![](\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/03\/zeny-investorky-investice.png\")
<\/a><\/p>\nPro nov\u00e1\u010dky na sc\u00e9n\u011b je toti\u017e z\u00e1sadn\u00edm probl\u00e9mem vybrat si z\u00a0mno\u017estv\u00ed investi\u010dn\u00edch n\u00e1stroj\u016f ten prav\u00fd. Nab\u00eddka je \u0161irok\u00e1 a\u00a0\u00fa\u010dastnice debaty se shodly na tom, \u017ee kl\u00ed\u010dov\u00e1 je motivace. Pro\u010d vlastn\u011b za\u010d\u00edt s\u00a0investov\u00e1n\u00edm a\u00a0jak\u00fd m\u00e1 b\u00fdt c\u00edl.<\/p>\n
Anna P\u00edchov\u00e1 s\u00a0investov\u00e1n\u00edm za\u010dala p\u0159ed osmi lety, a\u00a0to prost\u0159ednictv\u00edm bankou nab\u00edzen\u00fdch pod\u00edlov\u00fdch fond\u016f. Postupn\u011b se p\u0159esunula k\u00a0akciov\u00fdm ETF (burzovn\u011b obchodovan\u00e9 fondy).<\/p>\n
A pr\u00e1v\u011b ty v\u0161echny pozvan\u00e9 investorky ozna\u010dily jako nejjednodu\u0161\u0161\u00ed verzi zp\u016fsobu, jak investovat, m\u00edt mo\u017enost vyb\u00edrat, do \u010deho p\u0159esn\u011b prost\u0159edky vlo\u017eit, a\u00a0eliminovat rozhodnut\u00ed portfolio mana\u017eera spravuj\u00edc\u00edho investi\u010dn\u00ed fond.<\/p>\n
Pod\u00edlov\u00e9 akciov\u00e9 fondy v\u0161ak nezatracuj\u00ed a\u00a0spole\u010dn\u011b s\u00a0ETF je vid\u00ed jako dobr\u00fd za\u010d\u00e1tek. V\u00fdhodou je, \u017ee nen\u00ed nutn\u00e9 m\u00edt milionov\u00e9 prost\u0159edky, proto\u017ee t\u00edmto zp\u016fsobem m\u00e1 smysl investovat i\u00a0po tis\u00edcikorun\u00e1ch. D\u016fle\u017eit\u00e1 je pravidelnost a\u00a0pokud mo\u017eno dlouhodob\u00fd c\u00edl.<\/p>\n
\u201eZejm\u00e9na pokud investuji do akci\u00ed, m\u011bla bych po\u010d\u00edtat s\u00a0t\u00edm, \u017ee pen\u00edze tam m\u00e1m nechat dlouhou dobu. \u010c\u00edm d\u00e9le, t\u00edm v\u00edce eliminuji v\u00fdkyvy, k\u00a0nim\u017e bezpochyby bude doch\u00e1zet. Pokud investuji na 10\u00a0let a\u00a0v\u00edce, tak pravd\u011bpodobnost, \u017ee v\u00fdkon m\u00e9 investice klesne pod nulu, je velmi mal\u00e1. To lze vid\u011bt na historick\u00fdch datech,\u201c \u0159\u00edk\u00e1 Anna P\u00edchov\u00e1.<\/p>\n
Ale pozor, \u0159ada lid\u00ed si mysl\u00ed, \u017ee zainvestovan\u00e9 pen\u00edze jsou na roky nedostupn\u00e9. Jednou z\u00a0v\u00fdhod prost\u0159edk\u016f p\u0159i investov\u00e1n\u00ed do ETF \u010di pod\u00edlov\u00fdch fond\u016f je pr\u00e1v\u011b jejich likvidita. Ale samoz\u0159ejm\u011b brzk\u00fd v\u00fdb\u011br pen\u011bz, z\u00a0jak\u00e9hokoliv d\u016fvodu, m\u016f\u017ee v\u00fdznamn\u011b ovlivnit v\u00fdnosnost investice.<\/p>\n
