{"id":48,"date":"2021-02-16T13:22:20","date_gmt":"2021-02-16T12:22:20","guid":{"rendered":"https:\/\/www.efrank.cz\/blog\/?p=48"},"modified":"2022-04-20T08:22:17","modified_gmt":"2022-04-20T07:22:17","slug":"investicni-riziko-uspesni-lide","status":"publish","type":"post","link":"https:\/\/www.efrank.cz\/blog\/investicni-riziko-uspesni-lide\/","title":{"rendered":"Jedno z nejv\u011bt\u0161\u00edch investi\u010dn\u00edch rizik, kter\u00e9 \u00fasp\u011b\u0161n\u00ed lid\u00e9 nev\u011bdomky podstupuj\u00ed"},"content":{"rendered":"

\u201eCo je podle v\u00e1s nejv\u011bt\u0161\u00ed riziko?\u201c<\/em><\/p>\n

Kdy\u017e se zept\u00e1te opravdu bohat\u00fdch lid\u00ed, tak v\u00e1m v\u011bt\u0161ina z nich odpov\u00ed n\u011bco ve stylu: \u201eP\u0159ijdu o to, co u\u017e m\u00e1m.<\/em>\u201d<\/p>\n

Ano, skute\u010dn\u011b, kdy\u017e by \u010dlov\u011bk p\u0159i\u0161el o des\u00edtky nebo stovky milion\u016f, kter\u00e9 u\u017e vyd\u011blal, nemus\u00ed se mu poda\u0159it je vyd\u011blat znovu. Nemus\u00ed se mu poda\u0159it vybudovat dal\u0161\u00ed \u00fasp\u011b\u0161nou firmu a tu prodat.<\/p>\n

To plat\u00ed pro velmi bohat\u00e9, ale pro v\u011bt\u0161inu lid\u00ed nen\u00ed nejv\u011bt\u0161\u00edm rizikem, \u017ee p\u0159ijdou o pen\u00edze.<\/p>\n

Mnohem v\u011bt\u0161\u00ed riziko spo\u010d\u00edv\u00e1 v tom, \u017ee se jim nepoda\u0159\u00ed vybudovat dostate\u010dn\u00fd majetek a v kone\u010dn\u00e9m d\u016fsledku \u201esv\u00e9 pen\u00edze p\u0159e\u017eij\u00ed\u201d.<\/p>\n

Pohodl\u00ed nebude trvat v\u011b\u010dn\u011b<\/h2>\n

Kdy\u017e m\u00e1te p\u0159\u00edjem 2,5 milionu ro\u010dn\u011b, \u010d\u00e1st pen\u011bz ve sv\u00e9m investi\u010dn\u00edm portfoliu a pohodln\u00fd \u017eivotn\u00ed styl, tak to m\u016f\u017ee vyvol\u00e1vat pocit bezpe\u010d\u00ed.<\/p>\n

Ale kdy\u017e se spokoj\u00edte s t\u00edm, co m\u00e1te v sou\u010dasnosti, tak d\u011bl\u00e1te velkou chybou.<\/p>\n

Pro udr\u017een\u00ed sv\u00e9ho \u017eivotn\u00edho standardu i po odchodu na odpo\u010dinek toti\u017e budete pot\u0159ebovat mnohem v\u00edce kapit\u00e1lu, ne\u017e si mysl\u00edte.<\/p>\n

Mysl\u00edme si, \u017ee se v\u011bt\u0161ina \u010cech\u016f (a Moravan\u016f) pot\u0159ebuje probudit ze sna.<\/p>\n

Pro\u010d?<\/p>\n

Poj\u010fme se pod\u00edvat na n\u011bkolik d\u016fvod\u016f:<\/p>\n

Podce\u0148ujeme, kolik pen\u011bz budeme pot\u0159ebovat<\/h2>\n

P\u0159enesme se do budoucnosti.<\/p>\n

P\u0159edstavte si, \u017ee je v\u00e1m 60 let. M\u00e1te kde bydlet. D\u011bti u\u017e maj\u00ed sv\u00e9 vlastn\u00ed d\u011bti.<\/p>\n

Ale pokud se nechcete uskromnit, tak va\u0161e v\u00fddaje neklesnou. Jen se p\u0159esm\u011bruj\u00ed.<\/p>\n

V\u00edc pen\u011bz v\u011bnujete sob\u011b, sv\u00e9mu zdrav\u00ed, cestov\u00e1n\u00ed (ano, jednou to op\u011bt bude mo\u017en\u00e9) a pohodl\u00ed. A hlavn\u011b budete m\u00edt v\u00edce voln\u00e9ho \u010dasu a asi ho nebudete cht\u00edt tr\u00e1vit u televize.<\/p>\n

