{"id":1082,"date":"2020-06-16T13:43:10","date_gmt":"2020-06-16T11:43:10","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1082"},"modified":"2020-06-23T12:53:48","modified_gmt":"2020-06-23T10:53:48","slug":"jak-investovat-nejbezpecneji","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/","title":{"rendered":"Jak na cest\u011b k rent\u011b investovat co nejbezpe\u010dn\u011bji"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/X4JKIYedSb0?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>V pr\u016fb\u011bhu des\u00edtek let za\u017eijeme v\u0161echno mo\u017en\u00e9.<\/p>\n<p>Teroristick\u00e9 \u00fatoky a mo\u017en\u00e1 i v\u00e1lky. Politick\u00e9 zvraty a p\u0159ekvapen\u00ed. Epidemie a nouzov\u00e9 stavy.<\/p>\n<p>Mo\u017en\u00e1 za\u017eijeme i n\u011bco, co jsme je\u0161t\u011b neza\u017eili, a zat\u00edm to v\u00edd\u00e1me pouze ve filmech.<\/p>\n<p>Proto je velmi podstatn\u00e9 p\u0159em\u00fd\u0161let o tom, jak investovat co nejbezpe\u010dn\u011bji.<\/p>\n<p>Jak investovat i v \u010dasech, kdy se neda\u0159\u00ed a akciov\u00e9 trhy m\u00ed\u0159\u00ed dol\u016f. Ekonomiky se \u0159\u00edt\u00ed do kriz\u00ed a situace na trhu nen\u00ed \u00fapln\u011b jednoduch\u00e1.<\/p>\n<p>Investovat budeme v pr\u016fb\u011bhu des\u00edtek let. Naj\u00edt cestu, kter\u00e1 je nejbezpe\u010dn\u011bj\u0161\u00ed, n\u00e1m zvy\u0161uje \u0161ance k tomu, abychom se dostali k c\u00edli, kter\u00fd chceme. K rent\u011b, kter\u00e1 n\u00e1s l\u00e1k\u00e1.<\/p>\n<h2>1. riziko &#8211; Emocion\u00e1ln\u00ed n\u00e1kupy a prodeje<\/h2>\n<p>Velk\u00fdm a skute\u010dn\u011b velk\u00fdm a nejv\u011bt\u0161\u00edm nebezpe\u010d\u00edm pro investory jsou emocion\u00e1ln\u00ed n\u00e1kupy a prodeje.<\/p>\n<p>Na n\u00e1sleduj\u00edc\u00edm grafu, kdy\u017e se na n\u011bj pod\u00edv\u00e1te do velk\u00e9ho detailu, tak zjist\u00edte jednu d\u016fle\u017eitou v\u011bc.\u00a0To, co d\u011bl\u00e1 v\u011bt\u0161ina investor\u016f \u0161patn\u011b, kdy\u017e investuj\u00ed.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/KHO705116_graf.png\" alt=\"Pioneer Investments - Jak l\u00e9\u010dit emoce investor\u016f\" width=\"560\" height=\"410\" class=\"aligncenter size-full wp-image-1089\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/KHO705116_graf.png 560w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/KHO705116_graf-300x220.png 300w\" sizes=\"(max-width: 560px) 100vw, 560px\" \/><\/p>\n<p>Kupuj\u00ed v okam\u017eiku, kdy je n\u011bco velmi popul\u00e1rn\u00ed. Oni si \u0159\u00edkaj\u00ed, proto\u017ee to vid\u00ed v novin\u00e1ch, vid\u00ed to v televizi: <em>\u201eMus\u00edm to taky koupit. Vyd\u011bl\u00e1v\u00e1 to. Byl bych hloupej, kdybych do toho ne\u0161el.\u201d<\/em><\/p>\n<p>A proto si \u010dasto koup\u00ed na samotn\u00e9m vrcholu a v principu na za\u010d\u00e1tku t\u00e9 k\u0159ivky.<\/p>\n<h3>Nakupuj\u00ed na vrcholu&#8230;<\/h3>\n<p>V\u011bt\u0161ina lid\u00ed p\u0159ich\u00e1z\u00ed pozd\u011b. A\u017e kdy\u017e se o tom dozv\u00ed z televize. Je logick\u00e9, \u017ee pak ta investice u\u017e nemus\u00ed b\u00fdt \u00fapln\u011b nejrozumn\u011bj\u0161\u00ed. Televize nen\u00ed t\u00edm nositelem ide\u00e1ln\u00edch zpr\u00e1v pro investory. Je to masov\u00e9 m\u00e9dium a jako takov\u00e9 je pot\u0159eba j\u00ed br\u00e1t.<\/p>\n<p>A\u0165 to bylo v roce 2011 se zlatem, kdy bylo na sv\u00fdch vrcholech. Nebo a\u0165 to bylo v roce 2007 v akci\u00edch. Nebo m\u016f\u017eete si sami doplnit, co je dneska zrovna popul\u00e1rn\u00ed. A u \u010deho si lid\u00e9 nejv\u00edc \u0159\u00edkaj\u00ed: <em>\u201eTo je skv\u011bl\u00e9, to si koup\u00edm.\u201d<\/em><\/p>\n<p>Na podzim roku 2017 to byl&#8230; Zkus\u00edte si tipnout? Bitcoin. To bylo nejpopul\u00e1rn\u011bj\u0161\u00ed m\u00e9dium. Tenkr\u00e1t st\u00e1l skoro 20 tis\u00edc a dneska je samoz\u0159ejm\u011b n\u011bkde jinde.<\/p>\n<p>Hodn\u011b lid\u00ed koup\u00ed produkt na za\u010d\u00e1tku v emocion\u00e1ln\u00ed f\u00e1zi. A pak sleduj\u00ed, jak hodnota toho produktu kles\u00e1. Kles\u00e1 v\u00edc a v\u00edc a v\u00edc.