{"id":52723,"date":"2024-04-30T00:33:00","date_gmt":"2024-04-29T22:33:00","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=52723"},"modified":"2024-04-29T18:18:24","modified_gmt":"2024-04-29T16:18:24","slug":"ctyri-argumenty-proc-se-zajistit-na-stari-investovanim","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2024\/04\/30\/ctyri-argumenty-proc-se-zajistit-na-stari-investovanim\/","title":{"rendered":"\u010cty\u0159i argumenty, pro\u010d se zajistit na st\u00e1\u0159\u00ed investov\u00e1n\u00edm"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p>Do d\u016fchodu se nepro\u0161et\u0159\u00edme a nem\u016f\u017eeme se ani spolehnout na to, \u017ee se o n\u00e1s postar\u00e1 st\u00e1t. Jedn\u00e1 se o zn\u00e1m\u00e1 a \u010dasto opakovan\u00e1 fakta, kter\u00e1 dokl\u00e1d\u00e1 n\u011bkolik jednoduch\u00fdch \u010d\u00edsel. Stejn\u011b tak existuje n\u011bkolik\u00a0 \u00favah, co s t\u00edm ka\u017ed\u00fd z n\u00e1s m\u016f\u017ee ud\u011blat.<\/p>\n<h3><span style=\"font-size: 18pt;\">1.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Neudr\u017eitelnost penzijn\u00edho syst\u00e9mu<\/span><\/h3>\n<p>Dne\u0161n\u00ed produktivn\u00ed generace prakticky nem\u00e1 na v\u00fdb\u011br, ne\u017e \u017ee se za\u010dne aktivn\u011b zaji\u0161\u0165ovat na\u00a0d\u016fchod sama. Politicko-ekonomick\u00fd z\u00e1zrak je marn\u00e9 vyhl\u00ed\u017eet, i kdyby m\u011blo (a patrn\u011b bude) doch\u00e1zet ke zm\u011bn\u00e1m v\u00a0politice odvod\u016f do soci\u00e1ln\u00edho syst\u00e9mu nebo zm\u011bn\u00e1m ve v\u00fd\u0161i vypl\u00e1cen\u00fdch d\u016fchod\u016f.<\/p>\n<p>V\u00a0roce 2022 p\u0159ipadalo v\u00a0\u010cesku na 6,7 milion\u016f obyvatel v produktivn\u00edm v\u011bku (15\u201364 let) p\u0159ibli\u017en\u011b 2,2 milionu obyvatel ve v\u011bku d\u016fchodov\u00e9m (65+ let). Bereme-li v\u00a0potaz pouze ekonomicky aktivn\u00ed, p\u0159ipad\u00e1 2,3 ekonomicky aktivn\u00edch osob na jednu osobu v\u00a0d\u016fchodov\u00e9m v\u011bku <a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>. I p\u0159i tomto pom\u011bru byl d\u016fchodov\u00fd syst\u00e9m v\u00a0deficitu 72,8 miliard korun.<\/p>\n<p><a href=\"https:\/\/stranapro.cz\/\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-40285 aligncenter\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/11\/11pro-300x79.png\" alt=\"\" width=\"600\" height=\"158\" srcset=\"https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/11\/11pro-300x79.png 300w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2023\/11\/11pro.png 363w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>Deficit se bude, bez struktur\u00e1ln\u00edch z\u00e1sah\u016f, vzhledem ke st\u00e1rnut\u00ed populace d\u00e1le prohlubovat. <em>B\u011bhem prvn\u00edho desetilet\u00ed po roce 2000 vzrostlo zastoupen\u00ed senior\u016f v populaci z bezm\u00e1la 14\u00a0% na necel\u00fdch 16 %, b\u011bhem druh\u00e9ho desetilet\u00ed pak a\u017e na \u00farove\u0148 20 %, tj. na jednu p\u011btinu populace <a