{"id":121,"date":"2021-07-13T12:25:43","date_gmt":"2021-07-13T11:25:43","guid":{"rendered":"https:\/\/www.efrank.cz\/blog\/?p=121"},"modified":"2022-04-20T14:37:49","modified_gmt":"2022-04-20T13:37:49","slug":"10-investicnich-chyb-financni-nezavislost","status":"publish","type":"post","link":"https:\/\/www.efrank.cz\/blog\/10-investicnich-chyb-financni-nezavislost\/","title":{"rendered":"10 investi\u010dn\u00edch chyb, kter\u00e9 mohou p\u0159ekazit Va\u0161i cestu k finan\u010dn\u00ed nez\u00e1vislosti"},"content":{"rendered":"

Dos\u00e1hnout finan\u010dn\u00ed nez\u00e1vislosti, st\u00e1t se renti\u00e9rem a m\u00edt mo\u017enost odej\u00edt do p\u0159ed\u010dasn\u00e9ho d\u016fchodu je velk\u00fd c\u00edl, ale jeho dosa\u017een\u00ed si \u010dasto d\u011bl\u00e1me t\u011b\u017e\u0161\u00ed, ne\u017e je t\u0159eba.<\/p>\n

Naj\u00edt \u017eivotn\u00ed lekce, objevit investi\u010dn\u00ed chyby m\u016f\u017eete sami sv\u00fdm zklam\u00e1n\u00edm, selh\u00e1n\u00edm a ztr\u00e1tou spousty pen\u011bz. Nebo se m\u016f\u017eete pou\u010dit od druh\u00fdch, vyhnout se chyb\u00e1m a u\u017e\u00edvat si roky nav\u00edc klidu v pr\u00e1ci, kterou milujete, a s rodinou, na kterou m\u00e1te dostatek \u010dasu.<\/p>\n

Tady je 10 velk\u00fdch chyb, kter\u00fdch se lid\u00e9 \u010dasto dopou\u0161t\u011bj\u00ed p\u0159i investov\u00e1n\u00ed sv\u00fdch pen\u011bz a nestanou se kv\u016fli nim renti\u00e9ry, i kdy\u017e by mohli.<\/p>\n

1. Nev\u00edte, co chcete<\/h2>\n

T\u00e9m\u011b\u0159 ka\u017ed\u00fd, koho se zept\u00e1te, by cht\u011bl b\u00fdt finan\u010dn\u011b nez\u00e1visl\u00fd. Pob\u00edrat takovou rentu, kter\u00e1 mu zabezpe\u010d\u00ed jeho \u017eivotn\u00ed standard a on nebude muset chodit do pr\u00e1ce.<\/p>\n

Jen\u017ee kdy\u017e se pod\u00edv\u00e1te do investi\u010dn\u00edch pl\u00e1n\u016f t\u011bchto lid\u00ed, tak tento c\u00edl tam nenajdete. Je to paradox.<\/p>\n

\u010casto se st\u00e1v\u00e1, \u017ee ani bank\u00e9\u0159i nebo poradci o tomto c\u00edli se sv\u00fdmi klienty nemluv\u00ed. Mezi n\u00e1mi, to je jeden z ukazatel\u016f toho, jestli je to spr\u00e1vn\u00fd par\u0165\u00e1k pro Va\u0161e pen\u00edze.<\/p>\n

A druh\u00e1 v\u011bc je, \u017ee Vy sami nev\u00edte, jakou rentu vlastn\u011b chcete. Jak\u00e9 je to \u010d\u00edslo. Jak\u00e1 m\u011bs\u00ed\u010dn\u00ed renta pokryje n\u00e1klady, abyste nemuseli chodit do pr\u00e1ce.<\/p>\n

I kdy\u017e v\u00edte, jakou rentu byste cht\u011bli, tak druh\u00fd krok je…<\/p>\n

