{"id":1115019,"date":"2024-07-18T17:29:07","date_gmt":"2024-07-18T14:29:07","guid":{"rendered":"https:\/\/www.etoro.com\/investing\/dollar-cost-averaging\/"},"modified":"2025-11-03T14:56:57","modified_gmt":"2025-11-03T12:56:57","slug":"dollar-cost-averaging","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/cs-cz\/investing\/dollar-cost-averaging\/","title":{"rendered":"Strategie pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f"},"content":{"rendered":"\n<p class=\"is-style-summary\">Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f spo\u010d\u00edv\u00e1 v pravideln\u00e9m investov\u00e1n\u00ed pevn\u00fdch \u010d\u00e1stek bez ohledu na tr\u017en\u00ed podm\u00ednky. Tato metoda zpr\u016fm\u011bruje n\u00e1kupn\u00ed ceny v pr\u016fb\u011bhu \u010dasu, \u010d\u00edm\u017e podporuje discipl\u00ednu a dlouhodob\u00fd p\u0159\u00edstup.<\/p>\n\n\n\n\n\n\n<hr class=\"wp-block-separator wp-block-separator-color-dark-grey wp-block-separator-spaces-medium wp-block-separator-weight-1\"\/>\n\n\n\n<p>Historick\u00e1 data ukazuj\u00ed, \u017ee expozice v\u016f\u010di r\u016fzn\u00fdm aktiv\u016fm, jako jsou nap\u0159. <a href=\"https:\/\/www.etoro.com\/cs-cz\/discover\/markets\/stocks\">akcie<\/a>, m\u016f\u017ee p\u0159in\u00e9st dlouhodob\u00e9 v\u00fdnosy. Ale vzhledem k tomu, \u017ee finan\u010dn\u00ed trhy jsou ze sv\u00e9 podstaty nep\u0159edv\u00eddateln\u00e9, neust\u00e1le se objevuje ot\u00e1zka, jak a kdy investovat. K vy\u0159e\u0161en\u00ed t\u00e9to situace byla vyvinuta strategie pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA). M\u016f\u017ee v\u00e1m pomoci zbavit se n\u011bkter\u00fdch emoc\u00ed i pr\u00e1ce p\u0159i investi\u010dn\u00edm rozhodov\u00e1n\u00ed, \u010d\u00edm\u017e v\u00e1m umo\u017en\u00ed <strong>\u00fasp\u011b\u0161n\u011b proch\u00e1zet nevyhnuteln\u00fdmi vzestupy a p\u00e1dy na trz\u00edch<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-etoro-tip wp-block-etoro-tip-border-yellow\"><span class=\"wp-block-etoro-tip-icon\"><\/span><div class=\"wp-block-etoro-tip-text\">\n<p><strong>Tip:<\/strong> Odstran\u011bn\u00ed emoc\u00ed z obchodov\u00e1n\u00ed je jedn\u00edm z p\u011bti zlat\u00fdch pravidel investov\u00e1n\u00ed.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Jak chapat pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA)?<\/h2>\n\n\n\n<p>Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f neboli DCA (dollar-cost averaging) je investi\u010dn\u00ed <strong>technika, kter\u00e1 spo\u010d\u00edv\u00e1 v pravideln\u00e9m investov\u00e1n\u00ed va\u0161eho kapit\u00e1lu na finan\u010dn\u00edch trz\u00edch<\/strong>. Tento p\u0159\u00edstup lze pou\u017e\u00edt na jak\u00fdkoli <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/how-to-choose-what-asset-class-to-invest-in\/\">typ aktiv<\/a> a oproti jednor\u00e1zov\u00e9mu investov\u00e1n\u00ed vy\u0161\u0161\u00ed \u010d\u00e1stky v\u00e1m m\u016f\u017ee nab\u00eddnout ur\u010dit\u00e9 v\u00fdhody.