{"id":114,"date":"2018-08-29T17:23:11","date_gmt":"2018-08-29T15:23:11","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?page_id=114"},"modified":"2018-08-29T17:23:19","modified_gmt":"2018-08-29T15:23:19","slug":"podilove-fondy","status":"publish","type":"page","link":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/","title":{"rendered":"Co jsou to pod\u00edlov\u00e9 fondy?"},"content":{"rendered":"

My\u0161lenka \u201efond\u016f\u201c vznikla ve star\u00e9m \u0158ecku. \u0158ekov\u00e9 byli zn\u00e1m\u00ed mo\u0159eplavci. Vlastnictv\u00ed lod\u011b ale bylo velmi riskantn\u00ed, proto\u017ee se b\u011b\u017en\u011b stalo, \u017ee lo\u010f narazila na \u00fates nebo ztroskotala a nevr\u00e1tila se. Majitel t\u00edm p\u00e1dem p\u0159i\u0161el o v\u0161echno a zbankortoval.<\/p>\n

Vlastnit v\u00edce cel\u00fdch lod\u00ed bylo zase moc drah\u00e9. Proto se majitel\u00e9 lod\u00ed za\u010dali sdru\u017eovat do skupinky, m\u011bli men\u0161\u00ed pod\u00edly na v\u00edce lod\u00edch a kdy\u017e se jedna lo\u010f nevr\u00e1tila, nebyl to fat\u00e1ln\u00ed pr\u016f\u0161vih. Nap\u0159. skupina 10 majitel\u016f si koupila 10 lod\u00ed a ka\u017ed\u00fd m\u011bl 1\/10 ka\u017ed\u00e9 lodi. Kdy\u017e jedna lo\u010f ztroskotala, ka\u017ed\u00fd p\u0159i\u0161el pouze o 1\/10 sv\u00e9ho majetku a nevkl\u00e1dali tak v\u0161echno sv\u00e9 bohatstv\u00ed do jedn\u00e9 lodi.<\/p>\n

Podobn\u011b to je dnes v investi\u010dn\u00edch fondech. Lid\u00e9 (majitel\u00e9 lod\u00ed) daj\u00ed sv\u00e9 pen\u00edze dohromady a koup\u00ed si \u010d\u00e1st fondu. Fond (za pen\u00edze v\u0161ech lid\u00ed, kte\u0159\u00ed do n\u011bj vstiopili) kupuje (investuje) nap\u0159. akcie Apple, McDonalds a dal\u0161\u00edch firem (jednotliv\u00e9 lod\u011b). Lid\u00e9 tak prost\u0159ednictv\u00edm fondu spole\u010dn\u011b sd\u00edlej\u00ed zisky i p\u0159\u00edpadn\u00e9 ztr\u00e1ty z\u00a0investic. Nemus\u00ed tak s\u00e1zet v\u0161e na jednu investici (jednu lo\u010f) a proto jde o m\u00e9n\u011b riskantn\u00ed formu investov\u00e1n\u00ed.<\/p>\n

Pod\u00edlov\u00e9 fondy vs. ETF<\/h2>\n

Klienti fond\u016f maj\u00ed najat\u00e9ho \u010dlov\u011bka, kter\u00fd se o pen\u00edze ve fondu star\u00e1, vyb\u00edr\u00e1 kter\u00e9 akcie \u010di dluhopisy koupit a kter\u00e9 prodat. Ten je mana\u017eerem fondu a klienti mu za to plat\u00ed odm\u011bnu \u2013 poplatek.<\/p>\n

S\u00a0rozvojem modern\u00edch technologi\u00ed se za\u010dali nahrazovat mana\u017eeri po\u010d\u00edta\u010dem, kter\u00fd m\u00edsto aktivn\u00edho vyb\u011bru jednotliv\u00fdch akci\u00ed a dluhopis\u016f koup\u00edruje ur\u010dit\u00fd ve\u0159ejn\u00fd index \u2013 ko\u0161 akci\u00ed. Takov\u00fdm fond\u016f se \u0159\u00edk\u00e1 indexov\u00e9 fondy nebo ETF (exchange traded funds).<\/p>\n