2. Nev\u00edte, kolik budete pot\u0159ebovat pen\u011bz<\/h2>\n

Jak velk\u00fd majetek budete pot\u0159ebovat na to, aby generoval cht\u011bnou rentu? Ide\u00e1ln\u011b rentu nekone\u010dnou, proto\u017ee pr\u016fm\u011brn\u00fd v\u011bk do\u017eit\u00ed se prodlu\u017euje a asi nikdo nechce pl\u00e1novat s t\u00edm, \u017ee um\u0159e v 80 a kdy\u017e ne, tak bude bez pen\u011bz odk\u00e1zan\u00fd na d\u016fchodov\u00fd syst\u00e9m.<\/p>\n

Kolik pen\u011bz budete tedy pot\u0159ebovat?<\/p>\n

To \u010d\u00edslo jde vypo\u010d\u00edtat, ale v\u00fdpo\u010det nen\u00ed \u00fapln\u011b jednoduch\u00fd.<\/p>\n

Pro rychlou p\u0159edstavu m\u016f\u017eete vych\u00e1zet z toho, \u017ee na rentu 30 000 K\u010d m\u011bs\u00ed\u010dn\u011b budete pot\u0159ebovat zhruba 10 milion\u016f korun majetku.<\/p>\n

Jednodu\u0161e si to \u010dlov\u011bk dok\u00e1\u017ee p\u0159edstavit na nemovitostech. Koup\u00ed byt za 10 miliony korun (nap\u0159. v Praze), a v\u00ed, \u017ee m\u011bs\u00ed\u010dn\u011b ho bude pronaj\u00edmat za 30 tis\u00edc korun. U finan\u010dn\u00edch aktiv je to podobn\u00e9.<\/p>\n

Ka\u017edop\u00e1dn\u011b kdy\u017e chcete vy\u0161\u0161\u00ed rentu, budete pot\u0159ebovat n\u00e1sobn\u011b v\u00edce. Naopak milion velk\u00fd rozd\u00edl v \u017eivotn\u00ed \u00farovni neud\u011bl\u00e1, ale i tak p\u0159edstavuje stovku denn\u011b \u201ena pivo\u201c.<\/p>\n

4. Netu\u0161\u00edte, co je re\u00e1ln\u00e9<\/h2>\n

Kdy\u017e \u010dlov\u011bk uvid\u00ed, kolik bude pot\u0159ebovat na rentu, tak se m\u016f\u017ee zarazit.<\/p>\n

Vypad\u00e1 to jako hodn\u011b pen\u011bz. A je to hodn\u011b pen\u011bz. Ale je mo\u017en\u00e9 toho dos\u00e1hnout.<\/p>\n

Existuj\u00ed toti\u017e dva pomocn\u00edci \u010das<\/strong> a slo\u017een\u00e9 \u00faro\u010den\u00ed<\/strong>.<\/p>\n

Z\u00edskat 10 milion\u016f z\u00edtra nen\u00ed re\u00e1ln\u00e9. Vyd\u011blat 10 milion\u016f za rok je nepravd\u011bpodobn\u00e9. Naopak pravideln\u011b odkl\u00e1dat 30 let 27.777 K\u010d m\u011bs\u00ed\u010dn\u011b je jistota, ale ne moc motivuj\u00edc\u00ed.<\/p>\n

Nenechme ale pen\u00edze le\u017eet na \u00fa\u010dtu, ale vyu\u017eijme slo\u017een\u00e9 \u00faro\u010den\u00ed aneb \u00faroky z \u00farok\u016f.<\/p>\n

Nap\u0159\u00edklad odkl\u00e1dat 17 let 30.000 K\u010d m\u011bs\u00ed\u010dn\u011b (\u010d\u00e1st z platu a bonusy) a zhodnotit je konzervativn\u00edmi 6 % p\u0159edstavuje pom\u011brn\u011b re\u00e1lnou \u0161anci, jak dos\u00e1hnout 10 milion\u016f.<\/p>\n

\"\"<\/p>\n

4. Nem\u00e1te jasno v tom, kde jste<\/h2>\n

Je to a\u017e s podivem, ale kdy\u017e se n\u011bkoho zept\u00e1te, jak\u00fd m\u00e1 majetek, tak to drtiv\u00e1 v\u011bt\u0161ina lid\u00ed nev\u00ed.<\/p>\n

