{"id":739,"date":"2019-08-08T13:26:50","date_gmt":"2019-08-08T11:26:50","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=739"},"modified":"2019-08-08T14:09:46","modified_gmt":"2019-08-08T12:09:46","slug":"co-je-dulezite-pro-dosazeni-financni-nezavislosti","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/","title":{"rendered":"Co je d\u016fle\u017eit\u00e9 pro dosa\u017een\u00ed finan\u010dn\u00ed nez\u00e1vislosti"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/84isD7Q_rrE?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 je jedna z nejd\u016fle\u017eit\u011bj\u0161\u00edch v\u011bc\u00ed, pokud \u010dlov\u011bk chce dos\u00e1hnout sv\u00e9ho pasivn\u00edho p\u0159\u00edjmu? Chce dos\u00e1hnout sv\u00e9 finan\u010dn\u00ed nez\u00e1vislosti?<\/p>\n<p>T\u011bch v\u011bc\u00ed m\u016f\u017ee b\u00fdt samoz\u0159ejm\u011b spousta. Je snadn\u00e9 se v tom utopit. Ale poj\u010fme se pod\u00edvat na to, co je opravdu d\u016fle\u017eit\u00e9.<\/p>\n<p>Ned\u00e1vno jsem si p\u0159ipomn\u011bl jeden v\u00fdzkum, od <a href=\"https:\/\/en.wikipedia.org\/wiki\/Annamaria_Lusardi\" target=\"_blank\" rel=\"noopener noreferrer\">Annamaria Lusardi<\/a>, kter\u00e1 \u0159\u00edk\u00e1, \u017ee jsou 3 jednoduch\u00e9 kroky jak ke sv\u00e9mu pasivn\u00edmu p\u0159\u00edjmu doj\u00edt.<\/p>\n<ol>\n<li>T\u00edm prvn\u00ed krokem je, \u017ee pot\u0159ebujete v\u011bd\u011bt kolik budete jednou pot\u0159ebovat pen\u011bz na to, abyste z nich sv\u016fj p\u0159\u00edjem mohli \u010derpat.<\/li>\n<li>Druh\u00fd, m\u011bjte pl\u00e1n, kter\u00fd v\u00e1m \u0159ekne, jak\u00e9 jsou ty p\u0159esn\u00e9 kroky, jak toho pasivn\u00edho p\u0159\u00edjmu dos\u00e1hnout.<\/li>\n<li>T\u0159et\u00ed, a podle m\u011b nejd\u016fle\u017eit\u011bj\u0161\u00ed v\u011bc a to, o \u010dem se chci dnes bavit: Poj\u010fte ten pl\u00e1n realizovat. Poj\u010fte se pustit do t\u00e9 svoj\u00ed cesty ke sv\u00e9mu pasivn\u00edmu p\u0159\u00edjmu.<\/li>\n<\/ol>\n<p>Jsem Honza Val\u00e1\u0161ek a u n\u00e1s ve Fichtner s.r.o. m\u00e1m na starost rozvoj na\u0161\u00ed digit\u00e1ln\u00ed poradensk\u00e9 platformy, na\u0161eho digit\u00e1ln\u00edho poradce Franka.<\/p>\n<h2>Jako v\u00fdstup na horu<\/h2>\n<p>Zkus\u00edm d\u00e1t p\u0159\u00edklad ze sv\u00e9ho \u017eivota. To m\u00e1te \u00fapln\u011b stejn\u011b jako kdy\u017e t\u0159eba chcete vyl\u00e9zt na Sn\u011b\u017eku.<\/p>\n<p>V\u00edte kam jdete, a v\u00edte do jak\u00e9 v\u00fd\u0161ku zhruba jdete. V\u00edte jestli to fyzicky zvl\u00e1dnete. Ale u\u017e dole v autobuse ne\u0159e\u0161\u00edte, kde p\u0159esn\u011b se m\u00e1te nap\u00edt, kde p\u0159esn\u011b se m\u00e1 \u010dlov\u011bk ob\u010derstvit.<br \/>\nV\u016fbec v\u00e1s netr\u00e1p\u00ed, \u017ee nem\u00e1te ty nejlep\u0161\u00ed profesion\u00e1ln\u00ed lezeck\u00e9 boty. Ani ten nejmodern\u011bj\u0161\u00ed batoh.<\/p>\n<p>V\u00edte, \u017ee chcete vyl\u00e9zt na Sn\u011b\u017eku. V\u00edte, kolik v\u011bc\u00ed zhruba budete pot\u0159ebovat a jak dlouho v\u00e1m to zabere. Prost\u011b jdete a ten vrchol jednou zdol\u00e1te.