{"id":2889,"date":"2026-05-11T10:26:18","date_gmt":"2026-05-11T09:26:18","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=2889"},"modified":"2026-05-11T10:26:20","modified_gmt":"2026-05-11T09:26:20","slug":"cesi-a-investovani-cesta-od-konzervativniho-sporeni-k-aktivni-tvorbe-bohatstvi","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/cesi-a-investovani-cesta-od-konzervativniho-sporeni-k-aktivni-tvorbe-bohatstvi\/","title":{"rendered":"\u010ce\u0161i a investov\u00e1n\u00ed: Cesta od konzervativn\u00edho spo\u0159en\u00ed k aktivn\u00ed tvorb\u011b bohatstv\u00ed"},"content":{"rendered":"\n<p>Nejnov\u011bj\u0161\u00ed <strong>data z investi\u010dn\u00edho pr\u016fzkumu<\/strong> Asociace pro kapit\u00e1lov\u00fd trh (AKAT) za rok 2025, realizovan\u00e9ho na vzorku cca tis\u00edce respondent\u016f, <strong>odhaluj\u00ed zaj\u00edmavou prom\u011bnu \u010desk\u00e9 finan\u010dn\u00ed n\u00e1tury<\/strong>. A\u010dkoliv se investi\u010dn\u00ed chov\u00e1n\u00ed \u010desk\u00fdch dom\u00e1cnost\u00ed vyv\u00edj\u00ed sm\u011brem k modern\u00edm n\u00e1stroj\u016fm, <strong>jeden prvek z\u016fst\u00e1v\u00e1 nem\u011bnn\u00fd: \u010ce\u0161i jsou st\u00e1le zna\u010dn\u011b konzervativn\u00ed a vykazuj\u00ed vysokou m\u00edru rizikov\u00e9 averze.<\/strong><\/p>\n\n\n\n<p><em>\u201cD\u0159\u00edve byl \u010desk\u00fd investor synonymem pro st\u0159adatele s vkladn\u00ed kn\u00ed\u017ekou, dnes se d\u00edv\u00e1me na mnohem komplexn\u011bj\u0161\u00ed profil. \u010ce\u0161i si sice st\u00e1le udr\u017euj\u00ed silnou vazbu na konzervativn\u00ed produkty, ale pod tlakem ekonomick\u00e9 reality za\u010d\u00ednaj\u00ed ch\u00e1pat, \u017ee k dosa\u017een\u00ed re\u00e1ln\u00e9ho zhodnocen\u00ed je nezbytn\u00e9 do portfolia zahrnout i dynami\u010dt\u011bj\u0161\u00ed n\u00e1stroje s vy\u0161\u0161\u00edm v\u00fdnosem\u201d,<\/em> vysv\u011btluje <strong>David Paco\u0148, investi\u010dn\u00ed specialista FinGO.<\/strong><\/p>\n\n\n\n<p><strong>Jak si tedy aktu\u00e1ln\u011b stoj\u00edme, co n\u00e1s p\u00e1l\u00ed a pro\u010d n\u00e1m spo\u0159ic\u00ed \u00fa\u010det na d\u016fchod sta\u010dit nebude?<\/strong><\/p>\n\n\n\n<div style=\"height:21px\" 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\">Obsah<\/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-bankovn-produkty-jistota-kter-v-ase-ztr-c-dech\">Bankovn\u00ed produkty: Jistota, kter\u00e1 v \u010dase ztr\u00e1c\u00ed dech<\/a><ul class=\"ht_toc_child_list\"><\/ul><\/li><li class=\"\"><a href=\"#htoc-rozmach-investi-n-ch-n-stroj-od-fond-k-akci-m\">Rozmach investi\u010dn\u00edch n\u00e1stroj\u016f: Od fond\u016f k akci\u00edm<\/a><\/li><li class=\"\"><a href=\"#htoc-role-finan-n-ho-poradenstv-a-spr-va-majetku\">Role finan\u010dn\u00edho poradenstv\u00ed a spr\u00e1va majetku<\/a><\/li><li class=\"\"><a href=\"#htoc-o-ek-v-n-sm-rem-ke-st-tu\">O\u010dek\u00e1v\u00e1n\u00ed sm\u011brem ke st\u00e1tu<\/a><\/li><li class=\"\"><a