{"id":1129,"date":"2020-06-23T12:00:42","date_gmt":"2020-06-23T10:00:42","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1129"},"modified":"2020-06-23T14:17:49","modified_gmt":"2020-06-23T12:17:49","slug":"7-otazek-investovani","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/7-otazek-investovani\/","title":{"rendered":"7 nej\u010dast\u011bj\u0161\u00edch ot\u00e1zek k investov\u00e1n\u00ed a odpov\u011bdi na n\u011b"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/CK2nv4eMWM8?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=\"button\" href=\"https:\/\/www.investguru.cz\/cs\/prihlaska?utm_source=investguru&amp;utm_medium=blog&amp;utm_campaign=video-4\" target=\"_blank\" rel=\"noopener noreferrer\">Zjistit v\u00edce o InvestGuru 2020<\/a><\/p>\n<p>Neexistuj\u00ed \u017e\u00e1dn\u00e9 hloup\u00e9 ot\u00e1zky.<br \/>\nV investov\u00e1n\u00ed to plat\u00ed hned n\u011bkolikan\u00e1sobn\u011b.<br \/>\nKdo se nept\u00e1, ten se nic nedozv\u00ed.<\/p>\n<p>A na ostych zapome\u0148te. Je lep\u0161\u00ed se chv\u00edli \u010dervenat a m\u00edt jasno, ne\u017e b\u00fdt p\u0159ekvapen \u010dervenou na v\u00fdsledku.<\/p>\n<p>Dnes si tedy budeme pov\u00eddat o tom, co v\u00e1s nejv\u00edce zaj\u00edm\u00e1. Budeme odpov\u00eddat na ot\u00e1zky, kter\u00e9 nej\u010dast\u011bji pokl\u00e1d\u00e1te.<\/p>\n<p>Jak\u00e9 ot\u00e1zky to jsou?<\/p>\n<ol>\n<li>M\u016f\u017ee se ka\u017ed\u00fd st\u00e1t investorem?<\/li>\n<li>Boj\u00edm se, \u017ee nebudu v\u0161e um\u011bt!<\/li>\n<li>Kolik pen\u011bz mus\u00edm m\u00edt, aby m\u011blo smysl za\u010d\u00edt investovat?<\/li>\n<li>Kolik \u010dasu mus\u00edm v\u011bnovat investov\u00e1n\u00ed?<\/li>\n<li>Jak pozn\u00e1m, kdy je nejlep\u0161\u00ed \u010das?<\/li>\n<li>Vladim\u00edre, kdybys te\u010f za\u010d\u00ednal, co bys ud\u011blal?<\/li>\n<li>Co je t\u0159eba, aby \u010dlov\u011bk v investov\u00e1n\u00ed usp\u011bl?<\/li>\n<\/ol>\n<p>Tak\u017ee tyhle ot\u00e1zky te\u010f projedeme a uvid\u00edme, jestli odpov\u00edme na v\u0161e, co v\u00e1s bude zaj\u00edmat.<\/p>\n<h2>1. M\u016f\u017ee se ka\u017ed\u00fd st\u00e1t investorem?<\/h2>\n<p>Na\u0161e odpov\u011b\u010f je: MUS\u00cd.<\/p>\n<p>I kdy\u017e m\u00e1te prvn\u00edch 100 tis\u00edc korun na \u00fa\u010dt\u011b, u\u017e jste investorem. Mo\u017en\u00e1 je tam m\u00e1te v hotovosti. Ale u\u017e investujete. A pokud nev\u00edte jak s nimi nalo\u017eit, je to \u0161patn\u011b.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1140\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-1.jpg\" alt=\"\" width=\"721\" height=\"428\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-1.jpg 721w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-1-300x178.jpg 300w\" sizes=\"(max-width: 721px) 100vw, 721px\" \/><\/p>\n<p>A kdy\u017e budete dlouho ot\u00e1let s t\u00edm, jak se st\u00e1t investorem, tak je to je\u0161t\u011b hor\u0161\u00ed. Proto\u017ee u\u010dit se je mnohem lep\u0161\u00ed s prvn\u00edmi 100 tis\u00edci korunami, ne\u017e s 5 miliony, kter\u00e9 jednoho dne budete m\u00edt na \u00fa\u010dt\u011b.<\/p>\n<p>\u0160ance, \u017ee jednoho dne budete m\u00edt na \u00fa\u010dtu v\u00edce pen\u011bz, je velmi vysok\u00e1. Tak\u017ee investujte, u\u010dte se investovat.<\/p>\n<p>Nemyslete si, \u017ee se nemus\u00edte st\u00e1t investorem. Pokud se vy nebudete u\u010dit, jak m\u00e1te se sv\u00fdmi pen\u011bzi zach\u00e1zet, tak n\u011bkdo v\u00e1s to nau\u010d\u00ed. Ale ta zku\u0161enost nemus\u00ed b\u00fdt pro v\u00e1s \u00fapln\u011b p\u0159\u00edjemn\u00e1. Proto\u017ee lid\u00ed, kte\u0159\u00ed na va\u0161e pen\u00edze \u010d\u00edhaj\u00ed, je ur\u010dit\u011b dost. Tak\u017ee dejte na to pozor.<\/p>\n<p>A kdy\u017e se budete sv\u00fdm pen\u011bz\u016fm v\u011bnovat,\u00a0jak u\u017e jsem \u0159\u00edkal ve videu <a href=\"https:\/\/www.investguru.cz\/cs\/jak-se-stat-rentierem\/\">Jak se oby\u010dejn\u00fd \u010dlov\u011bk m\u016f\u017ee st\u00e1t finan\u010dn\u011b nez\u00e1visl\u00fdm renti\u00e9rem<\/a>, polovinu nebo 2\/3 t\u00e9 budouc\u00ed \u010d\u00e1stky, kterou jednoho dne budete pot\u0159ebovat na rentu, vyd\u011blaj\u00ed v\u00fdnosy z va\u0161ich investic. A proto stoj\u00ed za to se jim v\u011bnovat.<\/p>\n<h2>2. Boj\u00edm se, \u017ee nebudu v\u0161e um\u011bt!<\/h2>\n<p>To nen\u00ed nic divn\u00e9ho.\u00a0J\u00e1 s\u00e1m jsem za\u010d\u00ednal se spoustou chyb, o kter\u00fdch jsem u\u017e <a href=\"https:\/\/www.investguru.cz\/cs\/jak-se-stat-rentierem\/\">pov\u00eddal<\/a>.