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2024\/07\/Body-Image-1_-The-mechanism-and-its-advantages.png\" alt=\"Mechanismus a jeho v\u00fdhody\" class=\"wp-image-desktop\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Mechanismus a jeho v\u00fdhody<\/h3>\n\n\n\n<p>Tento p\u0159\u00edstup spo\u010d\u00edv\u00e1 v <strong>pravideln\u00e9m investov\u00e1n\u00ed pevn\u00fdch a p\u0159edem stanoven\u00fdch \u010d\u00e1stek hotovosti do zvolen\u00fdch aktiv, <\/strong>\u010d\u00edm\u017e se zpr\u016fm\u011bruj\u00ed investi\u010dn\u00ed <a href=\"https:\/\/www.etoro.com\/cs-cz\/trading\/fees\/\">n\u00e1slady<\/a>. Nap\u0159\u00edklad pokud investujete m\u011bs\u00ed\u010dn\u011b 200 USD do stejn\u00e9ho akciov\u00e9ho n\u00e1stroje, pak v n\u011bkter\u00fdch m\u011bs\u00edc\u00edch nakoup\u00edte v\u00edce nebo m\u00e9n\u011b stejn\u00fdch akci\u00ed v d\u016fsledku kol\u00eds\u00e1n\u00ed jejich ceny v \u010dase.<\/p>\n\n\n\n<div class=\"wp-block-etoro-tip wp-block-etoro-tip-border-yellow\"><span class=\"wp-block-etoro-tip-icon\"><\/span><div class=\"wp-block-etoro-tip-text\">\n<p><strong>Tip:<\/strong> Pokud je cena vybran\u00e9 akcie vy\u0161\u0161\u00ed ne\u017e va\u0161e pravideln\u00e1 v\u00fd\u0161e investice, zva\u017ete n\u00e1kup frak\u010dn\u00edch akci\u00ed.<\/p>\n<\/div><\/div>\n\n\n\n<p>Pr\u016fm\u011brov\u00e1n\u00ed vstupn\u00edch pozic p\u0159in\u00e1\u0161\u00ed do va\u0161\u00ed investi\u010dn\u00ed strategie <strong>v\u011bt\u0161\u00ed m\u00edru discipl\u00edny a pom\u00e1h\u00e1 v\u00e1m zaujmout dlouhodob\u00fd p\u0159\u00edstup<\/strong>, kter\u00fd p\u0159e\u010dk\u00e1 kr\u00e1tkodobou volatilitu. Tento proces lze tak\u00e9 do jist\u00e9 m\u00edry <a href=\"https:\/\/finex.cz\/co-jsou-automaticke-obchodni-systemy\/\" target=\"_blank\" rel=\"noreferrer noopener\">automatizovat<\/a>, co\u017e d\u011bl\u00e1 z investov\u00e1n\u00ed relativn\u011b nen\u00e1ro\u010dn\u00fd \u00fakol a z\u00e1rove\u0148 d\u00edky tomu u\u0161et\u0159\u00edte trochu \u010dasu.<\/p>\n\n\n\n<p><strong>V pr\u016fb\u011bhu \u010dasu je mo\u017en\u00e9 investovanou \u010d\u00e1stku upravovat<\/strong>. Pokud je aktu\u00e1ln\u00ed cena aktiva ni\u017e\u0161\u00ed ne\u017e pr\u016fm\u011brn\u00e1 cena va\u0161\u00ed pozice a vy nakupujete ji\u017e n\u011bjakou dobu, m\u016f\u017ee b\u00fdt aktivum pova\u017eov\u00e1no za dlouhodob\u011b podhodnocen\u00e9. <\/p>\n\n\n\n<p>Zvy\u0161ov\u00e1n\u00ed nebo sni\u017eov\u00e1n\u00ed velikosti pravideln\u00e9 investice nemus\u00ed b\u00fdt nutn\u011b \u201edobr\u00e9\u201c nebo \u201e\u0161patn\u00e9\u201c a umo\u017e\u0148uje investor\u016fm uplatnit ur\u010dit\u00fd stupe\u0148 vlivu na strategii. Sni\u017euje v\u0161ak jednu z kl\u00ed\u010dov\u00fdch v\u00fdhod pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f \u2013 eliminaci rozhodov\u00e1n\u00ed. Rozhodov\u00e1n\u00ed na trhu m\u016f\u017ee b\u00fdt n\u00e1ro\u010dn\u00e9. <strong>P\u0159\u00edstup zalo\u017een\u00fd na pr\u016fm\u011brov\u00e1n\u00ed odstra\u0148uje riziko, \u017ee u\u010din\u00edte rozhodnut\u00ed, kter\u00e9ho byste pozd\u011bji litovali<\/strong>.