{"id":20989,"date":"2025-10-17T09:35:00","date_gmt":"2025-10-17T07:35:00","guid":{"rendered":"https:\/\/prahaskolska.200.solutions\/?p=20989"},"modified":"2025-10-18T23:44:24","modified_gmt":"2025-10-18T21:44:24","slug":"cesti-studenti-veri-domacim-univerzitam-bez-financi-od-rodicu-se-ale-vetsinou-neobejdou","status":"publish","type":"post","link":"https:\/\/prahaskolska.200.solutions\/?p=20989","title":{"rendered":"\u010ce\u0161t\u00ed studenti v\u011b\u0159\u00ed dom\u00e1c\u00edm univerzit\u00e1m. Bez financ\u00ed od rodi\u010d\u016f se ale v\u011bt\u0161inou neobejdou"},"content":{"rendered":"\n<p><strong>Mlad\u00ed \u010ce\u0161i pova\u017euj\u00ed tuzemsk\u00e9 vysok\u00e9 \u0161koly za stejn\u011b kvalitn\u00ed jako ty zahrani\u010dn\u00ed. Podle t\u00e9m\u011b\u0159 poloviny z nich je \u00farove\u0148 srovnateln\u00e1 a patn\u00e1ct procent student\u016f je dokonce hodnot\u00ed l\u00e9pe. Studium na vysok\u00e9 \u0161kole se v\u0161ak u mnoha mlad\u00fdch lid\u00ed neobejde bez finan\u010dn\u00ed podpory rodi\u010d\u016f nebo pravideln\u00e9ho p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed.<\/strong><\/p>\n\n\n\n<p>Z\u00e1jem o vysoko\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed mezi mlad\u00fdmi \u010cechy z\u016fst\u00e1v\u00e1 vysok\u00fd. Podle dat Eurostatu m\u011blo v roce 2024 dokon\u010den\u00e9 terci\u00e1rn\u00ed vzd\u011bl\u00e1n\u00ed 31,6 procenta lid\u00ed ve v\u011bku od 24 do 29 let, zat\u00edmco evropsk\u00fd pr\u016fm\u011br \u010dinil 43,4 procenta. \u010cesk\u00e1 republika tak sice zaost\u00e1v\u00e1, ale trend roste. Potvrzuje to i pr\u016fzkum, kter\u00fd pro investi\u010dn\u00ed platformu Portu zpracovala agentura Ipsos. Z respondent\u016f ve v\u011bku 16 a\u017e 29 let v\u00edce ne\u017e 71 procent uvedlo, \u017ee na vysok\u00e9 \u0161kole studuj\u00ed, pl\u00e1nuj\u00ed studovat nebo ji ji\u017e dokon\u010dili. Jen p\u011btina dot\u00e1zan\u00fdch o vysoko\u0161kolsk\u00e9m vzd\u011bl\u00e1n\u00ed v\u016fbec neuva\u017euje. <strong>\u201e\u010c\u00edsla jasn\u011b ukazuj\u00ed, \u017ee mezi mlad\u00fdmi \u010cechy je o vysoko\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed opravdov\u00fd z\u00e1jem,\u201c<\/strong> \u0159\u00edk\u00e1 analytik Portu Luk\u00e1\u0161 Ra\u0161ka.<\/p>\n\n\n\n<p>Rostouc\u00ed z\u00e1jem se projevuje i v po\u010dtu p\u0159ihl\u00e1\u0161ek. Karlova univerzita zaznamenala n\u00e1r\u016fst o \u010dty\u0159i a p\u016fl procenta, Masarykova univerzita v Brn\u011b o p\u011bt procent a pra\u017esk\u00e1 \u010cesk\u00e1 zem\u011bd\u011blsk\u00e1 univerzita dokonce o \u0161estn\u00e1ct procent oproti minul\u00e9mu roku. Podle ministerstva \u0161kolstv\u00ed za t\u00edm stoj\u00ed nejen siln\u00e1 popula\u010dn\u00ed vlna, ale tak\u00e9 fakt, \u017ee si mlad\u00ed lid\u00e9 \u010dast\u011bji pod\u00e1vaj\u00ed v\u00edce p\u0159ihl\u00e1\u0161ek sou\u010dasn\u011b.