{"id":1446,"date":"2020-10-06T08:00:37","date_gmt":"2020-10-06T06:00:37","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1446"},"modified":"2022-03-31T11:25:18","modified_gmt":"2022-03-31T09:25:18","slug":"nezamenujte-spekulace-za-investovani","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/","title":{"rendered":"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed"},"content":{"rendered":"

Spousta lid\u00ed \u0159\u00edk\u00e1, \u017ee investuje do zlata.<\/p>\n

Mnoz\u00ed \u0159\u00edkaj\u00ed, \u017ee investuj\u00ed do kryptom\u011bn.<\/p>\n

Je to opravdu tak? Investuj\u00ed? Nebo spekuluj\u00ed?<\/span><\/p>\n

Probl\u00e9m je v tom, \u017ee si lid\u00e9 mysl\u00ed, \u017ee investuj\u00ed, ale p\u0159itom spekuluj\u00ed.<\/p>\n

Zrovna ned\u00e1vno jsem vid\u011bl pom\u011brn\u011b bou\u0159livou diskuzi na t\u00e9ma spekulac\u00ed.<\/p>\n

Jeden z \u00fa\u010dastn\u00edk\u016f \u0159\u00edkal: \u201eKdy\u017e o\u010dek\u00e1v\u00e1m, \u017ee zlato poroste, tak je to investov\u00e1n\u00ed. Investov\u00e1n\u00ed je definov\u00e1no tak, \u017ee dneska se vzd\u00e1m n\u011bjak\u00e9 hodnoty, zainvestuji pen\u00edze v o\u010dek\u00e1v\u00e1n\u00ed toho, \u017ee to v budoucnu poroste a j\u00e1 z\u00edsk\u00e1m v\u00edce.\u201c<\/i><\/p>\n

Rozd\u00edl mezi spekulov\u00e1n\u00edm a investov\u00e1n\u00edm<\/h2>\n

Spekulov\u00e1n\u00ed je spol\u00e9h\u00e1n\u00ed na to, \u017ee nastane sc\u00e9n\u00e1\u0159<\/b>, kter\u00fd o\u010dek\u00e1v\u00e1te. Nej\u010dast\u011bji, \u017ee vyroste cena toho, co si te\u010f kupujete. Takov\u00fd \u201efinan\u010dn\u00ed hazard\u201d.<\/p>\n

Investov\u00e1n\u00ed je o tom, \u017ee pen\u00edze nech\u00e1v\u00e1te pracovat<\/b>.<\/p>\n

Ten rozd\u00edl je v tom, \u017ee u spekulace nech\u00e1m pen\u00edze le\u017eet a \u010dek\u00e1m, co se bude d\u00edt. U investice mi pr\u016fb\u011b\u017en\u011b pen\u00edze p\u0159in\u00e1\u0161ej\u00ed v\u00fdnos.<\/p>\n

N\u00e1kup akci\u00ed, proto\u017ee jsou levn\u00e9, a o\u010dek\u00e1v\u00e1n\u00ed, \u017ee vyrostou, nen\u00ed investice, ale spekulace. Spekuluju na to, \u017ee nastane r\u016fst akci\u00ed.<\/p>\n

Nen\u00ed to o tom, do \u010deho d\u00e1v\u00e1te pen\u00edze. Zlato, kryptom\u011bny, komodity. I na akci\u00edch se d\u00e1 spekulovat.<\/p>\n

Na druhou stranu si koup\u00edte akcie a o\u010dek\u00e1v\u00e1te, \u017ee firmy budou dlouhodob\u011b generovat zisk. Nez\u00e1le\u017e\u00ed na tom, jestli rostou nebo klesaj\u00ed, ale na tom, jestli generuj\u00ed zisk. To je pr\u00e1v\u011b investice.<\/p>\n

Investor nekupuje kv\u016fli zm\u011bn\u011b ceny. D\u011bl\u00e1 to s p\u0159edpokladem, \u017ee firma vytvo\u0159\u00ed n\u011bjakou hodnotu. Kupuje byznys, kter\u00fd p\u0159inese pen\u00edze.<\/p>\n

