[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.floart.cz\/diverzifikace-investic\/#Article","mainEntityOfPage":"https:\/\/www.floart.cz\/diverzifikace-investic\/","headline":"Diverzifikace investic","name":"Diverzifikace investic","description":"Nyn\u011bj\u0161\u00ed rostouc\u00ed platov\u00e9 podm\u00ednky a klesaj\u00edc\u00ed nezam\u011bstnanost vedou k nadpr\u016fm\u011brn\u00e9mu utr\u00e1cen\u00ed \u010cech\u016f v oblasti produkt\u016f i slu\u017eeb. D\u00edky tomu prosperuj\u00ed i obchodn\u00edci, kte\u0159\u00ed v roce 2018 zaznamenali r\u016fst tr\u017eeb a\u017e o 5,5 %. Ide\u00e1ln\u00ed ekonomick\u00e1 situace vede i k v\u011bt\u0161\u00edmu prostoru pro spo\u0159en\u00ed. Jak ale prost\u0159edky ulo\u017eit, aby je neznehodnotila inflace, kter\u00e1 v t\u00e9to dob\u011b […]","datePublished":"2019-06-21","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.floart.cz\/author\/#Person","name":"floart.cz\n","url":"https:\/\/www.floart.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ccdd701717dc93db07d73e0c11dbbb8b91524cccc3bfbd3baea83667a3ebf5d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"floart.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.floart.cz\/wp-content\/uploads\/img_a349398_w2118_t1564342478.jpg","url":"https:\/\/www.floart.cz\/wp-content\/uploads\/img_a349398_w2118_t1564342478.jpg","height":0,"width":0},"url":"https:\/\/www.floart.cz\/diverzifikace-investic\/","about":["Finance"],"wordCount":516,"articleBody":"Nyn\u011bj\u0161\u00ed rostouc\u00ed platov\u00e9 podm\u00ednky a klesaj\u00edc\u00ed nezam\u011bstnanost vedou k nadpr\u016fm\u011brn\u00e9mu utr\u00e1cen\u00ed \u010cech\u016f v oblasti produkt\u016f i slu\u017eeb. D\u00edky tomu prosperuj\u00ed i obchodn\u00edci, kte\u0159\u00ed v roce 2018 zaznamenali r\u016fst tr\u017eeb a\u017e o 5,5 %. Ide\u00e1ln\u00ed ekonomick\u00e1 situace vede i k v\u011bt\u0161\u00edmu prostoru pro spo\u0159en\u00ed. Jak ale prost\u0159edky ulo\u017eit, aby je neznehodnotila inflace, kter\u00e1 v t\u00e9to dob\u011b dosahuje a\u017e neuv\u011b\u0159iteln\u00fdch 2,9 %? Obecn\u011b existuj\u00ed t\u0159i ramena t\u00e9to komplexn\u00ed v\u00e1hy \u2013 v\u00fdnos, riziko a likvidita.Nejprve si mus\u00edme uv\u011bdomit, kterou \u010d\u00e1st pen\u011bz m\u016f\u017eeme postr\u00e1dat v\u00a0p\u0159\u00edpad\u011b vy\u0161\u0161\u00edho rizika. S\u00a0vy\u0161\u0161\u00edm rizikem ale tak\u00e9 mnohdy p\u0159ich\u00e1z\u00ed potenci\u00e1l pro vy\u0161\u0161\u00ed zhodnocen\u00ed. Co se t\u00fdk\u00e1 likvidity \u2013 tedy, jak rychle jsem schopen p\u0159em\u011bnit investici v\u00a0hotovost. Nejlikvidn\u011bj\u0161\u00edm produktem je spo\u0159\u00edc\u00ed \u00fa\u010det. Nejb\u011b\u017en\u011bj\u0161\u00ed \u00farokov\u00e9 sazby se v\u0161ak