{"id":1005,"date":"2020-05-14T18:12:42","date_gmt":"2020-05-14T16:12:42","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1005"},"modified":"2020-05-14T18:12:42","modified_gmt":"2020-05-14T16:12:42","slug":"riziko-bezpecne-investice","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/riziko-bezpecne-investice\/","title":{"rendered":"D\u016fle\u017eit\u00e1 v\u011bc, na kterou lid\u00e9 ve sv\u00fdch \u201ebezpe\u010dn\u00fdch\u201d investic\u00edch \u010dasto zapom\u00ednaj\u00ed"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/zc2YALphlEg?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/p>\n<h2>P\u0159epis videa<\/h2>\n<p>\u0158ada lid\u00ed se p\u0159i investov\u00e1n\u00ed \u0159\u00edd\u00ed minul\u00fdmi v\u00fdnosy. Nebo investuj\u00ed do toho, co se jim l\u00edb\u00ed. Nebo do toho, co jim n\u011bkdo \u00fasp\u011b\u0161n\u011b prodal.<\/p>\n<p>Ale na jednu d\u016fle\u017eitou v\u011bc \u010dasto zapom\u00ednaj\u00ed.<\/p>\n<p>Moje jm\u00e9no je Tom\u00e1\u0161 Tyl. Jsem senior analytik ve spole\u010dnosti Fichtner s.r.o. a na finan\u010dn\u00edch trz\u00edch se pohybuji od roku 2002. A po\u0159\u00e1d se setk\u00e1v\u00e1m s t\u00edm, \u017ee lid\u00e9 tuhle v\u011bc opakovan\u011b podce\u0148uj\u00ed nebo j\u00ed nerozum\u00ed.<\/p>\n<p>Tuhle d\u016fle\u017eitou v\u011bc si uk\u00e1\u017eeme na t\u0159ech, zd\u00e1nliv\u011b nesouvisej\u00edc\u00edch p\u0159\u00edkladech.<\/p>\n<ol>\n<li>Korpor\u00e1tn\u00edch dluhopisech spole\u010dnosti ZOOT<\/li>\n<li>N\u011bmeck\u00fdch vl\u00e1dn\u00edch dluhopisech<\/li>\n<li>A spo\u0159\u00edc\u00edch \u00fa\u010dtech v \u010cech\u00e1ch<\/li>\n<\/ol>\n<h2>1. Firemn\u00ed dluhopisy spole\u010dnosti ZOOT<\/h2>\n<p>Spole\u010dnost ZOOT\u00a0vydala dluhopisy.\u00a0Lid\u00e9 si je kupovali.<\/p>\n<p>V jednu chv\u00edli do\u0161lo k tomu, \u017ee se spole\u010dnosti p\u0159estalo da\u0159it a uk\u00e1zalo se, \u017ee svoje dluhopisy nedok\u00e1\u017ee spl\u00e1cet.\u00a0 A v\u011b\u0159itel\u00e9 nyn\u00ed o\u010dek\u00e1vaj\u00ed,\u00a0kolik z ka\u017ed\u00e9ho dluhopisu dostanou zp\u00e1tky.<\/p>\n<p>Ze za\u010d\u00e1tku se zd\u00e1la takov\u00e1 investice vlastn\u011b celkem jist\u00e1. Jej\u00ed hodnota nijak nekol\u00edsala.\u00a0Koup\u00edte si dluhopis a o\u010dek\u00e1v\u00e1te, a\u017e v\u00e1m ho ten emitent, ten vydavatel splat\u00ed.\u00a0Jeho cena, kdy\u017e se neobchoduje na trhu, je po\u0159\u00e1d stejn\u00e1.\u00a0V\u00e1m se zd\u00e1, \u017ee m\u00e1te vlastn\u011b velmi jist\u00fd v\u00fdnos.<\/p>\n<p>A\u017e do toho okam\u017eiku, kter\u00fd nemus\u00ed nastat, ale p\u0159\u00edpad\u011b ZOOT nastal. Kdy ta spole\u010dnost najednou nen\u00ed schopn\u00e1 spl\u00e1cet.