<\/p>\n<p>Pamatuju si to jako dnes, kdy\u017e v akci\u00edch v roce 2000 vrcholila akciov\u00e1 bublina. Psaly se titulky ve stylu: \u201e<em>Bill Gates je prvn\u00ed \u010dlov\u011bk na sv\u011bt\u011b, kter\u00fd m\u00e1 majetek 100 miliard dolar\u016f.<\/em>\u201d Nebo ve stylu: \u201e<em>Ka\u017ed\u00fd druh\u00fd Fin je milion\u00e1\u0159.<\/em>\u201d Proto\u017ee ka\u017ed\u00fd druh\u00fd Fin vlastnil akcie Nokie, kter\u00e1 byla tenkr\u00e1t velmi popul\u00e1rn\u00ed. A jej\u00ed cena dramaticky vyrostla.<\/p>\n<p>O t\u0159i roky pozd\u011bji se titulky zm\u011bnily.<\/p>\n<p>Akcie klesly o 50 % v pr\u016fb\u011bhu let, v pr\u016fb\u011bhu dvou let, a titulky byly \u00fapln\u011b jin\u00e9. \u201e<em>Bill Gates p\u0159i\u0161el o 60 miliard dolar\u016f.<\/em>\u201d Je\u0161t\u011b 40 mu zb\u00fdvalo. Ale p\u0159i\u0161el o 60 miliard. Nebo byly titulky ve stylu: \u201e<em>Ve Finsku je kv\u016fli pokles\u016fm cen akci\u00ed Nokie dramaticky v\u011bt\u0161\u00ed m\u00edra sebevra\u017ed ne\u017e norm\u00e1ln\u011b.<\/em>\u201d Proto\u017ee ceny akci\u00ed Nokie klesly velmi dramaticky.<\/p>\n<p>Tohle je velmi z\u00e1sadn\u00ed v\u011bc, kterou je pot\u0159eba si uv\u011bdomit.<\/p>\n<h3>&#8230; a prod\u00e1vaj\u00ed p\u0159i propadu<\/h3>\n<p>Ve chv\u00edli, kdy jsou titulky nejv\u00edce skeptick\u00e9, v\u0161echno je \u0161patn\u011b, kon\u010d\u00ed sv\u011bt, tak v\u011bt\u0161ina lid\u00ed na to reaguje t\u00edm, \u017ee hod\u00ed ru\u010dn\u00edk do ringu. Pokud nejsou zku\u0161en\u00fdmi investory. Prod\u00e1 svoje investice a \u0159ekne si: \u201e<em>U\u017e to nechci d\u00e1l sn\u00e1\u0161et. P\u0159i\u0161el jsem v \u017eivot\u011b u\u017e o v\u00edc, m\u00e1m klid. Prodal jsem, sice jsem p\u0159i\u0161el o polovinu, ale nic se ned\u011bje. Lep\u0161\u00ed ne\u017e p\u0159ij\u00edt \u00fapln\u011b o v\u0161echno.<\/em>\u201d<\/p>\n<p>Samoz\u0159ejm\u011b \u017ee v takov\u00fd okam\u017eik, kdy prod\u00e1vaj\u00ed v\u0161ichni, nebo velk\u00e1 \u010d\u00e1st retailov\u00fdch investor\u016f (investor\u016f, kte\u0159\u00ed nejsou moc zku\u0161en\u00ed), kdy jsou prodeje doprov\u00e1zeny velk\u00fdmi a intenzivn\u00edmi medi\u00e1ln\u00edmi zpr\u00e1vami, jak je v\u0161echno \u0161patn\u011b, tak pro skute\u010dn\u00e9ho investora je to dobr\u00fd \u010das.<\/p>\n<p>P\u0159edstavte si, \u017ee si kupujete akcie spole\u010dnosti McDonalds nebo Apple. A najednou o 2 roky pozd\u011bji jsou na polovin\u011b ceny. Je opravdu \u0161patn\u00e9 si je koupit p\u0159i poklesu? Nebo je snad lep\u0161\u00ed si je koupit vrcholu? Nen\u00ed.<\/p>\n<p>Jestli\u017ee stoj\u00ed ta firma polovinu, tak je to stejn\u00e9 jako s jak\u00fdmkoliv jin\u00fdm v\u00fdprodejem, kter\u00e9 obecn\u011b m\u00e1me r\u00e1di. Ale v t\u011bch pen\u011bz\u00edch to n\u011bjak funguje jinak.<\/p>\n<h3>Nekupujte v emoc\u00edch a m\u00e1te i nap\u016fl vyhr\u00e1no<\/h3>\n<p>Nekupujte v emoc\u00edch to, co je popul\u00e1rn\u00ed. Neprod\u00e1vejte v emoc\u00edch to, co je popul\u00e1rn\u00ed m\u00e1lo.<\/p>\n<p>D\u00e1 se to i zm\u011b\u0159it a budeme si o tom na blogu d\u00e1le pov\u00eddat. O jednotliv\u00fdch zp\u016fsobech jak zm\u011b\u0159it emo\u010dn\u00ed n\u00e1kupy a prodeje.<\/p>\n<p>Proti emoc\u00edm se bra\u0148te selsk\u00fdm rozumem. Kdy\u017e ceny klesaj\u00ed, tak je vlastn\u011b bezpe\u010dn\u011bj\u0161\u00ed kupovat, ne\u017e za ceny vysok\u00e9.<\/p>\n<p>Ob\u010das se potk\u00e1me s n\u011bk\u00fdm, kdo \u0159\u00edk\u00e1: \u201e<em>No Vladim\u00edre, j\u00e1 te\u010fko je\u0161t\u011b investovat nechci. Je\u0161t\u011b je moc brzo. Ono to te\u010fko spadlo, uvid\u00edme, jak to p\u016fjde d\u00e1l.<\/em>\u201d<\/p>\n<p>Ceny vyrostou t\u0159eba o 30%, my se s t\u00edm \u010dlov\u011bkem potk\u00e1me o 1,5 roku pozd\u011bji: \u201e<em>No Vladim\u00edre te\u010f u\u017e to vyrostlo o 30%, tak j\u00e1 u\u017e bych \u0161el kupovat.<\/em>\u201c<\/p>\n<p>M\u00e1 pocit, \u017ee je to bezpe\u010dn\u011bj\u0161\u00ed, ale nen\u00ed to bezpe\u010dn\u011bj\u0161\u00ed. Je to p\u0159esn\u011b naopak.<\/p>\n<p>Tak\u017ee na to d\u00e1vejte pozor a jako zku\u0161en\u011bj\u0161\u00ed investo\u0159i d\u011blejte opak toho, co d\u011bl\u00e1 dav. M\u00e1te rozumnou \u0161anci, \u017ee to bude spr\u00e1vn\u011b.