{"id":1908,"date":"2024-01-31T09:04:00","date_gmt":"2024-01-31T08:04:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1908"},"modified":"2024-01-31T09:04:00","modified_gmt":"2024-01-31T08:04:00","slug":"investujte-jako-robot-bez-emoci-a-dlouhodobe","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/investujte-jako-robot-bez-emoci-a-dlouhodobe\/","title":{"rendered":"Investujte jako robot: Bez emoc\u00ed a dlouhodob\u011b"},"content":{"rendered":"\n<p>Pro\u010d finan\u010dn\u00ed trhy kol\u00edsaj\u00ed? Jak na to reagovat a pro\u010d d\u00e1t emoce stranou? Poj\u010fme se pod\u00edvat na efektivn\u00ed a rozumn\u00e9 investi\u010dn\u00ed strategie, kter\u00fdmi m\u016f\u017eete reagovat na d\u011bn\u00ed na trz\u00edch.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co se v \u010dl\u00e1nku do\u010dtete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#h-zhodnoceni-investovaneho-dolaru\">Zhodnocen\u00ed investovan\u00e9ho dolaru<\/a><\/li><li class=\"\"><a href=\"#htoc-co-zp-sobuje-kol-s-n-na-finan-n-ch-trz-ch\">Co zp\u016fsobuje kol\u00eds\u00e1n\u00ed na finan\u010dn\u00edch trz\u00edch<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-efektivn-investi-n-strategie\">Efektivn\u00ed investi\u010dn\u00ed strategie<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-tipy-jak-investovat-s-rozvahou\">Tipy, jak investovat s rozvahou<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-pro-za-t-investovat-co-nejd-ve\">Pro\u010d za\u010d\u00edt investovat co nejd\u0159\u00edve<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<p>Na trhu existuje n\u011bkolik n\u00e1stroj\u016f, kter\u00e9 investor\u016fm slou\u017e\u00ed ke zhodnocen\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. M\u016f\u017eete investovat nap\u0159\u00edklad do <strong>dluhopis\u016f, akci\u00ed, komodit nebo pen\u011b\u017en\u00edch fond\u016f<\/strong>. Ka\u017ed\u00fd z t\u011bchto n\u00e1stroj\u016f m\u00e1 <strong>r\u016fznou m\u00edru kol\u00edsavosti a v\u00fdkonnosti<\/strong>.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-ea07043cfbd9b9f29f0ff24e93a4ee9a\">Jedno pravidlo investov\u00e1n\u00ed plat\u00ed v podstat\u011b univerz\u00e1ln\u011b:<strong> \u010c\u00edm vy\u0161\u0161\u00ed je o\u010dek\u00e1van\u00fd v\u00fdnos, t\u00edm v\u011bt\u0161\u00ed b\u00fdv\u00e1 kol\u00edsavost.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-zhodnoceni-investovaneho-dolaru\"><strong>Zhodnocen\u00ed investovan\u00e9ho dolaru<\/strong><\/h2>\n\n\n\n<p>Pod\u00edvejte se na studii, kter\u00e1 ukazuje, jak by se za 40 let zhodnotil 1 dolar investovan\u00fd v roce 1975:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"657\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Zhodnoceni-1-investovaneho-dolaru.png\" alt=\"Zhodnocen\u00ed 1 investovan\u00e9ho dolaru\" class=\"wp-image-1909\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Zhodnoceni-1-investovaneho-dolaru.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Zhodnoceni-1-investovaneho-dolaru-300x192.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Zhodnoceni-1-investovaneho-dolaru-768x493.