{"id":1101,"date":"2020-06-18T13:00:04","date_gmt":"2020-06-18T11:00:04","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1101"},"modified":"2020-06-23T12:42:43","modified_gmt":"2020-06-23T10:42:43","slug":"do-ceho-investovat","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/do-ceho-investovat\/","title":{"rendered":"Do \u010deho konkr\u00e9tn\u011b investovat na cest\u011b k rent\u011b"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/1ih4XeFV-Z4?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>Spousta lid\u00ed sn\u00ed o tom, \u017ee by jednoho dne mohli dos\u00e1hnout finan\u010dn\u00ed nez\u00e1vislosti. Kam tedy investovat sv\u00e9 pen\u00edze, aby se tento sen stal realitou?<\/p>\n<p>Do byznysu? Do nemovitost\u00ed? Do akci\u00ed? Do dluhopis\u016f? Na spo\u0159\u00edc\u00ed \u00fa\u010det?<\/p>\n<p>Odpov\u011bdi, kter\u00e9 se dozv\u00edte v tomto \u010dl\u00e1nku, v\u00e1s mo\u017en\u00e1 p\u0159ekvap\u00ed. <\/p>\n<h2>Jak NEinvestovat<\/h2>\n<p>Ne\u017e se pust\u00edme do toho, do \u010deho investovat, v\u00e1m \u0159eknu jak si nevyb\u00edrat produkty, do kter\u00fdch budete investovat.<\/p>\n<p>\u010casto se n\u00e1s lid\u00e9 ptaj\u00ed: <em>\u201eDo \u010deho m\u00e1m investovat? Jak\u00fd produkt je pro mn\u011b nejlep\u0161\u00ed?\u201d<\/em><\/p>\n<p>Na\u0161e odpov\u011b\u010f je: <em>\u201eTo nem\u016f\u017eeme \u0159\u00edct, dokud nesestav\u00edme spolu strategii. Dokud ned\u00e1me dohromady v\u00e1\u0161 investi\u010dn\u00ed pl\u00e1n. A\u017e z toho, co vyjde na konci, do toho pl\u00e1nu budeme montovat ty spr\u00e1vn\u00e9 produkty. Aby produkty odpov\u00eddaly pl\u00e1nu.\u201c<\/em><\/p>\n<p>Tak\u017ee dejte si pozor na to, abyste neza\u010d\u00ednali investovat t\u00edm, \u017ee za\u010dnete vyb\u00edrat produkty. To je velk\u00e1 strategick\u00e1 chyba.<\/p>\n<p>Poj\u010fme ale k tomu, do \u010deho investovat&#8230;<\/p>\n<h2>Optim\u00e1ln\u00ed struktura majetku<\/h2>\n<p>Je dobr\u00e9 se na <a href=\"https:\/\/www.investguru.cz\/cs\/optimalni-struktura-majetku\/\" target=\"_blank\" rel=\"noopener noreferrer\">strukturu majetku<\/a> pod\u00edvat z glob\u00e1ln\u00edho pohledu. Zjednodu\u0161en\u011b a selsk\u00fdm rozumem rozd\u011blte sv\u00e9 pen\u00edze do r\u016fzn\u00fdch typ\u016f aktiv. <\/p>\n<p><a href=\"https:\/\/www.investguru.cz\/cs\/optimalni-struktura-majetku\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"1304\" height=\"604\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-1.png\" alt=\"Optim\u00e1ln\u00ed struktura majetku\" class=\"aligncenter size-large wp-image-1111\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-1.png 1304w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-1-300x139.png 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-1-1024x474.png 1024w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-1-768x356.png 768w\" sizes=\"(max-width: 1304px) 100vw, 1304px\" \/><\/a><\/p>\n<p>Finan\u010dn\u00ed aktiva jako jsou fondy, dluhopisy, akci a podobn\u011b. Jedna t\u0159etina.<\/p>\n<p>Druh\u00e1 t\u0159etina nemovitosti na pron\u00e1jem.<\/p>\n<p>A ta t\u0159et\u00ed t\u0159etina m\u016f\u017ee b\u00fdt v\u00e1\u0161 byznys.<\/p>\n<p>Pokud nem\u00e1te byznys, rozd\u011blte sv\u016fj majetek nebo c\u00edlov\u00fd stav sv\u00e9ho majetku, kter\u00fd v\u00e1m jednoho dne bude p\u0159in\u00e1\u0161et rentu, na polovinu. Mezi finan\u010dn\u00ed aktiva a nemovitosti na pron\u00e1jem.<\/p>\n<p>To nen\u00ed v\u016fbec \u0161patn\u00fd za\u010d\u00e1tek jak za\u010d\u00edt investovat.<\/p>\n<h2>Jak se o sv\u00e9 pen\u00edze staraj\u00ed nejbohat\u0161\u00ed lid\u00e9 sv\u011bta<\/h2>\n<p>Inspirac\u00ed pro to jak to m\u016f\u017eete d\u011blat do v\u011bt\u0161\u00edho detailu pro v\u00e1s m\u016f\u017ee b\u00fdt velmi zaj\u00edmav\u00fd report, kter\u00fd ka\u017ed\u00fd rok publikuje spole\u010dnost CapGemini a RBC Wealth Management.<\/p>\n<p>Ten report se jmenuje <a href=\"https:\/\/worldwealthreport.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">World Wealth Report<\/a> &#8211; Sv\u011btov\u00fd report bohatstv\u00ed. A v n\u011bm najdete mnoh\u00e9 grafy a zaj\u00edmavou inspiraci toho, jak se o svoje pen\u00edze staraj\u00ed ti nejbohat\u0161\u00ed lid\u00e9 sv\u011bta.<\/p>\n<p>Pokud V\u00e1s zaj\u00edm\u00e1 detail, st\u00e1hn\u011bte si cel\u00fd report. Pokud chcete to hlavn\u00ed, tak m\u016f\u017eete vych\u00e1zet z n\u00e1sleduj\u00edc\u00edho rozd\u011blen\u00ed pen\u011bz bohat\u00fdch lid\u00ed.