\u00a0Uk\u00e1\u017ee se, \u017ee hodnota va\u0161ich dluhopis\u016f je podstatn\u011b ni\u017e\u0161\u00ed,\u00a0ne\u017e jste si ze za\u010d\u00e1tku mysleli.<\/p>\n<p>Osobn\u011b nikoho, kdo by investoval do dluhopis\u016f spole\u010dnosti ZOOT, nezn\u00e1m.\u00a0Ale v\u00edm, \u017ee \u0159ada lid\u00ed zde nakupovala.\u00a0A \u0159ada lid\u00ed d\u00edky tomu, \u017ee tu zna\u010dku znala\u00a0a m\u011bla ji r\u00e1da, brala ty dluhopisy\u00a0jako bezpe\u010dn\u00e9. L\u00edbili se jim,\u00a0proto do nich investovali.\u00a0A dluhopisy\u00a0se zdaj\u00ed jako velmi bezpe\u010dn\u00e1 investice.<\/p>\n<h2>2. Bezpe\u010dn\u00e9 n\u011bmeck\u00e9 vl\u00e1dn\u00ed dluhopisy<\/h2>\n<p>Desetilet\u00fd n\u011bmeck\u00fd vl\u00e1dn\u00ed dluhopis p\u0159in\u00e1\u0161\u00ed v\u00fdnos m\u00ednus 0,58 % .<\/p>\n<p>To znamen\u00e1, kdy\u017e na 10 let\u00a0sv\u011b\u0159\u00edte pen\u00edze n\u011bmeck\u00e9mu st\u00e1tu,\u00a0tak za to zaplat\u00edte.\u00a0Ka\u017ed\u00fd rok 0,58 %.<\/p>\n<p>I kdy\u017e jsou vl\u00e1dn\u00ed dluhopisy N\u011bmecka br\u00e1ny\u00a0jako velmi bezpe\u010dn\u00e9,\u00a0Vy m\u00e1te velkou jistotu,\u00a0\u017ee kdy\u017e ten dluhopis budete\u00a0dr\u017eet do splatnosti, 10 let,\u00a0p\u0159ijdete o pen\u00edze.<\/p>\n<p>Pr\u00e1v\u011b bezpe\u010d\u00ed\u00a0a to, \u017ee N\u011bmecko je br\u00e1no jako zem\u011b, kter\u00e1 je velmi dob\u0159e schopn\u00e1\u00a0svoje dluhopisy spl\u00e1cet, je d\u016fvod,\u00a0pro\u010d pen\u00edze pr\u00e1v\u011b do t\u011bchto dluhopis\u016f\u00a0sm\u011b\u0159uj\u00ed a pro\u010d se jejich v\u00fdnosy\u00a0dostaly a\u017e do z\u00e1poru.<\/p>\n<p>\u0158ada lid\u00ed, ne p\u0159\u00edmo v \u010cR, ale v EU, do t\u011bch dluhopis\u016f investuje. I kdy\u017e o tom p\u0159\u00edmo nev\u00ed. Proto\u017ee ty dluhopisy maj\u00ed penzijn\u00ed fondy. Maj\u00ed je poji\u0161\u0165ovny. Maj\u00ed je dluhopisov\u00e9 fondy.\u00a0\u00a0Investuj\u00ed do nich,\u00a0proto\u017ee vl\u00e1dn\u00ed dluhopisy\u00a0p\u0159ece p\u0159in\u00e1\u0161ej\u00ed bezpe\u010dn\u00fd v\u00fdnos.<\/p>\n<h2>3. Obl\u00edben\u00e9 spo\u0159\u00edc\u00ed \u00fa\u010dty<\/h2>\n<p>T\u0159et\u00ed p\u0159\u00edklad, kter\u00fd jsem uv\u00e1d\u011bl,\u00a0jsou spo\u0159\u00edc\u00ed \u00fa\u010dty.<\/p>\n<p>Spo\u0159\u00edc\u00ed \u00fa\u010dty jsou u n\u00e1s velmi obl\u00edben\u00e9, proto\u017ee na nich\u00a0nedoch\u00e1z\u00ed k \u017e\u00e1dn\u00e9mu kol\u00eds\u00e1n\u00ed.\u00a0Dost\u00e1v\u00e1te p\u0159ipsan\u00fd \u00farok.<\/p>\n<p>Je to t\u00e9ma, kter\u00e9 je velmi obl\u00edben\u00e9\u00a0na \u0159ad\u011b diskuz\u00ed o osobn\u00edch financ\u00edch.