{"id":7123,"date":"2024-01-21T18:01:11","date_gmt":"2024-01-21T17:01:11","guid":{"rendered":"https:\/\/www.forexsrovnavac.cz\/mag\/?p=7123"},"modified":"2024-02-06T22:59:36","modified_gmt":"2024-02-06T21:59:36","slug":"investovani-pro-deti-mimo-predrazene-financni-produkty","status":"publish","type":"post","link":"https:\/\/www.forexsrovnavac.cz\/mag\/investovani-pro-deti-mimo-predrazene-financni-produkty\/","title":{"rendered":"Investov\u00e1n\u00ed pro d\u011bti mimo (p\u0159edra\u017een\u00e9) finan\u010dn\u00ed produkty"},"content":{"rendered":"

Zah\u00e1jen\u00ed dosp\u011bl\u00e9ho \u017eivota s finan\u010dn\u00edm z\u00e1zem\u00edm je pro mlad\u00e9 lidi nesm\u00edrn\u011b cenn\u00e9. Jako rodi\u010de m\u00e1me mo\u017enost vytvo\u0159it pro sv\u00e9 d\u011bti finan\u010dn\u00ed z\u00e1klad bez nutnosti vy\u010derp\u00e1vat vlastn\u00ed \u00faspory. Existuj\u00ed r\u016fzn\u00e9 finan\u010dn\u00ed n\u00e1stroje, kter\u00e9 v\u00e1m mohou pomoci postarat se o finan\u010dn\u00ed budoucnost na\u0161ich d\u011bt\u00ed. Velikost finan\u010dn\u00edho pol\u0161t\u00e1\u0159e, kter\u00fd pro n\u011b p\u0159iprav\u00edme, z\u00e1vis\u00ed na tom, kam a jak budeme investovat. P\u0159e\u010dt\u011bte si srovn\u00e1n\u00ed r\u016fzn\u00fdch mo\u017enost\u00ed a zjist\u011bte, jak\u00fdm zp\u016fsobem m\u016f\u017eete pro sv\u00e9 d\u011bti vytvo\u0159it co nejsiln\u011bj\u0161\u00ed finan\u010dn\u00ed z\u00e1klad pro jejich budoucnost.<\/p>\n

Bez starost\u00ed vs. ob\u011btov\u00e1n\u00ed p\u00e1r hodin m\u011bs\u00ed\u010dn\u011b<\/h2>\n

Dnes si m\u016f\u017eeme vybrat mnoho bankovn\u00edch produkt\u016f, fond\u016f, kter\u00e9 n\u00e1m nab\u00edzej\u00ed investi\u010dn\u00ed \u00fa\u010dty pro d\u011bti. Jeliko\u017e je produkt\u016f tolik nem\u00e1 cenu je srovn\u00e1vat, jsou si v\u017edy skoro podobn\u00e9. Porovn\u00e1v\u00e1me zde ov\u0161em dva p\u0159\u00edstupy: „bez starost\u00ed“ prost\u0159ednictv\u00edm bankovn\u00edch fond\u016f a „aktivn\u00ed spr\u00e1vu“ investic do ETF bez spr\u00e1vcovsk\u00fdch poplatk\u016f, co\u017e zabere p\u00e1r hodin m\u011bs\u00ed\u010dn\u011b.<\/p>\n

Bankovn\u00ed produkty, investi\u010dn\u00ed Fondy: Pohodl\u00ed za vysok\u00e9 poplatky<\/span><\/strong><\/p>\n

Bankovn\u00ed produkty a investi\u010dn\u00ed fondy jsou \u010dasto vn\u00edm\u00e1ny jako investov\u00e1n\u00ed „bez starost\u00ed“. Banka nebo finan\u010dn\u00ed instituce spravuje va\u0161e investice. V\u00fdhodou je minimalizace va\u0161eho zapojen\u00ed a \u010dasu, kter\u00fd mus\u00edte investovat do spr\u00e1vy \u00fa\u010dtu. Nicm\u00e9n\u011b, tento pohodl\u00ed m\u016f\u017ee p\u0159ij\u00edt s vy\u0161\u0161\u00edmi poplatky.<\/p>\n

Tyto poplatky \u010dasto zahrnuj\u00ed spr\u00e1vcovsk\u00e9 poplatky, transak\u010dn\u00ed poplatky a dal\u0161\u00ed skryt\u00e9 n\u00e1klady<\/strong>, kter\u00e9 mohou v\u00fdznamn\u011b sn\u00ed\u017eit celkov\u00fd v\u00fdnos investice. Tyto poplatky se obvykle pohybuj\u00ed mezi 1 % a\u017e 2,5 % ro\u010dn\u011b z investovan\u00e9 \u010d\u00e1stky a v\u011bt\u0161ina t\u011bchto produkt\u016f stejn\u011b investuje do ETF, nebo si vytvo\u0159\u00ed vlastn\u00ed produkt. Nicm\u00e9n\u011b dnes ji\u017e do pro investov\u00e1n\u00ed do ETF nepot\u0159ebujeme takov\u00fd fond. ETF<\/a> obvykle nab\u00edzej\u00ed ni\u017e\u0161\u00ed poplatky ve srovn\u00e1n\u00ed s tradi\u010dn\u00edmi investi\u010dn\u00edmi fondy, \u010dasto mezi 0,1 % a\u017e 0,7 % ro\u010dn\u011b.<\/strong><\/p>\n

