{"id":1873,"date":"2021-09-07T14:53:12","date_gmt":"2021-09-07T12:53:12","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1873"},"modified":"2022-12-21T00:27:46","modified_gmt":"2022-12-20T23:27:46","slug":"nekonecna-renta","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/nekonecna-renta\/","title":{"rendered":"\u010cerpejte ze sv\u00e9ho bohatstv\u00ed nekone\u010dnou rentu"},"content":{"rendered":"<p>Ti z bank\u00e9\u0159\u016f, finan\u010dn\u00edch poradc\u016f i akademik\u016f v \u010cR i zahrani\u010d\u00ed, kte\u0159\u00ed p\u0159emy\u0301\u0161lej\u00ed o konceptu renty, v\u00e1m \u0159eknou zhruba n\u00e1sleduj\u00edc\u00ed:<\/p>\n<p>\u201e<em>Nejprve mus\u00edte do ur\u010dit\u00e9ho v\u011bku nakumulovat ur\u010dity\u0301 objem finan\u010dn\u00edho majetku a n\u00e1sledn\u011b tento majetek budete postupn\u011b spot\u0159ebov\u00e1vat na vypl\u00e1cenou rentu.<\/em>\u201c<\/p>\n<p>A kdy\u017e k tomu nakresl\u00ed p\u0159edpokl\u00e1dany\u0301 graf vy\u0301voje hodnoty majetku, vypad\u00e1 tento graf jako obr\u00e1cen\u00e9 p\u00edsmeno \u201eV\u201c.<\/p>\n<figure id=\"attachment_1881\" aria-describedby=\"caption-attachment-1881\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-1881 size-full\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/09\/konecna-renta.png\" alt=\"\" width=\"900\" height=\"550\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/09\/konecna-renta.png 900w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/09\/konecna-renta-300x183.png 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2021\/09\/konecna-renta-768x469.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-1881\" class=\"wp-caption-text\">B\u011b\u017en\u00e1 \u201ekone\u010dn\u00e1\u201c renta<\/figcaption><\/figure>\n<p>Na za\u010d\u00e1tku na\u0161\u00ed poradensk\u00e9 kari\u00e9ry jsme uva\u017eovali podobn\u011b.<\/p>\n<p>Postupem \u010dasu jsme ale zjistili, \u017ee tento p\u0159\u00edstup se poty\u0301k\u00e1 se t\u0159emi z\u00e1sadn\u00edmi metodicky\u0301mi nejistotami, na jejich\u017e \u0159e\u0161en\u00ed nepanuje v\u0161eobecn\u00e1 shoda.<\/p>\n<h2>3 nejistoty ohledn\u011b renty<\/h2>\n<p><strong>Prvn\u00ed nejistotou je, do kolika let rentu pl\u00e1novat. <\/strong><\/p>\n<p>Pokud budete pl\u00e1novat rentu do 75 let, do 85 let nebo do 100 let v\u011bku, budete pot\u0159ebovat m\u00edt na jej\u00ed \u010derp\u00e1n\u00ed od za\u010d\u00e1tku r\u016fzny\u0301 objem majetku.<\/p>\n<p>Kdy\u017e se rozhodnete, \u017ee chcete rentu jen do 75 let v\u011bku, ale do\u017eijete se v\u011bku vy\u0161\u0161\u00edho, budete muset spol\u00e9hat na to, \u017ee v\u00e1m ji bude vypl\u00e1cet st\u00e1t nebo v\u00e1s budou podporovat va\u0161e d\u011bti.<\/p>\n<p><strong>Druhou metodickou nejistotou je v\u00e1ha akci\u00ed v majetku na rentu. <\/strong><\/p>\n<p>Hodn\u011b poradc\u016f a bank\u00e9\u0159\u016f pracuje s t\u00edm, \u017ee byste v okam\u017eiku vstupu do rentov\u00e9ho v\u011bku m\u011bli m\u00edt ve\u0161kery\u0301 majetek v hotovosti. Na z\u00e1pad od n\u00e1s n\u011bkte\u0159\u00ed akademici mluv\u00ed o portfoliu s 20 % akci\u00ed, dal\u0161\u00ed o portfoliu s 60 % akci\u00ed. N\u011bkdo doporu\u010duje, aby v\u00e1ha akci\u00ed v portfoliu postupn\u011b s v\u011bkem klesala, jin\u00ed naopak, aby rostla.