<\/p>\n<h2>2. riziko &#8211; Inflace<\/h2>\n<p>Dal\u0161\u00edm velk\u00fdm nebezpe\u010d\u00edm pro investora, kter\u00e9 je skryt\u00e9 a nen\u00ed moc vid\u011bt, je inflace.<\/p>\n<p>Na internetu jsem na\u0161el j\u00eddeln\u00ed l\u00edstek z roku 1986, kde je hov\u011bz\u00ed gul\u00e1\u0161 s knedl\u00edkem za 6,20 K\u010d.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/inflace.jpg\" alt=\"J\u00eddeln\u00ed l\u00edstek z roku 1986\" width=\"827\" height=\"524\" class=\"aligncenter size-full wp-image-1092\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/inflace.jpg 827w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/inflace-300x190.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/inflace-768x487.jpg 768w\" sizes=\"(max-width: 827px) 100vw, 827px\" \/><\/p>\n<p>Pokud jste se v roce 1986 rozhodli, \u017ee za 30 let chcete b\u00fdt renti\u00e9rem, a \u017ee v\u00e1m bude sta\u010dit 6,20 K\u010d na ka\u017ed\u00fd den ob\u011bdu v restauraci.<\/p>\n<p>Tak kdy\u017e se dnes pod\u00edv\u00e1te do restaurace a p\u0159ijdete tam s 6,20 K\u010d, tak zjist\u00edte, \u017ee si toho moc na ob\u011bd nepo\u0159\u00edd\u00edte.<\/p>\n<p>To je velk\u00fd trabl, kter\u00e9mu se \u0159\u00edk\u00e1 inflace. Je pot\u0159eba na n\u00ed d\u00e1vat velk\u00fd pozor.<\/p>\n<h3>Pl\u00e1nujte v dne\u0161n\u00edch cen\u00e1ch<\/h3>\n<p>Kdy\u017e pl\u00e1nujete v investov\u00e1n\u00ed n\u011bjak\u00e9 finan\u010dn\u00ed c\u00edle, tak je pot\u0159eba je pl\u00e1novat v dne\u0161n\u00edch cen\u00e1ch tzv. re\u00e1ln\u00fdch cen\u00e1ch.<\/p>\n<p>Tak\u017ee kdy\u017e chcete rentu 30 tis\u00edc, tak to je dne\u0161n\u00ed renta, ale samoz\u0159ejm\u011b \u017ee nomin\u00e1ln\u011b se zapo\u010dten\u00edm inflace to bude za 20 let t\u0159eba 300 tis\u00edc. J\u00e1 nev\u00edm, podle toho jak\u00e1 bude inflace. Ale jde o to, aby to byla re\u00e1ln\u00e1 v\u00fd\u0161e renty.<\/p>\n<p>Ob\u010das se \u010dlov\u011bk potk\u00e1v\u00e1 s r\u016fzn\u00fdmi spo\u0159\u00edc\u00edmi pojistkami, kter\u00e9 maj\u00ed naps\u00e1no na sob\u011b, \u017ee v 60 letech dostanete 1 milion korun. Je v\u00e1m 25 let nebo 30 let, koup\u00edte si tu pojistku a m\u00e1te radost z toho, \u017ee dostanete v 60 letech 1 mil. K\u010d. Je ot\u00e1zka, co si v t\u011bch 60 letech za ten 1 milion korun koup\u00edte. Proto\u017ee to nen\u00ed 1 milion korun dne\u0161n\u00edch. Je to milion korun budouc\u00edch. To u\u017e se tam tolik nep\u00ed\u0161e. Ale d\u00e1 se to vy\u010d\u00edst z mal\u00e9ho p\u00edsma v podm\u00ednk\u00e1ch.<\/p>\n<p>To je probl\u00e9m, na kter\u00fd si mus\u00edte d\u00e1vat taky pozor.<\/p>\n<p>Rentu, nebo jak\u00e9koliv dal\u0161\u00ed c\u00edle, je dobr\u00e9 pl\u00e1novat v dne\u0161n\u00edch cen\u00e1ch a vych\u00e1zet z toho, kolik byste pot\u0159ebovali dneska.<\/p>\n<h2>3. riziko &#8211; V\u011b\u0161t\u011bn\u00ed z k\u0159i\u0161\u0165\u00e1lov\u00e9 koule<\/h2>\n<p>Posledn\u00edm velk\u00fdm nebezpe\u010d\u00edm je spol\u00e9hat se na to, \u017ee v\u00edte, jak\u00e1 bude budoucnost. \u017de m\u00e1te k\u0159i\u0161\u0165\u00e1lovou kouli. \u017de v\u00edte p\u0159esn\u011b, co v\u00e1m \u0159\u00edk\u00e1. A \u017ee j\u00ed v\u011b\u0159\u00edte. \u017de v\u011b\u0159\u00edte tomu, \u017ee v\u017edy se napln\u00ed to, co tam je.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/kristalova-koule.jpg\" alt=\"\" width=\"616\" height=\"411\" class=\"aligncenter size-full wp-image-1093\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/kristalova-koule.jpg 616w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/kristalova-koule-300x200.jpg 300w\" sizes=\"(max-width: 616px) 100vw, 616px\" \/><\/p>\n<p>Realita je takov\u00e1, \u017ee se to v\u011bt\u0161in\u011b lid\u00ed nepovede. V\u011bt\u0161in\u011b lid\u00ed se nepovede pod\u00edvat se ka\u017ed\u00fd den do k\u0159i\u0161\u0165\u00e1lov\u00e9 koule a v\u011bd\u011bt, co n\u00e1s \u010dek\u00e1. A pokud mezi tuto v\u011bt\u0161inu pat\u0159\u00edte, tak jedinou rozumnou odpov\u011bd\u00ed je m\u00edt n\u011bjak\u00fd pl\u00e1n. A diverzifikovat.