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Lokata a konto oszczędnościowe - podobieństwa i różnice | Pieniądze i ja
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Lokata a konto oszczędnościowe – podobieństwa i różnice

Pieniądze w tzw. skarpecie, czyli również na nieoprocentowanym rachunku oszczędnościowo-rozliczeniowym (tzn. zwykłym koncie osobistym) nie zarabiają na siebie, a pozostając w takiej stagnacji tracą również na wartości. Jeśli potrafimy co miesiąc odłożyć środki z myślą o ich oszczędzaniu, nie warto jest je lokować w ten sposób. Warto za to ulokować je na lokacie bankowej lub odkładać na koncie oszczędnościowym. Dlaczego?

Oczywiście, ani na lokacie bankowej, ani na koncie oszczędnościowym raczej wiele nie zarobimy, przynajmniej, przy niskich wpłacanych środkach, od prawdziwego zarabiania są chociażby fundusze inwestycyjne. Jednak trzeba wiedzieć, że zarówno konta oszczędnościowe, jak i lokaty są najbezpieczniejszymi produktami, służącymi oszczędzaniu czy pomnażaniu środków. Posiadają również odpowiednie zabezpieczenia, na wypadek zawieruch w sektorze bankowym itp.

W każdym razie oba produkty służą raczej do umiejętnego oszczędzania czy ochrony wartości pieniądza przed utratą jego wartości, czyli inflacją.

Lokata bankowa

Lokaty bankowe polegają na tym, że tworzymy z naszych zaoszczędzonych środków depozyt w banku, który zostaje zdeponowany na czas określony w umowie. Po upływie tego okresu otrzymujemy nasze środki z powrotem, zostają one jednak powiększone o odsetki.

Problematyczny w lokatach bankowych może wydawać się fakt, że po zdeponowaniu pieniędzy do banku, nie mamy do nich dostępu przez czas określony w umowie, a jeśli jesteśmy zmuszeni do wcześniejszego zabrania pieniędzy, nie otrzymamy zazwyczaj żadnych odsetek.

Lokaty bankowe wydają się zatem dobrym sposobem dla tych, którzy mają problem z oszczędzaniem.

Dodatkowym plusem lokat bankowych jest wyższe oprocentowanie niż to, które znajdziemy na kontach oszczędnościowych.

Konto oszczędnościowe

Konto oszczędnościowe jest naszym dodatkowym, oprocentowanym kontem, na którym przelewamy swoje oszczędności. Jego zaletą jest elastyczność, poprzez którą pieniądze możemy wpłacać na konto, kiedy tylko chcemy, możemy również je z niego wypłacać.

Wadą kont oszczędnościowych jest niższe oprocentowanie, niż przy lokatach terminowych, ale także fakt, że zazwyczaj tylko jedna wypłata z konta w miesiącu jest darmowa, pozostałe są płatne i to słono.

Oba produkty oszczędnościowe posiadają swoje wady i zalety, a każdy z nich okaże się bardziej przydatny, w zależności od sposobu, w jaki wolimy oszczędzać. Ciekawą propozycją dla osób, które mają problemy z oszczędzaniem są programy automatycznego oszczędzania, o których więcej powiem w innym artykule.

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