{"id":1804,"date":"2026-05-11T14:30:00","date_gmt":"2026-05-11T12:30:00","guid":{"rendered":"https:\/\/kuraksa.cz\/blog\/?p=1804"},"modified":"2026-05-14T09:46:03","modified_gmt":"2026-05-14T07:46:03","slug":"sporeni-pro-deti-v-roce-2026-zapomente-na-stavebko-zkuste-etf","status":"publish","type":"post","link":"https:\/\/kuraksa.cz\/blog\/sporeni-pro-deti-v-roce-2026-zapomente-na-stavebko-zkuste-etf\/","title":{"rendered":"Spo\u0159en\u00ed pro d\u011bti v roce 2026: Zapome\u0148te na stavebko, zkuste ETF"},"content":{"rendered":"
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\"\"<\/figure>\n<\/div>\n\n\n

Pamatujete si, jak n\u00e1m rodi\u010de zakl\u00e1dali stavebko? Byl to ritu\u00e1l. St\u00e1tn\u00ed podpora byla vysok\u00e1, inflace n\u00edzk\u00e1 a v osmn\u00e1cti z toho bylo na prvn\u00ed auto nebo z\u00e1klad na byt. Jen\u017ee sv\u011bt se zm\u011bnil. V roce 2026 je stavebn\u00ed spo\u0159en\u00ed pro d\u011bti n\u011bco jako psac\u00ed stroj \u2013 kdysi u\u017eite\u010dn\u00fd, dnes sp\u00ed\u0161 nostalgick\u00fd kousek, kter\u00fd v\u00e1s v c\u00edli sp\u00ed\u0161 zklame.<\/p>\n\n\n\n

Jako t\u00e1ta i poradce to vid\u00edm denn\u011b. Rodi\u010de cht\u011bj\u00ed pro d\u011bti to nejlep\u0161\u00ed, ale \u010dasto skon\u010d\u00ed u produktu, kter\u00fd pen\u00edze sp\u00ed\u0161 „konzervuje“, ne\u017e aby je zhodnocoval.<\/p>\n\n\n\n

Probl\u00e9m jm\u00e9nem „St\u00e1tn\u00ed podpora“<\/h3>\n\n\n\n

Dnes je st\u00e1tn\u00ed podpora u stavebka o\u0159ezan\u00e1 na minimum (1 000 K\u010d ro\u010dn\u011b). Kdy\u017e k tomu p\u0159ipo\u010dtete poplatky za uzav\u0159en\u00ed smlouvy a ro\u010dn\u00ed spr\u00e1vu, zjist\u00edte, \u017ee re\u00e1ln\u00fd v\u00fdnos se pl\u00e1c\u00e1 n\u011bkde kolem 3\u20134 %<\/strong>. P\u0159i dne\u0161n\u00edch cen\u00e1ch a inflaci to znamen\u00e1, \u017ee d\u011btem po 18 letech odevzd\u00e1te hrom\u00e1dku pen\u011bz, kter\u00e1 m\u00e1 men\u0161\u00ed kupn\u00ed s\u00edlu, ne\u017e m\u011bla ta va\u0161e p\u011btistovka, kdy\u017e jste ji tam poprv\u00e9 poslali.<\/p>\n\n\n\n