Mo\u017en\u00e1 zhruba v\u00ed, kolik pen\u011bz maj\u00ed na b\u011b\u017en\u00e9m \u00fa\u010dtu. Na ten se d\u00edv\u00e1me pravideln\u011b a nos\u00edme ho v aplikaci na telefonu, tak\u017ee n\u011bjak\u00fd p\u0159ehled tu je.<\/p>\n

Kolik pen\u011bz m\u00e1te na spo\u0159\u00edc\u00edm \u00fa\u010dtu, ve stavebn\u00edm spo\u0159en\u00ed, penzijn\u00edm p\u0159ipoji\u0161t\u011bn\u00ed a dal\u0161\u00edch finan\u010dn\u00edch produktech?<\/p>\n

Zn\u00e1t svou aktu\u00e1ln\u00ed situaci je d\u016fle\u017eit\u00e9. V\u00edte, kolik m\u00e1te te\u010f. V\u00edte, kolik je\u0161t\u011b zb\u00fdv\u00e1. To m\u016f\u017ee b\u00fdt dobr\u00e1 motivace.<\/p>\n

Jak vid\u00edte v p\u0159edchoz\u00edm grafu, d\u00e1 se za\u010d\u00edt s nulou. Ale t\u0159eba prvn\u00ed investice 800.000 K\u010d znamen\u00e1 o 2 roky d\u0159\u00edve nez\u00e1vislost…<\/p>\n

\"\"<\/p>\n

5. Hled\u00e1te ide\u00e1ln\u00ed produkt<\/h2>\n

Do \u010deho investovat? Kam d\u00e1t pen\u00edze? Ide\u00e1ln\u011b rozumn\u00fdm v\u00fdnosem a minim\u00e1ln\u00edm rizikem.<\/p>\n

Na jedn\u00e9 stran\u011b stoj\u00ed ultrakonzervativn\u00ed spo\u0159\u00edc\u00ed \u00fa\u010dty, kter\u00e9 V\u00e1s v dob\u011b inflace v podstat\u011b o pen\u00edze p\u0159ipravuj\u00ed. Na druh\u00e9 stran\u011b jsou extr\u00e9mn\u011b rizikov\u00e9 p\u00e1kov\u00e9 n\u00e1stroje, kter\u00e9 funguj\u00ed jako automaty v kasinu.<\/p>\n

Mezi t\u011bmito extr\u00e9my existuj\u00ed des\u00edtky mo\u017en\u00e1 i stovky tis\u00edc investi\u010dn\u00edch n\u00e1stroj\u016f. Mysl\u00edte si, \u017ee zrovna Vy budete m\u00edt ten spr\u00e1vn\u00fd? Existuje v\u016fbec takov\u00fd? I kdyby ano, je vhodn\u00fd zrovna pro V\u00e1s?<\/p>\n

Kdy\u017e chcete postavit d\u016fm, tak jako prvn\u00ed asi nevyb\u00edr\u00e1te dla\u017edi\u010dky do koupelny. Nejd\u0159\u00edv pot\u0159ebujete n\u011bjak\u00fd projekt, pl\u00e1n prac\u00ed a teprve pak za\u010dnete stav\u011bt.<\/p>\n

U investic to ale lid\u00e9 \u010dasto d\u011blaj\u00ed obr\u00e1cen\u011b. Bez toho, aby si napl\u00e1novali cestu, jak doj\u00edt k finan\u010dn\u00ed nez\u00e1vislosti, rovnou se vrhaj\u00ed na produkty.<\/p>\n

Takhle to ale nefunguje. \u00dasp\u011bch v investic\u00edch nez\u00e1vis\u00ed na jedin\u00e9m ide\u00e1ln\u00edm produktu, ale na kombinaci produkt\u016f, kter\u00e9 V\u00e1s dok\u00e1\u017e\u00ed dov\u00e9st k c\u00edli – finan\u010dn\u00ed nez\u00e1vislosti.<\/p>\n