Proto jsou fondy z pohledu poplatk\u016f dra\u017e\u0161\u00ed ne\u017e ETF, mus\u00ed zaplatit portfolio mana\u017eera a analytiky, kte\u0159\u00ed rozhoduj\u00ed, kolik pen\u011bz bude investov\u00e1no do t\u00e9 kter\u00e9 akcie nebo dluhopisu. Po\u010d\u00edta\u010de v\u00a0p\u0159\u00edpad\u011b ETF sice aktivn\u011b nevyhled\u00e1vaj\u00ed jednotliv\u00e9 akcie a pouze kop\u00edruj\u00ed n\u011bjak\u00fd index, ale d\u011blaj\u00ed to za zlomek platu mana\u017eera a analytick\u00e9ho t\u00fdmu.<\/p>\n

Kdy je vhodn\u00e9 je vyu\u017e\u00edt a jak?<\/h2>\n

Fondy a ETF je obecn\u011b dobr\u00e9 vyu\u017e\u00edvat ve chv\u00edli, kdy chcete aby se pen\u00edze zhodnocovaly a pracovaly na kapit\u00e1lov\u00e9m trhu, ale nechcete t\u00e9to \u010dinosti v\u011bnovat p\u0159\u00edli\u0161 mnoho \u010dasu a energie.<\/p>\n

Vzhledem k\u00a0tomu, \u017ee na\u0161e investi\u010dn\u00ed strategie je postavena na principech Wealth Protection, mj. tedy investov\u00e1n\u00ed do nejv\u011bt\u0161\u00edch firem sv\u011bta neboli blue chips akci\u00ed, kter\u00e9 maj\u00ed d\u00edky sv\u00e9 velikost velk\u00e9 zastoupen\u00ed v\u00a0hlavn\u00edch akciov\u00fdch indexech, vyu\u017e\u00edv\u00e1me pro tyto akciov\u00e9 investice ETF.<\/p>\n

Pro speci\u00e1ln\u00ed strategie nap\u0159. s\u00a0v\u00fdplatou vysok\u00e9 dividendy nebo pokud se chceme dostat na ur\u010dit\u00fd specifick\u00fd trh, kde se m\u00edstn\u00ed znalosti a zku\u0161enosti mana\u017eera velmi hod\u00ed, pou\u017e\u00edv\u00e1me speci\u00e1ln\u00ed pod\u00edlov\u00e9 fondy.<\/p>\n","protected":false},"excerpt":{"rendered":"

