{"id":1219,"date":"2020-08-11T13:00:01","date_gmt":"2020-08-11T11:00:01","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1219"},"modified":"2020-10-14T14:19:02","modified_gmt":"2020-10-14T12:19:02","slug":"miliony-kdyz-prodate-nemovitost","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/","title":{"rendered":"Co d\u011blat se 4 miliony, kdy\u017e prod\u00e1te nemovitost?"},"content":{"rendered":"

Honza te\u010f prodal d\u016fm a cht\u011bl v\u011bd\u011bt, jak se o sv\u00e9 pen\u00edze co nejl\u00e9pe postarat.<\/p>\n

Poradil jsem mu jednu pokro\u010dilou techniku pro bezkonkure\u010dn\u00ed v\u00fdnos p\u0159i velmi dobr\u00e9 likvidit\u011b.<\/p>\n

Ale narazili jsme na oblast, kter\u00e1 m\u016f\u017ee b\u00fdt pro n\u011bj daleko d\u016fle\u017eit\u011bj\u0161\u00ed.<\/p>\n

Je to nesm\u00edrn\u011b siln\u00fd princip, na kter\u00fd se \u010dasto zapom\u00edn\u00e1. A to m\u016f\u017ee st\u00e1t miliony.<\/p>\n

Na n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch tento princip ukazuji na p\u0159\u00edstupu Radovana, kter\u00fd m\u00e1 sice m\u00e9n\u011b pen\u011bz, ale p\u0159esn\u011b v\u00ed, co chce.<\/p>\n

Honza i Radovan jsou velmi chyt\u0159\u00ed chytr\u00e9 lid\u00e9 a li\u0161\u00ed se od sebe v tom, jak uva\u017euj\u00ed (nebo neuva\u017euj\u00ed) o sv\u00fdch finan\u010dn\u00edch c\u00edlech.<\/p>\n

M\u00e1m voln\u00e9 4 miliony korun<\/h2>\n

Honza nen\u00ed n\u00e1\u0161 klient, ale v minulosti se p\u0159ihl\u00e1sil k odb\u011bru na\u0161eho newsletteru, a te\u010f cht\u011bl poradit, jak nejl\u00e9pe nalo\u017eit s pen\u011bzi, kter\u00e9 m\u00e1 k dispozici. Zavolali jsme si a j\u00e1 z\u00edskal v\u00edce informac\u00ed.<\/p>\n

Prodal te\u010f d\u016fm a m\u00e1 voln\u00e9 4 miliony korun. R\u00e1d by si koupil n\u011bjak\u00fd apartm\u00e1n nebo chati\u010dku na hor\u00e1ch a tam se jednoho dne odst\u011bhoval. Ale nev\u00ed, jestli to bude za rok, za dva nebo za 5 let.<\/p>\n

Bylo zaj\u00edmav\u00e9, \u017ee Honza se na m\u011b obr\u00e1til, proto\u017ee \u0159\u00edkal: \u201eNo j\u00e1 m\u00e1m n\u011bjakou poradkyni, ale j\u00e1 j\u00ed moc nev\u011b\u0159\u00edm. Ona mi po\u0159\u00e1d n\u011bco doporu\u010duje, ale nejsem si \u00fapln\u011b jist\u00fd v kramflec\u00edch.\u201c<\/em> <\/p>\n

Zjistili jsme, \u017ee jeho poradkyn\u011b je \u010dlov\u011bk, kter\u00fd je placen\u00fd provizn\u011b. M\u00e1 provizi za to, \u017ee n\u011bco prod\u00e1. A Honza, coby mana\u017eer v jedn\u00e9 \u00fasp\u011b\u0161n\u00e9 firm\u011b, c\u00edtil, \u017ee to nen\u00ed \u00fapln\u011b to prav\u00e9 o\u0159echov\u00e9.<\/p>\n

Ka\u017edop\u00e1dn\u011b te\u010f m\u00e1 4 milionu na \u00fa\u010dtu. Co s nimi d\u011blat?<\/strong><\/p>\n

Pro kr\u00e1tkodob\u00e9 pen\u00edze nen\u00ed lep\u0161\u00ed alternativy ne\u017e proti-infla\u010dn\u00ed dluhopisy<\/h2>\n

Tady nen\u00ed moc co \u0159e\u0161it. \u0158ekl jsem mu, \u017ee vzhledem k tomu, \u017ee jde o kr\u00e1tk\u00e9 obdob\u00ed, tak smysl d\u00e1vaj\u00ed jedin\u011b proti-infla\u010dn\u00ed dluhopisy<\/a>.<\/p>\n