Investice do ETF bez spr\u00e1vcovsk\u00fdch oplatk\u016f: Aktivn\u00ed P\u0159\u00edstup<\/span><\/strong><\/p>\n

Investov\u00e1n\u00ed do ETF bez spr\u00e1vcovsk\u00fdch poplatk\u016f vy\u017eaduje aktivn\u011bj\u0161\u00ed p\u0159\u00edstup. Mus\u00edme si vybrat vhodn\u00e9 ETF, sledovat v\u00fdvoj trhu a pravideln\u011b p\u0159izp\u016fsobovat investi\u010dn\u00ed portfolio. Tento p\u0159\u00edstup m\u016f\u017ee b\u00fdt \u010dasov\u011b n\u00e1ro\u010dn\u011bj\u0161\u00ed, ale nab\u00edz\u00ed ni\u017e\u0161\u00ed n\u00e1klady d\u00edky absenci spr\u00e1vcovsk\u00fdch a transak\u010dn\u00edch poplatk\u016f, co\u017e m\u016f\u017ee v\u00e9st k vy\u0161\u0161\u00edm v\u00fdnos\u016fm v dlouhodob\u00e9m horizontu. Investice do ETF bez poplatk\u016f n\u00e1m tak\u00e9 umo\u017en\u00ed v\u011bt\u0161\u00ed kontrolu nad va\u0161imi investicemi.<\/p>\n

Srovn\u00e1n\u00ed poplatk\u016f jejich dopad na v\u00fdsledn\u00e9 investice<\/h3>\n

Zde je tabulka p\u0159epo\u010dten\u00fdch hodnot pro r\u016fzn\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edsp\u011bvky a p\u0159edpokl\u00e1dan\u00e9 z\u016fstatky, kdy\u017e va\u0161e d\u00edt\u011b dos\u00e1hne 18 a 25 let, p\u0159i p\u0159edpokl\u00e1dan\u00e9m ro\u010dn\u00edm v\u00fdnosu 8%, a to v \u010desk\u00fdch korun\u00e1ch (CZK), bez \u017e\u00e1dn\u00e9ho ro\u010dn\u00edho poplatku:<\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edsp\u011bvek (CZK)<\/th>Z\u016fstatek v 18 letech (CZK)<\/th>Z\u016fstatek v 25 letech (CZK)<\/th>\n<\/tr>\n<\/thead>\n
110<\/td>52,809<\/td>104,613<\/td>\n<\/tr>\n
220<\/td>105,619<\/td>209,226<\/td>\n<\/tr>\n
550<\/td>264,047<\/td>523,065<\/td>\n<\/tr>\n
1,100<\/td>528,095<\/td>1,046,129<\/td>\n<\/tr>\n
2,200<\/td>1,056,189<\/td>2,092,258<\/td>\n<\/tr>\n
5,500<\/td>2,640,474<\/td>5,230,645<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Tato tabulka poskytuje p\u0159ehled o tom, jak mohou r\u016fzn\u00e9 \u00farovn\u011b m\u011bs\u00ed\u010dn\u00edch p\u0159\u00edsp\u011bvk\u016f v\u00e9st k v\u00fdznamn\u00e9mu n\u00e1r\u016fstu finan\u010dn\u00edch prost\u0159edk\u016f pro va\u0161e d\u00edt\u011b v pr\u016fb\u011bhu \u010dasu, co\u017e je u\u017eite\u010dn\u00e9 pro pl\u00e1nov\u00e1n\u00ed dlouhodob\u00fdch finan\u010dn\u00edch c\u00edl\u016f.<\/p>\n

Pokud zapo\u010d\u00edt\u00e1me\u00a0 0.4% ro\u010dn\u00ed poplatek jako pr\u016fm\u011br pro v\u011bt\u0161inu ETF<\/strong><\/span><\/p>\n