<\/p>\n<h3>Nespol\u00e9hejte na jeden sc\u00e9n\u00e1\u0159<\/h3>\n<p>Investovat toti\u017e, jak jsem \u0159\u00edkal na za\u010d\u00e1tku, budeme des\u00edtky let. Ty des\u00edtky let n\u00e1m p\u0159inesou spoustu nezn\u00e1m\u00e9ho.<\/p>\n<p>Na jedn\u00e9 investi\u010dn\u00ed konferenci jsem od jednoho tehdy 70let\u00e9ho investi\u010dn\u00edho profesion\u00e1la sly\u0161el jednu v\u011bc. On \u0159\u00edk\u00e1: \u201e<em>Riziko je to, co tady je\u0161t\u011b nebylo. Co si nedok\u00e1\u017eeme p\u0159edstavit.<\/em>\u201d To je to d\u016fle\u017eit\u00e9.<\/p>\n<p>My vlastn\u011b nev\u00edme, co se stane. Proto je pot\u0159eba se na to p\u0159ipravit. N\u011bjak\u00fdm jin\u00fdm zp\u016fsobem.<\/p>\n<h3>Je mo\u017en\u00e9 se p\u0159ipravit p\u0159edem<\/h3>\n<p>Na n\u011bkter\u00e9 v\u011bci se p\u0159ipravit lze.\u00a0Jde se p\u0159ipravit na to, \u017ee kdy\u017e ceny klesnou, m\u00edt p\u0159edem sc\u00e9n\u00e1\u0159 co budu d\u011blat, kdy\u017e ceny klesnou.<\/p>\n<p>My v\u00edme, co budeme d\u011blat s na\u0161imi klienty a na\u0161imi pen\u011bzi, kdy\u017e ceny klesnou o 10%, o 20%, o 30%, o 40% o 50%. M\u00e1me to p\u0159edem promy\u0161len\u00e9. A m\u00e1me to portfolio strukturovan\u00e9 tak, aby to \u0161lo realizovat.<\/p>\n<p>Ne \u017ee ceny spadnou o 50 % a my se vzbud\u00edme a \u0159\u00edk\u00e1me: \u201e<em>A co budeme honem d\u011blat? Co se te\u010fko bude d\u00edt?<\/em>\u201d<\/p>\n<p>Ne. Mus\u00edme m\u00edt p\u0159edem jasno co d\u011blat.<\/p>\n<p>To je jedna z v\u011bc\u00ed, jak se o\u0161et\u0159it proti pokles\u016fm.<\/p>\n<p>Druh\u00e1 v\u011bc je&#8230;<\/p>\n<h3>Po\u010d\u00edtejte s r\u016fzn\u00fdmi sc\u00e9n\u00e1\u0159i budoucnosti<\/h3>\n<p>P\u0159esto\u017ee bychom si p\u0159\u00e1li, aby \u010cR byla \u0160v\u00fdcarsko a kamkoliv vyjedeme, aby na\u0161e m\u011bna byla nejtvrd\u0161\u00ed na sv\u011bt\u011b. Pracujeme i se sc\u00e9n\u00e1\u0159em, \u017ee to tak nebude. M\u016f\u017ee se to st\u00e1t. P\u0159edev\u0161\u00edm v tom horizontu des\u00edtek let, kter\u00e9 nev\u00edme, co v\u0161echno n\u00e1m p\u0159inesou.<\/p>\n<p>A\u0165 u\u017e region\u00e1ln\u011b, m\u011bnov\u011b, z pohledu typ\u016f aktiv, nikdy nespol\u00e9h\u00e1me jenom na to, \u017ee nastane jenom jedna dan\u00e1 situace.<\/p>\n<p>Posledn\u00ed v\u011bc&#8230;<\/p>\n<h3>I s t\u011bmi velmi nep\u0159\u00edjemn\u00fdmi<\/h3>\n<p>P\u0159em\u00fd\u0161l\u00edme i o v\u011bcech, kter\u00e9 se zdaj\u00ed v tuto chv\u00edli, \u017ee jsou velmi vzd\u00e1len\u00e9. \u017de nikdy nem\u016f\u017eou p\u0159ij\u00edt. Takovou v\u011bc\u00ed m\u016f\u017ee b\u00fdt t\u0159eba v\u00e1lka.<\/p>\n<p>25 let \u017eijeme v klidn\u00e9 atmosf\u00e9\u0159e. Nic se ned\u011bje. V posledn\u00edch letech se tro\u0161ku vyhrotily politick\u00e9 vztahy Z\u00e1padu a Ruska. A u\u017e mo\u017en\u00e1 n\u011bkoho ob\u010das napadne, \u017ee i ta v\u00e1lka mohla p\u0159ij\u00edt.<\/p>\n<p>Je dob\u0159e o tom p\u0159em\u00fd\u0161let. Ne\u0159\u00edk\u00e1m m\u00edt z toho velk\u00fd strach. A hned, kdy\u017e se o tom za\u010d\u00edn\u00e1 mluvit, tak rychle ut\u00e9ct. Ale p\u0159em\u00fd\u0161let o tom, co kdy\u017e p\u0159ijde tahle situace.<\/p>\n<p>Jak to moje portfolio, moje finan\u010dn\u00ed \u0159e\u0161en\u00ed, zvl\u00e1dne. Jsem na to p\u0159ipraven? Nebo nejsem na to p\u0159ipraven.<\/p>\n<h3>\u010cern\u00e1 labu\u0165<\/h3>\n<p>Proto\u017ee to, co m\u016f\u017ee ob\u010das nastat, i kdy\u017e j\u00e1 jsem to nikdy nevid\u011bl, je to, \u017ee \u010dlov\u011bk uvid\u00ed \u010dernou labu\u0165.<\/p>\n<p>Te\u010f mi zrovna kolega z Lond\u00fdna pos\u00edlal jednu \u010dernou labu\u0165, kterou tam vyfotil. Na rybn\u00edku p\u0159ed pal\u00e1cem kr\u00e1lovny. Proto\u017ee v\u00ed, \u017ee tuhle prezentaci d\u011bl\u00e1m \u010dasto, tak \u0159\u00edkal: \u201e<em>Vid\u011bl jsem ji v praxi.<\/em>\u201c J\u00e1 je\u0161t\u011b ne, j\u00e1 j\u00ed v\u017edycky vid\u00edm na obr\u00e1zku.<\/p>\n<p>Ale \u010dern\u00e1 labu\u0165 m\u016f\u017ee p\u0159ij\u00edt. A je pot\u0159eba s t\u00edm po\u010d\u00edtat.