{"id":730,"date":"2023-01-19T13:28:03","date_gmt":"2023-01-19T13:28:03","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=730"},"modified":"2023-01-19T13:30:45","modified_gmt":"2023-01-19T13:30:45","slug":"akat-kolik-cechu-investuje-a-proc","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=730","title":{"rendered":"AKAT: Kolik \u010cech\u016f investuje a pro\u010d?"},"content":{"rendered":"

Kolik \u010cech\u016f investuje a pro\u010d? Jsme st\u00e1le stejn\u011b konzervativn\u00ed, jak se o n\u00e1s tvrd\u00ed? Podle \u010deho lid\u00e9 vol\u00ed produkty, do kter\u00fdch vlo\u017e\u00ed sv\u00e9 \u00faspory? A budou letos v\u00fdrazn\u011bji \u0161et\u0159it? I na tyto ot\u00e1zky p\u0159in\u00e1\u0161\u00ed odpov\u011bdi rozs\u00e1hl\u00fd pr\u016fzkum, kter\u00fd provedla v listopadu roku 2022 Asociace pro kapit\u00e1lov\u00fd trh \u010cR ve spolupr\u00e1ci s agenturou Perfect Crowd.<\/strong><\/p>\n

<\/p>\n

Jen 35 % \u010cech\u016f investuje pravideln\u011b, nebo to v minulosti alespo\u0148 jednor\u00e1zov\u011b vyzkou\u0161elo. Oproti tomu 37 % lid\u00ed nem\u00e1 s investov\u00e1n\u00edm \u017e\u00e1dnou zku\u0161enost a ani s n\u00edm nehodl\u00e1 za\u010d\u00ednat.<\/p>\n

\u201cKdy\u017e se pod\u00edv\u00e1me na zahrani\u010dn\u00ed statistiky, m\u00e1me st\u00e1le co doh\u00e1n\u011bt.<\/em> Dal\u0161\u00edch 23 % respondent\u016f ov\u0161em investov\u00e1n\u00ed zva\u017euje, co\u017e u\u017e zn\u00ed v\u00fdrazn\u011b nad\u011bjn\u011bji. Vede je k tomu pravd\u011bpodobn\u011b i sou\u010dasn\u00e1 enormn\u011b vysok\u00e1 inflace<\/em>, kter\u00e1 je nut\u00ed p\u0159em\u00fd\u0161let o tom, jak nenechat sv\u00e9 \u00faspory znehodnocovat na b\u011b\u017en\u00e9m \u00fa\u010dtu,\u201d<\/em> komentuje Jana Brodani, v\u00fdkonn\u00e1 \u0159editelka AKAT \u010cR. <\/strong>\u201cNa druhou stranu je t\u0159eba br\u00e1t v potaz, \u017ee \u010dast\u00fdm d\u016fvodem pro\u010d lid\u00e9 neinvestuj\u00ed, je fakt, \u017ee jim pr\u00e1v\u011b kv\u016fli zm\u00edn\u011bn\u00e9 inflaci prost\u0159edky prost\u011b nezb\u00fdvaj\u00ed<\/em>. Dle pravideln\u00fdch statistik AKATu ov\u0161em po\u010det lid\u00ed, kte\u0159\u00ed investuj\u00ed pravideln\u011b, p\u0159ece jen postupn\u011b roste – nen\u00ed toti\u017e nutn\u00e9 investovat velk\u00e9 \u010d\u00e1stky, z\u00e1sadn\u00ed je pr\u00e1v\u011b ona pravidelnost.\u201d<\/em><\/p>\n

Vedle nedostatku prost\u0159edk\u016f u n\u00edzko p\u0159\u00edjmov\u00fdch skupin 39 % lid\u00ed tvrd\u00ed, \u017ee jim v investov\u00e1n\u00ed br\u00e1n\u00ed obava, \u017ee o sv\u00e9 pen\u00edze mohou p\u0159ij\u00edt.<\/p>\n