href=\"#htoc-faq-asto-kladen-ot-zky\">FAQ: \u010casto kladen\u00e9 ot\u00e1zky<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-bankovn-produkty-jistota-kter-v-ase-ztr-c-dech\"><strong>Bankovn\u00ed produkty: Jistota, kter\u00e1 v \u010dase ztr\u00e1c\u00ed dech<\/strong><\/h2>\n\n\n\n<p>Bankovn\u00ed produkty jsou v \u010cesku st\u00e1le nedotknuteln\u00fdm kr\u00e1lem. Zat\u00edmco b\u011b\u017en\u00fd \u00fa\u010det je standardem, <strong>dramatick\u00fd n\u00e1r\u016fst zaznamenaly spo\u0159ic\u00ed \u00fa\u010dty.<\/strong> V roce 2022 je vyu\u017e\u00edvalo <strong>54 %<\/strong> dot\u00e1zan\u00fdch, v roce 2025 toto \u010d\u00edslo vzrostlo na <strong>74 %<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-hody-hlavn-m-benefitem-je-okam-it-likvidita-a-vy-m-ra-ochrany-vklad-ochrana-vklad-ze-z-kona-pro-kr-tkodobou-finan-n-rezervu-jde-o-ide-ln-n-stroj\"><strong>V\u00fdhody:<\/strong> Hlavn\u00edm benefitem je <strong>okam\u017eit\u00e1 likvidita a vy\u0161\u0161\u00ed m\u00edra ochrany vklad\u016f ochrana vklad\u016f<\/strong> ze z\u00e1kona. Pro kr\u00e1tkodobou finan\u010dn\u00ed rezervu jde o ide\u00e1ln\u00ed n\u00e1stroj.<\/li>\n\n\n\n<li id=\"htoc-nev-hody-z-pohledu-budov-n-majetku-je-v-ak-spo-ic-et-past-p-i-sou-asn-m-nastaven-trhu-jeho-v-nosy-asto-pouze-kop-ruj-inflaci-v-hor-m-p-pad-za-n-zaost-vaj-pro-zabezpe-en-na-horizontu-15-a-v-ce-let-je-tento-produkt-z-matematick-ho-hlediska-nevhodn\"><strong>Nev\u00fdhody: <\/strong>Z pohledu budov\u00e1n\u00ed majetku <strong>je v\u0161ak spo\u0159ic\u00ed \u00fa\u010det past\u00ed<\/strong>. P\u0159i sou\u010dasn\u00e9m nastaven\u00ed trhu jeho v\u00fdnosy \u010dasto pouze kop\u00edruj\u00ed inflaci, v hor\u0161\u00edm p\u0159\u00edpad\u011b za n\u00ed zaost\u00e1vaj\u00ed. Pro zabezpe\u010den\u00ed na horizontu 15 a v\u00edce let je tento produkt z matematick\u00e9ho hlediska nevhodn\u00fd.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"htoc-zaji-t-n-na-st-jako-hlavn-motivace\"><strong>Zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed jako hlavn\u00ed motivace<\/strong><\/h3>\n\n\n\n<p>Obava z budouc\u00ed v\u00fd\u0161e st\u00e1tn\u00edho d\u016fchodu je nejsiln\u011bj\u0161\u00edm hnac\u00edm motorem, pro\u010d \u010ce\u0161i hledaj\u00ed cesty ke zhodnocen\u00ed pen\u011bz. St\u00e1le v\u00edce lid\u00ed si uv\u011bdomuje, \u017ee <strong>spol\u00e9hat se v\u00fdhradn\u011b na st\u00e1tn\u00ed penzijn\u00ed syst\u00e9m p\u0159edstavuje zna\u010dn\u00e9 riziko<\/strong> pro jejich budouc\u00ed \u017eivotn\u00ed \u00farove\u0148.<\/p>\n\n\n\n<p>V t\u00e9to oblasti dominuj\u00ed dva st\u00e1tn\u00ed podporovan\u00e9 produkty:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-dopl-kov-penzijn-spo-en-dps-aktu-ln-nejobl-ben-j-cesta-k-penzi-echy-motivuje-p-edev-m-st-tn-p-sp-vek-da-ov-odpo-ty-a-mo-nost-p-sp-vku-od-zam-stnavatele-je-vn-m-no-jako-stabiln-a-transparentn-forma-dlouhodob-ho-odkl-d-n-prost-edk\"><strong>Dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed <\/strong>(DPS)<strong>:<\/strong> Aktu\u00e1ln\u011b nejobl\u00edben\u011bj\u0161\u00ed cesta k penzi. \u010cechy motivuje p\u0159edev\u0161\u00edm <strong>st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek, da\u0148ov\u00e9 odpo\u010dty<\/strong> a mo\u017enost <strong>p\u0159\u00edsp\u011bvku od zam\u011bstnavatele.