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" width=\"617\" height=\"464\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-2.png\" alt=\"Rozd\u011blen\u00ed majetku nejbohat\u0161\u00edch lid\u00ed sv\u011bta\" class=\"aligncenter size-full wp-image-1112\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-2.png 617w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/do-ceho-investovat-2-300x226.png 300w\" sizes=\"(max-width: 617px) 100vw, 617px\" \/><\/p>\n<p>Akcie a podobn\u00e9 investice 38 %, reality 19 %, spo\u0159\u00edc\u00ed \u00fa\u010dty a dluhopisy zbytek toho kol\u00e1\u010de.<\/p>\n<p>V tuto chv\u00edli, proto\u017ee dluhopisy maj\u00ed velmi n\u00edzk\u00e9 v\u00fdnosy, tak i bohat\u00ed lid\u00e9 preferuj\u00ed v\u00edce spo\u0159\u00edc\u00ed \u00fa\u010dty a vklady ne\u017e dluhopisy.\u00a0A \u010dekaj\u00ed na p\u0159\u00edle\u017eitost, kterou p\u0159inesou do budoucna vy\u0161\u0161\u00ed \u00farokov\u00e9 sazby. Proto\u017ee standardn\u011b v dluhopisech to maj\u00ed lid\u00e9 v\u00edce pen\u011bz na \u00fakor pr\u00e1v\u011b spo\u0159\u00edc\u00edch \u00fa\u010dt\u016f.<\/p>\n<p>Tak\u017ee sv\u011btov\u00fd report bohatstv\u00ed m\u016f\u017ee b\u00fdt jednou zaj\u00edmavou inspirac\u00ed.<\/p>\n<h2>Finan\u010dn\u00ed inspirace z nadace Alfreda Nobela<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/alfred-nobel-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" class=\"alignright size-medium wp-image-1113\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/alfred-nobel-300x200.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/alfred-nobel-768x513.jpg 768w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/alfred-nobel.jpg 780w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Dal\u0161\u00ed zaj\u00edmavou inspiraci m\u016f\u017ee p\u0159in\u00e1\u0161et nadace Alfreda Nobela, kter\u00e9ho m\u00e1me tady na obr\u00e1zku na jeho pam\u011btn\u00ed minci.<\/p>\n<p>Nobelova nadace je zaj\u00edmav\u00e1 v tom, \u017ee m\u00e1 velmi spole\u010dn\u00e9 s renti\u00e9ry a budouc\u00edmi renti\u00e9ry.<\/p>\n<ul>\n<li>P\u0159em\u00fd\u0161l\u00ed toti\u017e v des\u00edtk\u00e1ch let dop\u0159edu.<\/li>\n<li>Chce dlouhodob\u011b vyd\u011bl\u00e1vat 5 &#8211; 6 % ro\u010dn\u011b<\/li>\n<li>Utr\u00e1c\u00ed zhruba 3 % ro\u010dn\u011b<\/li>\n<li>D\u00e1v\u00e1 pozor na dan\u011b<\/li>\n<li>V\u011bt\u0161inu pen\u011bz nem\u00e1 investovanou doma ve \u0160v\u00e9dsku, ale ve sv\u011bt\u011b.<\/li>\n<li>Co je tak\u00e9 d\u016fle\u017eit\u00e9, \u017ee pou\u017e\u00edv\u00e1 pro investov\u00e1n\u00ed strategii Wealth Protection, aby se o majetek starala dlouhodob\u00e9m horizontu co nejbezpe\u010dn\u011bj\u0161\u00ed mo\u017enou cestou.<\/li>\n<\/ul>\n<p>Takhle vypad\u00e1 portfolio Nobelovy nadace. <\/p>\n<figure id=\"attachment_1114\" aria-describedby=\"caption-attachment-1114\" style=\"width: 760px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/nobelova-nadace.png\" alt=\"\" width=\"760\" height=\"511\" class=\"size-full wp-image-1114\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/nobelova-nadace.png 760w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/nobelova-nadace-300x202.png 300w\" sizes=\"(max-width: 760px) 100vw, 760px\" \/><figcaption id=\"caption-attachment-1114\" class=\"wp-caption-text\">Portfolio Nobelovy nadace, zdroj: V\u00fdro\u010dn\u00ed zpr\u00e1va za rok 2016<\/figcaption><\/figure>\n<p>V akciov\u00fdch investic\u00edch je 50 %, v dluhopisech 17 %, v alternativn\u00edch investic\u00edch 33 %.<\/p>\n<h2>V\u0161ichni maj\u00ed akcie?!<\/h2>\n<p>Na t\u011bchto dvou kol\u00e1\u010d\u00edch vid\u00edte, \u017ee nejbohat\u0161\u00ed lid\u00e9 sv\u011bta maj\u00ed v akci\u00edch 38 %. Nobelova nadace 50 %. Co t\u00edm chci \u0159\u00edct?<\/p>\n<p>Samoz\u0159ejm\u011b jsou v obou skupin\u00e1ch ur\u010dit\u00e9 rozd\u00edly. Ale nen\u00ed to tak, \u017ee by v akci\u00edch m\u011bly 0 %. Ani v nich nemaj\u00ed 100 %. T\u0159etinu, mo\u017en\u00e1 dv\u011b t\u0159etiny, je zhruba rozp\u011bt\u00ed, kde byste se asi do budoucna m\u011bli tak\u00e9 pohybovat.<\/p>\n<p>Ale to v\u0161echno z\u00e1le\u017e\u00ed na va\u0161em investi\u010dn\u00edm pl\u00e1nu. Na tom, co je pot\u0159eba sestavit d\u0159\u00edve, ne\u017e budete vypl\u0148ovat produkty.<\/p>\n<p>Pro\u010d tam akcie jsou?<\/p>\n<p>Mnoz\u00ed lid\u00e9 v \u010cech\u00e1ch akcie nemaj\u00ed, neinvestuj\u00ed do nich, nebo nev\u00ed, jak do nich investovat. \u010casto je to proto, \u017ee jim jejich bank\u00e9\u0159i nebo poradci neum\u00ed vysv\u011btlit jejich chov\u00e1n\u00ed a jejich d\u016fle\u017eitost v portfoliu. Na to je pot\u0159eba si d\u00e1t pozor.