{"id":1050,"date":"2020-06-11T10:49:40","date_gmt":"2020-06-11T08:49:40","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1050"},"modified":"2020-08-13T19:57:15","modified_gmt":"2020-08-13T17:57:15","slug":"jak-se-stat-rentierem","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/jak-se-stat-rentierem\/","title":{"rendered":"Jak se oby\u010dejn\u00fd \u010dlov\u011bk m\u016f\u017ee st\u00e1t finan\u010dn\u011b nez\u00e1visl\u00fdm renti\u00e9rem"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/c4QY5ylqYsg?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/p>\n<p style=\"text-align: center\"><a class=\"fancybox button\" href=\"#optin_form_pop\">Po\u0161lete mi dal\u0161\u00ed videa<\/a><\/p>\n<p>M\u00e9 jm\u00e9no je Vladim\u00edr Fichtner a budu va\u0161\u00edm pr\u016fvodcem dne\u0161n\u00edho pov\u00edd\u00e1n\u00ed, o tom jak se i oby\u010dejn\u00fd \u010dlov\u011bk m\u016f\u017ee st\u00e1t renti\u00e9rem. D\u0159\u00edv, ne\u017e se do toho pov\u00edd\u00e1n\u00ed pust\u00edme, dovolte mi, abych \u0159ekl n\u011bco kr\u00e1tce o sob\u011b.<\/p>\n<h2>29 let zku\u0161enost\u00ed na finan\u010dn\u00edch trz\u00edch<\/h2>\n<p>Za\u010d\u00ednal jsem jako <strong>6. \u010dlov\u011bk u Petra Kellnera<\/strong>, asi v\u00edte, dnes nejbohat\u0161\u00edho \u010cecha. A v PPF jsem se nau\u010dil hrozn\u011b moc, proto\u017ee jsem m\u011bl \u0161anci dostat se \u00fapln\u011b ke v\u0161emu. Kapitalismus byl na za\u010d\u00e1tku a m\u011blo to sv\u00e9 v\u00fdhody. Pro n\u011bkoho, kdo zrovna kon\u010dil \u0161kolu. Tak\u017ee jsem se dostal \u00fapln\u011b od za\u010d\u00e1tku k tomu, jak se obchoduje s akciemi. Jak se rozhoduje o tom, jak\u00fdm zp\u016fsobem je vyb\u00edrat do portfolia. A nakonec jsem u Petra Kellnera d\u011blal portfolio mana\u017eera fond\u016f PPF.<\/p>\n<p>Od roku 1995 do roku 2002 jsem potom p\u016fsobil v <strong>Pioneer Investments<\/strong>. Zde jsem se nau\u010dil hodn\u011b p\u0159edev\u0161\u00edm od sv\u00fdch americk\u00fdch koleg\u016f, kte\u0159\u00ed s investov\u00e1n\u00edm za\u010d\u00ednali u\u017e v roce 1928. Proto\u017ee Pioneer byl 4. nejstar\u0161\u00ed fond v USA. Proto\u017ee n\u011bkte\u0159\u00ed kolegov\u00e9 d\u011blali investov\u00e1n\u00ed 30, 40 let, tak pracovat s nimi bylo opravdu fascinuj\u00edc\u00ed a velmi p\u0159\u00ednosn\u00e9.<\/p>\n<p>Roku 2002 jsem potom zalo\u017eil <strong>vlastn\u00ed poradenskou praxi<\/strong>, ve kter\u00e9 dnes pro klienty m\u00e1me v poradensk\u00e9m mand\u00e1tu <strong>6,254 miliardy korun<\/strong> (k 31. 10. 2022).<\/p>\n<h2>\u00dasp\u011b\u0161n\u00e1 kari\u00e9ra, ale nikoliv bezchybn\u00e1<\/h2>\n<p>P\u0159esto\u017ee jsem byl v PPF i v dal\u0161\u00ed kari\u00e9\u0159e pom\u011brn\u011b \u00fasp\u011b\u0161n\u00fd, tak jsem v soukrom\u00e9m \u017eivot\u011b d\u011blal velk\u00e9 chyby.