Kombinace produkt\u016f je samoz\u0159ejm\u011b pro ka\u017ed\u00e9ho jedine\u010dn\u00e1. Pr\u00e1v\u011b z toho, odkud vych\u00e1z\u00edte, kam sm\u011b\u0159ujete a jak\u00e1 rizika dok\u00e1\u017eete zvl\u00e1dnout.<\/p>\n

6. Nep\u0159ipou\u0161t\u00edte, \u017ee i na V\u00e1s budou p\u016fsobit emoce<\/h2>\n

Emoce k investov\u00e1n\u00ed pat\u0159\u00ed. Jsou jeho ned\u00edlnou sou\u010d\u00e1st\u00ed, ale \u0159ada lid\u00ed s nimi nepo\u010d\u00edt\u00e1. Mysl\u00ed si, \u017ee jich se jich strach a chamtivost net\u00fdk\u00e1.<\/p>\n

Jen\u017ee pak p\u0159ijde na l\u00e1m\u00e1n\u00ed chleba. Prvn\u00ed propady na trhu a panika. V\u011bt\u0161\u00ed v\u00fdnosy a obava o n\u011b. Prudk\u00fd n\u00e1r\u016fst cen aktiv a pokukov\u00e1n\u00ed po \u201eunik\u00e1tn\u00edch\u201c p\u0159\u00edle\u017eitostech.<\/p>\n

Dr. Daniel Crosby ve sv\u00e9 knize The Laws of Wealth zanalyzoval, \u017ee v letech 2000-2010 m\u011bl nejlep\u0161\u00ed fond z v\u00edce ne\u017e 8.000 zkouman\u00fdch fond\u016f v\u00fdsledek 18,2 % p.a. Jen\u017ee pr\u016fm\u011brn\u00fd investor v tomto fondu prod\u011blal – 10 % v pr\u016fb\u011bhu doby, kdy m\u011bl zainvestov\u00e1no.<\/p>\n

Pro\u010d?<\/p>\n

Bylo to kv\u016fli v\u00fdkyv\u016fm (volatilit\u011b), a pr\u00e1v\u011b emocemi spojen\u00fdmi s t\u011bmi v\u00fdkyvy. Investo\u0159i fondu nakupovali a prod\u00e1vali p\u0159esn\u011b opa\u010dn\u011b, ne\u017e to bylo ekonomicky v\u00fdhodn\u00e9.<\/p>\n

Jinak vypad\u00e1 pokles 10 % na pap\u00ed\u0159e a jinak na v\u00fdpise, kdy\u017e vid\u00edte, \u017ee ji\u017e nem\u00e1te 1.000.000 K\u010d, ale jen 900.000 K\u010d a potenci\u00e1ln\u00ed ztr\u00e1ta 100.000 K\u010d se neust\u00e1le zv\u011bt\u0161uje.<\/p>\n

Naopak p\u016fsob\u00ed v\u00fdnos 30 %, kter\u00fd jsme mohli vid\u011bt na americk\u00fdch akci\u00edch v roce 2019. Z milionu m\u00e1te 1.300.000 K\u010d, a p\u0159itom m\u00e9dia p\u00ed\u0161\u00ed o krizi.<\/p>\n

Emoc\u00edm v investov\u00e1n\u00ed jsme se detailn\u011b v\u011bnovali v \u010dl\u00e1nku 2 kritick\u00e9 emoce v investov\u00e1n\u00ed a jak je zvl\u00e1dnout<\/a>.<\/p>\n

7. Nem\u00e1te chr\u00e1n\u011bn\u00e9 portfolio<\/h2>\n

Asi nikdo nechce v investov\u00e1n\u00ed p\u0159ich\u00e1zet o sv\u00e9 pen\u00edze. Mo\u017en\u00e1 mimo s\u00e1zka\u0159\u016f, kte\u0159\u00ed stoj\u00ed u rulety a mysl\u00ed si, \u017ee \u010d\u00edm d\u00e9le s\u00e1zej\u00ed a p\u0159ich\u00e1z\u00ed o pen\u00edze, tak t\u00edm sp\u00ed\u0161 se jejich \u0161t\u011bst\u00ed obr\u00e1t\u00ed.<\/p>\n

