{"id":5218,"date":"2023-05-11T15:07:07","date_gmt":"2023-05-11T13:07:07","guid":{"rendered":"https:\/\/www.forexsrovnavac.cz\/mag\/?p=5218"},"modified":"2023-07-06T00:08:59","modified_gmt":"2023-07-05T22:08:59","slug":"co-je-investicni-horizont-a-jaky-zvolit","status":"publish","type":"post","link":"https:\/\/www.forexsrovnavac.cz\/mag\/co-je-investicni-horizont-a-jaky-zvolit\/","title":{"rendered":"Co je investi\u010dn\u00ed horizont a jak\u00fd zvolit?"},"content":{"rendered":"<p>Investi\u010dn\u00ed horizont se jednodu\u0161e <strong>definuje jako \u010dasov\u00e9 obdob\u00ed<\/strong>, na kter\u00e9 investor pl\u00e1nuje investovat sv\u00e9 pen\u00edze. Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee ka\u017ed\u00e1 \u010d\u00e1stka nemus\u00ed m\u00edt stejn\u00fd investi\u010dn\u00ed horizont. Doporu\u010den\u00fd investi\u010dn\u00ed horizont je r\u016fzn\u00fd, nap\u0159\u00edklad \u010d\u00e1stku, kterou budete \u010dlov\u011bk nebude pot\u0159ebovat za rok, je vhodn\u00e9 investovat jinak ne\u017e \u010d\u00e1stku, na kterou nebudete pot\u0159ebovat p\u0159\u00edstup po dobu 15 let.<\/p>\n<h2>V\u00fdb\u011br investi\u010dn\u00edho horizontu<\/h2>\n<p>P\u0159i ka\u017ed\u00e9 investici je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit, <strong>kdy budou pen\u00edze pot\u0159eba<\/strong>. Je\u0161t\u011b l\u00e9pe je p\u0159em\u00fd\u0161let, zda je nebudeme pot\u0159ebovat d\u0159\u00edve ne\u017e pl\u00e1nujeme. Je tak\u00e9 d\u016fle\u017eit\u00e9 zv\u00e1\u017eit, zda budeme pot\u0159ebovat investovan\u00e9 pen\u00edze v pln\u00e9 v\u00fd\u0161i nebo jen \u010d\u00e1st z nich. Ka\u017ed\u00e1 investice nese ur\u010dit\u00e9 riziko, jako je <strong>pokles cen akci\u00ed, fluktuace tr\u017en\u00edch cen, inflace,<\/strong> zm\u011bny \u00farokov\u00fdch sazeb nebo dokonce selh\u00e1n\u00ed instituce, kde jsou pen\u00edze ulo\u017eeny. Podle druhu investi\u010dn\u00edho n\u00e1stroje jsme v\u00edce nebo m\u00e9n\u011b poji\u0161t\u011bni a chr\u00e1n\u011bni proti t\u011bmto rizik\u016fm.<\/p>\n<p>Nicm\u00e9n\u011b je st\u00e1le d\u016fle\u017eit\u00e9 br\u00e1t v \u00favahu mo\u017enost, \u017ee investice m\u016f\u017ee ztratit celou svou hodnotu. Proto je d\u016fle\u017eit\u00e9 pe\u010dliv\u011b zv\u00e1\u017eit, jakou \u010d\u00e1stku chceme do investov\u00e1n\u00ed vlo\u017eit a na jak dlouho.<\/p>\n<ul>\n<li><strong>Kr\u00e1tkodob\u00fd horizont <\/strong><\/li>\n<\/ul>\n<p>Kr\u00e1tkodob\u00e9 investice trvaj\u00ed m\u00e9n\u011b ne\u017e 5 let a jsou vhodn\u00e9 pro investory bl\u00ed\u017e\u00edc\u00ed se d\u016fchodu nebo pot\u0159ebuj\u00edc\u00ed dostupn\u00e9 finan\u010dn\u00ed prost\u0159edky v bl\u00edzk\u00e9 budoucnosti. Spo\u0159ic\u00ed \u00fa\u010dty, term\u00ednovan\u00e9 vklady, depozitn\u00ed certifik\u00e1ty, kr\u00e1tkodob\u00e9 dluhopisy a fondy pen\u011b\u017en\u00edho trhu jsou \u010dasto pou\u017e\u00edvan\u00e9 investi\u010dn\u00ed n\u00e1stroje pro kr\u00e1tkodob\u00fd horizont investov\u00e1n\u00ed. Tyto n\u00e1stroje jsou likvidn\u00ed a maj\u00ed n\u00edzkou volatilitu, co\u017e umo\u017e\u0148uje snadn\u00fd p\u0159evod investi\u010dn\u00edch n\u00e1stroj\u016f na hotovost.