href=\"#_ftn2\" name=\"_ftnref2\"><strong>[2]<\/strong><\/a><\/em>. Datov\u00e9 projekce Eurostatu z\u00a0roku 2023 odhaduj\u00ed, \u017ee v\u00a0roce 2050 by na jednu osobu v\u00a0d\u016fchodov\u00e9m v\u011bku (65+) m\u011blo v \u010cesku p\u0159i stejn\u00e9 \u00farovni ekonomick\u00e9 aktivity dosp\u011bl\u00e9 populace p\u0159ipadat na jednoho d\u016fchodce u\u017e pouze 1,56 pracuj\u00edc\u00edch <a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a>.<\/p>\n<p>U\u017e dnes m\u016f\u017ee ka\u017ed\u00fd podniknout pot\u0159ebn\u00e9 kroky, aby vzal udr\u017een\u00ed sv\u00e9 \u017eivotn\u00ed \u00farovn\u011b ve st\u00e1\u0159\u00ed do sv\u00fdch rukou. Nejdostupn\u011bj\u0161\u00edm a nejefektivn\u011bj\u0161\u00edm zp\u016fsobem, jak pomoci nejen sob\u011b, ale cel\u00e9mu d\u016fchodov\u00e9mu syst\u00e9mu, je investovat \u010d\u00e1st sv\u00e9ho p\u0159\u00edjmu u\u017e dnes, v\u00a0produktivn\u00edm v\u011bku \u2013 \u010d\u00edm d\u0159\u00edve investor za\u010dne, t\u00edm v\u011bt\u0161\u00edho benefitu se m\u016f\u017ee do\u010dkat.<\/p>\n<h3><span style=\"font-size: 18pt;\">2.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Pravideln\u00e9 investice<\/span><\/h3>\n<p>Pokud je v\u00e1m 30 let a o\u010dek\u00e1v\u00e1te odchod do d\u016fchodu v\u00a065 letech, s\u00a0n\u00e1slednou m\u011bs\u00ed\u010dn\u00ed spot\u0159ebou ekvivalentn\u00ed dne\u0161n\u00edm 20 tis\u00edc\u016fm korun po dobu 20 let, potom byste k\u00a0pohodln\u00e9mu sc\u00e9n\u00e1\u0159i, ve kter\u00e9m by v\u00e1m zbyl je\u0161t\u011b skoro milion korun, pot\u0159ebovali m\u011bs\u00ed\u010dn\u011b odkl\u00e1dat odhadem 8 % pr\u016fm\u011brn\u00e9 \u010dist\u00e9 mzdy p\u0159i o\u010dek\u00e1van\u00e9m ro\u010dn\u00edm zhodnocen\u00ed 7,5 %.<\/p>\n<p><strong>Sc\u00e9n\u00e1\u0159 investov\u00e1n\u00ed na d\u016fchod uva\u017euje s:<\/strong><\/p>\n<ul>\n<li>r\u016fstem mzdy o 3 % ro\u010dn\u011b,<\/li>\n<li>pr\u016fm\u011brnou ro\u010dn\u00ed\u00a0m\u00edrou inflace 2,5 %,<\/li>\n<li>pokra\u010duj\u00edc\u00edm zhodnocov\u00e1n\u00edm z\u016fstatku zhodnocen\u00fdch \u00faspor za sou\u010dasn\u00e9ho \u010derp\u00e1n\u00ed d\u016fchodov\u00e9 spot\u0159eby.<\/li>\n<\/ul>\n<h3><span style=\"font-size: 18pt;\">3.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Investi\u010dn\u00ed horizont<\/span><\/h3>\n<p>P\u0159esto\u017ee v\u00a0p\u0159\u00edkladu v\u00fd\u0161e uva\u017eujeme anualizovan\u00fd v\u00fdnos 7,5 % ro\u010dn\u011b, pr\u016fm\u011brn\u00fd v\u00fdnos obl\u00edben\u00e9ho a mezi investory nejzn\u00e1m\u011bj\u0161\u00edho indexu S&amp;P 500 (500 nejv\u011bt\u0161\u00edch americk\u00fdch burzovn\u011b obchodovan\u00fdch spole\u010dnost\u00ed) za posledn\u00edch 20 let dosahuje pr\u016fm\u011brn\u00e9ho v\u00fdnosu 10,2\u00a0%<sup> <a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>. <\/sup>ro\u010dn\u011b, na dlouhodob\u00e9m horizontu dokonce o n\u011bkolik desetin v\u00edce.