Nemus\u00edte b\u00fdt bohat\u00ed a\u00a0nemus\u00edte b\u00fdt ani investi\u010dn\u00edm expertem. Investov\u00e1n\u00ed je opravdu pro v\u0161echny, ka\u017ed\u00fd m\u016f\u017ee za\u010d\u00edt. Nejd\u016fle\u017eit\u011bj\u0161\u00ed je dlouhodobost a\u00a0pravidelnost.<\/p>\n
Mark\u00e9ta Pe\u010dov\u00e1, specialistka na z\u00e1kaznickou zku\u0161enost a Service Design v Raiffeisenbank<\/p>\n
L\u00e1kav\u00e9 je tak\u00e9 samoz\u0159ejm\u011b nakupovat p\u0159\u00edmo akcie \u00fasp\u011b\u0161n\u00fdch firem. Zejm\u00e9na t\u011bch podnik\u016f, kter\u00e9 je\u0161t\u011b \u010dek\u00e1 r\u016fst. Kter\u00e9 to ale jsou? Investorka Kamila Kud\u011blov\u00e1 se nech\u00e1v\u00e1 inspirovat \u00fasp\u011b\u0161n\u00fdmi.<\/p>\n
\u201eNej\u00fasp\u011b\u0161n\u011bj\u0161\u00ed investo\u0159i na sv\u011bt\u011b kladou, jen s\u00a0drobnou obm\u011bnou, d\u016fraz na to, aby \u010dlov\u011bk investoval jen do toho, \u010demu opravdu rozum\u00ed. Peter Lynch (americk\u00fd investor a\u00a0filantrop, pozn. red.) doporu\u010doval, aby \u010dlov\u011bk poznal firmu, jej\u00ed\u017e akcie chce koupit, i\u00a0z pozice z\u00e1kazn\u00edka. Aby poznal jej\u00ed produkty a\u00a0slu\u017eby. J\u00e1 bych doplnila, aby investoval p\u0159edev\u0161\u00edm do toho, co ho zaj\u00edm\u00e1 a\u00a0co ho bav\u00ed,\u201c doporu\u010duje Kud\u011blov\u00e1.<\/p>\n
Znovu p\u0159ipom\u00edn\u00e1, \u017ee investov\u00e1n\u00ed je dlouhodobou z\u00e1le\u017eitost\u00ed. K\u00a0tomu, abychom dos\u00e1hli dobr\u00fdch v\u00fdsledk\u016f, pot\u0159ebujeme vytrvat, ale\u00a0tak\u00e9 si o \u201esv\u00e9m podniku\u201c pr\u016fb\u011b\u017en\u011b st\u00e1le zji\u0161\u0165ovat informace.<\/p>\n
\u201eTak\u017ee mnohem vy\u0161\u0161\u00ed pravd\u011bpodobnost \u00fasp\u011bchu m\u00e1m ve chv\u00edli, kdy se zab\u00fdv\u00e1m n\u011b\u010d\u00edm, co m\u011b opravdu zaj\u00edm\u00e1 a\u00a0bav\u00ed.\u201c<\/p>\n
Ale koho bav\u00ed \u010d\u00edst si o\u00a0\u010dipech nebo analyzovat p\u0159ekotn\u00fd v\u00fdvoj technologi\u00ed zalo\u017een\u00fdch na um\u011bl\u00e9 inteligenci?<\/p>\n