<\/p>\n\n\n\n<div class=\"wp-block-etoro-tip wp-block-etoro-tip-border-yellow\"><span class=\"wp-block-etoro-tip-icon\"><\/span><div class=\"wp-block-etoro-tip-text\">\n<p><strong>Tip:<\/strong> Ztr\u00e1ty jsou nevyhnutelnou sou\u010d\u00e1st\u00ed investov\u00e1n\u00ed. Proto je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, jak se s nimi vypo\u0159\u00e1dat.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA) vs. jednor\u00e1zov\u00e9 investov\u00e1n\u00ed<\/h2>\n\n\n\n<p>Hlavn\u00ed rozd\u00edl mezi DCA a jednor\u00e1zovou investic\u00ed je \u010das. Je t\u0159eba \u0159\u00edct, \u017ee <strong>neexistuje \u017e\u00e1dn\u00e1 z\u00e1ruka, \u017ee pou\u017eit\u00ed techniky pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f povede k ni\u017e\u0161\u00ed pr\u016fm\u011brn\u00e9 cen\u011b<\/strong>, za kterou aktiva nakupujete, ne\u017e kdybyste pou\u017eili jednor\u00e1zov\u00fd p\u0159\u00edstup. <\/p>\n\n\n\n<p>Investor, kter\u00fd aktiva nakupuje jednor\u00e1zov\u011b, by koneckonc\u016f mohl nakoupit na dn\u011b b\u011bhem <strong>propadu trhu a dos\u00e1hnout velmi atraktivn\u00ed vstupn\u00ed ceny.<\/strong><\/p>\n\n\n\n<p>V\u00fdhody pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f ov\u0161em pokr\u00fdvaj\u00ed dal\u0161\u00ed mo\u017en\u00fd sc\u00e9n\u00e1\u0159, kter\u00e9mu jednor\u00e1zov\u00ed investo\u0159i \u010del\u00ed \u2013 a to, \u017ee investuj\u00ed ve\u0161kerou hotovost na vrcholu trhu. P\u0159\u00edstup zalo\u017een\u00fd na pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f investor\u016fm umo\u017e\u0148uje z\u00edskat expozici na pr\u016fm\u011brn\u00e9 \u00farovni a <strong>odbour\u00e1v\u00e1 probl\u00e9m s odkl\u00e1d\u00e1n\u00edm, kter\u00fd vede k tomu, \u017ee se investice v\u016fbec neuskute\u010dn\u00ed.<\/strong> To v\u0161e se d\u011bje d\u00edky dodr\u017eov\u00e1n\u00ed n\u011bkolika jednoduch\u00fdch z\u00e1sad.<\/p>\n\n\n\n<div class=\"wp-block-etoro-emphasis wp-block-etoro-emphasis-border-green\">\n<p>Kl\u00ed\u010dov\u00fdm faktorem, kter\u00fd je t\u0159eba m\u00edt na pam\u011bti, je, \u017ee pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f funguje, pokud se dr\u017e\u00edte pl\u00e1nu.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Jak za\u010d\u00edt se strategi\u00ed pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA)?