<\/p>\n<p>N\u011bkomu to trv\u00e1 6 hodin, n\u011bkomu 7 hodin. N\u011bkdo tam p\u0159ijde splaven\u00fd, zpocen\u00fd, n\u011bkdo vyb\u011bhne v pohod\u011b.<\/p>\n<p>Ka\u017ed\u00fd, kdy\u017e v\u00ed zhruba, kam jde, tak tam doraz\u00ed.<\/p>\n<p>M\u011b osobn\u011b to ned\u00e1vno trvalo zhruba 6 hodin. \u0160li jsme ve velk\u00e9m vedru, tak\u017ee ten m\u016fj p\u0159\u00edpad byl, \u017ee jsem tam do\u0161el zpocen\u00fd, splaven\u00fd. Nebylo to jako kamar\u00e1di p\u0159ed ned\u00e1vnem, kte\u0159\u00ed m\u011bli super po\u010das\u00ed.<\/p>\n<p>Ale ten v\u00fdhled jsme si u\u017eili stejn\u011b. Ten v\u00fdhled st\u00e1l za to. Stejn\u011b jako kdy\u017e vy dos\u00e1hnete svoj\u00ed finan\u010dn\u00ed nez\u00e1vislosti.<\/p>\n<h2>Neutopte se v p\u0159\u00edli\u0161n\u00fdch detailech<\/h2>\n<p>Pro lidskou mysl je ob\u010das p\u0159irozen\u00e9 ztratit se v n\u011bjak\u00e9m detailu. Utopit se v n\u011bjak\u00e9 konkr\u00e9tn\u00ed v\u011bci. Ne nadarmo se \u0159\u00edk\u00e1, \u017ee p\u0159es stromy nevid\u00edme les.<\/p>\n<p>J\u00e1 takovou paralelu vid\u00edm v tom, kdy\u017e s na\u0161imi klienty \u0159e\u0161\u00edme v\u011bci typu:<\/p>\n<p>Je lep\u0161\u00ed tento konkr\u00e9tn\u00ed fond, nebo tento konkr\u00e9tn\u00ed fond, kter\u00fd m\u00e1 t\u0159eba o n\u011bjakou desetinu n\u00e1kladovosti m\u00e9n\u011b.<br \/>\n\u010casto \u0159e\u0161\u00edme, jestli by nebylo lep\u0161\u00ed m\u00edt o 5% sv\u00e9ho majetku v\u00edce zainvestov\u00e1no v Americe.<br \/>\nA jestli pro hotovostn\u00ed investici vybrat tento anebo tento spo\u0159\u00edc\u00ed \u00fa\u010det.<\/p>\n<p>Jestli nem\u00edt tro\u0161ku jinou alokaci. Jestli nem\u00edt o p\u00e1r procent v\u00edce akci\u00ed.<\/p>\n<p>To jsou v\u0161echno v\u011bci, kter\u00e9 ne\u0159\u00edk\u00e1m, \u017ee nejsou d\u016fle\u017eit\u00e9 a \u017ee je nem\u00e1me vn\u00edmat, ale jsou to p\u0159esn\u011b ty detaily, ve kter\u00fdch se, z moj\u00ed zku\u0161enosti, \u010dasto m\u016f\u017eete utopit.<br \/>\nA \u010dasto to m\u016f\u017ee b\u00fdt pr\u00e1v\u011b ta p\u0159ek\u00e1\u017eka, kter\u00e1 v\u00e1m zabr\u00e1n\u00ed v tom, abyste se na tu cestu vydali.<\/p>\n<h2>\u010cek\u00e1n\u00ed toti\u017e stoj\u00ed pen\u00edze<\/h2>\n<p>Pro\u010d je d\u016fle\u017eit\u00e9 ne\u0159e\u0161it tyto detaily p\u0159\u00edli\u0161 dlouho a vydat se na tu cestu?<\/p>\n<p>Proto\u017ee t\u0159eba ka\u017ed\u00fd m\u011bs\u00edc \u010dek\u00e1n\u00ed m\u016f\u017ee st\u00e1t p\u0159es 30 tis\u00edc korun. Zkus\u00edm to vysv\u011btlit.<\/p>\n<p>Z na\u0161\u00ed zku\u0161enosti vezmu investici 1 milion korun na 20 let p\u0159i pr\u016fm\u011brn\u00e9m zhodnocen\u00ed 8,5 % p.a. Porovn\u00e1m ji s investic\u00ed na 19 let a 11 m\u011bs\u00edc\u016f, kde je pr\u00e1v\u011b rozd\u00edl jednoho m\u011bs\u00edce.<\/p>\n<p>Tak ten rozd\u00edl v tom v\u00fdsledn\u00e9m zhodnocen\u00ed m\u016f\u017ee b\u00fdt p\u0159es 30 tis\u00edc korun. Konkr\u00e9tn\u011b -33452 K\u010d. To znamen\u00e1, \u017ee to je v\u00fdnos, o kter\u00fd se m\u016f\u017eete ochudit.