<\/p>\n<p><strong>T\u0159et\u00ed metodickou nejistotou je potom \u201evzorec,\u201c podle kter\u00e9ho rentu vyb\u00edrat. <\/strong><\/p>\n<p>Kdy\u017e toti\u017e zvol\u00edte \u0161patny\u0301 vzorec, m\u016f\u017ee se st\u00e1t, \u017ee v\u00e1m pen\u00edze dojdou. D\u0159\u00edve se \u0159\u00edkalo, \u017ee je bezpe\u010dn\u00e9 vyb\u00edrat 4 % z majetku ro\u010dn\u011b. S p\u0159\u00edchodem n\u00edzky\u0301ch \u00farokovy\u0301ch sazeb a n\u00edzky\u0301ch vy\u0301nos\u016f na dluhopisech se mluv\u00ed sp\u00ed\u0161e o 3 % ro\u010dn\u011b a n\u011bkdo dokonce doporu\u010duje, aby se vy\u0301\u0161e renty m\u011bnila v z\u00e1vislosti na tom, kolik portfolio dany\u0301 rok vyd\u011bl\u00e1v\u00e1.<\/p>\n<h2>Renti\u00e9r nechce p\u0159ich\u00e1zet o majetek<\/h2>\n<p>Nav\u00edc z na\u0161\u00ed zku\u0161enosti plyne, \u017ee \u017e\u00e1dny\u0301 renti\u00e9r nechce, aby se hodnota jeho majetku se za\u010d\u00e1tkem vy\u0301b\u011bru renty za\u010dala sni\u017eovat.<\/p>\n<p>Tak tomu ale je v investi\u010dn\u00edch pl\u00e1nech, kter\u00e9 pracuj\u00ed s konceptem vy\u0301voje majetku ve tvaru obr\u00e1cen\u00e9ho \u201eV.\u201c V re\u00e1ln\u00e9m \u017eivot\u011b je v\u0161ak k\u0159ivka sni\u017euj\u00edc\u00ed se hodnoty majetku s vy\u0301b\u011brem renty pro renti\u00e9ry stresuj\u00edc\u00ed a jen m\u00e1lo p\u0159ijateln\u00e1.<\/p>\n<p>\u0158e\u0161en\u00edm v\u0161ech zm\u00edn\u011bny\u0301ch nejistot je vyu\u017eit\u00ed konceptu nekone\u010dn\u00e9 re\u00e1ln\u00e9 renty, ke kter\u00e9mu jsme v investi\u010dn\u00edch pl\u00e1nech na\u0161ich klient\u016f postupn\u011b dosp\u011bli my.<\/p>\n<h2>Koncept nekone\u010dn\u00e1 renta<\/h2>\n<p>Renti\u00e9rsk\u00e9 portfolio v tomto konceptu vypl\u00e1c\u00ed re\u00e1ln\u011b (p\u0159i zohledn\u011bn\u00ed inflace) st\u00e1le stejnou rentu cca 3 % z majetku a z\u00e1rove\u0148 se v re\u00e1ln\u00e9m vyj\u00e1d\u0159en\u00ed zachov\u00e1v\u00e1 i hodnota majetku (jistiny), se ktery\u0301m renti\u00e9r vstupoval do renti\u00e9rsk\u00e9 \u010d\u00e1sti sv\u00e9ho \u017eivota.<\/p>\n<p>D\u00edky tomu se hodnota majetku se za\u010d\u00e1tkem vy\u0301b\u011bru renty nesni\u017euje a majetek tak z\u016fst\u00e1v\u00e1 zachov\u00e1n pro dal\u0161\u00ed generace. P\u0159\u00edpadn\u011b ho lze vyu\u017e\u00edt jako krizovou rezervu (nap\u0159. p\u0159i mimo\u0159\u00e1dny\u0301ch zdravotn\u00edch probl\u00e9mech), pokud bychom n\u00e1sledn\u011b p\u0159istoupili na sn\u00ed\u017eenou vy\u0301\u0161i renty.<\/p>\n<p>Dlouhodob\u00e9 c\u00edlov\u00e9 zhodnocen\u00ed portfolia renti\u00e9ra je cca 4 a\u017e 6 % p.a. s t\u00edm, \u017ee neutr\u00e1ln\u00ed v\u00e1ha akci\u00ed se pohybuje mezi 40 a\u017e 60 % portfolia podle rizikov\u011b-investi\u010dn\u00edho profilu klienta.<\/p>\n<h2>Nekone\u010dn\u00e1 renta nen\u00ed tak drah\u00e1, jak vypad\u00e1!<\/h2>\n<p>Podstatn\u00e9 je, \u017ee na nekone\u010dnou rentu nen\u00ed pot\u0159eba z\u00e1sadn\u011b v\u00edce pen\u011bz ne\u017e nap\u0159. na kone\u010dnou rentu do 100 let. Na\u0161i klienti \u010dasto uva\u017euj\u00ed se za\u010d\u00e1tkem renty okolo v\u011bku 50 let. A tud\u00ed\u017e maj\u00ed p\u0159ed sebou cca 40 a\u017e 50 let jej\u00edho pob\u00edr\u00e1n\u00ed.<\/p>\n<p>A jak je vid\u011bt z tabulky, na nekone\u010dnou nebo 50letou rentu skute\u010dn\u011b nen\u00ed t\u0159eba vy\u0301znamn\u011b v\u00edce majetku.