Ty jsou sice na 6 let, ale d\u00edky sv\u00e9 konstrukci z nich m\u016f\u017eete ka\u017ed\u00fd rok \u010d\u00e1st pen\u011bz vybrat.<\/p>\n

\u010cist\u00fd v\u00fdnos proti-infla\u010dn\u00edch dluhopis\u016f je inflace (index spot\u0159ebitelsk\u00fdch cen podle \u010cS\u00da) + 0,5 % – 15 % da\u0148.<\/strong><\/p>\n\n\n\n\n\n\n\n\n
Investice 4.000.000 K\u010d do proti-infla\u010dn\u00edch dluhopis\u016f najednou<\/caption>\n
Datum<\/th>\nV\u00fdnos<\/th>\nP\u0159ipsan\u00fd \u00farok<\/th>\nZ\u016fstatek<\/th>\nV\u00fdb\u011br<\/th>\n<\/tr>\n
1.10.2020<\/th>\n–<\/td>\n–<\/td>\n4.000.000 K\u010d<\/td>\n–<\/td>\n<\/tr>\n
1.10.2021<\/th>\n2,975 %<\/td>\n119.000 K\u010d<\/td>\n4.119.000 K\u010d<\/td>\n2.250.000 K\u010d<\/td>\n<\/tr>\n
1.10.2022<\/th>\n2,975 %<\/td>\n55.602 K\u010d<\/td>\n1.924.602 K\u010d<\/td>\n1.184.500 K\u010d<\/td>\n<\/tr>\n
1.10.2023<\/th>\n2,975 %<\/td>\n22.018 K\u010d<\/td>\n762.120 K\u010d<\/td>\n620.051 K\u010d<\/td>\n<\/tr>\n
1.10.2024<\/th>\n2,975 %<\/td>\n4.226 K\u010d<\/td>\n146.295 K\u010d<\/td>\n142.069 K\u010d<\/td>\n<\/tr>\n
\u010cist\u00fd zisk k 1.10.2024<\/td>\n200.847 K\u010d<\/strong><\/td>\n<\/tr>\n<\/table>\n

(Uv\u00e1d\u011bn\u00fd p\u0159\u00edklad po\u010d\u00edt\u00e1 s inflac\u00ed 3 %. Hrub\u00fd zisk 3,5 % – 15 % da\u0148 = \u010dist\u00fd v\u00fdnos 2,975 %. Nap\u0159. prvn\u00ed proti-infla\u010dn\u00ed dluhopisy, kter\u00e9 jsme doporu\u010dovali od dubna 2019, vyplatily v\u00fdnos 3,66 % p.a. – zdroj MF \u010cR<\/a>)<\/small><\/p>\n

Honza bude m\u00edt k dispozici t\u00e9m\u011b\u0159 v\u0161echny pen\u00edze po 4 letech. Ale on chce kupovat nemovitost mo\u017en\u00e1 d\u0159\u00edv a \u010dekat 4 roky m\u016f\u017ee b\u00fdt probl\u00e9m.<\/p>\n

Pak je ide\u00e1ln\u00ed n\u00e1kup dluhopis\u016f rozlo\u017eit na n\u011bkolik \u010dlen\u016f rodiny a na n\u011bkolik kvart\u00e1l\u016f. D\u00edky tomu zajist\u00ed jejich lep\u0161\u00ed likviditu.<\/p>\n\n\n\n\n\n\n\n
Investice 4.000.000 K\u010d do proti-infla\u010dn\u00edch dluhopis\u016f na dva \u00fa\u010dty po 2 milionech<\/caption>\n
Datum<\/th>\nV\u00fdnos<\/th>\nP\u0159ipsan\u00fd \u00farok<\/th>\nZ\u016fstatek<\/th>\nV\u00fdb\u011br<\/th>\n<\/tr>\n
1.10.2020<\/th>\n–<\/td>\n–<\/td>\n4.000.000 K\u010d<\/td>\n–<\/td>\n<\/td>\n<\/tr>\n
1.10.2021<\/th>\n2,975 %<\/td>\n119.000 K\u010d<\/td>\n4.119.000 K\u010d<\/td>\n2.500.000 K\u010d<\/td>\n<\/tr>\n
1.10.2022<\/th>\n2,975 %<\/td>\n48.165 K\u010d<\/td>\n1.667.165 K\u010d<\/td>\n1.309.500 K\u010d<\/td>\n<\/tr>\n
1.10.2023<\/th>\n2,975 %<\/td>\n10.640 K\u010d<\/td>\n368.305 K\u010d<\/td>\n357.665 K\u010d<\/td>\n<\/tr>\n
\u010cist\u00fd zisk k 1.10.2023<\/td>\n177.805 K\u010d<\/strong><\/td>\n<\/tr>\n<\/table>\n

