{"id":8230,"date":"2018-09-09T14:57:30","date_gmt":"2018-09-09T12:57:30","guid":{"rendered":"https:\/\/www.tomislavstankovic.com\/blog\/?p=8230"},"modified":"2019-02-04T23:29:03","modified_gmt":"2019-02-04T21:29:03","slug":"otvorena-aktivna-stednja","status":"publish","type":"post","link":"https:\/\/www.tomislavstankovic.com\/blog\/otvorena-aktivna-stednja\/","title":{"rendered":"Otvorena, aktivna, \u0161tednja"},"content":{"rendered":"<p>U zadnjih sam nekoliko dana pro\u010ditao sav sadr\u017eaj sa bloga <a href=\"https:\/\/blog.dnevnik.hr\/novac\/\" rel=\"noopener\" target=\"_blank\">novac.blog.hr<\/a> \u0161to me je u kona\u010dnici i potaknulo na objavu teksta u nastavku.<\/p>\n<p>Ovo nije preporuka \u0161to bi netko trebao raditi nego samo glasno razmi\u0161ljanje koje mo\u017ee dovesti do konstruktivne rasprave vezane uz \u0161tednju. Volio bi \u010duti i va\u0161a mi\u0161ljenja koja slobodno mo\u017eete ostaviti u komentarima. <\/p>\n<h2>Uvod<\/h2>\n<p>Uvijek se rado sjetim <a href=\"https:\/\/youtu.be\/BBcL4D7Qikc?t=1h59m10s\" rel=\"noopener\" target=\"_blank\">izjave<\/a> Mirka Filipovi\u0107a (Cro Cop) koji je rekao:<\/p>\n<blockquote><p>Zna\u0161 kad se \u0161para lova? Kad je ima\u0161. &#8230; Onda shvati\u0161 da \u0107e jednog dana to prestati i vi\u0161e dotoka novca nema i da \u0107e\u0161 \u017eivjeti od onoga \u0161to si priskrbio i od onoga kako si rasporedio taj novac.<\/p><\/blockquote>\n<p><iframe loading=\"lazy\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/BBcL4D7Qikc?start=7150\" frameborder=\"0\" allow=\"autoplay; encrypted-media\" allowfullscreen><\/iframe><\/p>\n<p>U slu\u010daju otkaza, zdravstvenih problema koji onemogu\u0107avaju daljnji rad i uzrokuju prekid radnog odnosa, potrebe za brigom za \u010dlana ku\u0107anstva koji nije u mogu\u0107nosti brinuti se sam za sebe i sl. \u010dovjek se lako na\u0111e u poziciji da i sljede\u0107i mjesec mora platiti re\u017eije, da se mora prehraniti i obu\u0107i ili mo\u017eda platiti skupe lijekove, a novaca nema. Situacije su to u kojim se, na\u017ealost, svatko od nas mo\u017ee na\u0107i.<\/p>\n<p>Kada do\u0111e do neke od ranije navedenih situacija kasno je za razmi\u0161ljanje o \u0161tednji. <\/p>\n<p>Mo\u017eda na \u017eivot ne treba gledati toliko negativno, ali realnost je takva. Osobno se vodim sljede\u0107im razmi\u0161ljanjem: <strong>ako je ne\u0161to<\/strong> trenutno <strong>dobro u \u017eivotu to ne\u0107e trajati vje\u010dno<\/strong>, ali isto tako,<strong> ako je ne\u0161to lo\u0161e niti to ne\u0107e trajati vje\u010dno<\/strong>. I zato je korisno i <a href=\"https:\/\/www.youtube.com\/watch?v=KXfCCA1DVg0\" rel=\"noopener\" target=\"_blank\">racionalno<\/a> u dobrom razdoblju pripremiti se na malo manje dobro tj. lo\u0161e. <\/p>\n<h2>\u0160to je otvorena, aktivna, \u0161tednja?