\"\"Profesor psychologie a behavior\u00e1ln\u00ed ekonomie Dan Ariely (m\u016f\u017eete zn\u00e1t jeho knihu Jak drah\u00e9 je zdarma) se v jednom pr\u016fzkumu ptal lid\u00ed, kolik si mysl\u00ed, \u017ee budou pot\u0159ebovat pro svou finan\u010dn\u00ed nez\u00e1vislost.<\/p>\n

Lid\u00e9 bez rozmyslu odpov\u00eddali 70 % sv\u00fdch nyn\u011bj\u0161\u00edch p\u0159\u00edjm\u016f.<\/p>\n

Kdy\u017e to s nimi probral \u010dlov\u011bk od profesora Arielyho, zjistili, \u017ee realita je jin\u00e1.<\/p>\n

Daleko sp\u00ed\u0161 budou pot\u0159ebovat 130 % sv\u00fdch nyn\u011bj\u0161\u00edch p\u0159\u00edjm\u016f.<\/p>\n

Nejlevn\u011bj\u0161\u00ed je toti\u017e chodit do pr\u00e1ce. Kdy\u017e jste v pr\u00e1ci tak vyd\u011bl\u00e1v\u00e1te a neutr\u00e1c\u00edte. Kdy\u017e m\u00e1te volno, tak utr\u00e1c\u00edte a nevyd\u011bl\u00e1v\u00e1te. (zdroj pr\u016fzkumu Wall Street Journal<\/a>)<\/p>\n

Zapom\u00edn\u00e1me, jak dlouho n\u00e1m pen\u00edze mus\u00ed vydr\u017eet<\/h2>\n

\u017dijeme st\u00e1le d\u00e9le a d\u00e9le.<\/p>\n

To je zcela ur\u010dit\u011b dobr\u00e1 zpr\u00e1va pro v\u00e1s, ale ne tak \u00fapln\u011b dobr\u00e1 zpr\u00e1va pro va\u0161i pen\u011b\u017eenku.<\/p>\n

O st\u00e1tn\u00edm rozpo\u010dtu, ze kter\u00e9ho se plat\u00ed d\u016fchody, rad\u011bji mluvit nebudeme. Sami na p\u0159\u00edkladu pandemie vid\u00edme, jak se n\u00e1\u0161 st\u00e1t um\u00ed vypo\u0159\u00e1dat s krizovou situac\u00ed.<\/p>\n

Po\u010dty jsou to velmi jednoduch\u00e9.<\/p>\n

V \u010cesk\u00e9 republice byla st\u0159edn\u00ed d\u00e9lka \u017eivota v letech 2015-2016 p\u0159ibli\u017en\u011b 76 let u mu\u017e\u016f a 82 let u \u017een. Podle st\u0159edn\u00edch p\u0159edpov\u011bd\u00ed OSN bude v roce 2050 tento v\u011bk \u010dinit 82, respektive 86 let. (Zdroj Wikipedia<\/a>)<\/p>\n

M\u00edsto toho, abyste ze sv\u00fdch pen\u011bz \u017eili maxim\u00e1ln\u011b 17 let, tak v\u00e1m budou muset sta\u010dit na 20, 25 i 30 a v\u00edce let.<\/p>\n

\"\"<\/p>\n

P\u0159edpokl\u00e1d\u00e1me, \u017ee z\u016fstaneme zdrav\u00ed<\/h2>\n

Zdravotnictv\u00ed je u n\u00e1s (zat\u00edm) zdarma a na velmi dobr\u00e9 \u00farovni.<\/p>\n

Ale i p\u0159esto si kvalitn\u00ed osobn\u00ed p\u00e9\u010di mus\u00edme zaplatit ze sv\u00e9ho.<\/p>\n

Ceny za kvalitn\u00ed l\u00e9ky, vitam\u00edny, p\u0159\u00edpravky a potravinov\u00e9 dopl\u0148ky rostou.<\/p>\n

Ro\u010dn\u00ed n\u00e1klady ve stovk\u00e1ch tis\u00edc ro\u010dn\u011b na pe\u010dovatelsk\u00fd d\u016fm si \u010dlov\u011bk uv\u011bdom\u00ed, a\u017e kdy\u017e se t\u00fdkaj\u00ed n\u011bkoho bl\u00edzk\u00e9ho.<\/p>\n