Dlouhodob\u00e9 dr\u017een\u00ed dluhopis\u016f je tak\u00e9 investov\u00e1n\u00ed. I kdy\u017e v\u00fdnos m\u016f\u017ee b\u00fdt mizern\u00fd, je to o tom, \u017ee n\u011bkomu p\u016fj\u010d\u00edte pen\u00edze a m\u00e1te za n\u011b \u00farok.<\/p>\n

Spekulov\u00e1n\u00ed je hra s nulov\u00fdm sou\u010dtem<\/h2>\n

Dal\u0161\u00ed d\u016fle\u017eit\u00fd rozd\u00edl mezi spekulac\u00ed a investov\u00e1n\u00edm spo\u010d\u00edv\u00e1 v tom, \u017ee spekulov\u00e1n\u00ed je hra s nulov\u00fdm sou\u010dtem. Jeden vyd\u011bl\u00e1 a druh\u00fd trat\u00ed.<\/p>\n

Klasick\u00e9 obchodov\u00e1n\u00ed na burze, trading, je o tom, \u017ee kdy\u017e n\u011bkdo vyd\u011bl\u00e1, tak n\u011bkde jinde ty pen\u00edze musely zmizet.<\/p>\n

V investov\u00e1n\u00ed jde o dlouhodob\u00e9 vytv\u00e1\u0159en\u00ed hodnot. To je hra s nenulov\u00fdm sou\u010dtem.<\/p>\n

Investujete, vytv\u00e1\u0159ej\u00ed se hodnoty, n\u011bco, co tu d\u0159\u00edv nebylo, a to je celkov\u011b pozitivn\u00ed. Nen\u00ed to o tom, \u017ee by pen\u00edze musely n\u011bkde n\u011bkomu zmizet.<\/p>\n

Ve firm\u011b p\u0159i podnik\u00e1n\u00ed se vytvo\u0159ila hodnota, o kterou m\u00e1 n\u011bkdo z\u00e1jem. A ten za ni zaplatil v\u00edce, ne\u017e za kolik ji firma dok\u00e1zala vytvo\u0159it.<\/p>\n

Mo\u017en\u00e1 byste mohli nam\u00edtnout, \u017ee r\u016fst, n\u00e1\u0161 zisk, zaplat\u00ed z\u00e1kazn\u00edk. Ano, je to pravda. P\u0159i investici do firem se pod\u00edl\u00edme na tom, co ta firma prod\u00e1v\u00e1. My jako z\u00e1kazn\u00edci si ale r\u00e1di zaplat\u00edme za n\u011bco, co chceme a co n\u00e1\u0161 \u017eivot d\u011bl\u00e1 bohat\u0161\u00ed.<\/p>\n

A co nemovitosti?<\/h2>\n

Dostali jsme e-mail s dotazem: Koupil jsem nemovitost za 6 milion\u016f v dra\u017eb\u011b. M\u00e1m pen\u00edze blokovan\u00e9, ale nic se s nimi ned\u011bje. Lid\u00e9 se necht\u011bj\u00ed st\u011bhovat.\u00a0 Jak dlouho to m\u016f\u017ee trvat?<\/i><\/p>\n

Pisatel asi o\u010dek\u00e1val, \u017ee levn\u011b koup\u00ed a pak rychle prod\u00e1 nebo pronajme. Netu\u0161il, \u017ee dra\u017eby v sob\u011b maj\u00ed i \u00faskal\u00ed. A za n\u011bkolik let, ne\u017e se to vy\u0159e\u0161\u00ed, m\u016f\u017ee b\u00fdt situace na trhu jin\u00e1.<\/p>\n

Nemovitost si typicky kupujeme s t\u00edm, \u017ee ji budeme dr\u017eet dlouhou dobu. A po tu dobu ji budeme pronaj\u00edmat. To je p\u0159\u00edklad investov\u00e1n\u00ed.<\/p>\n