<\/h2>\n<p>P.S. Sve u nastavku ti\u010de se \u0161tednje u kunama. <\/p>\n<blockquote><p>Otvorena oro\u010dena \u0161tednja daje vam mogu\u0107nost vi\u0161ekratne uplate tijekom trajanja oro\u010denja. Kada vrijeme oro\u010denja istekne, ispla\u0107uje vam se u\u0161te\u0111eni iznos zajedno s kamatom. &#8211; <a href=\"https:\/\/gov.hr\/moja-uprava\/financije-i-porezi\/stednja-i-ulaganje\/kunska-i-devizna-stednja\/434\" rel=\"noopener\" target=\"_blank\">Sredi\u0161nji dr\u017eavni portal<\/a><\/p><\/blockquote>\n<p>To je <a href=\"https:\/\/blog.dnevnik.hr\/novac\/2004\/11\/90032\/otvorena-stednja.2.html?page=blog&#038;id=90032&#038;subpage=1&#038;subdomain=novac\" rel=\"noopener\" target=\"_blank\">vrsta \u0161tednje<\/a> u kojoj se jednom uplati fiksni iznos i onda kroz ugovoreno razdoblje, npr. 36 mjeseci, mo\u017ee se upla\u0107ivati proizvoljan iznos jednom mjese\u010dno ili kad god osobi odgovara. U svakom slu\u010daju najbolje se dr\u017eati mjese\u010dnih uplata, po mogu\u0107nosti preko trajnog naloga. <\/p>\n<blockquote><p>Ve\u0107 sam vi\u0161e puta spominjao trajni nalog. Banka vam uzme lovu i prije nego ju vi sami stignete &#8220;u\u0161tediti&#8221;. &#8211; <a href=\"https:\/\/blog.dnevnik.hr\/novac\/2004\/09\/68972\/upravo-ste-otplatili-jedan-kredit-odlicno-odmah-uzmite-novi-zadnji-korak-u-osobnim-financijama.html\" rel=\"noopener\" target=\"_blank\">novac.blog.hr<\/a><\/p><\/blockquote>\n<p>Cilj mo\u017ee biti skupiti dovoljno novaca da se mo\u017ee normalno \u017eivjeti 3 do 6 mjeseci bez dodatnih primanja. Jednom kada se taj iznos skupi mo\u017ee se nastaviti upla\u0107ivati manji iznos u istu aktivnu \u0161tednju, otvoriti novu za neku drugu svrhu, a ostatak <a href=\"https:\/\/www.tomislavstankovic.com\/blog\/ulaganje-investicijski-fondovi\/\" rel=\"noopener\" target=\"_blank\">ulo\u017eiti u neki drugi financijski instrument (dionice, fondovi,&#8230;)<\/a>. <\/p>\n<figure id=\"attachment_8330\" aria-describedby=\"caption-attachment-8330\" style=\"width: 938px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-1-min.png\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-1-min.png\" alt=\"Otvorena, aktivna, \u0161tednja\" width=\"938\" height=\"192\" class=\"size-full wp-image-8330\" srcset=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-1-min.png 938w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-1-min-300x61.png 300w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-1-min-768x157.png 768w\" sizes=\"auto, (max-width: 938px) 100vw, 938px\" \/><\/a><figcaption id=\"caption-attachment-8330\" class=\"wp-caption-text\">Kamata na oro\u010denu \u0161tednju u kunama<\/figcaption><\/figure>\n<p>U\u0161te\u0111ena svota mo\u017ee se br\u017ee skupiti ako se dodatni prihod, npr. povrat poreza, poklon, regres ili povi\u0161ica, uplati u \u0161tednju umjesto da se potro\u0161i. Ne sje\u0107am se gdje sam to pro\u010ditao, ali i\u0161lo je u smislu da se dodatan prihod mo\u017ee podijeliti na dva dijela &#8211; jedan koji ide na \u0161tednju, a drugi se mo\u017ee potro\u0161iti na ne\u0161to \u0161to osoba u tom trenutku \u017eeli\/treba. <\/p>\n<p>Najbolje \u0161to se mo\u017ee dogoditi kod \u0161tednje je da vam taj novac nikada ne zatreba tj. da ga niste prisiljeni potro\u0161iti, a zauzvrat dobijete odre\u0111enu sigurnost.<\/p>\n<h2>Za\u0161to ne \u0161tediti?<\/h2>\n<p>U svakoj od sljede\u0107ih izjava ima istine \u0161to mo\u017ee ili ne mora biti razlog za\u0161to ne \u0161tediti.