Takhle investov\u00e1n\u00ed nefunguje. Ka\u017ed\u00e1 ztr\u00e1ta bol\u00ed a znamen\u00e1 dny, t\u00fddny, m\u011bs\u00edce i roky \u017eivota, o kter\u00e9 se prodlou\u017e\u00ed cesta k rent\u011b. A to v p\u0159\u00edpad\u011b, \u017ee u\u017e nen\u00ed pozd\u011b. Ne nadarmo n\u00e1m lid\u00e9 po \u0161edes\u00e1tce \u0159\u00edkaj\u00ed: \u201e\u0160koda, \u017ee jsem V\u00e1s nepotkal d\u0159\u00edve.\u201c<\/p>\n

Jen\u017ee lid\u00e9 \u010dasto riskuj\u00ed nev\u011bdom\u011b. Neznaj\u00ed detaily produkt\u016f. Nep\u0159edstav\u00ed si r\u016fzn\u00e9 sc\u00e9n\u00e1\u0159e v\u00fdvoje budoucnosti. Nev\u00ed, do \u010deho investuj\u00ed.<\/p>\n

Riskuj\u00ed a p\u0159ich\u00e1z\u00ed o pen\u00edze. Tu nalet\u00ed k\u00e1mo\u0161ovi, kter\u00fd vyd\u011bl\u00e1v\u00e1 30 % m\u011bs\u00ed\u010dn\u011b. Tu daj\u00ed na tajn\u00e9 doporu\u010den\u00ed od makl\u00e9\u0159e. Tu po\u0159\u00edd\u00ed dluhopis milovan\u00e9 internetov\u00e9 firmy, kter\u00e1 zkrachuje. Tu koup\u00ed osobn\u00ed sm\u011bnky s p\u011bkn\u00fdm v\u00fdnosem, kter\u00e9 se uk\u00e1\u017eou jako nevymahateln\u00e9.<\/p>\n

Riskuj\u00ed t\u0159eba i t\u00edm, \u017ee ve\u0161ker\u00fd majetek i investice maj\u00ed jen v \u010cesk\u00e9 republice. Maj\u00ed tu vlastn\u00ed d\u016fm, firmu, nemovitosti, kter\u00e9 pronaj\u00edmaj\u00ed i investi\u010dn\u00ed produkty. Nakoup\u00ed akcie a dluhopisy \u010desk\u00fdch firem. V \u010desk\u00fdch korun\u00e1ch.<\/p>\n

Takhle by rozumn\u011b bezpe\u010dn\u00e9 portfolio rozhodn\u011b vypadat nem\u011blo.<\/p>\n

M\u00e1me \u010ceskou republiku r\u00e1di, ale s\u00e1zet na to, \u017ee budeme \u0160v\u00fdcarskem St\u0159edn\u00ed Evropy a nikdy se tu nem\u016f\u017ee nic st\u00e1t, je podle n\u00e1s p\u0159\u00edli\u0161 velk\u00fd risk.<\/p>\n

8. Nedodr\u017eujete pl\u00e1n<\/h2>\n

Zn\u00e1te po\u0159ekadlo: \u201ePravidla jsou od toho, aby se poru\u0161ovala\u201c?<\/p>\n

Rebelov\u00e9 p\u0159itahuj\u00ed pozornost. V novin\u00e1ch \u010dteme o tom, jak se Tesla stala nejv\u011bt\u0161\u00ed automobilkou sv\u011bta.<\/p>\n

Ob\u010das se poru\u0161en\u00ed pravidel m\u016f\u017ee vyplatit. Ale tak\u00e9 existuje po\u0159ekadlo \u201eTak dlouho se chod\u00ed se d\u017eb\u00e1nem do lesa, a\u017e se ucho utrhne.\u201c<\/p>\n