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><em>Zdroj: <a href=\"https:\/\/eic.eu\/produkty\/investovanie\">https:\/\/eic.eu\/produkty\/investovanie<\/a><\/em><\/p>\n\n\n\n<p>Nejl\u00e9pe si vedly velk\u00e9 americk\u00e9 spole\u010dnosti, jejich\u017e pr\u016fm\u011brn\u00fd ro\u010dn\u00ed v\u00fdnos \u010dinil 11,3 %. Na obr\u00e1zku ale m\u016f\u017eete vid\u011bt, \u017ee pr\u00e1v\u011b tento index m\u00e1 tak\u00e9 nejvy\u0161\u0161\u00ed kol\u00edsavost.<\/p>\n\n\n\n<p>M\u00e1me tady MSCI World \u2013 sv\u011btov\u00fd akciov\u00fd index, kter\u00fd m\u00e1 od roku 1987 pr\u016fm\u011brnou v\u00fdkonnost 8,25 %. <strong>To ale neznamen\u00e1, \u017ee sv\u011btov\u00e9 akcie rostou ka\u017ed\u00fd rok.<\/strong> V n\u011bkter\u00fdch obdob\u00edch trhy klesaj\u00ed, a to klidn\u011b i n\u011bkolik let, a teprve pot\u00e9 za\u010dnou op\u011bt r\u016fst.<\/p>\n\n\n\n<p>Ani <strong>v\u00fdkonnost nen\u00ed ka\u017ed\u00fd rok stejn\u00e1<\/strong>. Ve skute\u010dnosti se jen m\u00e1lokdy bl\u00ed\u017e\u00ed v\u00fdkonnosti, kter\u00e1 n\u00e1m vyjde po jej\u00edm zpr\u016fm\u011brov\u00e1n\u00ed. Existuj\u00ed roky, kdy trhy klesaj\u00ed, jindy kon\u010d\u00ed na nule a potom mohou za rok r\u016fst a\u017e o 30 %. Proto odborn\u00edci doporu\u010duj\u00ed jako <strong>minim\u00e1ln\u00ed dobu investov\u00e1n\u00ed do akci\u00ed a akciov\u00fdch fond\u016f 7 let<\/strong>.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-d1e2f33b8b0321159faa7ee2dbae9a5c\"><strong>Tip: <\/strong>Vyzkou\u0161ejte na\u0161i <strong><a href=\"https:\/\/www.fingo.cz\/investice\">online kalkula\u010dku investic<\/a><\/strong> a hned budete m\u00edt p\u0159ehled, jak\u00fd potenci\u00e1ln\u00ed v\u00fdnos m\u016f\u017eete o\u010dek\u00e1vat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-co-zp-sobuje-kol-s-n-na-finan-n-ch-trz-ch\"><strong>Co zp\u016fsobuje kol\u00eds\u00e1n\u00ed na finan\u010dn\u00edch trz\u00edch<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-1-v-sledky-firem\">1. <strong>V\u00fdsledky firem<\/strong><\/h3>\n\n\n\n<p>Firmy pravideln\u011b zve\u0159ej\u0148uj\u00ed sv\u00e9 finan\u010dn\u00ed v\u00fdsledky a progn\u00f3zy na dal\u0161\u00ed obdob\u00ed. Pokud jsou v\u00fdsledky lep\u0161\u00ed ne\u017e o\u010dek\u00e1v\u00e1n\u00ed, ceny akci\u00ed obvykle rostou. A naopak \u2013 pokud jsou hor\u0161\u00ed, ceny klesaj\u00ed. Dlouhodob\u011b rostou akciov\u00e9 indexy, proto\u017ee firmy generuj\u00ed tr\u017eby a zisky t\u00edm, \u017ee vyr\u00e1b\u011bj\u00ed produkty a poskytuj\u00ed slu\u017eby.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-2-vyd-v-n-nov-ch-akci\">2. <strong>Vyd\u00e1v\u00e1n\u00ed nov\u00fdch akci\u00ed<\/strong><\/h3>\n\n\n\n<p>Firma m\u016f\u017ee zv\u00fd\u0161it nebo sn\u00ed\u017eit po\u010det sv\u00fdch akci\u00ed na trhu. Pokud firma nakupuje sv\u00e9 vlastn\u00ed akcie zp\u011bt (takzvan\u00fd buyback), m\u016f\u017ee to zv\u00fd\u0161it hodnotu zb\u00fdvaj\u00edc\u00edch akci\u00ed. Naopak, <strong>vyd\u00e1n\u00ed nov\u00fdch akci\u00ed m\u016f\u017ee sn\u00ed\u017eit cenu existuj\u00edc\u00edch akci\u00ed<\/strong>. Pro samotnou firmu m\u016f\u017ee b\u00fdt vyd\u00e1n\u00ed nov\u00fdch akci\u00ed zp\u016fsobem, jak z\u00edskat finance pro expanzi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-3-n-kupy-velk-ch-hr-na-trhu\">3. <strong>N\u00e1kupy velk\u00fdch