\u00a0Nejv\u00edce se v\u017edycky \u0159e\u0161\u00ed,\u00a0kter\u00fd spo\u0159\u00edc\u00ed \u00fa\u010det p\u0159in\u00e1\u0161\u00ed aktu\u00e1ln\u011b nejv\u00edc.\u00a0Jestli se lid\u00e9 maj\u00ed p\u0159esunout\u00a0z banky A do banky B.<\/p>\n<p>Spo\u0159\u00edc\u00ed \u00fa\u010dty v minul\u00e9m roce p\u0159in\u00e1\u0161ely\u00a0v\u00fdnosy, ty lep\u0161\u00ed, n\u011bkde mezi 1-2 %.<\/p>\n<p>Ale z\u00e1rove\u0148 inflace byla p\u0159es 3 %.\u00a0Co to znamen\u00e1?\u00a0Investo\u0159i sice bezpe\u010dn\u011b investovali, ale p\u0159ich\u00e1zeli o pen\u00edze.\u00a0Re\u00e1ln\u011b se hodnota jejich pen\u011bz ztr\u00e1cela.\u00a0Re\u00e1ln\u011b p\u0159ich\u00e1zeli o pen\u00edze.<\/p>\n<p>A pokud dlouhodob\u011b\u00a0budou m\u00edt pen\u00edze na spo\u0159\u00edc\u00edch \u00fa\u010dtech\u00a0a inflace bude v\u00fdnosy\u00a0spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f p\u0159evy\u0161ovat,\u00a0op\u011bt sice bezpe\u010dn\u00fdm zp\u016fsobem,\u00a0ale budou p\u0159ich\u00e1zet o pen\u00edze.<\/p>\n<p>J\u00e1 s\u00e1m spo\u0159\u00edc\u00ed \u00fa\u010det nem\u00e1m. M\u011b toti\u017e nebav\u00ed hledat, kter\u00e1 banka m\u00e1 moment\u00e1ln\u011b nejvy\u0161\u0161\u00ed v\u00fdnos a podle toho n\u011bkam p\u0159eskakovat. Tak\u017ee jsem se rozhodl to ne\u0159e\u0161it.\u00a0\u00a0Nezd\u00e1 se mi to \u00fapln\u011b relevantn\u00ed\u00a0z dlouhodob\u00e9ho hlediska.<\/p>\n<p>Ale pro \u0159adu lid\u00ed je to d\u016fle\u017eit\u00e9.\u00a0Pr\u00e1v\u011b proto, \u017ee ten v\u00fdnos\u00a0si m\u016f\u017eou snadno ov\u011b\u0159it.\u00a0V\u011bd\u00ed kolik bude.\u00a0A proto m\u016f\u017eou p\u0159eskakovat\u00a0z jednoho spo\u0159\u00edc\u00edho \u00fa\u010dtu na druh\u00fd.\u00a0Nebo m\u00edt prost\u011b n\u011bkde pen\u00edze ulo\u017een\u00e9.<\/p>\n<h2>Co spojuje v\u0161echny tyto 3 p\u0159\u00edklady?<\/h2>\n<p>Jsou to v\u00fdnosy?\u00a0To ne.<\/p>\n<p>Nebo obl\u00edbenost?\u00a0Mo\u017en\u00e1 \u010d\u00e1ste\u010dn\u011b.<\/p>\n<p>Nebo to, \u017ee to lidem n\u011bkdo prodal?\u00a0To asi tak\u00e9 trochu.<\/p>\n<p>Ale to nejd\u016fle\u017eit\u011bj\u0161\u00ed je n\u011bco jin\u00e9ho.<\/p>\n<p>To, co v\u0161echny ty p\u0159\u00edklady spojuje, je <strong>zd\u00e1nliv\u00e9 bezpe\u010d\u00ed<\/strong>.<\/p>\n<p>Do t\u011bch investic lid\u00e9 vstupuj\u00ed proto,\u00a0\u017ee maj\u00ed pocit, \u017ee jsou bezpe\u010dn\u00e9. \u017de u nich nehroz\u00ed riziko.<\/p>\n<p>Ten d\u016fvod je mimo jin\u00e9 i ten, \u017ee <strong>lid\u00e9 riziko vn\u00edmaj\u00ed \u010dasto jako kol\u00eds\u00e1n\u00ed<\/strong>.<\/p>\n<p>Dokonce kdy\u017e se pod\u00edv\u00e1te t\u0159eba\u00a0na hodnocen\u00ed fond\u016f\u00a0z hlediska rizika,\u00a0tak se hodnot\u00ed jejich rizikovost\u00a0podle jejich m\u00edry m\u011bs\u00ed\u010dn\u00ed kol\u00edsavosti\u00a0za posledn\u00ed 3 roky.