Vysv\u011btlili jsme si, \u017ee kdy\u017e si je po\u0159\u00edd\u00ed n\u011bkolik lid\u00ed v rodin\u011b a je\u0161t\u011b v pr\u016fb\u011bhu n\u011bkolika kvart\u00e1l\u016f, tak se vlastn\u011b z 6let\u00e9ho dluhopisu st\u00e1v\u00e1 ro\u010dn\u00ed term\u00ednovan\u00fd vklad s v\u00fdnosem, kter\u00fd v podstat\u011b nem\u00e1 konkurence.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Investice 4.000.000 K\u010d do proti-infla\u010dn\u00edch dluhopis\u016f po kvart\u00e1lech na dva \u00fa\u010dty po 500 tis\u00edc<\/caption>\n
Datum<\/th>\nV\u00fdnos<\/th>\nP\u0159ipsan\u00fd \u00farok<\/th>\nZ\u016fstatek<\/th>\nV\u00fdb\u011br<\/th>\n<\/tr>\n
1.10.2020<\/th>\n–<\/td>\n–<\/td>\n1.000.000 K\u010d<\/td>\n–<\/td>\n<\/tr>\n
1.1.2021<\/th>\n–<\/td>\n–<\/td>\n1.000.000 K\u010d<\/td>\n–<\/td>\n<\/tr>\n
1.4.2021<\/th>\n–<\/td>\n–<\/td>\n1.000.000 K\u010d<\/td>\n–<\/td>\n<\/tr>\n
1.7.2021<\/th>\n–<\/td>\n–<\/td>\n1.000.000 K\u010d<\/td>\n–<\/td>\n<\/tr>\n
1.10.2021<\/th>\n2,975 %<\/td>\n29.750 K\u010d<\/td>\n1.029.750 K\u010d<\/td>\n1.000.000 K\u010d<\/td>\n<\/tr>\n
1.1.2022<\/th>\n2,975 %<\/td>\n29.750 K\u010d<\/td>\n1.029.750 K\u010d<\/td>\n1.000.000 K\u010d<\/td>\n<\/tr>\n
1.4.2022<\/th>\n2,975 %<\/td>\n29.750 K\u010d<\/td>\n1.029.750 K\u010d<\/td>\n1.000.000 K\u010d<\/td>\n<\/tr>\n
1.7.2022<\/th>\n2,975 %<\/td>\n29.750 K\u010d<\/td>\n1.029.750 K\u010d<\/td>\n1.000.000 K\u010d<\/td>\n<\/tr>\n
\u010cist\u00fd zisk ro\u010dn\u011b<\/td>\n119.000 K\u010d<\/strong><\/td>\n<\/tr>\n<\/table>\n

(Plat\u00ed pouze za p\u0159edpokladu, \u017ee st\u00e1t bude d\u00e1l emitovat dluhopisu ka\u017ed\u00e9 \u010dtvrtlet\u00ed.)<\/small><\/p>\n

V\u00edc do detailu v tomto \u010dl\u00e1nku nep\u016fjdeme. Pokud v\u00e1s proti-infla\u010dn\u00ed dluhopisy zaj\u00edmaj\u00ed, st\u00e1hn\u011bte si na\u0161i nejnov\u011bj\u0161\u00ed anal\u00fdzu<\/a>, kde o tomto principu p\u00ed\u0161eme.<\/p>\n

Zapomn\u011bl na to, co je d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e 4 miliony<\/h2>\n

Krom\u011b proti-infla\u010dn\u00edch dluhopis\u016f jsem se Honzy tak\u00e9 zeptal, jestli u\u017e uva\u017eoval o rent\u011b. Jestli si uv\u011bdomuje, \u017ee jednoho dne bude m\u00edt n\u011bjak\u00fd majetek, kter\u00fd ho m\u016f\u017ee \u017eivit a m\u016f\u017ee z n\u011bj \u010derpat rentu. <\/p>\n

A on na to: \u201eNo, je mi 54 let, asi u\u017e bych m\u011bl o tom za\u010d\u00edt pomalu uva\u017eovat. Asi u\u017e bych to cht\u011bl, Vladim\u00edre, za\u010d\u00edt \u0159e\u0161it.\u201c<\/em><\/p>\n

J\u00e1 \u0159\u00edk\u00e1m: \u201eNo, z\u00e1le\u017e\u00ed na v\u00e1s, Honzo. M\u011b je te\u010f 51 let, m\u00e1m podobn\u00fd v\u011bk. Mysl\u00edm, \u017ee je d\u016fle\u017eit\u00e9 p\u0159em\u00fd\u0161let o tom, jak vlastn\u011b a z \u010deho budu jednoho dne \u017e\u00edt. A\u017e nebudu cht\u00edt pracovat. Nebo ze zdravotn\u00edch d\u016fvod\u016f nebudu moct.\u201c<\/em><\/p>\n

