{"id":750,"date":"2023-09-14T22:22:06","date_gmt":"2023-09-14T20:22:06","guid":{"rendered":"https:\/\/denikbyznys.cz\/?p=750"},"modified":"2023-09-14T22:22:08","modified_gmt":"2023-09-14T20:22:08","slug":"naucime-vas-investovat-prinasime-navod-krok-za-krokem","status":"publish","type":"post","link":"https:\/\/denikbyznys.cz\/?p=750","title":{"rendered":"Nau\u010d\u00edme v\u00e1s investovat. P\u0159in\u00e1\u0161\u00edme n\u00e1vod krok za krokem"},"content":{"rendered":"\n

Investov\u00e1n\u00ed je vlastn\u011b takov\u00e1 finan\u010dn\u00ed hra. Z\u00e1rove\u0148 je to v\u0161ak tak\u00e9 \u010dasem prov\u011b\u0159en\u00fd zp\u016fsob, jak pom\u011brn\u011b snadno vyd\u011blat pen\u00edze. P\u0159i\u010dem\u017e investovan\u00e9 pen\u00edze pracuj\u00ed za v\u00e1s a vy se \u010dasem m\u016f\u017eete radovat z toho, \u017ee rostou aktiva na va\u0161em bankovn\u00edm kontu. Jestli\u017ee v\u00e1s oblast investov\u00e1n\u00ed l\u00e1k\u00e1, d\u00e1me v\u00e1m jednoduch\u00fd n\u00e1vod, jak za\u010d\u00edt.<\/p>\n\n\n\n

Za\u010d\u00e1tky investov\u00e1n\u00ed<\/h2>\n\n\n\n

Pro investov\u00e1n\u00ed nemus\u00edte m\u00edt desetitis\u00edce na \u00fa\u010dtu, investovat m\u016f\u017ee skute\u010dn\u011b ka\u017ed\u00fd. Zpo\u010d\u00e1tku v\u00e1m posta\u010d\u00ed jen p\u00e1r stovek. Abyste v\u0161ak byli \u00fasp\u011b\u0161n\u00ed, m\u011bli byste m\u00edt jasn\u00fd pl\u00e1n. V za\u010d\u00e1tc\u00edch se v\u00e1m rozhodn\u011b m\u016f\u017ee hodit i n\u011bjak\u00fd kurz nebo webin\u00e1\u0159, p\u0159\u00edpadn\u011b rady zku\u0161en\u011bj\u0161\u00edch p\u0159\u00e1tel \u010di odborn\u00edk\u016f. Av\u0161ak investovat zvl\u00e1dnete hrav\u011b i sami.<\/p>\n\n\n\n

Mus\u00edte v\u0161ak po\u010d\u00edtat s t\u00edm, \u017ee investov\u00e1n\u00ed je poka\u017ed\u00e9 tak trochu vlastn\u011b risk, v\u017edy p\u0159in\u00e1\u0161\u00ed i riziko ztr\u00e1t. Investujeme proto, abychom z\u00edskali v\u00edce pen\u011bz, ale budeme-li to d\u011blat lehkov\u00e1\u017en\u011b a nepromy\u0161len\u011b, m\u016f\u017eeme o spoustu pen\u011bz p\u0159ij\u00edt. Jestli\u017ee v\u0161ak spr\u00e1vn\u011b pochop\u00edme principy investov\u00e1n\u00ed, m\u016f\u017ee to b\u00fdt \u010dasem n\u00e1\u0161 dal\u0161\u00ed pravideln\u00fd p\u0159\u00edjem. A nav\u00edc i pasivn\u00ed, co\u017e je je\u0161t\u011b o kousek p\u0159\u00edjemn\u011bj\u0161\u00ed.<\/p>\n\n\n\n

Investov\u00e1n\u00ed a sebevzd\u011bl\u00e1v\u00e1n\u00ed<\/h2>\n\n\n\n

D\u00e1 se \u0159\u00edci, \u017ee neexistuje \u017e\u00e1dn\u00fd univerz\u00e1ln\u00ed n\u00e1vod na investov\u00e1n\u00ed. Ka\u017ed\u00fd z n\u00e1s m\u00e1 jin\u00e9 priority, jin\u00e9 finan\u010dn\u00ed mo\u017enosti a je ochotn\u00fd podstupovat jin\u00e9 riziko. Mo\u017enosti na\u0161ich investic tak do jist\u00e9 m\u00edry z\u00e1vis\u00ed na na\u0161ich \u017eivotn\u00edch okolnostech i na na\u0161em finan\u010dn\u00edm stavu.<\/p>\n\n\n\n

