{"id":1827,"date":"2026-05-20T14:30:00","date_gmt":"2026-05-20T12:30:00","guid":{"rendered":"https:\/\/kuraksa.cz\/blog\/?p=1827"},"modified":"2026-05-14T10:03:49","modified_gmt":"2026-05-14T08:03:49","slug":"rodice-a-penize-jak-v-roce-2026-ochranit-uspory-senioru-pred-inflaci-i-smejdy","status":"publish","type":"post","link":"https:\/\/kuraksa.cz\/blog\/rodice-a-penize-jak-v-roce-2026-ochranit-uspory-senioru-pred-inflaci-i-smejdy\/","title":{"rendered":"Rodi\u010de a pen\u00edze: Jak v roce 2026 ochr\u00e1nit \u00faspory senior\u016f p\u0159ed inflac\u00ed i \u0161mejdy"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"572\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-5.png\" alt=\"\" class=\"wp-image-1828\" style=\"width:400px\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-5.png 1024w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-5-300x168.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/05\/image-5-768x429.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Mluvit s rodi\u010di o pen\u011bz\u00edch je u \u010desk\u00e9ho stolu \u010dasto t\u011b\u017e\u0161\u00ed ne\u017e mluvit o politice. Na\u0161i t\u00e1tov\u00e9 a m\u00e1my jsou hrd\u00ed. Cel\u00fd \u017eivot pracovali, aby n\u011bco vybudovali, a te\u010f necht\u011bj\u00ed sly\u0161et \u201erady\u201c od sv\u00fdch d\u011bt\u00ed. Jen\u017ee v roce 2026 je finan\u010dn\u00ed sv\u011bt pro seniory extr\u00e9mn\u011b nebezpe\u010dn\u00e9 m\u00edsto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jako poradce vid\u00edm dva extr\u00e9my: bu\u010f maj\u00ed prarodi\u010de pen\u00edze v \u201epono\u017ece\u201c (nebo na b\u011b\u017en\u00e9m \u00fa\u010dtu s \u00farokem 0,01 %), kde je \u017eere inflace, nebo se stanou ter\u010dem modern\u00edch \u0161mejd\u016f. Tady je pl\u00e1n, jak jim pomoci.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Kyber-\u0161mejdi 2026: Um\u011bl\u00e1 inteligence \u00fato\u010d\u00ed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Zapome\u0148te na podomn\u00ed prodejce hrnc\u016f. Dne\u0161n\u00ed podvodn\u00edci pou\u017e\u00edvaj\u00ed <strong>Deepfake<\/strong>. Dok\u00e1\u017eou do telefonu v\u011brn\u011b napodobit hlas vnou\u010dete v nouzi nebo \u201ebank\u00e9\u0159e\u201c, kter\u00fd je varuje p\u0159ed napaden\u00edm \u00fa\u010dtu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Moje rada:<\/strong> Domluvte si s rodi\u010di <strong>\u201erodinn\u00e9 heslo\u201c<\/strong>. Pokud jim n\u011bkdo zavol\u00e1 z ciz\u00edho \u010d\u00edsla a bude cht\u00edt pen\u00edze nebo p\u0159\u00edstup k \u00fa\u010dtu, mus\u00ed \u0159\u00edct heslo. Pokud ho nezn\u00e1, je to podvod. Jednoduch\u00e9, ale zachra\u0148uje to statis\u00edce.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Past jm\u00e9nem \u201eB\u011b\u017en\u00fd \u00fa\u010det\u201c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Senio\u0159i maj\u00ed r\u00e1di jistotu sv\u00e9 banky, kde jsou 30 let. Jen\u017ee banky na jejich v\u011brnosti vyd\u011bl\u00e1vaj\u00ed. Nechat 200 000 K\u010d na b\u011b\u017en\u00e9m \u00fa\u010dtu v dob\u011b, kdy inflace sice klesla, ale st\u00e1le ukrajuje z kupn\u00ed s\u00edly, je \u0161koda.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Co s t\u00edm:<\/strong> Pomozte jim nastavit <strong>spo\u0159ic\u00ed \u00fa\u010det<\/strong> ve stejn\u00e9 bance. Pen\u00edze jsou tam stejn\u011b dostupn\u00e9, ale aspo\u0148 n\u011bco vyd\u011blaj\u00ed. Pro ty odv\u00e1\u017en\u011bj\u0161\u00ed existuj\u00ed konzervativn\u00ed repo fondy, kter\u00e9 jsou bezpe\u010dn\u00e9 jako banka, ale nesou v\u00edc.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Jak o tom mluvit a nepoh\u00e1dat se?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Necho\u010fte za nimi s t\u00edm, \u017ee \u201eto d\u011blaj\u00ed \u0161patn\u011b\u201c. Jd\u011bte na to p\u0159es vlastn\u00ed zku\u0161enost.