{"id":859,"date":"2025-07-27T18:32:20","date_gmt":"2025-07-27T16:32:20","guid":{"rendered":"https:\/\/financniprirucka.cz\/?p=859"},"modified":"2025-07-27T18:32:21","modified_gmt":"2025-07-27T16:32:21","slug":"investovani-pro-uplne-zacatecniky-jak-zacit-aniz-bys-prisel-o-nervy-nebo-penize","status":"publish","type":"post","link":"https:\/\/www.financniprirucka.cz\/?p=859","title":{"rendered":"Investov\u00e1n\u00ed pro \u00fapln\u00e9 za\u010d\u00e1te\u010dn\u00edky: Jak za\u010d\u00edt, ani\u017e bys p\u0159i\u0161el o nervy (nebo pen\u00edze)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Investov\u00e1n\u00ed m\u016f\u017ee na prvn\u00ed pohled p\u016fsobit slo\u017eit\u011b, mo\u017en\u00e1 a\u017e d\u011bsiv\u011b. Grafy, \u010d\u00edsla, trhy, rizika\u2026 Ale neboj \u2013&nbsp;<strong>nemus\u00ed\u0161 b\u00fdt ekonom ani milion\u00e1\u0159<\/strong>, abys mohl za\u010d\u00edt. Tento \u010dl\u00e1nek ti uk\u00e1\u017ee z\u00e1klady srozumiteln\u011b a krok za krokem.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd11 Pro\u010d bys m\u011bl za\u010d\u00edt investovat?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb8 Spo\u0159en\u00ed u\u017e nesta\u010d\u00ed \u2013 inflace \u201epo\u017e\u00edr\u00e1\u201c hodnotu pen\u011bz<\/li>\n\n\n\n<li>\ud83d\udcc8 Investice umo\u017en\u00ed zhodnotit \u00faspory<\/li>\n\n\n\n<li>\ud83c\udfaf Umo\u017e\u0148uj\u00ed ti dos\u00e1hnout finan\u010dn\u00ed c\u00edl\u016f (nap\u0159. bydlen\u00ed, d\u016fchod, cestov\u00e1n\u00ed)<\/li>\n\n\n\n<li>\u2705 Investov\u00e1n\u00ed dnes zvl\u00e1dne\u0161 z mobilu, s p\u00e1r stovkami m\u011bs\u00ed\u010dn\u011b<\/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\udded Z\u00e1kladn\u00ed pravidla investov\u00e1n\u00ed<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Za\u010dni co nejd\u0159\u00edv<\/strong>\u00a0\u2013 \u010das je tv\u016fj nejv\u011bt\u0161\u00ed spojencem<\/li>\n\n\n\n<li><strong>Investuj pravideln\u011b<\/strong>\u00a0\u2013 i mal\u00e9 \u010d\u00e1stky maj\u00ed s\u00edlu<\/li>\n\n\n\n<li><strong>Diversifikuj<\/strong>\u00a0\u2013 nerozd\u00e1vej v\u0161echno jednomu typu investice<\/li>\n\n\n\n<li><strong>Nepanika\u0159 p\u0159i v\u00fdkyvech<\/strong>\u00a0\u2013 trhy klesaj\u00ed i rostou<\/li>\n\n\n\n<li><strong>M\u011bj trp\u011blivost<\/strong>\u00a0\u2013 investov\u00e1n\u00ed je b\u011bh na roky, ne t\u00fddny<\/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\udce6 Do \u010deho m\u016f\u017ee\u0161 investovat jako za\u010d\u00e1te\u010dn\u00edk?<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><div class=\"pcrstb-wrap\"><table class=\"has-fixed-layout\"><thead><tr><th>Mo\u017enost<\/th><th>V\u00fdhody<\/th><th>Nev\u00fdhody<\/th><\/tr><\/thead><tbody><tr><td><strong>ETF fondy<\/strong><\/td><td>N\u00edzk\u00e9 poplatky, \u0161irok\u00e9 rozlo\u017een\u00ed rizika<\/td><td>Vy\u017eaduje z\u00e1kladn\u00ed orientaci<\/td><\/tr><tr><td><strong>Pod\u00edlov\u00e9 fondy<\/strong><\/td><td>Jednoduch\u00e9, \u0159\u00edzen\u00e9 profesion\u00e1ly<\/td><td>Vy\u0161\u0161\u00ed poplatky<\/td><\/tr><tr><td><strong>Akcie<\/strong><\/td><td>Potenci\u00e1l vysok\u00e9ho v\u00fdnosu<\/td><td>Vy\u0161\u0161\u00ed riziko, nutnost sledovat trh<\/td><\/tr><tr><td><strong>Kryptom\u011bny<\/strong><\/td><td>Modern\u00ed, atraktivn\u00ed<\/td><td>Vysok\u00e1 volatilita<\/td><\/tr><tr><td><strong>Spo\u0159ic\u00ed \u00fa\u010det \/ term\u00ednovan\u00fd vklad<\/strong><\/td><td>Bezpe\u010dn\u00e9<\/td><td>N\u00edzk\u00fd v\u00fdnos<\/td><\/tr><tr><td><strong>Zlato \/ st\u0159\u00edbro<\/strong><\/td><td>Ochrana proti inflaci<\/td><td>Nev\u00fdnosn\u00e9 samo o sob\u011b<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcf2 Kde m\u016f\u017ee\u0161 za\u010d\u00edt?