<\/p>\n\n\n\n<p>V\u00fdrazn\u00fd rozd\u00edl je v\u0161ak mezi \u010cechy a Slov\u00e1ky, pokud jde o studium v zahrani\u010d\u00ed. Na Slovensku nav\u0161t\u011bvuje nebo pl\u00e1nuje zahrani\u010dn\u00ed univerzitu v\u00edce ne\u017e patn\u00e1ct procent mlad\u00fdch, zat\u00edmco v \u010cesku je to pouze necel\u00fdch \u0161est procent. T\u00e9m\u011b\u0159 trojn\u00e1sobn\u00fd rozd\u00edl potvrzuje i vn\u00edm\u00e1n\u00ed kvality dom\u00e1c\u00edho vysok\u00e9ho \u0161kolstv\u00ed. V \u010cesku pova\u017euje tuzemsk\u00e9 univerzity za m\u00e9n\u011b kvalitn\u00ed ne\u017e ty zahrani\u010dn\u00ed jen t\u0159etina dot\u00e1zan\u00fdch, na Slovensku v\u0161ak t\u00e9m\u011b\u0159 sedm z deseti. \u201e<strong>Pr\u016fzkum potvrzuje, \u017ee v typick\u00e9m studentsk\u00e9m v\u011bku je v zahrani\u010d\u00ed t\u00e9m\u011b\u0159 trojn\u00e1sobn\u011b v\u00edce Slov\u00e1k\u016f ne\u017e \u010cech\u016f. Slovensko tak \u010del\u00ed dlouhodob\u011b kritizovan\u00e9mu odlivu mozk\u016f. Pokud vezmeme v \u00favahu, \u017ee p\u011btina dot\u00e1zan\u00fdch ve v\u011bku 16 a\u017e 19 let pl\u00e1nuje \u010di ji\u017e nav\u0161t\u011bvuje zahrani\u010dn\u00ed \u0161kolu, v\u00fdhledy do budoucna nejsou p\u0159\u00edli\u0161 p\u0159\u00edzniv\u00e9,\u201c<\/strong> upozor\u0148uje Ra\u0161ka.<\/p>\n\n\n\n<p>Podle odborn\u00edk\u016f z\u016fst\u00e1v\u00e1 vysoko\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed jednou z nejlep\u0161\u00edch osobn\u00edch i finan\u010dn\u00edch investic, kter\u00e9 m\u016f\u017ee mlad\u00fd \u010dlov\u011bk ud\u011blat. \u201eAbsolventi vysok\u00fdch \u0161kol maj\u00ed podle statistik vy\u0161\u0161\u00ed p\u0159\u00edjmy a ni\u017e\u0161\u00ed riziko nezam\u011bstnanosti. Jako u ka\u017ed\u00e9 jin\u00e9 investice je ale nutn\u00e9 po\u010d\u00edtat s t\u00edm, \u017ee n\u011bco stoj\u00ed na za\u010d\u00e1tku. Pen\u00edze, kter\u00e9 si rodina odlo\u017e\u00ed stranou, se j\u00ed v\u0161ak v budoucnu vr\u00e1t\u00ed,\u201c vysv\u011btluje Maria \u0160im\u016fnkov\u00e1, zakladatelka organizace Nekrachni, kter\u00e1 podporuje finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed generace Z.<\/p>\n\n\n\n<p>Studium v \u010cesku je sice dostupn\u00e9, ale rozhodn\u011b nen\u00ed zadarmo. N\u00e1klady se u student\u016f ve\u0159ejn\u00fdch vysok\u00fdch \u0161kol obvykle pohybuj\u00ed mezi osmi a patn\u00e1cti tis\u00edci korunami m\u011bs\u00ed\u010dn\u011b v z\u00e1vislosti na bydlen\u00ed, stravov\u00e1n\u00ed a doprav\u011b. \u201eVe\u0159ejn\u00e1 vysok\u00e1 \u0161kola vyjde v dne\u0161n\u00edch cen\u00e1ch minim\u00e1ln\u011b na zhruba 365 tis\u00edc korun p\u0159i p\u011btilet\u00e9m studiu, u\u017e po zohledn\u011bn\u00ed voln\u00fdch m\u011bs\u00edc\u016f b\u011bhem pr\u00e1zdnin. V\u00fddaje na studium v zahrani\u010d\u00ed jsou v\u00fdrazn\u011b vy\u0161\u0161\u00ed a mohou se pohybovat v des\u00edtk\u00e1ch tis\u00edc eur ro\u010dn\u011b. I v p\u0159\u00edpad\u011b neplacen\u00e9ho \u0161koln\u00e9ho v\u0161ak \u017eivotn\u00ed n\u00e1klady p\u0159esahuj\u00ed 25 tis\u00edc korun m\u011bs\u00ed\u010dn\u011b. Mlad\u00fd \u010dlov\u011bk se tak jen t\u011b\u017eko obejde bez pomoci rodi\u010d\u016f,\u201c \u0159\u00edk\u00e1 Ra\u0161ka.<\/p>\n\n\n\n<p>Z\u00e1rove\u0148 p\u0159ipom\u00edn\u00e1, \u017ee finan\u010dn\u00ed z\u00e1t\u011b\u017e se d\u00e1 zm\u00edrnit, pokud rodi\u010de za\u010dnou spo\u0159it v\u010das. Ide\u00e1ln\u00ed je podle n\u011bj odkl\u00e1dat pen\u00edze u\u017e od narozen\u00ed d\u00edt\u011bte, proto\u017ee efekt slo\u017een\u00e9ho \u00faro\u010den\u00ed dok\u00e1\u017ee z mal\u00fdch \u010d\u00e1stek vytvo\u0159it v\u00fdrazn\u00e9 \u00faspory. P\u0159i pr\u016fm\u011brn\u00e9m ro\u010dn\u00edm zhodnocen\u00ed 8,5 procenta sta\u010d\u00ed spo\u0159it n\u011bco p\u0159es sedm set korun m\u011bs\u00ed\u010dn\u011b po dobu osmn\u00e1cti let, aby se naspo\u0159ilo p\u0159ibli\u017en\u011b 365 tis\u00edc korun. Kdo za\u010dne a\u017e v deseti letech d\u00edt\u011bte, pot\u0159ebuje u\u017e kolem dvou tis\u00edc m\u011bs\u00ed\u010dn\u011b, a p\u0159i p\u011btilet\u00e9m horizontu dokonce skoro p\u011bt tis\u00edc.