[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ochmt.cz\/kam-lze-investovat\/#Article","mainEntityOfPage":"https:\/\/www.ochmt.cz\/kam-lze-investovat\/","headline":"Kam lze investovat?","name":"Kam lze investovat?","description":"Na investic\u00edch se pr\u00fd d\u00e1 na rozd\u00edl od notoricky zn\u00e1m\u00fdch finan\u010dn\u00edch produkt\u016f porazit inflace a snad dokonce i vyd\u011blat. Ov\u0161em tak\u00e9 prod\u011blat. Proto\u017ee p\u0159i investov\u00e1n\u00ed nem\u00e1 \u010dlov\u011bk v\u00edcem\u00e9n\u011b nic jist\u00e9, nikdo se mu za vlo\u017een\u00e9 pen\u00edze nezaru\u010d\u00ed. A jedin\u00e9, co tu m\u016f\u017ee b\u00fdt ur\u010ditou jistotou, je to, \u017ee jsou investi\u010dn\u00ed mo\u017enosti s rizikem tu men\u0161\u00edm a […]","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.ochmt.cz\/author\/#Person","name":"","url":"https:\/\/www.ochmt.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ochmt.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ochmt.cz\/wp-content\/uploads\/img_a336921_w2644_t1550230524.jpg","url":"https:\/\/www.ochmt.cz\/wp-content\/uploads\/img_a336921_w2644_t1550230524.jpg","height":0,"width":0},"url":"https:\/\/www.ochmt.cz\/kam-lze-investovat\/","about":["Finance"],"wordCount":649,"articleBody":"Na investic\u00edch se pr\u00fd d\u00e1 na rozd\u00edl od notoricky zn\u00e1m\u00fdch finan\u010dn\u00edch produkt\u016f porazit inflace a snad dokonce i vyd\u011blat. Ov\u0161em tak\u00e9 prod\u011blat. Proto\u017ee p\u0159i investov\u00e1n\u00ed nem\u00e1 \u010dlov\u011bk v\u00edcem\u00e9n\u011b nic jist\u00e9, nikdo se mu za vlo\u017een\u00e9 pen\u00edze nezaru\u010d\u00ed. A jedin\u00e9, co tu m\u016f\u017ee b\u00fdt ur\u010ditou jistotou, je to, \u017ee jsou investi\u010dn\u00ed mo\u017enosti s rizikem tu men\u0161\u00edm a tu t\u0159eba i ohromn\u00fdm. A \u010dlov\u011bk si tak m\u016f\u017ee vybrat, zda vsad\u00ed na v\u011bt\u0161\u00ed \u010di men\u0161\u00ed jistotu – ov\u0161em ruku v ruce s t\u00edm i na men\u0161\u00ed nebo v\u011bt\u0161\u00ed zisk, jen\u017e to obn\u00e1\u0161\u00ed.\tM\u016f\u017eeme investovat kup\u0159\u00edkladu do dluhopis\u016f.\t–          V podob\u011b st\u00e1tn\u00edch dluhopis\u016f p\u016fj\u010dujeme pen\u00edze st\u00e1tu, kter\u00fd je pou\u017e\u00edv\u00e1 k financov\u00e1n\u00ed investi\u010dn\u00edch projekt\u016f (nebo jin\u00fdm i dost pochybn\u00fdm aktivit\u00e1m, jak mus\u00edm konstatovat). Vyrovn\u00e1v\u00e1 se jimi schodek st\u00e1tn\u00edho rozpo\u010dtu nebo se z toho plat\u00ed \u0161kody zp\u016fsoben\u00e9 p\u0159\u00edrodn\u00edmi katastrofami (mezi n\u011b\u017e lze podle m\u011b za\u0159adit i po\u010d\u00edn\u00e1n\u00ed leckter\u00fdch politik\u016f). Tyto dluhopisy nep\u0159in\u00e1\u0161ej\u00ed investorovi \u017e\u00e1dn\u00fd extra \u00farok, ov\u0161em jsou i jen minim\u00e1ln\u011b rizikov\u00e9.