{"id":55601,"date":"2025-06-24T13:03:52","date_gmt":"2025-06-24T05:03:52","guid":{"rendered":"http:\/\/test.swqi.tw\/?p=55601"},"modified":"2025-12-03T03:42:44","modified_gmt":"2025-12-02T19:42:44","slug":"etf-retirement-risk","status":"publish","type":"post","link":"https:\/\/mister.forex\/cs\/etf-retirement-risk\/","title":{"rendered":"Chcete odej\u00edt do d\u016fchodu s ETF? Jedna pravda, kter\u00e9 se mus\u00edte postavit:&nbsp;Kolik va\u0161ich aktiv ztrat\u00ed hodnotu p\u0159i krachu na trhu?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"55601\" class=\"elementor elementor-55601\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d86a7a9 e-flex e-con-boxed e-con e-parent\" data-id=\"d86a7a9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9e9662 elementor-widget elementor-widget-html translation-block\" data-id=\"a9e9662\" data-element_type=\"widget\" data-widget_type=\"html.default\"><div style=\"16px\"><span>\n<h2><strong>Skryt\u00e9 riziko ETF:&nbsp;maxim\u00e1ln\u00ed pokles b\u011bhem krachu na akciov\u00e9m trhu, zvl\u00e1dne va\u0161e investi\u010dn\u00ed portfolio tuto z\u00e1t\u011b\u017e?<\/strong>&nbsp;<\/h2>\n\nIndexov\u00e9 ETF (nap\u0159\u00edklad produkty sleduj\u00edc\u00ed americk\u00fd index S&amp;P 500) se staly kl\u00ed\u010dov\u00fdm n\u00e1strojem pro dlouhodob\u00e9 investice a pl\u00e1nov\u00e1n\u00ed d\u016fchodu mnoha lid\u00ed.<br>\nTo je zcela pochopiteln\u00e9, proto\u017ee ETF nab\u00edzej\u00ed n\u00edzk\u00e9 n\u00e1klady, vysokou transparentnost a okam\u017eitou diverzifikaci rizika.<br>\nJsou bezpochyby jedn\u00edm z pozoruhodn\u00fdch vyn\u00e1lez\u016f modern\u00edho investi\u010dn\u00edho sv\u011bta.<br><br>\nNicm\u00e9n\u011b, pokud pou\u017eijeme ukazatel \u201emaxim\u00e1ln\u00ed pokles\u201c, kter\u00fd jsme se nau\u010dili v p\u0159edchoz\u00edm \u010dl\u00e1nku, zjist\u00edme fakt, kter\u00fd je v mnoha diskuz\u00edch opom\u00edjen, ale je z\u00e1sadn\u00ed.<br><br>\n\n<h3><strong>Skute\u010dn\u00fd stav podle dat:&nbsp;cena pasivn\u00edho investov\u00e1n\u00ed<\/strong>&nbsp;<\/h3>\nJ\u00e1drem ETF je \u201epasivn\u00ed\u201c sledov\u00e1n\u00ed tr\u017en\u00edho indexu.<br>\nTo znamen\u00e1, \u017ee kdy\u017e trh roste, va\u0161e aktiva rostou; ale kdy\u017e vypukne syst\u00e9mov\u00e9 riziko a trh kles\u00e1 plo\u0161n\u011b, ETF v\u011brn\u011b kop\u00edruje pokles trhu.<br><br>\nPoj\u010fme si p\u0159ipomenout n\u011bkolik v\u00fdznamn\u00fdch tr\u017en\u00edch kriz\u00ed v historii:&nbsp;<br><br>\n<ul>\n <li><strong>Finan\u010dn\u00ed krize 2008:<\/strong>&nbsp;glob\u00e1ln\u00ed krach akciov\u00fdch trh\u016f, ETF sleduj\u00edc\u00ed americk\u00fd index S&amp;P 500 zaznamenalo maxim\u00e1ln\u00ed pokles p\u0159esahuj\u00edc\u00ed -50 %.<\/li>\n <li><strong>\u00datok pandemie COVID-19 v roce 2020:<\/strong>&nbsp;i kdy\u017e trval krat\u0161\u00ed dobu, glob\u00e1ln\u00ed trhy b\u011bhem n\u011bkolika t\u00fddn\u016f prudce klesly, hlavn\u00ed tr\u017en\u00ed indexy zaznamenaly p\u0159ibli\u017en\u011b -30 % v\u00fdrazn\u00fd pokles.<\/li>\n<\/ul>\n<br>\nTato chladn\u00e1 \u010d\u00edsla nejsou p\u0159ehnan\u00e1 varov\u00e1n\u00ed, ale skute\u010dn\u00e9 historick\u00e9 ud\u00e1losti.<br>\nReprezentuj\u00ed potenci\u00e1ln\u00ed maxim\u00e1ln\u00ed ztr\u00e1tu, kter\u00e9 m\u016f\u017eete \u010delit, pokud dr\u017e\u00edte 100 % sv\u00e9ho portfolia v \u0161irok\u00e9m ETF.