<\/p>\n<p>M\u016f\u017ee nastat to, \u017ee kdy\u017e budeme m\u00edt v\u0161echna \u201evejce\u201d v jednom ko\u0161\u00edku, v\u0161echno \u0159e\u0161en\u00ed v jednom typu aktiva, nebo v jednom regionu, nebo v jedn\u00e9 m\u011bn\u011b, tak se n\u00e1m ta vaj\u00ed\u010dka m\u016f\u017eou rozsypat. A n\u011bkter\u00e1 rozb\u00edt. Nebo to m\u016f\u017ee b\u00fdt fat\u00e1ln\u011bj\u0161\u00ed a m\u016f\u017eeme p\u0159ij\u00edt o v\u0161echno.<\/p>\n<p>Existuje jedin\u00e9 a jednoduch\u00e9&#8230;<\/p>\n<h2>\u0158e\u0161en\u00ed: Diverzifikovat<\/h2>\n<p>Nakr\u00e1jejte ten kol\u00e1\u010d sv\u00e9ho majetku na r\u016fzn\u00e9 \u010d\u00e1sti. Tady je jeden zp\u016fsob diverzifikace. Kdy\u017e nev\u00edte, co kdo m\u00e1 r\u00e1d na oslav\u011b, tak mu nab\u00eddnete r\u016fzn\u00e1 \u0159e\u0161en\u00ed.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/diverzifikace.jpg\" alt=\"P\u0159\u00edklad diverzifikace\" width=\"743\" height=\"542\" class=\"aligncenter size-full wp-image-1094\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/diverzifikace.jpg 743w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/diverzifikace-300x219.jpg 300w\" sizes=\"(max-width: 743px) 100vw, 743px\" \/><\/p>\n<p>V kone\u010dn\u00e9m d\u016fsledku je to o tom, \u017ee majetek, kol\u00e1\u010d va\u0161eho majetku, vezmete a kr\u00e1j\u00edte ho na r\u016fzn\u00e9 \u010d\u00e1sti.<\/p>\n<p>Kdy\u017e mi uk\u00e1\u017eete va\u0161e portfolio a j\u00e1 si na n\u011bj pust\u00edm r\u016fzn\u00e9 kol\u00e1\u010de rozd\u011blen\u00ed aktiv, rozd\u011blen\u00ed m\u011bn, region\u00e1ln\u00ed rozd\u011blen\u00ed a dal\u0161\u00ed, rozd\u011blen\u00ed podle spr\u00e1vc\u016f t\u0159eba, tak zjist\u00edm, jak je to va\u0161e portfolio stabiln\u00ed a dlouhodob\u011b bezpe\u010dn\u011b investovan\u00e9.<\/p>\n<p>A pozor. Neple\u0165me si to s t\u00edm, \u017ee ceny aktiv jdou nahoru a dol\u016f.<\/p>\n<p>Jasn\u011b. Ceny aktiv jdou nahoru a dol\u016f a to nen\u00ed riziko! To je jasn\u00e1 v\u011bc. To v\u00edme p\u0159edem.<\/p>\n<p><figure id=\"attachment_1095\" aria-describedby=\"caption-attachment-1095\" style=\"width: 300px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/PetrSyrovy-300x215.jpg\" alt=\"\" width=\"300\" height=\"215\" class=\"size-medium wp-image-1095\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/PetrSyrovy-300x215.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/PetrSyrovy.jpg 600w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><figcaption id=\"caption-attachment-1095\" class=\"wp-caption-text\">Mgr. Petr Syrov\u00fd, EFP, EFA<\/figcaption><\/figure> Jak \u0159\u00edk\u00e1 kolega Petr Syrov\u00fd, autor n\u011bkolika knih: \u201e<em>To, \u017ee akcie budou kol\u00edsat, nen\u00ed riziko, proto\u017ee o tom v\u00edme. To, co je riziko, je \u00fapln\u011b n\u011bco jin\u00e9ho. Nen\u00ed to volatilita. Ale to, \u017ee se n\u011bco zm\u011bn\u00ed, s \u010d\u00edm jsme dote\u010f nepo\u010d\u00edtali.<\/em>\u201d<\/p>\n<p>Diverzifikace by m\u011bla b\u00fdt d\u016fle\u017eitou sou\u010d\u00e1st\u00ed toho, co budete d\u011blat se sv\u00fdmi pen\u011bzi.<\/p>\n<p>Stejn\u011b jako n\u011bjak\u00e1 investi\u010dn\u00ed filozofie za t\u00edm va\u0161\u00edm investov\u00e1n\u00edm.<\/p>\n<h2>Filozofie Wealth Protection &#8211; Ochrana Bohatstv\u00ed<\/h2>\n<p>My t\u0159eba pou\u017e\u00edv\u00e1me investi\u010dn\u00ed filozofii <strong>Wealth Protection &#8211; Ochrana Bohatstv\u00ed<\/strong>.<\/p>\n<p>Co znamen\u00e1 Wealth Protection?<\/p>\n<p>Je to jednoduch\u00e9. <strong>Znamen\u00e1 to vyh\u00fdb\u00e1n\u00ed se rizik\u016fm, kter\u00fdm se vyhnout lze.<\/strong><\/p>\n<h3>Velc\u00ed a mal\u00ed spr\u00e1vci<\/h3>\n<p>P\u0159edstavte si, \u017ee m\u016f\u017eete investovat do fond\u016f, kter\u00e9 m\u00e1 na trhu velk\u00fd spr\u00e1vce. Anebo do fond\u016f, kter\u00e9 m\u00e1 mal\u00fd spr\u00e1vce.<\/p>\n<p>Co je rozd\u00edl mezi velk\u00fdm a mal\u00fdm spr\u00e1vcem?<\/p>\n<p>Velk\u00fd spr\u00e1vce spravuje 100 miliard dolar\u016f. Nebo 100 miliard eur pro svoje klienty. Mal\u00fd spr\u00e1vce, mal\u00e1 fondov\u00e1 spole\u010dnost spravuje t\u0159eba 10 miliard, nebo 1 miliardu.<\/p>\n<p>Rozd\u00edl je v jejich ekonomick\u00e9 s\u00edle.