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1141\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-2.jpg\" alt=\"\" width=\"491\" height=\"304\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-2.jpg 491w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-2-300x186.jpg 300w\" sizes=\"(max-width: 491px) 100vw, 491px\" \/><\/p>\n<p>Jak s investov\u00e1n\u00edm za\u010d\u00edt?<\/p>\n<p>Soust\u0159e\u010fte se na to podstatn\u00e9. Jd\u011bte jenom do toho, co je skute\u010dn\u011b d\u016fle\u017eit\u00e9. A nehledejte detaily.<\/p>\n<p>Neza\u010d\u00ednejte t\u00edm, \u017ee si budete \u010d\u00edst prospekty fondu a lu\u0161tit v\u0161echna mal\u00e1 p\u00edsmenka. To nen\u00ed to podstatn\u00e9, co ud\u011blat na za\u010d\u00e1tek.<\/p>\n<p>Ve vide\u00edch\u00a0<a href=\"https:\/\/www.investguru.cz\/cs\/jak-investovat-nejbezpecneji\/\">Jak na cest\u011b k rent\u011b investovat co nejbezpe\u010dn\u011bji<\/a> a\u00a0<a href=\"https:\/\/www.investguru.cz\/cs\/do-ceho-investovat\/\">Do \u010deho konkr\u00e9tn\u011b investovat na cest\u011b k rent\u011b<\/a> jsme si \u0159\u00edkali, co je pot\u0159eba ud\u011blat. \u0158i\u010fte se t\u00edm.<\/p>\n<h3>Studujte<\/h3>\n<p>I my studujeme, dodnes. A p\u0159em\u00fd\u0161l\u00edme o tom, jak zase v\u011bci posunout d\u00e1l. Tak\u017ee pr\u016fb\u011b\u017en\u00e9 studium nen\u00ed nic nenorm\u00e1ln\u00edho, ale na za\u010d\u00e1tku se zam\u011b\u0159te na podstatn\u00e9 v\u011bci.<\/p>\n<h3>Nechte si pomoct<\/h3>\n<p>Kdy\u017e si zmapujete, co vlastn\u011b chcete a co m\u00e1te k dispozici, ud\u011bl\u00e1te si takov\u00fd mal\u00fd osobn\u00ed audit toho, kolik majetku m\u00e1te a jak\u00e9 m\u00e1te cash flow, tak to \u010dasto sta\u010d\u00ed.<\/p>\n<p>Pak si m\u016f\u017eete j\u00edt nechat pomoc.\u00a0M\u016f\u017eete j\u00edt za n\u011bjak\u00fdm bank\u00e9\u0159em, za n\u011bjak\u00fdm poradcem. Mo\u017en\u00e1 se potk\u00e1me i spole\u010dn\u011b, kdy\u017e budeme \u0159e\u0161it n\u011bjak\u00e9 investice.<\/p>\n<p>Bank\u00e9\u0159i nebo poradci d\u00e1te zad\u00e1n\u00ed. V\u00e1\u0161 c\u00edl, majetek a cash flow, oni v\u00e1m daj\u00ed vyplnit v\u00e1\u0161 investi\u010dn\u00ed profil. Pak u\u017e by v\u00e1m m\u011bli poradit, co je pot\u0159eba.<\/p>\n<p>Dejte ale pozor na to, abyste pracovali jen s lidmi, kte\u0159\u00ed v\u00e1m nebudou nab\u00edzet jenom svoje produkty.<\/p>\n<p>\u0158eknete: <em>\u201eM\u00e1m milion, co s n\u00edm m\u00e1m d\u011blat?\u201c<\/em><br \/>\nA oni \u0159eknou: <em>\u201eJo, tady m\u00e1me produkt za 300 tis\u00edc, tady do toho d\u00e1me 200, tady do toho 400 tis\u00edc.\u201c<\/em><\/p>\n<p>To nen\u00ed ide\u00e1ln\u00ed p\u0159\u00edstup.\u00a0Nejprve se v\u00e1s mus\u00ed zeptat, pro\u010d to chcete. Jak\u00fd m\u00e1te c\u00edl p\u0159\u00edpadn\u011b c\u00edle.<\/p>\n<p>Doporu\u010duji neuv\u00e1d\u011bt p\u0159i tom pov\u00edd\u00e1n\u00ed na za\u010d\u00e1tku, \u017ee chcete rentu. Pokud se v\u00e1s ten \u010dlov\u011bk na rentu nezept\u00e1, kdy j\u00ed chcete, za jak dlouho a jakou, tak s n\u00edm nepracujte. Prost\u011b nechce splnit v\u00e1\u0161 nejd\u016fle\u017eit\u011bj\u0161\u00ed c\u00edl. Tak to v\u016fbec nen\u00ed par\u0165\u00e1k, se kter\u00fdm byste cht\u011bli fungovat.<\/p>\n<p>A potom u\u017e v\u00e1m m\u016f\u017ee \u0159\u00edct: \u201e<em>Hele, takhle jsme vyb\u00edrali produkty. Tohle jsou n\u00edzkon\u00e1kladov\u00e9 varianty. Takhle je budeme sledovat a pr\u016fb\u011b\u017en\u011b pro v\u00e1s ope\u010dov\u00e1vat.<\/em>\u201c<\/p>\n<p>Nemus\u00edte se do investov\u00e1n\u00ed pou\u0161t\u011bt sami. D\u00e1v\u00e1 smysl si nechat poradit i v tomhle sm\u011bru. Pro\u010d ne.<\/p>\n<h2>3. Kolik pen\u011bz mus\u00edm m\u00edt, aby m\u011blo smysl investovat?<\/h2>\n<p>Za\u010d\u00edt s investov\u00e1n\u00edm se d\u00e1 i s mal\u00fdm objemem pen\u011bz.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1143\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-3-1.jpg\" alt=\"\" width=\"770\" height=\"434\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-3-1.jpg 770w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-3-1-300x169.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-3-1-768x433.jpg 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/p>\n<p>Pokud chcete spekulovat, tak jsou to pen\u00edze, kter\u00e9 m\u016f\u017eete utratit. M\u00e1te prvn\u00edch 100 tis\u00edc a za 6 &#8211; 9 m\u011bs\u00edc\u016f je pravd\u011bpodobn\u011b m\u00edt nemus\u00edte.