<\/p>\n<ul>\n<li><strong>St\u0159edn\u011bdob\u00fd horizont<\/strong><\/li>\n<\/ul>\n<p>St\u0159edn\u011bdob\u00e9 investice maj\u00ed trv\u00e1n\u00ed v rozmez\u00ed 5-10 let a jsou v pr\u016fm\u011bru nej\u010dast\u011bji vyu\u017e\u00edv\u00e1ny.\u00a0 Je vhodn\u00e9 m\u00edt rozmanit\u00e9 portfolio s investicemi do <strong>akci\u00ed nebo i ETF, p\u0159\u00edpadn\u011b komodit<\/strong>, p\u0159i\u010dem\u017e pom\u011br z\u00e1vis\u00ed na individu\u00e1ln\u00edch preferenc\u00edch. T\u00edmto zp\u016fsobem lze chr\u00e1nit pen\u00edze p\u0159ed inflac\u00ed a udr\u017eet jejich hodnotu.<\/p>\n<ul>\n<li><strong>Dlouhodob\u00fd horizont<\/strong><\/li>\n<\/ul>\n<p>Dlouhodob\u00fd investi\u010dn\u00ed horizont je ur\u010den pro investice trvaj\u00edc\u00ed deset let nebo d\u00e9le. Dlouhodob\u00ed investo\u0159i p\u0159ij\u00edmaj\u00ed vy\u0161\u0161\u00ed riziko za o\u010dek\u00e1van\u011b vy\u0161\u0161\u00ed v\u00fdnosy, proto\u017ee pl\u00e1nuj\u00ed prodat sv\u00e9 investice a\u017e po dlouh\u00e9 dob\u011b. V\u011bt\u0161ina z nich m\u00e1 ve sv\u00e9m portfoliu v\u00fdznamnou \u010d\u00e1st rizikov\u00fdch investic, zejm\u00e9na r\u016fstov\u00e9 akcie s potenci\u00e1lem vysok\u00fdch v\u00fdnos\u016f. Malou \u010d\u00e1st portfolia mohou tvo\u0159it komodity. N\u011bkte\u0159\u00ed investo\u0159i s vy\u0161\u0161\u00ed averz\u00ed k riziku mohou nakupovat Bitcoin nebo i dal\u0161\u00ed kryptom\u011bny.<\/p>\n<h2>Budouc\u00ed v\u00fddaje je slo\u017eit\u00e9 odhadovat<\/h2>\n<p>Samoz\u0159ejm\u011b, \u017ee <strong>p\u0159esn\u00e9 ur\u010den\u00ed budouc\u00edch v\u00fddaj\u016f je obt\u00ed\u017en\u00e9<\/strong> a nelze je odhadnout na p\u0159esnou \u010d\u00e1stku. Nicm\u00e9n\u011b, ka\u017ed\u00fd z n\u00e1s si m\u016f\u017ee s\u00e1m pro sebe \u0159\u00edct: &#8222;za rok si p\u0159eji koupit nov\u00e9 auto,&#8220; &#8222;za 15 let chci za\u010d\u00edt stav\u011bt,&#8220; &#8222;za 5 let pl\u00e1nuji po\u0159\u00eddit novou ob\u00fdvac\u00ed st\u011bnu,&#8220; &#8222;lednice ji\u017e nevydr\u017e\u00ed d\u00e9le ne\u017e rok&#8220; a podobn\u011b. Toto je pouze inspirativn\u00ed seznam toho, na co je t\u0159eba myslet p\u0159i ka\u017ed\u00e9 investici. Je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit sv\u00e9 v\u00fddaje a pl\u00e1ny. To je z\u00e1kladn\u00ed krok, kter\u00fd je nezbytn\u00fd pro dal\u0161\u00ed postup.<\/p>\n<p>Je d\u016fle\u017eit\u00e9 v\u011bnovat dostatek \u010dasu diskuzi v rodin\u011b. Mo\u017en\u00e1 v\u00e1s samotn\u00e9ho nenapadnou v\u0161echny p\u0159\u00e1n\u00ed a pot\u0159eby, kter\u00e9 va\u0161e rodina m\u00e1. Investov\u00e1n\u00ed do nespr\u00e1vn\u00e9ho dlouhodob\u00e9ho finan\u010dn\u00edho n\u00e1stroje a n\u00e1sledn\u00e9 nal\u00e9hav\u00e9 pot\u0159eby pen\u011bz v\u017edy znamenaj\u00ed<strong> zbyte\u010dn\u011b vyhozen\u00e9 prost\u0159edky.<\/strong><\/p>\n<h2>Investi\u010dn\u00ed horizont je z\u00e1klad<\/h2>\n<p>Promy\u0161len\u00ed va\u0161\u00ed sou\u010dasn\u00e9 situace a budouc\u00edch p\u0159\u00e1n\u00ed a pot\u0159eb je kl\u00ed\u010dov\u00fdm a zcela jednoduch\u00fdm krokem, kter\u00fd vy\u017eaduje pouze v\u00e1\u0161 \u010das. Je d\u016fle\u017eit\u00e9 p\u0159em\u00fd\u0161let,<strong> zva\u017eovat r\u016fzn\u00e9 mo\u017enosti a dokonce odhadovat, co se bude v budoucnosti ve va\u0161\u00ed rodin\u011b d\u00edt v horizontu n\u011bkolika let \u010di desetilet\u00ed.