<\/p>\n<h2>Kdy\u017e nem\u00e1te akcie, neinvestujete dlouhodob\u011b bezpe\u010dn\u011b<\/h2>\n<p>Proto\u017ee i Nobelova nadace za\u017eila zaj\u00edmavou story. Ze za\u010d\u00e1tku investovala bez akci\u00ed. Alfred Nobel zem\u0159el v roce 1872 a odk\u00e1zal sv\u00e9 nadaci pen\u00edze.<\/p>\n<p>Ve sv\u00e9m odkazu \u0159\u00edkal d\u016fle\u017eitou v\u011bc : \u201e<em>Starejte se a odm\u011b\u0148ujte ty, kte\u0159\u00ed lidstvo budou posouvat vp\u0159ed. Ale z\u00e1rove\u0148 pen\u00edze, kter\u00e9 do nadace vkl\u00e1d\u00e1m, ned\u00e1vejte nikam jinam ne\u017e do dluhopis\u016f, nemovitost\u00ed a hotovosti.<\/em>\u201c (Interpretace autora.)<\/p>\n<p>To jsou investice, kter\u00e9 v t\u00e9 dob\u011b, na za\u010d\u00e1tku 20. stolet\u00ed byly vlastn\u011b pova\u017eov\u00e1ny za bezpe\u010dn\u00e9.<\/p>\n<p>Nobelova nadace to d\u011blala dlouhou dobu, a\u017e do 40. let minul\u00e9ho stolet\u00ed. Ale postupn\u011b vlastn\u011b zjistila, \u017ee kdy\u017e nem\u00e1 akcie, hodnota t\u011bch cen, kter\u00e1 vypl\u00e1c\u00ed, je \u010d\u00edm d\u00e1l t\u00edm ni\u017e\u0161\u00ed.<\/p>\n<p>Proto\u017ee se sni\u017eovaly \u00farokov\u00e9 sazby, situace byla podobn\u00e1 dne\u0161n\u00ed dob\u011b, kdy jsou \u00farokov\u00e9 sazby velmi n\u00edzk\u00e9. Na term\u00ednovan\u00fdch vkladech a dluhopisech se ned\u00e1 moc vyd\u011bl\u00e1vat. Inflace byla tak\u00e9 vysok\u00e1.<\/p>\n<h3>Nobelova nadace nebyla bez akci\u00ed schopn\u00e1 ochr\u00e1nit sv\u016fj majetek<\/h3>\n<p>Nobelova nadace najednou zjistila, \u017ee nen\u00ed schopn\u00e1 ochr\u00e1nit majetek p\u0159ed poklesem. A proto vypl\u00e1cela \u010d\u00edm d\u00e1l t\u00edm men\u0161\u00ed objem pen\u011bz v\u00fdherc\u016fm nebo laure\u00e1t\u016fm Nobelovy ceny.<\/p>\n<p>To se zm\u011bnilo v roce tu\u0161\u00edm 1950 nebo 1951, kdy Nobelova nadace si \u0159ekla: \u201e<em>Bu\u010f budeme pokra\u010dovat stejn\u00fdm zp\u016fsobem a budeme dodr\u017eovat odkaz Alfreda Nobela v tom, \u017ee budeme respektovat<\/em><br \/>\n<em>investice pouze do hotovosti, dluhopis\u016f nebo realit. Anebo p\u0159id\u00e1me do portfolia i akciov\u00e9 strategie. Oni n\u00e1m pom\u016f\u017eou hodnotu toho majetku l\u00e9pe udr\u017eovat v re\u00e1ln\u00e9m vyj\u00e1d\u0159en\u00ed.<\/em>\u201d (Interpretace autora.)<\/p>\n<figure id=\"attachment_1116\" aria-describedby=\"caption-attachment-1116\" style=\"width: 666px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/nobelova-nadace-2.png\" alt=\"V\u00fd\u0161e odm\u011bny vypl\u00e1cen\u00e1 Nobelovou nadac\u00ed\" width=\"666\" height=\"375\" class=\"size-full wp-image-1116\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/nobelova-nadace-2.png 666w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/nobelova-nadace-2-300x169.png 300w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><figcaption id=\"caption-attachment-1116\" class=\"wp-caption-text\">Zdroj: <a href=\"https:\/\/www.nobelprize.org\/\">Nobelprize.org<\/a><\/figcaption><\/figure>\n<p>Nobelova nadace od t\u00e9 doby m\u00e1 ve sv\u00e9m statutu, \u017ee investuje zhruba 50 % do akciov\u00fdch strategi\u00ed. D\u00edky investic\u00edm do akci\u00ed se u\u017e od 70 let prudce za\u010dal zvy\u0161ovat objem pen\u011bz, kter\u00e9 je mo\u017en\u00e9 znovu vypl\u00e1cet laure\u00e1t\u016fm Nobelov\u00fdch cen.<\/p>\n<p>A je jasn\u00e9, \u017ee Nobelova nadace m\u00e1 p\u0159ed sebou rozumnou finan\u010dn\u00ed budoucnost.<\/p>\n<p>Tak\u017ee nezapom\u00ednejte na akcie. Je to velmi podstatn\u00e1 sou\u010d\u00e1st produkt\u016f, kter\u00e9 byste m\u011bli v portfoliu jednoho dne m\u00edt.<\/p>\n<h2>Akcie jsou medi\u00e1ln\u011b zaj\u00edmav\u00e9 &#8211; a to je nebezpe\u010d\u00ed<\/h2>\n<p>U t\u011bch akciov\u00fdch strategi\u00ed je d\u016fle\u017eit\u00e9 si uv\u011bdomit jednu v\u011bc. \u010casto o nich sly\u0161\u00edte r\u016fzn\u011b emo\u010dn\u011b nalad\u011bn\u00e9 p\u0159\u00edb\u011bhy. Akcie vyrostly, akcie dramaticky spadly. Jsou toho pln\u00e1 m\u00e9dia. \u010clov\u011bk m\u016f\u017ee p\u0159i investic\u00edch do akci\u00ed b\u00fdt v\u00edce emo\u010dn\u011b zraniteln\u00fd. Pov\u00eddali jsme si o tom u\u017e <a href=\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\">p\u0159edchoz\u00edm videu<\/a>.<\/p>\n<p>Podstatn\u00e9 je ale tak\u00e9 v\u011bd\u011bt, \u017ee dlouhodob\u011b akcie vyd\u011bl\u00e1vaj\u00ed nejv\u00edce.<\/p>\n<p>Pro\u010d tomu tak je?<\/p>\n<p>No proto\u017ee akciov\u00e9 strategie investuj\u00ed do akci\u00ed. Investuj\u00ed do firem. Firmy vyd\u011bl\u00e1vaj\u00ed na tom, \u017ee si kupujeme jejich produkty.