{"id":1131,"date":"2023-03-14T11:30:16","date_gmt":"2023-03-14T11:30:16","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1131"},"modified":"2023-03-14T11:30:16","modified_gmt":"2023-03-14T11:30:16","slug":"bondster-prilakal-uz-temer-17-tisic-investoru","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1131","title":{"rendered":"Bondster p\u0159il\u00e1kal u\u017e t\u00e9m\u011b\u0159 17 tis\u00edc investor\u016f"},"content":{"rendered":"

Pr\u016fm\u011brn\u00fd ro\u010dn\u00ed v\u00fdnos investic na P2B platform\u011b Bondster dos\u00e1hl za rok 2022 hodnoty 12,8 procenta. V\u011bt\u0161ina tradi\u010dn\u00edch investi\u010dn\u00edch n\u00e1stroj\u016f v\u010detn\u011b akci\u00ed nebo pod\u00edlov\u00fdch fond\u016f p\u0159itom pod vlivem inflace, probl\u00e9m\u016f s dodavatelsk\u00fdmi \u0159et\u011bzci i rostouc\u00edch \u00farokov\u00fdch sazeb ztr\u00e1cela. Propad pod\u00edlov\u00fdch fond\u016f \u010dasto p\u0159es\u00e1hl 10 procent, u Bitcoinu a\u00a0dal\u0161\u00edch kryptom\u011bn \u0161lo dokonce o\u00a0v\u00edce ne\u017e 60 procent. Investice do zaji\u0161t\u011bn\u00fdch \u00fav\u011br\u016f proto l\u00e1kaj\u00ed st\u00e1le v\u00edce investor\u016f, na \u010desk\u00e9 fintechov\u00e9 platform\u011b Bondster je vyu\u017e\u00edv\u00e1 ji\u017e 16\u00a0840 lid\u00ed.<\/strong><\/p>\n

<\/p>\n

D\u00edky v\u00fdnosu a\u017e 17 procent u n\u011bkter\u00fdch typ\u016f \u00fav\u011br\u016f p\u0159edstavuj\u00ed takzvan\u00e9 P2B investice jeden z\u00a0m\u00e1la zp\u016fsob\u016f, jak mohou investo\u0159i s p\u0159ijateln\u00fdm rizikem p\u0159ekonat inflaci. Ta dos\u00e1hla za rok 2022 hodnoty 15,1\u00a0procenta a jej\u00ed pokles pod hranici deseti procent neo\u010dek\u00e1vaj\u00ed analytici ani letos.<\/p>\n

Jak porazit inflaci<\/strong><\/p>\n

P\u0159i investov\u00e1n\u00ed do akci\u00ed, dluhopis\u016f nebo nemovitost\u00ed z\u00e1vis\u00ed v\u00fdnos na d\u011bn\u00ed na finan\u010dn\u00edch trz\u00edch. T\u011bmi v\u00a0roce 2022 ot\u0159\u00e1sla rusk\u00e1 invaze na Ukrajinu, energetick\u00e1 krize i inflace. Akciov\u00e9 pod\u00edlov\u00e9 fondy tak podle analytik\u016f ztratily za rok 2022 zhruba 13 procent, dluhopisov\u00e9 pak p\u0159ibli\u017en\u011b dv\u011b procenta.<\/p>\n

Probl\u00e9my se nevyhnuly ani d\u0159\u00edve obl\u00edben\u00fdm investic\u00edm do nemovitost\u00ed. Zdra\u017eov\u00e1n\u00ed nemovitost\u00ed toti\u017e zpomalilo kv\u016fli zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb a hodnota n\u011bkter\u00fdch nemovitost\u00ed za\u010dala dokonce klesat. Nap\u0159\u00edklad u star\u0161\u00edch byt\u016f v Brn\u011b je cena za metr \u010dtvere\u010dn\u00ed o 6 procent ni\u017e\u0161\u00ed ne\u017e p\u0159ed rokem. Vy\u0161\u0161\u00ed \u00faroky sice za\u010daly nab\u00edzet spo\u0159ic\u00ed \u00fa\u010dty, i ty nejv\u00fdnosn\u011bj\u0161\u00ed v\u0161ak st\u00e1le jen t\u011bsn\u011b p\u0159ekra\u010duj\u00ed hranici 6 procent. Nejh\u016f\u0159e pak dopadli investo\u0159i do kryptom\u011bn, kter\u00e9 zas\u00e1hlo hned n\u011bkolik kriz\u00ed, kter\u00e9 vyvrcholily krachem kryptom\u011bnov\u00e9 burzy FTX. Nejzn\u00e1m\u011bj\u0161\u00ed kryptom\u011bna Bitcoin ztratila v\u016f\u010di dolaru za minul\u00fd rok 67 procent hodnoty, u\u00a0Etherea \u0161lo o 70 procent.<\/p>\n

