{"id":1387,"date":"2023-05-03T05:46:13","date_gmt":"2023-05-03T05:46:13","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1387"},"modified":"2023-05-04T08:00:11","modified_gmt":"2023-05-04T08:00:11","slug":"bondster-cesti-investori-vice-premysleji-o-diverzifikaci","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1387","title":{"rendered":"Bondster: \u010ce\u0161i v\u00edce p\u0159em\u00fd\u0161lej\u00ed o diverzifikaci"},"content":{"rendered":"<p><strong>V\u00edce ne\u017e polovina \u010desk\u00fdch investor\u016f za\u010dala po zku\u0161enosti s prudk\u00fdm propadem na kapit\u00e1lov\u00fdch trz\u00edch v roce 2022 v\u00edce \u0159e\u0161it diverzifikaci sv\u00fdch aktiv. Vypl\u00fdv\u00e1 to z pr\u016fzkumu investi\u010dn\u00ed platformy Bondster mezi \u010desk\u00fdmi investory. Pr\u016fzkumu se z\u00fa\u010dastnilo 1 050 respondent\u016f, kte\u0159\u00ed vyu\u017e\u00edvaj\u00ed investice a sb\u011br dat byl realizov\u00e1n prost\u0159ednictv\u00edm aplikace Instant Research agentury Ipsos.<\/strong><\/p>\n<p><!--more--><\/p>\n<p>N\u011bkterou z nov\u00fdch forem investov\u00e1n\u00ed za\u0159adilo do portfolia 42 % z nich. Vedle celkov\u011b nejobl\u00edben\u011bj\u0161\u00edch pod\u00edlov\u00fdch fond\u016f za\u010dali \u010ce\u0161i nej\u010dast\u011bji vyu\u017e\u00edvat modern\u00ed fintechov\u00e9 n\u00e1stroje, roste nap\u0159\u00edklad obliba P2P\/P2B investic.<\/p>\n<p>D\u016fle\u017eitost diverzifikace investic uk\u00e1zal turbulentn\u00ed rok 2022, kdy trhy siln\u011b ovlivnila inflace ta\u017een\u00e1 rostouc\u00edmi cenami energi\u00ed, probl\u00e9my se z\u00e1sobov\u00e1n\u00edm souvisej\u00edc\u00edmi s v\u00e1lkou na Ukrajin\u011b a v neposledn\u00ed \u0159ad\u011b i zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb ze strany centr\u00e1ln\u00edch bank.<\/p>\n<p><strong>Pou\u010den\u00ed z\u00a0krize<\/strong><\/p>\n<p>Z lo\u0148sk\u00e9ho v\u00fdvoje na kapit\u00e1lov\u00fdch trz\u00edch se \u010ce\u0161i pou\u010dili a za\u010dali v\u00edce \u0159e\u0161it rozlo\u017een\u00ed sv\u00fdch investic Od za\u010d\u00e1tku roku 2022 za\u010dalo v\u00edce diverzifikovat 18 procent investor\u016f a dal\u0161\u00edch 33 procent to v sou\u010dasn\u00e9 dob\u011b pl\u00e1nuje.<\/p>\n<p><em>\u201eDostate\u010dn\u00e1 diverzifikace je jedn\u00edm z kl\u00ed\u010dov\u00fdch prvk\u016f spr\u00e1vn\u011b nastaven\u00e9ho investi\u010dn\u00edho portfolia. \u010ce\u0161i byli bohu\u017eel d\u0159\u00edve zvykl\u00ed spol\u00e9hat se sp\u00ed\u0161e jen na jeden \u010di n\u011bkolik m\u00e1lo zp\u016fsob\u016f ukl\u00e1d\u00e1n\u00ed pen\u011bz. Pro \u0159adu lid\u00ed byla ide\u00e1ln\u00edm zp\u016fsobem zhodnocen\u00ed \u00faspor koup\u011b bytu, n\u011bkte\u0159\u00ed si na investi\u010dn\u00ed nemovitost dokonce brali hypot\u00e9ku. Zastaven\u00ed r\u016fstu cen realit a zvy\u0161ov\u00e1n\u00ed \u00farokov\u00fdch sazeb je postavilo do nep\u0159\u00edjemn\u00e9 pozice. Proto te\u010f v\u00edce p\u0159em\u00fd\u0161lej\u00ed o rozlo\u017een\u00ed prost\u0159edk\u016f do v\u00edce n\u00e1stroj\u016f a hledaj\u00ed nov\u00e9 zp\u016fsoby ochrany sv\u00fdch financ\u00ed p\u0159ed inflac\u00ed i v\u00fdkyvy na trz\u00edch,\u201c<\/em> vysv\u011btluje <strong>Pavel Klema<\/strong>, CEO platformy Bondster.