{"id":855,"date":"2025-05-16T10:14:49","date_gmt":"2025-05-16T08:14:49","guid":{"rendered":"https:\/\/profimagazin.cz\/?p=855"},"modified":"2025-05-16T10:14:50","modified_gmt":"2025-05-16T08:14:50","slug":"jak-investovat-prvnich-100-000-kc-konkretni-strategie-pro-zacatecniky","status":"publish","type":"post","link":"https:\/\/profimagazin.cz\/?p=855","title":{"rendered":"Jak investovat prvn\u00edch 100 000 K\u010d \u2013 konkr\u00e9tn\u00ed strategie pro za\u010d\u00e1te\u010dn\u00edky"},"content":{"rendered":"\n

A\u0165 u\u017e sis na\u0161et\u0159il\/a, z\u00edskal\/a d\u011bdictv\u00ed nebo m\u00e1\u0161 voln\u00e9 pen\u00edze nav\u00edc, prvn\u00edch 100 000 K\u010d m\u016f\u017ee b\u00fdt skv\u011bl\u00fdm odrazov\u00fdm m\u016fstkem<\/strong> k budov\u00e1n\u00ed dlouhodob\u00e9ho majetku. Tady je n\u00e1vod, jak s nimi chyt\u0159e nalo\u017eit \u2013 bez zbyte\u010dn\u00e9ho rizika, ale s re\u00e1ln\u00fdm v\u00fdnosem.<\/p>\n\n\n\n

\n\n\n\n

\ud83e\udde0 Ne\u017e za\u010dne\u0161: 3 kl\u00ed\u010dov\u00e9 ot\u00e1zky<\/h2>\n\n\n\n
    \n
  1. Jak\u00fd m\u00e1\u0161 investi\u010dn\u00ed horizont?<\/strong>
    Kr\u00e1tkodob\u00fd (do 3 let), st\u0159edn\u00ed (3\u20137 let), dlouhodob\u00fd (7+ let)?\u010c\u00edm del\u0161\u00ed horizont, t\u00edm v\u00edc rizika si m\u016f\u017ee\u0161 dovolit \u2013 a v\u011bt\u0161\u00ed v\u00fdnos z\u00edskat.<\/li>\n\n\n\n
  2. Jak\u00fd je tv\u016fj vztah k riziku?<\/strong>
    Vad\u00ed ti pokles hodnoty o 10 %? Nebo snese\u0161 i 30 %, kdy\u017e v\u00ed\u0161, \u017ee to dlouhodob\u011b poroste?<\/li>\n\n\n\n
  3. M\u00e1\u0161 finan\u010dn\u00ed rezervu?<\/strong>
    Pokud ne, prvn\u00ed kroky by m\u011bly v\u00e9st ke\u00a0spo\u0159ic\u00edmu \u00fa\u010dtu<\/strong>, ne na burzu.<\/li>\n<\/ol>\n\n\n\n
    \n\n\n\n

    \ud83e\uddf1 Doporu\u010den\u00e9 rozlo\u017een\u00ed 100 000 K\u010d pro za\u010d\u00e1te\u010dn\u00edka<\/h2>\n\n\n\n

    N\u00ed\u017ee jsou 3 modelov\u00e9 strategie podle typu investora.<\/p>\n\n\n\n

    \n\n\n\n

    \ud83c\udfaf Konzervativn\u00ed investor (n\u00edzk\u00e9 riziko)<\/strong><\/h3>\n\n\n\n
    Oblast<\/th>\u010c\u00e1stka<\/th>Pozn\u00e1mka<\/th><\/tr><\/thead>
    Spo\u0159ic\u00ed \u00fa\u010det \/ term\u00ednovan\u00fd vklad<\/td>40 000 K\u010d<\/td>Rezerva a likvidita<\/td><\/tr>
    Stavebn\u00ed spo\u0159en\u00ed<\/td>20 000 K\u010d<\/td>St\u00e1tn\u00ed podpora = garantovan\u00fd v\u00fdnos<\/td><\/tr>
    Konzervativn\u00ed fondy (dluhopisy)<\/td>30 000 K\u010d<\/td>N\u00edzk\u00e9 kol\u00eds\u00e1n\u00ed, m\u00edrn\u00fd v\u00fdnos<\/td><\/tr>
    Zlato nebo komodity<\/td>10 000 K\u010d<\/td>Ochrana proti inflaci<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n

    \u2705 Celkov\u00e9 riziko:<\/strong> n\u00edzk\u00e9
    \u2705 O\u010dek\u00e1van\u00fd v\u00fdnos:<\/strong> 3\u20135 % ro\u010dn\u011b<\/p>\n\n\n\n

    \n\n\n\n

    \ud83d\udcbc Vyv\u00e1\u017een\u00fd investor (st\u0159edn\u00ed riziko)<\/strong><\/h3>\n\n\n\n
    Oblast<\/th>\u010c\u00e1stka<\/th>Pozn\u00e1mka<\/th><\/tr><\/thead>
    Rezerva (spo\u0159ic\u00ed \u00fa\u010det)<\/td>20 000 K\u010d<\/td>Finan\u010dn\u00ed bezpe\u010dnost<\/td><\/tr>
    ETF (glob\u00e1ln\u00ed indexy \u2013 nap\u0159. MSCI World)<\/td>50 000 K\u010d<\/td>\u0160irok\u00e1 diverzifikace, r\u016fst<\/td><\/tr>
    Dluhopisov\u00e9 a sm\u00ed\u0161en\u00e9 fondy<\/td>20 000 K\u010d<\/td>Sn\u00ed\u017een\u00ed volatility portfolia<\/td><\/tr>
    Kryptom\u011bny \/ alternativy<\/td>10 000 K\u010d<\/td>Pouze pokud rozum\u00ed\u0161 rizik\u016fm<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n

