{"id":893,"date":"2025-07-28T07:50:35","date_gmt":"2025-07-28T05:50:35","guid":{"rendered":"https:\/\/financniprirucka.cz\/?p=893"},"modified":"2025-07-28T07:50:36","modified_gmt":"2025-07-28T05:50:36","slug":"jak-investovat-podle-veku-strategie-pro-20s-30s-40s-az-po-duchod","status":"publish","type":"post","link":"https:\/\/www.financniprirucka.cz\/?p=893","title":{"rendered":"Jak investovat podle v\u011bku: Strategie pro 20s, 30s, 40s a\u017e po d\u016fchod"},"content":{"rendered":"\n

Investov\u00e1n\u00ed nen\u00ed univerz\u00e1ln\u00ed \u2013 tv\u016fj v\u011bk, p\u0159\u00edjem i \u017eivotn\u00ed f\u00e1ze<\/strong> z\u00e1sadn\u011b ovliv\u0148uj\u00ed, jak by m\u011blo vypadat tvoje portfolio. Jinak bude investovat student, jinak rodi\u010d se dv\u011bma d\u011btmi a jinak n\u011bkdo, kdo se chyst\u00e1 do d\u016fchodu.<\/p>\n\n\n\n

Tady je praktick\u00fd p\u0159ehled, jak na to podle v\u011bku:<\/p>\n\n\n\n

\n\n\n\n

\ud83e\uddd1 20\u201330 let: \u010cas je tvoje nejv\u011bt\u0161\u00ed v\u00fdhoda<\/h3>\n\n\n\n

C\u00edl:<\/strong> budov\u00e1n\u00ed majetku, agresivn\u00ed r\u016fst
Rizikov\u00fd profil:<\/strong> vysok\u00fd
Horizont:<\/strong> 30+ let<\/p>\n\n\n\n

Doporu\u010den\u00e1 strategie:<\/h4>\n\n\n\n
    \n
  • 90\u2013100 % akcie\/ETF (nap\u0159. MSCI World, S&P 500)<\/li>\n\n\n\n
  • 0\u201310 % hotovost (rezerva na ne\u010dekan\u00e9 v\u00fddaje)<\/li>\n\n\n\n
  • Pravideln\u00e9 investov\u00e1n\u00ed (DCA) \u2013 klidn\u011b od 500 K\u010d\/m\u011bs\u00edc<\/li>\n\n\n\n
  • Neb\u00e1t se kr\u00e1tkodob\u00fdch v\u00fdkyv\u016f \u2013 \u010das je na tv\u00e9 stran\u011b<\/li>\n<\/ul>\n\n\n\n

    \ud83d\udfe2 Tip: Ka\u017ed\u00e1 tis\u00edcovka, kterou investuje\u0161 te\u010f, m\u016f\u017ee m\u00edt v d\u016fchodu hodnotu 10\u201315\u00d7 vy\u0161\u0161\u00ed.<\/p>\n\n\n\n

    \n\n\n\n

    \ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 30\u201340 let: Stabilizace a pl\u00e1nov\u00e1n\u00ed budoucnosti<\/h3>\n\n\n\n

    C\u00edl:<\/strong> rodina, bydlen\u00ed, budouc\u00ed finan\u010dn\u00ed jistota
    Rizikov\u00fd profil:<\/strong> st\u0159edn\u00ed a\u017e vy\u0161\u0161\u00ed
    Horizont:<\/strong> 20\u201330 let<\/p>\n\n\n\n

    Doporu\u010den\u00e1 strategie:<\/h4>\n\n\n\n
      \n
    • 70\u201385 % akcie\/ETF<\/li>\n\n\n\n
    • 10\u201320 % dluhopisy nebo fondy s ni\u017e\u0161\u00edm rizikem<\/li>\n\n\n\n
    • 5\u201310 % hotovost jako rezerva<\/li>\n\n\n\n
    • Mo\u017en\u00e1 prvn\u00ed investice do nemovitosti \/ REIT<\/li>\n<\/ul>\n\n\n\n

      \ud83d\udfe2 Tip: Pokud pl\u00e1nuje\u0161 nap\u0159. koupi bytu za 5 let, tu \u010d\u00e1st pen\u011bz dr\u017e rad\u011bji konzervativn\u011b (spo\u0159\u00e1k, term\u00ednovan\u00fd vklad, dluhopisov\u00fd fond).<\/p>\n\n\n\n

      \n\n\n\n

      \ud83e\uddd1\u200d\ud83e\uddb3 40\u201355 let: Ochrana majetku a p\u0159\u00edprava na d\u016fchod<\/h3>\n\n\n\n

      C\u00edl:<\/strong> vyrovnan\u00fd r\u016fst + ochrana hodnoty
      Rizikov\u00fd profil:<\/strong> st\u0159edn\u00ed
      Horizont:<\/strong> 10\u201320 let<\/p>\n\n\n\n