M\u016f\u017eu klidn\u011b uva\u017eovat o tom, \u017ee ji n\u011bkdy v budoucnu prod\u00e1m. Ale je to o tom, \u017ee po celou dobu ji budu pronaj\u00edmat. A nav\u00edc ji t\u0159eba je\u0161t\u011b zrekonstruuji, abych zv\u00fd\u0161il jej\u00ed cenu.<\/p>\n

I s nemovitostmi se d\u00e1 spekulovat<\/h2>\n

Naopak, kdy\u017e chci nemovitost koupit a rychle prodat, proto\u017ee se domn\u00edv\u00e1m, \u017ee te\u010f ji koup\u00edm za ni\u017e\u0161\u00ed cenu a za chv\u00edli ji prod\u00e1m za vy\u0161\u0161\u00ed, tak je to spekulov\u00e1n\u00ed. S \u201ehodn\u011b dobr\u00fdmi\u201c informacemi je to takov\u00e9 \u201ehodn\u011b jist\u00e9\u201c spekulov\u00e1n\u00ed.<\/p>\n

Nemovitosti jsou specifick\u00e9 v tom, \u017ee kdo se v nich dob\u0159e vyzn\u00e1, tak m\u016f\u017ee skute\u010dn\u011b s jejich spekulacemi vyd\u011blat pen\u00edze. Pohybuje se na trhu, kde to ti dal\u0161\u00ed \u00fa\u010dastn\u00edci tolik neznaj\u00ed. Nebo prost\u011b vyu\u017eije toho, \u017ee opravdu n\u011bkdo pot\u0159ebuje rychle prodat.<\/p>\n

Ale u zlata, kryptom\u011bn, nemovitost\u00ed i akci\u00ed plat\u00ed, \u017ee kdy\u017e n\u011bkdo nezku\u0161en\u00fd spekuluje a mysl\u00ed si, \u017ee jsou to rychl\u00fd prachy, tak d\u0159\u00edve \u010di pozd\u011bji naraz\u00ed. Takov\u00ed lid\u00e9 jsou potom v\u011bt\u0161inou roz\u010darov\u00e1ni.<\/p>\n

P\u0159i spekulov\u00e1n\u00ed to chce opravdu dob\u0159e v\u011bd\u011bt, co d\u011bl\u00e1m a zn\u00e1t rizika toho, \u017ee se to nemus\u00ed pov\u00e9st.<\/p>\n

Ten, kdo nev\u00ed, co d\u011bl\u00e1 a podce\u0148uje situaci, tak v\u011bt\u0161inou na spekulac\u00edch p\u0159\u00edli\u0161 nevyd\u011bl\u00e1. Sp\u00ed\u0161 pom\u00e1h\u00e1 ostatn\u00edm spekulant\u016fm zbohatnout. Mluvil jsem o tom ve videu Spekulace jsou jatka<\/a>.<\/p>\n

Spekulace na zlato a kryptom\u011bny<\/h2>\n

Zlato je komodita. Kryptom\u011bna je m\u011bna, podobn\u011b jako stovka v pen\u011b\u017eence. A tud\u00ed\u017e u nich neplat\u00ed to, \u017ee by samy o sob\u011b generovaly n\u011bjak\u00fd p\u0159\u00edjem.<\/p>\n

Proto u zlata a kryptom\u011bn nem\u016f\u017eeme mluvit o investici. Je to \u010dist\u011b spekulace.<\/p>\n

\u201eInvestice do zlata\u201c by to byla, pokud bych si koupil zlat\u00fd d\u016fl, kter\u00fd t\u011b\u017e\u00ed zlato. Nebo, kdy\u017e bych to zlato prod\u00e1val. Vyd\u011bl\u00e1val na zlat\u011b t\u00edm, \u017ee bych ho prod\u00e1val.<\/p>\n

To sam\u00e9 je s Bitcoiny. Kdy\u017e je n\u011bkdo t\u011b\u017e\u00ed, tak je to investice. Investoval do n\u011bjak\u00e9ho vybaven\u00ed, a to mu generuje v\u00fdnos.<\/p>\n

