[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/zaklady-o-investovani\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/zaklady-o-investovani\/","headline":"Z\u00e1klady o investov\u00e1n\u00ed","name":"Z\u00e1klady o investov\u00e1n\u00ed","description":"Z\u00e1kladn\u00ed pravidlo, pokud si chcete spo\u0159it na budoucnost je, nenech\u00e1vat sv\u00e9 pen\u00edze le\u017eet doma pod pol\u0161t\u00e1\u0159em, a nenech\u00e1vat je le\u017eet ani na bankovn\u00edm \u00fa\u010dtu. Pokud nem\u00e1te absolutn\u011b v\u016fbec \u017e\u00e1dn\u00fd p\u0159ehled, vysv\u011btl\u00edme v\u00e1m d\u016fvod. Ro\u010dn\u00ed inflace se pohybuje okolo 2 %. To znamen\u00e1, \u017ee jestli\u017ee si nech\u00e1te le\u017eet pen\u00edze doma pod pol\u0161t\u00e1\u0159em, ro\u010dn\u011b p\u0159ijdete o 2% &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/zaklady-o-investovani\/\"> <span class=\"screen-reader-text\">Z\u00e1klady o investov\u00e1n\u00ed<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-07-16","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a293283_w2264_t1505581443.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a293283_w2264_t1505581443.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/zaklady-o-investovani\/","about":["Investice"],"wordCount":430,"articleBody":"Z\u00e1kladn\u00ed pravidlo, pokud si chcete spo\u0159it na budoucnost je, nenech\u00e1vat sv\u00e9 pen\u00edze le\u017eet doma pod pol\u0161t\u00e1\u0159em, a nenech\u00e1vat je le\u017eet ani na bankovn\u00edm \u00fa\u010dtu. Pokud nem\u00e1te absolutn\u011b v\u016fbec \u017e\u00e1dn\u00fd p\u0159ehled, vysv\u011btl\u00edme v\u00e1m d\u016fvod. Ro\u010dn\u00ed inflace se pohybuje okolo 2 %.To znamen\u00e1, \u017ee jestli\u017ee si nech\u00e1te le\u017eet pen\u00edze doma pod pol\u0161t\u00e1\u0159em, ro\u010dn\u011b p\u0159ijdete o 2% t\u011bchto pen\u011bz. Inflace toti\u017e vyjad\u0159uje skute\u010dnost, \u017ee pen\u00edze ztr\u00e1cej\u00ed hodnotu, tak\u017ee to, co si za ur\u010ditou sumu mohu koupit dnes, je\u0161t\u011b neznamen\u00e1, \u017ee si budu moct koupit i za rok. Pokud pen\u00edze nech\u00e1v\u00e1me le\u017eet doma, neust\u00e1le ztr\u00e1cej\u00ed svou hodnotu, pokud je nech\u00e1me le\u017eet na bankovn\u00edm \u00fa\u010dtu, zhodnocuj\u00ed se 0,01% v\u00fdnosem. Kdy\u017e se na to \u010d\u00edslo pod\u00edv\u00e1me a porovn\u00e1me ho s&nbsp;inflac\u00ed, tak je p\u0159ece naprosto mizern\u00e9.Takov\u00e9 spo\u0159\u00edc\u00ed \u00fa\u010dty nab\u00edzej\u00ed v\u011bt\u0161inou zhodnocen\u00ed okolo 1 %. To je op\u011bt \u0161patn\u011b a v\u00edte pro\u010d? Proto\u017ee jak jsme ji\u017e zmi\u0148ovali, inflace je ve v\u00fd\u0161i 2 %, tak\u017ee jsme po\u0159\u00e1d ve ztr\u00e1t\u011b. Pokud chceme \u0161et\u0159it pen\u00edze do budoucna, mus\u00edme je ulo\u017eit tam, kde bude zhodnocen\u00ed pokr\u00fdvat minim\u00e1ln\u011b inflaci! To je velice d\u016fle\u017eit\u00e9 pravidlo. Mnohem lep\u0161\u00ed v\u0161ak bude, jestli\u017ee zhodnocen\u00ed bude nejen pokr\u00fdvat inflaci, ale tak\u00e9 n\u00e1m zaji\u0161\u0165ovat ur\u010dit\u00fd v\u00fdnos. Potom se dost\u00e1v\u00e1me k&nbsp;tomu, \u017ee na\u0161e pen\u00edze n\u011bkde le\u017e\u00ed a vyd\u011bl\u00e1vaj\u00ed n\u00e1m dal\u0161\u00ed pen\u00edze. A to je pr\u00e1v\u011b to, co chceme.Takov\u00e1 investice znamen\u00e1, \u017ee se z\u0159ekneme sou\u010dasn\u00e9 spot\u0159eby a budeme o\u010dek\u00e1vat, \u017ee na\u0161e spot\u0159eba v&nbsp;budoucnu bude vy\u0161\u0161\u00ed. To znamen\u00e1, \u017ee jestli\u017ee m\u00e1me doma v\u011bt\u0161\u00ed sumu pen\u011bz, neutrat\u00edme ji ihned za hlouposti, kter\u00e9 nutn\u011b nepot\u0159ebujeme. M\u00edsto toho pen\u00edze investujeme na ur\u010ditou dobu, t\u00edm p\u00e1dem se z\u0159ekneme na\u0161i sou\u010dasn\u00e9 spot\u0159eby. Takov\u00e1 investice n\u00e1m nab\u00eddne ur\u010dit\u00fd v\u00fdnos, tak\u017ee se n\u00e1m pen\u00edze budou rozmno\u017eovat. M\u016f\u017eeme je nechat le\u017eet a vyd\u011bl\u00e1vat a\u017e do doby, dokud je nebudeme pot\u0159ebovat. V\u00fdborn\u00fdmi alternativami, kam sumu pen\u011bz ulo\u017eit je nap\u0159\u00edklad realitn\u00ed fond nebo investice do dluhopis\u016f, kter\u00e9 rozli\u0161ujeme na korpor\u00e1tn\u00ed a st\u00e1tn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1klady o investov\u00e1n\u00ed","item":"https:\/\/www.zerba.cz\/zaklady-o-investovani\/#breadcrumbitem"}]}]