{"id":1573,"date":"2020-12-03T13:00:00","date_gmt":"2020-12-03T12:00:00","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1573"},"modified":"2022-04-12T15:33:52","modified_gmt":"2022-04-12T13:33:52","slug":"privatni-banker-chybi","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/privatni-banker-chybi\/","title":{"rendered":"3 d\u016fle\u017eit\u00e9 v\u011bci, kter\u00e9 lidem u priv\u00e1tn\u00edho bank\u00e9\u0159e (v\u011bt\u0161inou) chyb\u00ed"},"content":{"rendered":"<div class=\"single-featured-video\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/02-OSqMnzac?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/div>\n<p>Pokud m\u00e1te pen\u00edze v priv\u00e1tn\u00ed bance, pot\u0159ebujete n\u011bjak\u00e9ho investi\u010dn\u00edho poradce?<\/p>\n<p><em>Asi \u017e\u00e1dn\u00fdho poradce nepot\u0159ebuju, ne? On mi ten bank\u00e9\u0159 rad\u00ed, co m\u00e1m d\u011blat s pen\u011bzi.<\/em><\/p>\n<p>Je to tak?<br \/>\nOpravdu v\u00e1m rad\u00ed?<br \/>\nOpravdu plat\u00edte bance za to, aby v\u00e1m nez\u00e1visle radila, co d\u011blat se sv\u00fdmi pen\u011bzi?<br \/>\nNebo plat\u00edte provize a poplatky za to, co si koup\u00edte?<\/p>\n<p>Hmm&#8230;<\/p>\n<p>Moje zku\u0161enost je takov\u00e1, \u017ee \u010dasto je to bohu\u017eel to druh\u00e9. \u017de se plat\u00ed provize a poplatky za to, co \u010dlov\u011bk koup\u00ed. Za to, co je zrovna v nab\u00eddce.<\/p>\n<p>A \u017ee tam chyb\u00ed tro\u0161ku v\u011bt\u0161\u00ed p\u0159esah. Tro\u0161ku del\u0161\u00ed p\u0159em\u00fd\u0161len\u00ed na del\u0161\u00ed horizonty. T\u0159eba na des\u00edtky let dop\u0159edu.<\/p>\n<p>Co budeme d\u011blat s na\u0161\u00edm majetkem, kam by m\u011bl sm\u011b\u0159ovat. K \u010demu vlastn\u011b je. K \u010demu se pou\u017eije. Jak do starosti o ten majetek zapoj\u00edme d\u011bti. A tak d\u00e1le, a tak d\u00e1le.<\/p>\n<p>Prost\u011b n\u011bco, co m\u00e1 nad t\u00edm majetkem tro\u0161ku nadhled. A nen\u00ed to jenom o prodeji produkt\u016f.<\/p>\n<h2>1. Kam s pen\u011bzi sm\u011b\u0159ujete<\/h2>\n<p>Zrovna ned\u00e1vno jsem se potkal s Martinem. Tomu moc vyhovovalo, \u017ee jsme si na na\u0161\u00ed prvn\u00ed, vlastn\u011b nez\u00e1visl\u00e9 a bezplatn\u00e9 sch\u016fzce, konzultaci, pov\u00eddali o tom, jak by \u017eivot mohl vypadat.<\/p>\n<p>Jak by mohla vypadat starost o pen\u00edze. K \u010demu by to vlastn\u011b mohlo dlouhodob\u011b sm\u011b\u0159ovat. To je n\u011bco, co mu u jeho priv\u00e1tn\u00edho bank\u00e9\u0159e chyb\u011blo.<\/p>\n<p>Martin vlastn\u011b m\u011bl v\u0161echny pen\u00edze v nemovitosti zhruba v hodnot\u011b 20 milion\u016f. \u010cin\u017eovn\u00ed d\u016fm. A z n\u011bj mu plynul p\u011bkn\u00fd p\u0159\u00edjem.