Ten, kdo si koup\u00ed bitcoiny a o\u010dek\u00e1v\u00e1, \u017ee vzroste jejich cena, tak je prost\u011b spekulant. Jeho spekulace m\u016f\u017ee b\u00fdt zalo\u017een\u00e1 na n\u011bjak\u00fdch rozumn\u00fdch p\u0159edpokladech, ale st\u00e1le je to jen spekulace.<\/p>\n

Ale to neznamen\u00e1, \u017ee na spekulaci nejde vyd\u011blat. Vyd\u011bl\u00e1 ur\u010dit\u011b ten, kdo dob\u0159e tref\u00ed n\u011bjak\u00e9 dno a n\u011bjak\u00fd vrchol. Takov\u00fd \u010dlov\u011bk m\u016f\u017ee vyd\u011bl\u00e1vat spekulov\u00e1n\u00edm n\u011bkdy i v\u00edc ne\u017e investov\u00e1n\u00edm.<\/p>\n

Jen je dobr\u00e9 si uv\u011bdomit, k\u00fdm jste a k\u00fdm chcete b\u00fdt. Spekulantem nebo investorem?<\/a><\/p>\n

\u010casov\u00fd horizont<\/h2>\n

Investov\u00e1n\u00ed je v\u00edce o trp\u011blivosti, o del\u0161\u00edm horizontu. Typick\u00fdm p\u0159edstavitelem investov\u00e1n\u00ed je 90let\u00fd Warren Buffett<\/a>, kter\u00fd \u0159\u00edk\u00e1, \u017ee dobrou investici je mo\u017en\u00e9 dr\u017eet do nekone\u010dna.<\/p>\n

Spekulace jsou sp\u00ed\u0161 o krat\u0161\u00edm horizontu. A o tom m\u00edt trochu \u0161t\u011bst\u00ed. Nebo m\u00edt v\u00edce informac\u00ed, ne\u017e maj\u00ed ostatn\u00ed. Lid\u00e9, kte\u0159\u00ed maj\u00ed v\u00edce informac\u00ed ne\u017e ostatn\u00ed \u00fa\u010dastn\u00edci na trhu, mohou vyd\u011bl\u00e1vat sn\u00e1z.<\/p>\n

V knize Inteligentn\u00ed investor Benjamin Graham p\u00ed\u0161e: Spekulujeme, p\u0159i\u010dem\u017e se domn\u00edv\u00e1me, \u017ee investujeme<\/em>.<\/p>\n

To podstatn\u00e9 je, jestli mi jde jen o to, \u017ee na n\u011b\u010dem vyd\u011bl\u00e1m jenom proto, \u017ee to v\u0161ichni ostatn\u00ed budou cht\u00edt v\u00edc. To je spekulace. Nebo jestli za t\u00edm o\u010dek\u00e1v\u00e1m vytv\u00e1\u0159en\u00ed hodnot. A to je investice.<\/p>\n

Je dlouhodob\u00e9 investov\u00e1n\u00ed spekulac\u00ed?<\/h2>\n

Hodn\u011b lid\u00ed, kdy\u017e sly\u0161\u00ed o investov\u00e1n\u00ed do akci\u00ed, tak si to hned spoj\u00ed se spekulac\u00ed. Znaj\u00ed filmy Wall Street, Vlk z Wall Street a dal\u0161\u00ed.<\/p>\n

P\u0159i dlouhodob\u00e9m investov\u00e1n\u00ed je jeden skute\u010dn\u011b trochu spekulativn\u00ed prvek, se kter\u00fdm je pot\u0159eba po\u010d\u00edtat.<\/p>\n

A to, je v n\u011bm spekulace na to, \u017ee kapitalismus neskon\u010d\u00ed.<\/p>\n