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zkuste to takhle:<\/strong> \u201eMami, d\u011blal jsem si te\u010f <a href=\"https:\/\/www.google.com\/search?q=\/financni-audit-domacnosti-navod\/&amp;authuser=1\" target=\"_blank\" rel=\"noreferrer noopener\">finan\u010dn\u00ed audit<\/a> a zjistil jsem, \u017ee mi banka zbyte\u010dn\u011b strh\u00e1vala poplatky. Nechce\u0161, abychom se schv\u00e1ln\u011b pod\u00edvali i na tvoje v\u00fdpisy, jestli t\u011b taky neokr\u00e1daj\u00ed?\u201c<\/li>\n\n\n\n<li>C\u00edlem nen\u00ed vz\u00edt jim kontrolu, ale b\u00fdt jejich \u201eochrann\u00fdm \u0161t\u00edtem\u201c.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. D\u011bdictv\u00ed a majetek: \u010cas na up\u0159\u00edmnost<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Je to nep\u0159\u00edjemn\u00e9, ale je to pot\u0159eba. V roce 2026 jsou not\u00e1\u0159sk\u00e9 poplatky a spory o d\u011bdictv\u00ed dra\u017e\u0161\u00ed ne\u017e kdy d\u0159\u00edv.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Darov\u00e1n\u00ed za \u017eivota:<\/strong> Pokud rodi\u010de v\u011bd\u00ed, \u017ee byt v Most\u011b jednou dostane dcera a chatu syn, je \u010dasto lep\u0161\u00ed to vy\u0159e\u0161it darem s <strong>v\u011bcn\u00fdm b\u0159emenem do\u017eit\u00ed<\/strong> (v\u00fdminkem) u\u017e te\u010f. Rodi\u010de maj\u00ed jistotu, \u017ee je nikdo nevyhod\u00ed, a rodina u\u0161et\u0159\u00ed tis\u00edce na d\u011bdick\u00e9m \u0159\u00edzen\u00ed.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Srovn\u00e1n\u00ed: Na co si d\u00e1t u senior\u016f pozor<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Riziko<\/strong><\/td><td><strong>Na co si d\u00e1t pozor (Red Flags)<\/strong><\/td><td><strong>\u0158e\u0161en\u00ed<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>P\u0159edra\u017een\u00e9 energie<\/strong><\/td><td>Smlouvy na dobu ur\u010ditou s vysokou sankc\u00ed.<\/td><td>Kontrola faktur jednou ro\u010dn\u011b.<\/td><\/tr><tr><td><strong>Investi\u010dn\u00ed z\u00e1zraky<\/strong><\/td><td>Sliby v\u00fdnosu 15 % m\u011bs\u00ed\u010dn\u011b p\u0159es Facebook.<\/td><td>Vysv\u011btlit, \u017ee vysok\u00fd v\u00fdnos = obrovsk\u00e9 riziko.<\/td><\/tr><tr><td><strong>Podpoji\u0161t\u011bn\u00ed<\/strong><\/td><td>Pojistka na d\u016fm z roku 1995 (na 500 000 K\u010d).<\/td><td><a target=\"_blank\" rel=\"noreferrer noopener\" href=\"https:\/\/www.google.com\/search?q=\/pojisteni-domacnosti-bilina-audit\/&amp;authuser=1\">Audit pojistn\u00fdch smluv<\/a>.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Andrej\u016fv post\u0159eh:<\/strong> Nejv\u011bt\u0161\u00ed bohatstv\u00ed nen\u00ed v pen\u011bz\u00edch, ale v tom, \u017ee rodina dr\u017e\u00ed spolu. Kdy\u017e rodi\u010de v\u011bd\u00ed, \u017ee se na v\u00e1s mohou v ot\u00e1zce financ\u00ed spolehnout, ulev\u00ed se jim v\u00edc, ne\u017e si mysl\u00edte.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Chcete, abych se na finance va\u0161ich rodi\u010d\u016f pod\u00edval s v\u00e1mi? \u010casto funguji jako \u201enez\u00e1visl\u00fd rozhod\u010d\u00ed\u201c. Rodi\u010de sp\u00ed\u0161e poslechnou odborn\u00edka v obleku ne\u017e vlastn\u00ed d\u011bti (to je prost\u011b psychologie). Prvn\u00ed k\u00e1vu a konzultaci m\u00e1me u m\u011b v kancel\u00e1\u0159i v Teplic\u00edch zdarma pro celou rodinu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jak mluvit s rodi\u010di o pen\u011bz\u00edch? Tipy, jak ochr\u00e1nit \u00faspory senior\u016f p\u0159ed podvodn\u00edky a nastavit finance tak, aby rodina v budoucnu o nic nep\u0159i\u0161la.<br \/>\nKl\u00ed\u010dov\u00e9 slovo: finance pro seniory<\/p>\n","protected":false},"author":1,"featured_media":1828,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1827","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=1827"}],"version-history":[{"count":1,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1827\/revisions"}],"predecessor-version":[{"id":1829,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1827\/revisions\/1829"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media\/1828"}],"wp:attachment":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media?parent=1827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/categories?post=1827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/tags?post=1827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}