Tak jsme se domluvili, \u017ee si k tomu je\u0161t\u011b zavol\u00e1me. Takov\u00e9 p\u0159em\u00fd\u0161len\u00ed toti\u017e nen\u00ed dobr\u00e9 usp\u011bchat.<\/p>\n

Princip slo\u017een\u00e9ho \u00faro\u010den\u00ed<\/h3>\n

Honza myslel prim\u00e1rn\u011b na budoucnost, kter\u00e1 je vzd\u00e1len\u00e1 rok, dva, t\u0159i. Ale to d\u016fle\u017eit\u00e9, co bude za 10, 15 let, nem\u011bl na z\u0159eteli. Mysl\u00edm si, \u017ee v 54 letech je u\u017e skoro na pov\u00e1\u017eenou.<\/p>\n

V horizontu 10, 15 let za\u010d\u00edn\u00e1 fungovat slo\u017een\u00e9 \u00faro\u010den\u00ed. Zjednodu\u0161en\u011b \u00farok z \u00farok\u016f nebo v\u00fdnos z v\u00fdnos\u016f.<\/p>\n

To, co v kr\u00e1tk\u00e9m horizontu vypad\u00e1 jako sn\u011bhov\u00e1 vlo\u010dka, se \u010dasem prom\u011bn\u00ed na sn\u011bhovou kouli. Pod\u00edvejte se, jak vypad\u00e1 \u00farok 5,3 % po 10 letech. Z p\u016fvodn\u00edch 4 milion\u016f je 6,7 milion\u016f a to i za p\u0159edpokladu, \u017ee Honza nebude odkl\u00e1dat dal\u0161\u00ed pen\u00edze. <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Investice 4.000.000 K\u010d v renti\u00e9rsk\u00e9m m\u00f3du<\/caption>\n
Datum<\/th>\nV\u00fdnos<\/th>\nPortfolio<\/th>\n<\/tr>\n
1.10.2020<\/th>\n–<\/td>\n4.000.000 K\u010d<\/td>\n<\/tr>\n
1.10.2021<\/th>\n5,3 %<\/td>\n4.212.000 K\u010d<\/td>\n<\/tr>\n
1.10.2022<\/th>\n5,3 %<\/td>\n4.435.236 K\u010d<\/td>\n<\/tr>\n
1.10.2023<\/th>\n5,3 %<\/td>\n4.670.303 K\u010d<\/td>\n<\/tr>\n
1.10.2024<\/th>\n5,3 %<\/td>\n4.917.829 K\u010d<\/td>\n<\/tr>\n
1.10.2025<\/th>\n5,3 %<\/td>\n5.178.474 K\u010d<\/td>\n<\/tr>\n
1.10.2026<\/th>\n5,3 %<\/td>\n5.452.933 K\u010d<\/td>\n<\/tr>\n
1.10.2027<\/th>\n5,3 %<\/td>\n5.741.939 K\u010d<\/td>\n<\/tr>\n
1.10.2028<\/th>\n5,3 %<\/td>\n6.046.261 K\u010d<\/td>\n<\/tr>\n
1.10.2029<\/th>\n5,3 %<\/td>\n6.366.713 K\u010d<\/td>\n<\/tr>\n
1.10.2030<\/th>\n5,3 %<\/td>\n6.704.149 K\u010d<\/strong><\/td>\n<\/tr>\n
\u010cist\u00fd zisk k 1.10.2030<\/td>\n2.704.149 K\u010d<\/strong><\/td>\n<\/tr>\n<\/tr>\n<\/table>\n

Pro\u010d zrovna 5,3 %?<\/h3>\n

Nen\u00ed to n\u00e1hodn\u00e9 \u010d\u00edslo. Je to pr\u016fm\u011brn\u00fd v\u00fdnos 5,3 % po ode\u010dten\u00ed v\u0161ech n\u00e1klad\u016f, dan\u00ed a na\u0161\u00ed odm\u011bny, kter\u00fd jsme dos\u00e1hli od roku 2009 u renti\u00e9r\u016f. <\/p>\n

Na\u0161i klienti jsou p\u0159ev\u00e1\u017en\u011b majitel\u00e9 firem s portfoliem o velikosti des\u00edtek milion\u016f, ve kter\u00e9m maj\u00ed a\u017e 28 % portfolia v hotovosti. U budouc\u00edch renti\u00e9r\u016f, kte\u0159\u00ed hotovost zat\u00edm nepot\u0159ebuj\u00ed, c\u00edl\u00edme na v\u00fdnos 7-8 % p.a.<\/p>\n