<\/strong> Je vn\u00edm\u00e1no jako stabiln\u00ed a transparentn\u00ed forma dlouhodob\u00e9ho odkl\u00e1d\u00e1n\u00ed prost\u0159edk\u016f.<\/li>\n\n\n\n<li id=\"htoc-dlouhodob-investi-n-produkt-dip-tato-modern-alternativa-z-sk-v-na-popularit-d-ky-mo-nosti-da-ov-ch-odpo-t-a-flexibilit-p-i-v-b-ru-investi-n-ch-aktiv\"><strong>Dlouhodob\u00fd investi\u010dn\u00ed produkt <\/strong>(DIP):<strong> <\/strong>Tato modern\u00ed alternativa z\u00edsk\u00e1v\u00e1 na popularit\u011b d\u00edky mo\u017enosti da\u0148ov\u00fdch odpo\u010dt\u016f a flexibilit\u011b p\u0159i v\u00fdb\u011bru investi\u010dn\u00edch aktiv.<\/li>\n<\/ul>\n\n\n\n<p>Zat\u00edmco <strong>z\u00e1jem o produkty na st\u00e1\u0159\u00ed roste<\/strong>, tradi\u010dn\u00ed <strong>stavebn\u00ed spo\u0159en\u00ed<\/strong> <strong>za\u017e\u00edv\u00e1 \u00fastup<\/strong> ze sl\u00e1vy. Data ukazuj\u00ed, \u017ee jeho v\u00fdznam v portfoli\u00edch kles\u00e1 a respondenti s n\u00edm vyjad\u0159uj\u00ed aktu\u00e1ln\u011b nejni\u017e\u0161\u00ed spokojenost.<\/p>\n\n\n\n<p class=\"has-very-light-gray-to-cyan-bluish-gray-gradient-background has-background\">Vzhledem k tomu, \u017ee budouc\u00ed generace se budou muset na st\u00e1\u0159\u00ed zajistit samy, rozeb\u00edr\u00e1me dopady <a href=\"https:\/\/www.fingo.cz\/blog\/duchodova-reforma\/\">d\u016fchodov\u00e9 reformy<\/a> v na\u0161em dal\u0161\u00edm \u010dl\u00e1nku.<\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-rozmach-investi-n-ch-n-stroj-od-fond-k-akci-m\"><strong>Rozmach investi\u010dn\u00edch n\u00e1stroj\u016f: Od fond\u016f k akci\u00edm<\/strong><\/h2>\n\n\n\n<p>Vedle tradi\u010dn\u00edho spo\u0159en\u00ed <strong>roste v\u00fdznam re\u00e1ln\u00fdch<\/strong> <strong>investic<\/strong>. Pro \u0161irokou ve\u0159ejnost z\u016fst\u00e1vaj\u00ed vstupn\u00ed branou <strong>pod\u00edlov\u00e9 fondy<\/strong>, kter\u00e9 nab\u00edzej\u00ed profesion\u00e1ln\u00ed spr\u00e1vu i pro drobn\u00e9 investory. St\u00e1le v\u00edce \u010cech\u016f v\u0161ak vyhled\u00e1v\u00e1 i p\u0159\u00edm\u00e9 <strong>investice do akci\u00ed<\/strong> \u010desk\u00fdch i zahrani\u010dn\u00edch firem nebo <strong>n\u00edzkon\u00e1kladov\u00fdch <\/strong><a href=\"https:\/\/www.crestcom.cz\/cz\/tiskova-zprava\/?id=6254\"><strong>ETF <\/strong><\/a>(burzovn\u011b obchodovan\u00fdch fond\u016f).<\/p>\n\n\n\n<p>Stabiln\u00ed pozici si udr\u017euj\u00ed drah\u00e9 kovy, zejm\u00e9na <strong>investi\u010dn\u00ed zlato.<\/strong> To v o\u010d\u00edch \u010desk\u00fdch investor\u016f pln\u00ed roli \u201ebezpe\u010dn\u00e9ho p\u0159\u00edstavu\u201c, kter\u00fd m\u00e1 ochr\u00e1nit hodnotu majetku v obdob\u00ed geopolitick\u00e9 nebo ekonomick\u00e9 nestability.