{"id":2402,"date":"2026-08-03T10:22:49","date_gmt":"2026-08-03T09:22:49","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2402"},"modified":"2026-08-03T10:27:05","modified_gmt":"2026-08-03T09:27:05","slug":"investovani-nejcastejsi-myty","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/investovani-nejcastejsi-myty\/","title":{"rendered":"10 nej\u010dast\u011bj\u0161\u00edch m\u00fdt\u016f o investov\u00e1n\u00ed: Pro\u010d kv\u016fli nim p\u0159ich\u00e1z\u00edte o pen\u00edze?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Mo\u017en\u00e1 jste to u\u017e tak\u00e9 n\u011bkdy sly\u0161eli, nej\u010dast\u011bji z\u00a0rodinn\u00fdch kruh\u016f, bl\u00edzk\u00fdch p\u0159\u00e1tel nebo kamar\u00e1d\u016f. N\u00e1zory typu: <em>\u201eInvestov\u00e1n\u00ed? To je jen pro bohat\u00e9.\u201c<\/em> Nebo: <em>\u201eKamar\u00e1d tam dal pen\u00edze a o v\u0161echno p\u0159i\u0161el, je to jako ruleta.\u201c <\/em>P\u0159esn\u011b takto vznikaj\u00ed m\u00fdty a obavy o investovan\u00ed. <strong>Odr\u00e1\u017eej\u00ed tyto n\u00e1zory re\u00e1ln\u00e1 data, nebo jsou jen v\u00fdsledkem strachu a \u0161patn\u00fdch zku\u0161enost\u00ed?<\/strong> V n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch si v tom ud\u011bl\u00e1me jasno.<\/p>\n\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\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=\"#htoc-1-investov-n-je-jen-pro-bohat\">1. M\u00fdtus: Investov\u00e1n\u00ed je jen pro bohat\u00e9<\/a><\/li><li class=\"\"><a href=\"#htoc-2-investice-p-in-ej-rychl-zisky\">2. M\u00fdtus: Investov\u00e1n\u00ed je hazard a kasino<\/a><\/li><li class=\"\"><a href=\"#htoc-3-investov-n-je-p-li-rizikov\">3. M\u00fdtus: Mus\u00edm \u010dekat na spr\u00e1vn\u00fd \u010das<\/a><\/li><li class=\"\"><a href=\"#htoc-4-mus-te-b-t-finan-n-expert\">4. M\u00fdtus: Nemovitost je jedin\u00e1 bezpe\u010dn\u00e1 investice<\/a><\/li><li class=\"\"><a href=\"#htoc-5-akcie-jsou-jen-pro-odv-n\">5. M\u00fdtus: Kdy\u017e trhy klesaj\u00ed, p\u0159ich\u00e1z\u00edm o pen\u00edze<\/a><\/li><li class=\"\"><a href=\"#htoc-6-investov-n-je-jen-o-burze\">6. M\u00fdtus: Pen\u00edze na spo\u0159ic\u00edm \u00fa\u010dtu jsou v bezpe\u010d\u00ed<\/a><\/li><li class=\"\"><a href=\"#htoc-7-mlad-by-nem-li-investovat\">7. M\u00fdtus: Mus\u00edm denn\u011b sledovat grafy a zpr\u00e1vy<\/a><\/li><li class=\"\"><a href=\"#htoc-8-bez-zku-enost-to-nem-smysl\">8. M\u00fdtus: Mus\u00edm b\u00fdt finann\u010d\u00ed expert<\/a><\/li><li class=\"\"><a href=\"#htoc-9-investice-pot-ebuj-velk-stky\">9. M\u00fdtus: Poplatky a dan\u011b m\u011b p\u0159iprav\u00ed o ve\u0161ker\u00fd zisk<\/a><\/li><li class=\"\"><a href=\"#htoc-10-pen-ze-budou-dlouho-nedostupn\">10. M\u00fdtus: Na investov\u00e1n\u00ed u\u017e jsem moc star\u00fd (nebo moc mlad\u00fd)<\/a><\/li><li class=\"\"><a href=\"#htoc-jak-investovat-jednodu-e-a-efektivn\">Rada seniorn\u00edho specialisty na z\u00e1v\u011br:<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Poj\u010fme si spole\u010dn\u011b posv\u00edtit na <strong>10 nej\u010dast\u011bj\u0161\u00edch m\u00fdt\u016f o investov\u00e1n\u00ed<\/strong> a uk\u00e1zat si, jak realita vypad\u00e1 doopravdy.