{"id":1705,"date":"2021-02-11T12:00:36","date_gmt":"2021-02-11T11:00:36","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1705"},"modified":"2021-02-11T12:17:07","modified_gmt":"2021-02-11T11:17:07","slug":"3-pohledy-na-investovani-a-penize","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/","title":{"rendered":"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)"},"content":{"rendered":"<div class=\"single-featured-video\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/x5z_OZAriXs?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>P\u0159ed V\u00e1noci jsme se ptali na\u0161ich odb\u011bratel\u016f, co si mysl\u00ed o investic\u00edch a jak vid\u00ed jejich v\u00fdhled. <a href=\"https:\/\/www.investguru.cz\/cs\/jak-vidite-2021\/\">Tento pr\u016fzkum<\/a> jsme d\u011blali u\u017e pot\u0159et\u00ed a letos jsme dostali 310 odpov\u011bd\u00ed.<\/p>\n<p>N\u011bkter\u00e9 odpov\u011bdi byly standardn\u00ed a nebylo tam nic, co by n\u00e1s \u00fapln\u011b p\u0159ekvapilo.<\/p>\n<p>Ale byly tam n\u011bkter\u00e9, kter\u00e9 byly velmi inspiruj\u00edc\u00ed a ty jsme vybrali a jejich autory odm\u011bn\u00edme.<\/p>\n<h2>Kr\u00e1tk\u00e9 ohl\u00e9dnut\u00ed<\/h2>\n<p>Celkov\u011b jsme si z toho dotazn\u00edku odnesli to, \u017ee lid\u00e9 st\u00e1le \u0159e\u0161\u00ed hodn\u011b investi\u010dn\u00ed produkty a ne tu strategii a takov\u00e9 to filozofi\u010dt\u011bj\u0161\u00ed p\u0159em\u00fd\u0161len\u00ed o investic\u00edch.<\/p>\n<p>Tak\u00e9 jsme se potkali s jedn\u00edm fenom\u00e9nem, kter\u00fd se objevuje \u010d\u00edm d\u00e1l \u010dast\u011bji. To je takov\u00fd strach z toho, \u017ee mi n\u011bco ujelo, \u017ee mi uj\u00ed\u017ed\u00ed vlak. V angli\u010dtin\u011b se ten fenom\u00e9n jmenuje Fear of Missing Out. FOMO se tomu \u0159\u00edk\u00e1.<\/p>\n<p>To byly odpov\u011bdi typu: \u201e<em>No, m\u011bl jsem v tom b\u0159eznu, kdy\u017e to kleslo, v\u00edce investovat.<\/em>\u201d<\/p>\n<p>No, j\u00e1 m\u00e1m velkou radost, \u017ee my jsme cel\u00fd rok 2020, stejn\u011b jako v p\u0159edchoz\u00edch letech, jeli podle strategie Wealth Protection. Nakupovali jsme p\u0159i poklesech v \u00fanoru a v b\u0159eznu 2020, a proto nemus\u00edme m\u00edt strach z toho, \u017ee n\u00e1m n\u011bco uteklo.<\/p>\n<p>Samoz\u0159ejm\u011b v\u017edycky se najde jednotliv\u00e1 investice, kter\u00e1 vyroste hodn\u011b moc. Ale to nen\u00ed na\u0161\u00ed strategi\u00ed. Na\u0161\u00ed strategi\u00ed nen\u00ed vyhled\u00e1vat jen to, co roste nejv\u00edce, proto\u017ee v\u00edme, \u017ee takov\u00e9 investice taky um\u00ed rychle klesat. A tomu se chceme vyhnout.<\/p>\n<p>Poj\u010fme nyn\u00ed na ty t\u0159i nejzaj\u00edmav\u011bj\u0161\u00ed odpov\u011bdi.<\/p>\n<h2>1) D\u011bti a pen\u00edze<\/h2>\n<p>Radim 60-n\u00edk mi napsal: <em>Nemohu p\u0159esv\u011bd\u010dit sv\u00e9 d\u011bti 42 a 45 rok\u016f o nutnosti dobr\u00e9 renty. Dostali ode mne n\u011bjak\u00e9 prost\u0159edky a jsou za vodou. Asi to byla moje chyba. Necht\u011bl jsem, aby to jednou a\u017e \u0159e\u0161il not\u00e1\u0159. Jsou vyt\u00ed\u017een\u00fd prac\u00ed a budoucnost je moc nezaj\u00edm\u00e1.