<\/p>\n<p>Kdy\u017e budete poslouchat doporu\u010den\u00ed r\u016fzn\u00fdch makl\u00e9\u0159\u016f, trader\u016f a obchodn\u00edk\u016f: \u201eTady to je atraktivn\u00ed te\u010f, to si kupte. Je mistrovstv\u00ed sv\u011bta v hokeji, tak si kupte v\u00fdrobce dres\u016f. Nebo olympi\u00e1da, nebo n\u011bco podobn\u00e9ho.\u201c<\/p>\n<p>Nen\u00ed \u00fapln\u011b rozumn\u00e9 slep\u011b poslouchat n\u011bkoho, kdo vyd\u011bl\u00e1v\u00e1 na tom, \u017ee d\u011bl\u00e1te obchody. Kdy\u017e budete spekulovat, chce to m\u00edt pen\u00edze, kter\u00e9 m\u016f\u017eete ztratit.<\/p>\n<p>Ale kdy\u017e budete d\u00e1vat pen\u00edze stranou, pravideln\u011b, tak se d\u00e1 za\u010d\u00edt s mal\u00fdmi \u010d\u00e1stkami.<\/p>\n<p>Kdy\u017e budete d\u00e1vat 1 000 K\u010d m\u011bs\u00ed\u010dn\u011b, nech\u00e1te je 30 let pracovat, tak po 30 letech m\u016f\u017eete vyb\u00edrat 5 tis\u00edc m\u011bs\u00ed\u010dn\u011b. V dne\u0161n\u00edch cen\u00e1ch samoz\u0159ejm\u011b. Jenom ty pen\u00edze mus\u00edte nechat pracovat dlouho.<\/p>\n<p>30 let je pro v\u011bt\u0161inu lid\u00ed, se kter\u00fdmi pracujeme, docela dlouho. V\u011bt\u0161ina lid\u00ed \u0159\u00edk\u00e1 tak 15 let. Mo\u017en\u00e1 20 let. 30 let u\u017e je docela dlouho.<\/p>\n<p>Tak\u017ee za\u010dn\u011bte klidn\u011b i s men\u0161\u00edmi pen\u011bzi.<\/p>\n<p>My pracujeme s tro\u0161ku v\u011bt\u0161\u00edmi pen\u011bzi. J\u00e1 osobn\u011b se star\u00e1m nejv\u00edc o lidi, kte\u0159\u00ed u\u017e maj\u00ed v\u00edc jak 50 milion\u016f K\u010d. Ale jako firma m\u00e1me i n\u00e1stroje jako <a href=\"https:\/\/www.efrank.cz\/cs\/\" target=\"_blank\" rel=\"noopener noreferrer\">poradenskou platformu eFrank<\/a>, kdy um\u00edme pracovat s lidma, kter\u00fd maj\u00ed prvn\u00edch 250 tis\u00edc a cht\u011bj\u00ed odkl\u00e1dat 10 tis\u00edc m\u011bs\u00ed\u010dn\u011b resp. 120 tis\u00edc ro\u010dn\u011b.<\/p>\n<p>D\u00e1v\u00e1 smysl investovat i men\u0161\u00ed \u010d\u00e1stky. Ale pozor na jednu v\u011bc.<\/p>\n<p>Ob\u010das naraz\u00edm pr\u00e1v\u011b na reklamu: \u201e<em>S n\u00e1mi m\u016f\u017eete investovat u\u017e od 500 korun nebo 1 000 korun.<\/em>\u201c Je ot\u00e1zka, jestli v\u00e1m t\u011bch 1 000 korun v budoucnosti pom\u016f\u017ee.<\/p>\n<p>Za\u010dn\u011bte t\u00edm, jakou chcete rentu. Jestli\u017ee chcete m\u00edt m\u011bs\u00ed\u010dn\u00ed rentu 30 tis\u00edc a ne 5 tis\u00edc, tak mus\u00ed b\u00fdt ta \u010d\u00e1stka, kterou budete odkl\u00e1dat, mus\u00ed b\u00fdt zhruba 6x v\u011bt\u0161\u00ed. Tedy 6 tis\u00edc.<\/p>\n<p>Kdy\u017e budete d\u00e1vat 500 korun stranou, tak v\u00e1m to nepom\u016f\u017ee. P\u011btistovka v\u00e1m mo\u017en\u00e1 trochu pom\u016f\u017ee, vyzkou\u0161et si investice v praxi, abyste se nemuseli tolik b\u00e1t. Ale fakticky v re\u00e1ln\u00e9m \u017eivot\u011b to nebude m\u00edt \u017e\u00e1dn\u00fd velk\u00fd dopad.<\/p>\n<h3>Jak\u00e1 v\u00fd\u0161e investice je rozumn\u00e1 pr\u00e1v\u011b pro v\u00e1s?<\/h3>\n<p>Z\u00e1le\u017e\u00ed na tom, jak velkou chcete rentu. Z toho potom odvo\u010fte, kolik pen\u011bz d\u00e1v\u00e1 smysl d\u00e1vat stranou.<\/p>\n<p>P\u011btistovka to nebude pravd\u011bpodobn\u011b t\u00e9m\u011b\u0159 u nikoho. Pokud to nen\u00ed vysloven\u011b o tom, \u017ee se nejprve chcete n\u011bco u\u010dit.<\/p>\n<h2>4. Kolik \u010dasu mus\u00edte v\u011bnovat investov\u00e1n\u00ed?<\/h2>\n<p>S Petrem Syrov\u00fdm (autor 7 knih o financ\u00edch) a Tom\u00e1\u0161em Tylem (autor 2 knih o investov\u00e1n\u00ed) jsme se rozhodli jednoho dne, \u017ee spo\u010d\u00edt\u00e1me, kolik \u010dasu je pot\u0159eba v\u011bnovat investov\u00e1n\u00ed, aby \u010dlov\u011bk jako skute\u010dn\u011b byl v pohod\u011b a jednoho mohl b\u00fdt renti\u00e9rem.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1144\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4.jpg\" alt=\"\" width=\"753\" height=\"423\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4.jpg 753w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4-300x169.jpg 300w\" sizes=\"(max-width: 753px) 100vw, 753px\" \/><\/p>\n<p>Podle n\u00e1s sta\u010d\u00ed na za\u010d\u00e1tku 3 pracovn\u00ed dny, \u0159ekn\u011bme n\u011bjak\u00fdch 25 hodin v\u011bnovat n\u011bjakou intenzivn\u011bj\u0161\u00ed formou. T\u0159eba v n\u011bjak\u00e9m kurzu jako je InvestGuru, o kter\u00e9m tak\u00e9 s v\u00e1mi mluv\u00edme na t\u011bchto str\u00e1nk\u00e1ch. Nebo na n\u011bjak\u00e9m jin\u00e9m kurzu intenzivn\u00edm. To je jedno.<\/p>\n<p>N\u00e1sledn\u011b pak sta\u010d\u00ed se 30 minut t\u00fddn\u011b v\u011bnovat investic\u00edm. Samoz\u0159ejm\u011b si mus\u00edte naj\u00edt si n\u011bjak\u00e9 zdroje, kter\u00e9 proskenujete. Str\u00e1v\u00edte na nich zhruba 30 minut a pom\u016f\u017eou v\u00e1m se posunout vp\u0159ed. 30 minut t\u00fddn\u011b d\u011bl\u00e1 za 15 let celkem 45 dn\u00ed.