{"id":629,"date":"2019-04-04T13:12:09","date_gmt":"2019-04-04T11:12:09","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=629"},"modified":"2019-04-09T16:35:00","modified_gmt":"2019-04-09T14:35:00","slug":"ochrana-portfolia","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/ochrana-portfolia\/","title":{"rendered":"Ochrana investi\u010dn\u00edho portfolia, aby nepadlo v boji"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/dJbi-91Wc60?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/p>\n<h2>P\u0159epis videa<\/h2>\n<p>Co bylo d\u016fle\u017eit\u00e9, kdy\u017e se udatn\u00fd ryt\u00ed\u0159 z\u00fa\u010dastnil souboje?<br \/>\nZmasakrovat protivn\u00edka?<br \/>\nZ\u00edskat ruku kr\u00e1sn\u00e9 d\u00e1my, nebo jej\u00ed srdce, nebo n\u011bco jin\u00e9ho?<\/p>\n<p>D\u016fle\u017eit\u00e9 bylo nechc\u00edpnout. Nezem\u0159\u00edt.<br \/>\nProto\u017ee \u017eivot m\u00e1te jenom jeden.<br \/>\nTo nen\u00ed n\u011bjak\u00e9 loadov\u00e1n\u00ed a saveov\u00e1n\u00ed, jako zn\u00e1te z dne\u0161n\u00edch po\u010d\u00edta\u010dov\u00fdch her.<\/p>\n<p>Proto, ne\u017e mu j\u00ed tam poslal, protivn\u00edkovi, aby mu rozt\u0159\u00edsknul lebku, v\u017edycky si musel pohl\u00eddat, kde je protivn\u00edk\u016fv me\u010d.<br \/>\nAby se na n\u011bj nenap\u00edchnul, musel ho n\u011bjak\u00fdm zp\u016fsobem vykr\u00fdt, pokr\u00fdt se.<br \/>\nTeprve potom mohl za\u00fato\u010dit.<\/p>\n<p><strong>D\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e \u00fatok byla obrana.<\/strong><br \/>\nA podobn\u00e9 je to s portfoliem.<\/p>\n<h3>Co to znamen\u00e1 nenechat svoje portfolio chc\u00edpnout?<\/h3>\n<p>Nesm\u00edte p\u0159ij\u00edt o v\u00fdznamnou \u010d\u00e1st portfolia, nebo dokonce o cel\u00e9 portfolio tak, abyste se z toho u\u017e nevzpamatovali.<br \/>\nAby v\u00e1m ztr\u00e1tu n\u00e1sledn\u00e9 v\u00fdnosy u\u017e nedok\u00e1zaly vyd\u011blat zp\u00e1tky.<br \/>\nTo je to d\u016fle\u017eit\u00e9, na co si u portfolia mus\u00edme d\u00e1vat pozor.<\/p>\n<p>Ve chv\u00edli, kdy va\u0161e portfolio chc\u00edpne, za\u010d\u00edn\u00e1te od znovu.<br \/>\nKdy\u017e se v\u00e1m to stane v pokro\u010dilej\u0161\u00edm v\u011bku, bl\u00edzko va\u0161\u00ed finan\u010dn\u00ed nez\u00e1vislosti, m\u016f\u017ee to b\u00fdt velk\u00fd probl\u00e9m.<br \/>\nU\u017e se v\u00e1m nemus\u00ed nikdy poda\u0159it to vr\u00e1tit.<br \/>\nProto je to d\u016fle\u017eit\u00e9.<\/p>\n<p>To si m\u016f\u017eete myslet, \u017ee m\u00e1te t\u0159eba pen\u00edze na spo\u0159\u00edc\u00edm \u00fa\u010dtu, a m\u00e1te je pokryt\u00e9 proti kles\u00e1n\u00ed akci\u00ed.<br \/>\nM\u00e1te je pokryt\u00e9 v\u016f\u010di krach\u016fm dluhopis\u016f.<br \/>\nA pak p\u0159ijde inflace.<br \/>\nA va\u0161e portfolio znehodnot\u00ed.<\/p>\n<p>Proto je d\u016fle\u017eit\u00e9 p\u0159em\u00fd\u0161let nad v\u0161\u00edm mo\u017en\u00fdm.