    \u2705 Celkov\u00e9 riziko:<\/strong> st\u0159edn\u00ed
    \u2705 O\u010dek\u00e1van\u00fd v\u00fdnos:<\/strong> 5\u20138 % ro\u010dn\u011b<\/p>\n\n\n\n

    \n\n\n\n

    \ud83d\ude80 Dynamick\u00fd investor (dlouhodob\u00fd r\u016fst)<\/strong><\/h3>\n\n\n\n
    Oblast<\/th>\u010c\u00e1stka<\/th>Pozn\u00e1mka<\/th><\/tr><\/thead>
    ETF (akciov\u00e9, glob\u00e1ln\u00ed)<\/td>60 000 K\u010d<\/td>Nap\u0159. S&P 500, Nasdaq 100<\/td><\/tr>
    Akcie jednotliv\u00fdch firem<\/td>20 000 K\u010d<\/td>Nap\u0159. dividendov\u00e9 nebo r\u016fstov\u00e9<\/td><\/tr>
    Kryptom\u011bny<\/td>15 000 K\u010d<\/td>Jen jako dopln\u011bk, vysok\u00e9 riziko<\/td><\/tr>
    Hotovost \/ likvidn\u00ed rezerva<\/td>5 000 K\u010d<\/td>Mal\u00e1 rezerva pro flexibilitu<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n

    \u2705 Celkov\u00e9 riziko:<\/strong> vysok\u00e9
    \u2705 O\u010dek\u00e1van\u00fd v\u00fdnos:<\/strong> 7\u201312 % ro\u010dn\u011b (dlouhodob\u011b)<\/p>\n\n\n\n

    \n\n\n\n

    \ud83d\udee0\ufe0f Kde a jak investovat?<\/h2>\n\n\n\n
      \n
    • ETF a akcie:<\/strong>\u00a0p\u0159es platformy jako Portu, Fondee, Degiro, XTB nebo eToro (pozor na poplatky).<\/li>\n\n\n\n
    • Fondy:<\/strong>\u00a0lze investovat i p\u0159es banku (pozor na drah\u00e9 poplatky), nebo online platformy.<\/li>\n\n\n\n
    • Stavebn\u00ed spo\u0159en\u00ed:<\/strong>\u00a0p\u0159es v\u011bt\u0161inu bank nebo spo\u0159itelen.<\/li>\n\n\n\n
    • Spo\u0159ic\u00ed \u00fa\u010det:<\/strong>\u00a0ide\u00e1ln\u011b s \u00farokem 4\u20136 % p.a. (Air Bank, Trinity, Creditas atd.)<\/li>\n<\/ul>\n\n\n\n
      \n\n\n\n

      \ud83d\udeab \u010cemu se vyhnout<\/h2>\n\n\n\n

      \u274c \u201eZaru\u010den\u00e9 tipy\u201c z TikToku, YouTube a diskusn\u00edch f\u00f3r
      \u274c V\u0161e vsadit na jednu kartu (nap\u0159. cel\u00e9 do jedn\u00e9 akcie nebo krypta)
      \u274c Investice bez c\u00edle a pl\u00e1nu
      \u274c Produkty s vysok\u00fdmi vstupn\u00edmi poplatky a malou transparentnost\u00ed (nap\u0159. podvodn\u00e9 \u201efondy\u201c, MLM)<\/p>\n\n\n\n

      \n\n\n\n

      \u2705 Shrnut\u00ed<\/h2>\n\n\n\n

      Prvn\u00edch 100 000 K\u010d je jako z\u00e1kladn\u00ed k\u00e1men \u2013 postav\u00ed\u0161 na n\u011bm stabiln\u00ed finan\u010dn\u00ed d\u016fm. D\u016fle\u017eit\u00e9 je:<\/p>\n\n\n\n

        \n
      • rozum\u011bt,\u00a0do \u010deho investuje\u0161<\/strong>,<\/li>\n\n\n\n
      • diverzifikovat<\/strong>,<\/li>\n\n\n\n
      • m\u00edt\u00a0re\u00e1ln\u00e1 o\u010dek\u00e1v\u00e1n\u00ed<\/strong>\u00a0a trp\u011blivost.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

        A\u0165 u\u017e sis na\u0161et\u0159il\/a, z\u00edskal\/a d\u011bdictv\u00ed nebo m\u00e1\u0161 voln\u00e9 pen\u00edze nav\u00edc, prvn\u00edch 100 000 K\u010d m\u016f\u017ee b\u00fdt skv\u011bl\u00fdm odrazov\u00fdm m\u016fstkem k budov\u00e1n\u00ed dlouhodob\u00e9ho majetku. Tady je n\u00e1vod, jak s nimi chyt\u0159e nalo\u017eit…<\/p>\n","protected":false},"author":2,"featured_media":856,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[6],"tags":[],"class_list":["post-855","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/posts\/855","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=855"}],"version-history":[{"count":1,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/posts\/855\/revisions"}],"predecessor-version":[{"id":857,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/posts\/855\/revisions\/857"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=\/wp\/v2\/media\/856"}],"wp:attachment":[{"href":"https:\/\/profimagazin.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/profimagazin.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}