V tabulce to vypad\u00e1 moc hezky, ale je pot\u0159eba \u0159\u00edct, \u017ee se nejedn\u00e1 o jist\u00e9 v\u00fdnosy, ani z\u00e1ru\u010den\u00e9 v\u00fdnosy, ale dlouhodob\u00fd pr\u016fm\u011br. N\u011bkter\u00fd rok jsou v\u00fdnosy vy\u0161\u0161\u00ed, n\u011bkter\u00fd ni\u017e\u0161\u00ed a n\u011bkter\u00fd jsou dokonce z\u00e1porn\u00e9. S pr\u016fm\u011brem v\u00fdrazn\u011b pom\u00e1h\u00e1, \u017ee si \u00fa\u010dtujeme p\u0159ev\u00e1\u017en\u011b odm\u011bnu ze zisku, ale to by bylo na samostatn\u00fd \u010dl\u00e1nek.<\/p>\n

Bylo vid\u011bt, \u017ee Honzu my\u0161lenka renty zaujala. Uv\u011bdomil si, \u017ee na to asi m\u011bl za\u010d\u00edt myslet. <\/p>\n

Uvid\u00edme, jestli bude m\u00edt chu\u0165 p\u0159em\u00fd\u0161let o n\u011bjak\u00e9 investi\u010dn\u00ed strategii, investi\u010dn\u00edm pl\u00e1nu a o investov\u00e1n\u00ed. A nebo ne. To u\u017e je na Honzovi.<\/p>\n

Radovan m\u00e1 zat\u00edm \u201ejen\u201c 2,5 milionu, ale v\u00ed, co chce<\/h2>\n

Druh\u00fd a opa\u010dn\u00fd p\u0159\u00edklad je Radovan, kter\u00e9mu je 47 let a m\u00e1 jasno v tom, jakou chce rentu a kdy. Nev\u00ed, je\u0161t\u011b \u00fapln\u011b p\u0159esn\u011b, jak k n\u00ed doj\u00edt. <\/p>\n

Dnes u\u017e m\u00e1 2,5 milionu a dal\u0161\u00edch 0,5 milionu odkl\u00e1d\u00e1 stranou ka\u017ed\u00fd rok. A v\u00ed, \u017ee za n\u011bjak\u00fdch 10 let chce rentu n\u011bjak\u00fdch 50 tis\u00edc m\u011bs\u00ed\u010dn\u011b.<\/p>\n

D\u00e1me to do tabulky a vych\u00e1z\u00ed, \u017ee v konzervativn\u00edm p\u0159\u00edpad\u011b d\u00e1 Radovan 2 t\u0159etiny a 1 t\u0159etinu mu vyd\u011blaj\u00ed jeho investice.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Investice 2.500.000 K\u010d a 500.000 K\u010d ro\u010dn\u011b pro vybudov\u00e1n\u00ed renty za 10 let<\/caption>\n
Datum<\/th>\nV\u00fdnos<\/th>\nInvestice<\/th>\nPortfolio<\/th>\n<\/tr>\n
1.10.2020<\/th>\n–<\/td>\n2.500.000 K\u010d<\/td>\n2.500.000 K\u010d<\/td>\n<\/tr>\n
1.10.2021<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n3.132.500 K\u010d<\/td>\n<\/tr>\n
1.10.2022<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n3.798.522 K\u010d<\/td>\n<\/tr>\n
1.10.2023<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n4.499.844 K\u010d<\/td>\n<\/tr>\n
1.10.2024<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n5.238.335 K\u010d<\/td>\n<\/tr>\n
1.10.2025<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n6.015.967 K\u010d<\/td>\n<\/tr>\n
1.10.2026<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n6.834.814 K\u010d<\/td>\n<\/tr>\n
1.10.2027<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n7.697.059 K\u010d<\/td>\n<\/tr>\n
1.10.2028<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n8.605.003 K\u010d<\/td>\n<\/tr>\n
1.10.2029<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n9.561.068 K\u010d<\/td>\n<\/tr>\n
1.10.2030<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n10.567.805 K\u010d<\/strong><\/td>\n<\/tr>\n
\u010cist\u00fd zisk k 1.10.2030<\/td>\n3.067.805 K\u010d<\/strong><\/td>\n<\/tr>\n<\/table>\n

Za 10 let tedy m\u016f\u017ee Radovan velmi konzervativn\u011b vybudovat portfolio 10 milion\u016f. A z 10 milion\u016f je mo\u017en\u00e9 \u010derpat nekone\u010dnou re\u00e1lnou rentu zhruba ve v\u00fd\u0161i 30.000 K\u010d. <\/p>\n