<\/p>\n<p><strong>M\u00e1lo jsem investoval<\/strong>. P\u0159esto\u017ee jsem mohl investovat v\u00edce, tak jsem vlastn\u011b nev\u011bd\u011bl, pro\u010d bych to d\u011blal.<\/p>\n<p>Dlouhou dobu jsem v t\u00e9 dob\u011b <strong>nem\u011bl ani stavebn\u00ed spo\u0159en\u00ed<\/strong>. P\u0159esto\u017ee na sam\u00e9m po\u010d\u00e1tku stavebn\u00ed spo\u0159en\u00ed vyd\u011bl\u00e1valo v\u010detn\u011b st\u00e1tn\u00ed podpory i 10 % ro\u010dn\u011b.<\/p>\n<p>A kdy\u017e zabrous\u00edm tro\u0161ku jinam od investic, tak jsem m\u011bl t\u0159eba <strong>\u017eivotn\u00ed pojistku<\/strong>, za ka\u017edou jsem ka\u017ed\u00fd m\u011bs\u00edc platil 4000 K\u010d. M\u011bl jsem pocit, \u017ee v 60 letech n\u011bco zaj\u00edmav\u00e9ho dostanu. Ale uk\u00e1zalo se, \u017ee by pojistka nepomohla ani m\u00e9 rodin\u011b v p\u0159\u00edpad\u011b smrti. Ani bych zase tak moc pen\u011bz nedostal.<\/p>\n<p>To nebyly jedin\u00e9 chyby, kter\u00e9 jsem d\u011blal.<\/p>\n<p>Koupil jsem si t\u0159eba <strong>certifik\u00e1t Ekoagrobanky<\/strong> za 10 tis\u00edc korun. Tenkr\u00e1t jsem m\u011bl plat asi 5 tis\u00edc korun na za\u010d\u00e1tku. Tak\u017ee to bylo docela dost pen\u011bz pro m\u011b. Koupil jsem si za 10 tis\u00edc korun Zlat\u00fd certifik\u00e1t Ekoagrobanky. Asi ho je\u0161t\u011b n\u011bkde doma m\u00e1m. Proto\u017ee Ekoagrobanka zkrachovala a j\u00e1 u\u017e jsem ty pen\u00edze nikdy nevid\u011bl.<\/p>\n<h2>Nedoceniteln\u00e9 lekce z p\u0159edchoz\u00edch kriz\u00ed<\/h2>\n<p>Za\u017eil jsem zaj\u00edmav\u00e9 a intenzivn\u00ed krize. Nejenom tu, kterou si mo\u017en\u00e1 mnoz\u00ed pamatujete. Krizi roku 2008 a 2009, kdy t\u0159eba akciov\u00e9 trhy poklesly o 50%.<\/p>\n<p>Ale za\u017eil jsem si i krizi roku 2000, kdy do\u0161lo k velmi podobn\u00e9mu poklesu na trz\u00edch.<\/p>\n<p>Ale za ta dlouh\u00e1 l\u00e9ta od roku 1991, kdy jsem s investov\u00e1n\u00edm za\u010d\u00ednal, jsem za\u017eil i jednu d\u016fle\u017eitou v\u011bc, o kter\u00e9 mluv\u00ed <a href=\"https:\/\/www.investguru.cz\/cs\/warren-buffett-19-citatu\/\">Warren Buffett<\/a>. Dnes nej\u00fasp\u011b\u0161n\u011bj\u0161\u00ed investor, jeden z nejbohat\u0161\u00edch lid\u00ed sv\u011bta, kter\u00fd sv\u016fj majetek vyd\u011blal investov\u00e1n\u00edm. Ne t\u00edm, \u017ee vymyslel Microsoft nebo Windows. Ale t\u00edm, \u017ee je vyd\u011blal investov\u00e1n\u00edm.<\/p>\n<p>Warren Buffett \u0159\u00edk\u00e1: <em>\u201eAkciov\u00fd trh je n\u00e1strojem pro p\u0159esun bohatstv\u00ed od netrp\u011bliv\u00fdch k t\u011bm trp\u011bliv\u00fdm.