{"id":977,"date":"2020-04-30T12:00:53","date_gmt":"2020-04-30T10:00:53","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=977"},"modified":"2020-04-29T19:38:38","modified_gmt":"2020-04-29T17:38:38","slug":"nekonecna-renta-neni-draha","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/nekonecna-renta-neni-draha\/","title":{"rendered":"Nekone\u010dn\u00e1 renta nen\u00ed tak drah\u00e1, jak by se mohlo zd\u00e1t"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/-Sp4avQTzww?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>V\u011bt\u0161ina bank\u00e9\u0159\u016f a poradc\u016f v \u010cR po\u010d\u00edt\u00e1 s konceptem kone\u010dn\u00e9 renty. Ov\u0161em riziko kone\u010dn\u00e9 renty spo\u010d\u00edv\u00e1 v tom, \u017ee bu\u010fto stihnete um\u0159\u00edt d\u0159\u00edv, ne\u017e vy\u010derp\u00e1te pen\u00edze. Anebo se do\u017eijete vysok\u00e9ho po\u017eehnan\u00e9ho v\u011bku, ale od jednoho ur\u010dit\u00e9ho data u\u017e potom budete muset \u017e\u00edt bez pen\u011bz.<\/p>\n<p>Moje jm\u00e9no je Petr Syrov\u00fd a u\u017e 20 let d\u011bl\u00e1m pl\u00e1ny, nebo software na finan\u010dn\u00ed pl\u00e1ny. V\u017edy sou\u010d\u00e1st\u00ed softwaru na finan\u010dn\u00ed pl\u00e1ny je renta. V\u017edy \u0159e\u0161\u00edme ot\u00e1zku, na jak dlouho m\u00e1me \u010derpat rentu.<\/p>\n<p>A po 20let\u00fdch zku\u0161enostech doch\u00e1z\u00edme k tomu, \u017ee je lep\u0161\u00ed \u010derpat rentu nekone\u010dnou. Ne\u017e rentu kone\u010dnou.<\/p>\n<h2>Riziko vy\u010derp\u00e1n\u00ed kapit\u00e1lu<\/h2>\n<p>V\u011bt\u0161ina finan\u010dn\u00edch poradc\u016f, nebo bank\u00e9\u0159\u016f v \u010cR, kdy\u017e mluv\u00ed o rent\u011b u klient\u016f, tak kresl\u00ed takov\u00e9 obr\u00e1cen\u00e9 v\u00e9\u010dko. Takovou st\u0159\u00ed\u0161ku.<\/p>\n<p>\u0158\u00edkaj\u00ed: <em>\u201eNejd\u0159\u00edve budeme pen\u00edze spo\u0159it a kapit\u00e1l kumulovat. Potom ho budeme spot\u0159ebov\u00e1vat. A\u017e do nuly\u201c.<\/em><\/p>\n<p>No a ot\u00e1zka je: KDY m\u00e1 b\u00fdt ten kapit\u00e1l vy\u010derpan\u00fd. <\/p>\n<p>V\u017edycky se mluv\u00ed o tom, budeme rentu vypl\u00e1cet nadosmrti. Ale nikdo nev\u00ed, co to je nadosmrti. Tak se tam mus\u00ed d\u00e1t n\u011bjak\u00e9 konkr\u00e9tn\u00ed \u010d\u00edslo.<\/p>\n<p>V\u011bt\u0161inou se poradci shoduj\u00ed, \u017ee to nen\u00ed pr\u016fm\u011brn\u00fd v\u011bk do\u017eit\u00ed. Ale \u017ee to je tro\u0161ku vy\u0161\u0161\u00ed v\u011bk. <\/p>\n<h3>Chcete \u017e\u00edt d\u00e9le ne\u017e do 85?