J\u00e1 na to v\u017edycky \u0159\u00edk\u00e1m: „Pokud skon\u010d\u00ed kapitalismus, tak mysl\u00edm, \u017ee budeme m\u00edt \u00fapln\u011b jin\u00e9 starosti, ne\u017e \u0159e\u0161it kde a jak m\u00e1me zainvestov\u00e1no. Budeme \u0159e\u0161it bezpe\u010d\u00ed a p\u0159e\u017eit\u00ed sv\u00e9 a sv\u00e9 rodiny. Kryptom\u011bny v takov\u00e9m sc\u00e9n\u00e1\u0159i p\u0159estanou existovat. Zlato nefungovalo ani za sv\u011btov\u00fdch v\u00e1lek, ani p\u0159i konfliktu v Jugosl\u00e1vii.“ <\/em><\/p>\n

Tak\u017ee konec kapitalismu je sp\u00ed\u0161 takov\u00e9 filozofick\u00e9 cvi\u010den\u00ed, ne\u017e n\u011bjak\u00fd re\u00e1ln\u00fd argument.<\/p>\n

Ano, spekulujeme na to, \u017ee kapitalismu neskon\u010d\u00ed. Nikoliv na to, jestli n\u011bco vyroste \u010di ne. Investujeme do firem, u kter\u00fdch o\u010dek\u00e1v\u00e1me, \u017ee budou generovat zisky. To je investov\u00e1n\u00ed.<\/p>\n

Ani investov\u00e1n\u00ed nen\u00ed bez rizika<\/h2>\n

Kdy\u017e se \u0159ekne spekulace, tak si ka\u017ed\u00fd dob\u0159e dok\u00e1\u017ee p\u0159edstavit riziko. Proto to r\u016fzn\u00ed prodejci maskuj\u00ed za investov\u00e1n\u00ed, kter\u00e9 je vn\u00edm\u00e1no trochu pozitivn\u011bji.<\/p>\n

Na druhou stranu investov\u00e1n\u00ed neznamen\u00e1, \u017ee m\u00e1m zaru\u010den\u00fd \u00fasp\u011bch.<\/p>\n

M\u016f\u017eu investovat do n\u011bjak\u00e9ho byznysu, kter\u00fd je dob\u0159e postaven\u00fd. M\u00e1 to v\u0161echny prvky investice, ale ten byznys stejn\u011b m\u016f\u017ee zkrachovat.<\/p>\n

Investov\u00e1n\u00ed nep\u0159edstavuje z\u00e1ruka, \u017ee to vyjde.\u00a0Proto je vhodn\u00e9 p\u0159i investov\u00e1n\u00ed dob\u0159e diverzifikovat. Rozlo\u017eit sv\u00e9 riziko. Ned\u00e1vat v\u0161echno do jedn\u00e9 firmy, do jedn\u00e9 akcie nebo do n\u011bkolika m\u00e1lo akci\u00ed.<\/p>\n

Ochrana bohatstv\u00ed<\/h2>\n

My k na\u0161im portfoli\u00edm a portfoli\u00edm na\u0161ich klient\u016f p\u0159istupujeme strategi\u00ed Wealth Protection \u2013 ochrana bohatstv\u00ed.<\/p>\n

Jeden z n\u011bkolika aspekt\u016f Wealth Protection je to, \u017ee kupujeme indexov\u00e9 produkty, kter\u00e9 obsahuj\u00ed stovky firem. A vlastn\u011b se vyv\u00edjej\u00ed podobn\u011b jako cel\u00e1 ekonomika. Tak\u017ee investujeme do cel\u00e9 ekonomick\u00e9 situace, nejen do n\u011bkolika firem.<\/p>\n

Proto\u017ee pokud investujete jen do jedn\u00e9 firmy, tak ta m\u016f\u017ee zkrachovat. A vy o sv\u00e9 pen\u00edze m\u016f\u017eete p\u0159ij\u00edt. A z toho d\u016fvodu je pot\u0159eba diverzifikovat a rozumn\u011b rozd\u011blit pen\u00edze mezi akcie, dluhopisy a hotovost, aby v\u00e1m portfolio p\u0159in\u00e1\u0161elo to, co pot\u0159ebujeme.<\/p>\n