\u201eV sou\u010dasnosti jsou investice do \u00fav\u011br\u016f jedn\u00edm z n\u00e1stroj\u016f, kter\u00fd dok\u00e1\u017ee zajistit ro\u010dn\u00ed zhodnocen\u00ed p\u0159ibli\u017euj\u00edc\u00ed se inflaci. Za rok 2022 byl pr\u016fm\u011brn\u00fd ro\u010dn\u00ed v\u00fdnos investic na na\u0161\u00ed platform\u011b 12,8 procenta. U\u00a0\u00fav\u011br\u016f, do kter\u00fdch na\u0161i u\u017eivatel\u00e9 investuj\u00ed nej\u010dast\u011bji, \u0161lo dokonce o\u00a016 a\u017e 17 procent, d\u00edky \u010demu\u017e jsme jim umo\u017enili inflaci p\u0159ekonat,\u201c<\/em> komentuje Pavel Klema, CEO \u010desk\u00e9 investi\u010dn\u00ed platformy Bondster.<\/p>\n

P2P\/P2B jako modern\u00ed investi\u010dn\u00ed n\u00e1stroj<\/strong><\/p>\n

P\u0159i P2P neboli Peer-to-peer investov\u00e1n\u00ed poskytuje investor p\u016fj\u010dku p\u0159\u00edmo konkr\u00e9tn\u00edmu koncov\u00e9mu dlu\u017en\u00edkovi. Oproti tomu p\u0159i P2B neboli Peer-to-business poskytuje investor financov\u00e1n\u00ed \u00fav\u011brov\u00e9 spole\u010dnosti, kter\u00e1 koncov\u00e9mu dlu\u017en\u00edkovi \u00fav\u011br poskytla. Ta vystavuje ji\u017e schv\u00e1len\u00e9 a poskytnut\u00e9 \u00fav\u011bry na platform\u011b, jako je Bondster, a nab\u00edz\u00ed mo\u017enost do nich investovat.<\/p>\n

Pro \u00fav\u011brov\u00e9 spole\u010dnosti jsou P2P platformy jedn\u00edm ze zdroj\u016f kapit\u00e1lu, kter\u00fd vyu\u017e\u00edvaj\u00ed pro sv\u016fj dal\u0161\u00ed rozvoj. Investo\u0159i mohou na druh\u00e9 stran\u011b pomoc\u00ed platformy jednodu\u0161e investovat do mnoha \u00fav\u011br\u016f a\u00a0z\u00edsk\u00e1vat pod\u00edl z \u00farokov\u00e9ho v\u00fdnosu.<\/p>\n