<\/h2>\n\n\n\n<p>P\u0159i implementaci <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/investment-strategies\/\">strategie<\/a> pr\u016fm\u011brov\u00e1n\u00ed se zam\u011b\u0159te p\u0159edev\u0161\u00edm na pl\u00e1nov\u00e1n\u00ed. Investo\u0159i, kte\u0159\u00ed nemaj\u00ed moc voln\u00e9ho \u010dasu, jist\u011b ocen\u00ed, \u017ee <strong>v\u011bt\u0161ina pr\u00e1ce spojen\u00e9 s pr\u016fm\u011brov\u00e1n\u00edm n\u00e1klad\u016f bude odvedena je\u0161t\u011b b\u011bhem jej\u00edho pl\u00e1nov\u00e1n\u00ed<\/strong> \u2013 d\u0159\u00edve, ne\u017e do n\u00ed vlo\u017e\u00edte prvn\u00ed prost\u0159edky. <\/p>\n\n\n\n<p>Je sice d\u016fle\u017eit\u00e9 sv\u00e9 pozice pr\u016fb\u011b\u017en\u011b sledovat, ale techniky vyu\u017e\u00edvan\u00e9 p\u0159i pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f <strong>jsou relativn\u011b snadno realizovateln\u00e9.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2024\/07\/Body-Image-2_-Implementing-dollar-cost-averaging.png\" alt=\"Jak za\u010d\u00edt se strategi\u00ed pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA)?\" class=\"wp-image-desktop\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Praktick\u00e9 kroky a \u00favahy<\/h3>\n\n\n\n<p>Prvn\u00ed \u010d\u00e1st procesu implementace zahrnuje zhodnocen\u00ed va\u0161ich osobn\u00edch investi\u010dn\u00edch c\u00edl\u016f a investi\u010dn\u00edch dovednost\u00ed. Je t\u0159eba pamatovat na to, \u017ee i kdy\u017e pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f m\u016f\u017ee neutralizovat n\u011bkter\u00e9 dopady volatility trhu, <strong>v\u00fd\u0161e hotovosti, kterou jste schopni investovat, se m\u016f\u017ee zm\u011bnit<\/strong>.<\/p>\n\n\n\n<p>\u017divotn\u00ed ud\u00e1losti, jako jsou narozen\u00ed potomka \u010di po\u0159\u00edzen\u00ed nov\u00e9ho bydlen\u00ed, mohou m\u00edt vliv na v\u00fd\u0161i kapit\u00e1lu, kter\u00fd na investice budete schopni a ochotni vyhradit. To by bez zabudovan\u00fdch toleranc\u00ed vedlo ke zkreslen\u00ed v\u00fdsledk\u016f va\u0161\u00ed strategie pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f.<\/p>\n\n\n\n<div class=\"wp-block-etoro-tip wp-block-etoro-tip-border-yellow\"><span class=\"wp-block-etoro-tip-icon\"><\/span><div class=\"wp-block-etoro-tip-text\">\n<p><strong>Tip:<\/strong> D\u00edky pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f mohou i investo\u0159i s mal\u00fdm kapit\u00e1lem z\u00edskat p\u0159\u00edstup k trh\u016fm, ani\u017e by museli na investice \u0161et\u0159it.<\/p>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Volba spr\u00e1vn\u00e9ho intervalu a \u010d\u00e1stky<\/h3>\n\n\n\n<p>Dlouhodob\u00e9 cenov\u00e9 grafy sice zn\u00e1zor\u0148uj\u00ed z\u0159ejm\u00e9 v\u00fdhody investov\u00e1n\u00ed, ale v\u017edy existuje mo\u017enost, \u017ee o sv\u00e9 pen\u00edze p\u0159ijdete. Ve\u0161ker\u00e1 <strong>hotovost, kterou pou\u017eijete k n\u00e1kupu finan\u010dn\u00edch n\u00e1stroj\u016f, by m\u011bla b\u00fdt nadbytkem toho, co pot\u0159ebujete k financov\u00e1n\u00ed ka\u017edodenn\u00edch pot\u0159eb<\/strong>. <\/p>\n\n\n\n<p>Charakter