\t–          Sv\u00e9 dluhopisy pak vyd\u00e1vaj\u00ed i mnoh\u00e9 polost\u00e1tn\u00ed firmy. Ani ty nenab\u00edzej\u00ed \u017e\u00e1dn\u00e9 extra \u00faroky, ov\u0161em na druhou stranu ani tyto nejsou p\u0159\u00edli\u0161 rizikov\u00e9.\t–          Pak tu m\u00e1me i pod\u00edlov\u00e9 dluhopisov\u00e9 fondy, v nich\u017e se investuje st\u0159edn\u011b- a\u017e dlouhodob\u011b do portfolia n\u011bkolika variant dluhopis\u016f \u010di do varianty pouze jedin\u00e9. Tyto jsou ji\u017e rizikov\u00e9, by\u0165 je riziko sn\u00ed\u017eeno t\u00edm, \u017ee jsou v takov\u00e9m portfoliu dluhopisy v\u00edce firem a p\u0159\u00edpadn\u00fd nezdar jedn\u00e9 tak kompenzuj\u00ed ty \u00fasp\u011b\u0161n\u00e9.\t\t–          Kotovan\u00e9 dluhopisy u\u017e jsou skute\u010dn\u00e9 cenn\u00e9 pap\u00edry registrovan\u00e9 na burze, kde s nimi lze obchodovat. Kv\u016fli registraci na burze jsou sice transparentn\u00ed, tedy pr\u016fhledn\u00e9, ov\u0161em investovat by do nich m\u011bl jen ten, kdo m\u00e1 dobr\u00fd p\u0159ehled, kdo v\u00ed, jak si tyto stoj\u00ed a jak se bude jejich pozice vyv\u00edjet.\t–          Firemn\u00ed dluhopisy s prospektem \u010cesk\u00e9 n\u00e1rodn\u00ed banky jsou rizikov\u00e9. Navzdory prospektu \u010cNB toti\u017e nejsou tak d\u016fv\u011bryhodn\u00e9, jak by se mohly zd\u00e1t, proto\u017ee \u010cNB pouze ov\u011b\u0159uje, zda tyto spl\u0148uj\u00ed v\u0161echny z\u00e1konem stanoven\u00e9 form\u00e1ln\u00ed n\u00e1le\u017eitosti. Ov\u0161em zda jsou tyto bezpe\u010dn\u00e9 a v\u00fdnosn\u00e9 \u010di ne, to u\u017e si mus\u00ed \u010dlov\u011bk zjistit s\u00e1m.\t–          Korpor\u00e1tn\u00ed dluhopisy bez prospektu \u010cNB jsou vyd\u00e1v\u00e1ny firmami, je\u017e ve skute\u010dnosti podnikaj\u00ed na dluh a vesm\u011bs sv\u00e9 ekonomick\u00e9 ukazatele zatajuj\u00ed. A kdo v\u00ed, nakolik se jim tak d\u00e1 v\u011b\u0159it.\t–         A dluhopisy vlastn\u011b m\u016f\u017ee vyd\u00e1vat \u00fapln\u011b kdokoliv, t\u0159eba i takzvan\u00ed finan\u010dn\u00ed \u0161mejdi, kter\u00fdm jde pouze o to, vy\u017ed\u00edmat z d\u016fv\u011b\u0159ivc\u016f pen\u00edze. Co\u017e lze snadno, proto\u017ee dluhopisy nejsou vlastn\u011b nic jin\u00e9ho ne\u017e kusy pap\u00edru, za nimi\u017e se sice n\u011bjak\u00e9 hodnoty skr\u00fdvat mohou, ale tak\u00e9 nemus\u00ed.\tJsme tla\u010deni k tomu, abychom investovali. Ov\u0161em do \u010deho? Po p\u0159e\u010dten\u00ed v\u00fd\u0161e zm\u00edn\u011bn\u00fdch \u0159\u00e1dk\u016f mne napad\u00e1 jenom ten u\u017e d\u00e1vno zn\u00e1m\u00fd vtip. \u017de je nejlep\u0161\u00ed investovat do rumu. Proto\u017ee kde jinde v\u00e1m za ty pen\u00edze daj\u00ed \u010dty\u0159icet procent, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kam lze investovat?","item":"https:\/\/www.ochmt.cz\/kam-lze-investovat\/#breadcrumbitem"}]}]