<br><br>\n\n<h3><strong>N\u011bkolik ot\u00e1zek, kter\u00fdm mus\u00edte \u010delit up\u0159\u00edmn\u011b<\/strong>&nbsp;<\/h3>\nNyn\u00ed si p\u0159edstavte tuto situaci:&nbsp;<br>\nInvestujete 1 milion korun do ETF sleduj\u00edc\u00edho \u0161irok\u00fd trh jako sou\u010d\u00e1st sv\u00e9ho dlouhodob\u00e9ho spo\u0159en\u00ed.<br>\nBohu\u017eel p\u0159ijde finan\u010dn\u00ed krize a b\u011bhem n\u011bkolika m\u011bs\u00edc\u016f hodnota va\u0161eho \u00fa\u010dtu klesne na 600 tis\u00edc, nebo dokonce 500 tis\u00edc.<br><br>\nV tuto chv\u00edli se up\u0159\u00edmn\u011b zeptejte sami sebe:&nbsp;<br><br>\n<ol>\n <li>Dok\u00e1\u017eete z\u016fstat klidn\u00ed a pokra\u010dovat ve sv\u00e9m p\u016fvodn\u00edm investi\u010dn\u00edm pl\u00e1nu, kdy\u017e va\u0161e aktiva v\u00fdrazn\u011b ztrat\u00ed hodnotu a trh je v pesimistick\u00e9 n\u00e1lad\u011b?<\/li>\n <li>Jste schopni sn\u00e9st obrovsk\u00fd psychologick\u00fd tlak, kdy\u017e vid\u00edte, jak se va\u0161e \u00faspory b\u011bhem kr\u00e1tk\u00e9 doby t\u00e9m\u011b\u0159 zpolovily?<\/li>\n <li>Pokud byste v t\u00e9 dob\u011b kv\u016fli osobn\u00edm d\u016fvod\u016fm pot\u0159ebovali pen\u00edze a byli nuceni prodat aktiva za velmi n\u00edzk\u00e9 ceny, jak velkou trvalou \u0161kodu by to zp\u016fsobilo va\u0161im financ\u00edm?<\/li>\n<\/ol>\n<br>\nTo je vnit\u0159n\u00ed v\u00fdzva strategie \u010dist\u00e9ho dr\u017een\u00ed ETF.<br>\nJeho \u201epasivn\u00ed\u201c charakter znamen\u00e1, \u017ee p\u0159i extr\u00e9mn\u00edch rizic\u00edch postr\u00e1d\u00e1 aktivn\u00ed obrann\u00e9 mechanismy.<br>\nPro investory s ni\u017e\u0161\u00ed toleranc\u00ed k riziku nebo ty, kte\u0159\u00ed nemohou sn\u00e9st prudk\u00e9 v\u00fdkyvy hodnoty aktiv, m\u016f\u017ee takov\u00fd pokles znamenat katastrofu.<br><br>\n\n<h3><strong>Z\u00e1v\u011br:&nbsp;pochopen\u00ed omezen\u00ed n\u00e1stroje<\/strong>&nbsp;<\/h3>\nMus\u00edme zd\u016fraznit, \u017ee ETF je samo o sob\u011b vynikaj\u00edc\u00edm finan\u010dn\u00edm n\u00e1strojem.<br>\nPro investory s velmi dlouh\u00fdm investi\u010dn\u00edm horizontem (nap\u0159\u00edklad p\u0159es 20 let), kte\u0159\u00ed dok\u00e1\u017eou zcela ignorovat velk\u00e9 v\u00fdkyvy b\u011bhem cesty, je st\u00e1le velmi efektivn\u00ed.<br><br>\nAle pokud usilujete o stabiln\u011bj\u0161\u00ed r\u016fst aktiv, pokud chcete na trhu vyd\u011bl\u00e1vat, kdy\u017e je trh dobr\u00fd, a \u201eefektivn\u011b omezovat ztr\u00e1ty\u201c, kdy\u017e je trh \u0161patn\u00fd, mo\u017en\u00e1 byste m\u011bli zv\u00e1\u017eit, zda existuj\u00ed jin\u00e9 strategie, kter\u00e9 by mohly ETF doplnit nebo nahradit.<br><br>\nPokud existuje investi\u010dn\u00ed metoda, kter\u00e1 v\u00e1m umo\u017en\u00ed m\u00edt stejn\u00fd klid a pohodl\u00ed, ale z\u00e1rove\u0148 aktivn\u011bji \u0159\u00eddit riziko \u201emaxim\u00e1ln\u00edho poklesu\u201c, cht\u011bli byste se o n\u00ed dozv\u011bd\u011bt v\u00edce?<br><br>\n\n<strong>Upout\u00e1vka na s\u00e9rii \u010dl\u00e1nk\u016f:<\/strong>&nbsp;<br>\nJi\u017e jsme jasn\u011b identifikovali probl\u00e9m. V posledn\u00edm \u010dl\u00e1nku t\u00e9to s\u00e9rie prozkoum\u00e1me investi\u010dn\u00ed model, kter\u00fd je navr\u017een tak, aby tento kl\u00ed\u010dov\u00fd probl\u00e9m \u0159e\u0161il.<br>\n<\/span><\/div><\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe72797 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"fe72797\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/mister.forex\/cs\/flexible-investment-copy-trading\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-circle-right\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8c137 0 248 111 248 248S393 504 256 504 8 393 8 256 119 8 256 8zm-28.9 143.6l75.5 72.4H120c-13.3 0-24 10.7-24 24v16c0 13.3 10.7 24 24 24h182.6l-75.5 72.4c-9.7 9.3-9.9 24.8-.4 34.3l11 10.9c9.4 9.4 24.6 9.4 33.9 0L404.3 273c9.4-9.4 9.4-24.6 0-33.9L271.6 106.3c-9.4-9.4-24.6-9.4-33.9 0l-11 10.9c-9.5 9.6-9.3 25.1.4 34.