{"id":880,"date":"2025-07-27T20:57:31","date_gmt":"2025-07-27T18:57:31","guid":{"rendered":"https:\/\/financniprirucka.cz\/?p=880"},"modified":"2025-07-27T20:57:32","modified_gmt":"2025-07-27T18:57:32","slug":"pasivni-vs-aktivni-investovani-co-je-pro-tebe-lepsi","status":"publish","type":"post","link":"https:\/\/www.financniprirucka.cz\/?p=880","title":{"rendered":"Pasivn\u00ed vs. aktivn\u00ed investov\u00e1n\u00ed: Co je pro tebe lep\u0161\u00ed?"},"content":{"rendered":"\n

Ka\u017ed\u00fd investor se d\u0159\u00edve nebo pozd\u011bji setk\u00e1 s ot\u00e1zkou: m\u00e1m investovat aktivn\u011b, nebo pasivn\u011b?<\/strong>
Odpov\u011b\u010f z\u00e1vis\u00ed na tom, kolik \u010dasu, energie a rizika jsi ochoten investov\u00e1n\u00ed v\u011bnovat<\/strong>.<\/p>\n\n\n\n

Poj\u010fme si ob\u011b strategie porovnat.<\/p>\n\n\n\n

\n\n\n\n

\ud83e\uddd8 Pasivn\u00ed investov\u00e1n\u00ed: Klid, jednoduchost a dlouhodobost<\/h3>\n\n\n\n

Pasivn\u00ed investov\u00e1n\u00ed<\/strong> znamen\u00e1, \u017ee:<\/p>\n\n\n\n

    \n
  • kop\u00edruje\u0161 v\u00fdvoj trhu (nap\u0159. p\u0159es ETF fondy)<\/li>\n\n\n\n
  • nevyb\u00edr\u00e1\u0161 jednotliv\u00e9 akcie<\/li>\n\n\n\n
  • ne\u0159e\u0161\u00ed\u0161 na\u010dasov\u00e1n\u00ed n\u00e1kupu<\/li>\n\n\n\n
  • dlouhodob\u011b dr\u017e\u00ed\u0161 a pravideln\u011b p\u0159ikupuje\u0161<\/li>\n<\/ul>\n\n\n\n

    \u2714\ufe0f V\u00fdhody:<\/h4>\n\n\n\n
      \n
    • N\u00edzk\u00e9 poplatky (ETF maj\u00ed TER \u010dasto pod 0,2 %)<\/li>\n\n\n\n
    • \u010casov\u00e1 nen\u00e1ro\u010dnost \u2013 nemus\u00ed\u0161 sledovat trhy<\/li>\n\n\n\n
    • Vysok\u00e1 diverzifikace (nap\u0159. ETF na MSCI World pokr\u00fdv\u00e1 1 500+ firem)<\/li>\n\n\n\n
    • Dlouhodob\u011b p\u0159ekon\u00e1v\u00e1 v\u011bt\u0161inu aktivn\u00edch fond\u016f<\/li>\n<\/ul>\n\n\n\n

      \u274c Nev\u00fdhody:<\/h4>\n\n\n\n
        \n
      • Nen\u00ed \u0161ance \u201eporazit trh\u201c<\/li>\n\n\n\n
      • Mo\u017en\u00e1 m\u00e9n\u011b zaj\u00edmav\u00e9 pro lidi, co cht\u011bj\u00ed \u201eakci\u201c a spekulace<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        \ud83e\udde0 Aktivn\u00ed investov\u00e1n\u00ed: V\u00fdb\u011br, spekulace a vy\u0161\u0161\u00ed riziko<\/h3>\n\n\n\n

        Aktivn\u00ed investov\u00e1n\u00ed<\/strong> znamen\u00e1, \u017ee:<\/p>\n\n\n\n

          \n
        • s\u00e1m vyb\u00edr\u00e1\u0161 konkr\u00e9tn\u00ed akcie, dluhopisy nebo jin\u00e9 instrumenty<\/li>\n\n\n\n
        • sna\u017e\u00ed\u0161 se porazit trh v\u00fdb\u011brem t\u011bch \u201enejlep\u0161\u00edch\u201c<\/li>\n\n\n\n
        • \u010dasto nakupuje\u0161 a prod\u00e1v\u00e1\u0161 na z\u00e1klad\u011b anal\u00fdzy<\/li>\n<\/ul>\n\n\n\n

          \u2714\ufe0f V\u00fdhody:<\/h4>\n\n\n\n
            \n
          • Potenci\u00e1l vy\u0161\u0161\u00edho v\u00fdnosu (pokud m\u00e1\u0161 schopnosti a \u0161t\u011bst\u00ed)<\/li>\n\n\n\n
          • Flexibilita \u2013 m\u016f\u017ee\u0161 reagovat na ud\u00e1losti a trendy<\/li>\n\n\n\n
          • M\u016f\u017ee t\u011b to v\u00edc bavit, pokud m\u00e1\u0161 r\u00e1d anal\u00fdzy a trhy<\/li>\n<\/ul>\n\n\n\n