Pop\u0159em\u00fd\u0161let o v\u00fdvoji dlouhodob\u00e9 p\u00e9\u010de v \u010cR m\u016f\u017eete u pom\u011brn\u011b rozs\u00e1hl\u00e9 studie<\/a> z roku 2019.<\/p>\n

Odkl\u00e1d\u00e1me mnohem m\u00e9n\u011b, ne\u017e bychom m\u011bli<\/h2>\n

M\u00edra \u00faspor se v \u010cesk\u00e9 republice pohybuje nad 10 %. Hur\u00e1!<\/p>\n

\"\"
Re\u00e1ln\u00fd r\u016fst p\u0159\u00edjm\u016f, m\u00edra \u00faspor a m\u00edra investic sektoru dom\u00e1cnost\u00ed (%) zdroj Statistika & My 4\/2020<\/a><\/figcaption><\/figure>\n

Vzhledem k r\u016fstu n\u00e1kupn\u00ed s\u00edly v absolutn\u00edch \u010d\u00edslech velmi zaost\u00e1v\u00e1me za z\u00e1padn\u00edm sv\u011btem.<\/p>\n

10 % z pr\u016fm\u011brn\u00e9 mzdy u n\u00e1s a 10 % z pr\u016fm\u011brn\u00e9 mzdy v N\u011bmecku je velk\u00fd rozd\u00edl.<\/p>\n

P\u0159itom ceny produkt\u016f jsou srovnateln\u00e9 a do budoucna budeme doh\u00e1n\u011bt i ceny slu\u017eeb.<\/p>\n

Kolik pen\u011bz tedy ve skute\u010dnosti pot\u0159ebujete?<\/h2>\n

Pro \u00fasp\u011b\u0161n\u00e9ho \u010dlov\u011bka, kter\u00fd si chce zachovat sv\u016fj \u017eivotn\u00ed styl, jsou \u010d\u00edsla ohromuj\u00edc\u00ed.<\/p>\n

Vezm\u011bme si 45let\u00e9ho mana\u017eera, kter\u00fd si vyd\u011bl\u00e1 1 200 000 K\u010d ro\u010dn\u011b, tj. 100 000 korun m\u011bs\u00ed\u010dn\u011b.<\/p>\n

Za 20 let bude pot\u0159ebovat 12 milion\u016f, kter\u00e9 mu sta\u010d\u00ed na 15 let (pak nezbude nic), ani\u017e by si sni\u017eoval svou \u017eivotn\u00ed \u00farove\u0148.<\/p>\n

A to je p\u0159ed inflac\u00ed. V dne\u0161n\u00edch cen\u00e1ch.<\/p>\n

P\u0159i pr\u016fm\u011brn\u00e9 inflaci 3,5 % se koncov\u00e1 \u010d\u00e1stka za 20 let zdvojn\u00e1sobuje na 24 milion\u016f korun.<\/p>\n

Pro nekone\u010dnou rentu 100 tis\u00edc K\u010d m\u011bs\u00ed\u010dn\u011b (pro n\u011bj i dal\u0161\u00ed generace) pak pot\u0159ebuje zhruba 36 milion\u016f korun v dne\u0161n\u00edch cen\u00e1ch.<\/p>\n

To jsou \u010d\u00edsla, ze kter\u00fdch se m\u016f\u017ee to\u010dit hlava.<\/p>\n

Jeden typ lid\u00ed za\u010dne p\u0159em\u00fd\u0161let nad t\u00edm, kde u\u0161et\u0159\u00ed. \u010c\u00e1st pen\u011bz p\u0159eci dostanou v d\u016fchodech (doufejme). A rozhodn\u011b nebudou pot\u0159ebovat tolik.<\/p>\n

Druh\u00fd typ lid\u00ed za\u010dne p\u0159em\u00fd\u0161let nad t\u00edm…<\/p>\n

Jak se p\u0159ipravit na budoucnost<\/h2>\n

Pokud nejste miliard\u00e1\u0159 typu Bill Gates, Mark Zuckerberg nebo Andrej Babi\u0161, kte\u0159\u00ed maj\u00ed sv\u00e9 nadace nebo sv\u011b\u0159eneck\u00e9 fondy, tak stoj\u00ed za to pop\u0159em\u00fd\u0161let, jak se k takov\u00e9mu majetku doberete.<\/p>\n

My\u0161lenka na rychl\u00e9 zn\u00e1soben\u00ed toho, co m\u00e1te, je obvyklou past\u00ed.<\/p>\n

Dal\u0161\u00ed past\u00ed je i pouh\u00e9 spo\u0159en\u00ed a \u0161et\u0159en\u00ed.<\/p>\n

