{"id":1621,"date":"2023-06-20T06:56:30","date_gmt":"2023-06-20T06:56:30","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1621"},"modified":"2023-06-20T06:56:30","modified_gmt":"2023-06-20T06:56:30","slug":"bondster-polovina-ceskych-investoru-minuly-rok-prodelala","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1621","title":{"rendered":"Bondster: Polovina \u010desk\u00fdch investor\u016f minul\u00fd rok prod\u011blala"},"content":{"rendered":"

Na sv\u00fdch investic\u00edch loni prod\u011blalo 55 procent \u010desk\u00fdch investor\u016f. Nej\u010dast\u011bji ztratili mezi 10 a 20 procenty, a to p\u0159edev\u0161\u00edm na investic\u00edch do volatiln\u00edch aktiv, jako jsou pod\u00edlov\u00e9 fondy, akcie a kryptom\u011bny. <\/strong><\/p>\n

Pr\u00e1v\u011b tyto n\u00e1stroje tak\u00e9 nejv\u00edce lid\u00ed p\u0159estalo vyu\u017e\u00edvat, investice do fond\u016f i do kryptom\u011bn opustilo shodn\u011b 6 procent investor\u016f. Vypl\u00fdv\u00e1 to z pr\u016fzkumu \u010desk\u00e9 investi\u010dn\u00ed platformy Bondster. Celkov\u011b ztratilo d\u016fv\u011bru v n\u011bkter\u00e9 investi\u010dn\u00ed n\u00e1stroje 8 z 10 investor\u016f. Roste naopak z\u00e1jem o nov\u00e9 zp\u016fsoby investov\u00e1n\u00ed, nap\u0159\u00edklad prost\u0159ednictv\u00edm fintechov\u00fdch platforem.<\/p>\n

Zisk si za minul\u00fd rok p\u0159ipsala jenom p\u011btina \u010desk\u00fdch investor\u016f. Ukazuje to pr\u016fzkum, kter\u00fd provedla fintechov\u00e1 platforma Bondster mezi 1\u00a0050 \u010desk\u00fdmi investory. Sb\u011br dat byl realizov\u00e1n prost\u0159ednictv\u00edm aplikace Instant Research agentury Ipsos. V\u00fdnos p\u0159es 10 procent m\u011blo pouze necel\u00fdch 6 procent investor\u016f.<\/p>\n

\u201e\u0158ada obl\u00edben\u00fdch investi\u010dn\u00edch n\u00e1stroj\u016f p\u0159in\u00e1\u0161\u00ed ni\u017e\u0161\u00ed v\u00fdnosy ne\u017e obvykle, loni mnoho z\u00a0nich dokonce p\u0159\u00edmo prod\u011bl\u00e1valo. Formy investov\u00e1n\u00ed m\u00e9n\u011b nav\u00e1zan\u00e9 na finan\u010dn\u00ed trhy byly naopak zasa\u017eeny m\u00e9n\u011b. P\u0159\u00edkladem jsou P2P\/P2B investice. Ty na platform\u011b Bondster p\u0159inesly za rok 2022 v\u00fdnos 12,8 procenta,<\/em>\u201c komentuje Pavel Klema, CEO platformy Bondster, kter\u00e1 zprost\u0159edkov\u00e1v\u00e1 investice do \u00fav\u011br\u016f, tedy tzv. P2P a P2B investice.<\/p>\n

Ztr\u00e1ta d\u016fv\u011bry v\u00a0pod\u00edlov\u00e9 fondy<\/strong><\/p>\n

Nejv\u00edce investor\u016f prod\u011blalo na pod\u00edlov\u00fdch fondech (31 %), akci\u00edch (21 %) a investov\u00e1n\u00ed do kryptom\u011bn (19 %). \u010ce\u0161i v\u00a0n\u011b proto ztr\u00e1cej\u00ed d\u016fv\u011bru. Nejv\u011bt\u0161\u00ed pokles zaznamenaly kryptom\u011bny, kter\u00e9 krom\u011b ztr\u00e1ty hodnoty po\u0161kodily i skand\u00e1ly a krachy kryptom\u011bnov\u00fdch burz. M\u00e9n\u011b jim v\u011b\u0159\u00ed 4 z\u00a010 \u010desk\u00fdch investor\u016f, d\u016fv\u011bru v\u00a0pod\u00edlov\u00e9 fondy a akcie ztratila shodn\u011b p\u011btina investor\u016f. U dluhopis\u016f je pokles kolem 16 procent a u investic do\u00a0ciz\u00edch m\u011bn o 15 procent.<\/p>\n