<\/h3>\n<p>My sami jsme ve finan\u010dn\u00edch pl\u00e1nech v minulosti po\u010d\u00edtali s v\u011bkem 85 let. Co\u017e v\u011bt\u0161in\u011b populace sta\u010d\u00ed. Ale samoz\u0159ejm\u011b nen\u00ed to \u00fapln\u011b pro ka\u017ed\u00e9ho.<\/p>\n<p>Je mnoho lid\u00ed, kte\u0159\u00ed t\u011bch 85 let p\u0159e\u017eij\u00ed. A za\u010dali jsme se dost\u00e1vat do probl\u00e9m\u016f, \u017ee nev\u00edme, na jak dlouho m\u00e1me tu rentu rozpo\u010d\u00edtat.<\/p>\n<p>A v z\u00e1sad\u011b, a\u0165 \u0159ekneme do 85 let, nebo i do 100 let, tak v\u017edycky se pot\u00fdk\u00e1me s probl\u00e9mem: <strong>M\u016f\u017ee to b\u00fdt m\u00e1lo.<\/strong><\/p>\n<p>Proto jsme p\u0159e\u0161li na koncept nekone\u010dn\u00e9 renty. A samotn\u00e9 n\u00e1s p\u0159ekvapilo, \u017ee ta nekone\u010dn\u00e1 renta, nebo kapit\u00e1l pro nekone\u010dnou rentu, nen\u00ed v\u00fdznamn\u011b vy\u0161\u0161\u00ed ne\u017e pro tu rentu kone\u010dnou.<\/p>\n<h2>10 % rozd\u00edl<\/h2>\n<p>S po\u017eadavkem, pro\u010d p\u0159ej\u00edt na nekone\u010dnou rentu z kone\u010dn\u00e9 renty, p\u0159i\u0161el Vladim\u00edr Fichtner. <\/p>\n<p>Setkal se s jedn\u00edm klientem a ten klient \u0159\u00edkal, \u017ee se jeho prarodi\u010de do\u017eili vysok\u00e9ho v\u011bku. Rodi\u010de u\u017e jsou velmi sta\u0159\u00ed a po\u0159\u00e1d v dobr\u00e9 kondici. A \u017ee po\u010d\u00edtat rentu do 85 let je pravd\u011bpodobn\u011b m\u00e1lo.<\/p>\n<p>Tak jsme ud\u011blali anal\u00fdzu a zab\u00fdvali jsme se ot\u00e1zkou, jak velk\u00fd majetek pot\u0159ebujeme k tomu, abychom mohli \u010derpat nekone\u010dnou rentu. Jestli n\u00e1hodou se nestane, \u017ee ten majetek bude enormn\u011b vysok\u00fd, a t\u00edm p\u00e1dem by se ten c\u00edl klient\u016fm v\u00fdznamn\u011b odd\u00e1lil.<\/p>\n<p>No a do\u0161li jsme k tomu, \u017ee majetek pro nekone\u010dnou rentu nen\u00ed o moc vy\u0161\u0161\u00ed ne\u017e pro rentu kone\u010dnou. To znamen\u00e1, \u017ee ten c\u00edl dosa\u017een\u00ed renty je po\u0159\u00e1d re\u00e1ln\u00fd.<\/p>\n<p>Nap\u0159\u00edklad majetek, kter\u00fd pot\u0159ebujeme pro \u010derp\u00e1n\u00ed <strong>40let\u00e9 renty je 31,43 milion\u016f korun<\/strong> (pro vyv\u00e1\u017een\u00fd investi\u010dn\u00ed profil). Pokud bychom cht\u011bli \u010derpat rentu 100 tis\u00edc m\u011bs\u00ed\u010dn\u011b. <\/p>\n<p>No a kdybychom cht\u011bli \u010derpat rentu nekone\u010dn\u011b dlouhou dobu, ve stejn\u00e9 v\u00fd\u0161i, tak se z 31 milion\u016f korun posouv\u00e1me asi na <strong>35,12 milion\u016f korun<\/strong>.