{"id":3782,"date":"2025-09-11T12:50:35","date_gmt":"2025-09-11T10:50:35","guid":{"rendered":"https:\/\/magazin-finance.cz\/?p=3782"},"modified":"2025-09-11T12:50:46","modified_gmt":"2025-09-11T10:50:46","slug":"jak-investovat-i-s-malym-prijmem-kdyz-mas-jen-500-az-1-000-kc-mesicne","status":"publish","type":"post","link":"https:\/\/magazin-finance.cz\/jak-investovat-i-s-malym-prijmem-kdyz-mas-jen-500-az-1-000-kc-mesicne\/","title":{"rendered":"Jak investovat i s mal\u00fdm p\u0159\u00edjmem \u2013 kdy\u017e m\u00e1\u0161 jen 500 a\u017e 1 000 K\u010d m\u011bs\u00ed\u010dn\u011b"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">M\u00e1\u0161 pocit, \u017ee&nbsp;<strong>nem\u00e1\u0161 dost pen\u011bz na investov\u00e1n\u00ed<\/strong>?<br>Mo\u017en\u00e1 si \u0159\u00edk\u00e1\u0161:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201eTo je jen pro bohat\u00e9\u2026 j\u00e1 nem\u00e1m z \u010deho investovat\u2026\u201c<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u274c&nbsp;<strong>Omyl.<\/strong><br>Investovat m\u016f\u017ee\u0161 u\u017e od p\u00e1r stovek m\u011bs\u00ed\u010dn\u011b \u2013 a \u010d\u00edm d\u0159\u00edv za\u010dne\u0161, t\u00edm v\u00edc ti pen\u00edze vyd\u011blaj\u00ed. I mal\u00e1 \u010d\u00e1stka&nbsp;<strong>pravideln\u011b investovan\u00e1 po dlouhou dobu<\/strong>&nbsp;m\u016f\u017ee ud\u011blat velk\u00fd rozd\u00edl.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\udde0 Pro\u010d investovat, i kdy\u017e vyd\u011bl\u00e1v\u00e1\u0161 m\u00e1lo?<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Inflace nezaj\u00edm\u00e1, kolik vyd\u011bl\u00e1v\u00e1\u0161.<\/strong>\u00a0Bere v\u0161em stejn\u011b.<\/li>\n\n\n\n<li><strong>Investov\u00e1n\u00ed ti pom\u016f\u017ee vytvo\u0159it rezervu<\/strong>\u00a0a zajistit se do budoucna.<\/li>\n\n\n\n<li><strong>Vytv\u00e1\u0159\u00ed\u0161 si n\u00e1vyk.<\/strong>\u00a0Nejde o \u010d\u00e1stku \u2013 ale o discipl\u00ednu.<\/li>\n\n\n\n<li><strong>\u010cas je tv\u016fj nejv\u011bt\u0161\u00ed spojenec.<\/strong>\u00a0\u010c\u00edm d\u0159\u00edv za\u010dne\u0161, t\u00edm men\u0161\u00ed \u010d\u00e1stky sta\u010d\u00ed.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcca Kolik ti m\u016f\u017ee vyd\u011blat \u201ejen 500 K\u010d m\u011bs\u00ed\u010dn\u011b\u201c?<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>M\u011bs\u00ed\u010dn\u00ed investice<\/th><th>Doba investice<\/th><th>O\u010dek\u00e1van\u00fd v\u00fdnos (7 % ro\u010dn\u011b)<\/th><th>Celkem naspo\u0159eno<\/th><\/tr><\/thead><tbody><tr><td>500 K\u010d<\/td><td>10 let<\/td><td>cca 86 000 K\u010d<\/td><td>z toho 26 000 K\u010d v\u00fdnos<\/td><\/tr><tr><td>500 K\u010d<\/td><td>20 let<\/td><td>cca 245 000 K\u010d<\/td><td>z toho 125 000 K\u010d v\u00fdnos<\/td><\/tr><tr><td>500 K\u010d<\/td><td>30 let<\/td><td>cca 510 000 K\u010d<\/td><td>z toho 330 000 K\u010d v\u00fdnos<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 To je s\u00edla slo\u017een\u00e9ho \u00faro\u010den\u00ed \u2013&nbsp;<strong>v\u011bt\u0161inu pen\u011bz ti vyd\u011bl\u00e1 \u010das a trh, ne ty s\u00e1m.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u2705 Jak na to \u2013 investi\u010dn\u00ed pl\u00e1n pro \u201enorm\u00e1ln\u00edho \u010dlov\u011bka\u201c<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 M\u011bj jasno v rozpo\u010dtu<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sleduj si p\u0159\u00edjmy a v\u00fddaje (sta\u010d\u00ed pap\u00edr, Excel nebo appka jako Wallet, Spendee).<\/li>\n\n\n\n<li>Najdi 500\u20131 000 K\u010d m\u011bs\u00ed\u010dn\u011b, kter\u00e9 m\u016f\u017ee\u0161 pravideln\u011b odkl\u00e1dat.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc Tip: Za\u010dni malou \u010d\u00e1stkou. I 300 K\u010d je v\u00edc ne\u017e 0.