{"id":2058,"date":"2023-10-04T06:56:55","date_gmt":"2023-10-04T06:56:55","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2058"},"modified":"2023-10-04T07:02:24","modified_gmt":"2023-10-04T07:02:24","slug":"xtb-jak-cesi-a-slovaci-investuji-z-mobilu-a-ve-stale-nizsim-veku","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2058","title":{"rendered":"XTB: Jak \u010ce\u0161i a Slov\u00e1ci investuj\u00ed? Z mobilu a ve st\u00e1le ni\u017e\u0161\u00edm v\u011bku"},"content":{"rendered":"<p><strong>P\u0159in\u00e1\u0161\u00edme anal\u00fdzu XTB, kter\u00e1 mimo jin\u00e9 sleduje klesaj\u00edc\u00ed v\u011bk \u010desk\u00fdch a slovensk\u00fdch investor\u016f od roku 2018 a jejich investov\u00e1n\u00ed od za\u010d\u00e1tku roku 2022 doposud. Anal\u00fdza vych\u00e1z\u00ed ze vzorku v\u0161ech klient\u016f XTB v\u00a0\u010cesku a na Slovensku. <\/strong><!--more--><\/p>\n<ul>\n<li><strong>Od roku 2018 klesl pr\u016fm\u011brn\u00fd v\u011bk \u010desk\u00fdch investor\u016f na platform\u011b XTB z 36 na 31 let. Na Slovensku eviduje jeden z nejv\u011bt\u0161\u00edch burzovn\u011b obchodovan\u00fdch broker\u016f pokles v\u011bku ze 34 na sou\u010dasn\u00fdch 32 let. <\/strong><\/li>\n<li><strong>Investi\u010dn\u00ed aplikace jsou dnes jedn\u00edm z\u00a0rozhoduj\u00edc\u00edch aspekt\u016f p\u0159i v\u00fdb\u011bru brokera, proto p\u0159\u00edmo z\u00a0chytr\u00e9ho telefonu investuje 61 procent \u010cech\u016f a 71 procent Slov\u00e1k\u016f.<\/strong><\/li>\n<li><strong>Kv\u016fli vysok\u00e9 inflaci je st\u00e1le rostouc\u00edm trendem pasivn\u00ed investov\u00e1n\u00ed do ETF fond\u016f. V XTB je v\u00a0obou zem\u00edch nejobl\u00edben\u011bj\u0161\u00ed investic\u00ed ETF na americk\u00fd index S&amp;P 500.<\/strong><\/li>\n<li><strong>Nejv\u00edce klient\u016f v \u010cesku nap\u0159\u00ed\u010d v\u011bkov\u00fdmi skupinami preferuje akcie polost\u00e1tn\u00edho \u010cEZu. Na Slovensku je to pak obchodov\u00e1n\u00ed m\u011bnov\u00e9ho p\u00e1ru euro dolar n\u00e1sledovan\u00e9 zlatem. <\/strong><\/li>\n<li><strong>Dle po\u010dtu transakc\u00ed v\u0161ak v\u00a0\u010cesku i u v\u00fdchodn\u00edch soused\u016f dominuj\u00ed akcie n\u00e1sledovan\u00e9 m\u011bnov\u00fdmi trhy a komoditami. <\/strong><\/li>\n<li><strong>Pod\u00edl \u017een mezi investory je v\u00a0\u010cesku 9 % s\u00a0pr\u016fm\u011brn\u00fdm v\u011bkem 40 let, na Slovensku 7 % s\u00a0pr\u016fm\u011brn\u00fdm v\u011bkem 35 let. Spolu s\u00a0Franci\u00ed a N\u011bmeckem jde o trhy s\u00a0nejni\u017e\u0161\u00edm pod\u00edlem investuj\u00edc\u00edch \u017een. <\/strong><\/li>\n<\/ul>\n<p>Investov\u00e1n\u00ed i aktivn\u00ed trading byly historicky p\u0159ev\u00e1\u017en\u011b dom\u00e9nou star\u0161\u00ed populace. D\u016fvodem byla pot\u0159eba v\u011bt\u0161\u00edho kapit\u00e1lu, bez kter\u00e9ho ne\u0161lo u mnoha brokersk\u00fdch dom\u016f ani otev\u0159\u00edt \u00fa\u010det, ale tak\u00e9 zd\u00e1nliv\u00e1 slo\u017eitost relativn\u011b \u201enudn\u00e9ho\u201c sv\u011bta investov\u00e1n\u00ed. To se oto\u010dilo po pandemii v roce 2020. Ji\u017e p\u0159ed pandemi\u00ed se v\u0161ak za\u010dali objevovat prvn\u00ed influence\u0159i ve sv\u011bt\u011b investic, p\u0159ev\u00e1\u017en\u011b ze sv\u011bta kryptom\u011bn. Na trhy se v\u011bt\u0161\u00ed \u010d\u00e1st mlad\u0161\u00edch investor\u016f dostala pr\u00e1v\u011b odtud. Bitcoin d\u00edky sv\u00e9mu bezprecedentn\u00edmu r\u016fstu uk\u00e1zal cestu rychl\u00fdch a jednoduch\u00fdch pen\u011bz.