\u010clov\u011bk se st\u00e1le u\u010d\u00ed. \u010casto ze sv\u00fdch chyb. N\u011bkdy je v\u0161ak u\u017e p\u0159\u00edli\u0161 pozd\u011b chybu napravit\u2026<\/p>\n
Proto se dnes pod\u00edv\u00e1me na r\u016fzn\u00e9 f\u00e1ze \u017eivota a na n\u011bkter\u00e9 nejd\u016fle\u017eit\u011bj\u0161\u00ed chyby, kter\u00fdm je dobr\u00e9 se vyhnout.<\/p>\n
Kdybychom nam\u00edsto toho d\u00e1vali pen\u00edze stranou alespo\u0148 p\u00e1r let a pak je nechali pracovat, byli bychom p\u0159ekvapeni v\u00fdsledkem.<\/p>\n
Jak\u00fdm?<\/p>\n
Schv\u00e1ln\u011b: zkuste si tipnout, kdo bude m\u00edt v\u00edce pen\u011bz v 50 letech?<\/p>\n
\u010clov\u011bk, kter\u00fd od sv\u00fdch 25 let d\u00e1v\u00e1 stranou 5 000 K\u010d m\u011bs\u00ed\u010dn\u011b po dobu 7 let a d\u00e1le u\u017e neinvestuje a nech\u00e1 zainvestovan\u00e9 pen\u00edze vyd\u011bl\u00e1vat nebo druh\u00fd \u010dlov\u011bk, kter\u00fd za\u010dne investovat ve 32 letech tak\u00e9 5 000 K\u010d m\u011bs\u00ed\u010dn\u011b a investuje tuto \u010d\u00e1stku a\u017e do sv\u00fdch 50 let, tj. po dobu 18 let?<\/p>\n
Pravda je takov\u00e1, \u017ee v\u00edce pen\u011bz bude m\u00edt ten, kter\u00fd odkl\u00e1dal pen\u00edze jen 7 let, ale za\u010dal d\u0159\u00edve. To dok\u00e1\u017ee slo\u017een\u00e9 \u00faro\u010den\u00ed a pravideln\u00e9 investice.<\/p>\n
P\u0159\u00edklad plat\u00ed, pokud je pr\u016fm\u011brn\u00e9 zhodnocen\u00ed v\u00edce ne\u017e 8,2 % p.a. Nap\u0159\u00edklad p\u0159i zhodnocen\u00ed 10 % p.a., kter\u00e9 odpov\u00edd\u00e1 dlouhodob\u00e9mu pr\u016fm\u011bru akciov\u00fdch trh\u016f (bez n\u00e1klad\u016f a bez dan\u00ed) je rozd\u00edl 600 000 ve prosp\u011bch d\u0159\u00edv\u011bj\u0161\u00edho startu.<\/p>\n
V p\u0159\u00edkladu m\u00e1me na mysli dlouhodob\u00e9ho investora, kter\u00fd investuje pro spln\u011bn\u00ed sv\u00e9 renty. Pokud by byl investor vyv\u00e1\u017een\u00fd, pak by jeho portfolio bylo prvn\u00edch 10 let z 90 % a\u017e 100 % v akciov\u00fdch investic\u00edch. Pr\u016fm\u011brn\u00e1 alokace v akci\u00edch po dobu 25 let je 80 %. Takto slo\u017een\u00e9 portfolio v minulosti dosahovalo v\u00fdnosu vy\u0161\u0161\u00edho ne\u017e 8 % p.a.<\/p>\n
Proto je t\u0159eba s investov\u00e1n\u00edm neot\u00e1let. \u010c\u00edm d\u0159\u00edve za\u010dneme, t\u00edm l\u00e9pe.<\/p>\n
A \u010dasto je utrat\u00edme, proto\u017ee je po\u0159\u00e1d za co. Postupn\u011b ale ji\u017e nen\u00ed co kupovat a n\u00e1m se za\u010d\u00ednaj\u00ed pen\u00edze hromadit na bankovn\u00edm \u00fa\u010dtu. A budoucnost je daleko. D\u016fchod? Pro\u010d na n\u011bj myslet.<\/p>\n
\u201eN\u011bco bych ale asi m\u011bl d\u011blat\u201c, pomysl\u00ed si \u010dlov\u011bk v t\u00e9to f\u00e1zi \u017eivota, \u201etak co takhle zkusit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se spo\u0159\u00edc\u00ed slo\u017ekou. Je tam poji\u0161t\u011bn\u00ed a nav\u00edc spo\u0159en\u00ed. Ide\u00e1ln\u00ed \u0159e\u0161en\u00ed.\u201c<\/p>\n
Bohu\u017eel tento \u010dlov\u011bk nech\u00e1pe, \u017ee toto \u0159e\u0161en\u00ed nep\u0159in\u00e1\u0161\u00ed ani dobr\u00e9 zaji\u0161t\u011bn\u00ed \u2013 je drah\u00e9, ani dobr\u00fd v\u00fdnos \u2013 je n\u00edzk\u00fd.<\/p>\n
M\u00e1 tak \u017eivotn\u00ed pojistku na statis\u00edce korun, kter\u00e1 ale nic ne\u0159e\u0161\u00ed. P\u0159itom za stejn\u00e9 pen\u00edze by mohl m\u00edt rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na miliony.<\/p>\n