<\/p>\n<li><strong>Od \u0161tednje se ne\u0107u obogatiti.<\/strong><\/li>\n<p> \u0160tednja i ne slu\u017ei boga\u0107enju jer novac koji stoji na ra\u010dunu ne radi ni\u0161ta da bi se umno\u017eio. Za to postoje drugi financijski instrumenti. \u0160tednja je tu kao sigurnost. <\/p>\n<figure id=\"attachment_8333\" aria-describedby=\"caption-attachment-8333\" style=\"width: 968px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-2-min.png\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-2-min.png\" alt=\"Grafikon stopa inflacije\" width=\"968\" height=\"475\" class=\"size-full wp-image-8333\" srcset=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-2-min.png 968w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-2-min-300x147.png 300w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-2-min-768x377.png 768w\" sizes=\"auto, (max-width: 968px) 100vw, 968px\" \/><\/a><figcaption id=\"caption-attachment-8333\" class=\"wp-caption-text\">Grafikon stopa inflacije<\/figcaption><\/figure>\n<blockquote><p>Male stvari na kraju jako puno zna\u010de. <strong>Nije va\u017eno da li \u0107ete u\u0161tedjeti 100 kn, 1.000 kn ili 10.000 kn. Najva\u017enije je da promjenite svoj stav prema novcu.<\/strong> Da ne tro\u0161ite vi\u0161e nego \u0161to imate nego da ula\u017eete, \u0161tedite i pove\u0107avate svoje bogatstvo. Na po\u010detku je komplicirano &#8211; kao da jedete desnom rukom, a ljevak ste. &#8211; <a href=\"https:\/\/blog.dnevnik.hr\/novac\/2004\/09\/68972\/upravo-ste-otplatili-jedan-kredit-odlicno-odmah-uzmite-novi-zadnji-korak-u-osobnim-financijama.html\" rel=\"noopener\" target=\"_blank\">novac.blog.hr<\/a><\/p><\/blockquote>\n<li><strong>Kamata na aktivnu, otvorenu, \u0161tednju je nikakva.<\/strong><\/li>\n<p> Istina, pogotovo ako se gleda manje vremensko razdoblje i neka druga valuta. Ipak, i dalje je bolja od nikakve. Ako ni\u0161ta drugo dobro je dok se kre\u0107e oko stope inflacije da barem nju pokrije. <\/p>\n<figure id=\"attachment_8358\" aria-describedby=\"caption-attachment-8358\" style=\"width: 639px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-3-min.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-3-min.jpg\" alt=\"Kamatne stope kroz vrijeme\" width=\"639\" height=\"386\" class=\"size-full wp-image-8358\" srcset=\"https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-3-min.jpg 639w, https:\/\/www.tomislavstankovic.com\/blog\/wp-content\/uploads\/2018\/09\/otvorena-aktivna-stednja-3-min-300x181.jpg 300w\" sizes=\"auto, (max-width: 639px) 100vw, 639px\" \/><\/a><figcaption id=\"caption-attachment-8358\" class=\"wp-caption-text\">Izvor: Bilten o bankama, HNB &#038; eclectica.hr<\/figcaption><\/figure>\n<li><strong>Trebat&#8217; \u0107e mi &#8220;100 godina&#8221; da ne\u0161to u\u0161tedim.<\/strong><\/li>\n<p>Vrijeme u ovom slu\u010daju \u010dini \u010duda. Vrijeme \u0107e ovako i onako pro\u0107i pa je bolje onda ipak imati ne\u0161to, nego ne imati ni\u0161ta.  <\/p>\n<li><strong>Nemam od \u010dega \u0161tediti.