<\/p>\n<p>\u201e<em>Po pandemii se \u0159ada brokersk\u00fdch firem vydala cestou gamifikace, tedy p\u0159eklopen\u00ed tradi\u010dn\u00edho sv\u011bta investic do jednoduch\u00fdch a intuitivn\u00edch aplikac\u00ed v chytr\u00e9m telefonu. Klesly tak\u00e9 poplatky za obchodov\u00e1n\u00ed, minim\u00e1ln\u00ed po\u017eadovan\u00fd kapit\u00e1l a p\u0159i\u0161la mo\u017enost koupit pouze zlomky cel\u00fdch akci\u00ed (tzv. <\/em><a href=\"https:\/\/www.xtb.com\/cz\/vzdelavani\/frakcni-akcie\"><em>Frak\u010dn\u00ed akcie<\/em><\/a><em>). To v\u0161e p\u0159it\u00e1hlo mlad\u0161\u00ed investory a d\u00e1 se o\u010dek\u00e1vat, \u017ee pr\u016fm\u011brn\u00fd v\u011bk investor\u016f bude d\u00e1le klesat,\u201c<\/em> \u0159\u00edk\u00e1 analytik XTB \u0160t\u011bp\u00e1n H\u00e1jek.<\/p>\n<p>V\u00a0\u010cesku je nyn\u00ed pr\u016fm\u011brn\u00fd v\u011bk investora 31 let, zat\u00edmco v\u00a0roce 2018 to bylo 36 let. Pr\u016fm\u011brn\u00fd v\u011bk slovensk\u00fdch investor\u016f u XTB je nyn\u00ed 32 let.<\/p>\n<p><strong>Investi\u010dn\u00ed aplikace rozhoduj\u00ed p\u0159i v\u00fdb\u011bru brokera<\/strong><\/p>\n<p>S p\u0159\u00edlivem mlad\u0161\u00edch investor\u016f roste popt\u00e1vka po zjednodu\u0161en\u00ed investic. Pro brokersk\u00e9 firmy je to ide\u00e1ln\u00ed p\u0159\u00edle\u017eitost ud\u011blat investi\u010dn\u00ed aplikace z\u00e1bavn\u011bj\u0161\u00ed, aby udr\u017eely pozornost investor\u016f a nab\u00eddly mo\u017enost analyzovat trhy pomoc\u00ed n\u00e1stroj\u016f technick\u00e9 anal\u00fdzy a stejn\u011b tak z\u00edskat nejnov\u011bj\u0161\u00ed informace ze sv\u011bta investic. Investi\u010dn\u00ed aplikace jsou proto dnes jeden z rozhoduj\u00edc\u00edch aspekt\u016f p\u0159i v\u00fdb\u011bru brokera. Nen\u00ed tedy p\u0159ekvapen\u00edm, \u017ee 61 procent \u010desk\u00fdch investor\u016f u XTB pou\u017e\u00edv\u00e1 mobiln\u00ed aplikaci, p\u0159i\u010dem\u017e na Slovensku je to a\u017e 71 procent.<\/p>\n<p><strong>Popularita pasivn\u00edho investov\u00e1n\u00ed roste<\/strong><\/p>\n<p>V roce 2020 p\u0159i\u0161ly centr\u00e1ln\u00ed banky a vl\u00e1dy s \u0159adou bezprecedentn\u00edch stimul\u016f za c\u00edlem o\u017eiven\u00ed glob\u00e1ln\u00ed ekonomiky. Stalo se v\u0161ak, \u017ee tyto pen\u00edze se dostaly hlavn\u011b na akciov\u00e9 trhy, kter\u00e9 generovaly n\u00e1sleduj\u00edc\u00ed dva roky velmi solidn\u00ed zisky. To z\u00edskalo pozornost \u0161irok\u00e9 ve\u0159ejnosti. Nejjednodu\u0161\u0161\u00ed formou investov\u00e1n\u00ed je investov\u00e1n\u00ed pasivn\u00ed do takzvan\u00fdch ETF fond\u016f, kter\u00e9 kop\u00edruj\u00ed cenu ur\u010dit\u00e9ho aktiva. Konkr\u00e9tn\u011b hovo\u0159\u00edme o investov\u00e1n\u00ed do ETF fond\u016f kop\u00edruj\u00edc\u00ed akciov\u00e9 indexy, kter\u00e9 jsou diverzifikovan\u00e9 do r\u016fzn\u00fdch sektor\u016f, \u010d\u00edm\u017e se sni\u017euje riziko ztr\u00e1ty kapit\u00e1lu.