\u201d<\/em><\/p>\n<p>To je n\u011bco, o co se tak\u00e9 mimo jin\u00e9 chci s v\u00e1mi tak\u00e9 pod\u011blit. Budu se tedy s v\u00e1mi d\u011blit o zku\u0161enosti, kter\u00e9 m\u00e1m.<\/p>\n<h2>Co v n\u00e1sleduj\u00edc\u00edch dnech m\u016f\u017eete \u010dekat<\/h2>\n<p>A ta struktura t\u011bch informac\u00ed, kter\u00e9 m\u016f\u017eete \u010dekat, je zhruba n\u00e1sleduj\u00edc\u00ed:<\/p>\n<ul>\n<li>Dnes si budeme pov\u00eddat o tom, <strong>jak se i oby\u010dejn\u00fd \u010dlov\u011bk m\u016f\u017ee st\u00e1t renti\u00e9rem<\/strong>. (toto video)<\/li>\n<li>V p\u0159\u00ed\u0161t\u00edm videu si \u0159ekneme v\u00edce o tom, <a href=\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\">jak na cest\u011b k rent\u011b investovat co nejbezpe\u010dn\u011bji<\/a>.<\/li>\n<li>Pot\u00e9 se s v\u00e1mi pod\u011bl\u00edm o to, <a href=\"https:\/\/www.investguru.cz\/cs\/do-ceho-investovat\/\">do \u010deho konkr\u00e9tn\u011b investovat<\/a>.<\/li>\n<li>V r\u00e1mci bonusu nav\u00edc odpov\u00edm i na <a href=\"https:\/\/www.investguru.cz\/cs\/7-otazek-investovani\/\">7 nej\u010dast\u011bj\u0161\u00edch ot\u00e1zek, kter\u00e9 o investov\u00e1n\u00ed dost\u00e1v\u00e1me<\/a>.<\/li>\n<\/ul>\n<p>Tak poj\u010fme zp\u00e1tky ale u\u017e k tomu t\u00e9matu, na kter\u00e9 jsem v\u00e1s pozval. A to je: <strong>Jak se i oby\u010dejn\u00fd \u010dlov\u011bk m\u016f\u017ee st\u00e1t renti\u00e9rem.<\/strong><\/p>\n<h2>Kdo je a kdo nen\u00ed renti\u00e9r?<\/h2>\n<p>Zastavme se na chvili\u010dku u toho slova renti\u00e9r. Co m\u00e1m na mysli, kdy\u017e \u0159eknu renti\u00e9r? Resp. co nem\u00e1m na mysli, kdy\u017e \u0159eknu renti\u00e9r? Zhruba tohle.<\/p>\n<p>Nem\u00e1m na mysli to, \u017ee si budete kupovat priv\u00e1tn\u00ed trysk\u00e1\u010de. Super modern\u00ed jachty. Nebo p\u0159ipalovat stodolarovou bankovkou doutn\u00edk. Ur\u010dit\u011b m\u016f\u017eete b\u00fdt i takto \u00fasp\u011b\u0161n\u00ed. Ale k tomu bude pot\u0159eba, abyste vymysleli n\u011bjak\u00fd p\u011bkn\u00fd byznys. \u00dasp\u011b\u0161n\u011b ho prodali a potom se mo\u017en\u00e1 m\u016f\u017eete topit i v takov\u00e9mhle luxusu.<\/p>\n<p>A to o \u010dem j\u00e1 mluv\u00edm je <strong>renti\u00e9rstv\u00ed b\u011b\u017en\u00e9ho \u010dlov\u011bka<\/strong>.<\/p>\n<p><strong>P\u0159edstavte si, \u017ee ka\u017ed\u00e9 r\u00e1no se probud\u00edte, nemus\u00edte do pr\u00e1ce, p\u0159esto v\u00e1m na \u00fa\u010det p\u0159ijde stejn\u011b pen\u011bz jako dnes.<\/strong><\/p>\n<p>To je to skute\u010dn\u00e9 renti\u00e9rstv\u00ed, kter\u00e9 je dostupn\u00e9 i pro b\u011b\u017en\u00e9ho \u010dlov\u011bka. P\u0159esto\u017ee si v\u011bt\u0161ina lid\u00ed mysl\u00ed, \u017ee to pr\u00e1v\u011b pro n\u011bj dostupn\u00e9 nen\u00ed.