Prvn\u00ed v\u011bc, kterou je v\u0161ak nezbytn\u00e9 ud\u011blat, jestli\u017ee o investov\u00e1n\u00ed uva\u017eujeme, je rozhodnut\u00ed, jak moc velk\u00e9 riziko jsme ochotn\u00ed podstupovat, jak moc chceme riskovat. M\u011bjte na pam\u011bti, \u017ee investice je jakousi finan\u010dn\u00ed hrou a p\u0159in\u00e1\u0161\u00ed tedy i riziko prohry. N\u011bkdy hodn\u011b velk\u00e9. Jak velk\u00e9 riziko jste ochotni podstoupit? Tuto ot\u00e1zku byste si m\u011bli zodpov\u011bd\u011bt hned mezi prvn\u00edmi.<\/p>\n\n\n\n

Z\u00e1rove\u0148 byste m\u011bli myslet na to, \u017ee v\u017edy investujeme jen pen\u00edze, kter\u00e9 m\u00e1me nav\u00edc, tedy n\u00e1m v m\u011bs\u00ed\u010dn\u00edm rozpo\u010dtu p\u0159eb\u00fdvaj\u00ed. Na investice nen\u00ed rozumn\u00e9 si pen\u00edze p\u016fj\u010dovat. Jednak by se to ani tolik nevypl\u00e1celo, co se v\u00fdd\u011blku t\u00fd\u010de, a v p\u0159\u00edpad\u011b ne\u00fasp\u011bchu byste se pak mohli dostat do velk\u00fdch pot\u00ed\u017e\u00ed. Je proto nutn\u00e9 m\u00edt st\u0159\u00edzliv\u00fd pohled na finance i na p\u0159\u00edpadn\u00e9 hroz\u00edc\u00ed riziko.<\/p>\n\n\n\n

Z\u00e1rove\u0148 s t\u00edm byste se m\u011bli aktivn\u011b zaj\u00edmat o sv\u011bt financ\u00ed. Plat\u00ed jednoduch\u00e1 rovnice: \u010d\u00edm v\u00edce toho budete v\u011bd\u011bt, t\u00edm lep\u0161\u00ed rozhodnut\u00ed m\u016f\u017eete d\u011blat. Studovat zdroje m\u016f\u017eete na internetu, v novin\u00e1ch, v knih\u00e1ch nebo t\u0159eba na p\u0159edn\u00e1\u0161k\u00e1ch. Mo\u017enost\u00ed je nespo\u010det.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Investi\u010dn\u00ed c\u00edle<\/h2>\n\n\n\n

Ne\u017e se pust\u00edte do samotn\u00e9ho investov\u00e1n\u00ed, m\u011bli byste si rovn\u011b\u017e stanovit sv\u00e9 finan\u010dn\u00ed c\u00edle. \u010ceho chcete dos\u00e1hnout?<\/p>\n\n\n\n

Prvn\u00edm c\u00edlem by mohlo b\u00fdt nap\u0159\u00edklad jen zv\u00fd\u0161en\u00ed objemu pen\u011bz na bankovn\u00edm \u00fa\u010dtu. Pozd\u011bji mo\u017en\u00e1 zatou\u017e\u00edte po pravideln\u00e9m a t\u0159eba i pasivn\u00edm p\u0159\u00edjmu. Mezi investi\u010dn\u00ed c\u00edle v\u0161ak m\u016f\u017ee pat\u0159it i n\u00e1kup nemovitosti, spo\u0159en\u00ed na d\u016fchod nebo t\u0159eba na\u0161et\u0159en\u00ed pen\u011bz na \u0161kolu sv\u00fdch d\u011bt\u00ed. Ve\u0161ker\u00e9 tyto finan\u010dn\u00ed c\u00edle se mohou sice v pr\u016fb\u011bhu \u010dasu m\u011bnit, st\u00e1le byste v\u0161ak m\u011bli m\u00edt p\u0159ed sebou n\u011bjak\u00fd c\u00edl, za kter\u00fdm p\u016fjdete.<\/p>\n\n\n\n