Klient\u016fm v t\u00e9to f\u00e1zi \u017eivota tak\u00e9 \u010dasto chyb\u00ed \u00farazov\u00e9 poji\u0161t\u011bn\u00ed. A pokud jej u\u017e maj\u00ed, pak na velmi n\u00edzk\u00e9 pojistn\u00e9 \u010d\u00e1stky.<\/p>\n
P\u0159itom by to u tohoto poji\u0161t\u011bn\u00ed m\u011blo b\u00fdt pr\u00e1v\u011b naopak: maj\u00ed toti\u017e p\u0159ed sebou st\u00e1le dlouhou dobu \u017eivota a v p\u0159\u00edpad\u011b n\u011bjak\u00e9ho \u00farazu by tak museli b\u00fdt na n\u011bkom velmi dlouho z\u00e1visl\u00ed. A to m\u016f\u017ee b\u00fdt hodn\u011b drah\u00e9.<\/p>\n
Dal\u0161\u00ed chybou je p\u0159\u00edli\u0161 vysok\u00e1 \u010d\u00e1stka, kterou lid\u00e9 utr\u00e1cej\u00ed za vlastn\u00ed bydlen\u00ed. \u0158eknou si: \u201eKdy\u017e u\u017e kupujeme, a\u0165 to stoj\u00ed za to!\u201c<\/p>\n
Bez ohledu na dal\u0161\u00ed souvislosti jejich finan\u010dn\u00edho \u017eivota dnes i v budoucnosti. Pokud za vlastn\u00ed bydlen\u00ed utrat\u00edte p\u0159\u00edli\u0161, hypot\u00e9ka v\u00e1s \u201e\u0161krt\u00ed\u201c a to m\u016f\u017ee m\u00edt velmi negativn\u00ed dopad na va\u0161i finan\u010dn\u00ed budoucnost.<\/p>\n
A ji\u017e \u201ev\u0161echno\u201c v\u00edme. Kone\u010dn\u011b za\u010d\u00edn\u00e1me rozum\u011bt i investic\u00edm do akci\u00ed a ji\u017e jim v\u011b\u0159\u00edme. Netu\u0161\u00edme, \u017ee pr\u00e1v\u011b v tomto v\u011bku je t\u0159eba zm\u011bnit strategii.<\/p>\n
Nastoup\u00edme do akci\u00ed naplno a prod\u00e1me je p\u0159i prvn\u00edm velk\u00e9m poklesu. Abychom neztratili v\u00edce. Netu\u0161\u00edme, \u017ee pr\u00e1v\u011b po pades\u00e1tce jsme ji\u017e nam\u00edsto akci\u00ed m\u011bli sp\u00ed\u0161e zvolit dluhopisov\u00e9 investice.<\/p>\n
Pak p\u0159ijde \u0161edes\u00e1tka a my m\u00e1me sice m\u00e1lo pen\u011bz, ale zku\u0161enost\u00ed na rozd\u00e1v\u00e1n\u00ed.<\/p>\n
Tak snad alespo\u0148 na\u0161e d\u011bti budou moud\u0159ej\u0161\u00ed. A pou\u010d\u00ed se z na\u0161ich chyb.<\/p>\n
Ot\u00e1zkou je, jestli jim budeme schopni na\u0161e zku\u0161enosti dob\u0159e p\u0159edat.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u010clov\u011bk se u\u010d\u00ed v ka\u017ed\u00e9 f\u00e1zi sv\u00e9ho \u017eivota.
\n\u010casto ze sv\u00fdch chyb.
\nN\u011bkdy je v\u0161ak u\u017e p\u0159\u00edli\u0161 pozd\u011b chybu napravit\u2026<\/p>\n","protected":false},"author":2,"featured_media":127,"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":[],"class_list":["post-62","post","type-post","status-publish","format-standard","has-post-thumbnail","category-clanky","entry"],"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/62","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\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=62"}],"version-history":[{"count":4,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/62\/revisions"}],"predecessor-version":[{"id":790,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/62\/revisions\/790"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/127"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=62"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=62"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=62"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}