<\/p>\n<p>Nen\u00ed to o tom z\u00e1rove\u0148 ale, \u017ee nechod\u00edte do pr\u00e1ce. V\u011bt\u0161ina lid\u00ed \u0159ekne: <em>\u201eVladim\u00edre, ale j\u00e1 chci chodit do pr\u00e1ce. J\u00e1 si nedok\u00e1\u017eu p\u0159edstavit, \u017ee bych n\u011bco ned\u011blal.\u201c<\/em><\/p>\n<p>To je logick\u00e9. I lidi co prodaj\u00ed svoje firmy, tak podle n\u011bjak\u00fdch statistik jenom 2 z t\u011bch 100 lid\u00ed, kte\u0159\u00ed prodaj\u00ed, z\u016fstanou na pl\u00e1\u017ei a u\u017e se do pr\u00e1ce nevrac\u00ed. Jsou s d\u011btmi a rodinou a u\u017e\u00edvaj\u00ed si n\u011bjak\u00e9 kon\u00ed\u010dky. 98 % lid\u00ed, 98 lid\u00ed ze 100, kte\u0159\u00ed svoje firmy prodaj\u00ed, jdou d\u011blat n\u011bco dal\u0161\u00edho.<\/p>\n<p>Tak\u017ee nemus\u00edte chodit. M\u00e1te tu svobodu nechodit do pr\u00e1ce. A to je to podstatn\u00e9, co pod slovem \u201erenti\u00e9r\u201c pro oby\u010dejn\u00e9ho \u010dlov\u011bka vn\u00edm\u00e1me.<\/p>\n<h2>P\u0159edev\u0161\u00edm je to o va\u0161em rozhodnut\u00ed<\/h2>\n<p>Dal\u0161\u00ed d\u016fle\u017eit\u00e1 informace, kterou je pot\u0159eba m\u00edt a v\u011bd\u011bt o n\u00ed, tak je, \u017ee st\u00e1t se renti\u00e9rem je ot\u00e1zkou p\u0159edev\u0161\u00edm va\u0161eho rozhodnut\u00ed. Nen\u00ed to ot\u00e1zkou \u0161t\u011bst\u00ed. Resp. m\u016f\u017eete m\u00edt \u0161t\u011bst\u00ed a m\u016f\u017ee se v\u00e1m to pov\u00e9st.<\/p>\n<p>Ale kdy\u017e se rozhodnete st\u00e1t se z oby\u010dejn\u00e9ho \u010dlov\u011bka renti\u00e9rem, tak ta \u0161ance je velmi vysok\u00e1. Podle na\u0161ich zku\u0161enost\u00ed je to n\u011bjak\u00fdch 80 % lid\u00ed, se kter\u00fdmi my se potk\u00e1v\u00e1me. Tak m\u00e1 \u0161anci si na to renti\u00e9rstv\u00ed s\u00e1hnout v \u010dasov\u00e9m horizontu, kter\u00fd cht\u011bj\u00ed.<\/p>\n<p>N\u011bkte\u0159\u00ed ne. Tak\u017ee nechci slibovat, \u017ee ka\u017ed\u00fd si na n\u011bj \u00fapln\u011b s\u00e1hne. Ale to \u010d\u00edslo je p\u0159ekvapiv\u011b vysok\u00e9. A to se zab\u00fdv\u00e1me touto problematikou od roku 2003. Po\u0159\u00e1d se potvrzuje.<\/p>\n<p>Tak\u017ee je to opravdu jenom na v\u00e1s. Jestli chcete nebo nechcete.<\/p>\n<p>Prvn\u00ed v\u011bc, kterou je pot\u0159eba si \u0159\u00edct, kdy\u017e se budete cht\u00edt st\u00e1t renti\u00e9rem, kolik vlastn\u011b budete cht\u00edt renty. A kolik na to budete pot\u0159ebovat pen\u011bz.<\/p>\n<p>Zd\u00e1 se to jako velmi trivi\u00e1ln\u00ed ot\u00e1zka, ale m\u00e1 obrovsk\u00fd dopad.<\/p>\n<h2>A\u017e 3x v\u00edce majetku<\/h2>\n<p>Ameri\u010dan\u00e9, kte\u0159\u00ed u\u017e toto t\u00e9ma \u0159e\u0161\u00ed dlouh\u00e9 des\u00edtky let, tak dokonce u\u017e dnes dok\u00e1\u017eou m\u011b\u0159it, co se stane, kdy\u017e si \u0159eknete to \u010d\u00edslo p\u0159edem. Dostate\u010dn\u011b v\u010das. Kolik budete pot\u0159ebovat pen\u011bz na rentu. A kdy\u017e si ho ne\u0159eknete.