{"id":3737,"date":"2025-09-11T10:13:40","date_gmt":"2025-09-11T08:13:40","guid":{"rendered":"https:\/\/magazin-finance.cz\/?p=3737"},"modified":"2025-09-11T10:13:43","modified_gmt":"2025-09-11T08:13:43","slug":"etf-jednoduchy-zpusob-jak-zacit-investovat","status":"publish","type":"post","link":"https:\/\/magazin-finance.cz\/etf-jednoduchy-zpusob-jak-zacit-investovat\/","title":{"rendered":"ETF: Jednoduch\u00fd zp\u016fsob, jak za\u010d\u00edt investovat"},"content":{"rendered":"\n

Investov\u00e1n\u00ed u\u017e d\u00e1vno nen\u00ed jen pro milion\u00e1\u0159e nebo finan\u010dn\u00ed experty. D\u00edky modern\u00edm n\u00e1stroj\u016fm jako jsou ETF (Exchange Traded Funds) si m\u016f\u017ee\u0161 sestavit vlastn\u00ed portfolio<\/strong> i s malou \u010d\u00e1stkou. A co je nejlep\u0161\u00ed \u2013 zvl\u00e1dne\u0161 to klidn\u011b z mobilu b\u011bhem p\u00e1r minut.<\/p>\n\n\n\n

Co je ETF?<\/h3>\n\n\n\n

ETF je investi\u010dn\u00ed fond, kter\u00fd kop\u00edruje v\u00fdkonnost ur\u010dit\u00e9ho indexu<\/strong>, nap\u0159\u00edklad americk\u00e9ho S&P 500 nebo evropsk\u00e9ho STOXX Europe 600. Kdy\u017e si koup\u00ed\u0161 ETF, ve skute\u010dnosti vlastn\u00ed\u0161 pod\u00edl na stovk\u00e1ch r\u016fzn\u00fdch firem najednou<\/strong> \u2013 a t\u00edm v\u00fdrazn\u011b sni\u017euje\u0161 riziko, \u017ee \u201evsad\u00ed\u0161 na \u0161patn\u00e9ho kon\u011b\u201c.<\/p>\n\n\n\n

Pro\u010d jsou ETF popul\u00e1rn\u00ed?<\/h3>\n\n\n\n
    \n
  1. Diversifikace<\/strong>
    Investic\u00ed do jedin\u00e9ho ETF z\u00edsk\u00e1\u0161 expozici v\u016f\u010di des\u00edtk\u00e1m a\u017e stovk\u00e1m firem. To sni\u017euje riziko, \u017ee propad jedn\u00e9 akcie zni\u010d\u00ed cel\u00e9 tv\u00e9 portfolio.<\/li>\n\n\n\n
  2. N\u00edzk\u00e9 poplatky<\/strong>
    ETF jsou v\u011bt\u0161inou pasivn\u011b \u0159\u00edzen\u00e9, tak\u017ee maj\u00ed\u00a0velmi n\u00edzk\u00e9 spr\u00e1vn\u00ed n\u00e1klady<\/strong>\u00a0\u2013 \u010dasto pod 0,2 % ro\u010dn\u011b.<\/li>\n\n\n\n
  3. Likvidita a p\u0159\u00edstupnost<\/strong>
    Obchoduj\u00ed se na burze jako b\u011b\u017en\u00e9 akcie, tak\u017ee je m\u016f\u017ee\u0161 kdykoliv koupit nebo prodat.<\/li>\n\n\n\n
  4. N\u00edzk\u00e1 vstupn\u00ed bari\u00e9ra<\/strong>
    Investovat m\u016f\u017ee\u0161 za\u010d\u00edt u\u017e s p\u00e1r stovkami nebo tis\u00edci korun.<\/li>\n<\/ol>\n\n\n\n