<\/em><\/p>\n<p>Radim\u016fv podn\u011bt souvis\u00ed s jedn\u00edm n\u00e1zorem, kter\u00fd j\u00e1 jsem tak\u00e9 zast\u00e1val, ale dneska u\u017e m\u00e1m n\u00e1zor jin\u00fd.<\/p>\n<p>Ten p\u016fvodn\u00ed m\u016fj n\u00e1zor je, d\u00e1t d\u011btem pen\u00edze, aby se nemusely tolik starat.<\/p>\n<p>Ten m\u016fj nov\u00fd n\u00e1zor je u\u017e jin\u00fd v tom, \u017ee j\u00e1 si mysl\u00edm, \u017ee pot\u0159eba je p\u0159edev\u0161\u00edm d\u00e1t d\u011btem vzd\u011bl\u00e1n\u00ed v t\u00e9to oblasti.<\/p>\n<p>Je to jako v letadle. Prost\u011b kdy\u017e p\u0159ijdete do letadla a je takov\u00e1 bezpe\u010dnostn\u00ed ozn\u00e1men\u00ed, tak v\u0161ichni \u0159\u00edkaj\u00ed: Nejprve dejte kysl\u00edk k sob\u011b a potom va\u0161emu d\u00edt\u011bti. Ne obr\u00e1cen\u011b.<\/p>\n<p>Ano to je stejn\u011b. Bu\u010fte v pohod\u011b finan\u010dn\u011b vy, pak m\u016f\u017eete d\u011btem d\u00e1vat. Ale mnohem d\u016fle\u017eit\u011bj\u0161\u00ed, co d\u00e1t, je opravdu vyznat se v t\u011bch v\u011bcech. Ch\u00e1pat pojem renty.<\/p>\n<p>Mysl\u00edm, \u017ee Radim\u016fv koment\u00e1\u0159 to dob\u0159e vystihuje. Je pot\u0159eba prost\u011b na to j\u00edt tro\u0161ku jinak.<\/p>\n<p>Kdy\u017e d\u00e1te d\u011btem v\u0161echno, tak se m\u016f\u017ee st\u00e1t, \u017ee vlastn\u011b je zkaz\u00edte, \u017ee jim vlastn\u011b tu budoucnost ne zlep\u0161\u00edte, ale vlastn\u011b zhor\u0161\u00edte. Proto\u017ee oni dostali v\u0161echno zadarmo, a to nen\u00ed nikdy \u00fapln\u011b rozumn\u00e9 \u0159e\u0161en\u00ed.<\/p>\n<p>My tohle t\u00e9ma \u0159e\u0161\u00edme velmi \u010dasto.<\/p>\n<h3>Jak p\u0159ed\u00e1vat pen\u00edze d\u011btem<\/h3>\n<p>Na\u0161i renti\u00e9\u0159i, n\u011bkter\u00fdm je 40, n\u011bkter\u00fdm je 70, tak maj\u00ed d\u011bti, kter\u00fdm je 10, 12, 15 let, ale i d\u011bti, kter\u00fdm je 40 let.<\/p>\n<p>U\u017e jsme postupn\u011b do\u0161li k tomu, jak\u00fd je ten optim\u00e1ln\u00ed syst\u00e9m budov\u00e1n\u00ed vztahu d\u011bt\u00ed k majetku.<\/p>\n<p>Za\u010d\u00edn\u00e1 to n\u011bjak\u00fdm hran\u00edm a n\u011bjak\u00e9 simulace o pen\u011bz\u00edch. P\u0159es dvoudenn\u00ed v\u00edkendov\u00fd kurz, jak k v\u011bcem p\u0159istupovat. To je u\u017e pro tro\u0161ku star\u0161\u00ed d\u011bcka. T\u0159eba 17 a\u017e 30 let \u0159ekn\u011bme.<\/p>\n<p>Potom jsou sou\u010d\u00e1st\u00ed toho \u0159e\u0161en\u00ed, \u017ee rodi\u010de daj\u00ed d\u011btem prvn\u00ed milion ale ne na \u00fatratu, ale na investov\u00e1n\u00ed. Kdy\u017e to funguje, tak t\u0159eba dal\u0161\u00ed milion nebo dal\u0161\u00ed dva miliony.<\/p>\n<p>A postupem \u010dasu ten majetek vlastn\u011b p\u0159ech\u00e1z\u00ed na ty d\u011bti, ale kontrolovan\u011b a s t\u00edm, \u017ee ty d\u011bti ch\u00e1pou, k \u010demu ten majetek m\u016f\u017ee b\u00fdt.<\/p>\n<p>Tak\u017ee to byl hodn\u011b zaj\u00edmav\u00fd impuls od Radima a poj\u010fme se pod\u00edvat na dal\u0161\u00ed.