A kdy\u017e m\u00e1te des\u00edtky milion\u016f, tak si t\u0159eba 10 % portfolia nech\u00e1te na spekulov\u00e1n\u00ed. Kdy\u017e o n\u011b p\u0159ijdete, nic hrozn\u00e9ho se nestane. Kdy\u017e je zdvoj-, ztrojn\u00e1sob\u00edte, tak to m\u016f\u017ee st\u00e1t za to. Zat\u00edm se to moc lidem nepoda\u0159ilo, ale to neznamen\u00e1, \u017ee o tom lid\u00e9 nep\u0159est\u00e1vaj\u00ed sn\u00edt.<\/p>\n","protected":false},"excerpt":{"rendered":"

Probl\u00e9m je v tom, \u017ee si lid\u00e9 mysl\u00ed, \u017ee investuj\u00ed, ale p\u0159itom spekuluj\u00ed.<\/p>\n","protected":false},"author":5,"featured_media":1451,"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":[14],"yoast_head":"\nNezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed - 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.fichtner.cz\/nezamenujte-spekulace-za-investovani\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed\" \/>\n<meta property=\"og:description\" content=\"Jak\u00fd je vlastn\u011b rozd\u00edl mezi spekulov\u00e1n\u00edm a investov\u00e1n\u00edm?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/\" \/>\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=\"2020-10-06T06:00:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-31T09:25:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-social.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"523\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Tom\u00e1\u0161 Tyl\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tom\u00e1\u0161 Tyl\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/\"},\"author\":{\"name\":\"Tom\u00e1\u0161 Tyl\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/4d8985f26302181f017af803fa3328d4\"},\"headline\":\"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed\",\"datePublished\":\"2020-10-06T06:00:37+00:00\",\"dateModified\":\"2022-03-31T09:25:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/\"},\"wordCount\":1746,\"commentCount\":5,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg\",\"keywords\":[\"spekulace\"],\"articleSection\":[\"\u010cl\u00e1nky\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/\",\"url\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/\",\"name\":\"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed - InvestGuru.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg\",\"datePublished\":\"2020-10-06T06:00:37+00:00\",\"dateModified\":\"2022-03-31T09:25:18+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage\",\"url\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg\",\"contentUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg\",\"width\":880,\"height\":360},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\/\/www.investguru.cz\/cs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#website\",\"url\":\"https:\/\/www.investguru.cz\/cs\/\",\"name\":\"InvestGuru.cz\",\"description\":\"Vzd\u011bl\u00e1n\u00ed pro budouc\u00ed renti\u00e9r\u016f na cest\u011b k finan\u010dn\u00ed svobod\u011b\",\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.investguru.cz\/cs\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\",\"name\":\"InvestGuru\",\"url\":\"https:\/\/www.investguru.cz\/cs\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png\",\"contentUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png\",\"width\":600,\"height\":160,\"caption\":\"InvestGuru\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/\",\"https:\/\/www.linkedin.com\/company\/fichtner-s-r-o-\/\",\"https:\/\/www.youtube.com\/channel\/UCPT7GD3SrdsxmnD-sPuV3WA\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/4d8985f26302181f017af803fa3328d4\",\"name\":\"Tom\u00e1\u0161 Tyl\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/10\/tomas-tyl-150x150.jpg\",\"contentUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/10\/tomas-tyl-150x150.jpg\",\"caption\":\"Tom\u00e1\u0161 Tyl\"},\"description\":\"\u0160\u00e9f analytick\u00e9ho odd\u011blen\u00ed ve Fichtner a.s. Tom\u00e1\u0161 je autorem knihy \\\"10 zp\u016fsob\u016f jak se (ne)nechat p\u0159ipravit o pen\u00edze\\\", spoluautorem knihy \u201eOsobn\u00ed finance\u201d a p\u0159ipravil stovky metodik, anal\u00fdz a pl\u00e1n\u016f.