<\/p>\n<p>T\u00edm, \u017ee zbyte\u010dn\u011b dlouho \u0159e\u0161\u00edte pr\u00e1v\u011b detaily tohoto typu. A nevyd\u00e1te se na tuto cestu co nejd\u0159\u00edv.<\/p>\n<h2>Kdy tedy p\u0159estat ot\u00e1let<\/h2>\n<p>D\u016fle\u017eit\u00e9 je v\u011bd\u011bt kolik budete pot\u0159ebovat, jak\u00fdm zhruba sm\u011brem se m\u00e1te vydat, kolik pen\u011bz m\u00e1te m\u00edt v akci\u00edch, kolik dluhopisech a kolik v hotovosti.<\/p>\n<p>P\u0159\u00edklad zrovna z minul\u00e9ho t\u00fddne. Dneska kdy\u017e nat\u00e1\u010d\u00edme toto video je \u00fater\u00fd 6.8.2019, minul\u00fd p\u00e1tek byly akciov\u00e9 trhy o 6% v\u00fd\u0161e, ne\u017e jsou te\u010f. Tak\u017ee vy m\u016f\u017eete do nekone\u010dna \u0159e\u0161it nap\u0159\u00edklad svoji alokaci, ale uplyne p\u00e1r dn\u00ed a to va\u0161e portfolio m\u016f\u017ee vypadat \u00fapln\u011b jinak.<\/p>\n<p>Tak\u017ee pro m\u011b je v\u017edy d\u016fle\u017eit\u00e9 m\u00edt nastaven\u00fd sv\u016fj z\u00e1kladn\u00ed pl\u00e1n a v\u011bd\u011bt z\u00e1kladn\u00ed kroky, kter\u00e9 podle toho pl\u00e1nu m\u00e1m d\u011blat. Vydat se na tu cestu a zbyte\u010dn\u011b neztr\u00e1cet \u010das.<\/p>\n<p>Samoz\u0159ejm\u011b m\u016f\u017eete nam\u00edtnout, \u017ee pokud se vyd\u00e1te \u00fapln\u011b \u0161patn\u00fdm sm\u011brem, tak p\u0159ijdete o mnohem v\u00edc, ne\u017e v\u00e1s stoj\u00ed \u010das, kdy tyto v\u011bci \u0159e\u0161\u00edte.<\/p>\n<p>Ale z na\u0161\u00ed zku\u0161enosti je opravdu dobr\u00e9 v ur\u010dit\u00fd moment ty v\u011bci zastavit, pustit se do t\u00e9 realizace. Pokud m\u00e1te alespo\u0148 zhruba na\u010drtnut\u00fd sv\u016fj pl\u00e1n. Pokud v\u00edte alespo\u0148 zhruba svoji strategii, kterou se m\u00e1te vydat. V\u00edte, \u017ee nem\u00e1te v tom va\u0161em portfoliu, kter\u00e9 za\u010d\u00edn\u00e1te budovat, produkty kter\u00e9 tam v\u016fbec nepat\u0159\u00ed, ale \u017ee jdete alespo\u0148 spr\u00e1vn\u00fdm sm\u011brem.<\/p>\n<p>Tak to je ta spr\u00e1vn\u00e1 chv\u00edle, kdy se m\u00e1te do t\u00e9 realizace pustit.<\/p>\n<p>Proto\u017ee jak se \u0159\u00edk\u00e1: <em>\u010clov\u011bk m\u00edn\u00ed a \u017eivot m\u011bn\u00ed.<\/em><\/p>\n<p>Uvid\u00edte, \u017ee ty nejv\u011bt\u0161\u00ed obraty v \u017eivot\u011b nakonec p\u0159ijdou od v\u00e1s. Ne od t\u011bch trh\u016f. Ne od t\u011bch konkr\u00e9tn\u00edch produkt\u016f. Ne od t\u011bch konkr\u00e9tn\u00edch investic. Ale budou to pr\u00e1v\u011b ty va\u0161e kroky v \u017eivot\u011b, kter\u00e9 to portfolio budou nejv\u00edc ovliv\u0148ovat a obracet. A proto je pot\u0159eba se na tu cestu vydat co nejd\u0159\u00edv.<\/p>\n<p>Pokud v\u00e1s zaj\u00edm\u00e1 i t\u00e9ma va\u0161\u00ed finan\u010dn\u00ed nez\u00e1vislosti a va\u0161eho pasivn\u00edho p\u0159\u00edjmu, pod\u00edvejte se na <a href=\"https:\/\/www.investguru.cz\/cs\/trenink\/\">tr\u00e9nink Investguru.cz<\/a>, kde najdete na\u0161e tipy a n\u00e1\u0161 syst\u00e9m, jak my na\u0161im klient\u016fm pom\u00e1h\u00e1me dos\u00e1hnout jejich finan\u010dn\u00ed nez\u00e1vislosti.