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/Annamaria_Lusardi_standing-274x300.jpg\" alt=\"\" width=\"274\" height=\"300\" class=\"alignright size-medium wp-image-1069\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/Annamaria_Lusardi_standing-274x300.jpg 274w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/Annamaria_Lusardi_standing.jpg 547w\" sizes=\"(max-width: 274px) 100vw, 274px\" \/>Zn\u00e1m\u00e1 profesorka Annamaria Lusardi ve sv\u00e9 studii v roce 2005 (<a href=\"https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=881847\" target=\"_blank\" rel=\"noopener noreferrer\">studie Financial Literacy and Planning: Implications for Retirement Wellbeing<\/a>) zve\u0159ejnila to, \u017ee lid\u00e9, kte\u0159\u00ed \u0161li do d\u016fchodu v Americe a nem\u011bli pl\u00e1n a strategii a nev\u011bd\u011bli p\u0159edem, kolik pen\u011bz budou pot\u0159ebovat, tak m\u011bli p\u0159i odchodu do d\u016fchodu zhruba 338 tis\u00edc dolar\u016f.<\/p>\n<p>Ti lid\u00e9, kte\u0159\u00ed sice nem\u011bli pl\u00e1n, ale n\u011bjak\u00fdch 15, 20 let p\u0159edem si \u0159ekli, kolik vlastn\u011b jednoho dne budou pot\u0159ebovat, tak m\u011bli 2x v\u00edce majetku.<\/p>\n<p>Jinak samoz\u0159ejm\u011b ty vzorky byly stejn\u00e9. Stejn\u00e1 soci\u00e1ln\u00ed t\u0159\u00edda, stejn\u00fd region, atd. Na to jsou Ameri\u010dani docela zam\u011b\u0159en\u00ed, aby to d\u00e1valo smysl. Aby porovn\u00e1vali porovnateln\u00e9.<\/p>\n<p>A je\u0161t\u011b fascinuj\u00edc\u00ed je, \u017ee ten, kdo nejenom\u017ee znal tu \u010d\u00e1stku, kterou bude pot\u0159ebovat, ale m\u011bl i pl\u00e1n a dodr\u017eoval, jak se k n\u011bmu dostat, tak m\u011bl vlastn\u011b 3x v\u00edc majetku ne\u017e ten, kter\u00fd o ni\u010dem takov\u00e9m dostate\u010dn\u011b p\u0159edem nep\u0159em\u00fd\u0161lel. A nem\u011bl ani pl\u00e1n jak se k t\u00e9 rent\u011b dostat.<\/p>\n<p>Tak\u017ee tohle je jeden z t\u011bch d\u016fkaz\u016f toho, \u017ee ot\u00e1zka renty pro v\u00e1s jako oby\u010dejn\u00e9ho \u010dlov\u011bka je ot\u00e1zkou va\u0161eho rozhodnut\u00ed. Ni\u010deho jin\u00e9ho.<\/p>\n<p>Pokud budete m\u00edt \u0161t\u011bst\u00ed m\u016f\u017ee to p\u0159ij\u00edt i rychleji. Samoz\u0159ejm\u011b kdy\u017e vyhrajete nebo zd\u011bd\u00edte n\u011bco. Ale pro b\u011b\u017en\u00e9ho \u010dlov\u011bka je to ot\u00e1zka skute\u010dn\u011b rozhodnut\u00ed.<\/p>\n<h2>Kolik pot\u0159ebujete pen\u011bz?<\/h2>\n<p>P\u0159edstavte si, \u017ee u\u017e nebudete spl\u00e1cet hypot\u00e9ku. Nebudete platit pojistky. S v\u00fdjimkou mo\u017en\u00e1 pojistky na d\u016fm nebo na auto. Ale \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, \u00farazov\u00e9 poji\u0161t\u011bn\u00ed, d\u011bti u\u017e budou z domova. Tak p\u0159edstavte si, \u017ee na rentu, kterou budete m\u00edt na svoje \u017eivotn\u00ed v\u00fddaje a p\u0159\u00edpadn\u011b na kon\u00ed\u010dky, kter\u00e9 chcete.