<\/p>\n<p>Bondster je \u010desk\u00e1 fintechov\u00e1 spole\u010dnost, kter\u00e1 zprost\u0159edkov\u00e1v\u00e1 investice do \u00fav\u011br\u016f. Ty jsou jednou z vhodn\u00fdch mo\u017enost\u00ed diverzifikace portfolia, nebo\u0165 nab\u00edzej\u00ed pevn\u00fd v\u00fdnos. Nepodl\u00e9haj\u00ed tedy propad\u016fm na burz\u00e1ch ani jin\u00fdm v\u00fdkyv\u016fm na finan\u010dn\u00edch trz\u00edch.<\/p>\n<p>O d\u016fle\u017eitosti diverzifikace se p\u0159esv\u011bd\u010dili i ti, kdo svoje prost\u0159edky nevlo\u017eili do nemovitost\u00ed. Akciov\u00fd index S&amp;P 500 si p\u0159ipsal za rok 2022 ztr\u00e1tu 20 procent, ztr\u00e1cela i v\u011bt\u0161ina investi\u010dn\u00edch fond\u016f, n\u011bkdy i p\u0159es 10 procent. V\u011bt\u0161ina dluhopis\u016f si p\u0159ipsala lehk\u00fd zisk, kter\u00fd ale ani zdaleka nemohl vyrovnat inflaci, kter\u00e1 v \u010cesku dos\u00e1hla za rok 2022 hodnoty 15,1 procenta.<\/p>\n<p><strong>\u010ce\u0161i hledaj\u00ed nov\u00e9 p\u0159\u00edle\u017eitosti <\/strong><\/p>\n<p>Ve snaze dos\u00e1hnout lep\u0161\u00ed diverzifikace za\u010dalo 42 procent \u010desk\u00fdch investor\u016f od za\u010d\u00e1tku roku 2022 vyu\u017e\u00edvat n\u011bjakou novou formu investic. Pouze \u010dtvrtina naopak n\u011bkter\u00fd investi\u010dn\u00ed n\u00e1stroj zcela opustila.<\/p>\n<p>Nej\u010dast\u011bji \u010ce\u0161i p\u0159idali do portfolia pod\u00edlov\u00e9 fondy, nov\u011b je za\u010dalo vyu\u017e\u00edvat 8 procent investor\u016f. Navzdory propad\u016fm v roce 2022 tedy jejich u\u017eivatel\u016f p\u0159ibylo a nad\u00e1le jsou mezi \u010cechy celkov\u011b nejvyu\u017e\u00edvan\u011bj\u0161\u00edm zp\u016fsobem investov\u00e1n\u00ed. V portfoliu je m\u00e1 t\u00e9m\u011b\u0159 48 procent investor\u016f.<\/p>\n<p><em>\u201eV\u011bt\u0161ina investor\u016f zcela neopou\u0161t\u00ed ani n\u00e1stroje, kter\u00e9 se jim v minul\u00e9m roce nevyplatily. Nam\u00edsto toho sp\u00ed\u0161e hledaj\u00ed nov\u00e9 p\u0159\u00edle\u017eitosti ke zhodnocen\u00ed, do kter\u00fdch p\u0159esunou \u010d\u00e1st prost\u0159edk\u016f. Proto\u017ee tradi\u010dn\u00ed formy investov\u00e1n\u00ed aktu\u00e1ln\u011b nemaj\u00ed p\u0159\u00edli\u0161 pozitivn\u00ed v\u00fdhled, zaj\u00edmaj\u00ed se \u010ce\u0161i \u010d\u00edm d\u00e1l v\u00edce i o modern\u00ed investi\u010dn\u00ed n\u00e1stroje,\u201c<\/em> komentuje <strong>Klema<\/strong>.