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\"><em>\u201eJako investi\u010dn\u00ed specialista se s t\u011bmito tvrzen\u00edmi potk\u00e1v\u00e1m dnes a denn\u011b. Sv\u011bt financ\u00ed je bohu\u017eel op\u0159eden spoustou m\u00fdt\u016f, kter\u00e9 v lidech vyvol\u00e1vaj\u00ed strach. A v\u00fdsledek? Pen\u00edze nech\u00e1vaj\u00ed le\u017eet na b\u011b\u017en\u00fdch \u00fa\u010dtech nebo spo\u0159\u00edc\u00edch, kde je pomalu, ale jist\u011b po\u017e\u00edr\u00e1 inflace,&#8220;<\/em> zmi\u0148uje David Paco\u0148, specialista na investice a DPS FinGO.<\/p>\n\n\n\n<h2 id=\"htoc-1-investov-n-je-jen-pro-bohat\" class=\"wp-block-heading\"><strong>1. M\u00fdtus: Invest<\/strong>ov\u00e1n\u00ed je jen pro bohat\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-1-investov-n-je-jen-pro-bohat\">Doby, kdy byl akciov\u00fd trh vyhrazen p\u00e1n\u016fm v cylindrech, jsou d\u00e1vno pry\u010d. Dnes m\u016f\u017eete za\u010d\u00edt investovat doslova s <strong>p\u00e1r stovkami m\u011bs\u00ed\u010dn\u011b<\/strong> (nap\u0159. od 200 K\u010d). Kl\u00ed\u010dem k \u00fasp\u011bchu toti\u017e nen\u00ed jednor\u00e1zov\u00fd bal\u00edk pen\u011bz, ale <strong>pravidelnost a dostate\u010dn\u011b dlouho \u010dasov\u00fd horizont<\/strong>. I mal\u00e1 \u010d\u00e1stka investovan\u00e1 ka\u017ed\u00fd m\u011bs\u00edc dok\u00e1\u017ee d\u00edky <strong>efektu slo\u017een\u00e9ho \u00faro\u010den\u00ed<\/strong> po letech vytvo\u0159it p\u0159ekvapiv\u011b velk\u00fd majetek.<\/p>\n\n\n\n<h2 id=\"htoc-2-investice-p-in-ej-rychl-zisky\" class=\"wp-block-heading\"><strong>2. M\u00fdtus: Investov\u00e1n\u00ed je hazard a kasino<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investov\u00e1n\u00ed m\u00e1 b\u00fdt nuda. Z\u00e1bava pat\u0159\u00ed do kasina. Kasino je hra s negativn\u00ed o\u010dek\u00e1vanou hodnotou a z dlouhodob\u00e9ho hlediska kasino v\u017edycky vyhraje. Spekulace na nezn\u00e1m\u00e9 kryptom\u011bny nebo jedny konkr\u00e9tn\u00ed akcie se hazardu bl\u00ed\u017eit m\u016f\u017ee. <strong>Skute\u010dn\u00e9 investov\u00e1n\u00ed je ale o rozkl\u00e1d\u00e1n\u00ed rizika (diverzifikaci).<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e investujete nap\u0159. do glob\u00e1ln\u00edho akciov\u00e9ho indexu, kupujete si pod\u00edl v tis\u00edc\u00edch nejv\u011bt\u0161\u00edch firem sv\u011bta (Apple, Microsoft, Nestl\u00e9&#8230;). Aby takov\u00e1 investice spadla na nulu, musel by zkrachovat cel\u00fd sv\u011btov\u00fd pr\u016fmysl i obchod, co\u017e se teoreticky samoz\u0159ejm\u011b st\u00e1t m\u016f\u017ee, ale takov\u00e1 pravd\u011bpodobnost je velmi n\u00edzk\u00e1.