<\/p>\n<h2>2) Diskuse o investic\u00edch<\/h2>\n<p>Jirka je t\u0159ic\u00e1tn\u00edk. U\u017e m\u00e1 taky des\u00edtky milion\u016f a ten n\u00e1m napsal:<\/p>\n<p><em>Nejv\u00edce m\u011b tr\u00e1p\u00ed nemo\u017enost bavit se na t\u00e9ma investic s lidmi v m\u00e9m okol\u00ed. Nezaj\u00edmaj\u00ed se. Nikdo v m\u00e9m okol\u00ed si nepolo\u017eil ot\u00e1zku, pro\u010d m\u00e1 ve sv\u00e9m iPhonu defaultn\u011b nainstalovanou aplikaci \u201eAkcie\u201d. Co se t\u00fdk\u00e1 pen\u011bz, tak se setk\u00e1v\u00e1m s uzav\u0159enost\u00ed asi i se z\u00e1vist\u00ed. Nen\u00ed s k\u00fdm konfrontovat sv\u00e9 principy, a\u0165 u\u017e z pohledu na investice nebo i osobn\u00ed finance. Tak\u017ee jsem odk\u00e1z\u00e1n na literaturu a YouTube. Co\u017e je mnohem v\u00edc ne\u017e nic. Ale chyb\u00ed mi p\u0159\u00edm\u00e1 interakce.<\/em><\/p>\n<p>Jirka nen\u00ed s\u00e1m, komu chyb\u00ed par\u0165\u00e1k do diskuze.<\/p>\n<p>Ono to je samoz\u0159ejm\u011b zp\u016fsobeno t\u00edm, \u017ee teprve prvn\u00ed generace za\u010d\u00edn\u00e1 m\u00edt n\u011bjak\u00e9 pen\u00edze. Za\u010d\u00edn\u00e1 m\u00edt des\u00edtky nebo stovky milion\u016f.<\/p>\n<p>Je to t\u0159icet let, co p\u0159i\u0161el kapitalismus do \u010cR. Logicky je\u0161t\u011b nem\u00e1me zku\u0161enosti v tom, jak se starat o sv\u016fj majetek.<\/p>\n<p>Vid\u00edm mezi mlad\u00fdmi, \u017ee za\u010d\u00edn\u00e1 ten z\u00e1jem b\u00fdt v\u011bt\u0161\u00ed a v\u011bt\u0161\u00ed.<\/p>\n<p>Ale ti, kte\u0159\u00ed vybudovali sv\u00e9 firmy, a dneska je prod\u00e1vaj\u00ed, kte\u0159\u00ed vybudovali majetek, kter\u00fd m\u00e1 des\u00edtky nebo stovky milion\u016f, tak prost\u011b t\u011bch lid\u00ed kolem sebe zas nemaj\u00ed tolik, aby si o tom mohli rozumn\u011b pov\u00eddat.<\/p>\n<p>Ta zku\u0161enost je zat\u00edm historicky velmi kr\u00e1tk\u00e1.<\/p>\n<p>To je mo\u017en\u00e1 jedna z v\u011bc\u00ed, kter\u00e1 bav\u00ed lidi na pov\u00edd\u00e1n\u00ed si s n\u00e1mi, proto\u017ee my ne\u0159\u00edk\u00e1me, \u017ee jsme nejchyt\u0159ej\u0161\u00ed na sv\u011bt\u011b, ale \u017ee m\u00e1me \u010das na v\u011bci, na kter\u00e9 na\u0161i klienti \u010das nemaj\u00ed. \u017de jsme dal\u0161\u00ed partner do diskuze o v\u011bcech, kter\u00e9 na\u0161e klienty zaj\u00edmaj\u00ed.<\/p>\n<p>Ta interakce je n\u011bco, co v tom na\u0161em vztahu s klienty, kte\u0159\u00ed maj\u00ed u\u017e des\u00edtky nebo stovky milion\u016f, hraje velmi v\u00fdznamnou roli.<\/p>\n<p>Mo\u017en\u00e1 to tro\u0161ku nahrazuje to, co za generaci nebo dv\u011b u\u017e bude norm\u00e1ln\u00ed. Baven\u00ed se i s dal\u0161\u00edmi lidmi kolem sebe. Ale dneska to tak je\u0161t\u011b prost\u011b nen\u00ed.<\/p>\n<h3>Uzav\u0159enost a z\u00e1vist<\/h3>\n<p>Jirka psal, \u017ee co se t\u00fdk\u00e1 pen\u011bz, tak se setk\u00e1v\u00e1 s uzav\u0159enost\u00ed a asi i z\u00e1vist\u00ed.<\/p>\n<p>Ono to souvis\u00ed s t\u011bmi na\u0161imi zku\u0161enostmi. Spousta lid\u00ed m\u00e1 s pen\u011bzi \u0161patn\u00e9 zku\u0161enosti. Spousta lid\u00ed m\u00e1 zku\u0161enosti v tom, \u017ee p\u0159i\u0161li o pen\u00edze. To je n\u011bco, co ne \u00fapln\u011b r\u00e1di, kdokoliv z n\u00e1s sd\u00edl\u00ed.