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Portu, Fondee<\/strong>\u00a0\u2013 jednoduch\u00e9 aplikace pro pasivn\u00ed investov\u00e1n\u00ed do ETF<\/li>\n\n\n\n<li><strong>XTB, Degiro<\/strong>\u00a0\u2013 pro pokro\u010dilej\u0161\u00ed investory (akcie, ETF)<\/li>\n\n\n\n<li><strong>Zonky, Bondster<\/strong>\u00a0\u2013 P2P p\u016fj\u010dky<\/li>\n\n\n\n<li><strong>Crypto.com, Binance<\/strong>\u00a0\u2013 pro kryptom\u011bny (pozor, jen s omezenou \u010d\u00e1st\u00ed portfolia)<\/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\">\ud83d\udee0\ufe0f Praktick\u00e9 kroky, jak za\u010d\u00edt<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Vytvo\u0159 si\u00a0<strong>finan\u010dn\u00ed rezervu<\/strong>\u00a0(alespo\u0148 na 3 m\u011bs\u00edce v\u00fddaj\u016f)<\/li>\n\n\n\n<li>Zalo\u017e si \u00fa\u010det u investi\u010dn\u00ed platformy (nap\u0159. Portu)<\/li>\n\n\n\n<li>Vyber si investi\u010dn\u00ed produkt podle sv\u00fdch c\u00edl\u016f a rizikov\u00e9ho profilu<\/li>\n\n\n\n<li>Nastav si\u00a0<strong>pravidelnou m\u011bs\u00ed\u010dn\u00ed platbu<\/strong>\u00a0(nap\u0159. 500 K\u010d)<\/li>\n\n\n\n<li>Sleduj v\u00fdvoj max. 1\u00d7 m\u011bs\u00ed\u010dn\u011b \u2013 zbytek \u010dasu \u017eij \u017eivot \ud83d\ude0a<\/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\">\u2705 Z\u00e1v\u011br: Investov\u00e1n\u00ed nen\u00ed jen pro \u201efinan\u010dn\u00edky\u201c \u2013 je pro ka\u017ed\u00e9ho<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u010dekej na \u201elep\u0161\u00ed dobu\u201c nebo v\u011bt\u0161\u00ed p\u0159\u00edjmy. I s malou \u010d\u00e1stkou m\u016f\u017ee\u0161 za\u010d\u00edt budovat budoucnost. D\u016fle\u017eit\u00e9 je&nbsp;<strong>za\u010d\u00edt, u\u010dit se a vydr\u017eet<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investov\u00e1n\u00ed m\u016f\u017ee na prvn\u00ed pohled p\u016fsobit slo\u017eit\u011b, mo\u017en\u00e1 a\u017e d\u011bsiv\u011b. Grafy, \u010d\u00edsla, trhy, rizika\u2026 Ale neboj \u2013&nbsp;nemus\u00ed\u0161 b\u00fdt ekonom ani milion\u00e1\u0159, abys mohl za\u010d\u00edt. Tento \u010dl\u00e1nek ti uk\u00e1\u017ee z\u00e1klady srozumiteln\u011b&hellip;<\/p>\n","protected":false},"author":2,"featured_media":860,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-859","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\/859","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=859"}],"version-history":[{"count":1,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/859\/revisions"}],"predecessor-version":[{"id":861,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/859\/revisions\/861"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/media\/860"}],"wp:attachment":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=859"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=859"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=859"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}