Nep\u0159ejeme Tesle nic \u0161patn\u00e9ho. Dokonce Elonovi i fand\u00edme. Ale nes\u00e1z\u00edme na n\u011bj.<\/p>\n

Uv\u011bdomujeme si, \u017ee budeme investovat v principu des\u00edtky let a to, \u017ee jednou n\u011bco n\u00e1hodou vyjde, neznamen\u00e1, \u017ee to vyjde podruh\u00e9.<\/p>\n

Ba naopak.<\/p>\n

Kdy\u017e poru\u0161en\u00ed pravidel vyjde jednou, \u010dlov\u011bk z\u00edsk\u00e1 kur\u00e1\u017e zkusit to znovu a ve v\u011bt\u0161\u00edm. Takov\u00e9 p\u0159\u00edpady nekon\u010d\u00ed vesele. P\u0159\u00edb\u011bh\u016f z minulosti bychom mohli naj\u00edt mraky.<\/p>\n

Nechceme t\u00edm \u0159\u00edct, \u017ee byste m\u011bli slep\u011b p\u0159eb\u00edrat pravidla jin\u00fdch. Naopak. Poznejte investov\u00e1n\u00ed a stanovte si takov\u00e1 vlastn\u00ed pravidla. A na t\u011bch pravidlech postavte pl\u00e1n, kter\u00e9ho se budete dr\u017eet.<\/p>\n

Ne demagogicky, ale rozumn\u011b.<\/p>\n

Kdy\u017e m\u00edsto 20 000 K\u010d m\u011bs\u00ed\u010dn\u011b po\u0161lete jednor\u00e1zov\u011b na konci roku 240 000 K\u010d, nen\u00ed to pro Va\u0161i rentu v\u00fdznamn\u00fd probl\u00e9m. Pokud ale ty pen\u00edze nepo\u0161lete v\u016fbec, tak u\u017e to probl\u00e9m bude. Pen\u00edze V\u00e1m budou chyb\u011bt a finan\u010dn\u00ed nez\u00e1vislost se o 1 rok vzd\u00e1l\u00ed.<\/p>\n

Kdy\u017e si hrajete s Bitcoinem s 5 % sv\u00e9ho majetku a p\u0159ijdete o n\u011b, tak se sv\u011bt nezbo\u0159\u00ed. Pokud m\u00e1te v Bitcoinu ve\u0161ker\u00fd majetek, vykl\u00e1d\u00e1te v\u0161ude, \u017ee kryptom\u011bny jsou budoucnost, a je\u0161t\u011b si na n\u011b p\u016fj\u010d\u00edte, proto\u017ee jsou n\u00edzk\u00e9 \u00faroky, hrajete si ohn\u011bm, kter\u00fd m\u016f\u017ee Va\u0161i budoucnost prom\u011bnit v doutnaj\u00edc\u00ed sp\u00e1leni\u0161t\u011b.<\/p>\n

9. Nem\u00e1te rezervu na nepl\u00e1novan\u00e9 v\u00fddaje<\/h2>\n

V\u017edy se m\u016f\u017ee st\u00e1t n\u011bco ne\u010dekan\u00e9ho.<\/p>\n

To by n\u00e1s nem\u011blo paralyzovat, ale motivovat n\u00e1s, abychom se dostate\u010dn\u011b p\u0159ipravili.<\/p>\n

Ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, dlouhodob\u00e1 nemoc, boura\u010dka, rozvod ovlivn\u00ed Va\u0161i schopnost odkl\u00e1dat si pen\u00edze na budoucnost a t\u00edm p\u00e1dem i cestu k rent\u011b.<\/p>\n

Pokud budete pot\u0159ebovat nutn\u011b n\u011bjak\u00e9 pen\u00edze a nebudete m\u00edt volnou hotovost, budete muset s\u00e1hnout do portfolia a n\u011bkter\u00e9 produkty prodat. A to nemus\u00ed b\u00fdt zrovna ve vhodnou dobu a prod\u011bl\u00e1te hodn\u011b pen\u011bz.<\/p>\n