<\/p>\n<p>Naopak tomu, komu se da\u0159\u00ed, tak je mnoho lid\u00ed, kte\u0159\u00ed z\u00e1vid\u00ed. No a z\u00e1vist, to je n\u011bco, s \u010d\u00edm se asi potk\u00e1vat budeme n\u011bjakou dobu a zase to souvis\u00ed s t\u00edm, \u017ee ve chv\u00edli, kdy bude v\u00edc lid\u00ed, kte\u0159\u00ed budou \u00fasp\u011b\u0161n\u00ed, tak mo\u017en\u00e1 mnoz\u00ed to budou pova\u017eovat za inspiraci m\u00edsto toho, aby z\u00e1vid\u011bli.<\/p>\n<p>Ale uvid\u00edme jak to dopadne.<\/p>\n<p>Mo\u017en\u00e1 je\u0161t\u011b jeden koment\u00e1\u0159 k t\u00e9 uzav\u0159enosti.<\/p>\n<p>J\u00e1 mus\u00edm \u0159\u00edct, \u017ee s lidmi, s kter\u00fdmi j\u00e1 pracuju, \u00fasp\u011b\u0161n\u00fdmi lidmi, kte\u0159\u00ed maj\u00ed svoje firmy, kter\u00e9 bu\u010f prodali nebo je\u0161t\u011b neprodali a u\u017e z nich generuj\u00ed des\u00edtky milion\u016f korun ro\u010dn\u011b, tak to nejsou lidi, kte\u0159\u00ed by byl n\u011bjak\u00fd ok\u00e1zal\u00fd \u00fapln\u011b.<\/p>\n<p>To nejsou lidi, kte\u0159\u00ed by d\u00e1vali ten sv\u016fj \u00fasp\u011bch najevo a na ka\u017ed\u00e9m rohu by to bylo vid\u011bt. Na ka\u017ed\u00e9m jejich pohybu.<\/p>\n<p>Mo\u017en\u00e1 proto m\u016f\u017ee n\u011bkomu p\u0159ipadat to jako uzav\u0159enost.<\/p>\n<p>Z m\u00e9ho pohledu alespo\u0148 u klient\u016f, s kter\u00fdmi j\u00e1 pracuju, je to sp\u00ed\u0161 ne-ok\u00e1zalost a ne-vystavov\u00e1n\u00ed se \u00fapln\u011b na odiv. Jsou to \u00fapln\u011b norm\u00e1ln\u00ed lidi, kte\u0159\u00ed tvrdou prac\u00ed dok\u00e1zali vyd\u011blat spoustu pen\u011bz a a v\u00ed, \u017ee te\u010f je pot\u0159eba se o n\u011b postarat.<\/p>\n<p>Ka\u017edop\u00e1dn\u011b pro Jirku i ostatn\u00ed i na <a href=\"https:\/\/www.youtube.com\/channel\/UCPT7GD3SrdsxmnD-sPuV3WA\">Youtube<\/a> publikujeme na\u0161e videa. Tak\u017ee n\u00e1s tam m\u016f\u017eete sledovat a m\u00edt t\u0159eba n\u011bkoho, koho ob\u010das usly\u0161\u00edte, kdo v\u00e1m \u0159ekne n\u011bco, co v\u00e1s zaujme.<\/p>\n<p>Tak te\u010f jsme se bavili o Jirkovi.<\/p>\n<h2>3) Nem\u00e1m\u00a0na investice\u00a0\u010das ani chu\u0165<\/h2>\n<p>T\u0159et\u00ed n\u00e1zor, kter\u00fd n\u00e1s zaujal, byl n\u00e1zor od Petra &#8211; \u010dty\u0159ic\u00e1tn\u00edka:<\/p>\n<p><em>Omezen\u00e9 portfolio kter\u00e9 bez pot\u0159ebn\u00fdch znalost\u00ed nemohu rozv\u00edjet, z\u00edsk\u00e1vat znalosti nem\u00e1m \u010das a asi u\u017e ani chu\u0165. Tud\u00ed\u017e zraju k rozhodnut\u00ed p\u0159edat investi\u010dn\u00ed leadership na n\u011bkoho povolan\u011bj\u0161\u00edho. Co\u017e je pro mne volba nejednoduch\u00e1, nebo\u0165 to chce nejen znalosti ale i d\u016fv\u011bru v mnoha sm\u011brech.<\/em><\/p>\n<p>My typicky pom\u00e1h\u00e1me lidem, kte\u0159\u00ed nemaj\u00ed \u010das nebo chu\u0165 se investic\u00edm v\u011bnovat.<\/p>\n<p>Ale na druhou stranu, j\u00e1 jim v\u017edycky \u0159\u00edk\u00e1m, je pot\u0159eba alespo\u0148 n\u011bjak\u00fd \u010das si naj\u00edt.