<\/p>\n<p>A kdy\u017e se podobnou optikou\u00a0pod\u00edv\u00e1me na dluhopisy ZOOTu,\u00a0jejich\u017e cena se nijak nem\u011bnila,\u00a0tak se n\u00e1m zd\u00e1 ZOOT super bezpe\u010dn\u00fd.\u00a0Proto\u017ee nekol\u00eds\u00e1.<\/p>\n<p><strong>Akor\u00e1t \u017ee to tak nebylo.<\/strong><\/p>\n<p>Proto\u017ee to nebezpe\u010d\u00ed\u00a0nespo\u010d\u00edv\u00e1 jen v kol\u00eds\u00e1n\u00ed,\u00a0ale v n\u011b\u010dem \u00fapln\u011b jin\u00e9m.<\/p>\n<p>Podobn\u011b n\u011bmeck\u00e9 vl\u00e1dn\u00ed dluhopisy.<\/p>\n<p>Dluhopisy jsou br\u00e1ny jako\u00a0bezpe\u010dn\u00e9 aktivum,\u00a0kter\u00e9 velmi m\u00e1lo kol\u00eds\u00e1.\u00a0A p\u0159itom v\u00edte, \u017ee na nich\u00a0vlastn\u011b prod\u011bl\u00e1te.\u00a0M\u00e1te sice vysokou m\u00edru bezpe\u010d\u00ed, ale na druhou stranu, co je to za bezpe\u010d\u00ed,\u00a0kdy\u017e na konci budu m\u00edt m\u00e9n\u011b pen\u011bz.<\/p>\n<p>Spo\u0159\u00edc\u00ed \u00fa\u010dty nekol\u00edsaj\u00ed v\u016fbec.\u00a0Nav\u00edc jsou poji\u0161t\u011bn\u00e9.\u00a0Tak\u017ee je tam velk\u00e1 m\u00edra bezpe\u010d\u00ed.\u00a0A kol\u00eds\u00e1n\u00ed tam nen\u00ed \u017e\u00e1dn\u00e9.\u00a0P\u0159esto, kdy\u017e je vysok\u00e1 inflace\u00a0op\u011bt m\u00e1te vysokou m\u00edru jistoty,\u00a0\u017ee prod\u011bl\u00e1te.\u00a0Riskujete i kdy\u017e se v\u00e1m zd\u00e1,\u00a0\u017ee m\u00e1te bezpe\u010dnou investici.<\/p>\n<h2>Nezam\u011b\u0148ujte slep\u011b riziko za volatilitu<\/h2>\n<p>V investi\u010dn\u00edm sv\u011bt\u011b se toti\u017e\u00a0riziko a nebezpe\u010d\u00ed\u00a0\u010dasto zam\u011b\u0148uje za volatilitu.\u00a0Kol\u00edsavost v\u00fdnos\u016f za minul\u00e9 obdob\u00ed.<\/p>\n<p>Tu chybu, kterou lid\u00e9 d\u011blaj\u00ed je,\u00a0\u017ee to zam\u011b\u0148uj\u00ed.\u00a0\u017de zam\u011b\u0148uj\u00ed riziko za volatilitu.\u00a0Za kol\u00edsavost.<\/p>\n<p>Dokonce je to ofici\u00e1ln\u00ed.<\/p>\n<p>Proto\u017ee kdy\u017e se pod\u00edv\u00e1te na m\u011b\u0159en\u00ed\u00a0rizikovosti pod\u00edlov\u00fdch fond\u016f,\u00a0tak ta rizikovost\u00a0vych\u00e1z\u00ed pr\u00e1v\u011b z volatility.\u00a0Pr\u00e1v\u011b z toho, jak fondy kol\u00edsaj\u00ed.\u00a0Ale ne z toho co je skute\u010dn\u011b d\u016fle\u017eit\u00e9.<\/p>\n<h2>Co je tedy skute\u010dn\u011b riziko?<\/h2>\n<p><strong>Riziko je, \u017ee se v\u00e1m nepoda\u0159\u00ed\u00a0dos\u00e1hnout va\u0161ich investi\u010dn\u00edch c\u00edl\u016f.\u00a0<\/strong><\/p>\n<p>Finan\u010dn\u00ed c\u00edle si m\u016f\u017eete p\u0159edstavit jako n\u011bco, co si chcete\u00a0z t\u011bch pen\u011bz koupit.