<\/p>\n<p>Abyste do\u0161li k rent\u011b a m\u011bli sv\u00e9 pen\u00edze rozumn\u011b pod kontrolou, tak sta\u010d\u00ed jim v\u011bnovat 3 dny na za\u010d\u00e1tku a 45 dn\u00ed pr\u016fb\u011b\u017en\u011b.<\/p>\n<p>48 dn\u00ed!<\/p>\n<p>Co je na tom nejv\u00edc fascinuj\u00edc\u00ed?<\/p>\n<h3>48 dn\u00ed v\u00e1m koup\u00ed 15 let \u017eivota<\/h3>\n<p>Petr Syrov\u00fd p\u0159i\u0161el na to, \u017ee kdy\u017e je v\u00e1m 35 tak t\u00edm, \u017ee se budete v\u011bnovat sv\u00e9 rent\u011b, \u017ee o n\u00ed budete p\u0159em\u00fd\u0161let v\u010das, tak do \u201ed\u016fchodu\u201c p\u016fjdete o 15 let d\u0159\u00edv. M\u00edsto v 65 tak t\u0159eba v 50 letech.<\/p>\n<p>To je pom\u011brn\u011b realistick\u00fd obr\u00e1zek a realistick\u00e1 zku\u0161enost na\u0161ich klient\u016f, se kter\u00fdmi pracujeme. Zva\u017ete, jestli v\u00e1m to stoj\u00ed za to.<\/p>\n<h3>Pen\u00edze pracuj\u00ed za v\u00e1s<\/h3>\n<p>V pr\u00e1ci dostanete tolik pen\u011bz, kolik pr\u00e1ce odpracujete. Pokud jste v n\u011bjak\u00e9 \u00fakolov\u00e9 nebo hodinov\u00e9 mzd\u011b. Prost\u011b chod\u00edte m\u011bs\u00edc do pr\u00e1ce a dostanete za to X pen\u011bz. Mo\u017en\u00e1 n\u011bkdy n\u011bjak\u00e9 bonusy. Ale po\u0159\u00e1d je to v relaci k tomu \u010dasu, kter\u00fd na tom str\u00e1v\u00edte.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1145\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4a.jpg\" alt=\"\" width=\"1037\" height=\"718\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4a.jpg 1037w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4a-300x208.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4a-1024x709.jpg 1024w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-4a-768x532.jpg 768w\" sizes=\"(max-width: 1037px) 100vw, 1037px\" \/><\/p>\n<p>U investic to tak nefunguje. \u010c\u00edm v\u011bt\u0161\u00ed objem pen\u011bz m\u00e1te v investic\u00edch, tak za stejnou energii, kterou vy vyd\u00e1te, m\u016f\u017eete dostat v\u011bt\u0161\u00ed bal\u00edk pen\u011bz. A \u010d\u00edm d\u00e1l t\u00edm v\u00edc.<\/p>\n<p>Kdy\u017e vyd\u011bl\u00e1te 10% na 100 tis\u00edci korun\u00e1ch, tak vyd\u011bl\u00e1te 10 tis\u00edc.<br \/>\nKdy\u017e vyd\u011bl\u00e1te 10% na 10 milionech, tak vyd\u011bl\u00e1te 1 milion.<\/p>\n<p>Ale po\u0159\u00e1d na t\u011bch 10 % v\u00fdd\u011blku jste m\u011bli stejnou n\u00e1mahu energetickou a intelektu\u00e1ln\u00ed.<\/p>\n<h2>5. Kdy je nejlep\u0161\u00ed \u010das investovat?<\/h2>\n<p>\u010c\u00edm d\u0159\u00edv za\u010dnete, t\u00edm l\u00edp. Takhle jednodu\u0161e to funguje.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1146\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5.png\" alt=\"\" width=\"874\" height=\"500\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5.png 874w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5-300x172.png 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5-768x439.png 768w\" sizes=\"(max-width: 874px) 100vw, 874px\" \/><\/p>\n<p>Kdy\u017e m\u00e1te prvn\u00edch 800 tis\u00edc korun a m\u00e1te 30 let na to, abyste dos\u00e1hli rentu 30 tis\u00edc, tak v\u00e1m sta\u010d\u00ed d\u00e1vat 4 tis\u00edce 300 korun m\u011bs\u00ed\u010dn\u011b po dobu 30 let.<\/p>\n<p>Kdy\u017e na to m\u00e1te jenom 20 let, tak pot\u0159ebujete d\u00e1vat stranou 15 tis\u00edc. Nebo 180 tis\u00edc ro\u010dn\u011b, proto\u017ee dost\u00e1v\u00e1me v pr\u00e1ci bonus a ten \u010dasto hraje d\u016fle\u017eitou roli.<\/p>\n<p>Ale kdy\u017e to odlo\u017e\u00edte a budete cht\u00edt b\u00fdt nez\u00e1visl\u00fd za 20 let, 30 tis\u00edc renty, tak budete d\u00e1vat 15 tis\u00edc m\u011bs\u00ed\u010dn\u011b.<\/p>\n<p>Nech\u00e1te ut\u00e9ct dal\u0161\u00edch 5 let a svou rentu chcete za 15 let, tak najednou budete muset investovat 27 tis\u00edc m\u011bs\u00ed\u010dn\u011b.<\/p>\n<p>Kdy\u017e na cestu k rent\u011b budete m\u00edt jenom 10 let, tak budete muset d\u00e1vat 49 tis\u00edc m\u011bs\u00ed\u010dn\u011b. A jednoho dne to bude t\u0159eba \u00fapln\u011b nerealistick\u00e9, pokud jste do t\u00e9 doby neza\u010dali.<\/p>\n<p>Tak\u017ee za\u010dn\u011bte co nejd\u0159\u00edv. S investov\u00e1n\u00edm nen\u00ed t\u0159eba ot\u00e1let.