{"id":853,"date":"2025-07-27T18:21:53","date_gmt":"2025-07-27T16:21:53","guid":{"rendered":"https:\/\/financniprirucka.cz\/?p=853"},"modified":"2025-07-27T18:21:53","modified_gmt":"2025-07-27T16:21:53","slug":"aktivni-vs-pasivni-investovani-co-je-pro-tebe-lepsi","status":"publish","type":"post","link":"https:\/\/www.financniprirucka.cz\/?p=853","title":{"rendered":"Aktivn\u00ed vs. pasivn\u00ed investov\u00e1n\u00ed: Co je pro tebe lep\u0161\u00ed?"},"content":{"rendered":"\n

Pokud za\u010d\u00edn\u00e1\u0161 investovat, mo\u017en\u00e1 jsi u\u017e sly\u0161el pojmy aktivn\u00ed<\/strong> a pasivn\u00ed investov\u00e1n\u00ed<\/strong>. Oba p\u0159\u00edstupy maj\u00ed sv\u00e9 v\u00fdhody i nev\u00fdhody \u2013 a z\u00e1le\u017e\u00ed, jak\u00fd typ investora jsi. Tento \u010dl\u00e1nek ti pom\u016f\u017ee pochopit rozd\u00edl a vybrat si cestu, kter\u00e1 ti nejl\u00e9pe sedne.<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udccc Co je aktivn\u00ed investov\u00e1n\u00ed<\/strong>?<\/h3>\n\n\n\n

Aktivn\u00ed investor:<\/p>\n\n\n\n

    \n
  • Sna\u017e\u00ed se porazit trh<\/strong>\u00a0v\u00fdb\u011brem konkr\u00e9tn\u00edch akci\u00ed nebo \u010dasov\u00e1n\u00edm n\u00e1kup\u016f a prodej\u016f<\/li>\n\n\n\n
  • Sleduje zpr\u00e1vy, anal\u00fdzy, grafy<\/li>\n\n\n\n
  • \u010casto obchoduje<\/li>\n\n\n\n
  • Obvykle investuje prost\u0159ednictv\u00edm\u00a0aktivn\u011b \u0159\u00edzen\u00fdch fond\u016f<\/strong>\u00a0nebo vlastn\u00edm v\u00fdb\u011brem akci\u00ed<\/li>\n<\/ul>\n\n\n\n

    V\u00fdhody:<\/strong>
    \u2705 Mo\u017enost vy\u0161\u0161\u00edho v\u00fdnosu
    \u2705 Flexibilita \u2013 rychl\u00e9 reakce na tr\u017en\u00ed zm\u011bny
    \u2705 Vyu\u017eit\u00ed znalost\u00ed konkr\u00e9tn\u00edho sektoru<\/p>\n\n\n\n

    Nev\u00fdhody:<\/strong>
    \u274c Vy\u0161\u0161\u00ed poplatky (fondy, obchodov\u00e1n\u00ed)
    \u274c Vy\u0161\u0161\u00ed riziko chyb a emoc\u00ed
    \u274c Vy\u017eaduje \u010das a znalosti<\/p>\n\n\n\n

    \n\n\n\n

    \ud83d\udccc Co je pasivn\u00ed investov\u00e1n\u00ed<\/strong>?<\/h3>\n\n\n\n

    Pasivn\u00ed investor:<\/p>\n\n\n\n

      \n
    • Nech\u00e1v\u00e1 pen\u00edze r\u016fst spolu s trhem<\/strong><\/li>\n\n\n\n
    • Investuje do indexov\u00fdch fond\u016f (nap\u0159. S&P 500, MSCI World), kter\u00e9 kop\u00edruj\u00ed cel\u00e9 trhy<\/li>\n\n\n\n
    • Obvykle investuje\u00a0pravideln\u011b a dlouhodob\u011b<\/strong><\/li>\n\n\n\n
    • Ne\u0159e\u0161\u00ed denn\u00ed v\u00fdkyvy trhu<\/li>\n<\/ul>\n\n\n\n

      V\u00fdhody:<\/strong>
      \u2705 N\u00edzk\u00e9 poplatky
      \u2705 Minim\u00e1ln\u00ed \u010dasov\u00e1 n\u00e1ro\u010dnost
      \u2705 Historicky velmi spolehliv\u00e1 strategie<\/p>\n\n\n\n