<\/p>\n<p><strong>Na rentu 30 tis\u00edc m\u011bs\u00ed\u010dn\u011b budete pot\u0159ebovat zhruba 10 milion\u016f korun.<\/strong><\/p>\n<p>To si mo\u017en\u00e1 \u0159\u00edk\u00e1te, \u017ee nen\u00ed \u00fapln\u011b m\u00e1lo. To je pravda. To nen\u00ed \u00fapln\u011b m\u00e1lo. Ale nebojte se, nen\u00ed to tak hrozn\u00e9, jak to vypad\u00e1.<\/p>\n<p>Pokud budete m\u00edt jednor\u00e1zov\u011b 800 tis\u00edc K\u010d, ka\u017ed\u00fd rok budete investovat do sv\u00e9 budoucnosti, odlo\u017e\u00edte stranou n\u011bjak\u00fdch 240 tis\u00edc K\u010d. T\u0159eba t\u00edm, \u017ee dostanete n\u011bjak\u00fd dobr\u00fd bonus nebo n\u011bco podobn\u00e9ho. Po dobu 15 &#8211; 17 let. Tak\u017ee celkem d\u00e1te stranou 4,4 &#8211; 4,9 milion\u016f K\u010d. Pak t\u011bch 10 milion\u016f m\u00edt m\u016f\u017eete, pokud pen\u00edze budete spr\u00e1vn\u011b investovat.<\/p>\n<p>To je to, pro\u010d jsme tady. Pro\u010d si pov\u00edd\u00e1me.<\/p>\n<p>Proto\u017ee <strong>investov\u00e1n\u00ed na va\u0161\u00ed budoucnosti m\u016f\u017ee pod\u00edlet pom\u011brn\u011b v\u00fdraznou m\u011brou<\/strong>. A podle toho kolik m\u00e1te \u010dasu na tu rentu se p\u0159ipravit, tak v\u00fdnosy z investic m\u016f\u017eou p\u0159in\u00e9st polovinu mo\u017en\u00e1 i 2\/3 toho, co budete jednoho dne na rentu pot\u0159ebovat. To je u\u017e mnohem realisti\u010dt\u011bj\u0161\u00ed.<\/p>\n<p>M\u00e1 to ale jeden p\u0159edpoklad.<\/p>\n<h2>Jak se (ne)starat o sv\u00e9 pen\u00edze<\/h2>\n<p>Nesm\u00edte se o sv\u00e9 pen\u00edze starat takov\u00fdm zp\u016fsobem, jako kdy\u017e pejsek s ko\u010di\u010dkou d\u011blali dort.<\/p>\n<p>Tu\u0161\u00edte, jak to bylo? Poj\u010fme si to lehce p\u0159ipomenout.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/pejsek-a-ko\u010di\u010dka-e1485934068997-300x182.jpg\" alt=\"\" width=\"300\" height=\"182\" class=\"alignright size-medium wp-image-1071\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/pejsek-a-ko\u010di\u010dka-e1485934068997-300x182.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/pejsek-a-ko\u010di\u010dka-e1485934068997.jpg 602w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Pejskovi chutnaly bu\u0159ty, tak v dortu byly bu\u0159ty. Ko\u010di\u010dce my\u0161, n\u011bkdo z nich m\u011bl r\u00e1d kyselou okurku. Prost\u011b dali do toho dortu v\u0161echno, co m\u011bli r\u00e1di. A m\u011bli pocit \u017ee to bude m\u00edt dobr\u00fd v\u00fdsledek. Nebylo to tak.<\/p>\n<p>Tu\u0161\u00edte, jak to dopadlo?