hr\u00e1\u010d\u016f na trhu<\/strong><\/h3>\n\n\n\n<p>Kdy\u017e velk\u00e9 instituce, jako jsou priv\u00e1tn\u00ed fondy nebo st\u00e1tn\u00ed instituce, ozn\u00e1m\u00ed sv\u00e9 investice do konkr\u00e9tn\u00edch firem, m\u016f\u017ee to ovlivnit ceny akci\u00ed. Toto ozn\u00e1men\u00ed pak m\u016f\u017ee pozitivn\u011b nebo negativn\u011b ovlivnit z\u00e1jem investor\u016f o danou firmu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-4-kr-tkodob-spekulace\">4. <strong>Kr\u00e1tkodob\u00e9 spekulace<\/strong><\/h3>\n\n\n\n<p>Kr\u00e1todob\u00ed spekulanti a daytrade\u0159i dok\u00e1\u017eou ovlivnit kr\u00e1tkodob\u00e9 pohyby cen akci\u00ed t\u00edm, \u017ee s nimi obchoduj\u00ed rychle a na trhu spekuluj\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-5-politick-a-ekonomick-prohl-en\">5. <strong>Politick\u00e1 a ekonomick\u00e1 prohl\u00e1\u0161en\u00ed<\/strong><\/h3>\n\n\n\n<p>Trhy m\u016f\u017eou ovlivnit i prohl\u00e1\u0161en\u00ed politik\u016f, centr\u00e1ln\u00edch bank\u00e9\u0159\u016f a ekonomick\u00e9 zpr\u00e1vy. D\u016fle\u017eit\u00e9 jsou tak\u00e9 zpr\u00e1vy, kter\u00e9 se t\u00fdkaj\u00ed zam\u011bstnanosti, inflace nebo HDP konkr\u00e9tn\u00ed zem\u011b.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-efektivn-investi-n-strategie\"><strong>Efektivn\u00ed investi\u010dn\u00ed strategie<\/strong><\/h2>\n\n\n\n<p>Finan\u010dn\u00ed trhy jsou zkr\u00e1tka neust\u00e1le v pohybu a reaguj\u00ed na r\u016fzn\u00e9 ud\u00e1losti. Pokud nejste profesion\u00e1lov\u00e9, nemus\u00edte se t\u00edm moc zab\u00fdvat.\u00a0Kdy\u017e budete <strong>dlouhodob\u011b d\u011blat rozumn\u00e1 rozhodnut\u00ed<\/strong>, m\u016f\u017eete dos\u00e1hnout lep\u0161\u00edho v\u00fdnosu. Existuj\u00ed toti\u017e r\u016fzn\u00e9 investi\u010dn\u00ed strategie vhodn\u00e9 pro r\u016fzn\u00e9 typy investor\u016f. Jak\u00e9 to jsou?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-pravideln-dokupov-n\"><strong>Pravideln\u00e9 dokupov\u00e1n\u00ed<\/strong><\/h3>\n\n\n\n<p>Pravideln\u00e9 dokupov\u00e1n\u00ed, \u010dasto ozna\u010dovan\u00e9 jako DCA (Dollar-Cost Averaging), je obl\u00edbenou investi\u010dn\u00ed strategi\u00ed.&nbsp;<\/p>\n\n\n\n<p>Jednodu\u0161e si nastav\u00edte pravideln\u00e9 investice a <strong>ka\u017ed\u00fd m\u011bs\u00edc <a href=\"https:\/\/www.fingo.cz\/blog\/vydelejte-na-novorocnim-predsevzeti-staci-usetrene-penize-investovat\/\">investujete stejnou \u010d\u00e1stku<\/a><\/strong> bez ohledu na to, jestli m\u00e1te zam\u011bstn\u00e1n\u00ed, jste na rodi\u010dovsk\u00e9 dovolen\u00e9 nebo se v\u00e1m pr\u00e1v\u011b zv\u00fd\u0161il plat. Sta\u010d\u00ed jedna trval\u00e1 platba, t\u0159eba 5 000 K\u010d, a investice se prov\u00e1d\u011bj\u00ed automaticky.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"443\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Stabilni-investovani-bez-paniky.png\" alt=\"\" class=\"wp-image-1910\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Stabilni-investovani-bez-paniky.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Stabilni-investovani-bez-paniky-300x130.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Stabilni-investovani-bez-paniky-768x332.