{"id":835,"date":"2025-07-27T12:50:36","date_gmt":"2025-07-27T10:50:36","guid":{"rendered":"https:\/\/financniprirucka.cz\/?p=835"},"modified":"2025-07-27T12:50:36","modified_gmt":"2025-07-27T10:50:36","slug":"pasivni-investovani-jak-nechat-penize-pracovat-za-tebe","status":"publish","type":"post","link":"https:\/\/www.financniprirucka.cz\/?p=835","title":{"rendered":"Pasivn\u00ed investov\u00e1n\u00ed: Jak nechat pen\u00edze pracovat za tebe"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Chce\u0161 zhodnocovat sv\u00e9 pen\u00edze, ale nechce\u0161 ka\u017ed\u00fd den sledovat burzy nebo \u0159e\u0161it slo\u017eit\u00e9 anal\u00fdzy? Pak je&nbsp;<strong>pasivn\u00ed investov\u00e1n\u00ed<\/strong>&nbsp;mo\u017en\u00e1 p\u0159esn\u011b pro tebe. Jednoduch\u00e9, levn\u00e9 a dlouhodob\u011b efektivn\u00ed \u0159e\u0161en\u00ed, kter\u00e9 vyu\u017e\u00edvaj\u00ed i profesion\u00e1lov\u00e9.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcac Co je pasivn\u00ed investov\u00e1n\u00ed?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pasivn\u00ed investov\u00e1n\u00ed znamen\u00e1, \u017ee&nbsp;<strong>nekupuje\u0161 a neprod\u00e1v\u00e1\u0161 akcie aktivn\u011b<\/strong>, ale m\u00edsto toho vlo\u017e\u00ed\u0161 sv\u00e9 pen\u00edze do&nbsp;<strong>\u0161iroce diverzifikovan\u00fdch fond\u016f<\/strong>, kter\u00e9 kop\u00edruj\u00ed v\u00fdvoj cel\u00e9ho trhu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nej\u010dast\u011bji se pou\u017e\u00edvaj\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ETF (Exchange Traded Funds)<\/strong>\u00a0\u2013 fondy, kter\u00e9 sleduj\u00ed nap\u0159\u00edklad index S&amp;P 500, Nasdaq nebo MSCI World.<\/li>\n\n\n\n<li><strong>Indexov\u00e9 fondy<\/strong>\u00a0\u2013 velmi podobn\u00e9 ETF, ale \u010dasto vhodn\u011bj\u0161\u00ed pro pravideln\u00e9 spo\u0159en\u00ed.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Hlavn\u00ed v\u00fdhody pasivn\u00edho investov\u00e1n\u00ed<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u00edzk\u00e9 poplatky<\/strong>\u00a0\u2013 proto\u017ee se fondy nespravuj\u00ed aktivn\u011b<\/li>\n\n\n\n<li><strong>Vysok\u00e1 diverzifikace<\/strong>\u00a0\u2013 investuje\u0161 najednou do stovek nebo tis\u00edc\u016f firem<\/li>\n\n\n\n<li><strong>Minim\u00e1ln\u00ed \u010dasov\u00e1 n\u00e1ro\u010dnost<\/strong>\u00a0\u2013 nemus\u00ed\u0161 trh sledovat denn\u011b<\/li>\n\n\n\n<li><strong>Historicky stabiln\u00ed v\u00fdnosy<\/strong>\u00a0\u2013 trh z dlouhodob\u00e9ho hlediska roste<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\uddf1 Jak za\u010d\u00edt?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Zalo\u017e si \u00fa\u010det u online brokera<\/strong>\u00a0(nap\u0159. Portu, Fondee, Degiro, XTB)<\/li>\n\n\n\n<li><strong>Vyber ETF nebo fond<\/strong>\u00a0podle sv\u00e9ho c\u00edle a \u010dasov\u00e9ho horizontu<\/li>\n\n\n\n<li><strong>Investuj pravideln\u011b<\/strong>\u00a0\u2013 ide\u00e1ln\u011b m\u011bs\u00ed\u010dn\u011b (nap\u0159. 1 000\u20132 000 K\u010d)<\/li>\n\n\n\n<li><strong>Nesah\u00e1\u0161 na investici<\/strong>\u00a0p\u0159i propadech trhu \u2013 dlouhodob\u00fd v\u00fdhled je kl\u00ed\u010d<\/li>\n\n\n\n<li><strong>Zva\u017e strategii \u201ebuy and hold\u201c<\/strong>\u00a0\u2013 kup a dr\u017e dlouh\u00e9 roky<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcc9 Na co si d\u00e1t pozor?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investice nejsou bez rizika \u2013 hodnota kol\u00eds\u00e1, ob\u010das i hodn\u011b.<\/li>\n\n\n\n<li>Kr\u00e1tkodob\u00e9 v\u00fdkyvy nesm\u00ed ovlivnit tv\u00e9 rozhodov\u00e1n\u00ed.<\/li>\n\n\n\n<li>Vyb\u00edrej ETF s n\u00edzk\u00fdm TER (celkov\u00e9 n\u00e1klady fondu) \u2013 ide\u00e1ln\u011b pod 0,3 %.<\/li>\n\n\n\n<li>Dej si pozor na m\u011bnov\u00e9 riziko u fond\u016f v ciz\u00ed m\u011bn\u011b.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcbc Z\u00e1v\u011br: Pomalu, ale jist\u011b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pasivn\u00ed investov\u00e1n\u00ed nen\u00ed o rychl\u00e9m zisku, ale o&nbsp;<strong>dlouhodob\u00e9m budov\u00e1n\u00ed majetku bez stresu a slo\u017eitost\u00ed<\/strong>. Pokud hled\u00e1\u0161 jednoduchou cestu, jak se finan\u010dn\u011b zabezpe\u010dit na st\u00e1\u0159\u00ed, d\u011btem nebo jen \u201ena jistotu\u201c, m\u016f\u017ee b\u00fdt ide\u00e1ln\u00ed volbou pr\u00e1v\u011b pro tebe.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chce\u0161 zhodnocovat sv\u00e9 pen\u00edze, ale nechce\u0161 ka\u017ed\u00fd den sledovat burzy nebo \u0159e\u0161it slo\u017eit\u00e9 anal\u00fdzy? Pak je&nbsp;pasivn\u00ed investov\u00e1n\u00ed&nbsp;mo\u017en\u00e1 p\u0159esn\u011b pro tebe. Jednoduch\u00e9, levn\u00e9 a dlouhodob\u011b efektivn\u00ed \u0159e\u0161en\u00ed, kter\u00e9 vyu\u017e\u00edvaj\u00ed i profesion\u00e1lov\u00e9.&hellip;<\/p>\n","protected":false},"author":2,"featured_media":836,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-835","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice"],"_links":{"self":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/835","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=835"}],"version-history":[{"count":1,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/835\/revisions"}],"predecessor-version":[{"id":837,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/835\/revisions\/837"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/media\/836"}],"wp:attachment":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=835"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=835"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=835"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}