\u201eInvesto\u0159i si na na\u0161\u00ed platform\u011b mohou vybrat konkr\u00e9tn\u00ed \u00fav\u011br, do kter\u00e9ho budou investovat. Na investi\u010dn\u00ed \u00fa\u010det mu pak p\u0159ipisujeme spl\u00e1tky jistiny a \u00faroku soub\u011b\u017en\u011b s\u00a0t\u00edm, jak dlu\u017en\u00edk svoji p\u016fj\u010dku spl\u00e1c\u00ed. V\u011bt\u0161ina \u00fav\u011br\u016f, do kter\u00fdch je u n\u00e1s mo\u017en\u00e9 investovat, je z\u00e1rove\u0148 zaji\u0161t\u011bn\u00e1 \u2013 dlu\u017en\u00edk za n\u011b ru\u010d\u00ed nap\u0159\u00edklad nemovitost\u00ed nebo jin\u00fdm hmotn\u00fdm majetkem, nap\u0159\u00edklad autem. U\u00a0n\u011bkter\u00fdch \u00fav\u011br\u016f pak poskytovatel\u00e9 nab\u00edzej\u00ed garanci zp\u011btn\u00e9ho odkupu investice, co\u017e investo\u0159i ocen\u00ed v p\u0159\u00edpad\u011b nespl\u00e1cen\u00ed \u00fav\u011bru. D\u00edky tomu tento zp\u016fsob investov\u00e1n\u00ed spojuje vysok\u00fd v\u00fdnos s\u00a0kvalitn\u00edm zaji\u0161t\u011bn\u00edm rizik,\u201c<\/em> vysv\u011btluje Klema fungov\u00e1n\u00ed platformy Bondster.<\/p>\n

Pr\u00e1v\u011b relativn\u011b n\u00edzk\u00e1 m\u00edra rizika a nez\u00e1vislost na finan\u010dn\u00edch trz\u00edch d\u011blaj\u00ed z P2B investic \u010d\u00edm d\u00e1l obl\u00edben\u011bj\u0161\u00ed investi\u010dn\u00ed n\u00e1stroj. Za posledn\u00ed rok proto vzrostl po\u010det u\u017eivatel\u016f \u010desk\u00e9 fintechov\u00e9 platformy Bondster o v\u00edce ne\u017e 3\u00a0000 na 16\u00a0840. Celkov\u00e1 suma pen\u011bz investovan\u00fdch p\u0159es platformu vzrostla na 3,8 miliardy korun. Vyplacen\u00e9 \u00faroky dos\u00e1hly za rok 2022 hodnoty 53,8 milionu korun.<\/p>\n

Pou\u010den\u00ed z\u00a0krize? Diverzifikovat<\/strong><\/p>\n

Proto\u017ee v\u00fdvoj glob\u00e1ln\u00ed ekonomiky nem\u00e1 prakticky \u017e\u00e1dn\u00fd dopad na v\u00fdnosnost investic do zaji\u0161t\u011bn\u00fdch \u00fav\u011br\u016f, diverzifikuj\u00ed investo\u0159i na Bondsteru do t\u00e9to t\u0159\u00eddy aktiv zhruba 20 procent sv\u00e9ho investi\u010dn\u00edho portfolia.<\/p>\n

\u201eDiverzifikace, tedy rozlo\u017een\u00ed prost\u0159edk\u016f do v\u00edce investi\u010dn\u00edch aktiv, byla v\u017edy kl\u00ed\u010dem k\u00a0\u00fasp\u011b\u0161n\u00e9mu investov\u00e1n\u00ed. Turbulentn\u00ed rok 2022 to uk\u00e1zal v\u00a0pln\u00e9 m\u00ed\u0159e. U investor\u016f, kte\u0159\u00ed m\u011bli sv\u00e9 portfolio dob\u0159e diverzifikovan\u00e9, byly ztr\u00e1ty na akciov\u00fdch a kryptom\u011bnov\u00fdch investic\u00edch kompenzov\u00e1ny v\u00fdnosy z m\u00e9n\u011b volatiln\u00edch investi\u010dn\u00edch aktiv, jako jsou pr\u00e1v\u011b P2P \u00fav\u011bry,\u201c<\/em> uzav\u00edr\u00e1 Klema.<\/p>\n

\"\"
V\u00fdnos investic 2022<\/figcaption><\/figure>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Pr\u016fm\u011brn\u00fd ro\u010dn\u00ed v\u00fdnos investic na P2B platform\u011b Bondster dos\u00e1hl za rok 2022 hodnoty 12,8 procenta. V\u011bt\u0161ina tradi\u010dn\u00edch investi\u010dn\u00edch n\u00e1stroj\u016f v\u010detn\u011b akci\u00ed nebo pod\u00edlov\u00fdch fond\u016f p\u0159itom […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investice"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1131","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1131"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1131\/revisions"}],"predecessor-version":[{"id":1133,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1131\/revisions\/1133"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1051"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1131"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1131"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}