{"id":1885,"date":"2021-09-13T15:23:42","date_gmt":"2021-09-13T13:23:42","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=1885"},"modified":"2021-09-30T23:44:04","modified_gmt":"2021-09-30T21:44:04","slug":"45lety-nekonecne-renty","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/45lety-nekonecne-renty\/","title":{"rendered":"Jak 45let\u00fd m\u016f\u017ee dos\u00e1hnout nekone\u010dn\u00e9 renty"},"content":{"rendered":"<p>V reakci na \u010dl\u00e1nek <a href=\"https:\/\/www.investguru.cz\/cs\/nekonecna-renta\/\">\u010cerpejte ze sv\u00e9ho bohatstv\u00ed nekone\u010dnou rentu<\/a>, n\u00e1m p\u0159i\u0161el n\u00e1sleduj\u00edc\u00ed dotaz od Roberta:<\/p>\n<p><em>Nekone\u010dn\u00e1 renta je super, ale j\u00e1 nedisponuji miliony. Je mi 45 let a jestli by to \u0161lo i v m\u00e9m v\u011bku, tak by to bylo dobr\u00e9. Je mo\u017en\u00e9 v m\u00e9m v\u011bku je\u0161t\u011b n\u011bco podobn\u00e9ho uskute\u010dnit?<\/em><\/p>\n<p><em>J\u00e1 m\u00e1m zainvestov\u00e1no do ETF, pravideln\u011b pos\u00edl\u00e1m 2000 ka\u017ed\u00fd m\u011bs\u00edc, pen\u00edze se hodnot\u00ed asi 8 a\u017e 10 % za rok. Ale na obchodov\u00e1n\u00ed na burze nem\u00e1m dostatek \u010dasu a hlavn\u011b netrouf\u00e1m si na to.<\/em><\/p>\n<p><em>Jestli by bylo i pro m\u011b n\u011bjak\u00e9 \u0159e\u0161en\u00ed, jak se zaopat\u0159it, tak r\u00e1d si vyslechnu. Pracuji v n\u011bmecku u\u017e del\u0161\u00ed dobu a m\u00e1m asi 70000 p\u0159\u00edjem, ale z toho jde na poplatky 42000 + j\u00eddlo+ dal\u0161\u00ed v\u00fddaje.<\/em><\/p>\n<p>V\u00a0p\u0159\u00edkladech mluv\u00edme o nekone\u010dn\u00e9 rent\u011b ve v\u00fd\u0161i 100 000 K\u010d a pro tu pot\u0159ebujme majetek v objemu 35 mil. K\u010d. Pokud ale nepot\u0159ebujete tak vysokou rentu, sta\u010d\u00ed V\u00e1m samoz\u0159ejm\u011b i ni\u017e\u0161\u00ed majetek.<\/p>\n<p>P\u0159i pl\u00e1nov\u00e1n\u00ed renty je d\u016fle\u017eit\u00e9 za\u010d\u00edt od c\u00edle.<br \/>\nTedy jakou rentu chci a za jak dlouho.<\/p>\n<h2>Jakou rentu chci?<\/h2>\n<p>Obecn\u011b si vezm\u011bte sou\u010dasnou \u00farove\u0148 v\u00fddaj\u016f, ode\u010dt\u011bte to co u\u017e p\u0159i renti\u00e9rsk\u00e9m m\u00f3du nebudete platit (nap\u0159. hypot\u00e9ka, apod. ..) a to je ide\u00e1ln\u00ed po\u017eadavek na rentu.<\/p>\n<p>Pak u\u017e je to o tom p\u0159em\u00fd\u0161let jak rentu poskl\u00e1dat.<\/p>\n<p>Nezapome\u0148te zohlednit i dal\u0161\u00ed p\u0159\u00edjmy, kter\u00e9 jsou podobn\u00e9 rent\u011b a kter\u00e9 m\u016f\u017eete m\u00edt. Nap\u0159\u00edklad p\u0159\u00edjmy z pron\u00e1jm\u016f nemovitost\u00ed, z podnik\u00e1n\u00ed nebo n\u011bjakou formu renty d\u00edky pr\u00e1ci v N\u011bmecku.<\/p>\n<p>Proto\u017ee nezn\u00e1me detaily, poj\u010fme pro ilustraci\u00a0za\u010d\u00edt s p\u0159\u00edkladem, \u017ee by celkov\u00e1 renta byla 30 000 z Va\u0161eho majetku + v budoucnu d\u016fchod z N\u011bmecka.<\/p>\n<p>Mo\u017en\u00e1 budete pot\u0159ebovat m\u00e9n\u011b, ale je to prvn\u00ed ot\u00e1zka nad kterou se zamyslet.<\/p>\n<p>Jakmile v\u00edme, jakou rentu pot\u0159ebujeme, v\u00edme i objem majetku, kter\u00fd ji bude generovat.<\/p>\n<p>To jsou spojen\u00e9 n\u00e1doby. Bez velk\u00e9ho majetku nebude velk\u00e1 renta.<\/p>\n<p>Pokud m\u00e1 b\u00fdt renta nekone\u010dn\u00e1, po\u010d\u00edtejte s t\u00edm, \u017ee budete pot\u0159ebovat cca 3,5 milion\u016f CZK na ka\u017ed\u00fd 10 000 m\u011bs\u00ed\u010dn\u00ed renty.<\/p>\n<p>Tedy na rentu 30 000 m\u011bs\u00ed\u010dn\u011b mus\u00edte vybudovat sv\u016fj majetek cca 10,5 milion\u016f CZK.<\/p>\n<p>Mohou to b\u00fdt pouze finan\u010dn\u00ed aktiva nebo t\u0159eba nemovitosti na pron\u00e1jem, apod.<\/p>\n<h2>A za jak dlouho?<\/h2>\n<p>To u\u017e je tak\u00e9 \u010d\u00e1ste\u010dn\u011b odpov\u011b\u010f na to, za jak dlouho jsem schopn\u00fd dan\u00fd objem majetku vybudovat.