<\/strong> Ka\u017ed\u00fd z n\u00e1s je schopen takov\u00e9 \u00favahy prov\u00e9st samostatn\u011b. Nesm\u00edme podce\u0148ovat tento krok. Dnes n\u00e1s bombarduj\u00ed reklamy a inzer\u00e1ty s r\u016fzn\u00fdmi investi\u010dn\u00edmi p\u0159\u00edle\u017eitostmi.<\/p>\n<p>Ale je d\u016fle\u017eit\u00e9 zjistit, zda tyto p\u0159\u00edle\u017eitosti skute\u010dn\u011b odpov\u00eddaj\u00ed na\u0161im pot\u0159eb\u00e1m a p\u0159\u00e1n\u00ed v nadch\u00e1zej\u00edc\u00edch letech a desetilet\u00edch. Pokud ano, pro\u010d nevyu\u017e\u00edt takovou p\u0159\u00edle\u017eitost? Av\u0161ak m\u011bjme na pam\u011bti, \u017ee je nutn\u00e9 zv\u00e1\u017eit v\u0161echny okolnosti spojen\u00e9 s na\u0161\u00ed finan\u010dn\u00ed situac\u00ed a pl\u00e1ny. Investov\u00e1n\u00ed vy\u017eaduje v\u017edy dostatek \u010dasu. Dny a hodiny nejsou rozhoduj\u00edc\u00ed.<\/p>\n<h3>Z\u00e1v\u011br<\/h3>\n<p>\u0160patn\u00e9 rozhodnut\u00ed m\u016f\u017eeme u\u010dinit okam\u017eit\u011b. Ale spr\u00e1vn\u00e1 investi\u010dn\u00ed rozhodnut\u00ed jsou zalo\u017eena na p\u0159em\u00fd\u0161len\u00ed, \u00favaze a mo\u017en\u00e1 i jednoduch\u00e9m modelov\u00e1n\u00ed, abychom mohli vid\u011bt, jak\u00e9 p\u0159\u00ednosy n\u00e1m jednotliv\u00e9 investi\u010dn\u00ed p\u0159\u00edle\u017eitosti mohou p\u0159in\u00e9st. A\u017e pot\u00e9 je vhodn\u00e9 ud\u011blat rozhodnut\u00ed, kter\u00e9 ovlivn\u00ed n\u00e1\u0161 \u017eivot na n\u011bkolik let \u010di desetilet\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investi\u010dn\u00ed horizont se jednodu\u0161e definuje jako \u010dasov\u00e9 obdob\u00ed, na kter\u00e9 investor pl\u00e1nuje investovat sv\u00e9 pen\u00edze. Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee ka\u017ed\u00e1 \u010d\u00e1stka nemus\u00ed m\u00edt stejn\u00fd investi\u010dn\u00ed horizont. Doporu\u010den\u00fd investi\u010dn\u00ed horizont je r\u016fzn\u00fd, nap\u0159\u00edklad \u010d\u00e1stku, kterou budete \u010dlov\u011bk nebude pot\u0159ebovat za rok, je vhodn\u00e9 investovat jinak ne\u017e \u010d\u00e1stku, na kterou nebudete pot\u0159ebovat p\u0159\u00edstup po dobu 15 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5224,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"Investi\u010dn\u00ed horizont se definuje jako \u010dasov\u00e9 obdob\u00ed, na kter\u00e9 investor pl\u00e1nuje investovat. Ka\u017ed\u00e1 \u010d\u00e1stka nemus\u00ed m\u00edt stejn\u00fd investi\u010dn\u00ed horizont.","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[194],"tags":[],"class_list":["post-5218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-akcie"],"modified_by":"Krpensk\u00fd Martin","_links":{"self":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts\/5218","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/comments?post=5218"}],"version-history":[{"count":0,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/posts\/5218\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/media\/5224"}],"wp:attachment":[{"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/media?parent=5218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/categories?post=5218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.forexsrovnavac.cz\/mag\/wp-json\/wp\/v2\/tags?post=5218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}