<\/p>\n<h3>Jak jste na tom vy?<\/h3>\n<p>U\u017e realizujete sv\u016fj pl\u00e1n?<br \/>\nNebo jste zat\u00edm ve f\u00e1zi, kdy ho lad\u00edte? Kdy pr\u00e1v\u011b \u0159e\u0161\u00edte v\u011bci, o kter\u00fdch jsme se p\u0159ed chvilkou bavili?<br \/>\nNebo je to pro v\u00e1s t\u00e9ma, kter\u00e9 v\u00e1s zat\u00edm v\u016fbec nezaj\u00edm\u00e1 a v\u016fbec ho ne\u0159e\u0161\u00edte?<\/p>\n<p>Napi\u0161te n\u00e1m to klidn\u011b tady do koment\u00e1\u0159\u016f.<\/p>\n<p>A\u0165 u\u017e jste na tom jakkoliv, a\u0165 u\u017e jste v jak\u00e9koliv f\u00e1zi, p\u0159eji v\u00e1m spoustu zdaru a spoustu investi\u010dn\u00edch \u00fasp\u011bch\u016f.<br \/>\nA jednou se t\u0159eba potk\u00e1me pr\u00e1v\u011b na t\u00e9 Sn\u011b\u017ece.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Je snadn\u00e9 se utopit v tom, co v\u0161echno je t\u0159eba \u0159e\u0161it. Ale poj\u010fme se pod\u00edvat na to, co je opravdu d\u016fle\u017eit\u00e9.<\/p>\n","protected":false},"author":3,"featured_media":0,"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":[7],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Co je d\u016fle\u017eit\u00e9 pro dosa\u017een\u00ed finan\u010dn\u00ed nez\u00e1vislosti - InvestGuru.cz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co je d\u016fle\u017eit\u00e9 pro dosa\u017een\u00ed finan\u010dn\u00ed nez\u00e1vislosti\" \/>\n<meta property=\"og:description\" content=\"Neutopte se v tom, co je pot\u0159eba, ale d\u011blejte to, co je opravdu d\u016fle\u017eit\u00e9.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGuru.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-08-08T11:26:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-08-08T12:09:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/08\/ig-blog-financni-nezavislost-social.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jan Val\u00e1\u0161ek\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jan Val\u00e1\u0161ek\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/\"},\"author\":{\"name\":\"Jan Val\u00e1\u0161ek\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/cbc0ae277284de0d6ca7b9d67381ecf3\"},\"headline\":\"Co je d\u016fle\u017eit\u00e9 pro dosa\u017een\u00ed finan\u010dn\u00ed nez\u00e1vislosti\",\"datePublished\":\"2019-08-08T11:26:50+00:00\",\"dateModified\":\"2019-08-08T12:09:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/\"},\"wordCount\":1321,\"commentCount\":8,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"keywords\":[\"finan\u010dn\u00ed nez\u00e1vislost\"],\"articleSection\":[\"Video tipy\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/co-je-dulezite-pro-dosazeni-financni-nezavislosti\/\",\"name\":\"Co je d\u016fle\u017eit\u00e9 pro dosa\u017een\u00ed finan\u010dn\u00ed nez\u00e1vislosti - 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