pohybuj\u00ed kolem 1 %, co\u017e je zna\u010dn\u011b nedosta\u010duj\u00edc\u00ed p\u0159ihl\u00e9dneme-li na m\u00edru inflace. I p\u0159esto by se v\u0161ak m\u011blo po\u010d\u00edtat s \u010d\u00e1st\u00ed pen\u011bz, kter\u00e9 z\u016fstanou likvidn\u00ed pro p\u0159\u00edpad nouze. Standardn\u011b se ud\u00e1v\u00e1, \u017ee si m\u00e1 \u010dlov\u011bk na\u0161et\u0159it alespo\u0148 trojn\u00e1sobek sv\u00e9ho m\u011bs\u00ed\u010dn\u00edho platu.\u00a0Dal\u0161\u00ed mo\u017enost\u00ed, jak pen\u00edze zhodnotit, jsou term\u00ednovan\u00e9 vklady. V\u00a0nejlep\u0161\u00edm p\u0159\u00edpad\u011b v\u0161ak dnes u t\u00e9to slu\u017eby dostaneme zhruba 3 % na 10 let. Ty jsou tak\u00e9 nejist\u00e9, sice n\u00e1m pokryj\u00ed dne\u0161n\u00ed 2,9 %, ale v\u00a0budoucnosti mohou b\u00fdt nev\u00fdhodn\u00e9 v\u00a0p\u0159\u00edpad\u011b, \u017ee by inflace d\u00e1le rostla.\u00a0Je tu zde tak\u00e9 stavebn\u00ed spo\u0159en\u00ed se st\u00e1tn\u00ed podporou 2000 korun ro\u010dn\u011b p\u0159i spln\u011bn\u00ed ur\u010dit\u00fdch podm\u00ednek. Zde je v\u00fdnos snad nejvy\u0161\u0161\u00ed v\u00a0porovn\u00e1n\u00ed s riziky, zato likvidita vcelku n\u00edzk\u00e1. \u00a0\u00a0Je tedy v\u00edce ne\u017e \u017e\u00e1douc\u00ed alespo\u0148 \u010d\u00e1st pen\u011bz investovat, pokud chceme dos\u00e1hnout lep\u0161\u00edho zhodnocen\u00ed na\u0161ich financ\u00ed. Zde si v\u0161ak je nutno d\u00e1t pozor a zv\u00e1\u017eit i rizika \u2013 zejm\u00e9na to, zda si m\u016f\u017eeme dovolit ztr\u00e1tu. Banky poskytuj\u00ed slu\u017eby investov\u00e1n\u00ed od n\u011bkolika stovek m\u011bs\u00ed\u010dn\u011b do pod\u00edlov\u00fdch fond\u016f. V\u00a0jin\u00e9m p\u0159\u00edpad\u011b si lze ale tak\u00e9 zajistit p\u0159\u00edstup na burzu a investovat do akci\u00ed s\u00a0mal\u00fdm poplatkem pro brokera. Investovat lze tak\u00e9 do zlata, st\u0159\u00edbra, potravin, ale i nemovitost\u00ed.\u00a0Existuj\u00ed tak\u00e9 takzvan\u00e9 P2P (peer to peer) p\u016fj\u010dky, kdy p\u016fj\u010d\u00edme pen\u00edze konkr\u00e9tn\u00edmu \u010dlov\u011bku a za dan\u00fdch podm\u00ednek n\u00e1m jeho \u00faroky zhodnocuj\u00ed na\u0161e pen\u00edze. Zde je v\u0161ak pot\u0159eba vz\u00edt v\u00a0\u00favahu riziko, kter\u00e9 plyne z\u00a0nemo\u017enosti placen\u00ed dan\u00e9 osoby.\u00a0Pro minimalizaci rizika ztr\u00e1ty je tedy nutn\u00e9 diverzifikovat sv\u00e9 prost\u0159edky, pokud je investujeme. Pokud n\u00e1m nap\u0159\u00edklad osoba, kter\u00e9 v\u00a0r\u00e1mci P2P p\u016fj\u010d\u00edme, p\u0159estane platit, nech\u0165 m\u00e1me je\u0161t\u011b byt na pron\u00e1jem nebo dividendy z burzy.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Diverzifikace investic","item":"https:\/\/www.floart.cz\/diverzifikace-investic\/#breadcrumbitem"}]}]