Srovn\u00e1n\u00ed: Stavebko vs. D\u011btsk\u00e9 ETF (1 000 K\u010d m\u011bs\u00ed\u010dn\u011b \/ 18 let)<\/h3>\n\n\n\n
Parametr<\/strong><\/td>Stavebn\u00ed spo\u0159en\u00ed<\/strong><\/td>Investice do ETF (Akcie)<\/strong><\/td><\/tr><\/thead>
P\u0159edpokl\u00e1dan\u00fd v\u00fdnos<\/strong><\/td>cca 3,5 % p.a.<\/td>cca 7\u20139 % p.a.<\/td><\/tr>
Naspo\u0159en\u00e1 \u010d\u00e1stka (18 let)<\/strong><\/td>cca 290 000 K\u010d<\/td>cca 480 000 K\u010d<\/strong><\/td><\/tr>
St\u00e1tn\u00ed podpora<\/strong><\/td>\u2705 Ano (max. 1000 K\u010d\/rok)<\/td>\u274c Ne<\/td><\/tr>
Dostupnost pen\u011bz<\/strong><\/td>V\u00e1zan\u00e9 6 let<\/td>Kdykoliv (ale ide\u00e1ln\u00ed dr\u017eet)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Rozd\u00edl 190 000 K\u010d<\/strong>? To u\u017e je sakra zn\u00e1t. To je rozd\u00edl mezi t\u00edm, jestli va\u0161e d\u00edt\u011b za\u010dne dosp\u011blost se starou ojetinou, nebo s po\u0159\u00e1dn\u00fdm kapit\u00e1lem na studium v zahrani\u010d\u00ed nebo akontaci na vlastn\u00ed bydlen\u00ed.<\/p>\n\n\n\n

Jak na to v roce 2026?<\/h3>\n\n\n\n

Nejv\u011bt\u0161\u00ed zbran\u00ed va\u0161ich d\u011bt\u00ed je \u010das<\/strong>. Maj\u00ed p\u0159ed sebou 18 a v\u00edce let \u2013 to je ide\u00e1ln\u00ed horizont pro akciov\u00e9 trhy.<\/p>\n\n\n\n

    \n
  • D\u011btsk\u00e9 investi\u010dn\u00ed \u00fa\u010dty:<\/strong> Platformy jako Portu nebo Fondee nab\u00edzej\u00ed speci\u00e1ln\u00ed d\u011btsk\u00e9 \u00fa\u010dty se sn\u00ed\u017een\u00fdm poplatkem (\u010dasto jen 0,25 % ro\u010dn\u011b).<\/li>\n\n\n\n
  • DIP pro d\u011bti?<\/strong> Od roku 2024 je tu i mo\u017enost dlouhodob\u00fdch investic, kter\u00e9 sice st\u00e1tn\u00ed podporu nemaj\u00ed, ale da\u0148ov\u00e9 v\u00fdhody pro rodi\u010de (pokud byste to psali na sebe) jsou zaj\u00edmav\u00e9. Nicm\u00e9n\u011b pro d\u011bti je nej\u010dist\u0161\u00ed cesta klasick\u00e9 ETF portfolio.<\/li>\n<\/ul>\n\n\n\n
    \n

    Andrej\u016fv tip:<\/strong> Pokud u\u017e stavebko m\u00e1te, nechte ho dob\u011bhnout do konce v\u00e1zac\u00ed doby, ale dal\u0161\u00ed pen\u00edze u\u017e tam nesypejte. Otev\u0159ete d\u00edt\u011bti investi\u010dn\u00ed \u00fa\u010det. P\u011btistovka m\u011bs\u00ed\u010dn\u011b do indexu S&P 500 ud\u011bl\u00e1 za 18 let v\u00edc pr\u00e1ce ne\u017e jak\u00e1koliv st\u00e1tn\u00ed dotace.<\/p>\n<\/blockquote>\n\n\n\n

    Chcete spo\u010d\u00edtat, kolik p\u0159esn\u011b m\u016f\u017eete d\u011btem vybudovat? Zastavte se, pod\u00edv\u00e1me se na to p\u0159es konkr\u00e9tn\u00ed \u010d\u00edsla.<\/p>\n\n\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Chcete d\u011btem zajistit milionov\u00fd start do \u017eivota? Zjist\u011bte, pro\u010d st\u00e1tn\u00ed podpora u stavebka v roce 2026 nikoho nespas\u00ed a jak funguj\u00ed d\u011btsk\u00e9 investi\u010dn\u00ed \u00fa\u010dty.<\/p>\n","protected":false},"author":1,"featured_media":1814,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/comments?post=1804"}],"version-history":[{"count":2,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1804\/revisions"}],"predecessor-version":[{"id":1815,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1804\/revisions\/1815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media\/1814"}],"wp:attachment":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media?parent=1804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/categories?post=1804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/tags?post=1804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}