<\/strong><\/li>\n<p>Na\u017ealost, u ovom se slu\u010daju malo toga mo\u017ee napraviti i to je jedan od razloga koji govori sam za sebe. Za nadati se da to razdoblje ne\u0107e potrajati vje\u010dno i da \u0107e se u budu\u0107nosti ipak neki manji iznos mo\u0107i staviti na \u0161tednju.<\/p>\n<h2>\u0160to ako ve\u0107 imam ve\u0107u koli\u010dinu u\u0161te\u0111enog novca?<\/h2>\n<p>Ako jednom do\u0111ete u situaciju da imate <a href=\"https:\/\/eclectica.hr\/2018\/09\/07\/stednja-u-bankama-opet-rekordno\/\" rel=\"noopener\" target=\"_blank\">ve\u0107i iznos na \u0161tednom ra\u010dunu<\/a> i suo\u010dite se s ovakvim mjerama vrijeme je za &#8216;plan B&#8217;. <\/p>\n<blockquote><p>Za velike depozitare u Hrvatskoj, one koji u banci dr\u017ee vi\u0161e od 50.000 eura, u pravilu vrijede posebna pravila i s bankama imaju posebne aran\u017emane. Me\u0111utim, ni oni vi\u0161e ne mogu ra\u010dunati na neki osobit tretman. Tako su se neki po\u017ealili da je kamatna stopa koju im banka nudi gotovo ravna nuli. U bankama potvr\u0111uju takav trend, isti\u010du\u0107i da je likvidnost u sustavu ogromna, da ve\u0107 dugo traje te da nitko u sustavu ne \u017eeli sebi stvarati dodatni tro\u0161ak. &#8211; <a href=\"https:\/\/novac.jutarnji.hr\/novcanik\/udar-na-stedise-na-stednju-vecu-od-pola-milijuna-eura-kazna-do-jedan-posto\/7774533\/\" rel=\"noopener\" target=\"_blank\">Udar na \u0161tedi\u0161e: Na \u0161tednju ve\u0107u od pola milijuna eura kazna do jedan posto<\/a><\/p><\/blockquote>\n<p>Tada \u0107ete ve\u0107 ili znati \u0161to s tim novcima ili \u0107ete tra\u017eiti novi na\u010din kako ostvariti optimalan prinos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>U zadnjih sam nekoliko dana pro\u010ditao sav sadr\u017eaj sa bloga novac.blog.hr \u0161to me je u kona\u010dnici i potaknulo na objavu teksta u nastavku. Ovo nije preporuka \u0161to bi netko trebao raditi nego samo glasno razmi\u0161ljanje koje mo\u017ee dovesti do konstruktivne rasprave vezane uz \u0161tednju. Volio bi \u010duti i va\u0161a mi\u0161ljenja koja slobodno mo\u017eete ostaviti u &hellip; <a href=\"https:\/\/www.tomislavstankovic.com\/blog\/otvorena-aktivna-stednja\/\" class=\"more-link\">Nastavi \u010ditati <span class=\"screen-reader-text\">Otvorena, aktivna, \u0161tednja<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":8350,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[534],"tags":[541,542,540,539],"class_list":["post-8230","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financije","tag-banka","tag-inflacija","tag-kamate","tag-stednja"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Otvorena, aktivna, \u0161tednja - Tomislav Stankovi\u0107<\/title>\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.tomislavstankovic.com\/blog\/otvorena-aktivna-stednja\/\" \/>\n<meta property=\"og:locale\" content=\"hr_HR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Otvorena, aktivna, \u0161tednja - Tomislav Stankovi\u0107\" \/>\n<meta property=\"og:description\" content=\"U zadnjih sam nekoliko dana pro\u010ditao sav sadr\u017eaj sa bloga novac.blog.hr \u0161to me je u kona\u010dnici i potaknulo na objavu teksta u nastavku. 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