\u201eVyb\u00edrejte fondy, kter\u00e9 obsahuj\u00ed v\u0161echny hlavn\u00ed akciov\u00e9 trhy na sv\u011bt\u011b. \u010casto jsou to ETF, kter\u00e9 kop\u00edruj\u00ed index MSCI World, to znamen\u00e1, \u017ee jsou tam zastoupeny v\u0161echny sv\u011btov\u00e9 regiony a\u00a0v\u0161echny sektory a\u00a0ty nejv\u011bt\u0161\u00ed obchodovan\u00e9 firmy,\u201c prozradila Anna P\u00edchov\u00e1.<\/p>\n V debat\u011b o\u00a0investov\u00e1n\u00ed se nelze vyhnout kryptom\u011bn\u00e1m. Host\u00e9 Zuzany Hodkov\u00e9 kryptom\u011bny nezatracuj\u00ed a\u00a0shoduj\u00ed se na tom, \u017ee i\u00a0zde plat\u00ed\u00a0\u2013 pokud v\u00e1s to bav\u00ed, m\u016f\u017eete i\u00a0s nimi usp\u011bt.<\/p>\n \u201eJ\u00e1 t\u0159eba ke kryptu takov\u00fd vztah nem\u00e1m, ale zn\u00e1m spoustu investorek, kter\u00e9 tenhle sv\u011bt bav\u00ed, bav\u00ed je mnohem v\u00edce ne\u017e ten akciov\u00fd, tak investuj\u00ed sp\u00ed\u0161e touto cestou,\u201c \u0159\u00edk\u00e1 Anna P\u00edchov\u00e1. Pokud tedy kryptom\u011bn\u00e1m v\u011b\u0159\u00edte a\u00a0bav\u00ed v\u00e1s, mohou b\u00fdt v\u00a0ur\u010dit\u00e9m pom\u011bru ve va\u0161em portfoliu zastoupeny.<\/p>\n \u201eV dne\u0161n\u00ed dob\u011b u\u017e to jde i\u00a0t\u011bmi ETF, u\u017e nemus\u00edm p\u0159\u00edmo kupovat nap\u0159\u00edklad bitcoin. Ale je fajn si \u0159\u00edct, pro\u010d tam zrovna to krypto chci, nebo nechci, a\u00a0jak\u00fd k\u00a0n\u011bmu m\u00e1m vztah,\u201c \u0159\u00edk\u00e1 P\u00edchov\u00e1.<\/p>\n Kdo vlastn\u011b \u0159\u00edd\u00ed rodinn\u00e9 finance?<\/p>\n Spole\u010dnost XTB zve\u0159ejnila u\u00a0p\u0159\u00edle\u017eitosti Mezin\u00e1rodn\u00edho dne \u017een v\u00fdsledky pr\u016fzkumu zam\u011b\u0159en\u00e9ho na spr\u00e1vu financ\u00ed a\u00a0investov\u00e1n\u00ed v\u00a0\u010desk\u00fdch dom\u00e1cnostech. Pr\u016fzkumu se z\u00fa\u010dastnili lid\u00e9 \u017eij\u00edc\u00ed v\u00a0partnersk\u00e9m sou\u017eit\u00ed (\u017eenat\u00ed, vdan\u00e9, osoby \u017eij\u00edc\u00ed s\u00a0partnerem v\u00a0nesezdan\u00e9m sou\u017eit\u00ed a\u00a0osoby \u017eij\u00edc\u00ed v\u00a0registrovan\u00e9m partnerstv\u00ed).<\/p>\n Hlavn\u00ed zji\u0161t\u011bn\u00ed pr\u016fzkumu:<\/p>\n 60 % \u017een uv\u00e1d\u00ed, \u017ee ka\u017edodenn\u00ed v\u00fddaje dom\u00e1cnosti \u0159e\u0161\u00ed prim\u00e1rn\u011b ony. Ov\u0161em stejn\u00fd n\u00e1zor sd\u00edl\u00ed jen 35 % mu\u017e\u016f.17 % mu\u017e\u016f tvrd\u00ed, \u017ee v\u00fddaje \u0159e\u0161\u00ed p\u0159ev\u00e1\u017en\u011b oni sami. Av\u0161ak toto potvrzuje pouze 3,6 % dot\u00e1zan\u00fdch \u017een.Genderov\u00e1 propast v investi\u010dn\u00ed aktivit\u011b dosahuje 20 p. b. ve prosp\u011bch mu\u017e\u016f (37 % \u017een tvrd\u00ed, \u017ee aktivn\u011b investuje, u mu\u017e\u016f je to 57 %).T\u00e9m\u011b\u0159 30 % investuj\u00edc\u00edch \u017een vkl\u00e1d\u00e1 m\u00e9n\u011b