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>V grafu je vid\u011bt, \u017ee <strong>v roce 2022 do\u0161lo na trz\u00edch k masivn\u00edm pokles\u016fm<\/strong>. Vzorov\u00fd investor ale nezpanika\u0159il a pokra\u010doval v pravideln\u00fdch m\u011bs\u00ed\u010dn\u00edch investic\u00edch. Tato strategie se mu vyplatila, i kdy\u017e trhy n\u011bjakou dobu klesaly. Pokud by sv\u00e9 pen\u00edze po p\u00e1du trh\u016f vybral, byl by ve ztr\u00e1t\u011b.<\/p>\n\n\n\n<p>P\u0159i investov\u00e1n\u00ed je proto d\u016fle\u017eit\u00e9 <strong>potla\u010dit emoce a jednat systematicky<\/strong>. Bu\u010fte jako robot a investujte pravideln\u011b \u2013 bez ohledu na to, co se d\u011bje ve sv\u011bt\u011b a na finan\u010dn\u00edch trz\u00edch. Dlouhodob\u00e1 systematick\u00e1 strategie v\u00e1m m\u016f\u017ee pomoci vyrovnat kr\u00e1tkodob\u00e9 v\u00fdkyvy na trz\u00edch a dos\u00e1hnout lep\u0161\u00edho v\u00fdsledku v dlouhodob\u00e9m horizontu.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-3e41c4fff8780a29cd125247c36f3b03\"><strong>Tip: <\/strong>Pod\u00edvejte se, <a href=\"https:\/\/www.fingo.cz\/blog\/vlastni-bydleni-pro-deti-jak-jim-na-nej-nasetrit\/\"><strong>jak \u0161et\u0159it pen\u00edze pro sv\u00e9 d\u011bti<\/strong><\/a> a kolik budou jednou pot\u0159ebovat na vlastn\u00ed bydlen\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-investice-v-asech-paniky\"><strong>Investice v \u010dasech paniky<\/strong><\/h3>\n\n\n\n<p>Vyu\u017eit\u00ed \u010das\u016f paniky na n\u00e1kup akci\u00ed nebo jin\u00fdch aktiv za zlevn\u011bnou cenu je dal\u0161\u00ed investi\u010dn\u00ed strategi\u00ed.<\/p>\n\n\n\n<p>Tato strategie je zn\u00e1m\u00e1 jako \u201ekupuj za zlevn\u011bnou cenu\u201c<strong> <\/strong>a zahrnuje <strong>investov\u00e1n\u00ed b\u011bhem pokles\u016f na trhu, kdy jsou ceny aktiv ni\u017e\u0161\u00ed<\/strong>. Pokud investujete do kvalitn\u00edch aktiv a m\u00e1te dlouhodob\u00fd investi\u010dn\u00ed horizont, m\u016f\u017ee v\u00e1m tato strategie p\u0159in\u00e9st ovoce.\u00a0<\/p>\n\n\n\n<p>Investov\u00e1n\u00ed b\u011bhem pokles\u016f na trhu ale vy\u017eaduje nervy ze \u017eeleza a odolnost v\u016f\u010di kr\u00e1tkodob\u00fdm v\u00fdkyv\u016fm.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1024\" height=\"541\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Investovani-behem-poklesu-na-trhu.png\" alt=\"\" class=\"wp-image-1911\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Investovani-behem-poklesu-na-trhu.png 1024w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Investovani-behem-poklesu-na-trhu-300x158.png 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2024\/01\/Investovani-behem-poklesu-na-trhu-768x406.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Vzorov\u00fd investor za\u010dal investovat v b\u0159eznu 2021. B\u011bhem poklesu na trhu nejen pokra\u010doval v investov\u00e1n\u00ed, ale dokonce <strong>investoval vy\u0161\u0161\u00ed \u010d\u00e1stky ne\u017e obvykle<\/strong>. V\u00fdsledkem t\u00e9to strategie byl v\u00fdnos +30,28 %.