{"id":877,"date":"2025-07-27T20:53:28","date_gmt":"2025-07-27T18:53:28","guid":{"rendered":"https:\/\/financniprirucka.cz\/?p=877"},"modified":"2025-07-27T20:53:29","modified_gmt":"2025-07-27T18:53:29","slug":"jak-si-sestavit-vlastni-investicni-portfolio-i-kdyz-zacinas-s-malem","status":"publish","type":"post","link":"https:\/\/www.financniprirucka.cz\/?p=877","title":{"rendered":"Jak si sestavit vlastn\u00ed investi\u010dn\u00ed portfolio (i kdy\u017e za\u010d\u00edn\u00e1\u0161 s m\u00e1lem)"},"content":{"rendered":"\n

Investov\u00e1n\u00ed nen\u00ed jen o tom, kam d\u00e1t pen\u00edze<\/strong>, ale i jak je rozd\u011blit<\/strong>. Spr\u00e1vn\u011b postaven\u00e9 portfolio ti pom\u016f\u017ee sn\u00ed\u017eit riziko, dos\u00e1hnout tv\u00fdch c\u00edl\u016f \u2013 a hlavn\u011b klidn\u011b sp\u00e1t.<\/p>\n\n\n\n

Poj\u010fme si uk\u00e1zat, jak si portfolio postavit od nuly.<\/p>\n\n\n\n

\n\n\n\n

\ud83d\udd11 1. Ur\u010di si c\u00edl a \u010dasov\u00fd horizont<\/h3>\n\n\n\n

Ne\u017e za\u010dne\u0161, zeptej se:<\/p>\n\n\n\n

    \n
  • Na co chci investovat?<\/strong>\u00a0(nap\u0159. d\u016fchod, bydlen\u00ed, finan\u010dn\u00ed nez\u00e1vislost)<\/li>\n\n\n\n
  • Za jak dlouho pen\u00edze pot\u0159ebuji?<\/strong>\u00a0(2 roky \u2260 20 let)<\/li>\n\n\n\n
  • Kolik rizika snesu?<\/strong>\u00a0(Jak zvl\u00e1d\u00e1\u0161, kdy\u017e hodnota do\u010dasn\u011b klesne?)<\/li>\n<\/ul>\n\n\n\n
    \n\n\n\n

    \ud83e\uddf1 2. Rozlo\u017een\u00ed portfolia (tzv. alokace aktiv)<\/h3>\n\n\n\n

    Z\u00e1kladn\u00ed rozd\u011blen\u00ed m\u016f\u017ee vypadat nap\u0159. takto:<\/p>\n\n\n\n

    Aktivum<\/th>Funkce<\/th>Pro koho vhodn\u00e9<\/th><\/tr><\/thead>
    Akcie \/ ETF<\/strong><\/td>R\u016fstov\u00e1 slo\u017eka, vy\u0161\u0161\u00ed v\u00fdnos<\/td>Dlouhodob\u00fd horizont<\/td><\/tr>
    Dluhopisy \/ fondy<\/strong><\/td>Stabiliza\u010dn\u00ed slo\u017eka<\/td>Konzervativn\u00ed \u010d\u00e1st<\/td><\/tr>
    Hotovost \/ spo\u0159ic\u00ed \u00fa\u010det<\/strong><\/td>Rezerva, flexibilita<\/td>Kr\u00e1tkodob\u00e9 c\u00edle<\/td><\/tr>
    Alternativy (nap\u0159. krypto)<\/strong><\/td>Mo\u017en\u00fd r\u016fst, ale vysok\u00e9 riziko<\/td>Max. 5\u201310 % portfolia<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n
    \n\n\n\n

    \ud83e\uddee 3. P\u0159\u00edklad jednoduch\u00e9ho portfolia<\/h3>\n\n\n\n

    Pro mlad\u00e9ho investora (20\u201335 let):<\/h4>\n\n\n\n
      \n
    • 80 % ETF na akcie (nap\u0159. MSCI World, S&P 500)<\/li>\n\n\n\n
    • 10 % ETF na rozv\u00edjej\u00edc\u00ed se trhy<\/li>\n\n\n\n
    • 10 % hotovost \/ kr\u00e1tkodob\u00e9 spo\u0159en\u00ed<\/li>\n<\/ul>\n\n\n\n