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udcb0 L\u00e1k\u00e1 v\u00e1s investovat do kryptom\u011bn? P\u0159e\u010dt\u011bte si jak\u00e1 p\u0159edstavuj\u00ed <a href=\"https:\/\/www.fingo.cz\/blog\/kryptomeny-prilezitosti-a-rizika-pro-ceske-investory\/\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/blog\/kryptomeny-prilezitosti-a-rizika-pro-ceske-investory\/\">p\u0159\u00edle\u017eitosti a rizika pro \u010desk\u00e9 investory<\/a><\/strong>.<\/p>\n\n\n\n<h2 id=\"htoc-3-investov-n-je-p-li-rizikov\" class=\"wp-block-heading\"><strong>3. M\u00fdtus: Mus\u00edm \u010dekat na spr\u00e1vn\u00fd \u010das<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Realita:<\/strong> \u010cek\u00e1te, a\u017e ceny klesnou? Nebo a\u017e bude po volb\u00e1ch, po v\u00e1lce, po krizi? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u23f3 Snaha koupit na \u00fapln\u00e9m dn\u011b a prodat na vrcholu selh\u00e1v\u00e1 i u profesion\u00e1ln\u00edch spr\u00e1vc\u016f fond\u016f. V investov\u00e1n\u00ed plat\u00ed zlat\u00e9 pravidlo: <strong>\u010cas na trhu je d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e \u010dasov\u00e1n\u00ed trhu.<\/strong> Nejlep\u0161\u00ed \u010das za\u010d\u00edt byl p\u0159ed 10 lety. Druh\u00fd nejlep\u0161\u00ed \u010das je <strong>dnes<\/strong>.<\/p>\n\n\n\n<h2 id=\"htoc-4-mus-te-b-t-finan-n-expert\" class=\"wp-block-heading\"><strong>4. M\u00fdtus: Nemovitost je jedin\u00e1 bezpe\u010dn\u00e1 investice<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u010ce\u0161i nemovitostem d\u00e1l v\u011b\u0159\u00ed. Podle dat AKAT <\/strong>(Asociace<strong> <\/strong>pro kapit\u00e1lov\u00fd trh) <strong>je za nejlep\u0161\u00ed \u017eivotn\u00ed investici pova\u017euje p\u0159es 30 % lid\u00ed.<\/strong> Ceny byt\u016f a dom\u016f ale vy\u017eaduj\u00ed mili\u00f3nov\u00e9 \u00faspory, kv\u016fli kter\u00fdm je p\u0159\u00edm\u00e1 koup\u011b pro \u0159adu lid\u00ed nedostupn\u00e1. I proto dnes rekordn\u00ed mno\u017estv\u00ed investor\u016f vol\u00ed dostupn\u011bj\u0161\u00ed cestu v podob\u011b nemovitostn\u00edch fond\u016f. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nemovitosti jsou skv\u011bl\u00e9 aktivum, ale maj\u00ed i sv\u00e9 nev\u00fdhody: vy\u017eaduj\u00ed vysok\u00fd vstupn\u00ed kapit\u00e1l, nesou s sebou p\u00e9\u010di o n\u00e1jemn\u00edky a opravy a maj\u00ed n\u00edzkou likviditu (d\u016fm neprod\u00e1te za 3 dny). Akcie a dluhopisy v\u00e1m naopak nab\u00edzej\u00ed vysokou likviditu\u00a0a v p\u0159\u00edpad\u011b pot\u0159eby m\u00e1te pen\u00edze za p\u00e1r dn\u00ed na \u00fa\u010dtu.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background wp-block-paragraph\">\ud83c\udfe1 P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek na t\u00e9ma: <a href=\"https:\/\/www.fingo.cz\/blog\/investice-do-nemovitosti\/\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/blog\/investice-do-nemovitosti\/\">Investice do nemovitosti: vyplat\u00ed se? Praktick\u00fd pr\u016fvodce pro ka\u017ed\u00e9ho, kdo to mysl\u00ed v\u00e1\u017en\u011b<\/a><\/p>\n\n\n\n<h2 