      Nev\u00fdhody:<\/strong>
      \u274c Nevyu\u017e\u00edv\u00e1\u0161 p\u0159\u00edle\u017eitosti k mimo\u0159\u00e1dn\u00fdm zisk\u016fm
      \u274c Pot\u0159ebuje\u0161 discipl\u00ednu a trp\u011blivost
      \u274c V\u00fdnosy \u201ejen\u201c jako trh \u2013 ne vy\u0161\u0161\u00ed<\/p>\n\n\n\n

      \n\n\n\n

      \ud83d\udd0d Co si vybrat?<\/h3>\n\n\n\n
      Ot\u00e1zka<\/th>Pokud odpov\u00ed\u0161 ANO \u2192<\/th>Pokud odpov\u00ed\u0161 NE \u2192<\/th><\/tr><\/thead>
      M\u00e1m \u010das a bav\u00ed m\u011b sledovat trhy?<\/td>Aktivn\u00ed investov\u00e1n\u00ed<\/td>Pasivn\u00ed investov\u00e1n\u00ed<\/td><\/tr>
      Um\u00edm zach\u00e1zet s emocemi p\u0159i investov\u00e1n\u00ed?<\/td>Aktivn\u00ed<\/td>Pasivn\u00ed<\/td><\/tr>
      Chci dlouhodob\u011b, bezpe\u010dn\u011b a bez starost\u00ed zhodnocovat pen\u00edze?<\/td>Pasivn\u00ed<\/td>Aktivn\u00ed<\/td><\/tr>
      V\u011b\u0159\u00edm, \u017ee v\u00edm v\u00edc ne\u017e ostatn\u00ed investo\u0159i?<\/td>Aktivn\u00ed<\/td>Pasivn\u00ed<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n
      \n\n\n\n

      \ud83e\udde0 Kombinace oboj\u00edho? Ano!<\/h3>\n\n\n\n

      Mnoho investor\u016f vol\u00ed kombinaci<\/strong> \u2013 nap\u0159. 80 % portfolia do pasivn\u00edch fond\u016f pro stabiln\u00ed r\u016fst, a 20 % do aktivn\u00edch investic (akcie, kryptom\u011bny, ETF podle v\u00fdb\u011bru), kde se \u201evy\u0159\u00e1d\u00ed\u201c.<\/p>\n\n\n\n

      \n\n\n\n

      \u2705 Z\u00e1v\u011br: Nejlep\u0161\u00ed styl je ten, kter\u00fd ti sed\u00ed<\/h2>\n\n\n\n

      Nejde o to, co je objektivn\u011b lep\u0161\u00ed \u2013 ale co dok\u00e1\u017ee\u0161 udr\u017eet dlouhodob\u011b<\/strong>. Pokud nechce\u0161 tr\u00e1vit \u010das nad grafy, pasivn\u00ed investov\u00e1n\u00ed je ide\u00e1ln\u00ed volba. Pokud t\u011b bav\u00ed trhy a m\u00e1\u0161 dostatek znalost\u00ed i discipl\u00edny, m\u016f\u017ee\u0161 aktivn\u00ed strategi\u00ed dos\u00e1hnout vy\u0161\u0161\u00edho v\u00fdnosu.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Pokud za\u010d\u00edn\u00e1\u0161 investovat, mo\u017en\u00e1 jsi u\u017e sly\u0161el pojmy aktivn\u00ed a pasivn\u00ed investov\u00e1n\u00ed. Oba p\u0159\u00edstupy maj\u00ed sv\u00e9 v\u00fdhody i nev\u00fdhody \u2013 a z\u00e1le\u017e\u00ed, jak\u00fd typ investora jsi. Tento \u010dl\u00e1nek ti pom\u016f\u017ee pochopit rozd\u00edl a…<\/p>\n","protected":false},"author":2,"featured_media":854,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-853","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\/853","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=853"}],"version-history":[{"count":1,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/853\/revisions"}],"predecessor-version":[{"id":855,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/853\/revisions\/855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/media\/854"}],"wp:attachment":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=853"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=853"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}