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1147\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5a.png.jpg\" alt=\"\" width=\"602\" height=\"441\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5a.png.jpg 602w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-5a.png-300x220.jpg 300w\" sizes=\"(max-width: 602px) 100vw, 602px\" \/><\/p>\n<p>Ale je to t\u011b\u017ek\u00fd. Ka\u017ed\u00fd za\u010d\u00e1tek je t\u011b\u017ek\u00fd.<\/p>\n<ul>\n<li>Ve 25 letech si \u010dlov\u011bk chce u\u017e\u00edvat, moc nevyd\u011bl\u00e1v\u00e1 a nen\u00ed z \u010deho spo\u0159it.<\/li>\n<li>Ve 35 to je hypot\u00e9ka, n\u011bjak\u00fd d\u011bcka, dovolen\u00fd. Zn\u00e1m to, v\u00edm jak to funguje.<\/li>\n<li>Ve 45 d\u011bti jsou ve \u0161kole. Bylo by nezodpov\u011bdn\u00fd jim nedop\u0159\u00e1t. To je jako kvalitn\u00ed vzd\u011bl\u00e1n\u00ed, kvalitn\u00ed \u017eivot.<\/li>\n<li>V 55 letech u\u017e nen\u00ed jednoduch\u00fd za\u010d\u00edt.<\/li>\n<li>A v 65 u\u017e je pozd\u011b.<\/li>\n<\/ul>\n<p>Tak\u017ee dejte na to pozor.<\/p>\n<p>30 a\u017e 40 let je podle n\u00e1s takov\u00e1 hrani\u010dn\u00ed doba, kdy je skute\u010dn\u011b rozumn\u00e9 za\u010d\u00edt s p\u0159em\u00fd\u0161len\u00edm o rent\u011b.<\/p>\n<p>Kdy\u017e za\u010dnete d\u0159\u00edve, ve 25 letech, tak pravd\u011bpodobn\u011b do 40 m\u016f\u017eete b\u00fdt tak\u00e9 finan\u010dn\u011b nez\u00e1visl\u00fd.<\/p>\n<p>Ale kolem \u010dty\u0159ic\u00edtka je takov\u00fd relativn\u011b posledn\u00ed v\u011bk, kdy si \u010dlov\u011bk m\u016f\u017ee rentu napl\u00e1novat a potom si ji tak\u00e9 dob\u0159e u\u017e\u00edvat.<\/p>\n<h2>6. Co ud\u011blat pr\u00e1v\u011b te\u010f?<\/h2>\n<h3>Prvn\u00ed krok: Zmapujte c\u00edle&#8230;<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1148 size-medium\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6-201x300.jpg\" alt=\"\" width=\"201\" height=\"300\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6-201x300.jpg 201w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6.jpg 296w\" sizes=\"(max-width: 201px) 100vw, 201px\" \/><\/p>\n<p>Kdy\u017e byste cht\u011bli jenom jeden c\u00edl, a nic dal\u0161\u00edho ne\u0159e\u0161it, tak: Jak vysokou rentu chcete a jak\u00fd majetek k tomu bude pot\u0159eba.<\/p>\n<p>U\u017e jsme si <a href=\"https:\/\/www.investguru.cz\/cs\/jak-se-stat-rentierem\/\">\u0159\u00edkali<\/a>, \u017ee na rentu 30 tis\u00edc je pot\u0159eba zhruba 10 milion\u016f. Ne v\u0161echny mus\u00edte vyd\u011blat. Zhruba polovinu nebo 2\/3 z toho, podle toho, kolik na to budete m\u00edt \u010dasu, v\u00e1m pom\u016f\u017eou vyd\u011blat va\u0161e investice.<\/p>\n<p>Ujasn\u011bte si, za jak dlouho budete rentu cht\u00edt. To je taky zaj\u00edmav\u00e1 ot\u00e1zka.<\/p>\n<p>Kdy\u017e se zept\u00e1m, jestli \u010dlov\u011bk chce m\u00edt rentu nebo chce b\u00fdt finan\u010dn\u011b nez\u00e1visl\u00fd, a ten \u010dlov\u011bk, se kter\u00fdm se potk\u00e1m, \u0159ekne: <em>\u201eJo, to chci.\u201c<\/em><\/p>\n<p>Tak j\u00e1 se zept\u00e1m: <em>\u201eKdy chcete b\u00fdt finan\u010dn\u011b nez\u00e1visl\u00fd?\u201c<\/em><\/p>\n<p>A v\u00edte jak\u00e1 je typick\u00e1 odpov\u011b\u010f?<\/p>\n<p>Typick\u00e1 odpov\u011b\u010f je: <em>\u201eVladim\u00edre, tak z\u00edtra?\u201c<\/em> To \u0159\u00edkaj\u00ed pesimisti.<\/p>\n<p>Anebo: <em>\u201eJe\u0161t\u011b dneska.\u201c<\/em> To \u0159\u00edkaj\u00ed optimisti.<\/p>\n<p>A\u017e v druh\u00fdm kroku, kdy\u017e se zept\u00e1m: \u201e<em>Realisticky za jak dlouho?<\/em>\u201c<\/p>\n<p>Tak velmi \u010dasto ta odpov\u011b\u010f je: <em>\u201eN\u011bjak\u00fdch 15 let.\u201c<\/em><\/p>\n<p>V pr\u016fm\u011bru n\u00e1m lidi \u0159\u00edkaj\u00ed za 15 let. To je pro n\u011b rozumn\u00fd \u010dasov\u00fd horizont. N\u011bkdo \u0159ekne za 20 let, proto\u017ee v\u00ed, \u017ee ho hypot\u00e9ka tro\u0161ku \u0161krt\u00ed u krku a nem\u00e1 \u0161anci to d\u00e1t d\u0159\u00edv.<\/p>\n<p>N\u011bkdo \u0159ekne za 10 let, proto\u017ee u\u017e m\u00e1 n\u011bjak\u00e9 pen\u00edze, nebo u\u017e taky n\u011bjak\u00fd v\u011bk. Pot\u0159ebuje, aby to bylo d\u0159\u00edv.<\/p>\n<p>Tak\u017ee prvn\u00ed v\u011bc je, zmapujte c\u00edle. Co chcete, kdy to chcete, kolik to stoj\u00ed.<\/p>\n<p>Rentu jsme si \u0159ekli, podobn\u00fdm zp\u016fsobem je pot\u0159eba zmapovat dal\u0161\u00ed c\u00edle. T\u011bch c\u00edl\u016f nemapujte moc. Sta\u010d\u00ed 2, 3, maxim\u00e1ln\u011b 4. Bydlen\u00ed, vzd\u011bl\u00e1n\u00ed d\u011bt\u00ed, nez\u00e1vislost &#8211; renta. To jsou 3 nejtypi\u010dt\u011bj\u0161\u00ed.<\/p>\n<p>Kdy\u017e tam budete d\u00e1vat to, \u017ee si chcete za p\u016fl roku koupit ledni\u010dku, to je tak mal\u00fd c\u00edl, \u017ee se v tom velk\u00e9m glob\u00e1ln\u00edm c\u00edli bude jen zbyte\u010dn\u011b pl\u00e9st. Ned\u011blejte to. Jd\u011bte po velk\u00fdch strategick\u00fdch c\u00edlech, kter\u00e9 se po\u0159izuj\u00ed za pen\u00edze.