<br \/>\nKdy\u017e investujete dlouhodob\u011b, m\u016f\u017eete si b\u00fdt jist\u00ed, \u017ee v dlouhodob\u00e9m investov\u00e1n\u00ed v\u00e1s potk\u00e1 ledacos.<br \/>\nCokoliv co jsme za\u017eili a \u0159ada v\u011bc\u00ed, kter\u00e9 jsme je\u0161t\u011b neza\u017eili.<\/p>\n<p>Proto je pot\u0159eba portfolio p\u0159ipravit.<br \/>\nOchr\u00e1nit ho proti \u0159ad\u011b v\u011bc\u00ed, kter\u00e9 ho mohou zab\u00edt.<\/p>\n<h3>Co jsou takov\u00e9 z\u00e1kladn\u00ed v\u011bci, kter\u00e9 mohou portfolio ohrozit?<\/h3>\n<p><strong>M\u016f\u017eete nalet\u011bt podvodn\u00edk\u016fm.<\/strong><br \/>\nD\u00e1t pen\u00edze n\u011bkomu, kdo v\u00e1m slibuje vysok\u00e9 v\u00fdnosy a m\u00edsto toho je zpronev\u011b\u0159\u00ed.<br \/>\nAnebo dokonce to m\u016f\u017ee myslet up\u0159\u00edmn\u011b, myslet si, \u017ee v\u00e1m ty vysok\u00e9 v\u00fdnosy p\u0159inese, a pak o ty pen\u00edze stejn\u011b p\u0159ijde.<\/p>\n<p>Proto s pen\u011bzmi nespekulujte, nehazardujte.<br \/>\nNesv\u011b\u0159ujte je n\u011bkomu, kdo nen\u00ed dostate\u010dn\u011b d\u016fv\u011bryhodn\u00fd, prov\u011b\u0159en\u00fd.<br \/>\nN\u011bkomu, kdo v\u00e1m slibuje vysok\u00e9 zhodnocen\u00ed.<br \/>\nTo je obvykle zn\u00e1mka n\u011bjak\u00e9ho nebezpe\u010d\u00ed.<\/p>\n<p>M\u016f\u017ee se v\u00e1m st\u00e1t, \u017ee se p\u0159\u00edli\u0161 zadlu\u017e\u00edte a dostanete se do <strong>dluhov\u00e9 pasti<\/strong>.<br \/>\nVa\u0161e prost\u0159edky a majetek spot\u0159ebujete na to, abyste se z n\u00ed dostali.<br \/>\nTo je samoz\u0159ejm\u011b tak\u00e9 nebezpe\u010d\u00ed pro portfolio.<\/p>\n<p>Velk\u00fdm nebezpe\u010d\u00edm, kter\u00e9 \u0159ada lid\u00ed podce\u0148uje, a kter\u00e9 mohou v\u00e9st k trval\u00e9mu znehodnocen\u00ed, je pr\u00e1v\u011b <strong>inflace<\/strong>.<br \/>\nInflace m\u00e1 tu nev\u00fdhodu, \u017ee v\u00e1s neust\u00e1le dokola ob\u00edr\u00e1 o pen\u00edze, a ty pen\u00edze nikdy nedostanete zp\u00e1tky.<br \/>\nSice se v\u00e1m mo\u017en\u00e1 zd\u00e1, \u017ee na \u00fa\u010dt\u011b m\u00e1te v\u00edce a v\u00edce, ale re\u00e1ln\u011b si za to m\u00e9n\u011b a m\u00e9n\u011b koup\u00edte.<\/p>\n<p>Dal\u0161\u00edm velk\u00fdm nebezpe\u010d\u00edm je, kdy\u017e <strong>investujete do jednotliv\u00fdch akci\u00ed<\/strong>.<br \/>\nM\u00e1te jenom n\u011bkolik akci\u00ed, ale jednotliv\u00e9 akcie mohou v\u00fdznamn\u011b ztratit na hodnot\u011b.<br \/>\nAnebo \u00fapln\u011b zkrachovat.<br \/>\nKdy\u017e jich m\u00e1te jenom p\u00e1r, to portfolio se m\u016f\u017ee i d\u00edky jedn\u00e9, dv\u011bma akci\u00edm dostat do velk\u00fdch probl\u00e9m\u016f.<\/p>\n<p>Podobn\u00e9 je to s <strong>dluhopisy<\/strong>.<br \/>\nTy jsou te\u010f hodn\u011b obl\u00edben\u00e9.<br \/>\nAle kdy\u017e m\u00e1 n\u011bkdo relativn\u011b koncentrovan\u00e9 portfolio korpor\u00e1tn\u00edch dluhopis\u016f, a kdy\u017e p\u0159ijde t\u0159eba recese, m\u016f\u017ee se st\u00e1t, \u017ee najednou nebudou n\u011bkter\u00e9 dluhopisy splaceny.