id=\"htoc-5-akcie-jsou-jen-pro-odv-n\" class=\"wp-block-heading\"><strong>5. M\u00fdtus: Kdy\u017e trhy klesaj\u00ed, p\u0159ich\u00e1z\u00edm o pen\u00edze<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Realita:<\/strong> Dokud investici neprod\u00e1te, m\u00e1te st\u00e1le stejn\u00fd po\u010det akci\u00ed nebo pod\u00edlov\u00fdch list\u016f. Pokles na trhu p\u0159edstavuje pouze tzv. \u201epap\u00edrovou ztr\u00e1tu\u201c. Pro dlouhodob\u00e9ho investora je pokles trhu v podstat\u011b <strong>v\u00fdprodej a slevov\u00e1 akce<\/strong>. Nakupujete stejn\u00e1 kvalitn\u00ed aktiva za ni\u017e\u0161\u00ed cenu. Skute\u010dnou ztr\u00e1tu utrp\u00edte a\u017e ve chv\u00edli, kdy v panice zm\u00e1\u010dknete tla\u010d\u00edtko \u201eprodat\u201c. <\/p>\n\n\n\n<h2 id=\"htoc-6-investov-n-je-jen-o-burze\" class=\"wp-block-heading\"><strong>6. M\u00fdtus: <\/strong>Pen\u00edze na spo\u0159ic\u00edm \u00fa\u010dtu jsou v bezpe\u010d\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Spo\u0159ic\u00ed \u00fa\u010det je skv\u011bl\u00fd n\u00e1stroj na <strong>kr\u00e1tkodobou rezervu<\/strong> (3 a\u017e 6 m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f). Pro dlouhodob\u00e9 zhodnocov\u00e1n\u00ed pen\u011bz ale nesta\u010d\u00ed. \u00daroky na spo\u0159ic\u00edch \u00fa\u010dtech toti\u017e dlouhodob\u011b nepor\u00e1\u017eej\u00ed inflaci. Pen\u00edze tam sice nomin\u00e1ln\u011b neub\u00fdvaj\u00ed, ale jejich <strong>kupn\u00ed s\u00edla re\u00e1ln\u011b kles\u00e1<\/strong> a za 10 let si za n\u011b koup\u00edte v\u00fdrazn\u011b m\u00e9n\u011b ne\u017e dnes.<\/p>\n\n\n\n<h2 id=\"htoc-7-mlad-by-nem-li-investovat\" class=\"wp-block-heading\"><strong>7. M\u00fdtus: <\/strong>Mus\u00edm denn\u011b sledovat grafy a zpr\u00e1vy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcca Pokud nejste denn\u00ed obchodn\u00edk (trader), sledov\u00e1n\u00ed zpravodajstv\u00ed v\u00e1m sp\u00ed\u0161e u\u0161kod\u00ed. Dlouhodob\u00fd investor nastav\u00ed trval\u00fd p\u0159\u00edkaz a o nic dalekos\u00e1hlej\u0161\u00edho se starat nemus\u00ed. <strong>P\u0159\u00edli\u0161 \u010dast\u00e9 sledov\u00e1n\u00ed \u00fa\u010dtu vede k emocion\u00e1ln\u00edm rozhodnut\u00edm, kter\u00e9 jsou nejv\u011bt\u0161\u00edm nep\u0159\u00edtelem dobr\u00fdch v\u00fdnos\u016f.<\/strong><\/p>\n\n\n\n<h2 id=\"htoc-8-bez-zku-enost-to-nem-smysl\" class=\"wp-block-heading\"><strong>8. M\u00fdtus: Mus\u00edm b\u00fdt finann\u010d\u00ed expert<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste \u0159\u00eddili auto, nemus\u00edte um\u011bt slo\u017eit motor. Stejn\u00e9 je to s investicemi. Dne\u0161n\u00ed trh nab\u00edz\u00ed jednoduch\u00e9 a transparentn\u00ed produkty (nap\u0159. ETF nebo pod\u00edlov\u00e9 fondy), kde ve\u0161kerou mraven\u010d\u00ed pr\u00e1ci odv\u00e1d\u00ed profesion\u00e1lov\u00e9 nebo algoritmy. Va\u0161\u00edm \u00fakolem je pouze v\u011bd\u011bt, pro\u010d investujete a jak\u00fd je v\u00e1\u0161 horizont.