<\/p>\n<p>Nemus\u00edte v\u011bnovat investic\u00edm 4 nebo 6 hodin denn\u011b, abyste se o n\u011b starali. Ale jednu, dv\u011b hodiny m\u011bs\u00ed\u010dn\u011b je pot\u0159eba si naj\u00edt, abyste v\u011bd\u011bli, co vlastn\u011b se<br \/>\nv tom portfoliu d\u011bje, abyste v\u011bd\u011bli, co v\u00e1m v\u00e1\u0161 poradce doporu\u010duje, a aby to nebyla takov\u00e1 ta slep\u00e1 d\u016fv\u011bra.<\/p>\n<p>Slep\u00e1 d\u016fv\u011bra nen\u00ed nikdy dobr\u00fdm p\u0159\u00edtelem dlouhodob\u00e9ho investora.<\/p>\n<p>Pokud nechcete jenom slep\u011b d\u016fv\u011b\u0159ovat, pokud chcete rozumn\u011b v\u011bd\u011bt, co se v tom portfoliu d\u011bje, tak my t\u0159eba m\u016f\u017eeme b\u00fdt zaj\u00edmav\u00fd partner i pro v\u00e1s. Pokud se tomu nechcete v\u011bnovat vy naplno od r\u00e1na do ve\u010dera.<\/p>\n<h3>Je to o d\u016fv\u011b\u0159e<\/h3>\n<p>D\u016fv\u011bra je samoz\u0159ejm\u011b kritick\u00e1 sou\u010d\u00e1st na\u0161eho p\u0159\u00edpadn\u00e9ho vztahu. Ta se nevytvo\u0159\u00ed ze dne na den.<\/p>\n<p>Na m\u011b se obrac\u00ed lid\u00e9, kte\u0159\u00ed mi ob\u010das \u0159\u00edkaj\u00ed: <em>Vladimire, j\u00e1 u\u017e v\u00e1s p\u016fl roku sleduju, nebo rok u\u017e odeb\u00edr\u00e1m va\u0161e videa, a nebo 2 roky sleduji to, co d\u011bl\u00e1te a d\u00e1v\u00e1 mi to po\u0159\u00e1d smysl.<\/em><\/p>\n<p>To je p\u0159esn\u011b to, co je d\u016fle\u017eit\u00e9.<\/p>\n<p>Kdy\u017e budeme p\u0159em\u00fd\u0161let podobn\u011b jako vy, kdy\u017e si \u0159eknete: <em>Jo, tenhle ten zp\u016fsob p\u0159em\u00fd\u0161len\u00ed, to je n\u011bco, jak bych p\u0159em\u00fd\u0161lel tak\u00e9.<\/em><\/p>\n<p>Tak to je sou\u010d\u00e1st toho, \u017ee to m\u016f\u017ee fungovat. Ale ta d\u016fv\u011bra souvis\u00ed je\u0161t\u011b s jednou v\u011bc\u00ed&#8230;<\/p>\n<p>\u017de nikam nesp\u011bch\u00e1me.<\/p>\n<p>Na v\u0161echno m\u00e1me klid a \u010das. V\u011bci \u0159e\u0161\u00edme na des\u00edtky let dop\u0159edu. A proto je pot\u0159eba k nim p\u0159istoupit s rozvahou a v klidu.<\/p>\n<p>R\u00e1di s v\u00e1mi nasd\u00edl\u00edme v\u0161echno, co v\u00edme.<\/p>\n<p>V\u0161echno s v\u00e1mi nasd\u00edl\u00edme p\u00edsemn\u011b. D\u00e1me dohromady na za\u010d\u00e1tku investi\u010dn\u00ed pl\u00e1n a strategii, kter\u00fd si v klidu m\u016f\u017eete prostudovat a v klidu ho probereme. A\u017e kdy\u017e v\u00e1m to d\u00e1v\u00e1 smysl, tak jdeme d\u00e1l.<\/p>\n<p>A nasd\u00edl\u00edme v\u00e1m dal\u0161\u00ed v\u011bci. Jak vyb\u00edr\u00e1me investi\u010dn\u00ed produkty. Pro\u010d je vyb\u00edr\u00e1me zrovna podle investi\u010dn\u00edho pl\u00e1nu atd. A tak d\u00e1le. Krok za krokem.<\/p>\n<p>A j\u00e1 v\u017edycky ka\u017ed\u00e9mu \u0159\u00edk\u00e1m: <em>I kdy\u017e se u\u017e tro\u0161ku zn\u00e1me, stejn\u011b se budeme rok, dva pozn\u00e1vat.<\/em><\/p>\n<p>Ten n\u00e1\u0161 zp\u016fsob pr\u00e1ce budete pozn\u00e1vat i nad\u00e1le.<\/p>\n<p>A v\u016fbec n\u00e1m nevad\u00ed, \u017ee za\u010dneme s men\u0161\u00edmi \u010d\u00e1stkami.<\/p>\n<p>Jestli\u017ee m\u00e1te dneska 50 milion\u016f na investice, no tak za\u010dneme s 5 nebo s 10 nebo s 15.\u00a0 Postupem \u010dasu teprve dojdeme na tu plnou spolupr\u00e1ci.