<\/p>\n<p>Ten, kdo spravuje 100 miliard, tak m\u00e1 sv\u016fj poplatek \u0159ekn\u011bme 1 % z t\u011bch 100 miliard. A to je 1 miliarda dolar\u016f. Tak\u017ee ten spr\u00e1vce vyd\u011bl\u00e1 ro\u010dn\u011b, m\u00e1 tr\u017eby 1 miliardu dolar\u016f, z nich m\u016f\u017ee platit sv\u016fj t\u00fdm.<\/p>\n<p>Spr\u00e1vce men\u0161\u00ed, kter\u00fd m\u00e1 10 miliard, tak taky vyd\u011bl\u00e1 1 %. Proto\u017ee v investi\u010dn\u00edm byznyse je konkurence velk\u00e1, tak se d\u00e1 p\u0159edpokl\u00e1dat, \u017ee ta \u010d\u00edsla jsou podobn\u00e1.<\/p>\n<p>No ale pokud ten, kdo m\u00e1 10 miliard od klient\u016f, vyd\u011bl\u00e1 1 %, tak nevyd\u011bl\u00e1 jednu miliardu, ale pouze 100 milion\u016f. A co to znamen\u00e1?<\/p>\n<p><strong>Ka\u017ed\u00fd spr\u00e1vce si m\u016f\u017ee dovolit nakoupit jin\u00e9 lidi<\/strong>.<\/p>\n<p>Je\u0161t\u011b jsem ne\u0159ekl, \u017ee ten 100miliardov\u00fd a ten 10miliardov\u00fd pot\u0159ebuj\u00ed na spr\u00e1vu majetku zhruba stejn\u00fd po\u010det lid\u00ed. Nen\u00ed to tak, \u017ee 10 miliardov\u00fd spr\u00e1vce pot\u0159ebuje 10x m\u00e9n\u011b osob na spr\u00e1vu majetku, ne\u017e ten 100 miliardov\u00fd. Ten 100 miliardov\u00fd pot\u0159ebuje mo\u017en\u00e1 1,5x v\u00edc osob, ale ne 10x v\u00edc. Proto m\u016f\u017ee lidem zaplatit v\u00edce.<\/p>\n<p>M\u016fj kamar\u00e1d, Ameri\u010dan, d\u011blal kolem roku 2000 pro st\u0159edn\u011b velkou americkou investi\u010dn\u00ed spole\u010dnost a vyd\u011bl\u00e1val si ro\u010dn\u011b asi 250 tis\u00edc dolar\u016f. Potom z roku na rok p\u0159estoupil k nejv\u011bt\u0161\u00edmu spr\u00e1vci na sv\u011bt\u011b. Staral se o portfolio nejv\u011bt\u0161\u00edho spr\u00e1vce na sv\u011bt\u011b.<\/p>\n<p>Tu\u0161\u00edte, o kolik vzrostl jeho plat? P\u0159esto\u017ee jeho znalosti a kvalita za ten rok se tolik nezm\u011bnila? Vyd\u011bl\u00e1val 1 milion 250 tis\u00edc dolar\u016f. Z roku na rok.<\/p>\n<p>Neznamen\u00e1 to, \u017ee velc\u00ed jsou nejchyt\u0159ej\u0161\u00ed. Spousta mal\u00fdch hr\u00e1\u010d\u016f m\u00e1 u sebe chytr\u00e9 lidi. Ale kdy\u017e p\u0159ijde n\u011bjak\u00fd trabl, tak ti velc\u00ed maj\u00ed v\u011bt\u0161\u00ed s\u00edlu ten trabl vy\u0159e\u0161it.<\/p>\n<p>To, o \u010dem se bav\u00edme je, \u017ee v\u017edycky m\u016f\u017ee p\u0159ij\u00edt n\u011bjak\u00fd trabl. V\u017edycky je dobr\u00e9 p\u0159edpokl\u00e1dat, \u017ee p\u0159ijde n\u011bjak\u00fd probl\u00e9m.<\/p>\n<p>A pak ta Wealth Protection strategie se sna\u017e\u00ed uv\u011bdomit, jak se z toho probl\u00e9mu dostaneme pry\u010d.<\/p>\n<p>Velk\u00fd spr\u00e1vce m\u00e1 10x v\u00edc pen\u011bz, jak to vy\u0159e\u0161it. Neznamen\u00e1 to, \u017ee to vy\u0159e\u0161\u00ed 100% l\u00e9pe ne\u017e ten mal\u00fd. Ale je tam v\u011bt\u0161\u00ed \u0161ance. A proto Wealth Protection strategie preferuje velk\u00e9ho spr\u00e1vce.<\/p>\n<p>Spr\u00e1vc\u016f, kte\u0159\u00ed spravuj\u00ed v\u00edc ne\u017e 100 miliard dolar\u016f, je na sv\u011bt\u011b asi 100. Tak\u017ee je z \u010deho vyb\u00edrat.<\/p>\n<h3>Velk\u00e9 a mal\u00e9 fondy<\/h3>\n<p>Od spr\u00e1vc\u016f se p\u0159esuneme o patro n\u00ed\u017ee a budeme se zaj\u00edmat o fondy.<\/p>\n<p>Kter\u00fd fond jednoho konkr\u00e9tn\u00edho velk\u00e9ho spr\u00e1vce budeme preferovat?\u00a0Budeme si ho vyb\u00edrat podle ratingu? Podle v\u00fdkonnosti? Podle \u010deho ho budete vyb\u00edrat?<\/p>\n<p>Stejn\u011b jako v tom p\u0159edchoz\u00edm p\u0159\u00edkladu, velc\u00ed vs. mal\u00ed spr\u00e1vci, funguje selsk\u00fd rozum i v p\u0159\u00edpadu velk\u00e9 vs. mal\u00e9 fondy. Nebo tzv. ETF, co\u017e jsou fondy jin\u00e9ho typu.<\/p>\n<p>Ka\u017ed\u00fd spr\u00e1vce, stejn\u011b jako ka\u017ed\u00fd jin\u00fd podnikatel, m\u00e1 20 % byznysu, kter\u00fd mu generuje 80 % jeho klient\u016f. A jeho produkt\u016f. Obr\u00e1cen\u011b 80 % byznysu generuje 20 % produkt\u016f.<\/p>\n<p>Proto si vyb\u00edr\u00e1me produkty, kter\u00e9 jsou d\u016fle\u017eit\u00e9 pro toho samotn\u00e9ho spr\u00e1vce.<\/p>\n<p>V letech 1995 &#8211; 2002 jsem byl sou\u010d\u00e1st\u00ed sv\u011btov\u00e9ho managementu fond\u016f Pioneer Investments.\u00a0 N\u011bkolikr\u00e1t jsme se potkali, asi 30 lid\u00ed, na n\u011bjak\u00e9m offsitu. Lid\u00e9 z cel\u00e9ho sv\u011bta. Tam jsme diskutovali o tom, co na\u0161e firma jako takov\u00e1, velk\u00fd spr\u00e1vce, bude d\u011blat.