V p\u0159\u00edpad\u011b vy\u0161\u0161\u00edho v\u00fdnosu nap\u0159. 7 % by m\u011bl na konci 11 milion\u016f a 300 tis\u00edc korun. Je pot\u0159eba \u0159\u00edct, \u017ee je to pr\u016fm\u011brn\u00fd v\u00fdnos! To znamen\u00e1, \u017ee n\u011bkter\u00e9 roky bude v\u00fdnos vy\u0161\u0161\u00ed, ale n\u011bkter\u00e9 m\u016f\u017ee b\u00fdt tak\u00e9 z\u00e1porn\u00fd.<\/p>\n

Zad\u00e1n\u00ed ale zn\u011blo, \u017ee Radovan chce \u010derpat rentu 50.000 K\u010d. Dejme tomu, \u017ee nechce odkl\u00e1dat v\u00edc. Tak jedin\u00e1 cesta, jak se k takov\u00e9 rent\u011b dostat je investovat d\u00e9le. A tady se za\u010d\u00ednaj\u00ed d\u00edt zaj\u00edmav\u00e9 v\u011bci.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Investice 2.500.000 K\u010d a 500.000 K\u010d ro\u010dn\u011b pro vybudov\u00e1n\u00ed renty za 15 let<\/caption>\n
Datum<\/th>\nV\u00fdnos<\/th>\nInvestice<\/th>\nPortfolio<\/th>\n<\/tr>\n
1.10.2020<\/th>\n–<\/td>\n2.500.000 K\u010d<\/td>\n2.500.000 K\u010d<\/td>\n<\/tr>\n
1.10.2021<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n3.132.500 K\u010d<\/td>\n<\/tr>\n
1.10.2022<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n3.798.522 K\u010d<\/td>\n<\/tr>\n
1.10.2023<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n4.499.844 K\u010d<\/td>\n<\/tr>\n
1.10.2024<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n5.238.335 K\u010d<\/td>\n<\/tr>\n
1.10.2025<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n6.015.967 K\u010d<\/td>\n<\/tr>\n
1.10.2026<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n6.834.814 K\u010d<\/td>\n<\/tr>\n
1.10.2027<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n7.697.059 K\u010d<\/td>\n<\/tr>\n
1.10.2028<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n8.605.003 K\u010d<\/td>\n<\/tr>\n
1.10.2029<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n9.561.068 K\u010d<\/td>\n<\/tr>\n
1.10.2030<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n10.567.805 K\u010d<\/strong><\/td>\n<\/tr>\n
1.10.2031<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n11.627.898 K\u010d<\/td>\n<\/tr>\n
1.10.2032<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n12.744.177 K\u010d<\/td>\n<\/tr>\n
1.10.2033<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n13.919.618 K\u010d<\/td>\n<\/tr>\n
1.10.2034<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n15.157.358 K\u010d<\/td>\n<\/tr>\n
1.10.2035<\/th>\n5,3 %<\/td>\n500.000 K\u010d<\/td>\n16.460.698 K\u010d<\/strong><\/td>\n<\/tr>\n
\u010cist\u00fd zisk k 1.10.2035<\/td>\n6.460.698 K\u010d<\/strong><\/td>\n<\/tr>\n<\/table>\n

Prodlou\u017een\u00edm horizontu posko\u010dila velikost portfolia z 10 milion\u016f na 16 milion\u016f. Radovanovi v t\u00e9 dob\u011b bude 62 let a vedle b\u011b\u017en\u00e9ho d\u016fchodu (a\u0165 u\u017e bude jak\u00fdkoliv) m\u016f\u017ee pob\u00edrat nekone\u010dnou re\u00e1lnou rentu ve v\u00fd\u0161i 50.000 K\u010d. <\/p>\n

Kdy\u017e se Radovanovi bude da\u0159it a dos\u00e1hne pr\u016fm\u011brn\u00e9ho v\u00fdnosu 7 % ro\u010dn\u011b, tak sv\u00e9ho c\u00edle dos\u00e1hne o 2 roky rychleji. A v 60 bude slavit nejen sv\u00e9 kulatiny, ale tak\u00e9 svou finan\u010dn\u00ed nez\u00e1vislost.<\/p>\n

Nedelegujte investov\u00e1n\u00ed slep\u011b<\/h3>\n

Radovan m\u00e1 k investov\u00e1n\u00ed zdrav\u00fd p\u0159\u00edstup. Nechce sv\u00e9 pen\u00edze a investov\u00e1n\u00ed \u00fapln\u011b pustit z rukou. Chce v\u011bd\u011bt, co se s nimi d\u011bje. A za to jsem ho pochv\u00e1lil, proto\u017ee a\u0165 m\u00e1 \u010dlov\u011bk 4 miliony, 10 milion\u016f, nebo 50 nebo 100, tak by nikdy nem\u011bl pustit pen\u00edze ze sv\u00fdch rukou.<\/p>\n