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-783ed61f94f9f1ef408f0382c373960c\"><strong>Tip: <\/strong>V posledn\u00ed dob\u011b jsou mezi investory obl\u00edben\u00e9 <strong>indexov\u00e9 fondy<\/strong>. P\u0159e\u010dt\u011bte si o tom, <a href=\"https:\/\/www.fingo.cz\/blog\/co-jsou-indexove-fondy-a-jake-maji-vyhody\/\">jak\u00e9 maj\u00ed v\u00fdhody<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-tipy-jak-investovat-s-rozvahou\"><strong>Tipy, jak investovat s rozvahou<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-1-sledujte-sv-j-c-l\">1. <strong>Sledujte sv\u016fj c\u00edl<\/strong><\/h3>\n\n\n\n<p>V\u017edy si stanovte sv\u016fj investi\u010dn\u00ed c\u00edl. Pom\u016f\u017ee v\u00e1m to ur\u010dit sm\u011br a <strong>\u00fa\u010del investic, l\u00e9pe pl\u00e1novat a p\u0159izp\u016fsobit svou strategii<\/strong>. Sn\u00ed\u017e\u00edte t\u00edm riziko impulzivn\u00edho rozhodov\u00e1n\u00ed na z\u00e1klad\u011b kr\u00e1tkodob\u00fdch v\u00fdkyv\u016f a naopak zv\u00fd\u0161\u00edte sv\u00e9 \u0161ance na dlouhodobou finan\u010dn\u00ed stabilitu a <strong>\u00fasp\u011bch na poli investic<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-2-dr-te-se-investi-n-ho-horizontu\">2. <strong>Dr\u017ete se investi\u010dn\u00edho horizontu<\/strong><\/h3>\n\n\n\n<p>Nem\u00e1 smysl hodnotit dlouhodobou investici po dvou letech. Je to, jako byste se po dvou m\u011bs\u00edc\u00edch cvi\u010den\u00ed pod\u00edvali do zrcadla, jestli u\u017e vypad\u00e1te jako Arnold Schwarzenegger.<\/p>\n\n\n\n<p>Chcete vid\u011bt v\u00fdnosy z investic po roce nebo dvou? To je v po\u0159\u00e1dku, ale na to existuj\u00ed jin\u00e9 n\u00e1stroje ne\u017e akcie. Investi\u010dn\u00ed horizont by u akci\u00ed m\u011bl b\u00fdt minim\u00e1ln\u011b 7 let.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-3-emoce-stranou\">3. <strong>Emoce stranou<\/strong><\/h3>\n\n\n\n<p>To nejhor\u0161\u00ed, co m\u016f\u017eete ud\u011blat, je nechat se v\u00e9st emocemi a vyb\u00edrat sv\u00e9 investice v dob\u011b, kdy trhy klesaj\u00ed. Hodnota va\u0161ich investic kles\u00e1? Tak co. Nemus\u00edte na to nijak reagovat. M\u016f\u017eete dokonce <strong>investovat v\u00edc ne\u017e obvykle<\/strong>, proto\u017ee akcie jsou v tu chv\u00edli levn\u011bj\u0161\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-4-nenechte-se-rozptylovat\">4. <strong>Nenechte se rozptylovat<\/strong><\/h3>\n\n\n\n<p>P\u0159edstavte si, \u017ee si koup\u00edte auto zna\u010dky Volkswagen a najednou vid\u00edte v\u0161ude kolem sebe jen Volkswageny. Tomu se \u0159\u00edk\u00e1 syndrom \u010derven\u00fdch boti\u010dek.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-d5d83654d35753f2688c2a1c6f64eaf4\"><strong>Co je syndrom \u010derven\u00fdch boti\u010dek?<\/strong> Kr\u00e1lovna si p\u0159\u00e1la \u010derven\u00e9 boty, proto\u017ee je nem\u011bl nikdo jin\u00fd. Kdy\u017e si je nechala vyrobit, zjistila, \u017ee i jin\u00e9 \u017eeny nos\u00ed \u010derven\u00e9 boty.<\/p>\n\n\n\n<p>Stejn\u011b tak m\u016f\u017eete najednou zjistit, \u017ee v\u0161ichni kolem v\u00e1s investuj\u00ed. Pozor, <strong>ne v\u017edy jde o skute\u010dn\u00e9 investov\u00e1n\u00ed<\/strong> a ne v\u017edy je tak \u00fasp\u011b\u0161n\u00e9, jak to na prvn\u00ed pohled vypad\u00e1.