<\/p>\n<p>To znamen\u00e1, ten majetek se navy\u0161uje jenom o tro\u0161ku. O n\u011bjak\u00e9 4 miliony, co\u017e je cca n\u011bjak\u00fdch 10 %.<\/p>\n<p>To znamen\u00e1, \u017ee ten c\u00edl je po\u0159\u00e1d stejn\u011b re\u00e1ln\u00fd, ale d\u00edky tomu vy\u0161\u0161\u00edmu majetku m\u00e1me mo\u017enost \u010derpat rentu nekone\u010dn\u011b dlouhou dobu.<\/p>\n<h2>Jak funguje nekone\u010dn\u00e1 renta<\/h2>\n<p>\u010cerp\u00e1n\u00ed nekone\u010dn\u00e9 renty v podstat\u011b znamen\u00e1, \u017ee \u017eijeme jen z v\u00fdnos\u016f z majetku, a ten majetek, ta podstata, z kter\u00e9 se ta renta \u010derp\u00e1, tak ta z\u016fst\u00e1v\u00e1 zachovan\u00e1.<\/p>\n<p>Proto\u017ee po\u010d\u00edt\u00e1me rentu, kter\u00e1 je v re\u00e1ln\u00e9m vyj\u00e1d\u0159en\u00ed, v re\u00e1ln\u00fdch hodnot\u00e1ch, tak ta hodnota majetku se n\u00e1m zhodnocuje zhruba jako inflace. A proto\u017ee ten majetek se zhodnocuje o n\u011bco v\u00edc ne\u017e inflace, tak z n\u011bj je\u0161t\u011b m\u00e1me mo\u017enost \u010derpat rentu.<\/p>\n<p>Hodnota majetku nekles\u00e1 a ten majetek vydr\u017e\u00ed nadosmrti. Ten majetek se potom d\u00e1 odk\u00e1zat n\u011bjak\u00fdm budouc\u00edm generac\u00edm.<\/p>\n<h3>Opravdu to funguje?<\/h3>\n<p>Jak jsme vym\u00fd\u0161leli tu nekone\u010dnou rentu? Pro\u010d \u0159\u00edk\u00e1me, \u017ee ta renta je nekone\u010dn\u00e1?<\/p>\n<p>Pod\u00edvali jsme se na to, co se stalo na trz\u00edch za posledn\u00edch zhruba 100 let. Hledali jsme, jak\u00fdm objem majetku pot\u0159ebujeme k tomu, abychom mohli \u010derpat rentu po dobu 100 let, a to portfolio p\u0159e\u017eilo v\u0161echno, co se na tom trhu stalo:<\/p>\n<ul>\n<li>Velk\u00e9 poklesy akciov\u00e9ho trhu<\/li>\n<li>Vysokou inflaci<\/li>\n<li>N\u00edzk\u00e9 \u00farokov\u00e9 sazby<\/li>\n<li>N\u00edzk\u00e9 v\u00fdnosy dluhopis\u016f<\/li>\n<li>Propady dluhopis\u016f<\/li>\n<\/ul>\n<p>V\u0161echno, co to posledn\u00ed stolet\u00ed p\u0159ineslo. Tak v\u016f\u010di tomu je tohle portfolio imunn\u00ed.<\/p>\n<h3>100% jistota neexistuje<\/h3>\n<p>Samoz\u0159ejm\u011b nem\u00e1me 100% jistotu, \u017ee n\u00e1m nikdy nedojdou pen\u00edze. Proto\u017ee v\u017edycky m\u016f\u017ee p\u0159ij\u00edt n\u011bco, co tady je\u0161t\u011b nebylo.<\/p>\n<p>Tak\u017ee my se sna\u017e\u00edme tomu d\u00e1t co nejv\u011bt\u0161\u00ed jistotu um\u00edme, ale 100% jistotu tomu d\u00e1t nem\u016f\u017eeme. Proto\u017ee ta 100% jistota neexistuje.