\u201eZtr\u00e1ta hodnoty s\u00a0sebou logicky nese ztr\u00e1tu d\u016fv\u011bry. \u010ce\u0161t\u00ed investo\u0159i jsou tradi\u010dn\u011b velmi konzervativn\u00ed a\u00a0znepokojuj\u00ed je i drobn\u00e9 v\u00fdkyvy hodnoty dr\u017een\u00fdch aktiv. Pokud tedy za lo\u0148sk\u00fd rok nap\u0159\u00edklad na akciov\u00fdch fondech prod\u011blali p\u0159es deset procent, velmi \u010dasto je opustili. Jestli\u017ee ale cht\u011bj\u00ed svoje pen\u00edze ochr\u00e1nit p\u0159ed inflac\u00ed, nemohou je nechat le\u017eet ladem a hledaj\u00ed nov\u00e9 investi\u010dn\u00ed p\u0159\u00edle\u017eitosti. Velmi \u010dasto proto vol\u00ed investice prost\u0159ednictv\u00edm fintechov\u00fdch platforem,\u201c<\/em> vysv\u011btluje Klema.<\/p>\n

Vhodn\u00e1 doba pro investi\u010dn\u00ed P2P\/P2B platformy<\/strong><\/p>\n

Fintechov\u00e9 platformy za\u010dalo nov\u011b vyu\u017e\u00edvat 7 procent investor\u016f, zejm\u00e9na mlad\u00fdch lid\u00ed ve v\u011bku 18 a\u017e 26 let. V\u00fdhodn\u00e9 mohou b\u00fdt v\u00a0sou\u010dasn\u00e9 ekonomick\u00e9 situaci zvl\u00e1\u0161t\u011b ty, prost\u0159ednictv\u00edm kter\u00fdch je mo\u017en\u00e9 investovat do n\u00e1stroj\u016f nez\u00e1visl\u00fdch na finan\u010dn\u00edch trz\u00edch. P\u0159\u00edkladem jsou P2P (peer-to-peer) a P2B (peer-to-business), tedy investice do \u00fav\u011br\u016f. Na ty nemaj\u00ed vliv propady na akciov\u00fdch trz\u00edch a d\u00edky zaji\u0161t\u011bn\u00ed \u00fav\u011br\u016f nap\u0159\u00edklad nemovitost\u00ed nebo automobilem spojuj\u00ed vysok\u00fd v\u00fdnos s\u00a0rozumnou m\u00edrou rizika.<\/p>\n

\u201eV\u00a0sou\u010dasn\u00e9 dob\u011b jsou P2P a P2B investice <\/em>ojedin\u011bl\u00fdm n\u00e1strojem, kter\u00fd dok\u00e1\u017ee nab\u00eddnout a\u017e dvoucifern\u00e9 ro\u010dn\u00ed z\u00faro\u010den\u00ed a\u00a0z\u00e1rove\u0148 kvalitn\u00ed zaji\u0161t\u011bn\u00ed rizik. Investor\u016fm p\u0159in\u00e1\u0161\u00ed ka\u017ed\u00fd m\u011bs\u00edc pevn\u00fd v\u00fdnos ze spl\u00e1tek \u00fav\u011bru, kter\u00fd nez\u00e1vis\u00ed na finan\u010dn\u00edch trz\u00edch. Jsou tedy vhodnou volbou pro investory, kte\u0159\u00ed si nejsou jist\u00ed v\u00fdvojem na sv\u011btov\u00fdch burz\u00e1ch nebo cht\u011bj\u00ed diverzifikovat svoje portfolio,<\/em>\u201c uzav\u00edr\u00e1 Klema.<\/p>\n

Pr\u016fzkum \u010desk\u00e9 spole\u010dnosti Bondster prob\u00edhal na p\u0159elomu b\u0159ezna a dubna na vzorku 1 050 respondent\u016f, kte\u0159\u00ed v sou\u010dasnosti vyu\u017e\u00edvaj\u00ed investice. Sb\u011br dat byl realizov\u00e1n prost\u0159ednictv\u00edm aplikace Instant Research agentury Ipsos.<\/p>\n","protected":false},"excerpt":{"rendered":"

Na sv\u00fdch investic\u00edch loni prod\u011blalo 55 procent \u010desk\u00fdch investor\u016f. Nej\u010dast\u011bji ztratili mezi 10 a 20 procenty, a to p\u0159edev\u0161\u00edm na investic\u00edch do volatiln\u00edch aktiv, jako […]<\/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":[12],"tags":[],"class_list":["post-1621","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\/1621","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=1621"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1621\/revisions"}],"predecessor-version":[{"id":1622,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1621\/revisions\/1622"}],"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=1621"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1621"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1621"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}