{"id":701,"date":"2019-06-05T23:35:51","date_gmt":"2019-06-05T21:35:51","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=701"},"modified":"2022-04-12T15:01:01","modified_gmt":"2022-04-12T13:01:01","slug":"garance-v-investovani","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/garance-v-investovani\/","title":{"rendered":"Garance je v investov\u00e1n\u00ed magick\u00e9 slovo s pr\u00e1zdn\u00fdm obsahem"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/0WvWlTRMjww?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>P\u0159epis videa<\/h2>\n<p>Pr\u00e1v\u011b nyn\u00ed je d\u016fle\u017eit\u00e9 o garanci hovo\u0159it, proto\u017ee na trhu je \u0159ada produkt\u016f, kter\u00e9 se n\u011bjakou formou garance zaji\u0161\u0165uje. Ale kdy\u017e se na n\u011b pod\u00edv\u00e1te v\u00edce do hloubky, zjist\u00edte, \u017ee ta garance nen\u00ed \u00fapln\u011b to, co byste o\u010dek\u00e1vali.<\/p>\n<p>Moje jm\u00e9no je Tom\u00e1\u0161 Tyl a od roku 2003, kdy se v\u011bnuji financ\u00edm, jsem se setkal s celou \u0159adou p\u0159\u00edpad\u016f, kdy lid\u00e9 kv\u016fli tomu, \u017ee cht\u011bli garanci, p\u0159i\u0161li o velk\u00e9 pen\u00edze.<\/p>\n<p>Jeden z p\u0159\u00edpad\u016f mi hodn\u011b utkv\u011bl v pam\u011bti.\u00a0Proto\u017ee se jednalo o m\u00e9ho kamar\u00e1da Marcela.<\/p>\n<p>P\u0159i\u0161el za mnou v dob\u011b, kdy jsem m\u011bl dopsanou svoj\u00ed knihu <strong>10 zp\u016fsob\u016f jak se (ne)nechat p\u0159ipravit o pen\u00edze<\/strong>, kde jsem se podobn\u00fdm t\u00e9mat\u016fm tak\u00e9 v\u011bnoval. A kdy\u017e jsem mu o n\u00ed \u0159\u00edkal, on mi odpov\u011bd\u011bl: <em>\u201eTo se ti asi nebude l\u00edbit, kam jsem dal svoje pen\u00edze\u201d.<\/em><\/p>\n<h2>Garantovan\u00e9 zhodnocen\u00ed<\/h2>\n<p>Vypr\u00e1v\u011bl mi o sv\u00e9m zn\u00e1m\u00e9m, kter\u00fd se jmenoval Alexandr Dost\u00e1l, kter\u00fd m\u011bl firmu pr\u00e1v\u011b s garantovan\u00fdm zhodnocen\u00edm, kter\u00e9 \u010d\u00edtalo des\u00edtky procent ro\u010dn\u011b. Mysl\u00edm, \u017ee asi 56 % ro\u010dn\u011b bylo to garantovan\u00e9 zhodnocen\u00ed. \u00dadajn\u011b garantovan\u00e9 zhodnocen\u00ed m\u011bl m\u00edt proto, \u017ee p\u016fj\u010doval \u0161v\u00fdcarsk\u00fdm bank\u00e1m s ratingem AAA. Prost\u011b n\u011bjak\u00fd nesmysln\u00fd absurdn\u00ed p\u0159\u00edb\u011bh kolem toho.<\/p>\n<p>Ale \u0159ada lid\u00ed mu v\u011b\u0159ila. \u0158ada lid\u00ed tomu \u010dlov\u011bku sv\u011b\u0159ila pen\u00edze, proto\u017ee sly\u0161ela na garanci, proto\u017ee sly\u0161ela na jistotu &#8211; \u017e\u00e1dn\u00e9 prod\u011blky a ty procenta, ty v\u00fdnosy jim p\u0159i\u0161ly zaj\u00edmav\u00e9. Komu by nep\u0159i\u0161lo zaj\u00edmav\u00e9 56 % ro\u010dn\u011b.