<\/p>\n<p>D\u00e9lka investi\u010dn\u00edho horizontu je nejv\u011bt\u0161\u00ed spojenec dlouhodob\u00e9ho investora, kter\u00fd ov\u0161em mus\u00ed pamatovat na z\u00e1konitosti trhu a nepropadat panice kv\u016fli kr\u00e1tkodob\u00e9mu v\u00fdvoji trhu. Historie n\u00e1m z\u0159eteln\u011b \u0159\u00edk\u00e1, \u017ee pr\u00e1v\u011b po v\u00fdznamn\u00fdch propadech trhu n\u00e1sledovaly z\u00e1rove\u0148 ta nejsiln\u011bj\u0161\u00ed r\u016fstov\u00e1 obdob\u00ed \u2013 jejich na\u010dasov\u00e1n\u00ed je v\u0161ak t\u011b\u017eko p\u0159edv\u00eddateln\u00e9. Nap\u0159\u00edklad posledn\u00ed medv\u011bd\u00ed trh v\u00a0roce 2022 zp\u016fsobil propad indexu S&amp;P 500 o 25 % za 10 m\u011bs\u00edc\u016f, ale zhruba za rok od\u00a0cenov\u00e9ho dna tohoto medv\u011bd\u00edho trhu se indexu poda\u0159ilo vr\u00e1tit na p\u016fvodn\u00ed hodnoty.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-52724 aligncenter\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2024\/04\/vynos-300x141.jpg\" alt=\"\" width=\"807\" height=\"379\" srcset=\"https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2024\/04\/vynos-300x141.jpg 300w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2024\/04\/vynos.jpg 609w\" sizes=\"(max-width: 807px) 100vw, 807px\" \/><\/p>\n<h3><span style=\"font-size: 18pt;\">4.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP)<\/span><\/h3>\n<p>Po\u010d\u00e1tkem leto\u0161n\u00edho roku ve\u0161el v\u00a0souvislosti s\u00a0rozvojem kapit\u00e1lov\u00e9ho trhu v\u00a0platnost Dlouhodob\u00fd investi\u010dn\u00ed produkt (DIP), kter\u00fdm vl\u00e1da adresuje problemati\u010dnost \u010desk\u00e9ho d\u016fchodov\u00e9ho syst\u00e9mu. DIP je zaj\u00edmavou alternativou k\u00a0penzijn\u00edmu p\u0159ipoji\u0161t\u011bn\u00ed, dopl\u0148kov\u00e9mu penzijn\u00edmu spo\u0159en\u00ed a \u017eivotn\u00edmu poji\u0161t\u011bn\u00ed. Dlouhodob\u00fd investi\u010dn\u00ed produkt nab\u00edz\u00ed investorovi da\u0148ov\u00e9 zv\u00fdhodn\u011bn\u00ed a\u017e do v\u00fd\u0161e investice 48 tis\u00edc korun. Ro\u010dn\u011b si tak investor m\u016f\u017ee dan\u011b sn\u00ed\u017eit a\u017e o 7 200 korun. Zv\u00fdhodn\u011bn\u00e9 jsou tak\u00e9 p\u0159\u00edsp\u011bvky zam\u011bstnavatel\u016f do DIP\u016f zam\u011bstnanc\u016f. Zam\u011bstnavatel m\u016f\u017ee zam\u011bstnanci na \u00fa\u010det DIPu p\u0159isp\u011bt a\u017e 50 tis\u00edc ro\u010dn\u011b, ze kter\u00fdch je n\u00e1sledn\u011b osvobozen od odvodu soci\u00e1ln\u00edho a zdravotn\u00edho poji\u0161t\u011bn\u00ed. Mo\u017enost investov\u00e1n\u00ed v\u00a0re\u017eimu DIP nov\u011b nab\u00edz\u00ed i obchodn\u00edk s\u00a0cenn\u00fdmi pap\u00edry Colosseum, a to u Investi\u010dn\u00edho programu ivy a retailov\u00e9ho nemovitostn\u00edho fondu NEMO.