<\/p>\n<p>Pro\u010d jsou nejv\u011bt\u0161\u00ed firmy ty nej\u00fasp\u011b\u0161n\u011bj\u0161\u00ed? Apple, McDonalds, Microsoft a dal\u0161\u00ed?<\/p>\n<p>No proto\u017ee si ka\u017ed\u00fd den kupujeme jejich produkty. Proto\u017ee se sna\u017e\u00ed inovovat. Proto\u017ee se sna\u017e\u00ed nab\u00edzet sv\u00e9 produkty \u0161ir\u0161\u00edmu a \u0161ir\u0161\u00edmu spektru lid\u00ed.<\/p>\n<p>A proto\u017ee nejenom Ameri\u010dan\u00e9 nebo Evropan\u00e9, ale dneska u\u017e spousta \u010c\u00ed\u0148an\u016f a dal\u0161\u00edch n\u00e1rod\u016f sv\u011bta bohatne. Proto firmy, kter\u00e9 maj\u00ed produkty, kter\u00e9 jsou pro lidi zaj\u00edmav\u00e9, tak\u00e9 bohatnou. A d\u00edky tomu akciov\u00e9 strategie zaj\u00edmav\u011b funguj\u00ed. Proto\u017ee investuj\u00ed do t\u011bchto firem.<\/p>\n<p>Akcie ale je pot\u0159eba pou\u017e\u00edvat pro sv\u00e9 dlouhodob\u00e9 c\u00edle.<\/p>\n<h2>Akcie nepou\u017e\u00edvejte na kr\u00e1tkodob\u00e9 c\u00edle<\/h2>\n<p>Pokud m\u00e1te n\u011bjak\u00fd c\u00edl, kter\u00fd p\u0159ich\u00e1z\u00ed za 1, 2, 5 let, tak produkt, kter\u00fd je akciov\u00fd, nen\u00ed nic pro v\u00e1s. Vyhn\u011bte se mu.<\/p>\n<p>Akciov\u00e9 strategie jsou pro dlouhodob\u011bj\u0161\u00ed investice. Pokud chcete rentu za 10, 15, 20 let. Tak mus\u00ed b\u00fdt akciov\u00e9 strategie sou\u010d\u00e1st\u00ed va\u0161eho \u0159e\u0161en\u00ed.<\/p>\n<p>Pokud ale m\u00e1te kr\u00e1tkodob\u00e9 produkty nebo kr\u00e1tkodob\u00e9 c\u00edle, pro n\u011b pot\u0159ebujete kr\u00e1tkodob\u00e9 produkty. Mus\u00ed to j\u00edt ruku v ruce.<\/p>\n<p>U t\u011bch kr\u00e1tkodob\u00fdch c\u00edl\u016f volatilita akci\u00ed (to, \u017ee akcie jdou nahoru a dol\u016f v cen\u011b) m\u016f\u017ee b\u00fdt velmi nebezpe\u010dn\u00e1.<\/p>\n<p>Proto\u017ee kdy\u017e chcete za dva roky poslat d\u00edt\u011b na rok vysok\u00e9 \u0161koly do zahrani\u010d\u00ed, budete k tomu pot\u0159ebovat 0,5 milionu a \u0159eknete si: \u201e<em>Tak tady m\u00e1m 0,5 milionu a ulo\u017e\u00edm je do akci\u00ed.<\/em>\u201c M\u016f\u017ee se st\u00e1t, \u017ee v tom obdob\u00ed, kter\u00e9 ute\u010de mezi t\u00edm, ne\u017e ten c\u00edl se napln\u00ed, dojde k poklesu akciov\u00fdch trh\u016f.<\/p>\n<p>A vy u pen\u011bz, kter\u00e9 m\u00e1te na studia d\u011bt\u00ed najednou zjist\u00edte, \u017ee maj\u00ed hodnotu polovi\u010dn\u00ed. A \u017ee budete muset n\u011bkde dosypat, aby d\u00edt\u011b mohlo j\u00edt studovat. Anebo mu \u0159\u00edct, \u017ee mus\u00ed j\u00edt je\u0161t\u011b na brig\u00e1du, aby si n\u011bco p\u0159ivyd\u011blalo. To nen\u00ed \u0161patn\u011b, ale akciov\u00e9 strategie, kdy\u017e vyberete v nevhodnou chv\u00edli, tak samoz\u0159ejm\u011b nep\u0159in\u00e1\u0161\u00ed to, co by m\u011bly p\u0159in\u00e1\u0161et dlouhodob\u011b.<\/p>\n<p>Tak\u017ee akciov\u00e9 strategie pou\u017e\u00edvejte dlouhodob\u011b. V tu chv\u00edli jsou bezpe\u010dn\u00e9. Kr\u00e1tkodob\u011b jsou nebezpe\u010dn\u00e9. Na to je pot\u0159eba d\u00e1vat pozor.<\/p>\n<h2>Rozkl\u00e1dejte riziko a chra\u0148te sv\u00e9 bohatstv\u00ed<\/h2>\n<p>Dal\u0161\u00ed d\u016fle\u017eitou v\u011bc, kterou u produkt\u016f je pot\u0159eba respektovat, je d\u016fsledn\u00e1 diverzifikace. Vyb\u00edr\u00e1n\u00ed produkt\u016f podle strategie Wealth Protection. Neboli strategie Ochrany bohatstv\u00ed.<\/p>\n<p>Co to znamen\u00e1?<\/p>\n<p>S\u00e1zet na to, \u017ee najdete jedin\u00fd produkt, kter\u00fd m\u00e1 v\u0161echny plusy a nem\u00e1 \u017e\u00e1dn\u00e9 m\u00ednusy, \u017ee um\u00ed jenom to nejlep\u0161\u00ed a nem\u00e1 \u017e\u00e1dn\u00e9 nev\u00fdhody, je nebezpe\u010dn\u00e9 a \u0159ekl bych t\u00e9m\u011b\u0159 bl\u00e1zniv\u00e9.<\/p>\n<p>Je pot\u0159eba si uv\u011bdomit, \u017ee ka\u017ed\u00fd produkt m\u016f\u017ee m\u00edt sv\u00e9 trable. A podle toho je pot\u0159eba k t\u011bm produkt\u016fm p\u0159istupovat.<\/p>\n<p>Vezmeme si portfolio finan\u010dn\u00ed, kter\u00e9 m\u00e1te n\u011bjak\u00fdm zp\u016fsobem m\u00edt rozd\u011blen\u00e9.<\/p>\n<h3>Kolik akci\u00ed, dluhopis\u016f a hotovosti m\u00e1m m\u00edt v portfoliu?<\/h3>\n<p>Jakou v\u00e1hu akci\u00ed, dluhopis\u016f a hotovosti ve sv\u00e9m portfoliu m\u00e1te, \u0159e\u0161te p\u0159edev\u0161\u00edm podle toho, jak\u00fd \u010dasov\u00fd horizont c\u00edl\u016f m\u00e1te p\u0159ed sebou.