<\/p>\n<p><em>\u201eV XTB je nejobl\u00edben\u011bj\u0161\u00ed investic\u00ed ETF na americk\u00fd index S&amp;P 500. S\u00e1m Warren Buffett neust\u00e1le opakuje, \u017ee tou nejlep\u0161\u00ed investic\u00ed pro b\u011b\u017en\u00e9ho \u010dlov\u011bka, je investice do indexu S&amp;P 500. Druh\u00fdm nejobl\u00edben\u011bj\u0161\u00edm ETF je FTSE Vanguard All-World, tedy ko\u0161 akci\u00ed z cel\u00e9ho sv\u011bta. Jde o nejv\u00edce diverzifikovan\u00fd index na sv\u011bt\u011b. Pasivn\u00ed investov\u00e1n\u00ed z\u00edsk\u00e1v\u00e1 na d\u016fle\u017eitosti i v posledn\u00edch m\u011bs\u00edc\u00edch, kdy se kv\u016fli rostouc\u00ed inflaci ukazuje pot\u0159eba investovat naspo\u0159en\u00e9 pen\u00edze. Tento trend bude v dal\u0161\u00edch letech s\u00edlit, jeliko\u017e st\u00e1t ukazuje, \u017ee nem\u00e1 \u017e\u00e1dn\u00fd pl\u00e1n, jak p\u0159ipravit ob\u010dany na d\u016fstojn\u00fd d\u016fchod a pasivn\u00ed investov\u00e1n\u00ed se st\u00e1v\u00e1 cestou, jak se o sv\u00e9 uspo\u0159en\u00e9 pen\u00edze postarat,\u201c<\/em> komentuje \u0160t\u011bp\u00e1n H\u00e1jek.<\/p>\n<p>XTB sn\u00ed\u017eilo minim\u00e1ln\u00ed hodnotu transakce u ETF na 1 euro. <em>\u201eInvestice chceme lidem je\u0161t\u011b v\u00edce zp\u0159\u00edstupnit. Minim\u00e1ln\u00ed hodnotu transakce u ETF sni\u017eujeme proto, abychom poh\u0159bili m\u00fdtus, \u017ee k investov\u00e1n\u00ed je pot\u0159eba nashrom\u00e1\u017edit ur\u010dit\u00fd kapit\u00e1l. U XTB se nyn\u00ed d\u00e1 za\u010d\u00edt s\u00a0pouh\u00fdm eurem. Vstupn\u00ed bari\u00e9ra je pry\u010d,\u201c<\/em> uvedl Vladim\u00edr Holovka, obchodn\u00ed \u0159editel XTB.<\/p>\n<p>Broker tak\u00e9 roz\u0161\u00ed\u0159il nab\u00eddku Frak\u010dn\u00edch akci\u00ed, dal\u0161\u00ed formu pasivn\u00edho investov\u00e1n\u00ed, kterou na \u010desk\u00fd trh uvedl v dubnu. Nyn\u00ed si mohou investo\u0159i v \u010cesku p\u0159i sestavov\u00e1n\u00ed sv\u00e9ho portfolia vyb\u00edrat ze 1 812 akci\u00ed a 253 ETF. <em>\u201eVe Frak\u010dn\u00edch akci\u00edch vid\u00edme rostouc\u00ed potenci\u00e1l, proto\u017ee na\u0161i klienti s t\u00edmto n\u00e1strojem za\u010d\u00ednaj\u00ed svou investi\u010dn\u00ed cestu a postupn\u011b buduj\u00ed sv\u00e9 portfolio. My\u0161lenka n\u00e1kupu akci\u00ed a ETF ve zlomc\u00edch je atraktivn\u00ed zejm\u00e9na pro mlad\u0161\u00ed lidi, kte\u0159\u00ed hledaj\u00ed zp\u016fsob, jak si vybudovat diverzifikovan\u00e9 portfolio, ani\u017e by investovali p\u0159\u00edli\u0161 mnoho najednou,\u201c<\/em> dodal Vladim\u00edr Holovka.<\/p>\n<p><strong>V \u010cesku dominuj\u00ed akcie \u010cEZ, na Slovensku m\u011bnov\u00e9 p\u00e1ry<\/strong><\/p>\n<p>Nejobchodovan\u011bj\u0161\u00edm titulem co do objemu investic je v\u00a0\u010cesku polost\u00e1tn\u00ed \u010cEZ. Dominuje nap\u0159\u00ed\u010d v\u011bkov\u00fdmi skupinami. D\u016fvodem je jeho siln\u00e1 pozice v\u00a0jadern\u00e9 energetice, co\u017e po za\u010d\u00e1tku v\u00e1lky na Ukrajin\u011b a r\u016fstu cen energi\u00ed v\u00fdrazn\u011b zv\u00fd\u0161ilo mar\u017ee spole\u010dnosti. N\u00e1sledoval siln\u00fd r\u016fst cen akci\u00ed, na kter\u00e9m kapitalizovala cel\u00e1 \u0159ada investor\u016f. Nejv\u011bt\u0161\u00ed spole\u010dnost, nejziskov\u011bj\u0161\u00ed titul na pra\u017esk\u00e9 burze a znalost prost\u0159ed\u00ed stoj\u00ed za d\u016fvody, pro\u010d je \u010cEZ u \u010desk\u00fdch investor\u016f na prvn\u00edm m\u00edst\u011b.