<\/p>\n<p>A stejn\u011b tak m\u016fj kamar\u00e1d Marcel, ze kter\u00e9ho postupn\u011b v pr\u016fb\u011bhu rozhovoru vylezlo, \u017ee tam nedal jenom vlastn\u00ed pen\u00edze, ale kdy\u017e je to 56 %, no tak si taky p\u016fj\u010dil. 300.000 na spot\u0159ebitelsk\u00fd \u00fav\u011br. Kde je pouh\u00fdch 10 % \u00farok, tak\u017ee to je samoz\u0159ejm\u011b v\u00fdhodn\u00e9. A taky tam dal v\u0161echny pen\u00edze svoj\u00ed maminky.<\/p>\n<p>J\u00e1 jsem samoz\u0159ejm\u011b Marcelovi \u0159\u00edkal, \u017ee se mi to nezd\u00e1. Na\u0161li jsme v tom p\u0159\u00edb\u011bhu n\u011bjak\u00e9 skuliny. T\u0159eba to, \u017ee by si \u0161v\u00fdcarsk\u00e9 banky p\u016fj\u010dovali od n\u011bjak\u00e9ho nezn\u00e1m\u00e9ho \u010desk\u00e9ho podnikatele. A tak podobn\u011b.<\/p>\n<p>Roze\u0161li jsme se t\u00edm, \u017ee j\u00e1 bych do n\u011b\u010deho podobn\u00e9ho nedoporu\u010doval \u00fapln\u011b pen\u00edze d\u00e1vat, proto\u017ee se velmi pravd\u011bpodobn\u011b m\u016f\u017ee jednat o podvod na b\u00e1zi Ponziho sch\u00e9matu. Pak jsem na to zapomn\u011bl.<\/p>\n<h2>Garance v\u011bzen\u00ed<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-710\" src=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/06\/tt-4-300x169.png\" alt=\"\" width=\"300\" height=\"169\" srcset=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/06\/tt-4-300x169.png 300w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/06\/tt-4-768x432.png 768w, https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/06\/tt-4.png 786w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>A po n\u011bjak\u00e9 dob\u011b jsem otev\u0159el noviny a vid\u00edm fotku n\u011bjak\u00e9ho star\u0161\u00edho p\u00e1na, na kter\u00e9m kle\u010d\u00ed policie a pod t\u00edm titulek: Alexandr Dost\u00e1l vyl\u00e1kal z lid\u00ed 5 miliard korun (postup vy\u0161et\u0159ov\u00e1n\u00ed viz <a href=\"https:\/\/www.novinky.cz\/krimi\/340485-muz-obzalovany-z-podvodu-tvrdi-ze-421-milionu-je-v-bezpeci-nerekl-ale-kde.html\">Novinky.cz<\/a> a dal\u0161\u00ed)<\/p>\n<p>Zatkla ho policie, proto\u017ee se uk\u00e1zalo, \u017ee \u017e\u00e1dn\u00e9 p\u016fj\u010dov\u00e1n\u00ed \u0161v\u00fdcarsk\u00fdm bank\u00e1m neprob\u00edh\u00e1. \u017de ty pen\u00edze pou\u017eil na v\u00fdplatu t\u011bch p\u016fvodn\u00edch investor\u016f. Nebo je n\u011bkam ulil. A \u017e\u00e1dn\u00e9 pen\u00edze v podstat\u011b nejsou.<\/p>\n<p>Co je na tom zaj\u00edmav\u00e9, je, \u017ee n\u011bkte\u0159\u00ed lid\u00e9 si nejsou \u00fapln\u011b ochotni p\u0159iznat por\u00e1\u017eku.