      Doporu\u010den\u00e1 strategie:<\/h4>\n\n\n\n
        \n
      • 50\u201370 % akcie\/ETF<\/li>\n\n\n\n
      • 20\u201340 % dluhopisy \/ nemovitostn\u00ed fondy<\/li>\n\n\n\n
      • 5\u201310 % hotovost nebo infla\u010dn\u00ed dluhopisy<\/li>\n\n\n\n
      • Optimalizace da\u0148ov\u00e9ho zat\u00ed\u017een\u00ed (\u010dasov\u00fd test, IS\u010cI, dlouhodob\u00fd investi\u010dn\u00ed produkt \u2013 DIP)<\/li>\n<\/ul>\n\n\n\n

        \ud83d\udfe2 Tip: Zam\u011b\u0159 se na n\u00edzkon\u00e1kladov\u00e9 produkty<\/strong> a za\u010dni po\u010d\u00edtat, kolik bude\u0161 pot\u0159ebovat na d\u016fchod.<\/p>\n\n\n\n

        \n\n\n\n

        \ud83d\udc74 55+ let: V\u00fdnos s rozvahou a p\u0159\u00edprava na v\u00fdb\u011bry<\/h3>\n\n\n\n

        C\u00edl:<\/strong> udr\u017eet hodnotu pen\u011bz, v\u00fdb\u011bry, d\u016fstojn\u00e9 st\u00e1\u0159\u00ed
        Rizikov\u00fd profil:<\/strong> konzervativn\u00ed
        Horizont:<\/strong> 5\u201315 let<\/p>\n\n\n\n

        Doporu\u010den\u00e1 strategie:<\/h4>\n\n\n\n
          \n
        • 20\u201340 % akcie (proti inflaci)<\/li>\n\n\n\n
        • 40\u201360 % dluhopisy \/ fondy pen\u011b\u017en\u00edho trhu<\/li>\n\n\n\n
        • 10\u201320 % hotovost<\/li>\n\n\n\n
        • Mo\u017enost \u010derpat z dividendov\u00fdch ETF \/ fond\u016f<\/li>\n<\/ul>\n\n\n\n

          \ud83d\udfe2 Tip: Neinvestuj kr\u00e1tkodob\u00e9 pen\u00edze rizikov\u011b. Ale i v d\u016fchodu je dobr\u00e9 m\u00edt \u010d\u00e1st portfolia v akci\u00edch<\/strong>, proto\u017ee d\u016fchod m\u016f\u017ee trvat dal\u0161\u00edch 20+ let.<\/p>\n\n\n\n

          \n\n\n\n

          \ud83e\uddfe Shrnut\u00ed podle v\u011bku:<\/h2>\n\n\n\n
          V\u011bk<\/th>Akcie\/ETF<\/th>Dluhopisy<\/th>Hotovost<\/th>Strategie<\/th><\/tr><\/thead>
          20\u201330<\/td>90\u2013100 %<\/td>0\u20135 %<\/td>5\u201310 %<\/td>R\u016fst, dlouhodobost<\/td><\/tr>
          30\u201340<\/td>70\u201385 %<\/td>10\u201320 %<\/td>5\u201310 %<\/td>R\u016fst + stabilita<\/td><\/tr>
          40\u201355<\/td>50\u201370 %<\/td>20\u201340 %<\/td>5\u201310 %<\/td>Vyv\u00e1\u017een\u00ed rizika<\/td><\/tr>
          55+<\/td>20\u201340 %<\/td>40\u201360 %<\/td>10\u201320 %<\/td>Ochrana majetku, v\u00fdb\u011bry<\/td><\/tr><\/tbody><\/table><\/div><\/figure>\n\n\n\n
          \n\n\n\n

          \u2705 Z\u00e1v\u011br: V\u011bk je d\u016fle\u017eit\u00fd, ale ne jedin\u00fd faktor<\/h2>\n\n\n\n

          Tv\u016fj investi\u010dn\u00ed pl\u00e1n by m\u011bl odr\u00e1\u017eet tv\u016fj v\u011bk, c\u00edle, p\u0159\u00edjmy, z\u00e1vazky a toleranci k riziku<\/strong>.
          I v 50 m\u016f\u017ee\u0161 investovat dynamicky \u2013 pokud v\u00ed\u0161, pro\u010d a na jak dlouho. Naopak i ve 25 m\u016f\u017ee\u0161 b\u00fdt konzervativn\u00ed, pokud se tak c\u00edt\u00ed\u0161 bezpe\u010dn\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"

          Investov\u00e1n\u00ed nen\u00ed univerz\u00e1ln\u00ed \u2013 tv\u016fj v\u011bk, p\u0159\u00edjem i \u017eivotn\u00ed f\u00e1ze z\u00e1sadn\u011b ovliv\u0148uj\u00ed, jak by m\u011blo vypadat tvoje portfolio. Jinak bude investovat student, jinak rodi\u010d se dv\u011bma d\u011btmi a jinak n\u011bkdo, kdo se…<\/p>\n","protected":false},"author":2,"featured_media":894,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podnikani"],"_links":{"self":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/893","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=893"}],"version-history":[{"count":1,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/893\/revisions"}],"predecessor-version":[{"id":895,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/posts\/893\/revisions\/895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=\/wp\/v2\/media\/894"}],"wp:attachment":[{"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=893"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.financniprirucka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}