<\/p>\n<p>Na Slovensku akci\u00edm \u010cEZ \u017e\u00e1dn\u00e1 v\u011bkov\u00e1 skupina od roku 2022 pozornost nev\u011bnovala. Nejpopul\u00e1rn\u011bj\u0161\u00ed u slovensk\u00fdch investor\u016f v\u0161ech v\u011bkov\u00fdch kategori\u00ed je obchodov\u00e1n\u00ed m\u011bnov\u00e9ho p\u00e1ru euro dolar n\u00e1sledovan\u00e9 zlatem. Co se t\u00fdk\u00e1 akci\u00ed, tak u soused\u016f v\u00e9vod\u00ed Apple a Alphabet (Google).<\/p>\n<p>Tak\u00e9 \u010desk\u00e9 investory v minul\u00e9m roce vedle jasn\u00e9ho l\u00eddra \u010cEZu zaujaly i popul\u00e1rn\u00ed technologick\u00e9 akcie. Nejv\u00edce je v portfoli\u00edch investor\u016f zastoupena spole\u010dnost Apple a Alphabet (Google). Hlavn\u00edm d\u016fvodem je r\u016fstov\u00e1 dynamika t\u011bchto akci\u00ed a jejich glob\u00e1ln\u00ed popularita. Z\u00e1rove\u0148 jde o firmy, kter\u00e9 doru\u010dily i ve slo\u017eit\u00e9m prost\u0159ed\u00ed solidn\u00ed v\u00fdsledky a Apple je vn\u00edm\u00e1m jako akcie do ka\u017ed\u00e9ho po\u010das\u00ed.<\/p>\n<p><strong>Bitcion dr\u017e\u00ed star\u0161\u00ed investo\u0159i<\/strong><\/p>\n<p>V\u00fdrazn\u00fd pokles cen na akciov\u00fdch trz\u00edch, tzv. medv\u011bd\u00ed trh, na kryptom\u011bn\u00e1ch v\u00fdrazn\u011b sn\u00ed\u017eil z\u00e1jem o jejich obchodov\u00e1n\u00ed, a tak nejv\u011bt\u0161\u00ed objemy Bitcoinu dr\u017e\u00ed v\u011bkov\u00e1 skupina od 43 do 54 let. <em>\u201eD\u016fvodem m\u016f\u017ee b\u00fdt konzervativn\u011bj\u0161\u00ed n\u00e1tura t\u00e9to skupiny investor\u016f, kdy \u0159ada z nich mo\u017en\u00e1 nestihla prodat a pozice dr\u017e\u00ed,\u201c<\/em> \u0159\u00edk\u00e1 H\u00e1jek s\u00a0t\u00edm, \u017ee u mlad\u0161\u00edch investor\u016f dominuj\u00ed za akciemi \u010cEZ v\u00a0zobchodovan\u00fdch objemech technologi\u010dt\u00ed giganti Apple a Alphabet, kde byla mo\u017enost vyu\u017e\u00edt minul\u00fd rok ni\u017e\u0161\u00edch cen.<\/p>\n<p><strong>Akcie vedou<\/strong><\/p>\n<p>Z\u00a0pohledu popularity jednotliv\u00fdch t\u0159\u00edd aktiv v\u00a0\u010cesku i na Slovensku dominuj\u00ed akcie. Hned za nimi z\u016fst\u00e1v\u00e1 velmi popul\u00e1rn\u00ed aktivn\u00ed trading na m\u011bnov\u00fdch p\u00e1rech, kter\u00fd d\u00edky v\u00fdrazn\u00e9mu pos\u00edlen\u00ed dolaru a pohybech na dal\u0161\u00edch m\u011bnov\u00fdch p\u00e1rech nab\u00eddl spoustu zaj\u00edmav\u00fdch p\u0159\u00edle\u017eitost\u00ed. V\u00e1lka na Ukrajin\u011b p\u0159inesla v\u00fdrazn\u00e9 pohyby na \u0159ad\u011b komodit, jako jsou ropa, zemn\u00ed plyn nebo p\u0161enice, kter\u00e9 investo\u0159i hojn\u011b obchodovali. Komodity se tak um\u00edstily na t\u0159et\u00edm m\u00edst\u011b.