\u201cD\u016fv\u011b\u0159e v kapit\u00e1lov\u00fd trh neprosp\u011bly ani <\/em>problematick\u00e9 p\u0159\u00edpady investic do firemn\u00edch dluhopis\u016f<\/em> v posledn\u00edch letech, na n\u011b\u017e opakovan\u011b upozor\u0148ujeme. Obecn\u011b pozorujeme jist\u00fd paradox<\/em>: lid\u00e9 maj\u00ed z investic strach, boj\u00ed se, aby nenalet\u011bli, ale z\u00e1rove\u0148 ned\u016fv\u011b\u0159uj\u00ed ani sami sob\u011b.<\/em> Proto si AKAT \u010cR klade za jeden z hlavn\u00edch c\u00edl\u016f edukaci, kter\u00e1 drobn\u00e9 investory nau\u010d\u00ed vyhled\u00e1vat informace a minimalizovat s investov\u00e1n\u00edm spojen\u00e9 riziko,\u201d <\/em>vysv\u011btluje \u00a0<\/em>Martin \u0158ez\u00e1\u010d, p\u0159edseda AKAT \u010cR.<\/strong><\/p>\n

\"\"
Martin \u0158ez\u00e1\u010d<\/figcaption><\/figure>\n

\u010ce\u0161i z\u016fst\u00e1vaj\u00ed v\u011brni osv\u011bd\u010den\u00fdm n\u00e1stroj\u016fm<\/strong><\/p>\n

Nen\u00ed p\u0159ekvapiv\u00e9, \u017ee za svoji nejlep\u0161\u00ed \u017eivotn\u00ed investici pova\u017euje cel\u00fdch 29 % respondent\u016f nemovitost. A v\u00fdvoj cen nemovitost\u00ed za posledn\u00ed dv\u011b dek\u00e1dy je utvrzuje v tom, \u017ee pr\u00e1v\u011b investicedo nemovitosti byla ta spr\u00e1vn\u00e1. A\u017e s velk\u00fdm odstupem jsou zmi\u0148ov\u00e1ny investice do rodiny \u010di vlastn\u00edho vzd\u011bl\u00e1n\u00ed, tedy do lidsk\u00e9ho kapit\u00e1lu.<\/p>\n

Zdaleka nejsiln\u011bj\u0161\u00edm motiv\u00e1torem k investov\u00e1n\u00ed je pak v sou\u010dasn\u00e9 dob\u011b zaji\u0161t\u011bn\u00ed na st\u00e1\u0159\u00ed<\/strong> – lid\u00e9 nev\u011b\u0159\u00ed, \u017ee se o n\u011b ve st\u00e1\u0159\u00ed st\u00e1t postar\u00e1 (37 %) a z\u00e1rove\u0148 si cht\u011bj\u00ed udr\u017eet sv\u016fj sou\u010dasn\u00fd aktivn\u00ed \u017eivotn\u00ed styl (31 %).<\/p>\n

\u201cVelk\u00fdm krokem v tomto sm\u011bru by m\u011blo b\u00fdt zaveden\u00ed Investi\u010dn\u00edho penzijn\u00edho \u00fa\u010dtu, jeho\u017e je AKAT \u010cR inici\u00e1torem a v r\u00e1mci n\u011bho\u017e by dlouhodob\u00e9 investice, ur\u010den\u00e9 k zaji\u0161t\u011bn\u00ed na d\u016fchod, m\u011bly b\u00fdt nov\u011b da\u0148ov\u011b zv\u00fdhodn\u011bny stejn\u011b jako penzijn\u00ed spo\u0159en\u00ed a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed,\u201d <\/em>dod\u00e1v\u00e1 Jana Brodani.<\/p>\n

Nesta\u010d\u00ed m\u00edt pen\u00edze, je t\u0159eba v\u011bd\u011bt, jak na to<\/strong><\/p>\n

S ochotou investovat siln\u011b koreluj\u00ed v\u00fd\u0161e \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu a \u00faspor. \u010c\u00edm m\u00e9n\u011b pen\u011b\u017e respondent m\u00e1, t\u00edm men\u0161\u00ed jsou jeho zku\u0161enosti s investov\u00e1n\u00edm. Ov\u0161em je\u0161t\u011b v\u011bt\u0161\u00ed vliv na to, zda \u010dlov\u011bk investuje, m\u00e1 vzd\u011bl\u00e1n\u00ed.<\/p>\n