Lid\u00e9, kte\u0159\u00ed p\u0159i\u0161li o pr\u00e1ci v dob\u011b COVIDu nebo podlehli panice a prodali sv\u00e9 investice, proto\u017ee pot\u0159ebovali pen\u00edze, po\u010d\u00edtaj\u00ed ztr\u00e1ty.<\/p>\n

Lid\u00e9, kte\u0159\u00ed byli v podobn\u00e9 situaci, m\u011bli n\u011bkolikam\u011bs\u00ed\u010dn\u00ed rezervu a z\u016fstali zainvestovan\u00ed nebo dokonce nakupovali, pova\u017euj\u00ed rok 2020 za velmi \u00fasp\u011b\u0161n\u00fd. Z investi\u010dn\u00edho pohledu samoz\u0159ejm\u011b.<\/p>\n

Rezerva na spo\u0159\u00edc\u00edm \u00fa\u010dtu sice nic nevyd\u011bl\u00e1, ale jej\u00ed \u00fa\u010del nen\u00ed vyd\u011bl\u00e1vat, ale poskytovat pomoc v p\u0159\u00edpad\u011b nutnosti.<\/p>\n

Dal\u0161\u00edmi vhodn\u00fdmi n\u00e1stroji pro ne\u010dekan\u00e9 ud\u00e1losti jsou pojistky pro p\u0159\u00edpad nemoci, invalidity nebo dokonce \u00famrt\u00ed. Pojistn\u00e9 v \u0159\u00e1dech stovek korun V\u00e1m m\u016f\u017ee ochr\u00e1nit portfolio, i pokud se stane n\u011bco ne\u010dekan\u00e9ho.<\/p>\n

10. Nenajdete si dostatek \u010dasu (nebo ho v\u011bnujete p\u0159\u00edli\u0161)<\/h2>\n

Investov\u00e1n\u00ed nen\u00ed slo\u017eit\u00e9. A nezabere ani tolik \u010dasu.<\/p>\n

Kdy\u017e v\u00edte, co d\u011bl\u00e1te. A nejste na v\u0161echno sami.<\/p>\n

Jsou to spojen\u00e9 n\u00e1doby.<\/p>\n

Myslet si, \u017ee na n\u011bkoho p\u0159ehod\u00edte starost o Va\u0161e pen\u00edze, budete mu slep\u011b d\u016fv\u011b\u0159ovat a on\u00a0V\u00e1s nebude otravovat s t\u00edm, co se d\u011bje, m\u016f\u017ee bolet. Mo\u017en\u00e1 ne hned, mo\u017en\u00e1 ne za rok, za p\u011bt, ale a\u017e za 15 let, kdy\u017e budete cht\u00edt \u010derpat svou rentu.<\/p>\n

Naopak chu\u0165 poznat ve\u0161ker\u00e9 detaily investov\u00e1n\u00ed, sledovat r\u016fzn\u00e9 zdroje informac\u00ed V\u00e1m vezme \u010das, kter\u00fd m\u016f\u017eete v\u011bnovat n\u011b\u010demu u\u017eite\u010dn\u011bj\u0161\u00edmu. A\u0165 u\u017e vyd\u011bl\u00e1v\u00e1n\u00ed pen\u011bz svou prac\u00ed nebo byznysem nebo sv\u00e9 rodin\u011b.<\/p>\n

Z na\u0161\u00ed zku\u0161enosti vid\u00edme, \u017ee lidem sta\u010d\u00ed cca 10 hodin intenzivn\u00edho kurzu, aby pochopili a za\u017eili si principy dlouhodob\u00e9ho investov\u00e1n\u00ed. N\u00e1sledn\u011b pak v\u011bnuj\u00ed m\u011bs\u00ed\u010dn\u011b hodinu a\u017e dv\u011b na d\u016fle\u017eit\u00e9 zpr\u00e1vy z trhu, kter\u00e9 pro n\u011b ka\u017ed\u00fd t\u00fdden shrneme.<\/p>\n