<\/p>\n<table class=\"table\">\n<caption>Pot\u0159ebny\u0301 objem majetku v mil. K\u010d na rentu ve vy\u0301\u0161i 100 000 m\u011bs\u00ed\u010dn\u011b<\/caption>\n<thead>\n<tr>\n<th>D\u00e9lka renty<\/th>\n<th>Konzervativn\u00ed investor<\/th>\n<th>Vyv\u00e1\u017eeny\u0301 investor<\/th>\n<th>Dynamick\u00fd investor<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th>Nekone\u010dno<\/th>\n<td>39.28<\/td>\n<td>35.12<\/td>\n<td>31.82<\/td>\n<\/tr>\n<tr>\n<th>50<\/th>\n<td>37.50<\/td>\n<td>34.21<\/td>\n<td>31.15<\/td>\n<\/tr>\n<tr>\n<th>40<\/th>\n<td>34.78<\/td>\n<td>31.43<\/td>\n<td>29.75<\/td>\n<\/tr>\n<tr>\n<th>30<\/th>\n<td>30.50<\/td>\n<td>28.50<\/td>\n<td>27.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Nekone\u010dn\u00e1 renta nesni\u017euje majetek<\/h2>\n<p>U nekone\u010dn\u00e9 renty \u010derp\u00e1me pouze vy\u0301nosy z majetku, dal\u0161\u00ed \u010d\u00e1st vy\u0301nos\u016f potom slou\u017e\u00ed ke zhodnocov\u00e1n\u00ed jistiny o inflaci.<\/p>\n<p>U 50let\u00e9 renty ji \u010derp\u00e1me p\u0159ev\u00e1\u017en\u011b z vy\u0301nos\u016f (97,4 %) a z prodeje jen velmi m\u00e1lo (2,6 %). Proto hodnota majetku kles\u00e1 pomalu a vydr\u017e\u00ed dlouhy\u0301ch 50 let.<\/p>\n<p>U 30let\u00e9 renty je objem majetku ni\u017e\u0161\u00ed ne\u017e u nekone\u010dn\u00e9 renty. Proto vy\u0301nosy pokryj\u00ed jen jej\u00ed \u010d\u00e1st a podstatnou \u010d\u00e1st ji\u017e tvo\u0159\u00ed prodej majetku (18,9 %).\u00a0 Majetek (jistina) se rychleji spot\u0159ebov\u00e1v\u00e1 a renta vydr\u017e\u00ed ji\u017e jen 30 let.<\/p>\n<table class=\"table\">\n<thead>\n<tr>\n<th>Doba renty<\/th>\n<th>Objem majetku<\/th>\n<th>Vy\u0301nosy z majetku<\/th>\n<th>Prodej majetku<\/th>\n<th>Renta<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<th>Nekone\u010dno<\/th>\n<td>35 120 000<\/td>\n<td>100 000<\/td>\n<td>0<\/td>\n<td>100 000<\/td>\n<\/tr>\n<tr>\n<th>50<\/th>\n<td>34 210 000<\/td>\n<td>97 409<\/td>\n<td>2 591<\/td>\n<td>100 000<\/td>\n<\/tr>\n<tr>\n<th>40<\/th>\n<td>31 430 000<\/td>\n<td>89 493<\/td>\n<td>10 507<\/td>\n<td>100 000<\/td>\n<\/tr>\n<tr>\n<th>30<\/th>\n<td>28 500 000<\/td>\n<td>81 150<\/td>\n<td>18 850<\/td>\n<td>100 000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Mal\u00fd rozd\u00edl, kter\u00fd m\u00e1 velk\u00fd vliv<\/h2>\n<p>Rozd\u00edl v pot\u0159ebn\u00e9 po\u010d\u00e1te\u010dn\u00ed vy\u0301\u0161i majetku na rentu kone\u010dnou nebo nekone\u010dnou m\u016f\u017ee by\u0301t vy\u0159e\u0161en nap\u0159. zhodnocen\u00edm portfolia v jednom nebo dvou letech.<\/p>\n<p>Nebo \u2013 jak tomu v\u011bt\u0161inou by\u0301v\u00e1 \u2013 i t\u00edm, \u017ee v\u011bt\u0161ina na\u0161ich klient\u016f v\u00edt\u00e1 finan\u010dn\u00ed svobodu u\u017e nap\u0159. v 50 letech, ale p\u0159esto i d\u00e1le pokra\u010duje v pr\u00e1ci, podnik\u00e1n\u00ed a de facto i v kumulaci pen\u011bz na svoji budouc\u00ed nekone\u010dnou rentu.<\/p>\n<p>Sm\u011b\u0159ujte proto ve svy\u0301ch investi\u010dn\u00edch pl\u00e1nech k nekone\u010dn\u00e9 re\u00e1ln\u00e9 rent\u011b. P\u0159eci jen nikdo z n\u00e1s nev\u00ed, jak dlouho bude pen\u00edze pot\u0159ebovat.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Co kdybyste mohli ze sv\u00e9ho majetku \u010derpat rentu bez toho, aby se zmen\u0161oval<\/p>\n","protected":false},"author":6,"featured_media":1876,"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":[31],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u010cerpejte ze sv\u00e9ho bohatstv\u00ed nekone\u010dnou rentu - 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