My\u0161lenka \u201efond\u016f\u201c vznikla ve star\u00e9m \u0158ecku. \u0158ekov\u00e9 byli zn\u00e1m\u00ed mo\u0159eplavci. Vlastnictv\u00ed lod\u011b ale bylo velmi riskantn\u00ed, proto\u017ee se b\u011b\u017en\u011b stalo, \u017ee lo\u010f narazila na \u00fates nebo ztroskotala a nevr\u00e1tila se. Majitel t\u00edm p\u00e1dem p\u0159i\u0161el o v\u0161echno a zbankortoval. Vlastnit v\u00edce cel\u00fdch lod\u00ed bylo zase moc drah\u00e9. Proto se majitel\u00e9 lod\u00ed za\u010dali sdru\u017eovat do skupinky, m\u011bli […]<\/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":"\nCo jsou to pod\u00edlov\u00e9 fondy? - InvestGuru.cz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co jsou to pod\u00edlov\u00e9 fondy? - InvestGuru.cz\" \/>\n<meta property=\"og:description\" content=\"My\u0161lenka \u201efond\u016f\u201c vznikla ve star\u00e9m \u0158ecku. \u0158ekov\u00e9 byli zn\u00e1m\u00ed mo\u0159eplavci. Vlastnictv\u00ed lod\u011b ale bylo velmi riskantn\u00ed, proto\u017ee se b\u011b\u017en\u011b stalo, \u017ee lo\u010f narazila na \u00fates nebo ztroskotala a nevr\u00e1tila se. Majitel t\u00edm p\u00e1dem p\u0159i\u0161el o v\u0161echno a zbankortoval. Vlastnit v\u00edce cel\u00fdch lod\u00ed bylo zase moc drah\u00e9. Proto se majitel\u00e9 lod\u00ed za\u010dali sdru\u017eovat do skupinky, m\u011bli […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGuru.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/\" \/>\n<meta property=\"article:modified_time\" content=\"2018-08-29T15:23:19+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minuty\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/\",\"name\":\"Co jsou to pod\u00edlov\u00e9 fondy? - InvestGuru.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#website\"},\"datePublished\":\"2018-08-29T15:23:11+00:00\",\"dateModified\":\"2018-08-29T15:23:19+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\/\/www.investguru.cz\/cs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Investi\u010dn\u00ed slovn\u00ed\u010dek\",\"item\":\"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Co jsou to pod\u00edlov\u00e9 fondy?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#website\",\"url\":\"https:\/\/www.investguru.cz\/cs\/\",\"name\":\"InvestGuru.cz\",\"description\":\"Vzd\u011bl\u00e1n\u00ed pro budouc\u00ed renti\u00e9r\u016f na cest\u011b k finan\u010dn\u00ed svobod\u011b\",\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.investguru.cz\/cs\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\",\"name\":\"InvestGuru\",\"url\":\"https:\/\/www.investguru.cz\/cs\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png\",\"contentUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png\",\"width\":600,\"height\":160,\"caption\":\"InvestGuru\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/\",\"https:\/\/www.linkedin.com\/company\/fichtner-s-r-o-\/\",\"https:\/\/www.youtube.com\/channel\/UCPT7GD3SrdsxmnD-sPuV3WA\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Co jsou to pod\u00edlov\u00e9 fondy? - InvestGuru.cz","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/","og_locale":"cs_CZ","og_type":"article","og_title":"Co jsou to pod\u00edlov\u00e9 fondy? - InvestGuru.cz","og_description":"My\u0161lenka \u201efond\u016f\u201c vznikla ve star\u00e9m \u0158ecku. \u0158ekov\u00e9 byli zn\u00e1m\u00ed mo\u0159eplavci. Vlastnictv\u00ed lod\u011b ale bylo velmi riskantn\u00ed, proto\u017ee se b\u011b\u017en\u011b stalo, \u017ee lo\u010f narazila na \u00fates nebo ztroskotala a nevr\u00e1tila se. Majitel t\u00edm p\u00e1dem p\u0159i\u0161el o v\u0161echno a zbankortoval. Vlastnit v\u00edce cel\u00fdch lod\u00ed bylo zase moc drah\u00e9. Proto se majitel\u00e9 lod\u00ed za\u010dali sdru\u017eovat do skupinky, m\u011bli […]","og_url":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/","og_site_name":"InvestGuru.cz","article_publisher":"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/","article_modified_time":"2018-08-29T15:23:19+00:00","twitter_card":"summary_large_image","twitter_misc":{"Odhadovan\u00e1 doba \u010dten\u00ed":"3 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/","url":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/","name":"Co jsou to pod\u00edlov\u00e9 fondy? - InvestGuru.cz","isPartOf":{"@id":"https:\/\/www.investguru.cz\/cs\/#website"},"datePublished":"2018-08-29T15:23:11+00:00","dateModified":"2018-08-29T15:23:19+00:00","breadcrumb":{"@id":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/podilove-fondy\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.investguru.cz\/cs\/"},{"@type":"ListItem","position":2,"name":"Investi\u010dn\u00ed slovn\u00ed\u010dek","item":"https:\/\/www.investguru.cz\/cs\/investicni-slovnicek\/"},{"@type":"ListItem","position":3,"name":"Co jsou to pod\u00edlov\u00e9 fondy?"}]},{"@type":"WebSite","@id":"https:\/\/www.investguru.cz\/cs\/#website","url":"https:\/\/www.investguru.cz\/cs\/","name":"InvestGuru.cz","description":"Vzd\u011bl\u00e1n\u00ed pro budouc\u00ed renti\u00e9r\u016f na cest\u011b k finan\u010dn\u00ed svobod\u011b","publisher":{"@id":"https:\/\/www.investguru.cz\/cs\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.investguru.cz\/cs\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.investguru.cz\/cs\/#organization","name":"InvestGuru","url":"https:\/\/www.investguru.cz\/cs\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/","url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png","contentUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png","width":600,"height":160,"caption":"InvestGuru"},"image":{"@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/","https:\/\/www.linkedin.com\/company\/fichtner-s-r-o-\/","https:\/\/www.youtube.com\/channel\/UCPT7GD3SrdsxmnD-sPuV3WA"]}]}},"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/pages\/114"}],"collection":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=114"}],"version-history":[{"count":1,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/pages\/114\/revisions"}],"predecessor-version":[{"id":115,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/pages\/114\/revisions\/115"}],"up":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/pages\/104"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}