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Krom\u011b ETF existuj\u00ed i jin\u00e9 mo\u017enosti? Flexibiln\u00ed investi\u010dn\u00ed strategie kop\u00edrov\u00e1n\u00ed obchod\u016f s Mr.Forex<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf9b9d1 elementor-widget elementor-widget-template\" data-id=\"cf9b9d1\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"49848\" class=\"elementor elementor-49848\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43b58eaa e-flex e-con-boxed e-con e-parent\" data-id=\"43b58eaa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83f27ac elementor-widget elementor-widget-html translation-block\" data-id=\"83f27ac\" data-element_type=\"widget\" data-widget_type=\"html.default\"><span>\n<strong style=\"font-size: 1.2em\">\nAhoj, jsme <a href=\"https:\/\/mister.forex\/cs\/about-us\/\" target=\"_blank\" style=\"text-decoration: underline\">v\u00fdzkumn\u00fd t\u00fdm Mr.Forex<\/a><\/strong><br>\n\nObchodov\u00e1n\u00ed vy\u017eaduje nejen spr\u00e1vn\u00e9 my\u0161len\u00ed, ale tak\u00e9 u\u017eite\u010dn\u00e9 n\u00e1stroje a post\u0159ehy. Zam\u011b\u0159ujeme se na recenze glob\u00e1ln\u00edch broker\u016f, nastaven\u00ed obchodn\u00edch syst\u00e9m\u016f (MT4 \/ MT5, EA, VPS) a z\u00e1klady forexov\u00e9 praxe. Osobn\u011b v\u00e1s nau\u010d\u00edme ovl\u00e1dnout \"n\u00e1vod k obsluze\" finan\u010dn\u00edch trh\u016f a vybudovat profesion\u00e1ln\u00ed obchodn\u00ed prost\u0159ed\u00ed od nuly.<br>\n<br>\n\n<strong>Pokud chcete p\u0159ej\u00edt od teorie k praxi:<\/strong><br>\n1. Pomozte sd\u00edlet tento \u010dl\u00e1nek, aby pravdu vid\u011blo v\u00edce obchodn\u00edk\u016f.<br>\n2. P\u0159e\u010dt\u011bte si dal\u0161\u00ed \u010dl\u00e1nky t\u00fdkaj\u00edc\u00ed se <a href=\"https:\/\/mister.forex\/cs\/category\/learn-forex\/\" target=\"_blank\">v\u00fduky Forexu<\/a>.\n<\/span><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>ETF je stabiln\u00ed volbou pro d\u016fchod? Tento \u010dl\u00e1nek odhaluje skute\u010dn\u00e1 data maxim\u00e1ln\u00edho poklesu ETF sleduj\u00edc\u00edch hlavn\u00ed index b\u011bhem v\u00fdznamn\u00fdch burzovn\u00edch kriz\u00ed, kter\u00e1 v\u00e1m pomohou zhodnotit, zda dok\u00e1\u017eete sn\u00e9st takovou \u00farove\u0148 tr\u017en\u00edho rizika.<\/p>","protected":false},"author":1,"featured_media":55614,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[83],"tags":[128],"class_list":["post-55601","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn-forex","tag-no-google"],"_links":{"self":[{"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/posts\/55601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/comments?post=55601"}],"version-history":[{"count":0,"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/posts\/55601\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/media\/55614"}],"wp:attachment":[{"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/media?parent=55601"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/categories?post=55601"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mister.forex\/cs\/wp-json\/wp\/v2\/tags?post=55601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}