<\/p>\n<p>A \u0159\u00edk\u00e1: \u201e<em>No ale t\u011bch dal\u0161\u00edch 20 milion\u016f co m\u00e1m, tak j\u00e1 bych pot\u0159eboval, aby to taky neslo n\u011bjak\u00fd p\u0159\u00edjem. <\/em><\/p>\n<p><em>M\u011b nezaj\u00edm\u00e1 tolik spekulace na to, \u017ee n\u011bco vyroste. Jako \u017ee si koup\u00edm akcii a ona za p\u016fl roku bude v\u00fd\u0161. <\/em><\/p>\n<p><em>M\u011b by sp\u00ed\u0161 zaj\u00edmalo, aby ten tok pen\u011bz, kter\u00fd ke mn\u011b sm\u011b\u0159uje, nebyl z\u00e1visl\u00fd jenom na t\u00e9 jedn\u00e9 nemovitosti. V jedn\u00e9 lokaci a jednom typu n\u00e1jemn\u00edk\u016f. Ale aby ten tok pen\u011bz byl<\/em><br \/>\n<em>je\u0161t\u011b z n\u011bjak\u00fdch dal\u0161\u00edch zdroj\u016f.<\/em>\u201c<\/p>\n<p>A kdy\u017e jsme si za\u010dali pov\u00eddat o dividendov\u00e9m portfoliu, o produktech, kter\u00e9 produkuj\u00ed pr\u016fb\u011b\u017en\u00fd v\u00fdnos, nejenom \u017ee spekuluj\u00ed na tu cenu, tak on \u0159\u00edkal:<\/p>\n<p>\u201e<em>Jo, to je n\u011bco, co m\u011b vlastn\u011b zaj\u00edm\u00e1. Pasivn\u00ed p\u0159\u00edjem z r\u016fzn\u00fdch typ\u016f investic. Ide\u00e1ln\u011b nem\u00edt ho jenom v korun\u011b, ale m\u00edt ho i v dal\u0161\u00edch m\u011bn\u00e1ch. Nejl\u00e9pe v dolaru, proto\u017ee to euro s tou korunou je hodn\u011b bl\u00edzko.<\/em>\u201c<\/p>\n<p>No a najednou jsme na\u0161li spole\u010dnou \u0159e\u010d. Proto\u017ee to je n\u011bco, co mu u jeho bank\u00e9\u0159e chyb\u011blo.<\/p>\n<h2>2. D\u011bti a sv\u011bt pen\u011bz<\/h2>\n<p>Druh\u00e1 v\u011bc, kter\u00e1 mu chyb\u011bla, se t\u00fdkala jeho 17let\u00e9ho syna a pen\u011bz.<\/p>\n<p>\u0158\u00edkal: \u201e<em>No a j\u00e1 bych vlastn\u011b pot\u0159eboval tro\u0161ku s n\u00edm pracovat. Ale zn\u00e1te to, Vladim\u00edre, v tomhle v\u011bku jsou rodi\u010de asi ten nejhor\u0161\u00ed u\u010ditel, kter\u00fd m\u016f\u017ee b\u00fdt.<\/em>\u201c<\/p>\n<p>A j\u00e1 jsem mu \u0159\u00edkal, \u017ee d\u011bl\u00e1me pro dosp\u011bl\u00e9 d\u011bti na\u0161ich klient\u016f v\u00edkendov\u00fd semin\u00e1\u0159.\u00a0 Na n\u011bm um\u00edme dostat d\u011bti hravou formou do sv\u011bta pen\u011bz, investic, hypot\u00e9k a poji\u0161t\u011bn\u00ed.\u00a0Tu formu miluj\u00ed nejenom dosp\u011bl\u00e9 d\u011bti, ale i dosp\u011bl\u00ed, kte\u0159\u00ed u\u017e maj\u00ed n\u011bjak\u00e9 roky a klidn\u011b i zku\u0161en\u011bj\u0161\u00ed investo\u0159i.<\/p>\n<p>M\u00e1me to vyzkou\u0161en\u00e9 nejenom tady v \u010cech\u00e1ch, ale t\u0159eba i ve Spojen\u00fdch st\u00e1tech americk\u00fdch. Funguje to na men\u0161\u00ed d\u011bti, na skoro dosp\u011bl\u00e9 d\u011bti. Na 25let\u00e9 i 30let\u00e9. Ale funguje to i na ty, kdo si cht\u011bj\u00ed v 50 letech n\u011bco vyzkou\u0161et.<\/p>\n<p>Z\u00e1bavnou formou poznat sv\u011bt, ke kter\u00e9mu nemaj\u00ed tak \u00fapln\u011b bl\u00edzko.<\/p>\n<p>T\u0159eba proto\u017ee jsou l\u00e9ka\u0159i. \u0158e\u0161\u00ed \u00fapln\u011b jin\u00e9 v\u011bci ne\u017e pen\u00edze.