Lidsk\u00fd kapit\u00e1l<\/h2>\n
Ka\u017ed\u00fd pracuj\u00edc\u00ed \u010dlov\u011bk m\u00e1 sv\u016fj lidsk\u00fd kapit\u00e1l. To je hodnota jeho budouc\u00edch p\u0159\u00edjm\u016f<\/strong>.<\/p>\n Pokud je \u010dlov\u011bk\u00a0mlad\u00fd a m\u00e1 p\u0159ed sebou hodn\u011b let, kter\u00e9 str\u00e1v\u00ed prac\u00ed, je jeho lidsk\u00fd kapit\u00e1l nejv\u011bt\u0161\u00ed.<\/p>\n S p\u0159ib\u00fdvaj\u00edc\u00edm\u00a0v\u011bkem se zkracuje doba, kterou str\u00e1v\u00edme v pr\u00e1ci a lidsk\u00fd kapit\u00e1l tak postupn\u011b kles\u00e1. V d\u016fchodu u\u017e je\u00a0lidsk\u00fd kapit\u00e1l nulov\u00fd.<\/p>\n Postupnou ztr\u00e1tu lidsk\u00e9ho kapit\u00e1lu bychom m\u011bli vyva\u017eovat r\u016fstem jin\u00e9ho kapit\u00e1lu.<\/p>\n Finan\u010dn\u00ed kapit\u00e1l je majetek, kter\u00fd \u010dlov\u011bk za sv\u016fj \u017eivot nashrom\u00e1\u017edil. Samoz\u0159ejm\u011b ho nem\u00e1 ka\u017ed\u00fd. Buduje se postupn\u011b a ne v\u0161ichni se do toho budov\u00e1n\u00ed pust\u00ed.<\/p>\n Na po\u010d\u00e1tku b\u00fdv\u00e1 finan\u010dn\u00ed kapit\u00e1l nulov\u00fd, nebo velmi mal\u00fd a s p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem roste. Pokud odkl\u00e1d\u00e1me pen\u00edze stranou nebo t\u0159eba jen spl\u00e1c\u00edme hypot\u00e9ku.<\/p>\n Lidsk\u00fd kapit\u00e1l je z na\u0161eho \u00fahlu pohledu bl\u00edzk\u00fd dluhopisov\u00fdm investic\u00edm.<\/p>\n Ka\u017ed\u00fd m\u011bs\u00edc dost\u00e1v\u00e1me v\u00fdplatu. To je velmi podobn\u00e9 pravideln\u00e9 platb\u011b \u201edluhopisov\u00e9ho kup\u00f3nu\u201c. V\u00fd\u0161e platby nen\u00ed samoz\u0159ejm\u011b na 100 % jist\u00e1, ob\u010das se\u00a0m\u016f\u017ee zm\u011bnit jej\u00ed v\u00fd\u0161e, ob\u010das m\u016f\u017ee platba vypadnout.<\/p>\n V mlad\u00e9m v\u011bku, v prvn\u00ed t\u0159etin\u011b nebo polovin\u011b kari\u00e9ry, m\u00e1me mal\u00fd pod\u00edl finan\u010dn\u00edho kapit\u00e1lu a\u00a0velk\u00fd pod\u00edl lidsk\u00e9ho kapit\u00e1lu.<\/p>\n Lze tedy jen doporu\u010dit dopln\u011bn\u00ed \u201edluhopisov\u00e9ho kuponu\u201c lidsk\u00e9ho\u00a0kapit\u00e1lu \u201eakciovou strategi\u00ed\u201c kapit\u00e1lu finan\u010dn\u00edho.<\/p>\n Finan\u010dn\u00ed kapit\u00e1l, kter\u00fd investov\u00e1n v akciov\u00fdch\u00a0strategi\u00edch, p\u0159in\u00e1\u0161\u00ed v ran\u00e9 f\u00e1zi profesn\u00edho \u017eivota relativn\u011b mal\u00e9 riziko do cel\u00e9ho \u201eportfolia\u201c \u2013 tohoto\u00a0kapit\u00e1lu je toti\u017e objemov\u011b pom\u011brn\u011b m\u00e1lo.<\/p>\n Nejv\u011bt\u0161\u00ed riziko m\u00e1me v na\u0161em lidsk\u00e9m kapit\u00e1lu. Proto\u00a0bychom se v t\u00e9to f\u00e1zi \u017eivota m\u011bli v\u00edce poji\u0161\u0165ovat.