Spousta mo\u017enost\u00ed kde klop\u00fdtnout<\/h2>\n

To bylo 10 chyb, kter\u00fdch se m\u016f\u017eete na sv\u00e9 cest\u011b ke sv\u00e9 rent\u011b dopustit. N\u011bkter\u00e9 mohou b\u00fdt fat\u00e1ln\u00ed, n\u011bkter\u00e9 v\u00e1m pouze zkomplikuj\u00ed dos\u00e1hnut\u00ed finan\u010dn\u00ed nez\u00e1vislosti, ale v ka\u017ed\u00e9m p\u0159\u00edpad\u011b se jim d\u00e1 p\u0159edej\u00edt.<\/p>\n

T\u0159eba t\u00edm, \u017ee nebudete slep\u011b d\u016fv\u011b\u0159ovat tomu, co \u0159\u00edkaj\u00ed druz\u00ed, ale budete se o sv\u00e9 pen\u00edze starat prim\u00e1rn\u011b sami. Budete pozn\u00e1vat sebe i sv\u011bt pen\u011bz. A nejlep\u0161\u00ed na tom je, \u017ee na to nemus\u00edte b\u00fdt sami.<\/p>\n

V digit\u00e1ln\u00edm poradenstv\u00ed eFrank.cz pom\u00e1h\u00e1me 547 aktivn\u00edm investor\u016fm investovat 930 162 378 K\u010d tak, aby jednoho dne dos\u00e1hli sv\u00e9 finan\u010dn\u00ed nez\u00e1vislosti. (\u00dadaje z 13. 7. 2021)<\/p>\n

Na\u0161e klienty vzd\u011bl\u00e1v\u00e1me, p\u0159ipravujeme jim doporu\u010den\u00ed ke schv\u00e1len\u00ed, hl\u00edd\u00e1me jejich portfolia, pom\u00e1h\u00e1me jim dr\u017eet emoce na uzd\u011b a reagujeme na situaci na trhu i u nich doma.<\/p>\n

Zjistit v\u00edce<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Dos\u00e1hnout finan\u010dn\u00ed nez\u00e1vislosti, st\u00e1t se renti\u00e9rem a m\u00edt mo\u017enost odej\u00edt do p\u0159ed\u010dasn\u00e9ho d\u016fchodu je velk\u00fd c\u00edl, ale jeho dosa\u017een\u00ed si \u010dasto d\u011bl\u00e1me t\u011b\u017e\u0161\u00ed, ne\u017e je t\u0159eba.
\nTady je 10 velk\u00fdch chyb, kter\u00fdch se lid\u00e9 \u010dasto dopou\u0161t\u011bj\u00ed p\u0159i investov\u00e1n\u00ed sv\u00fdch pen\u011bz a nestanou se kv\u016fli nim renti\u00e9ry, i kdy\u017e by mohli.<\/p>\n","protected":false},"author":3,"featured_media":127,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[],"class_list":{"0":"post-121","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-clanky","8":"entry"},"yoast_head":"\n10 investi\u010dn\u00edch chyb, kter\u00e9 mohou p\u0159ekazit Va\u0161i cestu k finan\u010dn\u00ed nez\u00e1vislosti - eFrank | Digit\u00e1ln\u00ed investi\u010dn\u00ed poradenstv\u00ed<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fichtner.cz\/10-investicnich-chyb-financni-nezavislost\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 investi\u010dn\u00edch chyb, kter\u00e9 mohou p\u0159ekazit cestu k finan\u010dn\u00ed nez\u00e1vislosti\" \/>\n<meta property=\"og:description\" content=\"Neopakujte zbyte\u010dn\u00e9 a drah\u00e9 chyby, kte\u0159\u00ed ud\u011blali druz\u00ed.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fichtner.cz\/10-investicnich-chyb-financni-nezavislost\/\" \/>\n<meta property=\"og:site_name\" content=\"eFrank | Digit\u00e1ln\u00ed investi\u010dn\u00ed poradenstv\u00ed\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fichtner.investment\/\" \/>\n<meta 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