<\/p>\n<p><strong>\u017deny investorky jsou opatrn\u011bj\u0161\u00ed<\/strong><\/p>\n<p>\u010cesko i Slovensko pat\u0159\u00ed spolu s\u00a0Franci\u00ed a N\u011bmeckem mezi zem\u011b s\u00a0nejni\u017e\u0161\u00edm pod\u00edlem \u017een investorek. V\u00a0\u010cesku na platform\u011b XTB aktu\u00e1ln\u011b investuje 7 % \u017een, zat\u00edmco na Slovensku je to 9 % \u017een. nejv\u011bt\u0161\u00ed pod\u00edl \u017een mezi investory je v\u00a0Rumunsku s pod\u00edlem 26 %. Nap\u0159\u00edklad ve Velk\u00e9 Brit\u00e1nii \u017eeny p\u0159edstavuj\u00ed 14 % investor\u016f. Podle ned\u00e1vn\u00e9ho pr\u016fzkumu Asociace pro kapit\u00e1lov\u00fd trh \u010cR \u017eeny poci\u0165uj\u00ed bari\u00e9ry v investov\u00e1n\u00ed daleko siln\u011bji ne\u017e mu\u017ei. Nejv\u011bt\u0161\u00edmi p\u0159ek\u00e1\u017ekami pro n\u011b b\u00fdv\u00e1 strach z ze ztr\u00e1ty investovan\u00fdch pen\u011bz a obava u investi\u010dn\u00edho podvodu.<\/p>\n<p>Krom\u011b vy\u0161\u0161\u00edho pr\u016fm\u011brn\u00e9ho v\u011bku u \u017een investorek (40 let v \u010cR, 35 let na SVK) oproti v\u0161em investor\u016fm, je zaj\u00edmav\u00fd tak\u00e9 rozd\u00edl ve zp\u016fsobu investov\u00e1n\u00ed. Podle glob\u00e1ln\u00edch dat XTB \u017eeny investuj\u00ed sp\u00ed\u0161e konzervativn\u011b. Cel\u00fdch 59 % transakc\u00ed iniciovan\u00fdch \u017eenami bylo provedeno prost\u0159ednictv\u00edm desktopov\u00e9 aplikace, tedy pomoc\u00ed po\u010d\u00edta\u010de.<\/p>\n<p><em>\u201eJsme sv\u011bdky rozs\u00e1hl\u00e9 demokratizace investov\u00e1n\u00ed, kter\u00e9 p\u0159est\u00e1v\u00e1 b\u00fdt v\u00fdsadou lid\u00ed s\u00a0dostate\u010dn\u011b vysok\u00fdm kapit\u00e1lem. Bour\u00e1me bari\u00e9ry a m\u00fdty o investov\u00e1n\u00ed a sou\u010dasn\u011b v\u00a0t\u00e9to oblasti vzd\u011bl\u00e1v\u00e1me \u0161ir\u0161\u00ed ve\u0159ejnost, kter\u00e1 v\u00a0dne\u0161n\u00ed dob\u011b hled\u00e1 nov\u00e9 cesty z\u00faro\u010den\u00ed sv\u00fdch \u00faspor. Jsem p\u0159esv\u011bd\u010den o tom, \u017ee b\u011b\u017en\u00fdch a drobn\u00fdch investor\u016f bude nad\u00e1le p\u0159ib\u00fdvat. Stejn\u011b tak investov\u00e1n\u00ed p\u0159estane b\u00fdt hlavn\u011b mu\u017eskou dom\u00e9nou. V\u0161em investor\u016fm bez ohledu na v\u00fd\u0161i kapit\u00e1lu, v\u011bk nebo gender chceme b\u00fdt spolehliv\u00fdm partnerem a pr\u016fvodcem, \u201c<\/em> uzav\u00edr\u00e1 Vladim\u00edr Holovka.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2060\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_01_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_01_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_01_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_01_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_01_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_01_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2061\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_02_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_02_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_02_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_02_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_02_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_02_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2062\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_03_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_03_