<br \/>\nV portfoliu pak z\u016fstane v\u011bzet n\u011bjak\u00e1 v\u00fdznamn\u00e1, trval\u00e1 ztr\u00e1ta.<\/p>\n<p>Kdy\u017e plat\u00edte <strong>p\u0159\u00edli\u0161 velk\u00e9 poplatky<\/strong>, i to je nebezpe\u010d\u00ed.<br \/>\nPokud neust\u00e1le dokola plat\u00edte n\u011bjak\u00e9 vysok\u00e9 poplatky, kter\u00e9 v\u00e1m ub\u00edraj\u00ed z portfolia, \u010dasto to b\u00fdvaj\u00ed r\u016fzn\u00e9 p\u0159edplacen\u00e9 poplatky.<br \/>\nTy pak zopakujete znova, proto\u017ee v\u00e1m n\u011bkdo doporu\u010d\u00ed nov\u00fd produkt.<br \/>\nI to m\u016f\u017ee b\u00fdt cesta k tomu, jak portfolio postupn\u011b prohospoda\u0159it.<\/p>\n<p>Anebo t\u0159eba <strong>\u010dast\u00fdm obchodov\u00e1n\u00edm<\/strong>.<br \/>\nTo se tak\u00e9 lidem st\u00e1v\u00e1.<\/p>\n<p>Dal\u0161\u00ed varianta je, \u017ee investujete do diverzifikovan\u00e9ho portfolia, ale p\u0159ijde n\u011bjak\u00fd propad, kter\u00fd je do\u010dasn\u00fd, ne\u017e se zase vyrovn\u00e1, ale vy zpanika\u0159\u00edte, a <strong>p\u0159i do\u010dasn\u00e9m poklesu vyberete<\/strong>.<br \/>\nI to m\u016f\u017ee b\u00fdt zp\u016fsob, jak ztratit trvale \u010d\u00e1st portfolia.<\/p>\n<p>To je jenom n\u011bkolik mo\u017enost\u00ed toho, co se v\u00e1m m\u016f\u017ee st\u00e1t.<\/p>\n<p>Obecn\u011b ochrana b\u00fdv\u00e1 diverzifikace.<br \/>\nRozkl\u00e1dat riziko, nedr\u017eet jenom p\u00e1r akci\u00ed nebo dluhopis\u016f, d\u00e1vat pen\u00edze mezi r\u016fzn\u00e9 t\u0159\u00eddy aktiv, p\u0159em\u00fd\u0161let nad inflac\u00ed a diverzifikovat.<br \/>\nA samoz\u0159ejm\u011b hl\u00eddat sv\u00e9 emoce.<\/p>\n<p>A\u0165 se da\u0159\u00ed. Zdar!<\/p>\n<h3>Jak chr\u00e1n\u00edte sv\u00e9 portfolio, sv\u016fj majetek?<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Pro p\u0159e\u017eit\u00ed na finan\u010dn\u00edm boji\u0161ti je d\u016fle\u017eit\u00fd nejen nabrou\u0161en\u00fd me\u010d, ale hlavn\u011b dobr\u00e9 brn\u011bn\u00ed.<\/p>\n","protected":false},"author":5,"featured_media":637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","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":[4],"tags":[],"class_list":["post-629","post","type-post","status-publish","format-video","has-post-thumbnail","category-video-tipy","post_format-post-format-video","entry"],"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/629","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\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=629"}],"version-history":[{"count":5,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/629\/revisions"}],"predecessor-version":[{"id":638,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/629\/revisions\/638"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/637"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=629"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=629"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=629"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}