<\/p>\n\n\n\n<p>V\u00e1\u0161 zn\u00e1m\u00fd se v\u011bnuje denn\u00edmu obchodov\u00e1n\u00ed s kryptom\u011bnami a l\u00e1k\u00e1 v\u00e1s, abyste to tak\u00e9 zkusili? Pokud st\u00e1le sly\u0161\u00edte jen o tom, jak n\u011bkdo koupil bitcoin za 5 000 dolar\u016f a prodal ho za 50 000 dolar\u016f, sly\u0161eli jste tak\u00e9 o t\u011bch, kte\u0159\u00ed ho koupili za 50 000 dolar\u016f a prodali ho se ztr\u00e1tou? Takov\u00fdch jist\u011b bude tak\u00e9 dost.<\/p>\n\n\n\n<p>Rad\u011bji si vyberte <strong>bezpe\u010dn\u011bj\u0161\u00ed cestu<\/strong>. Existuje obrovsk\u00fd rozd\u00edl mezi t\u00edm, jestli si vyberete n\u011bkolik akci\u00ed, na kter\u00e9 vsad\u00edte, nebo investujete do fondu, kter\u00fd obsahuje <strong>stovky a n\u011bkdy i tis\u00edce akci\u00ed z cel\u00e9ho sv\u011bta<\/strong>. Pokud zkrachuj\u00ed 2 spole\u010dnosti ze 7 000, ani si toho mo\u017en\u00e1 nev\u0161imnete. Pokud byste ale investovali v\u0161echny pen\u00edze jen do t\u011bch 2 firem, p\u0159i\u0161li byste o v\u0161echno.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-5-nakupujte-v-poklesech\">5. <strong>Nakupujte v poklesech<\/strong><\/h3>\n\n\n\n<p>Pokud to v\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed rozpo\u010det dovol\u00ed a m\u00e1te k dispozici odborn\u00edka, kter\u00fd sleduje nejen ekonomick\u00e9 zpr\u00e1vy, ale rozum\u00ed graf\u016fm a m\u00e1 zku\u0161enosti, m\u016f\u017ee v\u00e1m doporu\u010dit, abyste v ur\u010dit\u00fdch poklesech investovali v\u00edce. Jin\u00fdmi slovy, <strong>pokud m\u00e1te kvalitn\u00ed investice, m\u016f\u017eete p\u0159ikupovat b\u011bhem \u010dasu pokles\u016f<\/strong>. T\u00edmto zp\u016fsobem m\u016f\u017eete dos\u00e1hnout je\u0161t\u011b vy\u0161\u0161\u00edch v\u00fdnos\u016f.<\/p>\n\n\n\n<p>Jak u\u017e jsme si \u0159ekli, kr\u00e1tkodob\u011b proch\u00e1zej\u00ed investo\u0159i ob\u010das i hor\u0161\u00edmi obdob\u00edmi, co\u017e je p\u0159irozenou sou\u010d\u00e1st\u00ed trhu. Nap\u0159\u00edklad v roce 2022 se akciov\u00e9 trhy v\u00fdrazn\u011b propadaly. Ale u\u017e v roce 2023 akcie v\u011bt\u0161inu sv\u00fdch ztr\u00e1t smazaly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-pro-za-t-investovat-co-nejd-ve\"><strong>Pro\u010d za\u010d\u00edt investovat co nejd\u0159\u00edve<\/strong><\/h2>\n\n\n\n<p>Na\u0161i rodi\u010de a prarodi\u010de maj\u00ed d\u016fchod ve v\u00fd\u0161i asi 20 000 K\u010d. To jim sta\u010d\u00ed tak akor\u00e1t na bydlen\u00ed a j\u00eddlo. Dok\u00e1\u017eete si p\u0159edstavit, \u017ee jste v d\u016fchodu a r\u00e1di byste si<strong> jeli na dovolenou, ale najednou si ji nem\u016f\u017eete dovolit<\/strong>? Chcete nav\u0161t\u00edvit syna nebo dceru, kte\u0159\u00ed se p\u0159est\u011bhovali do zahrani\u010d\u00ed, ale nem\u00e1te na to pen\u00edze?<\/p>\n\n\n\n<p>A te\u010f si p\u0159edstavte opa\u010dnou situaci. <a href=\"https:\/\/www.fingo.cz\/blog\/sporeni-na-duchod-dejte-prednost-investicim\/\">Dlouhodob\u011b investujete<\/a> a d\u00edky tomu m\u00e1te ka\u017ed\u00fd m\u011bs\u00edc 12 000 K\u010d nav\u00edc. To u\u017e je dost na to, abyste si na\u0161et\u0159ili na letn\u00ed dovolenou nebo si koupili letenky za sv\u00fdmi d\u011btmi. Kter\u00fd sc\u00e9n\u00e1\u0159 se v\u00e1m l\u00edb\u00ed v\u00edc?