<\/p>\n<p>Tak\u017ee kdy\u017e jsem nejprve Marcelovi napsal, jestli se jedn\u00e1 o toho podnikatele, kter\u00e9mu on sv\u011b\u0159il pen\u00edze, tak p\u0159i\u0161la takov\u00e1 zvl\u00e1\u0161tn\u00ed odpov\u011b\u010f. Proto\u017ee kamar\u00e1d Marcel se je\u0161t\u011b dlouhou dobu domn\u00edval, \u017ee Alexandr Dost\u00e1l je ob\u011bt\u00ed policie a spiknut\u00ed. A v\u0161ichni cht\u011bj\u00ed v\u011bd\u011bt, jak investuje ty pen\u00edze s tak zaj\u00edmav\u00fdm v\u00fdnosem.<\/p>\n<p>A a\u017e teprve po ur\u010dit\u00e9 dob\u011b se uk\u00e1zalo, \u017ee opravdu \u017e\u00e1dn\u00e9 pen\u00edze nejsou. A kamar\u00e1d Marcel bohu\u017eel o sv\u00e9 prost\u0159edky v investici p\u0159i\u0161el.<\/p>\n<p>Tak\u017ee posledn\u00ed zpr\u00e1va je, \u017ee on ani dal\u0161\u00ed, kte\u0159\u00ed pen\u00edze investovali, se ke sv\u00fdm prost\u0159edk\u016fm nedostali. Alexandr Dost\u00e1l se dostal do v\u011bzen\u00ed. Ale pen\u00edze, kter\u00e9 sv\u00fdm klient\u016fm prod\u011blal, se nena\u0161ly.<\/p>\n<p>Pro\u010d je to d\u016fle\u017eit\u00e9.<\/p>\n<h2>Garance je vo\u0148av\u00e9 l\u00e1kadlo<\/h2>\n<p>Alexandr Dost\u00e1l ud\u011blal to, co d\u011bl\u00e1 \u0159ada lid\u00ed. Nal\u00e1kal klienty na garanci. Ale ve skute\u010dnosti to, \u017ee n\u011bkde nap\u00ed\u0161ete garance, v\u016fbec neznamen\u00e1, \u017ee m\u00e1te n\u011bjakou jistotu. Proto je to magick\u00e9 slovo, kter\u00e9 pom\u00e1h\u00e1 nal\u00e1kat klienty, ale jeho obsah m\u016f\u017ee b\u00fdt \u00fapln\u011b pr\u00e1zdn\u00fd.<\/p>\n<p>Investo\u0159i cht\u011bj\u00ed garantovan\u00e9 v\u00fdnosy. P\u0159in\u00e1\u0161\u00ed jim ur\u010dit\u00fd pocit jistoty, kter\u00fd se v tom nejist\u00e9m investi\u010dn\u00edm sv\u011bt\u011b zd\u00e1 b\u00fdt d\u016fle\u017eit\u00fd. Ale proto toho \u010dasto vyu\u017e\u00edvaj\u00ed podvodn\u00edci, kte\u0159\u00ed slibuj\u00ed garanci, kter\u00e1 neexistuje.<\/p>\n<p>Nebo jsou tak\u00e9 produkty, kde m\u016f\u017eeme sly\u0161et o n\u011bjak\u00e9 garanci. N\u011bkdo se zaru\u010duje za n\u011bco. Ale ta z\u00e1ruka nebo garance nikdy nen\u00ed absolutn\u00ed.<\/p>\n<h3>\u0160patn\u00e1 zpr\u00e1va je, \u017ee garance v podstat\u011b neexistuje.<\/h3>\n<p>Ten d\u016fvod pro\u010d neexistuje, je, \u017ee je to v\u017edycky jenom slib n\u011bkoho, \u017ee dostoj\u00ed sv\u00fdm z\u00e1vazk\u016fm.<\/p>\n<p>A kdy\u017e n\u011bkdo vyd\u00e1 dluhopisy a \u0159ekne, \u017ee je tam garantovan\u00fd v\u00fdnos. Tak vy ten v\u00fdnos dostanete pouze, pokud ten doty\u010dn\u00fd je ty dluhopisy schopn\u00fd splatit. Pokud zkrachuje, tak to slovo garance nem\u00e1 \u017e\u00e1dnou v\u00e1hu.<\/p>\n<p>Podobn\u011b pokud se n\u011bkdo zaru\u010duje za n\u011bjak\u00e9 p\u016fj\u010dky. Neznamen\u00e1 to, \u017ee automaticky zkrachuje. Ani to, \u017ee ka\u017ed\u00fd, kdo nab\u00edz\u00ed garanci, je podvodn\u00edk nebo m\u00ed\u0159\u00ed ke krachu. Ale je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee i kdy\u017e v\u00e1m n\u011bkdo \u0159\u00edk\u00e1, \u017ee se zaru\u010duje t\u0159eba za n\u011bjak\u00e9 p\u016fj\u010dky, kter\u00e9 v\u00e1m p\u0159in\u00e1\u0161\u00ed n\u011bjak\u00e9 v\u00fdnosy, tak v\u017edycky se m\u016f\u017ee zaru\u010dit, jenom dokud nezkrachuje.