<\/p>\n<p>A t\u00edm t\u0159et\u00edm d\u016fvodem, kter\u00fd mo\u017en\u00e1 stoj\u00ed za to tro\u0161ku o n\u011bm pop\u0159em\u00fd\u0161let je\u2026<\/p>\n<h2>3. Nejen minul\u00fd v\u00fdnos, ale i budouc\u00ed rizika<\/h2>\n<p>\u010casto se nejl\u00e9pe prod\u00e1v\u00e1 to, co ukazuje dobr\u00fd v\u00fdnos.<\/p>\n<p>Za posledn\u00edch 12 m\u011bs\u00edc\u016f m\u011bly v \u010cesk\u00e9 republice skv\u011bl\u00fd v\u00fdnos nemovitostn\u00ed fondy. 5 % v\u00fdnosu, 6 % v\u00fdnosu. 7 % v\u00fdnosu.<\/p>\n<p>Tak v\u0161ichni ukazuj\u00ed: \u201e<em>Hele, kupte si nemovitostn\u00ed fondy.<\/em>\u201c<\/p>\n<p>No, ale ono je pot\u0159eba d\u00edvat se tro\u0161ku dop\u0159edu. D\u00edvat se na to, co p\u0159ijde. Ne co bylo. Ale co p\u0159ijde.<\/p>\n<p>A najednou, kdy\u017e se \u010dlov\u011bk pod\u00edv\u00e1 dop\u0159edu, tak je vid\u011bt \u017ee nemovitost pat\u0159\u00ed do portfolia. Ka\u017ed\u00fd ji tam m\u00e1me. Tak\u017ee v\u00edme, jak to funguje.<\/p>\n<p>N\u011bkdo si m\u00edsto toho koup\u00ed nemovitostn\u00ed fond. Proto\u017ee se o n\u011bkter\u00e9 v\u011bci nechce starat. Ale je pot\u0159eba, aby si uv\u011bdomil, \u017ee ten nemovitostn\u00ed fond m\u016f\u017ee j\u00edt nejen nahoru, ale taky m\u016f\u017eou p\u0159ij\u00edt \u010dasy, kdy jde dol\u016f.<\/p>\n<p>A o tom u\u017e se tolik nemluv\u00ed.<\/p>\n<p>Tak\u017ee v\u00fdnosy jsou ob\u010das tro\u0161ku v\u00edc slibovan\u00e9, ne\u017e by m\u011bly b\u00fdt. Bank\u00e9\u0159i se s lidmi bav\u00ed m\u00e9n\u011b o t\u00e9 druh\u00e9 str\u00e1nce mince. O poklesech.<\/p>\n<p>Ale to neznamen\u00e1, \u017ee jsou takov\u00ed v\u0161ichni.<\/p>\n<p>Jsou skv\u011bl\u00ed priv\u00e1tn\u00ed bank\u00e9\u0159i, kte\u0159\u00ed um\u00ed ob\u011b strany mince. Hezky to vyv\u00e1\u017eit. A m\u00edt takov\u00e9ho priv\u00e1tn\u00edho bank\u00e9\u0159e, to je radost.<\/p>\n<p>Bohu\u017eel hodn\u011b z nich kon\u010d\u00ed v prodejn\u00edm procesu, a ne v poradenstv\u00ed.<\/p>\n<h2>Priv\u00e1tn\u00ed bank\u00e9\u0159i jsou \u0161pi\u010dkov\u00ed prodejci<\/h2>\n<p>Jak se stane vlastn\u011b \u010dlov\u011bk priv\u00e1tn\u00edm bank\u00e9\u0159em?<\/p>\n<p>\u017de za\u010dnete v bance a jde v\u00e1m to, stane se z v\u00e1s osobn\u00ed bank\u00e9\u0159.<\/p>\n<p>Proto\u017ee jste dob\u0159e prod\u00e1vali. Ano.<\/p>\n<p>Kdy se z v\u00e1s stane z osobn\u00edho priv\u00e1tn\u00ed bank\u00e9\u0159?<\/p>\n<p>Proto\u017ee m\u00e1te nejlep\u0161\u00ed prodeje. A proto\u017ee kdy\u017e budete prod\u00e1vat lidem, co maj\u00ed des\u00edtky milion\u016f, tak t\u00e9 bance vyd\u011bl\u00e1te v\u00edc, ne\u017e kdy\u017e prod\u00e1v\u00e1te lidem, kte\u0159\u00ed maj\u00ed jenom jednotky milion\u016f. Tak\u017ee proto se z v\u00e1s stane priv\u00e1tn\u00ed bank\u00e9\u0159.<\/p>\n<p>Ne proto, \u017ee jste dobr\u00fd investi\u010dn\u00ed specialista. Ale proto\u017ee jste dobr\u00fd prodejce.