<\/p>\n<p>Zl\u00fd pes jim dort sn\u011bdl a zl\u00e9ho psa bolelo b\u0159\u00ed\u0161ko. Ale nebojte se, pejskovi s ko\u010di\u010dkou se nic \u0161patn\u00e9ho nestalo.<\/p>\n<p>Tak\u017ee kdy\u017e se chcete st\u00e1t renti\u00e9rem, z oby\u010dejn\u00e9ho \u010dlov\u011bka renti\u00e9rem, tak mus\u00edte ud\u011blat n\u011bkolik n\u00e1sleduj\u00edc\u00edch krok\u016f.<\/p>\n<h2>1)\u00a0 Ujasn\u011bte si, co vlastn\u011b chcete<\/h2>\n<p>\u010casto lid\u00e9 maj\u00ed v hlav\u011b n\u011bjak\u00e9 kr\u00e1tkodob\u011bj\u0161\u00ed c\u00edle. Co cht\u011bj\u00ed dnes, za rok, za 3, mo\u017en\u00e1 za 5 let, mo\u017en\u00e1 n\u011bjak\u00e9 c\u00edle pro d\u011bti. Ale m\u00e1lokdo mysl\u00ed na rentu.<\/p>\n<p>Kdy\u017e se s lidmi bav\u00edme o tom, jestli cht\u011bj\u00ed rentu, tak samo o sob\u011b to z nich nevypadne. A\u017e kdy\u017e se na to zept\u00e1me. Tak \u0159\u00edk\u00e1 ka\u017ed\u00fd: <em>\u201eNo, to asi taky, no. Ale to m\u011b ani nenapadlo, proto\u017ee &#8230;\u201c<\/em><\/p>\n<p>Proto\u017ee si \u010dasto mysl\u00ed, \u017ee to nen\u00ed realistick\u00fd, tak to ani nepl\u00e1nuj\u00ed. Ale je to velk\u00e1 chyba, kter\u00e1 m\u016f\u017ee b\u00fdt velmi drah\u00e1.<\/p>\n<h2>2) Revidujte, co m\u00e1te k dispozici<\/h2>\n<p>Pot\u00e9 co si ujasn\u00edte co chcete, je pot\u0159eba, abyste si ujasnili, co m\u00e1te vlastn\u011b k dispozici. Z \u010deho budete tu rentu do budoucna stav\u011bt. M\u00e1te n\u011bjak\u00e9 zdroje finan\u010dn\u00ed, n\u011bjak\u00fd sou\u010dasn\u00fd majetek, n\u011bjak\u00e9 \u00faspory. Ale taky n\u011bjak\u00fd rozd\u00edl mezi t\u00edm, co vyd\u011bl\u00e1v\u00e1te, a t\u00edm, co utr\u00e1c\u00edte.<\/p>\n<p>My se velmi \u010dasto potk\u00e1v\u00e1me s lidmi, kter\u00fdm je 33, 35 let. Kdy u\u017e maj\u00ed za sebou takov\u00e9 to prvn\u00ed bydlen\u00ed, n\u011bkdy i prvn\u00ed d\u00edt\u011b a jejich finan\u010dn\u00ed situace u\u017e se za\u010d\u00edn\u00e1 ustalovat. A za\u010d\u00ednaj\u00ed zji\u0161\u0165ovat, \u017ee u\u017e jim za\u010d\u00edn\u00e1 i n\u011bco zb\u00fdvat. To je ten okam\u017eik, kdy mo\u017en\u00e1 nen\u00ed \u0161patn\u00e9 za\u010d\u00edt.<\/p>\n<p>Neznamen\u00e1 to \u017ee nem\u016f\u017eete za\u010d\u00edt d\u0159\u00edv. \u010c\u00edm d\u0159\u00edv za\u010dnete, t\u00edm v\u00edce se na t\u00e9 rent\u011b bude pod\u00edlet \u010das a v\u00fdnosy z investic. A ne va\u0161e energie. Ale ten Krist\u016fv v\u011bk nen\u00ed \u00fapln\u011b od v\u011bci.<\/p>\n<h2>3) Propojte c\u00edle se zdroji<\/h2>\n<p>Kdy\u017e si zjist\u00edte, co m\u00e1te, potom je pot\u0159eba m\u00edt n\u011bjak\u00fd recept, jak to v\u0161echno, co chcete a co m\u00e1te, d\u00e1t dohromady. Jak ty c\u00edle propojit s va\u0161imi zdroji. A jak co nejbezpe\u010dn\u011bj\u0161\u00ed cestou se vydat na cest\u011b k t\u00e9 rent\u011b.