<\/p>\n\n\n\n<p class=\"has-luminous-vivid-orange-color has-very-light-gray-to-cyan-bluish-gray-gradient-background has-text-color has-background has-link-color wp-elements-34fbaad223b283806cc7478cfee5318d\">Profesion\u00e1ln\u00ed investi\u010dn\u00ed poradce v\u00e1m dok\u00e1\u017ee doporu\u010dit <strong>spr\u00e1vn\u00e9 vyu\u017eit\u00ed r\u016fzn\u00fdch n\u00e1stroj\u016f, aby va\u0161e pen\u00edze generovaly v\u00fdnosy a z\u00e1rove\u0148 byly v bezpe\u010d\u00ed<\/strong>. Pokud budete cht\u00edt s \u010d\u00edmkoli pomoct nebo poradit, nev\u00e1hejte se na n\u00e1s obr\u00e1tit. <a href=\"https:\/\/www.fingo.cz\/kontakty\"><strong>Nechte n\u00e1m na sebe kontakt<\/strong><\/a> a my se v\u00e1m ozveme.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pro\u010d finan\u010dn\u00ed trhy kol\u00edsaj\u00ed? Jak na to reagovat a pro\u010d d\u00e1t emoce stranou? Poj\u010fme se pod\u00edvat na efektivn\u00ed a rozumn\u00e9 investi\u010dn\u00ed strategie, kter\u00fdmi m\u016f\u017eete reagovat na d\u011bn\u00ed na trz\u00edch. Na trhu existuje n\u011bkolik n\u00e1stroj\u016f, kter\u00e9 investor\u016fm slou\u017e\u00ed ke zhodnocen\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. M\u016f\u017eete investovat nap\u0159\u00edklad do dluhopis\u016f, akci\u00ed, komodit nebo pen\u011b\u017en\u00edch fond\u016f. Ka\u017ed\u00fd z t\u011bchto n\u00e1stroj\u016f m\u00e1 r\u016fznou m\u00edru kol\u00edsavosti a v\u00fdkonnosti. Jedno pravidlo investov\u00e1n\u00ed plat\u00ed v podstat\u011b univerz\u00e1ln\u011b: \u010c\u00edm vy\u0161\u0161\u00ed je o\u010dek\u00e1van\u00fd v\u00fdnos, t\u00edm v\u011bt\u0161\u00ed b\u00fdv\u00e1 kol\u00edsavost. Zhodnocen\u00ed investovan\u00e9ho dolaru Pod\u00edvejte se na studii, kter\u00e1 ukazuje, jak by se za 40 let zhodnotil 1 dolar investovan\u00fd v roce 1975: Zdroj: https:\/\/eic.eu\/produkty\/investovanie Nejl\u00e9pe si vedly velk\u00e9 americk\u00e9 spole\u010dnosti, jejich\u017e pr\u016fm\u011brn\u00fd ro\u010dn\u00ed v\u00fdnos \u010dinil 11,3 %. Na obr\u00e1zku ale m\u016f\u017eete vid\u011bt, \u017ee pr\u00e1v\u011b tento index m\u00e1 tak\u00e9 nejvy\u0161\u0161\u00ed kol\u00edsavost. M\u00e1me tady MSCI World \u2013 sv\u011btov\u00fd akciov\u00fd index, kter\u00fd m\u00e1 od roku 1987 pr\u016fm\u011brnou v\u00fdkonnost 8,25 %. To ale neznamen\u00e1, \u017ee sv\u011btov\u00e9 akcie rostou ka\u017ed\u00fd rok. V n\u011bkter\u00fdch obdob\u00edch trhy klesaj\u00ed, a to klidn\u011b i n\u011bkolik let, a teprve pot\u00e9 za\u010dnou op\u011bt r\u016fst. Ani v\u00fdkonnost nen\u00ed ka\u017ed\u00fd rok stejn\u00e1. Ve skute\u010dnosti se jen m\u00e1lokdy bl\u00ed\u017e\u00ed v\u00fdkonnosti, kter\u00e1 n\u00e1m vyjde po jej\u00edm zpr\u016fm\u011brov\u00e1n\u00ed. Existuj\u00ed roky, kdy trhy klesaj\u00ed, jindy kon\u010d\u00ed na nule a potom [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":1917,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[67,37,112],"class_list":["post-1908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","tag-duchod","tag-investovani","tag-pravidelne-investovani"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Investujte jako robot: Bez emoc\u00ed a dlouhodob\u011b - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Pod\u00edvejte se na efektivn\u00ed a rozumn\u00e9 investi\u010dn\u00ed strategie. 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