<\/p>\n\n\n\n<p><strong>Metafora:<\/strong> Investov\u00e1n\u00ed si m\u016f\u017eeme p\u0159edstavit jako stavbu domu. Bankovn\u00ed produkty jsou betonov\u00e9 z\u00e1klady \u2013 pevn\u00e9, ale neposkytuj\u00ed prostor k \u017eivotu. Samotn\u00e9 zdi a st\u0159echa, kter\u00e9 tvo\u0159\u00ed skute\u010dn\u00fd domov, jsou pak investi\u010dn\u00ed n\u00e1stroje (akcie, fondy), kter\u00e9 majetku dod\u00e1vaj\u00ed objem a funk\u010dnost.<\/p>\n\n\n\n<div style=\"height:41px\" 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: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-role-finan-n-ho-poradenstv-a-spr-va-majetku\"><strong>Role finan\u010dn\u00edho poradenstv\u00ed a spr\u00e1va majetku<\/strong><\/h2>\n\n\n\n<p>Zp\u016fsob, jak\u00fdm \u010ce\u0161i ke sv\u00fdm investic\u00edm p\u0159istupuj\u00ed, je rozd\u011blen na <strong>dva hlavn\u00ed sm\u011bry.<\/strong> P\u0159ibli\u017en\u011b t\u0159etina investor\u016f se <strong>spol\u00e9h\u00e1 na vlastn\u00ed \u00fasudek<\/strong>, zat\u00edmco stejn\u00e1 \u010d\u00e1st vyhled\u00e1v\u00e1 slu\u017eby <strong>profesion\u00e1ln\u00edho finan\u010dn\u00edho poradce.<\/strong><\/p>\n\n\n\n<p>Z praxe je patrn\u00e9, \u017ee <strong>v\u00fdznam odborn\u00e9ho poradenstv\u00ed stoup\u00e1 <\/strong>\u00fam\u011brn\u011b s objemem investovan\u00e9ho majetku. U slo\u017eit\u011bj\u0161\u00edch finan\u010dn\u00edch situac\u00ed je kl\u00ed\u010dov\u00e9 spr\u00e1vn\u011b nastavit <strong>diverzifikaci<\/strong> (rozlo\u017een\u00ed rizika) a dodr\u017eet zvolen\u00fd \u010dasov\u00fd horizont, co\u017e b\u00fdv\u00e1 bez nezaujat\u00e9ho pohledu experta pro laika obt\u00ed\u017en\u00e9.<\/p>\n\n\n\n<p>Pokud m\u00e1te jak\u00e9koliv dotazy ohledn\u011b <a href=\"https:\/\/www.fingo.cz\/investice\">investov\u00e1n\u00ed<\/a> pro lep\u0161\u00ed budoucnost, <a href=\"https:\/\/www.fingo.cz\/kontakty\">na\u0161i specialist\u00e9<\/a> jsou tu zdarma pro v\u00e1s.<\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-o-ek-v-n-sm-rem-ke-st-tu\"><strong>O\u010dek\u00e1v\u00e1n\u00ed sm\u011brem ke st\u00e1tu<\/strong><\/h2>\n\n\n\n<p>Z pr\u016fzkumu vypl\u00fdv\u00e1, \u017ee <strong>lid\u00e9 maj\u00ed o investov\u00e1n\u00ed z\u00e1jem<\/strong>, ale vn\u00edmaj\u00ed ho jako <strong>administrativn\u011b a technicky n\u00e1ro\u010dn\u00e9<\/strong>. Od st\u00e1tu by investo\u0159i uv\u00edtali zejm\u00e9na:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li id=\"htoc-v-t-podporu-finan-n-gramotnosti-ve-vzd-l-vac-m-syst-mu\">V\u011bt\u0161\u00ed podporu finan\u010dn\u00ed gramotnosti ve vzd\u011bl\u00e1vac\u00edm syst\u00e9mu.<\/li>\n\n\n\n<li id=\"htoc-roz-en-da-ov-ch-lev-pro-investi-n-produkty\">Roz\u0161\u00ed\u0159en\u00ed da\u0148ov\u00fdch \u00falev pro investi\u010dn\u00ed produkty.