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<iframe id=\"iframeBannerV1_financial_freedom\" src=\"https:\/\/www.fingo.cz\/banner\/general?type=financial_freedom\" style=\"height: 265px; min-height: 265px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<h2 id=\"htoc-9-investice-pot-ebuj-velk-stky\" class=\"wp-block-heading\"><strong>9. <\/strong>M\u00fdtus: Poplatky a dan\u011b m\u011b p\u0159iprav\u00ed o ve\u0161ker\u00fd zisk<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Strach z poplatk\u016f nebo ze slo\u017eit\u00e9ho da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed \u010dasto lidi odrad\u00ed d\u0159\u00edve, ne\u017e v\u016fbec za\u010dnou. Ve skute\u010dnosti je \u010desk\u00fd da\u0148ov\u00fd syst\u00e9m v\u016f\u010di dlouhodob\u00fdm investor\u016fm velmi p\u0159\u00edv\u011btiv\u00fd. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Pokud dodr\u017e\u00edte tzv. <strong>\u010dasov\u00fd test<\/strong> (u fyzick\u00fdch osob neprod\u00e1te akcie \u010di fondy d\u0159\u00edve ne\u017e po 3 letech), je ve\u0161ker\u00fd v\u00e1\u0161 zisk \u00fapln\u011b <strong>osvobozen od dan\u011b z p\u0159\u00edjm\u016f<\/strong>. A co se t\u00fd\u010de poplatk\u016f? Modern\u00ed n\u00edzkon\u00e1kladov\u00e9 n\u00e1stroje (jako nap\u0159. ETF) maj\u00ed ro\u010dn\u00ed n\u00e1kladovost v \u0159\u00e1du desetin procenta, co\u017e v\u00e1\u0161 fin\u00e1ln\u00ed v\u00fdnos t\u00e9m\u011b\u0159 neovlivn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83e\udd13 Pod\u00edvejte se na n\u00e1\u0161 <a href=\"https:\/\/www.fingo.cz\/blog\/nejlepsi-etf-fondy\/\">p\u0159ehled nejlep\u0161\u00edch ETF fond\u016f<\/a>.<\/strong><\/p>\n\n\n\n<h2 id=\"htoc-10-pen-ze-budou-dlouho-nedostupn\" class=\"wp-block-heading\"><strong>10. <\/strong>M\u00fdtus: Na investov\u00e1n\u00ed u\u017e jsem moc star\u00fd (nebo moc mlad\u00fd)<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-mlad-maj-nejv-t-v-hodu-kterou-je-as-zhodnocen-m-des-tky-let-na-to-aby-se-zn-sobilo-a-p-ekonalo-kr-tkodob-poklesy\"><strong>Mlad\u00ed maj\u00ed nejv\u011bt\u0161\u00ed v\u00fdhodu, kterou je \u010das: <\/strong>Zhodnocen\u00ed m\u00e1 des\u00edtky let na to, aby se zn\u00e1sobilo a p\u0159ekonalo kr\u00e1tkodob\u00e9 poklesy.\u00a0<\/li>\n\n\n\n<li id=\"htoc-star-ro-n-ky-investovat-m-smysl-v-jak-mkoliv-v-ku-m-n-se-pouze-strategie-v-pozd-j-m-v-ku-se-neprahne-po-drav-m-r-stu-ale-po-konzervativn-j-m-zaji-t-n-kapit-lu-a-tvorb-renty-k-d-chodu\"><strong>Star\u0161\u00ed ro\u010dn\u00edky:<\/strong> Investovat m\u00e1 smysl v jak\u00e9mkoliv v\u011bku. M\u011bn\u00ed se pouze strategie. V pozd\u011bj\u0161\u00edm v\u011bku se neprahne po drav\u00e9m r\u016fstu, ale po konzervativn\u011bj\u0161\u00edm zaji\u0161t\u011bn\u00ed kapit\u00e1lu a tvorb\u011b renty k d\u016fchodu.