<\/p>\n<p>P\u0159esto\u017ee jsme m\u011bli v nab\u00eddce stovky fond\u016f, tak jsme se bavili o kolika z nich? Co mysl\u00edte?<\/p>\n<p>O 5 a\u017e o 7. O p\u011bti a\u017e sedmi t\u011bch nejv\u011bt\u0161\u00edch produktech, kter\u00e9 jsme jako podnikatel\u00e9 m\u011bli v nab\u00eddce.<\/p>\n<p>O ty dal\u0161\u00ed stovky se tak\u00e9 n\u011bkdo staral. Ale bylo to star\u00e1n\u00ed se o \u00farove\u0148 n\u00ed\u017ee.<\/p>\n<p>A mal\u00fdm fond\u016fm, v\u011b\u0159te mi, se nev\u011bnuje skoro nikdo. Ty se otev\u0159ou, uvid\u00edme, jestli se napln\u00ed, a pokud budou dostate\u010dn\u011b velk\u00e9, budeme se jim v\u011bnovat.<\/p>\n<p>Pro\u010d je dobr\u00e9 m\u00edt ty velk\u00e9 fondy u velk\u00fdch spr\u00e1vc\u016f, a ne ty jejich mal\u00e9 fondy? Proto\u017ee <strong>m\u00e1me \u0159e\u0161en\u00ed, kdy\u017e p\u0159ijde trabl<\/strong>. To je ot\u00e1zka, na kterou se pt\u00e1, strategie Wealth Protection.<\/p>\n<p>Velk\u00fd fond velk\u00e9ho spr\u00e1vce bude \u0159e\u0161it ten nejvy\u0161\u0161\u00ed, nemysl\u00edm \u00fapln\u011b nejvy\u0161\u0161\u00ed, ale mysl\u00edm v pozemsk\u00e9m sv\u011bt\u011b,\u00a0 nejvy\u0161\u0161\u00ed sv\u011btov\u00fd management. Jestli\u017ee fond,<br \/>\nkter\u00fd je d\u016fle\u017eit\u00fd a d\u011bl\u00e1 10 % byznysu dan\u00e9ho spr\u00e1vce, m\u00e1 n\u011bjak\u00fd probl\u00e9m, tak to bude nejvy\u0161\u0161\u00ed sv\u011btov\u00fd management \u0159e\u0161it.<\/p>\n<p>Vy\u0159e\u0161\u00ed to s maxim\u00e1ln\u00edm d\u016frazem, proto\u017ee, kdy\u017e to nevy\u0159e\u0161\u00ed, riskuje 10 % byznysu. To je velk\u00e9 reputa\u010dn\u00ed riziko.<\/p>\n<p>Kdy\u017e je to mal\u00fd fond, mal\u00fd spr\u00e1vce, nebo mal\u00fd fond velk\u00e9ho spr\u00e1vce, tak to \u0159e\u0161\u00ed \u00fa\u0159edn\u00edk na \u00farovni 5. Kdy\u017e nem\u00e1 v\u00fdkonnost, tak se slou\u010d\u00ed s n\u011bjak\u00fdm jin\u00fdm fondem.<\/p>\n<p>Takhle to funguje. A je to byznys jako ka\u017ed\u00fd jin\u00fd. A je dobr\u00fd pou\u017e\u00edt selsk\u00fd rozum.<\/p>\n<p>Tak\u017ee Wealth Protection chce nejenom velk\u00e9 spr\u00e1vce, ale t\u0159eba velk\u00e9 produkty.<\/p>\n<h3>\u010c\u00edna, Rusko, \u010cesk\u00e1 republika nebo USA?<\/h3>\n<p>Dal\u0161\u00ed p\u0159\u00edklad Wealth Protection je, ob\u010das se n\u00e1s n\u011bkdo pt\u00e1, jestli investujeme t\u0159eba do \u010d\u00ednsk\u00fdch akci\u00ed.\u00a0V \u010c\u00edn\u011b vznik\u00e1 nov\u00e1 st\u0159edn\u00ed t\u0159\u00edda, pom\u011brn\u011b velk\u00e1 a m\u016f\u017ee to b\u00fdt docela zaj\u00edmav\u00fd potenci\u00e1l.<\/p>\n<p>A na\u0161e odpov\u011b\u010f je, \u017ee neinvestujeme do \u010d\u00ednsk\u00fdch akci\u00ed, ale investujeme do toho r\u016fstov\u00e9ho potenci\u00e1lu \u010d\u00ednsk\u00e9ho trhu t\u00edm, \u017ee si nakupujeme akcie Applu, McDonads a dal\u0161\u00edch firem, kter\u00e9 se na tom trhu tak\u00e9 sna\u017e\u00ed p\u016fsobit.\u00a0Kdy\u017e si koup\u00edme akcie Applu a tomu se v \u010c\u00edn\u011b n\u011bjak\u00fdm zp\u016fsobem nebude da\u0159it, tak to pro n\u011bj nen\u00ed fat\u00e1ln\u00ed a nen\u00ed to z\u00e1sadn\u00ed pr\u016f\u0161vih.<\/p>\n<p>Kde\u017eto kdy\u017e si koup\u00edm\u00a0 \u010d\u00ednskou akcii tak m\u016f\u017eu riskovat to, \u017ee najednou ze dne na den zmiz\u00ed kv\u016fli podez\u0159en\u00ed z korupce. A cel\u00fd ten byznys m\u016f\u017ee p\u0159estat existovat. Nebo \u017ee v Rusku bude m\u016fj pod\u00edl zn\u00e1rodn\u011bn.<\/p>\n<p>Tohle je n\u011bkolik p\u0159\u00edklad\u016f, jak p\u0159em\u00fd\u0161let o Wealth Protection.<\/p>\n<h3>Kdo a jak to bude \u0159e\u0161it?<\/h3>\n<p>V\u017edycky p\u0159em\u00fd\u0161lejte o tom, jak\u00e1 rizika m\u016f\u017eou b\u00fdt v dan\u00e9m produktu, regionu, v dan\u00e9 situaci. A jak se jim asi vyhneme.<\/p>\n<p>Co kdy\u017e p\u0159ijde probl\u00e9m? Jak ho budeme \u0159e\u0161it?<\/p>\n<p>Budu ho \u0159e\u0161it j\u00e1 Vladim\u00edr a je\u0161t\u011b jeden m\u016fj kamar\u00e1d, proto\u017ee v tom fondu je celkem 5 milion\u016f euro a a to nikoho nezaj\u00edm\u00e1? Proto\u017ee je moc mal\u00fd? Nebo ho bude \u0159e\u0161it cel\u00fd sv\u011bt?