<\/p>\n<p>A na to je pot\u0159eba si d\u00e1t pozor. Kdykoliv se bav\u00edte s k\u00fdmkoliv o pen\u011bz\u00edch. A\u0165 u\u017e v priv\u00e1tn\u00ed bance, nebo n\u011bkde jinde.<\/p>\n<h2>Prodat, ale nemus\u00ed znamenat poradit<\/h2>\n<p>Jestli to je \u010dlov\u011bk, kter\u00fd sp\u00ed\u0161 prod\u00e1v\u00e1, nebo sp\u00ed\u0161 rad\u00ed. A dob\u0159e to rozli\u0161it.<\/p>\n<p>Proto\u017ee kdy\u017e to nerozli\u0161\u00edte, m\u016f\u017eete m\u00edt pocit, \u017ee dost\u00e1v\u00e1te radu. A p\u0159itom v\u00e1m jenom n\u011bkdo n\u011bco prodal. A vlastn\u011b ho tolik netr\u00e1p\u00ed, jestli to funguje nebo ne. A to vy nechcete.<\/p>\n<p>Kdy\u017e m\u00e1te priv\u00e1tn\u00edho bank\u00e9\u0159e a nejste si \u00fapln\u011b jist\u00ed, jestli je vlastn\u011b poradce nebo prodejce, tak nen\u00ed zas takov\u00fd probl\u00e9m si o tom s n\u011bk\u00fdm popov\u00eddat.<\/p>\n<p>Uk\u00e1zat svoje \u0159e\u0161en\u00ed, kter\u00e9 m\u00e1te, n\u011bkomu dal\u0161\u00edmu. T\u0159eba p\u0159i n\u011bjak\u00e9m nez\u00e1vazn\u00e9m pov\u00edd\u00e1n\u00ed na ob\u011bd\u011b nebo p\u0159i n\u011bjak\u00e9 konzultaci. Spousta lid\u00ed v\u00e1m na to m\u016f\u017ee \u0159\u00edct sv\u016fj druh\u00fd n\u00e1zor.<\/p>\n<p>Uvid\u00edte sami, jestli m\u00e1te, jak mi te\u010f ned\u00e1vno \u0159\u00edkal jeden \u010dlov\u011bk: \u201e<em>To portfolio m\u00e1m vlastn\u011b tak jako, kdy\u017e pejsek s ko\u010di\u010dkou va\u0159ili dort. Prost\u011b co mi dali, co jsem kde potkal, tak jsem si v\u011bt\u0161inou n\u011bco vzal. Ale nem\u00e1 to \u017e\u00e1dnou hlavu a patu.<\/em>\u201d<\/p>\n<p>Anebo jestli to m\u00e1 n\u011bjakou strukturu. Sm\u011b\u0159uje to t\u0159eba jednoho dne k nekone\u010dn\u00e9mu vypl\u00e1cen\u00ed rozumn\u00e9 v\u00fd\u0161e renty, kter\u00e1 je pro v\u00e1s zaj\u00edmav\u00e1.<\/p>\n<p>Jestli je struktura finan\u010dn\u00edho nebo investi\u010dn\u00edho majetku je v souladu s n\u011bjak\u00fdmi pravidly diverzifikace a podobn\u011b, kter\u00e9 jsou tak\u00e9 d\u016fle\u017eit\u00e9.<\/p>\n<h2>\u010cast\u00e1 chyba v\u00a0\u010desk\u00fdch portfoli\u00edch<\/h2>\n<p>U\u017e \u010dasto pozn\u00e1te, \u017ee t\u0159eba n\u011bco nen\u00ed v po\u0159\u00e1dku, kdy\u017e m\u00e1te v\u0161echny pen\u00edze jenom v \u010desk\u00fdch korun\u00e1ch.<\/p>\n<p>Nebo m\u00e1te v\u0161echny investi\u010dn\u00ed produkty tzv. \u201ezaji\u0161t\u011bn\u00e9\u201c do \u010desk\u00e9 koruny.<\/p>\n<p>Co to znamen\u00e1?<\/p>\n<p>Kdy\u017e se \u010desk\u00e9 korun\u011b nebude da\u0159it a ta bude oslabovat, tak vy budete chudnout se zbytkem populace. Kde\u017eto vyd\u011bl\u00e1te na tom zaji\u0161t\u011bn\u00ed jenom, kdy\u017e koruna bude posilovat. Ale s tou druhou \u010d\u00e1st\u00ed se v\u016fbec nepo\u010d\u00edt\u00e1.<\/p>\n<p>To podle n\u00e1s v tu chv\u00edli nen\u00ed \u0159e\u0161en\u00ed, kter\u00e9 je na des\u00edtky let dop\u0159edu. To je mo\u017en\u00e1 \u0159e\u0161en\u00ed na p\u016fl roku.