Zde je tabulka p\u0159epo\u010dten\u00fdch hodnot s p\u0159ihl\u00e9dnut\u00edm k ro\u010dn\u00edmu poplatku 0,4% pro r\u016fzn\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edsp\u011bvky a p\u0159edpokl\u00e1dan\u00e9 z\u016fstatky, kdy\u017e va\u0161e d\u00edt\u011b dos\u00e1hne 18 a 25 let, v \u010desk\u00fdch korun\u00e1ch (CZK):<\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edsp\u011bvek (CZK)<\/th>Z\u016fstatek v 18 letech (CZK)<\/th>Z\u016fstatek v 25 letech (CZK)<\/th>\n<\/tr>\n<\/thead>\n
110<\/td>50,552<\/td>98,061<\/td>\n<\/tr>\n
220<\/td>101,104<\/td>196,123<\/td>\n<\/tr>\n
550<\/td>252,761<\/td>490,307<\/td>\n<\/tr>\n
1,100<\/td>505,522<\/td>980,613<\/td>\n<\/tr>\n
2,200<\/td>1,011,044<\/td>1,961,227<\/td>\n<\/tr>\n
5,500<\/td>2,527,611<\/td>4,903,067<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Tyto hodnoty ukazuj\u00ed, jak\u00fd vliv m\u00e1 ro\u010dn\u00ed poplatek 0,4% na akumulaci \u00faspor. Ve srovn\u00e1n\u00ed s vy\u0161\u0161\u00edmi poplatky je z\u0159ejm\u00e9, \u017ee ni\u017e\u0161\u00ed poplatky maj\u00ed men\u0161\u00ed negativn\u00ed dopad na kone\u010dnou \u010d\u00e1stku, co\u017e je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit p\u0159i v\u00fdb\u011bru investi\u010dn\u00ed strategie.<\/p>\n

Pokud zapo\u010d\u00edt\u00e1me 2.5% ro\u010dn\u00ed poplatek, kter\u00fd je b\u011b\u017en\u00fd u mainstreamov\u00fdch produkt\u016f<\/strong><\/span><\/p>\n

Zde je tabulka p\u0159epo\u010dten\u00fdch hodnot s p\u0159ihl\u00e9dnut\u00edm k ro\u010dn\u00edmu poplatku 2,5% pro r\u016fzn\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edsp\u011bvky a p\u0159edpokl\u00e1dan\u00e9 z\u016fstatky, kdy\u017e va\u0161e d\u00edt\u011b dos\u00e1hne 18 a 25 let, v \u010desk\u00fdch korun\u00e1ch (CZK):<\/p>\n\n\n\n\n\t\n\n\t\n\t\n\t\n\t\n\t\n\t
M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edsp\u011bvek (CZK)<\/th>Z\u016fstatek v 18 letech (CZK)<\/th>Z\u016fstatek v 25 letech (CZK)<\/th>\n<\/tr>\n<\/thead>\n
110<\/td>40,444<\/td>70,624<\/td>\n<\/tr>\n
220<\/td>80,887<\/td>141,248<\/td>\n<\/tr>\n
550<\/td>202,219<\/td>353,121<\/td>\n<\/tr>\n
1,100<\/td>404,437<\/td>706,241<\/td>\n<\/tr>\n
2,200<\/td>808,874<\/td>1,412,482<\/td>\n<\/tr>\n
5,500<\/td>2,022,185<\/td>3,531,206<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

Tyto hodnoty ukazuj\u00ed, jak\u00fd vliv m\u00e1 ro\u010dn\u00ed poplatek 2,5% na akumulaci \u00faspor. Ve srovn\u00e1n\u00ed s p\u0159edchoz\u00edmi v\u00fdpo\u010dty bez poplatku je z\u0159ejm\u00e9, \u017ee poplatky v\u00fdznamn\u011b sni\u017euj\u00ed kone\u010dnou \u010d\u00e1stku, co\u017e je d\u016fle\u017eit\u00e9 zv\u00e1\u017eit p\u0159i v\u00fdb\u011bru investi\u010dn\u00ed strategie<\/p>\n

Pro\u010d jsme zvolili v\u00fdnos 8% ro\u010dn\u011b? Pr\u00e1v\u011b to je pr\u016fm\u011brn\u00fd ro\u010dn\u00ed v\u00fdnos S&P 500.<\/a><\/em><\/span> Do tohoto indexu m\u016f\u017eeme pravideln\u011b investovat pr\u00e1v\u011b skrze ETF.<\/p>\n

Pomohou ETF a DCA strategie<\/h2>\n

Investov\u00e1n\u00ed pro budoucnost d\u011bt\u00ed pomoc\u00ed ETF a strategie DCA (Dollar-Cost Averaging) m\u016f\u017ee b\u00fdt velmi efektivn\u00edm zp\u016fsobem, jak budovat finan\u010dn\u00ed z\u00e1zem\u00ed pro va\u0161e potomky. Tento p\u0159\u00edstup kombinuje v\u00fdhody diverzifikace a systematick\u00e9ho investov\u00e1n\u00ed.<\/p>\n

    \n
  1. ETF a Diverzifikace:<\/strong>\n