<\/p>\n<p>Kdy\u017e \u010derp\u00e1me rentu, tak rentu \u010derp\u00e1me z majetku, kter\u00fd je typicky finan\u010dn\u00ed majetek. Akcie a dluhopisy. V n\u011bkter\u00fdch p\u0159\u00edpadech do toho majetku pat\u0159\u00ed je\u0161t\u011b nemovitosti nebo tam pat\u0159\u00ed vlastn\u00ed byznys, vlastn\u00ed podnik\u00e1n\u00ed. Majetek, kter\u00fd generuje n\u011bjak\u00fd p\u0159\u00edjem a ten p\u0159\u00edjem my m\u016f\u017eeme inkasovat.<\/p>\n<h2>V\u00fdhody a nev\u00fdhody nekone\u010dn\u00e9 renty<\/h2>\n<p>Jak\u00e1 je <strong>v\u00fdhoda<\/strong> nekone\u010dn\u00e9 renty oproti kone\u010dn\u00e9 rent\u011b?<\/p>\n<p>U kone\u010dn\u00e9 renty se v\u017edycky pot\u00fdk\u00e1me s ot\u00e1zkou, na jak dlouho ji m\u00e1me rozpl\u00e1novat.<\/p>\n<p>A v\u017edycky tam vis\u00ed takov\u00fd ten otazn\u00ed\u010dek: <em>\u201eNedojdou mi pen\u00edze?\u201c<\/em><\/p>\n<p>V p\u0159\u00edpad\u011b nekone\u010dn\u00e9 renty by n\u00e1m pen\u00edze nem\u011bly doj\u00edt. Je to napl\u00e1nov\u00e1no tak, abychom mohli \u017e\u00edt jenom z v\u00fdnos\u016f. <\/p>\n<p>A p\u0159itom jak\u00e9 to m\u00e1 <strong>nev\u00fdhody<\/strong>, co za to zaplat\u00edme?<\/p>\n<p>No mus\u00edme m\u00edt o n\u011bco m\u00e1lo v\u011bt\u0161\u00ed majetek. Ale ten rozd\u00edl v tom nav\u00fd\u0161en\u00ed majetku, jak u\u017e jsme \u0159\u00edkali, je zhruba n\u011bjak\u00fdch 10 %. <\/p>\n<p>Mysl\u00edme si, \u017ee to je celkem p\u0159ijateln\u00e1 cena za nekone\u010dnou rentu. Odsunout jej\u00ed \u010derp\u00e1n\u00ed o n\u011bjak\u00fd rok dozadu a vybudovat majetek, kter\u00fd je asi tak o jednu desetinu vy\u0161\u0161\u00ed.<\/p>\n<h2>Zku\u0161enosti u\u017e m\u00e1me<\/h2>\n<p>Co j\u00e1 v\u00edm, tak s t\u00edmhle konceptem na trhu nikdo nepracuje. Kdy\u017e se setk\u00e1me s rentou a p\u0159em\u00fd\u0161len\u00edm o rent\u011b, tak se setk\u00e1v\u00e1me s kone\u010dnou rentou. <\/p>\n<p>U n\u00e1s tento koncept maj\u00ed v\u0161ichni na\u0161i klienti. V\u0161ichni na\u0161i renti\u00e9\u0159i, kte\u0159\u00ed \u010derpaj\u00ed rentu, tak pracujeme s rentou nekone\u010dnou. A i u budouc\u00edch renti\u00e9r\u016f, kte\u0159\u00ed teprve sm\u011b\u0159uj\u00ed k rent\u011b, tak i tam sm\u011b\u0159ujeme k nekone\u010dn\u00e9 rent\u011b.<\/p>\n<p>Tak\u017ee jakmile za\u010dneme rentu vypl\u00e1cet, tak ji potom <strong>vypl\u00e1c\u00edme v podstat\u011b napo\u0159\u00e1d<\/strong>.