<\/p>\n<h3>&#8230;a zmapujte tak\u00e9 zdroje<\/h3>\n<p>Je pot\u0159eba sepsat si, co dneska m\u00e1te. Jak\u00fd majetek.\u00a0 Jak\u00fd m\u00e1te vy. Jak\u00fd m\u00e1 va\u0161e partnerka, nebo v\u00e1\u0161 partner.<\/p>\n<p>Kolik m\u016f\u017eete d\u00e1vat stranou z hlediska cash flow. Jak\u00e9 m\u00e1te p\u0159\u00edjmy, v\u00fddaje. Kolik v\u00e1m vlastn\u011b zb\u00fdv\u00e1 na budoucnost. Kolik m\u016f\u017eete d\u00e1vat stranou.<\/p>\n<p>Inventura je dal\u0161\u00ed d\u016fle\u017eit\u00fd krok. Nejenom inventura c\u00edl\u016f, ale i inventura zdroj\u016f.<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1149 size-medium\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6a-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6a-300x199.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6a.jpg 589w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Druh\u00fd krok: P\u0159i\u0159a\u010fte k sob\u011b c\u00edle a zdroje<\/h3>\n<p>A jakmile m\u00e1te tyhle dv\u011b v\u011bci p\u0159ed sebou, tak ke ka\u017ed\u00e9mu c\u00edli m\u016f\u017eete vytvo\u0159it \u201evirtu\u00e1ln\u00ed ob\u00e1lku\u201d, do kter\u00e9 budete pos\u00edlat pen\u00edze. D\u011blali to tak u\u017e na\u0161e babi\u010dky. M\u011bli ob\u00e1lky nebo <a href=\"https:\/\/www.investguru.cz\/cs\/hrnickova-metoda-sporeni\/\">hrn\u00ed\u010dky<\/a> na j\u00eddlo, na n\u00e1jemn\u00e9, na uhl\u00ed.<\/p>\n<p>Ta logika je po\u0159\u00e1d stejn\u00e1. Selsk\u00fd rozum. Rozd\u011blte si c\u00edle a p\u0159i\u0159a\u010fte k nim zdroje. A uvid\u00edte co vyjde.<\/p>\n<h3><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-1150\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6b-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6b-300x200.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-6b.jpg 542w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>T\u0159et\u00ed krok: Zvolte pro ka\u017edou \u201eob\u00e1lku\u201c spr\u00e1vnou <b>alokaci<\/b><\/h3>\n<p>A\u017e vymysl\u00edte, kter\u00e9 zdroje m\u00e1te na jak\u00e9 c\u00edle, tak dejte pozor, abyste nedali v\u0161echno do jednoho produktu. Nejprve spr\u00e1vn\u00e1 alokace a n\u00e1sledn\u011b diverzifikace mezi r\u016fzn\u00e9 produkty.<\/p>\n<p>Alokace je zjednodu\u0161en\u011b rozlo\u017een\u00ed. Kolik pen\u011bz bude v akci\u00edch, v dluhopisech, v hotovosti. Kdy v\u00edc a kdy m\u00e9n\u011b.<\/p>\n<p>Kdy\u017e m\u00e1te p\u0159ed sebou 10-15 let investov\u00e1n\u00ed, m\u016f\u017eete m\u00edt 60% v akci\u00edch, a nic se nestane. Ale kdy\u017e m\u00e1te do renty 1-2 roky, tak to bude m\u00e9n\u011b. T\u0159eba jenom t\u0159etina portfolia bude v akciov\u00fdch strategi\u00edch.<\/p>\n<p>Vedle inspirac\u00ed z p\u0159edchoz\u00edho videa\u00a0<a href=\"https:\/\/www.investguru.cz\/cs\/do-ceho-investovat\/\">Do \u010deho konkr\u00e9tn\u011b investovat na cest\u011b k rent\u011b<\/a> se m\u016f\u017eete pod\u00edvat tak\u00e9 na \u201efondy \u017eivotn\u00edho cyklu\u201d. Pod\u00edvejte se na tenhle term\u00ednus technicus. Pod\u00edvejte se na to, jak rozkl\u00e1daj\u00ed pen\u00edze v \u010dasov\u00fdch horizontech.<\/p>\n<h3>\u010ctvrt\u00fd krok: \u010c\u00edm v\u00edce m\u00e1te pen\u011bz, t\u00edm v\u00edce diverzifikujte<\/h3>\n<p>Kdy\u017e jsem o rodi\u010d\u016f (je\u0161t\u011b za Hus\u00e1ka) dostal prvn\u00ed stokorunu, tak jsem ji rad\u011bji rozm\u011bnil, abych v\u0161echny sv\u00e9 pen\u00edze nenosil pohromad\u011b. Te\u010f m\u00e1 stokoruna jinou hodnotu a tak\u00e9 to nejsou m\u00e9 jedin\u00e9 pen\u00edze.<\/p>\n<p>Pokud m\u00e1 \u010dlov\u011bk prvn\u00edch 10 tis\u00edc korun, tak je mo\u017en\u00e9, \u017ee se o n\u011b boj\u00ed. Z pohledu cel\u00e9ho \u017eivota jde ale o drobn\u00e9. Kdy\u017e je investujete do jednoho produktu a n\u011bco se s n\u00edm stane, tak o n\u011b m\u016f\u017eete p\u0159ij\u00edt, ale asi v\u00e1s to nepolo\u017e\u00ed. Nem\u00e1 smysl rozd\u011blit ka\u017edou korunu na hal\u00ed\u0159e a ty pak poslat do r\u016fzn\u00fdch \u010d\u00e1st\u00ed sv\u011bta.<\/p>\n<p>\u010d\u00edm v\u011bt\u0161\u00ed portfolio ale m\u00e1te, t\u00edm je jeho ochrana d\u016fle\u017eit\u011bj\u0161\u00ed. Kdy\u017e nevyjde investice ve v\u00fd\u0161i 200 tis\u00edc, co\u017e m\u016f\u017eou b\u00fdt va\u0161e ro\u010dn\u00ed \u00faspory, tak to zabol\u00ed.