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 Vytvo\u0159 si finan\u010dn\u00ed rezervu<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u017e za\u010dne\u0161 investovat, m\u011bj na \u00fa\u010dtu&nbsp;<strong>rezervu 3\u20136 m\u011bs\u00edc\u016f v\u00fddaj\u016f<\/strong>&nbsp;(nap\u0159. 30\u201360 000 K\u010d).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 Ulo\u017e ji na&nbsp;<strong>spo\u0159ic\u00edm \u00fa\u010dtu s \u00farokem 4\u20136 % ro\u010dn\u011b<\/strong>&nbsp;(Raiffeisenbank, Air Bank, Trinity Bank apod.).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3\ufe0f\u20e3 Za\u010dni investovat do ETF<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pro\u010d pr\u00e1v\u011b ETF?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00edzk\u00e9 poplatky (TER od 0,1 % ro\u010dn\u011b)<\/li>\n\n\n\n<li>Diverzifikace \u2013 investuje\u0161 do stovek firem najednou<\/li>\n\n\n\n<li>Vhodn\u00e9 pro za\u010d\u00e1te\u010dn\u00edky<\/li>\n\n\n\n<li>M\u016f\u017ee\u0161 za\u010d\u00edt\u00a0<strong>od 100 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 Doporu\u010den\u00e9 ETF:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>iShares Core MSCI World<\/strong>\u00a0(glob\u00e1ln\u00ed trh)<\/li>\n\n\n\n<li><strong>Vanguard FTSE All-World<\/strong>\u00a0(cel\u00fd sv\u011bt)<\/li>\n\n\n\n<li><strong>SP500 ETF<\/strong>\u00a0(americk\u00e9 top firmy)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4\ufe0f\u20e3 Vyber si vhodnou platformu<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Platforma<\/th><th>Pro koho<\/th><th>Min. investice<\/th><th>Poplatky<\/th><th>Pozn\u00e1mka<\/th><\/tr><\/thead><tbody><tr><td><strong>Portu<\/strong><\/td><td>Za\u010d\u00e1te\u010dn\u00edk<\/td><td>od 500 K\u010d\/m\u011bs.<\/td><td>1 % ro\u010dn\u011b<\/td><td>Automatick\u00e1 spr\u00e1va<\/td><\/tr><tr><td><strong>Fondee<\/strong><\/td><td>Za\u010d\u00e1te\u010dn\u00edk<\/td><td>od 100 K\u010d\/m\u011bs.<\/td><td>0,9 % ro\u010dn\u011b<\/td><td>Jednoduch\u00e9 prost\u0159ed\u00ed<\/td><\/tr><tr><td><strong>XTB<\/strong><\/td><td>M\u00edrn\u011b pokro\u010dil\u00fd<\/td><td>od 10 K\u010d<\/td><td>0 % za n\u00e1kup ETF<\/td><td>Mus\u00ed\u0161 nakupovat s\u00e1m<\/td><\/tr><tr><td><strong>Degiro<\/strong><\/td><td>Pokro\u010dil\u00fd<\/td><td>od 1 \u20ac<\/td><td>n\u00edzk\u00e9<\/td><td>V\u011bt\u0161\u00ed v\u00fdb\u011br, m\u00e9n\u011b intuitivn\u00ed<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc Pro za\u010d\u00e1tek doporu\u010duji&nbsp;<strong>Portu nebo Fondee<\/strong>&nbsp;\u2013 zcela automatizovan\u00e9 a p\u0159ehledn\u00e9.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">5\ufe0f\u20e3 Investuj pravideln\u011b<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcc5 Nastav si trval\u00fd p\u0159\u00edkaz:<br>Nap\u0159. 500 K\u010d ka\u017ed\u00fd 15. den v m\u011bs\u00edci \u2192 rovnou na Portu\/Fondee \u2192 investice prob\u011bhne automaticky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1\ufe0f&nbsp;<strong>Nep\u0159em\u00fd\u0161lej nad trhem.<\/strong><br>Investuj bez ohledu na to, jestli je krize nebo r\u016fst. Pr\u016fm\u011bruje\u0161 n\u00e1kupn\u00ed cenu (DCA).<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">6\ufe0f\u20e3 Ne\u010dekej z\u00e1zraky, ale vydr\u017e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Investov\u00e1n\u00ed nen\u00ed o rychl\u00e9m zbohatnut\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2757 1. rok nic moc<br>\u2757 2. rok uvid\u00ed\u0161 drobn\u00e9 zisky<br>\u2705 10. rok u\u017e je vid\u011bt efekt<br>\u2705 20. rok pen\u00edze pracuj\u00ed samy<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nejde o to, kolik investuje\u0161. Ale jak dlouho vydr\u017e\u00ed\u0161.