<\/p>\n<p>Autor: <strong>Patrik Novotn\u00fd<\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> ZPR\u00c1VA O O\u010cEK\u00c1VAN\u00c9M V\u00ddVOJI \u00daMRTNOSTI, PLODNOSTI A MIGRACE V \u010cESK\u00c9 REPUBLICE, \u010cesk\u00fd statistick\u00fd \u00fa\u0159ad, Praha, 2023<\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> SENIO\u0158I V \u010cR V\u00a0DATECH, \u010c. j.: CSU \/ CSU-013623\/2023, \u010cesk\u00fd statistick\u00fd \u00fa\u0159ad, Praha, 2023<\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> Population on 1st January by age, sex and type of projection, Eurostat, Praha, 2023. <a href=\"https:\/\/ec.europa.eu\/eurostat\/databrowser\/view\/proj_23np\/default\/table?lang=en&amp;category=proj.proj_23n\">https:\/\/ec.europa.eu\/eurostat\/databrowser\/view\/proj_23np\/default\/table?lang=en&amp;category=proj.proj_23n<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.officialdata.org\/us\/stocks\/s-p-500\/2003?amount=100&amp;endYear=2023\">https:\/\/www.officialdata.org\/us\/stocks\/s-p-500\/2003?amount=100&amp;endYear=2023<\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-52725 aligncenter\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2024\/04\/scenar-222x300.jpg\" alt=\"\" width=\"512\" height=\"692\" srcset=\"https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2024\/04\/scenar-222x300.jpg 222w, https:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2024\/04\/scenar.jpg 633w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/p>\n<p><strong>O Colosseum, a.s. <\/strong><\/p>\n<p>Spole\u010dnost Colosseum u\u017e v po\u010d\u00e1tku roku zah\u00e1jila nab\u00edzen\u00ed sv\u00fdch produkt\u016f v re\u017eimu DIP, kdy prvn\u00edm produktem, v r\u00e1mci, kter\u00e9ho mohou investo\u0159i vyu\u017e\u00edt da\u0148ov\u00e9ho zv\u00fdhodn\u011bn\u00ed, je nemovitostn\u00ed fond NEMO. N\u00e1sledoval investi\u010dn\u00ed program ivy, inspirovan\u00fd investi\u010dn\u00edmi strategiemi presti\u017en\u00edch univerzit Ivy League, jeho\u017e \u010dleny jsou jm\u00e9na jako je Harvard nebo Yale. Pro investory, kte\u0159\u00ed si cht\u011bj\u00ed sv\u00e9 dlouhodob\u00e9 portfolio \u0159\u00eddit sami bude v nab\u00eddce tak\u00e9 produkt TOP ETF, kter\u00fd nab\u00edz\u00ed jednoduch\u00e9 pravideln\u00e9 investov\u00e1n\u00ed do n\u00edzkon\u00e1kladov\u00fdch burzovn\u011b obchodovan\u00fdch fond\u016f.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Do d\u016fchodu se nepro\u0161et\u0159\u00edme a nem\u016f\u017eeme se ani spolehnout na to, \u017ee se o n\u00e1s&#8230;<\/p>\n","protected":false},"author":2,"featured_media":52726,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[1803,59,7223],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/52723"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=52723"}],"version-history":[{"count":1,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/52723\/revisions"}],"predecessor-version":[{"id":52727,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/52723\/revisions\/52727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/52726"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=52723"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=52723"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=52723"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}