<\/li>\n\n\n\n<li id=\"htoc-zjednodu-en-da-ov-legislativy-pro-drobn-investory-a-vy-ochranu-p-ed-podvodn-mi-subjekty\">Zjednodu\u0161en\u00ed da\u0148ov\u00e9 legislativy pro drobn\u00e9 investory a vy\u0161\u0161\u00ed ochranu p\u0159ed podvodn\u00fdmi subjekty.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:53px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-luminous-vivid-orange-color has-text-color has-link-color wp-elements-7cc854e7d2db7ce27f2def9005f38753\" id=\"htoc-faq-asto-kladen-ot-zky\"><strong>FAQ: \u010casto kladen\u00e9 ot\u00e1zky<\/strong><\/h2>\n\n\n\n<p><strong>1. Pro\u010d mi k zabezpe\u010den\u00ed na st\u00e1\u0159\u00ed nesta\u010d\u00ed spo\u0159ic\u00ed \u00fa\u010det?&nbsp;<\/strong><\/p>\n\n\n\n<p>Spo\u0159ic\u00ed \u00fa\u010det slou\u017e\u00ed pro rezervu, ale dlouhodob\u011b jeho v\u00fdnosy historicky m\u00e1lokdy p\u0159ekon\u00e1vaj\u00ed inflaci. \u010c\u00e1st dom\u00e1cnost\u00ed proto pro potenci\u00e1ln\u00ed r\u016fst majetku zva\u017euje i investi\u010dn\u00ed n\u00e1stroje, jako jsou fondy \u010di akcie.<\/p>\n\n\n\n<p><strong>2. Vyplat\u00ed se v roce 2025 st\u00e1le stavebn\u00ed spo\u0159en\u00ed?&nbsp;<\/strong><\/p>\n\n\n\n<p>Jeho atraktivita kles\u00e1 a \u010ce\u0161i s n\u00edm vyjad\u0159uj\u00ed nejni\u017e\u0161\u00ed spokojenost kv\u016fli n\u00edzk\u00e9 flexibilit\u011b a n\u00edzk\u00fdm v\u00fdnos\u016fm. Dnes d\u00e1v\u00e1 smysl sp\u00ed\u0161e jako dopl\u0148kov\u00fd produkt nebo p\u0159i budouc\u00edm \u010derp\u00e1n\u00ed \u00fav\u011bru na bydlen\u00ed.<\/p>\n\n\n\n<p><strong>3. Jak\u00fd je rozd\u00edl mezi spo\u0159en\u00edm a investov\u00e1n\u00edm?&nbsp;<\/strong><\/p>\n\n\n\n<p>Spo\u0159en\u00ed slou\u017e\u00ed k bezpe\u010dn\u00e9mu uchov\u00e1n\u00ed pen\u011bz pro bl\u00edzkou budoucnost s minim\u00e1ln\u00edm rizikem. Investov\u00e1n\u00ed znamen\u00e1 vystaven\u00ed prost\u0159edk\u016f trhu za \u00fa\u010delem jejich zhodnocen\u00ed v \u0159\u00e1du mnoha let.<\/p>\n\n\n\n<p><strong>4. Kdy je vhodn\u00e9 vyu\u017e\u00edt slu\u017eby <\/strong><a href=\"https:\/\/www.fingo.cz\/kontakty\"><strong>finan\u010dn\u00edho poradce<\/strong><\/a><strong>?&nbsp;<\/strong><\/p>\n\n\n\n<p>Odborn\u00edka se vyplat\u00ed vyhledat zejm\u00e9na p\u0159i spr\u00e1v\u011b v\u011bt\u0161\u00edch \u00faspor nebo p\u0159i nastavov\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00edho portfolia. Pom\u016f\u017ee v\u00e1m spr\u00e1vn\u011b diverzifikovat riziko a emo\u010dn\u011b zvl\u00e1dnout kol\u00eds\u00e1n\u00ed trh\u016f.<\/p>\n\n\n\n<p><strong>5. Je investov\u00e1n\u00ed do zlata v dne\u0161n\u00ed dob\u011b bezpe\u010dn\u00e9?&nbsp;<\/strong><\/p>\n\n\n\n<p>Zlato je investory vn\u00edm\u00e1no jako n\u00e1stroj k uchov\u00e1n\u00ed hodnoty majetku v dob\u00e1ch nejistoty. Jeliko\u017e negeneruje \u00farok, b\u00fdv\u00e1 v portfoli\u00edch zastoupeno standardn\u011b jen jako dopl\u0148kov\u00e1 slo\u017eka.<\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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. 