Pr\u00e1v\u011b v souvislosti s d\u016fchodovou reformou se \u010dasto hovo\u0159\u00ed i o spo\u0159en\u00ed. Co je v tomto p\u0159\u00edpad\u011b lep\u0161\u00ed: investov\u00e1n\u00ed, nebo spo\u0159en\u00ed? Vezmeme-li v \u00favahu spo\u0159en\u00ed vs. investov\u00e1n\u00ed<\/u><\/a>, jak\u00e9 jsou rozd\u00edly?<\/p>\n\n\n\n

Spo\u0159en\u00ed je vlastn\u011b bezpe\u010dn\u00e9 ulo\u017een\u00ed pen\u011bz. Pochopiteln\u011b tak, aby byly k dispozici ve chv\u00edli, kdy je pot\u0159ebujeme. Nese v\u0161ak s sebou n\u00edzk\u00e9 riziko ztr\u00e1ty jejich hodnoty. Ale ani nejlep\u0161\u00ed spo\u0159ic\u00ed \u00fa\u010det nebo finan\u010dn\u00ed benefity stavebn\u00edho spo\u0159en\u00ed nesta\u010d\u00ed na to, aby hodnotu pen\u011bz srovnaly, obzvl\u00e1\u0161t\u011b p\u0159i vysok\u00e9 inflaci. Tud\u00ed\u017e se va\u0161e \u00faspory v bance znehodnocuj\u00ed.<\/p>\n\n\n\n

Oproti tomu investov\u00e1n\u00edm pen\u00edze neznehodnocujete, m\u00e1te \u0161anci vy\u0161\u0161\u00edch v\u00fdnos\u016f, ale pochopiteln\u011b z\u00e1rove\u0148 za cenu mnohem vy\u0161\u0161\u00edho rizika. V\u00fdsledn\u00e9 rozhodnut\u00ed je tedy v\u00fdhradn\u011b ve va\u0161ich rukou.<\/p>\n\n\n\n

Vyberte si druh investic<\/h2>\n\n\n\n

Ve chv\u00edli, kdy budete m\u00edt jasno v tom, kolik pen\u011bz chcete investovat, a z\u00e1rove\u0148 budete m\u00edt stanoven\u00fd i c\u00edl, je na m\u00edst\u011b za\u010d\u00edt uva\u017eovat o tom, do \u010deho nebo kam budete vlastn\u011b investovat. Mo\u017enost\u00ed je cel\u00e1 \u0159ada.<\/p>\n\n\n\n

Investovat m\u016f\u017eete do akci\u00ed, dluhopis\u016f, ve\u0159ejn\u011b obchodovan\u00fdch fond\u016f (ETF fondy), indexov\u00fdch fond\u016f nebo pod\u00edlov\u00fdch fond\u016f. Mo\u017enost\u00ed je i kryptom\u011bna \u010di digit\u00e1ln\u00ed m\u011bna, mezin\u00e1rodn\u00ed devizov\u00fd trh (Forex) \u010di t\u0159eba takzvan\u00e9 investi\u010dn\u00ed zlato. Zku\u0161en\u00fd investi\u010dn\u00ed makl\u00e9\u0159 nebo finan\u010dn\u00ed poradce v\u00e1m m\u016f\u017ee pomoci s investi\u010dn\u00edmi rozhodnut\u00edmi.<\/p>\n\n\n\n

M\u016f\u017eete spole\u010dn\u011b sledovat va\u0161e portfolio a prov\u00e1d\u011bt v n\u011bm zm\u011bny. Toto je dobr\u00e1 varianta pro za\u010d\u00e1te\u010dn\u00edky, kte\u0159\u00ed investov\u00e1n\u00ed cht\u011bj\u00ed pochopit. A \u010dasem si u\u017e hrav\u011b porad\u00edte sami.<\/p>\n\n\n\n