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_03_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_03_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_03_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_03_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2063\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_04_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_04_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_04_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_04_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_04_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_04_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2064\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_05_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_05_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_05_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_05_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_05_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_05_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2065\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_06_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_06_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_06_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_06_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_06_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_06_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-2066\" src=\"http:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_07_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_07_-Jak-Cesi-a-Slovaci-investuji__1080x1080-300x300.png 300w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_07_-Jak-Cesi-a-Slovaci-investuji__1080x1080-1024x1024.png 1024w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_07_-Jak-Cesi-a-Slovaci-investuji__1080x1080-150x150.png 150w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_07_-Jak-Cesi-a-Slovaci-investuji__1080x1080-768x768.png 768w, https:\/\/www.czechbankingnews.cz\/wp-content\/uploads\/2023\/10\/CZ_07_-Jak-Cesi-a-Slovaci-investuji__1080x1080.png 1080w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>P\u0159in\u00e1\u0161\u00edme anal\u00fdzu XTB, kter\u00e1 mimo jin\u00e9 sleduje klesaj\u00edc\u00ed v\u011bk \u010desk\u00fdch a slovensk\u00fdch investor\u016f od roku 2018 a jejich investov\u00e1n\u00ed od za\u010d\u00e1tku roku 2022 doposud. Anal\u00fdza <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=2058\" title=\"XTB: Jak \u010ce\u0161i a Slov\u00e1ci investuj\u00ed? Z mobilu a ve st\u00e1le ni\u017e\u0161\u00edm v\u011bku\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":2059,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-2058","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\/2058","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=2058"}],"version-history":[{"count":3,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2058\/revisions"}],"predecessor-version":[{"id":2069,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2058\/revisions\/2069"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/2059"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}