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>Nejnov\u011bj\u0161\u00ed data z investi\u010dn\u00edho pr\u016fzkumu Asociace pro kapit\u00e1lov\u00fd trh (AKAT) za rok 2025, realizovan\u00e9ho na vzorku cca tis\u00edce respondent\u016f, odhaluj\u00ed zaj\u00edmavou prom\u011bnu \u010desk\u00e9 finan\u010dn\u00ed n\u00e1tury. A\u010dkoliv se investi\u010dn\u00ed chov\u00e1n\u00ed \u010desk\u00fdch dom\u00e1cnost\u00ed vyv\u00edj\u00ed sm\u011brem k modern\u00edm n\u00e1stroj\u016fm, jeden prvek z\u016fst\u00e1v\u00e1 nem\u011bnn\u00fd: \u010ce\u0161i jsou st\u00e1le zna\u010dn\u011b konzervativn\u00ed a vykazuj\u00ed vysokou m\u00edru rizikov\u00e9 averze. \u201cD\u0159\u00edve byl \u010desk\u00fd investor synonymem pro st\u0159adatele s vkladn\u00ed kn\u00ed\u017ekou, dnes se d\u00edv\u00e1me na mnohem komplexn\u011bj\u0161\u00ed profil. \u010ce\u0161i si sice st\u00e1le udr\u017euj\u00ed silnou vazbu na konzervativn\u00ed produkty, ale pod tlakem ekonomick\u00e9 reality za\u010d\u00ednaj\u00ed ch\u00e1pat, \u017ee k dosa\u017een\u00ed re\u00e1ln\u00e9ho zhodnocen\u00ed je nezbytn\u00e9 do portfolia zahrnout i dynami\u010dt\u011bj\u0161\u00ed n\u00e1stroje s vy\u0161\u0161\u00edm v\u00fdnosem\u201d, vysv\u011btluje David Paco\u0148, investi\u010dn\u00ed specialista FinGO. Jak si tedy aktu\u00e1ln\u011b stoj\u00edme, co n\u00e1s p\u00e1l\u00ed a pro\u010d n\u00e1m spo\u0159ic\u00ed \u00fa\u010det na d\u016fchod sta\u010dit nebude? Bankovn\u00ed produkty: Jistota, kter\u00e1 v \u010dase ztr\u00e1c\u00ed dech Bankovn\u00ed produkty jsou v \u010cesku st\u00e1le nedotknuteln\u00fdm kr\u00e1lem. Zat\u00edmco b\u011b\u017en\u00fd \u00fa\u010det je standardem, dramatick\u00fd n\u00e1r\u016fst zaznamenaly spo\u0159ic\u00ed \u00fa\u010dty. V roce 2022 je vyu\u017e\u00edvalo 54 % dot\u00e1zan\u00fdch, v roce 2025 toto \u010d\u00edslo vzrostlo na 74 %. Zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed jako hlavn\u00ed motivace Obava z budouc\u00ed v\u00fd\u0161e st\u00e1tn\u00edho d\u016fchodu je nejsiln\u011bj\u0161\u00edm hnac\u00edm motorem, pro\u010d \u010ce\u0161i hledaj\u00ed cesty ke zhodnocen\u00ed pen\u011bz. St\u00e1le v\u00edce lid\u00ed si uv\u011bdomuje, \u017ee spol\u00e9hat se v\u00fdhradn\u011b na [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":2890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,4],"tags":[189,16,37],"class_list":["post-2889","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice","category-osobni-finance","tag-david-pacon","tag-investice","tag-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>Cesta od konzervativn\u00edho spo\u0159en\u00ed k aktivn\u00ed tvorb\u011b bohatstv\u00ed - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Jak si aktu\u00e1ln\u011b stoj\u00edme, co n\u00e1s p\u00e1l\u00ed a pro\u010d n\u00e1m spo\u0159ic\u00ed \u00fa\u010det na 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