      Pro opatrn\u011bj\u0161\u00edho investora (35\u201350 let):<\/h4>\n\n\n\n
        \n
      • 60 % ETF akcie (glob\u00e1ln\u011b rozlo\u017een\u00e9)<\/li>\n\n\n\n
      • 30 % dluhopisov\u00e9 fondy<\/li>\n\n\n\n
      • 10 % hotovost<\/li>\n<\/ul>\n\n\n\n

        Pro velmi konzervativn\u00edho investora:<\/h4>\n\n\n\n
          \n
        • 40 % akcie \/ ETF<\/li>\n\n\n\n
        • 50 % dluhopisy nebo fondy pen\u011b\u017en\u00edho trhu<\/li>\n\n\n\n
        • 10 % hotovost<\/li>\n<\/ul>\n\n\n\n
          \n\n\n\n

          \ud83d\udee0\ufe0f 4. Jak investovat prakticky?<\/h3>\n\n\n\n
            \n
          • \ud83e\uddfe\u00a0Vyber si brokera nebo platformu<\/strong>\u00a0(nap\u0159. Portu, Fondee, XTB, Degiro)<\/li>\n\n\n\n
          • \ud83d\udcc5\u00a0Nastav si pravideln\u00e9 investov\u00e1n\u00ed<\/strong>\u00a0(nap\u0159. m\u011bs\u00ed\u010dn\u011b)<\/li>\n\n\n\n
          • \ud83d\udcc8\u00a0Dr\u017e se strategie<\/strong>\u00a0\u2013 nem\u011b\u0148 pl\u00e1n p\u0159i ka\u017ed\u00e9m v\u00fdkyvu<\/li>\n\n\n\n
          • \u2705\u00a0Rebalancuj<\/strong>\u00a01\u00d7 ro\u010dn\u011b \u2013 uprav rozlo\u017een\u00ed, pokud se v\u00fdrazn\u011b zm\u011bn\u00ed<\/li>\n<\/ul>\n\n\n\n
            \n\n\n\n

            \u26a0\ufe0f \u010cast\u00e9 chyby p\u0159i sestavov\u00e1n\u00ed portfolia<\/h3>\n\n\n\n
              \n
            • P\u0159\u00edli\u0161n\u00e9 soust\u0159ed\u011bn\u00ed na jednu oblast (nap\u0159. jen USA nebo jen technologie)<\/li>\n\n\n\n
            • Ignorov\u00e1n\u00ed \u010dasov\u00e9ho horizontu (nap\u0159. kr\u00e1tkodob\u00e9 pen\u00edze v akci\u00edch)<\/li>\n\n\n\n
            • Nedostatek rezervy<\/li>\n\n\n\n
            • Chyb\u011bj\u00edc\u00ed pl\u00e1n, co d\u011blat, kdy\u017e trhy klesnou<\/li>\n<\/ul>\n\n\n\n
              \n\n\n\n

              \ud83c\udfaf Z\u00e1v\u011br: Portfolio je z\u00e1kladn\u00ed k\u00e1men tv\u00e9ho investov\u00e1n\u00ed<\/h2>\n\n\n\n

              Nemus\u00ed\u0161 b\u00fdt expert \u2013 ale m\u011bl bys v\u011bd\u011bt, co vlastn\u00ed\u0161, pro\u010d to vlastn\u00ed\u0161 a co od toho \u010dek\u00e1\u0161<\/strong>. Jednoduch\u00e9, rozumn\u011b diverzifikovan\u00e9 portfolio t\u011b ochr\u00e1n\u00ed i v t\u011b\u017e\u0161\u00edch \u010dasech.<\/p>\n","protected":false},"excerpt":{"rendered":"

              Investov\u00e1n\u00ed nen\u00ed jen o tom, kam d\u00e1t pen\u00edze, ale i jak je rozd\u011blit. Spr\u00e1vn\u011b postaven\u00e9 portfolio ti pom\u016f\u017ee sn\u00ed\u017eit riziko, dos\u00e1hnout tv\u00fdch c\u00edl\u016f \u2013 a hlavn\u011b klidn\u011b sp\u00e1t. Poj\u010fme si uk\u00e1zat, jak…<\/p>\n","protected":false},"author":2,"featured_media":878,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-877","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\/877","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=877"}],"version-history":[{"count":1,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/877\/revisions"}],"predecessor-version":[{"id":879,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/877\/revisions\/879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/media\/878"}],"wp:attachment":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}