\u201cK<\/em> investov\u00e1n\u00ed je krom\u011b pen\u011bz pot\u0159eba <\/em>tak\u00e9 <\/em>rozhled a finan\u010dn\u00ed gramotnost<\/em>, a to je \u010dasto k\u00e1men \u00farazu. Mnoz\u00ed se nechaj\u00ed odradit prvn\u00edm drobn\u00fdm ne\u00fasp\u011bchem \u010di medializovan\u00fdmi p\u0159\u00edpady nekvalitn\u00edch firemn\u00edch dluhopis\u016f a investov\u00e1n\u00ed se ze strachu vyh\u00fdbaj\u00ed. Investov\u00e1n\u00ed nen\u00ed snadn\u00e1 discipl\u00edna. Vy\u017eaduje aktivn\u00ed p\u0159\u00edstup, vyhled\u00e1v\u00e1n\u00ed a vyhodnocov\u00e1n\u00ed relevantn\u00edch informac\u00ed, od v\u011bci nen\u00ed v\u00fdb\u011br kvalitn\u00edho finan\u010dn\u00edho poradce,\u201d<\/em> doporu\u010duje Jarom\u00edr Sladkovsk\u00fd, m\u00edstop\u0159edseda AKAT \u010cR<\/strong>.<\/p>\n

Pr\u00e1v\u011b finan\u010dn\u00ed poradce z\u016fst\u00e1v\u00e1 i nad\u00e1le nej\u010dast\u011bj\u0161\u00edm prost\u0159edn\u00edkem mezi lidmi a sv\u011btem investic. \u0158ada klient\u016f se nicm\u00e9n\u011b stala v investic\u00edch vlastn\u011b samoobslu\u017en\u00fdmi d\u00edky rozvoji investi\u010dn\u00edch platforem<\/strong>. Tak\u00e9 z\u00edsk\u00e1v\u00e1n\u00ed informac\u00ed je r\u016fzn\u00e9 – nejv\u00edce se v tomto sm\u011bru vymyk\u00e1 nejmlad\u0161\u00ed v\u011bkov\u00e1 skupina 18-26 let, pro kterou jsou jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch zdroj\u016f informac\u00ed podcasty<\/strong>, YouTube a soci\u00e1ln\u00ed s\u00edt\u011b<\/strong>, je\u0161t\u011b \u010dast\u011bji pak tak\u00e9 p\u0159\u00e1tel\u00e9 a zn\u00e1m\u00ed.<\/p>\n

\u201cJe zde tedy v\u00fdrazn\u00fd genera\u010dn\u00ed posun. U mlad\u0161\u00ed generace se st\u00e1v\u00e1 investov\u00e1n\u00ed zcela b\u011b\u017enou sou\u010d\u00e1st\u00ed hovoru s p\u0159\u00e1teli, p\u0159edm\u011btem spole\u010densk\u00e9 konverzace. A pr\u00e1v\u011b mlad\u0161\u00ed lid\u00e9 tak\u00e9 \u010dast\u011bji deklaruj\u00ed, \u017ee se chystaj\u00ed investovat. V n\u00e1rod\u011b spo\u0159il\u016f n\u00e1m tak dor\u016fst\u00e1 investuj\u00edc\u00ed generace<\/em>,\u201d<\/em> uzav\u00edr\u00e1 Jana Brodani.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kolik \u010cech\u016f investuje a pro\u010d? Jsme st\u00e1le stejn\u011b konzervativn\u00ed, jak se o n\u00e1s tvrd\u00ed? Podle \u010deho lid\u00e9 vol\u00ed produkty, do kter\u00fdch vlo\u017e\u00ed sv\u00e9 \u00faspory? A […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":731,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-730","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\/730","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=730"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/730\/revisions"}],"predecessor-version":[{"id":734,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/730\/revisions\/734"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/731"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}