Je pot\u0159eba hledat rozumn\u00e9 zhodnocen\u00ed<\/a>, kter\u00e9 vyd\u011bl\u00e1 v\u00edce ne\u017e je inflace, a postupn\u011b odkl\u00e1dat dal\u0161\u00ed pen\u00edze stranou.<\/p>\n

Konzervativn\u00ed (ne)bezpe\u010d\u00ed<\/h2>\n

N\u011bkte\u0159\u00ed \u201ekonzervativn\u00ed\u201c investo\u0159i vol\u00ed pro sv\u00e9 pen\u00edze \u201ebezpe\u010dn\u00e9\u201c investice jako spo\u0159\u00edc\u00ed \u00fa\u010dty, term\u00ednovan\u00e9 vklady a dluhopisy.<\/p>\n

Maj\u00ed pocit bezpe\u010d\u00ed, proto\u017ee nevid\u00ed \u017e\u00e1dn\u00e9 v\u00fdkyvy v hodnot\u011b.<\/p>\n

Ale ironi\u00ed je, \u017ee jde o pouhou iluzi.<\/p>\n

Za 20 let toti\u017e takov\u00e1 aktiva ztrat\u00ed a\u017e polovinu sv\u00e9 hodnoty p\u0159i r\u016fstu \u017eivotn\u00edch n\u00e1klad\u016f 3,5% ro\u010dn\u011b.<\/p>\n

Inflace je toti\u017e neviditeln\u00fd \u017erout ulo\u017een\u00fdch pen\u011bz.<\/p>\n

\u010clov\u011bk tedy pouze vym\u011bnil jedno riziko v\u00fdkyv\u016f za riziko druh\u00e9, \u017ee p\u0159e\u017eije sv\u00e9 pen\u00edze.<\/p>\n

Senior analytik Tom\u00e1\u0161 Tyl tak\u00e9 upozor\u0148uje na d\u016fle\u017eitou v\u011bc, na kterou lid\u00e9 ve sv\u00fdch \u201ebezpe\u010dn\u00fdch\u201d investic\u00edch \u010dasto zapom\u00ednaj\u00ed<\/a>.<\/p>\n

3 cesty pro neinvestory<\/h2>\n

Pokud va\u0161e pen\u00edze a investice nevyd\u011bl\u00e1vaj\u00ed tolik, abyste na konci m\u011bli pot\u0159ebn\u00fd majetek, tak m\u00e1te 3 mo\u017enosti:<\/p>\n

    \n
  1. Budete v\u00edc vyd\u011bl\u00e1vat vy svou prac\u00ed.<\/li>\n
  2. Za\u010dnete \u0161et\u0159it a uskromn\u00edte se, abyste vykompenzovali n\u00edzk\u00fd v\u00fdnos ze sv\u00fdch investic.<\/li>\n
  3. Budete muset z\u016fstat v pr\u00e1ci do pozd\u011bj\u0161\u00edho v\u011bku – t\u0159eba do 70 nebo 75 let.<\/li>\n<\/ol>\n

    Jedna v\u011bc je jist\u00e1…<\/p>\n

    Pro dlouhodob\u00e9 uchov\u00e1n\u00ed hodnoty va\u0161eho majetku jsou term\u00ednovan\u00e9 vklady a dluhopisy tou nejrizikov\u011bj\u0161\u00ed cestou, kterou se m\u016f\u017eete vydat<\/strong>.<\/p>\n

    My v eFrank.cz<\/a> pom\u00e1h\u00e1me lidem investovat, aby vybudovali takov\u00fd majetek, ze kter\u00e9ho jednoho dne budou \u010derpat rentu.<\/p>\n","protected":false},"excerpt":{"rendered":"

    \u201eCo je podle v\u00e1s nejv\u011bt\u0161\u00ed riziko?\u201c
    \nOdpov\u011b\u010f skute\u010dn\u011b bohat\u00fdch a b\u011b\u017en\u00fdch lid\u00ed se z\u00e1sadn\u011b odli\u0161uj\u00ed.<\/p>\n","protected":false},"author":3,"featured_media":58,"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":[5],"class_list":{"0":"post-48","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-clanky","8":"tag-riziko","9":"entry"},"yoast_head":"\nJedno z nejv\u011bt\u0161\u00edch investi\u010dn\u00edch rizik, kter\u00e9 \u00fasp\u011b\u0161n\u00ed lid\u00e9 nev\u011bdomky podstupuj\u00ed - eFrank | Digit\u00e1ln\u00ed investi\u010dn\u00ed poradenstv\u00ed<\/title>\n<meta name=\"robots\" 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