    Jak za\u010d\u00edt?<\/h3>\n\n\n\n
      \n
    1. Vyber si brokera<\/strong>
      Na \u010desk\u00e9m trhu jsou popul\u00e1rn\u00ed nap\u0159\u00edklad Portu, Fondee, Degiro, XTB, nebo \u010desk\u00e9 banky (s vy\u0161\u0161\u00edmi poplatky).<\/li>\n\n\n\n
    2. Rozhodni se, kam investovat<\/strong>
      Pro za\u010d\u00e1te\u010dn\u00edky je ide\u00e1ln\u00ed nap\u0159. ETF na S&P 500 (americk\u00fdch 500 nejv\u011bt\u0161\u00edch firem) nebo MSCI World (glob\u00e1ln\u00ed trh).<\/li>\n\n\n\n
    3. Nastav si pravideln\u00e9 investov\u00e1n\u00ed<\/strong>
      I 500 K\u010d m\u011bs\u00ed\u010dn\u011b m\u00e1 smysl. D\u00edky tzv.\u00a0cost-averaging efektu<\/strong>\u00a0nakupuje\u0161 ETF za r\u016fzn\u00e9 ceny a sni\u017euje\u0161 dopad v\u00fdkyv\u016f trhu.<\/li>\n\n\n\n
    4. Dr\u017e a nepanika\u0159<\/strong>
      Dlouhodob\u00e9 investice (5+ let) jsou m\u00e9n\u011b citliv\u00e9 na kr\u00e1tkodob\u00e9 propady. Pokud neprod\u00e1v\u00e1\u0161, neztr\u00e1c\u00ed\u0161.<\/li>\n<\/ol>\n\n\n\n

      Na co si d\u00e1t pozor?<\/h3>\n\n\n\n
        \n
      • M\u011bnov\u00e9 riziko<\/strong>\u00a0\u2013 n\u011bkter\u00e9 ETF jsou vedeny v dolarech nebo eurech. Kurz koruny v\u016f\u010di t\u011bmto m\u011bn\u00e1m m\u016f\u017ee ovlivnit v\u00fdsledky.<\/li>\n\n\n\n
      • Reinvestice dividend<\/strong>\u00a0\u2013 Zva\u017e, zda chce\u0161 ETF, kter\u00e9 vypl\u00e1c\u00ed dividendy, nebo je automaticky reinvestuje.<\/li>\n\n\n\n
      • Dan\u011b<\/strong>\u00a0\u2013 Po t\u0159ech letech dr\u017een\u00ed m\u016f\u017ee\u0161 m\u00edt zisky z prodeje osvobozen\u00e9 od dan\u011b, ale je t\u0159eba si v\u00e9st p\u0159ehled.<\/li>\n<\/ul>\n\n\n\n
        \n\n\n\n

        Z\u00e1v\u011br<\/h3>\n\n\n\n

        ETF jsou skv\u011bl\u00fdm vstupn\u00edm bodem do sv\u011bta investic \u2013 jednoduch\u00e9, levn\u00e9 a p\u0159ehledn\u00e9. I mal\u00fd investor si dnes m\u016f\u017ee \u201ekoupit kus sv\u011bta\u201c a budovat bohatstv\u00ed s rozumem a trp\u011blivost\u00ed<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Investov\u00e1n\u00ed u\u017e d\u00e1vno nen\u00ed jen pro milion\u00e1\u0159e nebo finan\u010dn\u00ed experty. D\u00edky modern\u00edm n\u00e1stroj\u016fm jako jsou ETF (Exchange Traded Funds) si m\u016f\u017ee\u0161 sestavit vlastn\u00ed portfolio i s malou \u010d\u00e1stkou. A co je nejlep\u0161\u00ed \u2013 zvl\u00e1dne\u0161 to klidn\u011b z mobilu b\u011bhem p\u00e1r minut. Co je ETF? ETF je investi\u010dn\u00ed fond, kter\u00fd kop\u00edruje v\u00fdkonnost ur\u010dit\u00e9ho indexu, nap\u0159\u00edklad americk\u00e9ho S&P 500 nebo […]<\/p>\n","protected":false},"author":2,"featured_media":3738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"tmauthors":[],"class_list":["post-3737","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/posts\/3737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/comments?post=3737"}],"version-history":[{"count":0,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/posts\/3737\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/media\/3738"}],"wp:attachment":[{"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/media?parent=3737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/categories?post=3737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/tags?post=3737"},{"taxonomy":"tmauthors","embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/tmauthors?post=3737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}