<\/p>\n<p>Proto\u017ee tu d\u016fv\u011bru si mus\u00edme zaslou\u017eit.<\/p>\n<p>A my to v\u00edme. Ch\u00e1peme to.<\/p>\n<p>Sou\u010d\u00e1st\u00ed budov\u00e1n\u00ed t\u00e9 d\u016fv\u011bry je to, \u017ee neprod\u00e1v\u00e1me na\u0161im klient\u016fm n\u011bjak\u00e9 investi\u010dn\u00ed produkty.<\/p>\n<p>Sou\u010d\u00e1st\u00ed budov\u00e1n\u00ed t\u00e9 d\u016fv\u011bry je to, \u017ee jsme placeni z velk\u00e9 \u010d\u00e1sti ze zisku, kter\u00fd klient\u016fm p\u0159ineseme, po ode\u010dten\u00ed n\u00e1klad\u016f na ten zisk vynalo\u017een\u00fdch.<\/p>\n<p>\u017de n\u00e1s neplat\u00ed nikdo jin\u00fd. Pouze na\u0161i klienti.<\/p>\n<p>To jsou v\u011bci, co tu d\u016fv\u011bru tak\u00e9 pom\u00e1h\u00e1 budovat.<\/p>\n<h2>D\u011bkujeme za v\u0161echny podn\u011bty<\/h2>\n<p>Tak\u017ee to byly 3 zaj\u00edmav\u00e9 n\u00e1zory.<\/p>\n<p>Od Radima, kter\u00fd mluvil o d\u011btech a p\u0159ed\u00e1v\u00e1n\u00ed majetku d\u011btem.\u00a0Od Jirky, kter\u00fd mluvil o tom, \u017ee nem\u00e1 s k\u00fdm se o investic\u00edch pobavit. T\u0159et\u00ed byl Petr, kter\u00fd \u0159\u00edkal, \u017ee nem\u00e1 ani \u010das ani chu\u0165 v\u011bci tolik rozv\u00edjet.<\/p>\n<p>Proto\u017ee n\u00e1m napsali a jejich n\u00e1zory byly pro m\u011b nejzaj\u00edmav\u011bj\u0161\u00ed, tak maj\u00ed od n\u00e1s sl\u00edbenou knihu, kterou pova\u017euju za zaj\u00edmavou inspiraci pro v\u0161echny, kte\u0159\u00ed se cht\u011bj\u00ed o sv\u016fj majetek starat.<\/p>\n<p>Samoz\u0159ejm\u011b ale d\u011bkuju v\u0161em, kte\u0159\u00ed mi napsali a pod\u011blili se o sv\u00e9 n\u00e1zory.<\/p>\n<p>My to, co jsme dostali, ty informace a odpov\u011bdi budeme i nad\u00e1le zpracov\u00e1vat, reagovat na n\u011b a \u010derpat od nich pro na\u0161e dal\u0161\u00ed videa a materi\u00e1ly kter\u00e9 v\u00e1m budeme zas\u00edlat.<\/p>\n<p>Tak\u017ee z\u016fsta\u0148te s n\u00e1mi, a\u0165 m\u016f\u017eete investovat s rozvahou a dlouhodob\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vybrali jsme 3 odpov\u011bdi z 310 reakc\u00ed na n\u00e1\u0161 pr\u016fzkum ze z\u00e1v\u011bru roku 2020.<\/p>\n","protected":false},"author":2,"featured_media":1706,"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":[52],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f) - 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\/3-pohledy-na-investovani-a-penize\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)\" \/>\n<meta property=\"og:description\" content=\"310 lid\u00ed reagovalo na n\u00e1\u0161 dotazn\u00edk ohledn\u011b investov\u00e1n\u00ed v roce 2021.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/\" \/>\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=\"2021-02-11T11:00:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-11T11:17:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-social.