\u00a0M\u016f\u017ee to b\u00fdt t\u0159eba auto,\u00a0kter\u00e9 si chcete koupit za rok.\u00a0Nebo nemovitost, na kterou pot\u0159ebujete\u00a0n\u011bjakou \u010d\u00e1stku za 5 let.<\/p>\n<p>A nebo t\u0159eba finan\u010dn\u00ed nez\u00e1vislost. To znamen\u00e1, \u017ee za 10, 15, 20 let\u00a0si budete z pen\u011bz cht\u00edt vyb\u00edrat rentu,\u00a0kter\u00e1 v\u00e1s dostate\u010dn\u011b zajist\u00ed.\u00a0Co\u017e b\u00fdv\u00e1 v\u011bt\u0161inou nejv\u011bt\u0161\u00ed c\u00edl\u00a0na\u0161ich klient\u016f.<\/p>\n<h3>Kr\u00e1tkodob\u00e9 finan\u010dn\u00ed c\u00edle<\/h3>\n<p>Je mo\u017en\u00e9, \u017ee m\u00e1te kr\u00e1tk\u00fd finan\u010dn\u00ed c\u00edl.\u00a0Za rok, za dva.\u00a0A pak t\u0159eba spo\u0159\u00edc\u00ed \u00fa\u010det je to jedin\u00e9,\u00a0co je skute\u010dn\u011b pro v\u00e1s bezpe\u010dn\u00e9.<\/p>\n<p>Proto\u017ee na kr\u00e1tk\u00e9m horizontu\u00a0n\u011bjak\u00e9 kol\u00eds\u00e1n\u00ed\u00a0m\u016f\u017ee b\u00fdt skute\u010dn\u011b velmi nebezpe\u010dn\u00e9.<\/p>\n<p>M\u016f\u017ee se v\u00e1m st\u00e1t \u017ee investice,\u00a0kter\u00e1 dok\u00e1\u017ee hodn\u011b kol\u00edsat\u00a0bude zrovna dole,\u00a0kdy\u017e vy budete pot\u0159ebovat ten c\u00edl zaplatit.<\/p>\n<p>A pak v\u00e1m nevad\u00ed, \u017ee na spo\u0159\u00edc\u00edm \u00fa\u010dtu holt\u00a0p\u0159ich\u00e1z\u00edte d\u00edky inflaci\u00a0o n\u011bjak\u00e9 pen\u00edze re\u00e1ln\u011b.\u00a0To v\u00e1s prost\u011b netr\u00e1p\u00ed.<\/p>\n<p>Je to mnohem d\u016fle\u017eit\u011bj\u0161\u00ed,\u00a0ne\u017e kol\u00eds\u00e1n\u00ed.<\/p>\n<h3>Dlouhodob\u00e9 finan\u010dn\u00ed c\u00edle<\/h3>\n<p>Pokud m\u00e1m v\u0161ak dlouhodob\u00e9 c\u00edle,\u00a0jako nap\u0159\u00edklad finan\u010dn\u00ed nez\u00e1vislost,\u00a0kdy v\u00edm, \u017ee ten c\u00edl je za 15, 20 let, a pak cel\u00fd zbytek \u017eivota\u00a0budu m\u00edt zainvestov\u00e1no a vyb\u00edrat rentu.\u00a0A v\u00edm, \u017ee je p\u0159ede mnou\u00a0skute\u010dn\u011b dlouhodob\u00fd horizont,\u00a0pak m\u011b n\u011bjak\u00e9 kr\u00e1tkodob\u00e9 kol\u00eds\u00e1n\u00ed\u00a0v\u016fbec netr\u00e1p\u00ed.<\/p>\n<p>V takovou chv\u00edli je d\u016fle\u017eit\u00e9\u00a0\u00fapln\u011b n\u011bco jin\u00e9ho.<\/p>\n<p>V prv\u00e9 \u0159ad\u011b je d\u016fle\u017eit\u00e9,\u00a0aby ta investice v\u016fbec takovou dobu p\u0159e\u017eila.\u00a0Aby nezkrachovala.\u00a0Aby nebylo velk\u00e9 riziko,\u00a0\u017ee v n\u00ed p\u0159ijdu o velkou \u010d\u00e1st pen\u011bz.<\/p>\n<p>I kdy\u017e nekol\u00eds\u00e1.\u00a0A najednou to buchne.\u00a0Jako t\u0159eba dluhopisy ZOOT.<\/p>\n<p>A nebo tak\u00e9 abych dok\u00e1zal\u00a0p\u0159ekon\u00e1vat inflaci,\u00a0proto\u017ee na dlouh\u00e9m horizontu\u00a0je pr\u00e1v\u011b inflace\u00a0to nejv\u011bt\u0161\u00ed nebezpe\u010d\u00ed.