            \u274c Nev\u00fdhody:<\/h4>\n\n\n\n
              \n
            • Vy\u0161\u0161\u00ed riziko i kol\u00eds\u00e1n\u00ed<\/li>\n\n\n\n
            • Vy\u0161\u0161\u00ed poplatky (nap\u0159. za n\u00e1kupy, dan\u011b, spr\u00e1vu)<\/li>\n\n\n\n
            • Vy\u017eaduje hodn\u011b \u010dasu, znalost\u00ed a sebek\u00e1zn\u011b<\/li>\n\n\n\n
            • Statistiky ukazuj\u00ed, \u017ee v\u011bt\u0161ina aktivn\u00edch investor\u016f\u00a0trh dlouhodob\u011b nep\u0159ekon\u00e1<\/strong><\/li>\n<\/ul>\n\n\n\n
              \n\n\n\n

              \ud83e\udd14 Kdy zvolit kterou strategii?<\/h3>\n\n\n\n
              Ot\u00e1zka<\/th>Pokud odpov\u00edd\u00e1\u0161 \u201eano\u201c \u2192<\/th><\/tr><\/thead>
              Chce\u0161 jednoduchost a klid?<\/td>Pasivn\u00ed investov\u00e1n\u00ed<\/td><\/tr>
              M\u00e1\u0161 minimum \u010dasu?<\/td>Pasivn\u00ed investov\u00e1n\u00ed<\/td><\/tr>
              Bav\u00ed t\u011b sledovat trhy, \u010d\u00edst anal\u00fdzy a riskovat?<\/td>Aktivn\u00ed investov\u00e1n\u00ed<\/td><\/tr>
              M\u00e1\u0161 u\u017e zku\u0161enosti a vlastn\u00ed syst\u00e9m?<\/td>Aktivn\u00ed m\u016f\u017ee d\u00e1vat smysl<\/td><\/tr>
              Jsi za\u010d\u00e1te\u010dn\u00edk?<\/td>Za\u010dni pasivn\u011b a u\u010d se postupn\u011b<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n
              \n\n\n\n

              \ud83d\udcca Kombinace oboj\u00edho? Ano!<\/h2>\n\n\n\n

              Mnoho investor\u016f kombinuje ob\u011b strategie:<\/p>\n\n\n\n

              \ud83d\udd39 80 % portfolia pasivn\u011b (ETF, fondy)
              \ud83d\udd39 20 % na \u201ehran\u00ed\u201c s jednotliv\u00fdmi akciemi, kryptem apod.<\/p>\n\n\n\n

              To ti umo\u017en\u00ed r\u016fst majetku stabiln\u011b a z\u00e1rove\u0148 si zkou\u0161et vlastn\u00ed rozhodnut\u00ed bez ohro\u017een\u00ed cel\u00e9ho portfolia.<\/p>\n\n\n\n

              \n\n\n\n

              \ud83c\udfc1 Z\u00e1v\u011br: Pasivn\u011b vyd\u011bl\u00e1\u0161 v\u00edc, aktivn\u011b se nau\u010d\u00ed\u0161 v\u00edc<\/h2>\n\n\n\n

              Pokud nechce\u0161 tr\u00e1vit hodiny anal\u00fdzou trh\u016f, pasivn\u00ed investov\u00e1n\u00ed je bezpe\u010dn\u00e1, efektivn\u00ed a \u010dasov\u011b nen\u00e1ro\u010dn\u00e1 volba.
              Pokud t\u011b investov\u00e1n\u00ed bav\u00ed a chce\u0161 tomu v\u011bnovat \u010das, m\u016f\u017ee\u0161 aktivn\u011b p\u0159idat vlastn\u00ed v\u00fdb\u011bry \u2013 ale nikdy nevs\u00e1zej v\u0161echno na jednu kartu.<\/p>\n","protected":false},"excerpt":{"rendered":"

              Ka\u017ed\u00fd investor se d\u0159\u00edve nebo pozd\u011bji setk\u00e1 s ot\u00e1zkou: m\u00e1m investovat aktivn\u011b, nebo pasivn\u011b?Odpov\u011b\u010f z\u00e1vis\u00ed na tom, kolik \u010dasu, energie a rizika jsi ochoten investov\u00e1n\u00ed v\u011bnovat. Poj\u010fme si ob\u011b strategie porovnat. \ud83e\uddd8…<\/p>\n","protected":false},"author":2,"featured_media":881,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-880","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\/880","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=880"}],"version-history":[{"count":1,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/880\/revisions"}],"predecessor-version":[{"id":882,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/880\/revisions\/882"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/media\/881"}],"wp:attachment":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}