<\/p>\n<p>Pakli\u017ee p\u0159ijde t\u0159eba recese, t\u011bch p\u016fj\u010dek se velk\u00e1 \u010d\u00e1st nesplat\u00ed, a doty\u010dn\u00e1 spole\u010dnost nebude schopn\u00e1 ty z\u00e1vazky plnit. To, \u017ee m\u00e1te n\u011bkde naps\u00e1no, \u017ee v\u00e1m bylo n\u011bco garantov\u00e1no nebo zaru\u010deno, v\u00e1m v podstat\u011b nepom\u016f\u017ee. A to je na tom to d\u016fle\u017eit\u00e9.<\/p>\n<h3>Garance je v\u017edycky jenom tak siln\u00e1 jako ten, kdo v\u00e1m d\u00e1v\u00e1 ten slib.<\/h3>\n<p>N\u011bco lep\u0161\u00edho je v p\u0159\u00edpad\u011b st\u00e1tu, proto\u017ee st\u00e1ty m\u00e9n\u011b krachuj\u00ed. V\u011bt\u0161inou se sna\u017e\u00ed \u00fapln\u011b neodrbat vlastn\u00ed ob\u010dany, kdy\u017e u\u017e se dost\u00e1vaj\u00ed do pot\u00ed\u017e\u00ed. Tak\u017ee kdy\u017e m\u00e1te n\u011bkter\u00e9 st\u00e1tem garantovan\u00e9 produkty, tak ta m\u00edra jistoty je tam o n\u011bco vy\u0161\u0161\u00ed. Ale na druhou stranu i krachy i velk\u00e9 probl\u00e9my st\u00e1t\u016f jsou vid\u011bt.<\/p>\n<p>A posledn\u00ed v\u011bc.<\/p>\n<p>I kdy\u017e m\u00e1te garantovanou n\u011bjakou jistou v\u011bc, i kdy\u017e dostanete n\u011bjak\u00fd nomin\u00e1ln\u00ed v\u00fdnos, v\u017edycky je tu je\u0161t\u011b riziko inflace.<\/p>\n<h3>V podstat\u011b neexistuje bezrizikov\u00fd v\u00fdnos.<\/h3>\n<p>Proto\u017ee v\u00e1m na konec nejde o to m\u00edt na \u00fa\u010dtu o n\u011bco v\u00edc pen\u011bz. V\u00e1m jde o to, abyste z t\u011bch pen\u011bz mohli zaplatit to, co pot\u0159ebujete. Mohli jste si splnit sny. Mohli jste \u010derpat rentu. A to m\u016f\u017eete pouze v p\u0159\u00edpad\u011b, \u017ee va\u0161e v\u00fdnosy budou vy\u0161\u0161\u00ed ne\u017e inflace. Nebo \u017ee v\u00e1m ta inflace nerozpust\u00ed ve\u0161ker\u00e9 \u00faspory.<\/p>\n<p>Tak\u017ee m\u016f\u017eete m\u00edt klidn\u011b garantovan\u00fd produkt v prost\u0159ed\u00ed s vysokou inflac\u00ed a v\u00fdsledek je, \u017ee stejn\u011b nebude schopni splnit sv\u00e9 c\u00edle.<\/p>\n<h3>Za garanci se plat\u00ed vysok\u00e1 cena.<\/h3>\n<p>Pokud se nebav\u00edme o garanci vylo\u017een\u011b t\u011bch nere\u00e1ln\u00fdch zisk\u016f u podvodn\u00edk\u016f. V p\u0159\u00edpad\u011b n\u011bjak\u00fdch relevantn\u00edch produkt\u016f, kter\u00e9 maj\u00ed garanci, v\u017edycky se to projevuje na v\u00fdnosu. Celkov\u00fd v\u00fdnos je v\u00fdrazn\u011b ni\u017e\u0161\u00ed ne\u017e u produkt\u016f nebo investi\u010dn\u00edch p\u0159\u00edle\u017eitost\u00ed, kter\u00e9 tu garanci nemaj\u00ed.