<\/p>\n<p>P\u0159i p\u0159em\u00fd\u0161len\u00ed o ochran\u011b sv\u00e9ho bohatstv\u00ed myslete na kone\u010dn\u00fd stav. Jednou budete m\u00edt jednotky nebo des\u00edtky milion\u016f. Napl\u00e1nujte si takov\u00e9 portfolio a postupn\u011b ho stavte. N\u011bjak\u00e9 jeho \u010d\u00e1sti budete \u0159e\u0161it hned, n\u011bjak\u00e9 za 3 roky, a\u017e budete m\u00edt prvn\u00ed milion, n\u011bjak\u00e9 za 8 let, a\u017e budete m\u00edt milion\u016f 5 atd.<\/p>\n<p>Takov\u00e1 p\u0159\u00edprava v\u00e1m m\u016f\u017ee u\u0161et\u0159it velk\u00e9 \u010d\u00e1stky na dan\u00edch.<\/p>\n<h3>P\u00e1t\u00fd krok: Vyberte vhodn\u00e9\u00a0<b>produkty<\/b><\/h3>\n<p>O tom, <a href=\"https:\/\/www.investguru.cz\/cs\/do-ceho-investovat\/\">do \u010deho investovat<\/a>, jsme mluvili v p\u0159edchoz\u00edm videu. P\u0159i volb\u011b produkt\u016f vych\u00e1zejte ze sv\u00fdch c\u00edl\u016f, alokace a diverzifikace.<\/p>\n<p>Sp\u00ed\u0161 ne\u017e jednotliv\u00e9 akcie a zat\u00edm pom\u011brn\u011b n\u00e1kladn\u00e9 aktivn\u011b \u0159\u00edzen\u00e9 pod\u00edlov\u00e9 fondy up\u0159ednost\u0148ujte ETF. Jsou jich v principu tis\u00edce a rozhodn\u011b m\u00e1te z \u010deho do sv\u00e9ho pl\u00e1nu vyb\u00edrat.<\/p>\n<h3>A to v principu v\u00e1\u0161 investi\u010dn\u00ed pl\u00e1n!<\/h3>\n<p>V\u00edte kam sm\u011b\u0159ujete, co m\u00e1te a jak to, co m\u00e1te, rozd\u011bl\u00edte do r\u016fzn\u00fdch \u010dasov\u00fdch horizont\u016f a do r\u016fzn\u00fdch typ\u016f investic. Z hlediska alokace a diverzifikace. Kdy\u017e tohle v\u0161echno ud\u011bl\u00e1te, pot\u0159ebujete potom posledn\u00ed v\u011bc.<\/p>\n<p>Samoz\u0159ejm\u011b jakmile projdete tento cyklus poprv\u00e9, tak se k n\u011bmu pozd\u011bji op\u011bt vracejte. My v\u011bt\u0161inou d\u011bl\u00e1me aktualizaci pl\u00e1nu, kdy\u017e se nezm\u011bn\u00ed n\u011bco z\u00e1sadn\u00edho v \u017eivot\u011b klienta, v\u017edy jednou za 3 roky.<\/p>\n<p>Proto\u017ee se n\u011bco zm\u011bn\u00ed. Ono se to nezd\u00e1, ale v\u011bci se posouvaj\u00ed. Tak\u017ee jednou za 3 roky minim\u00e1ln\u011b se vra\u0165te zp\u00e1tky a to kole\u010dko ud\u011blejte znova.<\/p>\n<p>Nebo kdy\u017e se v c\u00edlech nebo ve zdroj\u00edch n\u011bco v\u00fdrazn\u011b zm\u011bn\u00ed. Dostanete v\u011bt\u0161\u00ed p\u0159\u00edjem, men\u0161\u00ed p\u0159\u00edjem, objev\u00ed se nov\u00fd c\u00edl. Narod\u00ed se d\u00edt\u011b, atd.<\/p>\n<h2>7. Co je t\u0159eba, aby \u010dlov\u011bk v investov\u00e1n\u00ed usp\u011bl?<\/h2>\n<p>Jakmile za\u010dnete investovat, dejte velk\u00fd pozor na to, abyste m\u011bli emoce skute\u010dn\u011b pod kontrolou. Aby v\u00e1s nep\u0159ev\u00e1lcovaly, proto\u017ee to je velk\u00e9 nebezpe\u010d\u00ed, kter\u00e9 m\u016f\u017ee na v\u00e1s \u010dekat. Asi jedno z nejv\u011bt\u0161\u00edch. Tak\u017ee na to pozor.<\/p>\n<h3>Pro\u010d lid\u00e9 neusp\u011bj\u00ed v investov\u00e1n\u00ed?<\/h3>\n<p>Proto\u017ee k tomu p\u0159istupuj\u00ed jako, kdy\u017e pejsek s ko\u010di\u010dkou d\u011blali dort.<\/p>\n<figure id=\"attachment_1071\" aria-describedby=\"caption-attachment-1071\" style=\"width: 602px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1071 size-full\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/pejsek-a-ko\u010di\u010dka-e1485934068997.jpg\" alt=\"\" width=\"602\" height=\"365\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/pejsek-a-ko\u010di\u010dka-e1485934068997.jpg 602w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/pejsek-a-ko\u010di\u010dka-e1485934068997-300x182.jpg 300w\" sizes=\"(max-width: 602px) 100vw, 602px\" \/><figcaption id=\"caption-attachment-1071\" class=\"wp-caption-text\">Kreslil Josef \u010capek<\/figcaption><\/figure>\n<p>Bez ladu, bez skladu. Nem\u00e1 to hlavu, nem\u00e1 to patu. Kupuj\u00ed si produkty m\u00edsto toho, aby m\u011bli jasnou strategii. Jasn\u00fd c\u00edl a ob\u00e1lky, hrn\u00ed\u010dky nebo n\u00e1doby, do kter\u00fdch budou d\u00e1vat pen\u00edze. \u0158e\u0161ili alokaci a diverzifikaci. A teprve potom si po\u0159\u00eddili produkty.<\/p>\n<p>Tak\u017ee na to velk\u00fd pozor. A nenechte se t\u00edm p\u0159ev\u00e1lcovat.<\/p>\n<p>A te\u010f u\u017e v\u00edte ty nejd\u016fle\u017eit\u011bj\u0161\u00ed v\u011bci. Ono jich zas tolik nen\u00ed. Selsk\u00fd rozum. Jasn\u00e9 p\u0159em\u00fd\u0161len\u00ed. A fokus na v\u011bci, kter\u00e9 jsou d\u016fle\u017eit\u00e9 pro to, abyste se mohl vydat na cestu k rent\u011b.<\/p>\n<p>Jak u\u017e jsem \u0159\u00edkal u\u017e ve videu\u00a0<a href=\"https:\/\/www.investguru.cz\/cs\/jak-se-stat-rentierem\/\">Jak se oby\u010dejn\u00fd \u010dlov\u011bk m\u016f\u017ee st\u00e1t finan\u010dn\u011b nez\u00e1visl\u00fdm renti\u00e9rem<\/a>: Renta je ot\u00e1zkou rozhodnut\u00ed. Va\u0161e renta je ot\u00e1zkou va\u0161eho rozhodnut\u00ed.