T\u00e9m\u011b\u0159 nerizikov\u00e9 investice<\/h2>\n\n\n\n

Pro za\u010d\u00e1te\u010dn\u00edky m\u016f\u017ee b\u00fdt zaj\u00edmavou zku\u0161enost\u00ed investov\u00e1n\u00ed do takzvan\u00fdch P2P (peer to peer neboli person-to-person) p\u016fj\u010dek. Jde o p\u016fj\u010dky p\u0159\u00edm\u00fdch investor\u016f lidem, kte\u0159\u00ed si cht\u011bj\u00ed p\u016fj\u010dit. Tyto p\u016fj\u010dky se ozna\u010duj\u00ed tak\u00e9 jako \u201ep\u0159\u00edm\u00e9 \u00fav\u011brov\u00e1n\u00ed\u201c.<\/p>\n\n\n\n

Jde o to, \u017ee investor p\u016fj\u010d\u00ed konkr\u00e9tn\u00edmu \u010dlov\u011bku prost\u0159ednictv\u00edm zprost\u0159edkovatele. V\u011bt\u0161inou se jedn\u00e1 o uzav\u0159en\u00ed p\u016fj\u010dky prost\u0159ednictv\u00edm online platformy. Jde tedy o projev tzv. sd\u00edlen\u00e9 ekonomiky. P2P p\u016fj\u010dky funguj\u00ed efektivn\u011b a propojuj\u00ed popt\u00e1vku a nab\u00eddku, z\u00e1rove\u0148 zaji\u0161\u0165uj\u00ed p\u0159evod pen\u011bz ob\u011bma sm\u011bry. V\u0161e pochopiteln\u011b pln\u011b transparentn\u011b.<\/p>\n\n\n\n

Takov\u00e9 p\u016fj\u010dky se nav\u00edc nab\u00edzej\u00ed v\u011bt\u0161inou za ni\u017e\u0161\u00ed poplatek, ne\u017e by byl bankovn\u00ed \u00fav\u011br \u010di nebankovn\u00ed p\u016fj\u010dka<\/u><\/a>. Chcete-li se v tomto druhu p\u016fj\u010dov\u00e1n\u00ed pen\u011bz st\u00e1t investorem, je to jednoduch\u00e9. Zaregistrujete se, n\u00e1sledn\u011b projdete ov\u011b\u0159ovac\u00edm procesem, po\u0161lete pen\u00edze a nech\u00e1te je, aby vyd\u011bl\u00e1valy za v\u00e1s. Vzhledem k tomu, \u017ee P2P p\u016fj\u010dky mus\u00ed dodr\u017eovat z\u00e1konn\u00e9 podm\u00ednky, tedy prov\u011b\u0159it si klienta a zjistit si jeho bonitu, jsou minim\u00e1ln\u011b rizikov\u00e9. Nevyd\u011bl\u00e1te na nich sice tolik, ale pro za\u010d\u00e1tek je to rozhodn\u011b dobr\u00e1 volba.<\/p>\n","protected":false},"excerpt":{"rendered":"

Investov\u00e1n\u00ed je vlastn\u011b takov\u00e1 finan\u010dn\u00ed hra. Z\u00e1rove\u0148 je to v\u0161ak tak\u00e9 \u010dasem prov\u011b\u0159en\u00fd zp\u016fsob, jak pom\u011brn\u011b snadno vyd\u011blat pen\u00edze. P\u0159i\u010dem\u017e investovan\u00e9 pen\u00edze pracuj\u00ed za v\u00e1s a vy se \u010dasem m\u016f\u017eete radovat z toho, \u017ee rostou aktiva na va\u0161em bankovn\u00edm kontu. Jestli\u017ee v\u00e1s oblast investov\u00e1n\u00ed l\u00e1k\u00e1, d\u00e1me v\u00e1m jednoduch\u00fd n\u00e1vod, jak za\u010d\u00edt. Za\u010d\u00e1tky investov\u00e1n\u00ed Pro investov\u00e1n\u00ed […]<\/p>\n","protected":false},"author":1,"featured_media":752,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[262],"tags":[],"class_list":["post-750","post","type-post","status-publish","format-standard","has-post-thumbnail","category-investice"],"_links":{"self":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/posts\/750","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=750"}],"version-history":[{"count":0,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/posts\/750\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=\/wp\/v2\/media\/752"}],"wp:attachment":[{"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=750"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=750"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/denikbyznys.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=750"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}