ne\u017e 1 000 K\u010d m\u011bs\u00ed\u010dn\u011b, u mu\u017e\u016f je to 20,3 %.Ne\u010dekan\u00fd bonus 50 000 K\u010d by investovalo 22 % mu\u017e\u016f a 11 % \u017een.57 % \u017een by bonus ulo\u017eilo do rezervy (spo\u0159en\u00ed), to sam\u00e9 by ud\u011blalo 49 % mu\u017e\u016f.19 % respondent\u016f p\u0159izn\u00e1v\u00e1, \u017ee m\u00e1 tajn\u00fd finan\u010dn\u00ed fond, o kter\u00e9m partner nev\u00ed.45 % dom\u00e1cnost\u00ed m\u00e1 finance zcela odd\u011blen\u00e9.<\/p>\n A \u010deho se v\u00a0po\u010d\u00e1tc\u00edch investov\u00e1n\u00ed naopak vyvarovat?<\/p>\n Investic\u00edm do startup\u016f nebo do akci\u00ed firem, kter\u00e9 p\u0159ijdou \u010derstv\u011b na burzu. Podle Kamily Kud\u011blov\u00e9 se s\u00a0nimi poj\u00ed pom\u011brn\u011b vysok\u00e9 riziko a\u00a0ona sama do nich neinvestuje. Anna P\u00edchov\u00e1 doporu\u010duje vyhnout se tak\u00e9 n\u011bkter\u00fdm dluhopis\u016fm, hlavn\u011b t\u011bm korpor\u00e1tn\u00edm.<\/p>\n \u201eT\u0159eba pokud jde o\u00a0\u010desk\u00e9 korpor\u00e1tn\u00ed dluhopisy, tam \u010dasto nejsou dostupn\u00e1 data, na kter\u00fdch bych mohla svoji anal\u00fdzu zalo\u017eit a\u00a0posoudit vhodnost investice,\u201c vysv\u011btlila P\u00edchov\u00e1, kter\u00e1 se dlouhodob\u011b v\u011bnuje vzd\u011bl\u00e1v\u00e1n\u00ed \u017een v\u00a0projektu Ona investuje.<\/p>\n K rad\u00e1m obecn\u011bj\u0161\u00edm, ale o\u00a0to cenn\u011bj\u0161\u00edm, pat\u0159\u00ed hlavn\u011b doporu\u010den\u00ed investovat v\u017edy jen svoje, nikoliv p\u016fj\u010den\u00e9 pen\u00edze. Za velmi rizikov\u00e9 a\u00a0pro investora nov\u00e1\u010dka tedy nevhodn\u00e9 pova\u017euj\u00ed investorky investov\u00e1n\u00ed takzvan\u011b na p\u00e1ku (s p\u016fj\u010dkou od brokera).<\/p>\n \u201eA sna\u017eit se nepodlehnout n\u011bjak\u00e9mu tlaku, aby \u010dlov\u011bk nekoupil akcii jenom proto, \u017ee m\u00e1 pocit, \u017ee mu n\u011bco ute\u010de. Berte to tak, \u017ee i\u00a0kdyby \u010dlov\u011bku n\u011bjak\u00e1 p\u0159\u00edle\u017eitost utekla, tak p\u0159ijde zase dal\u0161\u00ed,\u201c \u0159ekla tak\u00e9 v\u00a0debat\u011b \u00fasp\u011b\u0161n\u00fdch investorek Kamila Kud\u011blov\u00e1.<\/p>\n Celou debatu si pus\u0165te v\u00a0\u00favodu tohoto \u010dl\u00e1nku.<\/p>\n \u010cesk\u00e1 elita\u00a0\u2013 \u017deb\u0159\u00ed\u010dek nejhodnotn\u011bj\u0161\u00edch firem \u010ceska<\/p>\n![](\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/03\/byt-byty.jpeg\")
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