<\/p>\n<p>A tak\u00e9 podle toho jak\u00fd m\u00e1te rizikov\u00fd profil. Ten najdete v investi\u010dn\u00edm pl\u00e1nu. Ten najdete v r\u016fzn\u00fdch investi\u010dn\u00edch dotazn\u00edc\u00edch. M\u00e1te \u0161anci se s n\u00edm sezn\u00e1mit u bank\u00e9\u0159\u016f, poradc\u016f nebo tak\u00e9 ve vzd\u011bl\u00e1vac\u00edm programu InvestGuru.<\/p>\n<h3>V\u00e1\u0161 profil ur\u010duje velikost akciov\u00e9 slo\u017eky<\/h3>\n<p>Tak podle toho, jestli jste konzervativn\u011bj\u0161\u00ed, vyv\u00e1\u017een\u00fd nebo dynamick\u00fd profil investora, tak m\u016f\u017eete m\u00edt v\u011bt\u0161\u00ed nebo men\u0161\u00ed pod\u00edl akciov\u00fdch strategi\u00ed.<\/p>\n<p>Konzervativn\u00ed investor m\u00e1 40 %, vyv\u00e1\u017een\u00fd 55 %, dynamick\u00fd m\u016f\u017ee m\u00edt klidn\u011b 70 % akci\u00ed. Nem\u00e1 100 %. To m\u00e1 samoz\u0159ejm\u011b sv\u00e9 d\u016fvody, ke kter\u00fdm se je\u0161t\u011b vr\u00e1t\u00edme.<\/p>\n<figure id=\"attachment_1117\" aria-describedby=\"caption-attachment-1117\" style=\"width: 709px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-rizikoveho-profilu.png\" alt=\"\" width=\"709\" height=\"432\" class=\"size-full wp-image-1117\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-rizikoveho-profilu.png 709w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-rizikoveho-profilu-300x183.png 300w\" sizes=\"(max-width: 709px) 100vw, 709px\" \/><figcaption id=\"caption-attachment-1117\" class=\"wp-caption-text\">Portfolio podle rizikov\u00e9ho profilu<\/figcaption><\/figure>\n<p>V\u011bt\u0161ina na\u0161ich klient\u016f, budouc\u00edch renti\u00e9r\u016f, chce svoji rentu za 10 &#8211; 20 let. A m\u00e1 vyv\u00e1\u017een\u00fd investi\u010dn\u00ed profil. Proto maj\u00ed v akci\u00edch zhruba 65 % majetku. V dluhopisech aktu\u00e1ln\u011b 12%, v pen\u011b\u017en\u00edch trz\u00edch a vkladech zhruba 20 %.<\/p>\n<figure id=\"attachment_1118\" aria-describedby=\"caption-attachment-1118\" style=\"width: 475px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-budouciho-rentiera.png\" alt=\"\" width=\"475\" height=\"371\" class=\"size-full wp-image-1118\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-budouciho-rentiera.png 475w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-budouciho-rentiera-300x234.png 300w\" sizes=\"(max-width: 475px) 100vw, 475px\" \/><figcaption id=\"caption-attachment-1118\" class=\"wp-caption-text\">Portfolio budouc\u00edho renti\u00e9ra<\/figcaption><\/figure>\n<p>Tak\u00e9 vid\u00edte, \u017ee i my p\u0159eva\u017eujeme hotovost proti dluhopis\u016fm, proto\u017ee dluhopisy te\u010f skute\u010dn\u011b nenesou skoro \u017e\u00e1dn\u00e9 v\u00fdnosy a nejsou \u00fapln\u011b nejvhodn\u011bj\u0161\u00edm n\u00e1strojem.<\/p>\n<h3>M\u011bnov\u00e1 diverzifikace<\/h3>\n<p>Diverzifikaci u produkt\u016f pou\u017e\u00edv\u00e1me ale i z pohledu m\u011bnov\u00e9ho. Nes\u00e1z\u00edme na to, \u017ee \u010cesk\u00e1 republika bude \u0160v\u00fdcarsko. I kdy\u017e bychom si to p\u0159\u00e1li. A mo\u017en\u00e1 to tak bude. Ale m\u016f\u017ee se st\u00e1t, \u017ee tomu tak nebude. A proto je dobr\u00e9 i m\u011bnov\u011b to portfolio diverzifikovat.<\/p>\n<figure id=\"attachment_1119\" aria-describedby=\"caption-attachment-1119\" style=\"width: 462px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-men.png\" alt=\"\" width=\"462\" height=\"397\" class=\"size-full wp-image-1119\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-men.png 462w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-men-300x258.png 300w\" sizes=\"(max-width: 462px) 100vw, 462px\" \/><figcaption id=\"caption-attachment-1119\" class=\"wp-caption-text\">Struktura p\u0159\u00edkladov\u00e9ho portfolia podle m\u011bn<\/figcaption><\/figure>\n<p>Nejv\u011bt\u0161\u00ed v\u00e1hu v na\u0161ich portfoli\u00edch nyn\u00ed m\u00e1 americk\u00fd dolar 47 %. Koruna, euro a dal\u0161\u00ed m\u011bny maj\u00ed \u0159ekn\u011bme druhou polovinu toho kol\u00e1\u010de. K tomu, jak k t\u011bm m\u011bn\u00e1m p\u0159istupovat, jak diverzifikovat, si budeme \u0159\u00edkat podrobn\u011b je\u0161t\u011b d\u00e1le.<\/p>\n<p>Zjednodu\u0161en\u011b se d\u00e1 \u0159\u00edct, \u017ee korunu a euro pova\u017eujeme za na\u0161i dom\u00e1c\u00ed m\u011bnu. Proto\u017ee nev\u00edme jestli skon\u010d\u00edme v euroz\u00f3n\u011b nebo ne. Nev\u00edme jestli skon\u010d\u00edme v euroz\u00f3n\u011b b\u011bhem 10 nebo 15 let. A proto je dobr\u00e9 m\u00edt i euro. Nejenom korunu.<\/p>\n<p>A dolar p\u0159eva\u017eujeme, proto\u017ee si mysl\u00edme, \u017ee v tuhle chv\u00edli je o n\u011bco, z pohledu Wealth Protection, zaj\u00edmav\u011bj\u0161\u00ed investovat v Americe ne\u017e v Evrop\u011b.