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udc75 \u010cast\u00fdm c\u00edlem investov\u00e1n\u00ed je zabezpe\u010den\u00ed na penzi. P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek: <a href=\"https:\/\/www.fingo.cz\/blog\/duchod-bez-spolehani-na-stat-jak-si-cesi-jisti-stari-chytrou-kombinaci\/\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/blog\/duchod-bez-spolehani-na-stat-jak-si-cesi-jisti-stari-chytrou-kombinaci\/\">Jak si \u010ce\u0161i jist\u00ed st\u00e1\u0159\u00ed chytrou kombinac\u00ed?<\/a><\/strong><\/p>\n\n\n\n<h2 id=\"htoc-jak-investovat-jednodu-e-a-efektivn\" class=\"wp-block-heading\">Rada seniorn\u00edho specialisty na z\u00e1v\u011br:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00edm rizikem v investov\u00e1n\u00ed nen\u00ed to, \u017ee trhy klesnou, ale to, \u017ee nikdy neza\u010dnete investovat. <strong>Neud\u011bl\u00e1te v\u016fbec nic<\/strong>. Ka\u017ed\u00fd den, kdy va\u0161e \u00faspory le\u017e\u00ed bez v\u00fdnosu, p\u0159ich\u00e1z\u00edte o to nejcenn\u011bj\u0161\u00ed \u2013 o \u010das.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0165 u\u017e za\u010d\u00edn\u00e1te s mal\u00fdmi \u010d\u00e1stkami, nebo pl\u00e1nujete v\u011bt\u0161\u00ed investice, d\u016fle\u017eit\u00e9 je ud\u011blat prvn\u00ed krok. Nenechte se odradit m\u00fdty, kter\u00e9 kolem investov\u00e1n\u00ed panuj\u00ed, a nechte sv\u00e9 pen\u00edze pracovat pro v\u00e1s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Chcete v\u011bd\u011bt, jak nastavit investi\u010dn\u00ed portf\u00f3lio p\u0159\u00edmo pro va\u0161e c\u00edle a s ohledem na v\u00e1\u0161 rozpo\u010det? <strong>Obratte se na na\u0161e <a href=\"https:\/\/www.fingo.cz\/kontakty\" data-type=\"link\" data-id=\"https:\/\/www.fingo.cz\/kontakty\">finan\u010dn\u00ed specialisty<\/a> ve FinGO<\/strong>.<\/p>\n\n\n\n<div style=\"height:42px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Pozn.: zdrojem statistik je <a href=\"https:\/\/www.akatcr.cz\/\">AKAT \u010cR<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Upozorn\u011bn\u00ed: informace uveden\u00e9 v tomto dokumentu slou\u017e\u00ed pouze pro informa\u010dn\u00ed \u00fa\u010dely a nem\u011bly by b\u00fdt pova\u017eov\u00e1ny za investi\u010dn\u00ed poradenstv\u00ed. P\u0159\u00edklady a sc\u00e9n\u00e1\u0159e jsou hypotetick\u00e9 a slou\u017e\u00ed pouze k ilustrativn\u00edm \u00fa\u010del\u016fm. Investov\u00e1n\u00ed zahrnuje rizika, v\u010detn\u011b mo\u017en\u00e9 ztr\u00e1ty investovan\u00e9ho kapit\u00e1lu. Hodnota investic se m\u016f\u017ee m\u011bnit v z\u00e1vislosti na tr\u017en\u00edch podm\u00ednk\u00e1ch, ekonomick\u00fdch a dal\u0161\u00edch faktorech. Minul\u00e9 v\u00fdkony nejsou z\u00e1rukou v\u00fdkon\u016f budouc\u00edch. P\u0159ed u\u010din\u011bn\u00edm jak\u00fdchkoli investi\u010dn\u00edch rozhodnut\u00ed byste m\u011bli zv\u00e1\u017eit svou individu\u00e1ln\u00ed finan\u010dn\u00ed situaci, investi\u010dn\u00ed c\u00edle, toleranci rizika a poradit se s licencovan\u00fdm finan\u010dn\u00edm poradcem. Tento dokument nep\u0159edstavuje nab\u00eddku k prodeji nebo v\u00fdzvu k n\u00e1kupu jak\u00fdchkoli cenn\u00fdch pap\u00edr\u016f nebo kryptom\u011bn (pokud se \u010dl\u00e1vek t\u00fdk\u00e1 kryptom\u011bn). P\u0159ed u\u010din\u011bn\u00edm investi\u010dn\u00edho rozhodnut\u00ed si v\u017edy p\u0159e\u010dt\u011bte relevantn\u00ed dokumentaci.