Pro\u010d si klienti berou hypot\u00e9\u010dn\u00ed \u00fav\u011br? Proto\u017ee si cht\u011bj\u00ed koupit d\u016fm, na kter\u00fd aktu\u00e1ln\u011b nemaj\u00ed dost pen\u011bz a tak si tyto pen\u00edze p\u016fj\u010d\u00ed od banky. Pen\u00edze j\u00ed za n\u011bjak\u00fd \u010das vr\u00e1t\u00ed a zaplat\u00ed j\u00ed za to pen\u00edze nav\u00edc \u2013 tzv. \u00farok.<\/p>\n
Do stejn\u00e9 situace se m\u016f\u017ee dostat i firma nebo st\u00e1t. Nem\u00e1 aktu\u00e1ln\u011b dost pen\u011bz a proto si je p\u016fj\u010d\u00ed. A p\u016fj\u010dit jim je m\u016f\u017eete vy. Koup\u00edte si dluhopis takov\u00e9 firmy nebo st\u00e1tu, t\u00edm p\u016fj\u010d\u00edte sv\u00e9 pen\u00edze. A stejn\u011b jako klienti, kte\u0159\u00ed plat\u00ed \u00farok z\u00a0hypot\u00e9\u010dn\u00edho \u00fav\u011bru, tak i firmy a st\u00e1ty V\u00e1m plat\u00ed \u00faroky za to, \u017ee jim pen\u00edze p\u016fj\u010d\u00edte. To je Va\u0161e odm\u011bna.<\/p>\n
Rizikem pro V\u00e1s jako investora (toho, kdo firm\u011b p\u016fj\u010d\u00ed sv\u00e9 pen\u00edze) ale je, pokud se dan\u00e1 firma dostane do probl\u00e9mu a nebude schopna V\u00e1m pen\u00edze vr\u00e1tit.<\/p>\n
V\u00a0p\u0159\u00edkladu s\u00a0hypot\u00e9\u010dn\u00edm \u00fav\u011brem se takov\u00e9mu riziku typick\u00e1 banka br\u00e1n\u00ed tak, \u017ee m\u00e1 stovky tis\u00edc a\u017e miliony klient\u016f, kte\u0159\u00ed si od n\u00ed vezmou hypot\u00e9\u010dn\u00ed \u00fav\u011br \u2013 p\u016fj\u010d\u00ed si od n\u00ed pen\u00edze. Proto banku neohro\u017euje, pokud nap\u0159. n\u011bjak\u00fd klient ztrat\u00ed pr\u00e1ci a p\u0159estane spl\u00e1cet. Diverzifikuje \u2013 p\u016fj\u010duje spust\u011b r\u016fzn\u00fdch klient\u016f.<\/p>\n
I vy se m\u016f\u017eete br\u00e1nit tomu, \u017ee konkr\u00e9tn\u00ed firma nebo st\u00e1t, kter\u00e9 jste p\u016fj\u010dili pen\u00edze, se dostane do probl\u00e9m\u016f a nebdue schopna V\u00e1m pen\u00edze vr\u00e1tit. M\u016f\u017eete investovat do dluhopisov\u00e9ho fondu, kter\u00fd nakupuje nap\u0159. 500 r\u016fzn\u00fdch dluhopis\u016f jednotliv\u00fdch st\u00e1t\u016f a firem. Kdy\u017e se nap\u0159. 10 z\u00a0t\u011bchto dlu\u017en\u00edk\u016f dostane do probl\u00e9m\u016f, neohroz\u00ed V\u00e1s to tolik, proto\u017ee zb\u00fdl\u00fdch 490 dlu\u017en\u00edk\u016f V\u00e1m pravideln\u011b plat\u00ed \u00faroky za to, \u017ee jste jim p\u016fj\u010dili pen\u00edze.<\/p>\n
Jak vysok\u00fd \u00farok od st\u00e1tu nebo firmy dostanete z\u00e1le\u017e\u00ed na tom, jak velk\u00e1 je pravd\u011bpodobnost, \u017ee nebude schopna pen\u00edze vr\u00e1tit zp\u011bt. Pokud nap\u0159\u00edklad p\u016fj\u010dujete firm\u011b ve finan\u010dn\u00edch probl\u00e9mech, je riziko nesplacen\u00ed p\u016fj\u010dky v\u011bt\u0161\u00ed a vy m\u016f\u017eete o\u010dek\u00e1v\u00e1vat vy\u0161\u0161\u00ed \u00farok. Oproti tomu kdy\u017e nap\u0159\u00edklad p\u016fj\u010d\u00edte N\u011bm\u011bcku, \u0160v\u00fdcarsku nebo USA, je pravd\u011bpodobnost nesplacen\u00ed men\u0161\u00ed, ale vy tak\u00e9 mus\u00edte p\u010dek\u00e1vat ni\u017e\u0161\u00ed \u00farok.<\/p>\n","protected":false},"excerpt":{"rendered":"
Pro\u010d si klienti berou hypot\u00e9\u010dn\u00ed \u00fav\u011br? Proto\u017ee si cht\u011bj\u00ed koupit d\u016fm, na kter\u00fd aktu\u00e1ln\u011b nemaj\u00ed dost pen\u011bz a tak si tyto pen\u00edze p\u016fj\u010d\u00ed od banky. Pen\u00edze j\u00ed za n\u011bjak\u00fd \u010das vr\u00e1t\u00ed a zaplat\u00ed j\u00ed za to pen\u00edze nav\u00edc \u2013 tzv. \u00farok. Do stejn\u00e9 situace se m\u016f\u017ee dostat i firma nebo st\u00e1t. Nem\u00e1 aktu\u00e1ln\u011b dost pen\u011bz […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":104,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"yoast_head":"\n