<\/p>\n<p>Ale co kdy\u017e se za p\u016fl roku situace zm\u011bn\u00ed?<\/p>\n<p>Co kdy\u017e \u010cesk\u00e1 republika nebude l\u00eddrem st\u0159edn\u00ed a v\u00fdchodn\u00ed Evropy. Ale naopak bude pozadu. To se m\u016f\u017ee velice jednodu\u0161e st\u00e1t.<\/p>\n<p>D\u00edky tomu, jak jsme exponovan\u00ed na export, a s t\u00edm, jak se zav\u00edr\u00e1 sv\u011bt, tak n\u00e1s to m\u016f\u017ee tro\u0161ku tr\u00e1pit.<\/p>\n<p>A v tu chv\u00edli t\u0159eba m\u00edt korunu zaji\u0161t\u011bnou, nebo investice zaji\u0161t\u011bn\u00e9 jenom do koruny a m\u00edt korunov\u00e9 portfolio m\u016f\u017ee znamenat, \u017ee vlastn\u011b v dolarov\u00e9m vyj\u00e1d\u0159en\u00ed budete chudnout. A na to je pot\u0159eba si d\u00e1t pozor.<\/p>\n<p>Kdyby \u010dlov\u011bk jednoho dne cht\u011bl zvednout kotvy nebo umo\u017enit d\u011btem, aby t\u0159eba \u017eili n\u011bkde jinde, tak by se to nemuselo \u00fapln\u011b pov\u00e9st.<\/p>\n<h2>Nez\u00e1vazn\u00e1 konzultace portfolia<\/h2>\n<p>Pokud byste cht\u011bli va\u0161e portfolio, kter\u00e9 m\u00e1te t\u0159eba z priv\u00e1tn\u00ed banky, nez\u00e1vazn\u011b a bezplatn\u011b s n\u011bk\u00fdm probrat, m\u016f\u017eeme si na to naj\u00edt spolu p\u016fl hodinku.<\/p>\n<p>Pod\u00edvat se, jestli to d\u00e1v\u00e1 smysl, nebo ned\u00e1v\u00e1. A jestli je tam v\u00edc poradenstv\u00ed nebo v\u00edc prodej.<\/p>\n<p>Sta\u010d\u00ed kliknout <a href=\"https:\/\/www.fichtner.cz\/strategie?utm_source=investguru&amp;utm_medium=post&amp;utm_campaign=vfi-20201203\">na tento odkaz a vyplnit formul\u00e1\u0159<\/a>. Pak si na chvilku kr\u00e1tce zavol\u00e1me. 5-10 minut.<\/p>\n<p>Jenom si ujasn\u00edme, jestli m\u016f\u017eeme nebo nem\u016f\u017eeme m\u00edt n\u011bjakou p\u0159idanou hodnotu pro v\u00e1s.<\/p>\n<p>A pak se m\u016f\u017eeme v r\u00e1mci nez\u00e1vazn\u00e9ho pov\u00edd\u00e1n\u00ed je\u0161t\u011b jednou t\u0159eba setkat i osobn\u011b.<\/p>\n<p>A popov\u00eddat, jestli to va\u0161e \u0159e\u0161en\u00ed, tak jak ho m\u00e1te, d\u00e1v\u00e1 nebo ned\u00e1v\u00e1 smysl i na ty dlouh\u00e9 \u010dasov\u00e9 horizonty, se kter\u00fdmi ka\u017ed\u00fd renti\u00e9r samoz\u0159ejm\u011b po\u010d\u00edt\u00e1.<\/p>\n<p style=\"text-align: center;\"><a class=\"button\" href=\"https:\/\/www.fichtner.cz\/strategie\/?utm_source=investguru&amp;utm_medium=blog&amp;utm_campaign=vfi-20201203\">Domluvte si 45minutovou konzultaci sv\u00e9ho portfolia<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Opravdu plat\u00edte bance za to, aby nez\u00e1visle radila, co d\u011blat se sv\u00fdmi pen\u011bzi?<\/p>\n","protected":false},"author":2,"featured_media":1584,"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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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