<\/p>\n\n\n\n<p>\u201e<strong>S klesaj\u00edc\u00edm investi\u010dn\u00edm horizontem pot\u0159ebn\u00e1 \u010d\u00e1stka prudce roste. Efekt slo\u017een\u00e9ho \u00faro\u010den\u00ed znamen\u00e1, \u017ee vyd\u011bl\u00e1vaj\u00ed nejen samotn\u00e9 vklady, ale i v\u00fdnosy z p\u0159edchoz\u00edch let. Bohu\u017eel podle Indexu investi\u010dn\u00ed gramotnosti tomuto principu rozum\u00ed jen 45 procent \u010cech\u016f,\u201c<\/strong> dopl\u0148uje Ra\u0161ka.<\/p>\n\n\n\n<p>Podle n\u011bj je investov\u00e1n\u00ed nejvhodn\u011bj\u0161\u00edm n\u00e1strojem pro dlouhodob\u00e9 zhodnocov\u00e1n\u00ed pen\u011bz. Mus\u00ed b\u00fdt ale pravideln\u00e9 a trp\u011bliv\u00e9.<strong> \u201eLid\u00e9 \u010dasto p\u0159i poklesu trh\u016f propadaj\u00ed panice a pen\u00edze vyb\u00edraj\u00ed, nebo naopak zbyte\u010dn\u011b riskuj\u00ed. Doporu\u010dujeme proto t\u011bm, kte\u0159\u00ed se v investov\u00e1n\u00ed neorientuj\u00ed, aby vyu\u017eili d\u011btsk\u00e9 investi\u010dn\u00ed \u00fa\u010dty. Ty investuj\u00ed do glob\u00e1ln\u00edch akciov\u00fdch index\u016f a dluhopis\u016f, \u010d\u00edm\u017e rozkl\u00e1daj\u00ed riziko. Po dosa\u017een\u00ed plnoletosti se pen\u00edze stanou majetkem d\u00edt\u011bte a to se samo rozhodne, jak s nimi nalo\u017e\u00ed. Je ale d\u016fle\u017eit\u00e9 d\u011bti v\u00e9st k finan\u010dn\u00ed odpov\u011bdnosti, aby naspo\u0159en\u00e9 prost\u0159edky vyu\u017eily rozumn\u011b, nap\u0159\u00edklad pr\u00e1v\u011b na studium nebo prvn\u00ed samostatn\u00e9 bydlen\u00ed,\u201c<\/strong> uzav\u00edr\u00e1 Ra\u0161ka.<\/p>\n\n\n\n<p>Zdroj: Portu<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mlad\u00ed \u010ce\u0161i pova\u017euj\u00ed tuzemsk\u00e9 vysok\u00e9 \u0161koly za stejn\u011b kvalitn\u00ed jako ty zahrani\u010dn\u00ed. Podle t\u00e9m\u011b\u0159 poloviny z nich je \u00farove\u0148 srovnateln\u00e1 a patn\u00e1ct procent student\u016f je dokonce hodnot\u00ed l\u00e9pe. Studium na vysok\u00e9 \u0161kole se v\u0161ak u mnoha mlad\u00fdch lid\u00ed neobejde bez finan\u010dn\u00ed podpory rodi\u010d\u016f nebo pravideln\u00e9ho p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed. Z\u00e1jem o vysoko\u0161kolsk\u00e9 vzd\u011bl\u00e1n\u00ed mezi mlad\u00fdmi \u010cechy [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":18620,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"categories":[28],"tags":[],"class_list":["post-20989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktualne-ze-skolstvi"],"acf":[],"_links":{"self":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/20989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20989"}],"version-history":[{"count":1,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/20989\/revisions"}],"predecessor-version":[{"id":20990,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/posts\/20989\/revisions\/20990"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=\/wp\/v2\/media\/18620"}],"wp:attachment":[{"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prahaskolska.200.solutions\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}