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1499\" \/>\n\t<meta property=\"og:image:height\" content=\"784\" \/>\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=\"8 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/\"},\"author\":{\"name\":\"Vladim\u00edr Fichtner\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/e5835533bc569b1026f8e75c9e10af04\"},\"headline\":\"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)\",\"datePublished\":\"2021-02-11T11:00:36+00:00\",\"dateModified\":\"2021-02-11T11:17:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/\"},\"wordCount\":2361,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg\",\"keywords\":[\"d\u011bti\"],\"articleSection\":[\"Video tipy\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/\",\"name\":\"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f) - InvestGuru.cz\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg\",\"datePublished\":\"2021-02-11T11:00:36+00:00\",\"dateModified\":\"2021-02-11T11:17:07+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage\",\"url\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg\",\"contentUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg\",\"width\":880,\"height\":360},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\/\/www.investguru.cz\/cs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)\"}]},{\"@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\/e5835533bc569b1026f8e75c9e10af04\",\"name\":\"Vladim\u00edr Fichtner\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/FICHTNER_Vladimir_06_400x400-150x150.jpg\",\"contentUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/FICHTNER_Vladimir_06_400x400-150x150.jpg\",\"caption\":\"Vladim\u00edr Fichtner\"},\"description\":\"Gener\u00e1ln\u00ed \u0159editel Fichtner a.s. Vladim\u00edr p\u016fsobil jako portfolio mana\u017eer ve spole\u010dnosti Pioneer Investments a jako vrcholn\u00fd mana\u017eer ve skupin\u011b PPF. Aktu\u00e1ln\u011b vede t\u00fdm Fichtner Wealth Managers a pe\u010duje o dolarov\u00e9 milion\u00e1\u0159e.\",\"url\":\"https:\/\/www.investguru.cz\/cs\/author\/vladimirfichtner\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f) - 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.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/","og_locale":"cs_CZ","og_type":"article","og_title":"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)","og_description":"310 lid\u00ed reagovalo na n\u00e1\u0161 dotazn\u00edk ohledn\u011b investov\u00e1n\u00ed v roce 2021.","og_url":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/","og_site_name":"InvestGuru.cz","article_publisher":"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/","article_published_time":"2021-02-11T11:00:36+00:00","article_modified_time":"2021-02-11T11:17:07+00:00","og_image":[{"width":1499,"height":784,"url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-social.png","type":"image\/png"}],"author":"Vladim\u00edr Fichtner","twitter_card":"summary_large_image","twitter_misc":{"Napsal(a)":"Vladim\u00edr Fichtner","Odhadovan\u00e1 doba \u010dten\u00ed":"8 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#article","isPartOf":{"@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/"},"author":{"name":"Vladim\u00edr