A\u0165 m\u00e1te sv\u00e9ho poradce, priv\u00e1tn\u00edho bank\u00e9\u0159e, nebo kohokoliv dal\u0161\u00edho, tak v\u017edycky jsou to va\u0161e pen\u00edze. A vy k nim budete m\u00edt ten nejd\u016fle\u017eit\u011bj\u0161\u00ed vztah. Nikdy na to nezapome\u0148te. <\/p>\n

Nikdy nesklouzn\u011bte k tomu: \u201eTen se mi o to star\u00e1. A j\u00e1 vlastn\u011b ani nev\u00edm, co tam m\u00e1m.\u201c<\/em> To je velmi nebezpe\u010dn\u00fd p\u0159\u00edstup, kter\u00fd u\u017e spoustu lid\u00ed p\u0159ipravil o pen\u00edze.<\/p>\n

Radovan hned za\u010dal studovat n\u00e1\u0161 program o investov\u00e1n\u00ed InvestGuru<\/a>. N\u011bjak\u00e9 v\u011bci u\u017e m\u00e1 nastudovan\u00e9 z jin\u00fdch zdroj\u016f, tak\u017ee tady z\u00edsk\u00e1 ucelen\u00fd pohled a hlavn\u011b si vytvo\u0159\u00ed vlastn\u00ed investi\u010dn\u00ed pl\u00e1n.<\/p>\n

Tak uvid\u00edme, jestli ho to zaujme a za\u010dne ty v\u011bci d\u011blat s\u00e1m. Anebo za\u010dne budovat svoj\u00ed cestu k rent\u011b v n\u011bjak\u00e9 spolupr\u00e1ci s n\u00e1mi, t\u0159eba prost\u0159ednictv\u00edm na\u0161\u00ed digit\u00e1ln\u00ed poradensk\u00e9 platformy eFrank.cz<\/a>, kde c\u00edl\u00edme na dlouhodob\u00fd v\u00fdnos 7-8 % p.a.<\/p>\n

O vzd\u00e1len\u00e9 budoucnosti lid\u00e9 nep\u0159em\u00fd\u0161l\u00ed<\/h2>\n

To byly dva zcela odli\u0161n\u00e9 p\u0159\u00edstupy k p\u0159em\u00fd\u0161len\u00ed o finan\u010dn\u00ed budoucnosti. <\/p>\n

Honza o n\u00ed prvopl\u00e1nov\u011b nep\u0159em\u00fd\u0161lel. Cht\u011bl se te\u010f aktu\u00e1ln\u011b postarat o sv\u00e9 voln\u00e9 pen\u00edze. Ale kdy\u017e jsem toto t\u00e9ma nakousl, zaujalo ho. <\/p>\n

Na druh\u00e9 stran\u011b Radovan m\u00e1 od po\u010d\u00e1tku zcela jasno v tom, co chce. A jen pot\u0159ebuje naj\u00edt tu spr\u00e1vnou cestu.<\/p>\n

Nedok\u00e1\u017eu zcela p\u0159esn\u011b \u0159\u00edct, jestli lid\u00e9 o sv\u00e9 finan\u010dn\u00ed budoucnosti sp\u00ed\u0161 p\u0159em\u00fd\u0161lej\u00ed nebo nep\u0159em\u00fd\u0161lej\u00ed. <\/p>\n

Potk\u00e1v\u00e1m se te\u010f v\u00edce s lidmi, kte\u0159\u00ed o rent\u011b p\u0159em\u00fd\u0161lej\u00ed. Na lidech, kte\u0159\u00ed n\u00e1s oslovuj\u00ed nebo se hl\u00e1s\u00ed do na\u0161ich program\u016f, je vid\u011bt, \u017ee maj\u00ed z\u00e1jem n\u011bco poznat.<\/p>\n

Na druhou stranu v minulosti (2004-2008) jsem se setk\u00e1val se stovkami klient\u016f r\u016fzn\u00fdch bank, kde jsme d\u011blali r\u016fzn\u00e9 kou\u010dovac\u00ed projekty. Tehdy v\u011bt\u0161ina lid\u00ed o rent\u011b nep\u0159em\u00fd\u0161lela. Je to sice u\u017e p\u00e1r let, tak\u017ee nezn\u00e1m p\u0159esnou situaci te\u010f.<\/p>\n

Nen\u00ed to \u201ep\u0159irozen\u00e9\u201c<\/h3>\n

Ale nemysl\u00edm si, \u017ee by to bylo, proto\u017ee by ti lid\u00e9 o sv\u00e9 budoucnosti p\u0159em\u00fd\u0161let necht\u011bli. Jen to nen\u00ed t\u00e9ma, kter\u00e9 je b\u011b\u017en\u00e9. <\/p>\n