<\/p>\n<p>A pak mi spo\u0159\u00edc\u00ed \u00fa\u010dty\u00a0nebo vl\u00e1dn\u00ed dluhopisy n\u011bmeck\u00e9,\u00a0kter\u00e9 prod\u011bl\u00e1vaj\u00ed,\u00a0v\u016fbec nemohou pomoct.<\/p>\n<p>I kdy\u017e mohou b\u00fdt sebev\u00edc bezpe\u010dn\u011bj\u0161\u00ed\u00a0z hlediska kol\u00edsavosti.\u00a0Z hlediska volatility.<\/p>\n<h2>Sledujte d\u016fle\u017eit\u00e9 riziko<\/h2>\n<p>Tak\u017ee mnohem d\u016fle\u017eit\u011bj\u0161\u00ed,\u00a0ne\u017e to jak\u00fd m\u00e1 produkt\u00a0v\u00fdnos aktu\u00e1ln\u00ed,\u00a0nebo jestli se mi l\u00edb\u00ed,\u00a0nebo jak\u00fdmi argumenty m\u011b p\u0159esv\u011bd\u010dil\u00a0ten prodejce,\u00a0je jak\u00e9 je skute\u010dn\u00e9 riziko\u00a0vzhledem k horizontu,\u00a0kter\u00fd m\u00e1me.<\/p>\n<p>U kr\u00e1tk\u00e9ho horizontu je to riziko kol\u00edsavosti.<\/p>\n<p>Ale u dlouh\u00e9ho horizontu,\u00a0a ten je pro n\u00e1s p\u0159i investov\u00e1n\u00ed\u00a0mnohem d\u016fle\u017eit\u011bj\u0161\u00ed,\u00a0je to jestli ta investice dok\u00e1\u017ee p\u0159e\u017e\u00edt. A jestli dok\u00e1\u017ee p\u0159ekon\u00e1vat inflaci.<\/p>\n<p>Pokud chcete p\u0159em\u00fd\u0161let o dlouhodob\u00fdch c\u00edlech a chcete v\u011bd\u011bt jak k nim bezpe\u010dn\u011b doj\u00edt,\u00a0 pod\u00edvejte se na <a href=\"https:\/\/www.investguru.cz\/cs\/trenink\/?utm_source=investguru&amp;utm_medium=blog&amp;utm_campaign=tty-riziko-volatilita\">4d\u00edln\u00fd tr\u00e9nink, ve kter\u00e9m v\u00e1m odhal\u00edme, jak dlouhodob\u011b bezpe\u010dn\u011b investovat<\/a>. A jak nezam\u011b\u0148ovat ta rizika, kter\u00e1 nemaj\u00ed smysl za ta, kter\u00e1 jsou skute\u010dn\u011b d\u016fle\u017eit\u00e1.<\/p>\n<h2>Co je podle v\u00e1s riziko?<\/h2>\n<p>Jak se na investov\u00e1n\u00ed d\u00edv\u00e1te VY?\u00a0Podle \u010deho vyb\u00edr\u00e1te investice?<\/p>\n<p>Pros\u00edm napi\u0161te mi to do koment\u00e1\u0159\u016f\u00a0pod video.\u00a0R\u00e1d se na va\u0161e koment\u00e1\u0159e pod\u00edv\u00e1m\u00a0a odpov\u00edm na va\u0161e ot\u00e1zky.<\/p>\n<p>D\u011bkuji v\u00e1m za pozornost\u00a0a p\u0159eji v\u00e1m, aby pen\u00edze pro v\u00e1s\u00a0v\u017edy mohly b\u00fdt a\u017e na posledn\u00edm m\u00edst\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A kv\u016fli n\u00ed re\u00e1ln\u011b p\u0159ich\u00e1zej\u00ed o pen\u00edze, i kdy\u017e jsou pocitov\u011b v bezpe\u010d\u00ed<\/p>\n","protected":false},"author":5,"featured_media":1007,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","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":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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