<\/p>\n<p>Z\u00e1le\u017e\u00ed jenom na v\u00e1s, jestli chcete k n\u00ed sm\u011b\u0159ovat. Pokud ano, ud\u011blejte to.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1151\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-8.jpg\" alt=\"\" width=\"770\" height=\"493\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-8.jpg 770w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-8-300x192.jpg 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-8-768x492.jpg 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/p>\n<h2>Jak nyn\u00ed d\u00e1l?<\/h2>\n<p>Investic se nemus\u00edte b\u00e1t. U\u017e za\u010d\u00edn\u00e1te tu\u0161it, jak na n\u011b, tak studujte d\u00e1l, opakujte si principy, kter\u00e9 s v\u00e1mi zde na str\u00e1nk\u00e1ch InvestGuru sd\u00edl\u00edme.<\/p>\n<p>Nechte si poradit od bank\u00e9\u0159e nebo poradce. To nen\u00ed nic proti ni\u010demu.<\/p>\n<h3>M\u00e1me \u010das na v\u011bci, na kter\u00e9 na\u0161i klienti \u010das nemaj\u00ed nebo m\u00edt necht\u011bj\u00ed.<\/h3>\n<p>To je na\u0161e nejv\u011bt\u0161\u00ed p\u0159idan\u00e1 hodnota. Ne to, \u017ee bychom byli chyt\u0159ej\u0161\u00ed ne\u017e na\u0161i klienti. Na\u0161i klienti jsou velmi chyt\u0159\u00ed lid\u00e9, \u00fasp\u011b\u0161n\u00ed, kte\u0159\u00ed n\u011bco dok\u00e1zali. Ale necht\u011bj\u00ed m\u00edt \u010das na v\u011bci, kter\u00e9 d\u011bl\u00e1me my.<\/p>\n<p>N\u00e1s investov\u00e1n\u00ed bav\u00ed. J\u00e1 je\u0161t\u011b po\u0159\u00e1d nev\u00edm, jestli to budu d\u011blat do 100 nebo do 120 let. Ale bav\u00ed m\u011b to.<\/p>\n<p>Ka\u017ed\u00fd je na n\u011bco odborn\u00edk a nen\u00ed \u0161patn\u011b si nechat poradit. Ale nezapome\u0148te, \u017ee ten, kdo v\u00e1m bude radit,<br \/>\nv\u00e1m mus\u00ed d\u00e1t k dispozici pl\u00e1n, kde je renta. Ne renta, kterou jste mu podsunuli, ale on v\u00e1m o ni mus\u00ed \u0159\u00edct, \u017ee je to v\u00e1\u0161 d\u016fle\u017eit\u00fd c\u00edl. Nepodsouvejte j\u00ed p\u0159edem.<\/p>\n<h2>Vydejte se na cestu k rent\u011b<\/h2>\n<p><a href=\"https:\/\/www.investguru.cz\/cs\/prihlaska?utm_source=investguru&amp;utm_medium=blog&amp;utm_campaign=video-4\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1152\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-9.jpg\" alt=\"\" width=\"489\" height=\"258\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-9.jpg 489w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/06\/7-otazek-9-300x158.jpg 300w\" sizes=\"(max-width: 489px) 100vw, 489px\" \/><\/a><\/p>\n<p>A pokud byste cht\u011bli v\u011bd\u011bt je\u0161t\u011b v\u00edc od n\u00e1s, tak my pro v\u00e1s m\u00e1me <a href=\"https:\/\/www.investguru.cz\/cs\/prihlaska?utm_source=investguru&#038;utm_medium=blog&#038;utm_campaign=video-4\">5t\u00fddenn\u00ed program InvestGuru 2020<\/a> s ro\u010dn\u00ed podporou, o kter\u00e9m jsem se u\u017e v pr\u016fb\u011bhu vide\u00ed \u010d\u00e1ste\u010dn\u011b zmi\u0148oval.<\/p>\n<p>V\u0161echny informace o programu InvestGuru 2020 a \u00fa\u017easn\u00fdch bonusech, kter\u00e9 jsme pro v\u00e1s p\u0159ipravili, v\u00e1m sd\u011bl\u00edm ve videu&#8230;<\/p>\n<p style=\"text-align: center;\"><a class=\"button\" href=\"https:\/\/www.investguru.cz\/cs\/prihlaska?utm_source=investguru&amp;utm_medium=blog&amp;utm_campaign=video-4\" target=\"_blank\" rel=\"noopener noreferrer\">Zjistit v\u00edce o InvestGuru 2020<\/a><\/p>\n<p>U\u017e te\u010f mi pi\u0161te ot\u00e1zky dol\u016f do koment\u00e1\u0159\u016f. Pr\u016fb\u011b\u017en\u011b v\u00e1m na n\u011b budeme odpov\u00eddat. <\/p>\n<p>Posledn\u00ed v\u011bc&#8230;<\/p>\n<p>Kdy\u017e budete cht\u00edt, tak m\u016f\u017eeme i pomoc v\u00e1m. St\u00e1t se a z\u016fstat renti\u00e9ry.<\/p>\n<p>Ale mus\u00edte za\u010d\u00edt. Kdy\u017e neza\u010dnete, nikam se neposunete.<\/p>\n<p>Budeme se t\u011b\u0161it na dal\u0161\u00ed shled\u00e1n\u00ed s v\u00e1mi. P\u0159\u00edpadn\u011b i s kolegy Petrem Syrov\u00fdm,\u00a0Tom\u00e1\u0161em Tylem,<br \/>\nHonzou Val\u00e1\u0161kem a Ale\u0161em Prandstetterem n\u011bkdy p\u0159\u00ed\u0161t\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Neexistuj\u00ed \u017e\u00e1dn\u00e9 hloup\u00e9 ot\u00e1zky a v investov\u00e1n\u00ed to plat\u00ed hned n\u011bkolikan\u00e1sobn\u011b.<\/p>\n","protected":false},"author":2,"featured_media":1136,"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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