Don’t waste your mother. You got two and you didn’t get a threesome

ei, who had good grades in mathematics, have above-average incomes. According to the survey, units and doubles are financially better than triplets. Agree with the team of three Czech analytical experts.

“More than 80 percent of those who have above-average incomes and high life disputes now have a number one or two in mathematics,” said Milo Filip, chairman of the board of ING Investment Management, who conducted the survey. Even with good mathematical knowledge, they do not use folds in retirement, but fully deal with a triple and a healthy barrel.

“It really works. A people with high talents for mathematics cling to a pension. Cifrpinstv is a discipline for them, ”confirms Jan Lener, an analyst at Broker Consulting.

Finann gramotnost se v esku zlepuje

The current probe also indicated that two thirds of these four need to improve their financial knowledge. “There is a growing awareness of financial difficulties, but the ability over time to decide and choose the right products has changed only slightly,” said Lener.

“A lot of people still decide on the basis of an impulse, according to an attractive advertisement for a super suitable product, instead of really thinking about everything and comparing offers,” to Tom Prouza from Partners For Life Planning. According to analyst Markta ichtaov from Next Finance, the bag is a good first step, that even with two contracts, there is no support.

For about half of them, the longest stay is enough pensions. But that’s probably the first thing. “It is difficult for people not to be able to rely on retirement in retirement, with increasing life expectancy, rising health care costs and rising housing costs, they will have to retire much in disputes, not like a hundred-year-old retiree,” said Prouza.

Jan Lener agrees with this and adds: “For people, the idea of ​​poverty and financial helplessness is a fuel and I want to live it, but at the same time a number of people have zan syndrome for a year, for a month.”

The survey also showed that only a third of the people give the first financial reserve to you and six of them. The remaining two-thirds of them would last less than three months in the event of a loss of their income.

Finann recipes trio of eskch analysts

And how do the three analysts who had ones and at most twos during their studies in mathematics recommend the financial principles when dealing with retirement?

Jan Lenerm now dv. “First of all, it is a matter of a long time. The fact that throughout your active life you need to forget about 20 percent of your pensions. These pensions can lead to savings or long-term investments. In the event of problems such as the loss of the city and rising prices, deferred pensions will help to overcome a difficult situation, and with the long-term delay of the fifth income, financial independence can also be achieved. ”

Uiten is also a system of two pockets in the penny. This method is especially suitable for those who easily spread the pension. “First of all, it is necessary to consume how much you can spend per day. Then, each day, this propotane moves from one pocket of the wallet to another. But you must not spend everything if nothing has been left of the previous days, ”advises Lener.

Analyst Markt ichtaov proved his predisposition in his pension situation. “It’s like in a car, when I come to an arrest, I think there’s a pedestrian I can’t see behind me. When it comes to retiring, it’s time to imagine what can happen in a week. That doesn’t mean I have to have a pension ready, but I need to know how to get cash quickly. ”

“When you spend and invest, you use common sense and ask yourself how you can meet a particular product. If I can’t answer the question, then I don’t need the product, ”recommends Tom Prouza.

Investment in real estate in the Czech Republic is not very

They consider the best investment to be what they can look at, ie investment in real estate. “It’s a good investment if the hunter can afford it and if he doesn’t bother with disputes and is not forced to pay the danger of high installments. Even with a mortgage, the family should be able to create a financial reserve for unpredictable events and enjoy life in retirement, ”points out Prouza.

“Real estate is definitely a good type of investment, but in all parts of Moravia it is undeserved and the money is well deserved. Long-term income from rent is low, for example in Prague around the average percentage. For some term deposits, this offers value for money and no work and securing, ”concludes Lener.

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