Honza o sv\u00e9 rent\u011b \u00fapln\u011b apriori nep\u0159em\u00fd\u0161lel. Ale kdy\u017e jsem to t\u00e9ma nadhodil, tak ne\u0159e\u0161il co, to je za t\u00e9ma. Ale \u0159\u00edkal si, \u017ee je to vlastn\u011b zaj\u00edmav\u00e9.<\/p>\n

A tak to m\u00e1 v\u011bt\u0161ina lid\u00ed. V\u011bt\u0161ina lid\u00ed to m\u00e1 n\u011bkde vzadu v hlav\u011b. N\u011bkde to tam je, ale nevypadne to \u00fapln\u011b na prvn\u00ed dobrou. <\/p>\n

\u010clov\u011bk m\u00e1 spoustu jin\u00fdch starost\u00ed v \u017eivot\u011b. \u00dasp\u011b\u0161n\u00ed podnikatel\u00e9 maj\u00ed svoje firmy, mus\u00ed \u0159e\u0161it hlavn\u011b svoje firmy. N\u011bkdo m\u00e1 zam\u011bstn\u00e1n\u00ed, m\u00e1me rodiny, kon\u00ed\u010dky atd.<\/p>\n

\u010cas u\u017e nevr\u00e1t\u00edte<\/h2>\n

Kdy\u017e m\u00e1te 4 miliony korun, tak u nejlep\u0161\u00edho ro\u010dn\u00edho term\u00ednovan\u00e9ho vkladu m\u00e1te sice pen\u00edze rychle k dispozici, ale za 10 let vyd\u011bl\u00e1te maxim\u00e1ln\u011b milion. P\u0159i investici do sv\u00e9 renty m\u016f\u017eete m\u00edt i 3x tolik.<\/p>\n

Finan\u010dn\u00ed nez\u00e1vislost, renta nen\u00ed t\u00e9ma, kter\u00e9 n\u00e1s napadne automaticky. Ale bohu\u017eel, kdy\u017e se na tyto v\u011bci nemysl\u00ed dostate\u010dn\u011b dop\u0159edu, tak to v\u011bt\u0161inou nem\u00e1 dobr\u00e9ho konce.<\/p>\n

Dostal jsem u\u017e stovky e-mail\u016f od lid\u00ed v d\u016fchodu, kte\u0159\u00ed mi p\u00ed\u0161ou: \u201eTo je \u0161koda, \u017ee jsem o tom nev\u011bd\u011bl d\u0159\u00edv.\u201c <\/p>\n

\u010cas \u010dlov\u011bk nevr\u00e1t\u00ed. P\u0159itom pr\u00e1v\u011b \u010das (a slo\u017een\u00e9 \u00faro\u010den\u00ed) d\u011bl\u00e1 s pen\u011bzi divy.<\/p>\n

Kolik \u010dasu m\u00e1te na sv\u00e9 c\u00edle Vy?<\/h3>\n

Video kurz: Investov\u00e1n\u00edm k finan\u010dn\u00ed nez\u00e1vislosti<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Objevte dva rozd\u00edln\u00e9 p\u0159\u00edstupy k milionov\u00e9 hotovosti.<\/p>\n","protected":false},"author":2,"featured_media":1248,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":[1],"tags":[],"yoast_head":"\nCo d\u011blat se 4 miliony, kdy\u017e prod\u00e1te nemovitost? - 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\/miliony-kdyz-prodate-nemovitost\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co d\u011blat se 4 miliony, kdy\u017e prod\u00e1te nemovitost?\" \/>\n<meta property=\"og:description\" content=\"Objevte dva rozd\u00edln\u00e9 p\u0159\u00edstupy k milionov\u00e9 hotovosti.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/\" \/>\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=\"2020-08-11T11:00:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-10-14T12:19:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/4-miliony-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=\"12 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/\"},\"author\":{\"name\":\"Vladim\u00edr Fichtner\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/e5835533bc569b1026f8e75c9e10af04\"},\"headline\":\"Co d\u011blat se 4 miliony, kdy\u017e prod\u00e1te nemovitost?\",\"datePublished\":\"2020-08-11T11:00:01+00:00\",\"dateModified\":\"2020-10-14T12:19:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/\"},\"wordCount\":2362,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/4-miliony-blog.jpg\",\"articleSection\":[\"\u010cl\u00e1nky\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/miliony-kdyz-prodate-nemovitost\/\",\"name\":\"Co d\u011blat se 4 miliony, kdy\u017e prod\u00e1te nemovitost? 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