<\/p>\n<h2>4) Dr\u017ete se receptu<\/h2>\n<p>A samoz\u0159ejm\u011b potom, kdy\u017e u\u017e ten recept m\u00e1te, tak je pot\u0159eba ho dodr\u017eet.<\/p>\n<p>Tomu receptu my \u0159\u00edk\u00e1me v na\u0161\u00ed hant\u00fdrce \u201einvesti\u010dn\u00ed pl\u00e1n\u201c. Nen\u00ed to nic slo\u017eit\u00e9ho a budeme si v pr\u016fb\u011bhu v t\u011bch na\u0161ich vide\u00edch o tom tak\u00e9 pov\u00eddat.<\/p>\n<p>Nen\u00ed to ale jenom m\u00edt pl\u00e1n, ale taky n\u011bco pro to ud\u011blat. Za\u010d\u00edt ho realizovat.<\/p>\n<h2>Nen\u00ed to pro v\u0161echny, ale&#8230;<\/h2>\n<p>Podle m\u00e9ho n\u00e1zoru a m\u00fdch zku\u0161enost\u00ed je mo\u017en\u00e9 se k rent\u011b dostat. <strong>80 % lid\u00ed, kte\u0159\u00ed maj\u00ed chu\u0165 na tu rentu myslet, tak se k n\u00ed dostanou.<\/strong><\/p>\n<p>Ten, kdo se k n\u00ed nedostane, kdo je v t\u011bch 20 %, tak to znamen\u00e1 t\u0159eba, \u017ee ji nedos\u00e1hne po 15 letech, ale t\u0159eba a\u017e po 20 nebo 25 letech. Kdy\u017e na n\u00ed nedos\u00e1hnete, tak jenom ten \u010das mus\u00edte tro\u0161ku prodlou\u017eit.<\/p>\n<p>Nen\u00ed to tak, \u017ee na n\u00ed nem\u016f\u017eete dos\u00e1hnout nikdy. Samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee nejste zadlu\u017eeni. A \u0159e\u0161\u00edte exekutora a \u00fapln\u011b jin\u00e9 v\u011bci. Ale potom se asi ned\u00edv\u00e1te na tato videa.<\/p>\n<p>Je tak\u00e9 d\u016fle\u017eit\u00e9 sm\u011b\u0159ovat k tomu, co nejbezpe\u010dn\u011bj\u0161\u00ed mo\u017enou cestou.<\/p>\n<p>A <a href=\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\">jak se co nejbezpe\u010dn\u011bji dostat k rent\u011b<\/a> se dozv\u00edte u\u017e v n\u00e1sleduj\u00edc\u00edm <a href=\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\">videu<\/a>, u kter\u00e9ho se na v\u00e1s budu velice t\u011b\u0161it.<\/p>\n<p>M\u011bjte se kr\u00e1sn\u011b a brzy na vid\u011bnou.<\/p>\n<p style=\"text-align: center\"><a class=\"fancybox button\" href=\"#optin_form_pop\">Po\u0161lete mi dal\u0161\u00ed videa<\/a><\/p><div class=\"fancybox-hidden\" style=\"display: none;\"\"><div id=\"optin_form_pop\"><script src=\"https:\/\/investguru.clipsan.com\/cs\/csfrmjs\/1af66dbcb4\"><\/script><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>P\u0159ekvapiv\u011b velk\u00e9 mno\u017estv\u00ed lid\u00ed m\u00e1 \u0161anci dos\u00e1hnout renti\u00e9rstv\u00ed v rozumn\u00e9m \u010dasov\u00e9m horizontu.<\/p>\n","protected":false},"author":2,"featured_media":1067,"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":[31,9,15],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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