ee tato konta nejsou dobr\u00fdm prost\u0159edkem ke spo\u0159en\u00ed.D\u016fle\u017eit\u00e9 jsou tak\u00e9 nab\u00edzen\u00e9 limity pro platby kartou, v\u00fdb\u011bry a mo\u017enost tyto limity m\u011bnit – zde budou ur\u010dit\u011b fungovat r\u016fzn\u00e1 omezen\u00ed oproti b\u011b\u017en\u00fdm \u00fa\u010dt\u016fm. Stejn\u011b tak internetov\u00e9 bankovnictv\u00ed neb\u00fdv\u00e1 plnohodnotn\u00e9. \u00a0Nav\u00edc si zde ale pe\u010dliv\u011b prostudujte mo\u017enost vypov\u011bzen\u00ed smlouvy z Va\u0161\u00ed strany.Jak jsme psali ji\u017e v\u00fd\u0161e, \u00fa\u010det je majetkem d\u00edt\u011bte a mohl by s t\u00edm b\u00fdt probl\u00e9m. A\u0165 jsou s d\u011btsk\u00fdmi \u00fa\u010dty spojen\u00e1 jak\u00e1koli omezen\u00ed a probl\u00e9my, je pravda, \u017ee \u010d\u00edm d\u0159\u00edve si d\u00edt\u011b tyto znalosti osvoj\u00ed, t\u00edm lep\u0161\u00ed bude m\u00edt pov\u011bdom\u00ed o financ\u00edch do budoucna.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"D\u011btsk\u00e1 konta","item":"https:\/\/www.compresspr.cz\/detska-konta\/#breadcrumbitem"}]}]