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 jste to u\u017e tak\u00e9 n\u011bkdy sly\u0161eli, nej\u010dast\u011bji z\u00a0rodinn\u00fdch kruh\u016f, bl\u00edzk\u00fdch p\u0159\u00e1tel nebo kamar\u00e1d\u016f. N\u00e1zory typu: \u201eInvestov\u00e1n\u00ed? To je jen pro bohat\u00e9.\u201c Nebo: \u201eKamar\u00e1d tam dal pen\u00edze a o v\u0161echno p\u0159i\u0161el, je to jako ruleta.\u201c P\u0159esn\u011b takto vznikaj\u00ed m\u00fdty a obavy o investovan\u00ed. Odr\u00e1\u017eej\u00ed tyto n\u00e1zory re\u00e1ln\u00e1 data, nebo jsou jen v\u00fdsledkem strachu a \u0161patn\u00fdch zku\u0161enost\u00ed? V n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch si v tom ud\u011bl\u00e1me jasno. Poj\u010fme si spole\u010dn\u011b posv\u00edtit na 10 nej\u010dast\u011bj\u0161\u00edch m\u00fdt\u016f o investov\u00e1n\u00ed a uk\u00e1zat si, jak realita vypad\u00e1 doopravdy. \u201eJako investi\u010dn\u00ed specialista se s t\u011bmito tvrzen\u00edmi potk\u00e1v\u00e1m dnes a denn\u011b. Sv\u011bt financ\u00ed je bohu\u017eel op\u0159eden spoustou m\u00fdt\u016f, kter\u00e9 v lidech vyvol\u00e1vaj\u00ed strach. A v\u00fdsledek? Pen\u00edze nech\u00e1vaj\u00ed le\u017eet na b\u011b\u017en\u00fdch \u00fa\u010dtech nebo spo\u0159\u00edc\u00edch, kde je pomalu, ale jist\u011b po\u017e\u00edr\u00e1 inflace,&#8220; zmi\u0148uje David Paco\u0148, specialista na investice a DPS FinGO. 1. M\u00fdtus: Investov\u00e1n\u00ed je jen pro bohat\u00e9 Doby, kdy byl akciov\u00fd trh vyhrazen p\u00e1n\u016fm v cylindrech, jsou d\u00e1vno pry\u010d. Dnes m\u016f\u017eete za\u010d\u00edt investovat doslova s p\u00e1r stovkami m\u011bs\u00ed\u010dn\u011b (nap\u0159. od 200 K\u010d). Kl\u00ed\u010dem k \u00fasp\u011bchu toti\u017e nen\u00ed jednor\u00e1zov\u00fd bal\u00edk pen\u011bz, ale pravidelnost a dostate\u010dn\u011b dlouho \u010dasov\u00fd horizont. I mal\u00e1 \u010d\u00e1stka investovan\u00e1 ka\u017ed\u00fd m\u011bs\u00edc dok\u00e1\u017ee d\u00edky efektu slo\u017een\u00e9ho \u00faro\u010den\u00ed po letech vytvo\u0159it p\u0159ekvapiv\u011b velk\u00fd majetek. 2. M\u00fdtus: Investov\u00e1n\u00ed je hazard a [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":3003,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[189,16,37,29],"class_list":["post-2402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","tag-david-pacon","tag-investice","tag-investovani","tag-podilove-fondy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Investov\u00e1n\u00ed: nej\u010dast\u011bj\u0161\u00ed m\u00fdty a jak se vyhnout chyb\u00e1m - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Investov\u00e1n\u00ed nemus\u00ed b\u00fdt jen pro bohat\u00e9 nebo experty. 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