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u270b Co ur\u010dit\u011b&nbsp;<em>ned\u011blat<\/em>, i kdy\u017e m\u00e1\u0161 m\u00e1lo pen\u011bz<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udeab Nenakupuj jednotliv\u00e9 akcie naslepo<br>\ud83d\udeab Nekupuj kryptom\u011bny jako \u201e\u0159e\u0161en\u00ed\u201c bez zku\u0161enost\u00ed<br>\ud83d\udeab Nevstupuj do podivn\u00fdch fond\u016f a pochybn\u00fdch projekt\u016f<br>\ud83d\udeab Nev\u011b\u0159 slib\u016fm \u201e20 % v\u00fdnosu m\u011bs\u00ed\u010dn\u011b\u201c<br>\ud83d\udeab Neinvestuj do I\u017dP (Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83e\uddfe P\u0159\u00edklad re\u00e1ln\u00e9ho investora:<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Jana, 28 let, pracuje v administrativ\u011b.<\/strong><br>M\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem: 27 000 K\u010d \u010dist\u00e9ho<br>N\u00e1klady: 22 000 K\u010d<br>Voln\u00fdch: 5 000 K\u010d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jana si nastavila:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 000 K\u010d\/m\u011bs. do ETF p\u0159es Portu (MSCI World)<\/li>\n\n\n\n<li>200 K\u010d do penzijn\u00edho spo\u0159en\u00ed (st\u00e1tn\u00ed p\u0159\u00edsp\u011bvek)<\/li>\n\n\n\n<li>200 K\u010d m\u011bs\u00ed\u010dn\u011b do \u201evzd\u011bl\u00e1vac\u00edho fondu\u201c \u2013 kurz Excelu, jazyk<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Za 10 let m\u016f\u017ee m\u00edt p\u0159es&nbsp;<strong>200 000 K\u010d v investic\u00edch<\/strong>, ani\u017e by si to v\u00fdrazn\u011b \u201eod\u0159\u00edzla\u201c.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udccc Shrnut\u00ed: Jak investovat s mal\u00fdm p\u0159\u00edjmem<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705&nbsp;<strong>Za\u010dni te\u010f.<\/strong>&nbsp;Ne\u010dekej na \u201elep\u0161\u00ed \u010dasy\u201c<br>\u2705&nbsp;<strong>500 K\u010d m\u011bs\u00ed\u010dn\u011b sta\u010d\u00ed<\/strong><br>\u2705&nbsp;<strong>Pou\u017e\u00edvej ETF p\u0159es Portu, Fondee nebo XTB<\/strong><br>\u2705&nbsp;<strong>M\u011bj rezervu bokem<\/strong><br>\u2705&nbsp;<strong>Investuj pravideln\u011b a dlouhodob\u011b<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u00e1\u0161 pocit, \u017ee&nbsp;nem\u00e1\u0161 dost pen\u011bz na investov\u00e1n\u00ed?Mo\u017en\u00e1 si \u0159\u00edk\u00e1\u0161: \u201eTo je jen pro bohat\u00e9\u2026 j\u00e1 nem\u00e1m z \u010deho investovat\u2026\u201c \u274c&nbsp;Omyl.Investovat m\u016f\u017ee\u0161 u\u017e od p\u00e1r stovek m\u011bs\u00ed\u010dn\u011b \u2013 a \u010d\u00edm d\u0159\u00edv za\u010dne\u0161, t\u00edm v\u00edc ti pen\u00edze vyd\u011blaj\u00ed. I mal\u00e1 \u010d\u00e1stka&nbsp;pravideln\u011b investovan\u00e1 po dlouhou dobu&nbsp;m\u016f\u017ee ud\u011blat velk\u00fd rozd\u00edl. \ud83e\udde0 Pro\u010d investovat, i kdy\u017e vyd\u011bl\u00e1v\u00e1\u0161 m\u00e1lo? \ud83d\udcca Kolik [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"tmauthors":[],"class_list":["post-3782","post","type-post","status-publish","format-standard","has-post-thumbnail","category-magazin"],"_links":{"self":[{"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/posts\/3782","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=3782"}],"version-history":[{"count":0,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/posts\/3782\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/media\/3783"}],"wp:attachment":[{"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/media?parent=3782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/categories?post=3782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/tags?post=3782"},{"taxonomy":"tmauthors","embeddable":true,"href":"https:\/\/magazin-finance.cz\/wp-json\/wp\/v2\/tmauthors?post=3782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}