{"id":2572,"date":"2022-08-14T09:28:08","date_gmt":"2022-08-14T07:28:08","guid":{"rendered":"https:\/\/stalo-se.cz\/?p=2572"},"modified":"2022-08-14T09:28:44","modified_gmt":"2022-08-14T07:28:44","slug":"co-je-investicni-horizont-aneb-planovani-investic","status":"publish","type":"post","link":"https:\/\/stalo-se.cz\/?p=2572","title":{"rendered":"Co je investi\u010dn\u00ed horizont aneb pl\u00e1nov\u00e1n\u00ed investic"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Spousta lid\u00ed chce<strong> investovat<\/strong>, aby m\u011bli lep\u0161\u00ed finan\u010dn\u00ed \u017eivot a splnili si svoje sny a c\u00edle. Pokud ale opravdu <a href=\"https:\/\/www.fingo.cz\/investice\">chcete vyd\u011bl\u00e1vat investov\u00e1n\u00edm<\/a>, m\u011bli byste si ud\u011blat investi\u010dn\u00ed pl\u00e1n a ur\u010dit sv\u016fj <strong>investi\u010dn\u00ed horizont<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Investi\u010dn\u00ed horizont<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0165 u\u017e pl\u00e1nujete t\u0159eba investici na 5 let \u010di <strong>dlouhodob\u00fd r\u016fst financ\u00ed<\/strong>, m\u011bli byste si ur\u010dit investi\u010dn\u00ed horizont. Investi\u010dn\u00ed horizont je doba, na kterou je investice pl\u00e1novan\u00e1. Investi\u010dn\u00ed horizont m\u016f\u017ee b\u00fdt t\u0159eba va\u0161\u00edm \u010dasov\u00fdm r\u00e1mcem pro dosa\u017een\u00ed finan\u010dn\u00edho c\u00edle, jako je <strong>koup\u011b auta<\/strong>. Zpravidla plat\u00ed, \u017ee s del\u0161\u00edm investi\u010dn\u00edm horizontem se<strong> sni\u017euj\u00ed rizika<\/strong>. Taky z\u00e1vis\u00ed na va\u0161em c\u00edli, jestli bude va\u0161e investice na 5 let, nebo se bude pohybovat u\u017e od n\u011bkolika m\u011bs\u00edc\u016f, nebo a\u017e po <strong>desetilet\u00ed<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Investi\u010dn\u00ed horizont pro konkr\u00e9tn\u00ed c\u00edle<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste dos\u00e1hli sv\u00fdch finan\u010dn\u00edch c\u00edl\u016f a <strong>maximalizovali sv\u00e9 v\u00fdnosy<\/strong>, m\u011bli byste na prvn\u00edm m\u00edst\u011b spr\u00e1vn\u011b stanovit sv\u016fj <strong>investi\u010dn\u00ed horizont<\/strong>. Rozd\u011blme si ho do <strong>t\u0159\u00ed kategori\u00ed<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>kr\u00e1tkodob\u00e1 investice: m\u00e9n\u011b ne\u017e t\u0159i roky;<\/li><li>st\u0159edn\u011bdob\u00e1 investice: t\u0159i a\u017e deset let;<\/li><li>dlouhodob\u00e1 investice: v\u00edce ne\u017e deset let.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nap\u0159\u00edklad: Je v\u00e1m 18 let a ve dvaceti si chcete koupit nov\u00e9 auto. V\u00e1\u0161 investi\u010dn\u00ed horizont je tedy 2 roky, investice je <strong>kr\u00e1tkodob\u00e1<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za ty 2 roky v\u00e1m investice mus\u00ed vyn\u00e9st dostatek financ\u00ed na nov\u00e9 auto.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e1le byste si cht\u011bli ve 27 letech koupit d\u016fm, tedy pot\u0159ebujete investovat st\u0159edn\u011bdob\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A m\u00e1te v pl\u00e1nu ukon\u010dit kari\u00e9ru ve v\u011bku 60 let, \u00faspory na d\u016fchod budou<strong> investice na desetilet\u00ed.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011bhem va\u0161eho \u017eivota se ale n\u011bkter\u00e9 c\u00edle mohou zm\u011bnit a mohou se i p\u0159idat, co\u017e bude znamenat, \u017ee budete muset <strong>aktualizovat sv\u016fj investi\u010dn\u00ed pl\u00e1n<\/strong> a zm\u011bnit investi\u010dn\u00ed horizont.