Fichtner","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/e5835533bc569b1026f8e75c9e10af04"},"headline":"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)","datePublished":"2021-02-11T11:00:36+00:00","dateModified":"2021-02-11T11:17:07+00:00","mainEntityOfPage":{"@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/"},"wordCount":2361,"commentCount":0,"publisher":{"@id":"https:\/\/www.investguru.cz\/cs\/#organization"},"image":{"@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg","keywords":["d\u011bti"],"articleSection":["Video tipy"],"inLanguage":"cs","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/","url":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/","name":"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f) - InvestGuru.cz","isPartOf":{"@id":"https:\/\/www.investguru.cz\/cs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage"},"image":{"@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg","datePublished":"2021-02-11T11:00:36+00:00","dateModified":"2021-02-11T11:17:07+00:00","breadcrumb":{"@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#primaryimage","url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg","contentUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/02\/vfi-3-pohledy-blog.jpg","width":880,"height":360},{"@type":"BreadcrumbList","@id":"https:\/\/www.investguru.cz\/cs\/3-pohledy-na-investovani-a-penize\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.investguru.cz\/cs\/"},{"@type":"ListItem","position":2,"name":"3 pohledy na investov\u00e1n\u00ed a pen\u00edze (p\u0159\u00edmo od investor\u016f)"}]},{"@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\/e5835533bc569b1026f8e75c9e10af04","name":"Vladim\u00edr Fichtner","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/image\/","url":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/FICHTNER_Vladimir_06_400x400-150x150.jpg","contentUrl":"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2018\/08\/FICHTNER_Vladimir_06_400x400-150x150.jpg","caption":"Vladim\u00edr Fichtner"},"description":"Gener\u00e1ln\u00ed \u0159editel Fichtner a.s. Vladim\u00edr p\u016fsobil jako portfolio mana\u017eer ve spole\u010dnosti Pioneer Investments a jako vrcholn\u00fd mana\u017eer ve skupin\u011b PPF. Aktu\u00e1ln\u011b vede t\u00fdm Fichtner Wealth Managers a pe\u010duje o dolarov\u00e9 milion\u00e1\u0159e.","url":"https:\/\/www.investguru.cz\/cs\/author\/vladimirfichtner\/"}]}},"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1705"}],"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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=1705"}],"version-history":[{"count":2,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1705\/revisions"}],"predecessor-version":[{"id":1709,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1705\/revisions\/1709"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/1706"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=1705"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=1705"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=1705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}