<\/p>\n<p><strong>Fintech \u010cechy l\u00e1k\u00e1 <\/strong><\/p>\n<p>Od za\u010d\u00e1tku roku 2022 p\u0159ibylo investor\u016f, kte\u0159\u00ed vyu\u017e\u00edvaj\u00ed fintechov\u00e9 investi\u010dn\u00ed platformy, a to o 7 procent. To je v\u00edce ne\u017e nov\u00fdch investor\u016f do zaveden\u011bj\u0161\u00edch n\u00e1stroj\u016f, jako jsou akcie, dluhopisy nebo nemovitosti. P\u0159\u00edmo P2P a P2B investice nov\u011b za\u0159adila do portfolia v\u00edce ne\u017e 3 procenta investor\u016f. Celkov\u011b je vyu\u017e\u00edv\u00e1 nebo zva\u017euje t\u00e9m\u011b\u0159 t\u0159etina dot\u00e1zan\u00fdch.<\/p>\n<p><em>\u201eZ hlediska diverzifikace jsou vhodn\u00e9 zvl\u00e1\u0161t\u011b platformy zam\u011b\u0159en\u00e9 na alternativn\u00ed investice. Ty toti\u017e nejsou tak siln\u011b z\u00e1visl\u00e9 na d\u011bn\u00ed na kapit\u00e1lov\u00fdch trz\u00edch a m\u00e9n\u011b tedy podl\u00e9haj\u00ed vliv\u016fm, kter\u00e9 zp\u016fsobuj\u00ed sou\u010dasn\u00fd propad tradi\u010dn\u00edch investi\u010dn\u00edch n\u00e1stroj\u016f,\u201c<\/em> vysv\u011btluje <strong>Klema<\/strong>.<\/p>\n<p>Nap\u0159\u00edklad na Bondster, dos\u00e1hl pr\u016fm\u011brn\u00fd v\u00fdnos za rok 2022 hodnoty 12,8 procenta. U \u00fav\u011br\u016f, do kter\u00fdch u\u017eivatel\u00e9 investovali nej\u010dast\u011bji, \u0161lo dokonce o 16 a\u017e 17 procent. Investor\u016fm se tak poda\u0159ilo p\u0159ekonat patn\u00e1ctiprocentn\u00ed inflaci. I proto u\u017eivatel\u016f t\u00e9to platformy p\u0159ibylo za rok 2022 o t\u0159i tis\u00edce a v sou\u010dasnosti ji vyu\u017e\u00edv\u00e1 ji\u017e 17 443 investor\u016f. Celkov\u011b zde investovali ji\u017e p\u0159es 4 miliardy K\u010d a jen za posledn\u00edch 12 m\u011bs\u00edc\u016f jim Bondster vyplatil na \u00faroc\u00edch 55,9 milion\u016f korun.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>V\u00edce ne\u017e polovina \u010desk\u00fdch investor\u016f za\u010dala po zku\u0161enosti s prudk\u00fdm propadem na kapit\u00e1lov\u00fdch trz\u00edch v roce 2022 v\u00edce \u0159e\u0161it diverzifikaci sv\u00fdch aktiv. Vypl\u00fdv\u00e1 to z <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=1387\" title=\"Bondster: \u010ce\u0161i v\u00edce p\u0159em\u00fd\u0161lej\u00ed o diverzifikaci\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1388,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyza"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1387","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=1387"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1387\/revisions"}],"predecessor-version":[{"id":1396,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1387\/revisions\/1396"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1388"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1387"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1387"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1387"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}