<\/p>\n<p>Je to kombinace toho, kolik u\u017e m\u00e1m a kolik mohu m\u011bs\u00ed\u010dn\u011b \/ ro\u010dn\u011b d\u00e1vat stranou na rentu.<\/p>\n<p>Kdy\u017e vezmeme finan\u010dn\u00ed aktiva, tak se ka\u017ed\u00fdch 1 mil. K\u010d majetku, kter\u00fd dnes investujete, za 20 let m\u016f\u017ee zhodnotit na 3 mil. K\u010d. (P\u0159i pr\u016fm\u011brn\u00e9m zhodnocen\u00ed trh\u016f pro vyv\u00e1\u017een\u00e9ho investora.)<\/p>\n<p>Pokud byste nem\u011bl \u017e\u00e1dn\u00fd majetek a investoval pouze 2000 K\u010d m\u011bs\u00ed\u010dn\u011b do ETF, tak i p\u0159i v\u00fdnosu 8-10 % p.a. budete m\u00edt za 20 let majetek ve v\u00fd\u0161i 1,18 a\u017e 1,52 mil. K\u010d.<\/p>\n<p>Tomuto majetku by odpov\u00eddala renta 3400 a\u017e 4400 K\u010d. V\u00fdnos 8-10 % je p\u0159itom v\u00fdnos, kter\u00fd je nomin\u00e1ln\u00ed, tedy nezahrnuje inflaci.<\/p>\n<p>Vezm\u011bme ale p\u0159\u00edklad, jak dos\u00e1hnout nekone\u010dn\u00e9 renty 30 tis\u00edc m\u011bs\u00ed\u010dn\u011b&#8230;.<\/p>\n<p>Pokud m\u00e1 dneska \u010dlov\u011bk p\u00e1r set tis\u00edc v investic\u00edch a ro\u010dn\u011b d\u00e1 stranou cca 240 000 CZK, m\u016f\u017ee m\u00edt nekone\u010dnou rentu 30 000 m\u011bs\u00ed\u010dn\u011b za cca 20 let.<\/p>\n<p>Ide\u00e1ln\u00ed je pro tento z\u00e1kladn\u00ed v\u00fdpo\u010det\u00a0<a href=\"https:\/\/www.efrank.cz\/kalkulacka\/calculate\">kalkula\u010dka zde<\/a>.<\/p>\n<h2>A co d\u00e1l?<\/h2>\n<p>Pokud si odpov\u00edte na tyto z\u00e1kladn\u00ed ot\u00e1zky a vytvo\u0159\u00edte si sv\u00e9 zad\u00e1n\u00ed, tak m\u00e1te nejv\u011bt\u0161\u00ed \u00fakol za sebou. Zn\u00e1te objem majetku, ke kter\u00e9mu byste m\u011bl doj\u00edt a v\u00edte, kdy je to p\u0159ibli\u017en\u011b mo\u017en\u00e9.<\/p>\n<p>Jak nastavit potom spr\u00e1vnou alokaci investic, diverzifikaci a jak\u00e9 konkr\u00e9tn\u00ed ETF vyb\u00edrat &#8211; tedy ji\u017e konkr\u00e9tn\u00ed investi\u010dn\u00ed pl\u00e1n pro Va\u0161e zad\u00e1n\u00ed si m\u016f\u017eete vytvo\u0159it\u00a0t\u0159eba v\u00a0<a href=\"https:\/\/www.investguru.cz\/cs\/trenink\/\">placen\u00e9m kurzu InvestGuru<\/a>.<\/p>\n<p>Po absolvov\u00e1n\u00ed t\u011bchto prvn\u00edch krok\u016f u\u017e budete m\u00edt konkr\u00e9tn\u00ed vizi toho, co d\u011blat a m\u016f\u017eete vyu\u017e\u00edt nap\u0159. obchodn\u00edka, kde ji\u017e dneska ETF nakupujete nebo hledat n\u011bjak\u00e9ho par\u0165\u00e1ka, kter\u00fd V\u00e1m s t\u00edm bude pom\u00e1hat.<\/p>\n<p>My jsme takov\u00fdm digit\u00e1ln\u00edm par\u0165\u00e1kem pro 598 aktivn\u00edch lid\u00ed (k 31. 10. 2022), kte\u0159\u00ed buduj\u00ed sv\u00e9 bohatstv\u00ed, aby jednoho dne mohli \u010derpat nekone\u010dnou rentu a p\u0159edali sv\u00e9 bohatstv\u00ed dal\u0161\u00edm generac\u00edm.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>2 ot\u00e1zky, kter\u00e9 pomohou ka\u017ed\u00e9mu ujasnit si, \u010deho m\u016f\u017ee dos\u00e1hnout a \u010deho nikoliv<\/p>\n","protected":false},"author":6,"featured_media":1888,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_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],"class_list":["post-1885","post","type-post","status-publish","format-standard","has-post-thumbnail","category-clanky","tag-renta","entry"],"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1885","targetHints":{"allow":["GET"]}}],"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\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=1885"}],"version-history":[{"count":6,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1885\/revisions"}],"predecessor-version":[{"id":1911,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/1885\/revisions\/1911"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/1888"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=1885"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=1885"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=1885"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}