<\/p>\n<p><strong>P\u0159\u00edklad kde je to vid\u011bt: spo\u0159ic\u00ed \u00fa\u010dty.<\/strong> Tam m\u00e1te tu garanci pom\u011brn\u011b vysokou, proto\u017ee je tam poji\u0161t\u011bn\u00ed vklad\u016f krom\u011b samotn\u00e9 jistoty banky. Ale tak\u00e9 vid\u00edme, \u017ee ty v\u00fdnosy nemohou b\u00fdt nic moc. M\u00e1te tam svoj\u00ed jistotu. M\u00e1te garantov\u00e1no, \u017ee na tom spo\u0159ic\u00edm \u00fa\u010dtu o pen\u00edze nep\u0159ijdete. Ale v\u00fdnosy jsou velmi n\u00edzk\u00e9.<\/p>\n<p>Za jistotu se sv\u00fdm zp\u016fsobem plat\u00ed. A to v\u00e1m samoz\u0159ejm\u011b d\u00e1v\u00e1 hor\u0161\u00ed pozici proti t\u00e9 inflaci.<\/p>\n<h3>Proto my ve <a href=\"https:\/\/www.fichtner.cz\/\" target=\"_blank\" rel=\"noopener noreferrer\">Fichtner s.r.o.<\/a> produkty s garanc\u00ed nevyu\u017e\u00edv\u00e1me.<\/h3>\n<p>V\u011bt\u0161inou se n\u00e1m zdaj\u00ed p\u0159\u00edli\u0161 drah\u00e9 z hlediska dal\u0161\u00edch parametr\u016f a sp\u00ed\u0161e se d\u00edv\u00e1me na to, jak se trhy celkov\u011b dlouhodob\u011b chovaj\u00ed. A m\u00edsto toho, abychom cht\u011bli garanci, se d\u00edv\u00e1me na to, jak dlouhodob\u011b investovat, aby na\u0161i klienti mohli dos\u00e1hnout finan\u010dn\u00ed nez\u00e1vislosti.<\/p>\n<p>Pokud v\u00e1s nezaj\u00edmaj\u00ed jen pr\u00e1zdn\u00e1 slova a marketingov\u00e1 l\u00e1kadla, ale chcete investov\u00e1n\u00ed rozum\u011bt podrobn\u011bji, abyste mohli rozkl\u00ed\u010dovat, co se v\u00e1m sna\u017e\u00ed n\u011bkdo nab\u00eddnout, poj\u010fte se pod\u00edvat na <a href=\"https:\/\/www.investguru.cz\/cs\/trenink\/?utm_source=blog&amp;utm_medium=link&amp;utm_campaign=garance\">video kurz InvestGuru.cz<\/a>, kde se m\u016f\u017ee dozv\u011bd\u011bt o investov\u00e1n\u00ed v\u00edce.<\/p>\n<h3>Jak vy vn\u00edm\u00e1te garanci?<\/h3>\n<p>Je pro v\u00e1s d\u016fle\u017eit\u00e9, aby produkt m\u011bl v sob\u011b n\u011bjakou jistotu? Nebo v\u00e1m o to tolik nejde? Budu r\u00e1d, kdy\u017e mi odpov\u00edte do koment\u00e1\u0159\u016f.<\/p>\n<p>A p\u0159eji v\u00e1m, a\u0165 pen\u00edze ve va\u0161em \u017eivot\u011b mohou b\u00fdt a\u017e na posledn\u00edm m\u00edst\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na trhu je \u0159ada produkt\u016f, kter\u00e9 se zaji\u0161\u0165uj\u00ed garanc\u00ed, ale p\u0159i bli\u017e\u0161\u00edm pohledu to nen\u00ed \u00fapln\u011b to, co byste o\u010dek\u00e1vali.<\/p>\n","protected":false},"author":5,"featured_media":725,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","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":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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