It is possible to put a child in an arrest with an average family income

Manel invites you to start a spoen for sv dt. They create a reserve for him to study at university and thus give him some pension until his arrest. Monost, how to do it, offer a few.

PkladOn our example, you can see that the husband does not have to earn a day of horrible pension. Petr (30) and Jana (27) Kuer lived in a regional town in a dilapidated 3 + 1 apartment, which they shared two years ago. Petr works for one company as a debtor, Jana is currently on maternity leave, and their son Jakub was born a year ago. The total income of the family is including 25,500 K msn. Petr and Jana meet, who they took to the apartment, in the amount of 5500 K msn.

Peter and Jana are currently considering a suitable product for their son. You can pay your own building savings and think about the contract for Jakub. Consider a possible fuse, or some other interesting alternative.

At present, they could release 1000 K and 1500 K from the family budget and want to save for 20 years.

As for the spoen for children, we have several options in the market. The first of them is now a classic product – building savings, the second is life insurance and the last opportunity to invest in one of the many open-end mutual funds.

Stavebn spoenThe first option, where children can save their pensions in the future, is building savings. The advantage of this product is clarity and transparency. For the pensions we spend on the number of building savings each year, we will receive a maximum of 3,000 CZK / year of support at a rate of 20,000 CZK per year.

In our case, this means that the Kuer manners would gain every year from the state between 1800 and 2700 K. In addition, these pensions are valued by one year from the deposit, which today in most building societies 2%.

The building savings pin also gave benefits, the inputs are exempt from taxes and the offspring in adulthood can ask for a vr that will help him in the acquisition of his own home. In addition, he preferred for parents in that they can cancel payments at any time, they can send a lot even irregularly or one-off (the current support is calculated from the total amount deposited per year and it does not matter when it is deposited).

All the above arguments could lead us to believe that the Kuer do not think about it at all, and that the building joint will be the only first alternative, but it will also turn the other side of the coin. The building society, with its nature, is one of the conservative products for which it can now be spent on the crown, as will its capital value in 10, 15 and 20 years.

For example, at a rate of 1000 K, in 20 years there will be around 340,000 K on the building society and the total profit will be around 100,000 K.

Due to the fact that the state support applies only to funds sent to the number of building societies for a given year and the rest of the combined pension is valued at only 2%, which does not cover the value of inflation during the day. spoen sharp drop.

ivotn pojitnThe second option that we can use as a savings product for children is life insurance. Most of the parents can live in their memory as they give birth to “savings” on insurance under the age of 18 and they then get paid some kind of pension.

During this day, the bag literally tore with various fuses for the children. These fuses have different parameters, different connectivity options, and they give birth or child. If we want to consider appreciation, then as the only way in the weight of investment life insurance for children, where we can achieve a much more interesting appreciation not on classic capital and flexible insurance.

We can dream of any payment at any time, for some time we can also pay peruit, in case of early withdrawal of the pension the insurance company will have penalty fees – bad for the time of the error until the end of the insurance.

As an added value for this product, we can choose the so-called opposite from the payment of the insurance premium, which means that if the connected parent (s) becomes fully disabled or country, the insurance company pays the agreed premium to the end of the insurance. Tm are disputes dtte protective and into adulthood.

At msn 1000K loky, the capital value after 20 years is around 400,000 K (then with an appreciation of 7% pa) and the net profit is around 160,000 K.

Hints and tips

– in the case of building societies, also be interested in the possibility and parameters of the building society, in these differences the biggest differences between building societies– for life insurance, let yourself be precisely explained how the type of insurance is involved and how your pensions are valued, or how the possibilities of connection risks are. – for mutual funds, it pays to invest in korunch and euros – find out the investment profile of the company that manages the selected fund– do not choose the fund according to the performance achieved in the last year and the MSC, be interested in the appreciation of the fund in the long term– if you can invest in more than one fund, or in different investment programs (they are created by investment companies and include a mix of different funds – thus reducing risk)

Oteven podlov fondThe last and so far below the least used option is the investment in one of the many mutual funds. It is good to remember that the open-end fund is created in such a way that in the case of smaller investors the company invests together through a professional manager – the company’s investment. The small segments thus form a large amount of income, which the fund manager invests in various securities. Whenever an investor receives a so-called catch sheet, they are involved in all the fund’s investments. The current share price is usually determined on a daily basis and its value corresponds to the exact value of the assets that fall on one floor.

Invest in a bond, equity or smench fund. Bonds are among the conservative investments and are not fully suitable in the long run. With regard to the appreciation potential, it is therefore more interesting to consider equity funds. For them, the potential is evaluated between 8 10% pa, which in the long run makes me very interesting inputs. In addition, we can pay peruit or stop paying at any time, and if necessary, we have a pension within one month.

If we take it with 1000K msn loka, the capital value after 20 years is around 550,000 K (then with an appreciation of 8% pa) and the net profit is around 310,000 K.

As we have shown, Manel Kuer has a number of alternatives to spoil his son Jakub. The products listed are ordered from those conservative and less valuable and to risky, but with a very interesting total input.

Since Kuer has been paying a pension for 20 years, the most interesting alternative for them will be investing in open-end mutual funds, combined with life insurance, to take advantage of the maximum benefits of both products (ie highly valued and at the same time protection of funds in case of adverse life events).

If they are left with a pension, they can start a child and build a building, but here we would recommend saving only a small amount. This product would start to be connected at the earliest and around 15 years of age due to the creation of a reserve for later housing, when they would use the return on this investment and this product would be self-financing. So the Kuer would not pay her the day he gave the extra pension.

Kuer will have his pensions available at any time in the event of a financial emergency, or he may be able to freeze or pay his payments, and if he invests the investment horizon of 20 years, regular investment will significantly reduce the possibility of fluctuations that affect stock markets from time to time.

Kuer is therefore very likely to make a profit several times over the traditional forms of spoons, so they will have a good feeling that they have allowed their son to easily enter life.

Note:1. Here is not a single mon, we could find and give monos.2. Amounts are simplified for simplification and are not included in the time value of pensions.