<\/p>\n<p>Ale nem\u00e1me tady 0. Nem\u00e1me tady 0 Eura, 0 Dolaru nebo 0 Koruny. To je extr\u00e9mn\u00ed pozice, pokud by se n\u011bco takov\u00e9ho d\u011blo. Nepamatuju si za svou kari\u00e9ru, \u017ee bych n\u011bco takov\u00e9ho d\u011blal. Proto\u017ee nikdy nechceme s\u00e1zet na jednu kartu. Nikdy. Tak\u017ee ty produkty mixujeme i z pohledu m\u011bn.<\/p>\n<h3>Diverzifikace spr\u00e1vc\u016f<\/h3>\n<p>Produkty mixujeme a diverzifikujeme i z pohledu spr\u00e1vc\u016f t\u011bch produkt\u016f. Ka\u017ed\u00fd produkt, kter\u00fd najdete na trhu, tak m\u00e1 n\u011bkoho, kdo ho vytvo\u0159il. Tomu se \u0159\u00edk\u00e1 spr\u00e1vce.<\/p>\n<p>A je dobr\u00e9 taky ty spr\u00e1vce n\u011bjak\u00fdm zp\u016fsobem diverzifikovat. Rozd\u011blovat pen\u00edze mezi n\u011b.<\/p>\n<figure id=\"attachment_1120\" aria-describedby=\"caption-attachment-1120\" style=\"width: 514px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-spravce.png\" alt=\"\" width=\"514\" height=\"410\" class=\"size-full wp-image-1120\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-spravce.png 514w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-spravce-300x239.png 300w\" sizes=\"(max-width: 514px) 100vw, 514px\" \/><figcaption id=\"caption-attachment-1120\" class=\"wp-caption-text\">Diverzifikace portfolia podle spr\u00e1vce<\/figcaption><\/figure>\n<h3>Diverzifikace produkt\u016f<\/h3>\n<p>Stejn\u011b tak jako je dobr\u00e9 rozd\u011blovat pen\u00edze mezi r\u016fzn\u00e9 typy instrument\u016f, indexov\u00e9 fondy, aktivn\u011b \u0159\u00edzen\u00e9 fondy, dluhopisov\u00e9 fondy, dluhopisy.<\/p>\n<figure id=\"attachment_1121\" aria-describedby=\"caption-attachment-1121\" style=\"width: 697px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/portfolio-podle-produktu-2.png\" alt=\"\" class=\"size-full wp-image-1121\" \/><figcaption id=\"caption-attachment-1121\" class=\"wp-caption-text\">Diverzifikace portfolia podle instrument\u016f<\/figcaption><\/figure>\n<p>Jestli\u017ee se pod\u00edv\u00e1m na v\u00e1\u0161 kol\u00e1\u010d majetku z r\u016fzn\u00fdch \u00fahl\u016f pohledu. Z pohledu m\u011bnov\u00e9ho, region\u00e1ln\u00edho, z pohledu typ\u016f aktiv. M\u011bl bych vid\u011bt dob\u0159e nakr\u00e1jen\u00fd kol\u00e1\u010d. V takov\u00e9m p\u0159\u00edpad\u011b je ten majetek rozumn\u011b o\u0161et\u0159en\u00fd proti r\u016fzn\u00fdm rizik\u016fm. To samoz\u0159ejm\u011b na cest\u011b k rent\u011b chceme.<\/p>\n<h2>Akcie, fondy nebo ETF?<\/h2>\n<p>V r\u00e1mci akciov\u00fdch strategi\u00ed, ale ono to m\u016f\u017ee platit i dluhopisov\u00fdch, jsem se ned\u00e1vno potkal s dotazem, zda kupovat akcie, fondy. Tzv. aktivn\u011b \u0159\u00edzen\u00e9 fondy, kter\u00e9 spravuje n\u011bjak\u00fd portfolio mana\u017eer, nebo ETF. D\u00e1 se \u0159\u00edct indexov\u00e9 fondy, kter\u00e9 jenom replikuj\u00ed to, co se d\u011bje na trhu.<\/p>\n<h3>Nepou\u0161t\u011bjte se do jednotliv\u00fdch akci\u00ed<\/h3>\n<p>Jednotliv\u00e9 akcie do t\u011bch se ur\u010dit\u011b nepou\u0161t\u011bjte. Kdy\u017e za\u010d\u00edn\u00e1te s investicemi, i kdy\u017e jste u\u017e pom\u011brn\u011b zku\u0161en\u011bj\u0161\u00ed investor, akcie jsou pro velmi sofistikovan\u00e9 klienty. Tak\u017ee dejte na to pozor.<\/p>\n<p>Pamatuju na jeden \u010dl\u00e1nek ve Wall Street Journal, kter\u00fd psal o investorech, kte\u0159\u00ed investuj\u00ed na z\u00e1klad\u011b toho, \u017ee jim v\u017edycky zavol\u00e1 makl\u00e9\u0159 a \u0159ekne: \u201e<em>Te\u010f si n\u011bco kupte. Te\u010f je dobr\u00fd kupovat akcie IPO Avastu. Je dobr\u00e9 kupovat novou emisi \u010cEZ. Bude mistrovstv\u00ed sv\u011bta, tak je dobr\u00e9 kupovat Adidas.<\/em>\u201d<\/p>\n<p>V\u011bt\u0161inou takov\u00e9 telefon\u00e1tu vedou k tomu, \u017ee klienti t\u011bchto makl\u00e9\u0159\u016f ztr\u00e1c\u00ed zhruba 3 % t\u00fddn\u011b! Tak\u017ee do 6 &#8211; 9 m\u011bs\u00edc\u016f na tom \u00fa\u010dt\u011b nen\u00ed nic a m\u016f\u017eou to zkusit \u00fapln\u011b s nov\u00fdmi pen\u011bzi znova.<\/p>\n<p>Tak\u017ee dejte na to pozor. Nen\u00ed to o tom neinvestovat do akci\u00ed nikdy. Ale na za\u010d\u00e1tku je dobr\u00e9 investovat p\u0159edev\u0161\u00edm do fond\u016f nebo tzv. ETF, kter\u00e9 investuj\u00ed do stovek akci\u00ed. A tu diverzifikaci vlastn\u011b d\u011blaj\u00ed za v\u00e1s.<\/p>\n<h3>Aktivn\u011b \u0159\u00edzen\u00e9 fondy pat\u0159\u00ed do minulosti<\/h3>\n<p>D\u0159\u00edv se investovalo hodn\u011b do aktivn\u011b \u0159\u00edzen\u00fdch fond\u016f. V \u010cech\u00e1ch to je po\u0159\u00e1d instrument, investi\u010dn\u00ed produkt, kter\u00fd p\u0159evl\u00e1d\u00e1. Ale v posledn\u00ed dob\u011b, v posledn\u00edch letech se za\u010d\u00ednaj\u00ed dramaticky zvedat investice do tzv. ETF.