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Proto byste m\u011bli b\u00fdt v\u017edy p\u0159ipraveni p\u0159izp\u016fsobit sv\u016fj investi\u010dn\u00ed horizont m\u011bn\u00edc\u00edm se pot\u0159eb\u00e1m a priorit\u00e1m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Investi\u010dn\u00ed horizont pro odchod do d\u016fchodu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud si chcete sami ur\u010dit investi\u010dn\u00ed horizont <strong>odchodu do d\u016fchodu<\/strong>, mus\u00edte si polo\u017eit dv\u011b z\u00e1sadn\u00ed ot\u00e1zky. T\u011bmi jsou \u201eKolik mi je te\u010f?\u201d a \u201eV kolika letech chci do d\u016fchodu?\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sv\u00e9 investice p\u0159izp\u016fsob\u00edte tomu, kolik let v\u00e1m do d\u016fchodu zb\u00fdv\u00e1. Nap\u0159\u00edklad, pokud budete pracovn\u011b aktivn\u00ed je\u0161t\u011b 20 let, investujete 75 % sv\u00fdch pen\u011bz do akci\u00ed a 25 % do dluhopis\u016f. Jestli\u017ee v\u00e1m do d\u016fchodu zb\u00fdvaj\u00ed u\u017e jenom dva roky, vytvo\u0159\u00edte portfolio s men\u0161\u00ed volatilitou a nakoup\u00edte nap\u0159\u00edklad 50 % akci\u00ed a 50 % dluhopis\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Jak vytvo\u0159it spr\u00e1vn\u00fd investi\u010dn\u00ed pl\u00e1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ed investov\u00e1n\u00edm by si m\u011bl ka\u017ed\u00fd vytvo\u0159it sv\u016fj <strong>investi\u010dn\u00ed pl\u00e1n<\/strong>. Nechceme p\u0159eci, aby \u0161ly na\u0161e finance a investice do kytek. V\u00e1\u0161 investi\u010dn\u00ed pl\u00e1n by m\u011bl vych\u00e1zet z t\u011bchto bod\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Zjist\u011bte, kdy a kolik u\u0161et\u0159\u00edte;<\/li><li>ur\u010dete si sv\u00e9 finan\u010dn\u00ed c\u00edle;<\/li><li>analyzujte svou schopnost riskovat;<\/li><li>vytvo\u0159te si spo\u0159\u00edc\u00ed portfolio;<\/li><li>p\u0159e\u010dt\u011bte si o v\u0161ech investi\u010dn\u00edch mo\u017enostech;<\/li><li>vypo\u010d\u00edtejte si svoji alokaci aktiv;<\/li><li>zjist\u011bte si, jak spr\u00e1vn\u011b sestavit sv\u00e9 portfolio.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jak u\u017e bylo zm\u00edn\u011bno, pl\u00e1nov\u00e1n\u00ed investic n\u00e1m pom\u016f\u017ee p\u0159i d\u011bl\u00e1n\u00ed <strong>spr\u00e1vn\u00fdch krok\u016f v investov\u00e1n\u00ed<\/strong>. Pokud ov\u0161em nem\u00e1te \u010das na samotn\u00e9 pl\u00e1nov\u00e1n\u00ed, m\u016f\u017eete kontaktovat finan\u010dn\u00ed poradce, kte\u0159\u00ed s v\u00e1mi budou konzultovat doporu\u010den\u00fd investi\u010dn\u00ed horizont a budou ochotni v\u00e1m se v\u0161\u00edm pomoct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zpravidla plat\u00ed, \u017ee \u010d\u00edm del\u0161\u00ed bude v\u00e1\u0161 investi\u010dn\u00ed horizont pro <strong>penzijn\u00ed spo\u0159en\u00ed<\/strong>, t\u00edm m\u00e9n\u011b <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spousta lid\u00ed chce investovat, aby m\u011bli lep\u0161\u00ed finan\u010dn\u00ed \u017eivot a splnili si svoje sny a&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2575,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[2],"tags":[],"class_list":["post-2572","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2572","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2572"}],"version-history":[{"count":0,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/posts\/2572\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=\/wp\/v2\/media\/2575"}],"wp:attachment":[{"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2572"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2572"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stalo-se.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2572"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}