<\/p>\n<p>Pokud p\u0159em\u00fd\u0161l\u00edte o tom, kolik pen\u011bz budete jednoho dne pot\u0159ebovat na rentu, a kdy\u017e p\u0159em\u00fd\u0161l\u00edte o tom, jakou rentu budete cht\u00edt \u010derpat, p\u0159em\u00fd\u0161lejte o nekone\u010dn\u00e9 rent\u011b.<\/p>\n<p>Nekone\u010dn\u00e1 renta nen\u00ed o moc dra\u017e\u0161\u00ed. Nepot\u0159ebujete na n\u00ed o moc v\u011bt\u0161\u00ed majetek. Ale d\u00e1v\u00e1 v\u00e1m v\u011bt\u0161\u00ed mo\u017enosti \u010derp\u00e1n\u00ed. Nem\u00e1te strach, \u017ee pen\u00edze jednoho dne dojdou. Jak n\u011bkdy \u0159\u00edk\u00e1me, \u017ee pak u\u017e mus\u00edte um\u0159\u00edt, anebo budete muset \u017e\u00edt jenom ze st\u00e1tn\u00edho d\u016fchodu.<\/p>\n<p>Pokud se chcete dozv\u011bd\u011bt v\u00edce o nekone\u010dn\u00e9 rent\u011b, tak se p\u0159ihlaste do <a href=\"https:\/\/www.investguru.cz\/cs\/trenink\/?utm_source=investguru&#038;utm_medium=blog&#038;utm_campaign=nekonecna-renta\">4d\u00edln\u00e9ho tr\u00e9ninku InvestGuru<\/a>, kde V\u00e1m spole\u010dn\u011b s Vladim\u00edrem Fichtnerem vysv\u011btl\u00edme, jak nekone\u010dn\u00e1 renta funguje. A \u0159ekneme v\u00e1m tam i daleko v\u00edce v\u011bc\u00ed, kter\u00e9 s tou rentou souvisej\u00ed.<\/p>\n<h2>Jak p\u0159em\u00fd\u0161l\u00edte nad rentou?<\/h3>\n<p>M\u011b by zaj\u00edmalo, jestli p\u0159em\u00fd\u0161l\u00edte nad rentou. A zaj\u00edmalo by m\u011b, jak se v\u00e1m l\u00edb\u00ed koncept nekone\u010dn\u00e9 renty oproti kone\u010dn\u00e9 rent\u011b. <\/p>\n<p>Napi\u0161te mi n\u00ed\u017ee koment\u00e1\u0159 a j\u00e1 si je moc r\u00e1d p\u0159e\u010dtu. P\u0159\u00edpadn\u011b pokud byste k tomu m\u011bli n\u011bjak\u00e9 dotazy, napi\u0161te mi tak\u00e9 n\u00ed\u017ee.<\/p>\n<p>P\u0159eji v\u00e1m v\u0161em, abyste vykro\u010dili na cestu k rent\u011b. A abyste j\u00ed jednoho dne dos\u00e1hli. Na\u0161e zku\u0161enost je takov\u00e1, \u017ee pokud k rent\u011b vykro\u010d\u00edte, opravdu j\u00ed chcete a n\u011bco pro to ud\u011bl\u00e1te, tak dosa\u017een\u00ed renty, a dokonce i nekone\u010dn\u00e9 renty, je pro ka\u017ed\u00e9ho re\u00e1ln\u00e9.<\/p>\n<p>D\u011bkuji v\u00e1m za pozornost, a budu se t\u011b\u0161it u n\u011bjak\u00e9ho dal\u0161\u00edho videa na shledanou.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sta\u010d\u00ed m\u00e1lo a hodnota majetku nemus\u00ed klesat, ale vydr\u017e\u00ed i pro dal\u0161\u00ed generace<\/p>\n","protected":false},"author":6,"featured_media":989,"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":[31],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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