<\/p>\n<figure id=\"attachment_1123\" aria-describedby=\"caption-attachment-1123\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/etf-fondy.png\" alt=\"\" width=\"800\" height=\"347\" class=\"size-full wp-image-1123\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/etf-fondy.png 800w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/etf-fondy-300x130.png 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/etf-fondy-768x333.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-1123\" class=\"wp-caption-text\">Aktivn\u011b \u0159\u00edzen\u00e9 fondy vs. pasivn\u011b \u0159\u00edzen\u00e9 ETF<br \/>Zdroj: Morningstar AWS ici.org, etf.com, vlastn\u00ed v\u00fdpo\u010dty, v mil. USD<\/figcaption><\/figure>\n<p>Zelen\u00e1 linka ukazuje objem pen\u011bz, kter\u00fd p\u0159it\u00e9k\u00e1 do ETF, pasivn\u011b \u0159\u00edzen\u00fdch fond\u016f. Modr\u00e1 linka ukazuje, kolik pen\u011bz odt\u00e9k\u00e1 v Americe z aktivn\u011b \u0159\u00edzen\u00fdch fond\u016f.<\/p>\n<p>Pro\u010d tomu tak je? Nen\u00ed \u00fapln\u011b slo\u017eit\u00e9.<\/p>\n<p>My jsme d\u0159\u00edv tak\u00e9 investovali hodn\u011b do aktivn\u011b \u0159\u00edzen\u00fdch fond\u016f, ale v posledn\u00edch 2 letech u\u017e velmi dramaticky p\u0159ech\u00e1z\u00edme pr\u00e1v\u011b do ETF. A t\u011bch d\u016fvod\u016f je n\u011bkolik.<\/p>\n<h3>ETF jsou stabiln\u00ed a nab\u00edraj\u00ed na s\u00edle<\/h3>\n<p>Segment ETF se stal dostate\u010dn\u011b velk\u00fd. Tak\u017ee u\u017e je stabiln\u00ed. Tomu tak nebylo v minulosti.<\/p>\n<p>ETFka za\u010d\u00ednala u\u017e v 70.letech. Ale dlouho byl velmi mal\u00fd segment. Nikdo ho nepromoval, proto z\u016fst\u00e1val mal\u00fd a nev\u00fdznamn\u00fd. Ekonomicky nev\u00fdznamn\u00fd pro svoje spr\u00e1vce. Tak\u017ee do t\u00e9 doby jsme do n\u011bj necht\u011bli vstupovat.<\/p>\n<p>V posledn\u00edch 10 letech segment ETF za\u010dal dramaticky r\u016fst. A v posledn\u00edch 5 letech ten r\u016fst nab\u00edr\u00e1 na s\u00edle.<\/p>\n<p>Kdy\u017e se pod\u00edv\u00e1te na titulky ve stylu: \u201eETF vs. fondy\u201c ve Wall Street Journalu, tak zjist\u00edte, \u017ee za posledn\u00ed 2 roky skute\u010dn\u011b ETF nab\u00fdvaj\u00ed na velk\u00e9 popularit\u011b. A je dobr\u00e9 to za\u010d\u00edt zva\u017eovat.<\/p>\n<h2>2 velk\u00e9 v\u00fdhody ETF<\/h2>\n<p>My u\u017e jsme v\u00edcem\u00e9n\u011b p\u0159e\u0161li do ETF. Ne \u00fapln\u011b stoprocentn\u011b, proto\u017ee tak\u00e9 maj\u00ed sv\u00e9 nev\u00fdhody. Ale pokud byste cht\u011bli jeden typ produktu, tak prvn\u00ed byste asi m\u011bli za\u010d\u00ednat s ETF.<\/p>\n<p>Pro\u010d<\/p>\n<h3>1. V\u00fdrazn\u011b ni\u017e\u0161\u00ed n\u00e1klady<\/h3>\n<p>Fondy typicky \u00fa\u010dtuj\u00ed t\u0159eba 2 % ro\u010dn\u011b mana\u017eersk\u00fd poplatek. Fond ETF, kter\u00fd investuje do t\u011bch sam\u00fdch akci\u00ed, \u00fa\u010dtuje 0,2 % ro\u010dn\u011b.<\/p>\n<p>Ten rozd\u00edl 1,8 % je v\u00e1\u0161. Nebo si ho nech\u00e1 ten spr\u00e1vce, kter\u00fd \u017eiv\u00ed n\u011bjak\u00e9 konkr\u00e9tn\u00ed lidi. Tak\u017ee na to dejte pozor.<\/p>\n<p>V principu po 15 letech jsou to milionov\u00e9 rozd\u00edly, kter\u00e9 na v\u00e1s \u010dekaj\u00ed, kdy\u017e si zvol\u00edte \u0161patn\u011b. Kdy\u017e pot\u0159ebujete 10 milion\u016f, jestli m\u00e1te 1 milion nav\u00edc nebo 2, tak je docela zn\u00e1t. Tak\u017ee na to dejte pozor.<\/p>\n<h3>2. Lep\u0161\u00ed akceschopnost<\/h3>\n<p>S ETF se d\u00e1 l\u00e9pe pracovat. Kdy\u017e p\u0159ijdou emo\u010dn\u00ed \u010dasy, p\u0159ijdou n\u011bjak\u00e9 poklesy na burz\u00e1ch, a vy v\u00edte, \u017ee je dobr\u00e9 kupovat. Proto\u017ee kdy\u017e akcie Applu stoj\u00ed o t\u0159etinu m\u00e9n\u011b ne\u017e st\u00e1la p\u0159ed rokem, tak to nemus\u00ed b\u00fdt \u0161patn\u00fd \u010das si nakoupit.<\/p>\n<p>U fond\u016f je relativn\u011b t\u011b\u017ek\u00e9 takov\u00fd n\u00e1kup ud\u011blat rychle. Nen\u00ed t\u011b\u017ek\u00e9 samotn\u00fd n\u00e1kup ud\u011blat, ale je t\u011b\u017ek\u00e9 ho ud\u011blat v \u0159\u00e1du n\u011bkolika hodin.<\/p>\n<p>Do fondu toti\u017e mus\u00edte poslat pen\u00edze. Nap\u00e1ruj\u00ed se s va\u0161\u00edm \u00fa\u010dtem. A pak se zainvestuj\u00ed. M\u016f\u017ee to trvat dny, ale n\u011bkdy i t\u00fddny. Kdy\u017e t\u0159eba chcete prodat jeden typ fondu a nakoupit druh\u00fd typ fondu za to.