<\/p>\n<p>V angli\u010dtin\u011b se \u0159\u00edk\u00e1: \u201etoo big to fail\u201d. P\u0159\u00edli\u0161 velk\u00fd na to, aby zkrachoval. V \u010de\u0161tin\u011b by se dalo \u0159\u00edct: \u201eCo je velk\u00e9, to je hezk\u00e9.\u201c \u010cesk\u00e9 p\u0159\u00edslov\u00ed je trochu jin\u00e9, ale pro Wealth Protection plat\u00ed: Co je velk\u00e9, to je hezk\u00e9.<\/p>\n<p>Tak\u017ee v\u017edycky o riziku p\u0159em\u00fd\u0161lejte. Nen\u00ed to tak, \u017ee investov\u00e1n\u00ed je bez rizik. Ale nen\u00ed to tak, \u017ee by se jim nedalo vyhnout.<\/p>\n<p>Kdy\u017e v\u00edte, do \u010deho jdete, kdy\u017e se vyh\u00fdb\u00e1te emoc\u00edm, pl\u00e1nujete rentu v dne\u0161n\u00edch cen\u00e1ch a d\u00e1v\u00e1te si pozor na inflaci, diverzifikujete a vyu\u017e\u00edv\u00e1te Wealth Protection strategii, investov\u00e1n\u00ed nen\u00ed nic slo\u017eit\u00e9ho.<\/p>\n<h2>4. riziko &#8211; Nesplnit sv\u016fj c\u00edl<\/h2>\n<p>T\u00edm skute\u010dn\u00fdm rizikem pro v\u00e1s je, \u017ee nespln\u00edte c\u00edl renty.\u00a0To, co jednoho dne chcete.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/financni-nezavislost.jpg\" alt=\"\" width=\"612\" height=\"322\" class=\"aligncenter size-full wp-image-1097\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/financni-nezavislost.jpg 612w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/financni-nezavislost-300x158.jpg 300w\" sizes=\"(max-width: 612px) 100vw, 612px\" \/><\/p>\n<p>To, \u017ee jednoho dne nebudete muset do pr\u00e1ce, a p\u0159esto v\u00e1m na \u00fa\u010det p\u0159ijde stejn\u011b, kolik chcete.<\/p>\n<p>Samoz\u0159ejm\u011b do pr\u00e1ce m\u016f\u017eete. V\u011bt\u0161ina lid\u00ed, i kdy\u017e prod\u00e1 svoje firmy, tak jde do pr\u00e1ce znovu. Nen\u00ed to o tom, \u017ee nechod\u00ed. Ale nemus\u00ed! To je ten velk\u00fd rozd\u00edl.<\/p>\n<p><a href=\"https:\/\/www.investguru.cz\/cs\/do-ceho-investovat\/\">Do \u010deho konkr\u00e9tn\u011b investovat a jak diverzifikovat na cest\u011b k rent\u011b si \u0159ekneme v n\u00e1sleduj\u00edc\u00edm videu.<\/a><\/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>Investice bez rizika neexistuje. Tady jsou 4 nebezpe\u010d\u00ed, kter\u00e1 by nikdo nem\u011bl podce\u0148ovat.<\/p>\n","protected":false},"author":2,"featured_media":1091,"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],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jak na cest\u011b k rent\u011b investovat co nejbezpe\u010dn\u011bji - 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\/jak-investovat-nejbezpecneji\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak investovat co nejbezpe\u010dn\u011bji, abyste se stali renti\u00e9ry\" \/>\n<meta property=\"og:description\" content=\"Tady jsou 4 nebezpe\u010d\u00ed, kter\u00e1 by nikdo nem\u011bl podce\u0148ovat.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\" \/>\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:published_time\" content=\"2020-06-16T11:43:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-06-23T10:53:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/ig-investovat-bezpecne-social.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Vladim\u00edr Fichtner\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Vladim\u00edr Fichtner\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"20 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\"},\"author\":{\"name\":\"Vladim\u00edr Fichtner\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/e5835533bc569b1026f8e75c9e10af04\"},\"headline\":\"Jak na cest\u011b k rent\u011b investovat co nejbezpe\u010dn\u011bji\",\"datePublished\":\"2020-06-16T11:43:10+00:00\",\"dateModified\":\"2020-06-23T10:53:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\"},\"wordCount\":3911,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/ig-investovat-bezpecne-blog.jpg\",\"keywords\":[\"renta\",\"renti\u00e9r\"],\"articleSection\":[\"Video tipy\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\",\"name\":\"Jak na cest\u011b k rent\u011b investovat co nejbezpe\u010dn\u011bji - 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