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/tomas-tyl\/\"],\"url\":\"https:\/\/www.investguru.cz\/cs\/author\/tomastyl\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed - InvestGuru.cz","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/","og_locale":"cs_CZ","og_type":"article","og_title":"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed","og_description":"Jak\u00fd je vlastn\u011b rozd\u00edl mezi spekulov\u00e1n\u00edm a investov\u00e1n\u00edm?","og_url":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/","og_site_name":"InvestGuru.cz","article_publisher":"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/","article_published_time":"2020-10-06T06:00:37+00:00","article_modified_time":"2022-03-31T09:25:18+00:00","og_image":[{"width":1000,"height":523,"url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-social.png","type":"image\/png"}],"author":"Tom\u00e1\u0161 Tyl","twitter_card":"summary_large_image","twitter_misc":{"Napsal(a)":"Tom\u00e1\u0161 Tyl","Odhadovan\u00e1 doba \u010dten\u00ed":"9 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#article","isPartOf":{"@id":"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/"},"author":{"name":"Tom\u00e1\u0161 Tyl","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/4d8985f26302181f017af803fa3328d4"},"headline":"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed","datePublished":"2020-10-06T06:00:37+00:00","dateModified":"2022-03-31T09:25:18+00:00","mainEntityOfPage":{"@id":"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/"},"wordCount":1746,"commentCount":5,"publisher":{"@id":"https:\/\/www.investguru.cz\/cs\/#organization"},"image":{"@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg","keywords":["spekulace"],"articleSection":["\u010cl\u00e1nky"],"inLanguage":"cs","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.investguru.cz\/cs\/nezamenujte-spekulace-za-investovani\/","url":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/","name":"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed - InvestGuru.cz","isPartOf":{"@id":"https:\/\/www.investguru.cz\/cs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage"},"image":{"@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg","datePublished":"2020-10-06T06:00:37+00:00","dateModified":"2022-03-31T09:25:18+00:00","breadcrumb":{"@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#primaryimage","url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg","contentUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2020\/10\/nezamenujte-spekulace-za-investovani-blog.jpg","width":880,"height":360},{"@type":"BreadcrumbList","@id":"https:\/\/www.fichtner.cz\/nezamenujte-spekulace-za-investovani\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.investguru.cz\/cs\/"},{"@type":"ListItem","position":2,"name":"Nezam\u011b\u0148ujte spekulace za investov\u00e1n\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/www.investguru.cz\/cs\/#website","url":"https:\/\/www.investguru.cz\/cs\/","name":"InvestGuru.cz","description":"Vzd\u011bl\u00e1n\u00ed pro budouc\u00ed renti\u00e9r\u016f na cest\u011b k finan\u010dn\u00ed svobod\u011b","publisher":{"@id":"https:\/\/www.investguru.cz\/cs\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.investguru.cz\/cs\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.investguru.cz\/cs\/#organization","name":"InvestGuru","url":"https:\/\/www.investguru.cz\/cs\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/","url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png","contentUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/ig.png","width":600,"height":160,"caption":"InvestGuru"},"image":{"@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/","https:\/\/www.linkedin.com\/company\/fichtner-s-r-o-\/","https:\/\/www.youtube.com\/channel\/UCPT7GD3SrdsxmnD-sPuV3WA"]},{"@type":"Person","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/4d8985f26302181f017af803fa3328d4","name":"Tom\u00e1\u0161 Tyl","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/image\/","url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/10\/tomas-tyl-150x150.jpg","contentUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/10\/tomas-tyl-150x150.jpg","caption":"Tom\u00e1\u0161 Tyl"},"description":"\u0160\u00e9f analytick\u00e9ho odd\u011blen\u00ed ve Fichtner a.s. Tom\u00e1\u0161 je autorem knihy \"10 zp\u016fsob\u016f jak se (ne)nechat p\u0159ipravit o pen\u00edze\", spoluautorem knihy \u201eOsobn\u00ed finance\u201d a p\u0159ipravil stovky metodik, anal\u00fdz a pl\u00e1n\u016f.","sameAs":["https:\/\/www.linkedin.com\/in\/tomas-tyl\/"],"url":"https:\/\/www.investguru.cz\/cs\/author\/tomastyl\/"}]}},"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1446"}],"collection":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=1446"}],"version-history":[{"count":11,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1446\/revisions"}],"predecessor-version":[{"id":1459,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1446\/revisions\/1459"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/1451"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=1446"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=1446"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=1446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}