<\/p>\n<p>U ETF to tak nen\u00ed. ETF prod\u00e1te na burze ten den. \u0158ekn\u011bme, \u017ee prod\u00e1te dluhopisov\u00e9 ETF v jeden den a v ten sam\u00fd den si m\u016f\u017eete koupit akciov\u00e9 ETF. Pr\u00e1v\u011b proto\u017ee do\u0161lo k poklesu na burze.<\/p>\n<p>My jsme to d\u011blali t\u0159eba p\u0159i Brexitu ve 2016, kdy p\u0159\u00edle\u017eitost nakoupit byla jen velmi kr\u00e1tk\u00e1. A v principu ten, kdo m\u011bl aktivn\u011b \u0159\u00edzen\u00fd fond, tak nebyl schopen nakoupit tak rychle, jako ti kte\u0159\u00ed m\u011bli ETF. Tak\u017ee akceschopnost je taky zaj\u00edmav\u00e1.<\/p>\n<h3>Nekupujte ETF se syntetickou replikac\u00ed<\/h3>\n<p>Posledn\u00ed v\u011bc, kterou bych tady mo\u017en\u00e1 zm\u00ednil. ETF vypad\u00e1 jako jednoduch\u00fd instrument. Ale neberte ho \u00fapln\u011b na lehkou v\u00e1hu. Je pot\u0159eba stejn\u011b jako u jin\u00fdch instrument\u016f j\u00edt dovnit\u0159, j\u00edt do hloubky. A poznat je.<\/p>\n<p>My si o ETF budeme pov\u00eddat do v\u011bt\u0161\u00edho detailu v r\u00e1mci na\u0161eho kurzu.\u00a0 Ale v tuhle chv\u00edli na za\u010d\u00e1tku bych \u0159ekl: \u201e<em>Kupujte si ETF s tzv. fyzickou replikac\u00ed. A ne se syntetickou replikac\u00ed.<\/em>\u201d<\/p>\n<p>Co to znamen\u00e1?<\/p>\n<p>Fyzick\u00e1 replikace znamen\u00e1, \u017ee vybran\u00e9 ETF koup\u00ed skute\u010dn\u011b ty akcie Applu, McDonalds, Johnson &amp; Johnson, Microsoftu, kter\u00e9 jsou v n\u011bjak\u00e9m indexu.<\/p>\n<p>Syntetick\u00e9 ETF si koup\u00ed jenom n\u011bjak\u00fd p\u0159\u00edslib \u017ee by si mohla do budoucna koupit takov\u00e9hle akcie. Co\u017e je mnohem riskantn\u011bj\u0161\u00ed z\u00e1le\u017eitost. Hodn\u011b ETF je syntetick\u00fdch. Ne fyzick\u00fdch. Nem\u00e1 fyzickou replikaci a to si mysl\u00edme, \u017ee nen\u00ed v\u016fbec dobr\u00e9 pou\u017e\u00edvat.<\/p>\n<h2>Do \u010deho konkr\u00e9tn\u011b investovat?<\/h2>\n<p>Poj\u010fme si to shrnout.<\/p>\n<h3>Nevym\u00fd\u0161lejte nic vymy\u0161len\u00e9ho<\/h3>\n<p>Investujte podle vzoru nejbohat\u0161\u00edch lid\u00ed. Podle vzoru Nobelovy nadace.<\/p>\n<h3>Nezapom\u00ednejte na akcie<\/h3>\n<p>Nezapom\u00ednejte na cest\u011b k rent\u011b, kter\u00e1 bude n\u011bjakou dobu trvat, nikdy na d\u016fle\u017eitost akciov\u00fdch strategi\u00ed.<\/p>\n<h3>D\u016fsledn\u011b diverzifikujte<\/h3>\n<p>V\u017edycky, i kdy\u017e m\u00e1te pocit, \u017ee m\u00e1te skv\u011bl\u00fd produkt, tak v\u017edycky d\u016fsledn\u011b diverzifikujte. Nikdy se nespol\u00e9hejte na to, \u017ee jeden produkt v\u0161echno vyd\u011bl\u00e1.<\/p>\n<p>Kdy\u017e nebudete diverzifikovat, m\u016f\u017ee se v\u00e1m st\u00e1t, \u017ee o ve\u0161ker\u00e9 va\u0161e pen\u00edze p\u0159ijdete. V\u017edycky je dobr\u00e9 p\u0159edpokl\u00e1dat, \u017ee ka\u017ed\u00fd produkt, kter\u00fd nakoup\u00edte, m\u016f\u017ee m\u00edt \u0161patn\u00e9 \u010dasy.<\/p>\n<p>My to p\u0159edpokl\u00e1d\u00e1me u ka\u017ed\u00e9ho produktu, kter\u00fd kupujeme pro na\u0161e klienty. Nebo pro sebe. P\u0159em\u00fd\u0161l\u00edme o tom, jak\u00fd to bude m\u00edt vliv na budoucnost. Pokud toho produktu bude v portfoliu p\u0159\u00edli\u0161 mnoho, tak to m\u016f\u017ee m\u00edt zni\u010duj\u00edc\u00ed vliv. A to nechceme. Tak\u017ee diverzifikujeme skute\u010dn\u011b intenzivn\u011b.<\/p>\n<h3>Preferujte ETF<\/h3>\n<p>My u\u017e dnes preferujeme velmi v\u00fdrazn\u011b produkty typu ETF. Indexov\u00e9 fondy. P\u0159ed aktivn\u011b \u0159\u00edzen\u00fdmi fondy nebo akciemi.<\/p>\n<p>A to jsou z\u00e1kladn\u00ed v\u011bci, kter\u00e9 si odn\u00e9st pr\u00e1v\u011b z tohoto videa a \u010dl\u00e1nku.<\/p>\n<p>Ale proto\u017ee jsme v\u00e1m ne\u0159ekli je\u0161t\u011b \u00fapln\u011b v\u0161echno, a je spousta ot\u00e1zek, kter\u00e9 se objevuj\u00ed v pr\u016fb\u011bhu kurzu a toho, jak se bav\u00edme s lidmi, tak m\u00e1me pro v\u00e1s je\u0161t\u011b bonusov\u00e9 video, kde budeme\u00a0 odpov\u00eddat na 7 nej\u010dast\u011bj\u0161\u00edch ot\u00e1zek.<\/p>\n<p><a href=\"https:\/\/www.investguru.cz\/cs\/7-otazek-investovani\/\">V dal\u0161\u00edm videu jdeme je\u0161t\u011b do v\u011bt\u0161\u00edho detailu toho, co v\u00e1s zaj\u00edm\u00e1.<\/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>Spousta lid\u00ed sn\u00ed o tom, \u017ee by jednoho dne mohli dos\u00e1hnout finan\u010dn\u00ed nez\u00e1vislosti.<br \/>\nKam tedy investovat sv\u00e9 pen\u00edze, aby se tento sen stal realitou?<\/p>\n","protected":false},"author":2,"featured_media":1110,"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 - 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