<\/p>\n Ten, kdo m\u00e1 rentu je\u0161t\u011b daleko p\u0159ed sebou<\/strong> a finan\u010dn\u00ed kapit\u00e1l mus\u00ed teprve vytvo\u0159it, m\u016f\u017ee m\u00edt vy\u0161\u0161\u00ed\u00a0pod\u00edl akci\u00ed. Nejsou pro n\u011bho tolik rizikov\u00e9.<\/p>\n Investice do akci\u00ed n\u00e1m z\u00e1rove\u0148 m\u016f\u017ee p\u0159in\u00e9st dlouhodob\u011b\u00a0daleko v\u011bt\u0161\u00ed v\u00fdnosy a m\u016f\u017ee n\u00e1m pomoci finan\u010dn\u00ed kapit\u00e1l vybudovat.<\/p>\n V posledn\u00ed polovin\u011b nebo t\u0159etin\u011b na\u0161\u00ed pracovn\u00ed kari\u00e9ry<\/strong>, kdy\u017e u\u017e m\u00e1me velk\u00fd pod\u00edl finan\u010dn\u00edho kapit\u00e1lu,\u00a0je velmi rizikov\u00e9 m\u00edt vysok\u00fd pod\u00edl akci\u00ed. Akciov\u00e9 investice maj\u00ed u\u017e m\u00e1lo \u010dasu.<\/p>\n Nav\u00edc nem\u00e1me dostatek\u00a0lidsk\u00e9ho kapit\u00e1lu, kter\u00fd by mohl ten finan\u010dn\u00ed doplnit. Proto renti\u00e9\u0159i a ti, kte\u0159\u00ed se k rent\u011b bl\u00ed\u017e\u00ed, mus\u00ed\u00a0investovat obez\u0159etn\u011bji. Jejich portfolio by m\u011blo zpravidla obsahovat 30 % a\u017e 50 % akciov\u00fdch\u00a0strategi\u00ed.<\/p>\n Zjednodu\u0161en\u011b proto, \u017ee to je osv\u011bd\u010den\u00e1 alokace, kterou vyu\u017e\u00edv\u00e1 v\u011bt\u0161ina bohat\u00fdch lid\u00ed na\u00a0sv\u011bt\u011b. To je vid\u011bt z dal\u0161\u00edho p\u0159ilo\u017een\u00e9ho grafu. Pro\u010d tomu tak je, je ale t\u00e9ma na dal\u0161\u00ed \u010dl\u00e1nek n\u011bkdy\u00a0v budoucnosti.<\/p>\n Investov\u00e1n\u00ed a \u010das, v\u011bk, spolu velmi \u00fazce souvis\u00ed. To, jak by m\u011bl spravovat sv\u016fj lidsk\u00fd i finan\u010dn\u00ed kapit\u00e1l \u010dlov\u011bk ve sv\u00fdch 30, je radik\u00e1ln\u011b odli\u0161n\u00e9 od toho, co by m\u011bl d\u011blat v 50 nebo 60.<\/p>\n Jestli se chcete pod\u00edvat na to, jak sv\u016fj lidsk\u00fd i finan\u010dn\u00ed kapit\u00e1l vyu\u017e\u00edt, pod\u00edvejte se na\u00a04 d\u00edln\u00fd tr\u00e9nink, jak investovat dlouhodob\u011b a bezpe\u010dn\u011b<\/a> d\u00edky unik\u00e1tn\u00edm diverzifika\u010dn\u00edm princip\u016fm. Klikn\u011bte a z\u00edskejte p\u0159\u00edstup zdarma.<\/a><\/p>\n Diverzifikace chr\u00e1n\u00ed v\u00e1\u0161 majetek a va\u0161e aktiva a je\u0161t\u011b n\u011bco dal\u0161\u00edho…<\/p>\n","protected":false},"author":6,"featured_media":560,"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":[16],"yoast_head":"\nFinan\u010dn\u00ed kapit\u00e1l<\/h2>\n
![\"\"](\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/02\/vyvoj-hodnoty-kapitalu.png\")
<\/p>\nV\u00fdplata a dluhopisy?!<\/h2>\n
Dopln\u011bn\u00ed finan\u010dn\u00edho kapit\u00e1lu<\/h2>\n
Diverzifikace v \u010dase<\/h2>\n
![\"\"](\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/02\/graf.png\")
Jak se d\u00edv\u00e1te na lidsk\u00fd a finan\u010dn\u00ed kapit\u00e1l?<\/h3>\n","protected":false},"excerpt":{"rendered":"