va\u0161ich osobn\u00edch p\u0159\u00edjm\u016f ovlivn\u00ed tak\u00e9 interval, v jak\u00e9m nakupujete aktiva. M\u00edra jistoty se bude li\u0161it u OSV\u010c a zam\u011bstnanc\u016f, co se p\u0159\u00edjm\u016f t\u00fd\u010de. Z\u00e1rove\u0148 se pravd\u011bpodobn\u011b bude li\u0161it mno\u017estv\u00ed pen\u011bz, kter\u00e9 budou m\u00edt k dispozici pro investov\u00e1n\u00ed na trz\u00edch. <strong>Pokud si nastav\u00edte p\u0159\u00edli\u0161 vysokou \u010d\u00e1stku pravideln\u00fdch investic, kter\u00e1 pro v\u00e1s nebude dlouhodob\u011b udr\u017eiteln\u00e1, bude proces pr\u016fm\u011brov\u00e1n\u00ed m\u00e9n\u011b efektivn\u00ed.<\/strong><\/p>\n\n\n\n<p>Proto\u017ee c\u00edlem je zpr\u016fm\u011brovat cenu co nejv\u00edce, m\u011bli byste se soust\u0159edit na co nejpravideln\u011bj\u0161\u00ed investov\u00e1n\u00ed. Denn\u00ed investov\u00e1n\u00ed je v\u011bt\u0161inou p\u0159ehnan\u00e9; ve v\u011bt\u0161in\u011b <strong>p\u0159\u00edpad\u016f se pova\u017euje za optimum <\/strong><a href=\"https:\/\/help.etoro.com\/s\/article\/What-are-Recurring-Deposits?language=cs\"><strong>m\u011bs\u00ed\u010dn\u00ed interval<\/strong><\/a><strong>,<\/strong> kter\u00fd se p\u0159ekr\u00fdv\u00e1 s pravideln\u00fdm p\u0159\u00edjmem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak vyu\u017e\u00edt pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA) p\u0159i r\u016fzn\u00fdch podm\u00ednk\u00e1ch na trhu?<\/h2>\n\n\n\n<p>Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f lze pou\u017e\u00edt v r\u016fzn\u00fdch tr\u017en\u00edch podm\u00ednk\u00e1ch. <strong>Jeho c\u00edlem je kop\u00edrovat dlouhodob\u00fd <\/strong><a href=\"https:\/\/www.investicniweb.cz\/vyvoj-trhu\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>v\u00fdvoj trhu<\/strong><\/a>, proto si nemus\u00edte p\u0159\u00edli\u0161 d\u011blat hlavu s anal\u00fdzou a jednodu\u0161e m\u016f\u017eete tomuto procesu v\u011b\u0159it.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2024\/07\/Body-Image-3_-Long-term-implications-of-dollar-cost-averaging.png\" alt=\"Jak vyu\u017e\u00edt pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f (DCA) p\u0159i r\u016fzn\u00fdch podm\u00ednk\u00e1ch na trhu?\" class=\"wp-image-desktop\"\/><\/figure>\n\n\n\n<p>Mnoho investor\u016f, kte\u0159\u00ed pou\u017e\u00edvaj\u00ed metodu DCA, se zam\u011b\u0159uje na akciov\u00e9 trhy a <strong><a href=\"https:\/\/www.etoro.com\/cs-cz\/discover\/markets\/etf\">ETF<\/a> (fondy obchodovan\u00e9 na burze)<\/strong>. Je to \u010d\u00e1ste\u010dn\u011b proto, \u017ee tyto trhy maj\u00ed p\u016fsobivou dlouhodobou historickou v\u00fdkonnost, jsou relativn\u011b levn\u00e9 na obchodov\u00e1n\u00ed a techniky pr\u016fm\u011brov\u00e1n\u00ed jsou vhodn\u011bj\u0161\u00ed pro investory s dlouhodob\u00fdm investi\u010dn\u00edm horizontem.<\/p>\n\n\n\n<p>ETF nab\u00edzej\u00ed okam\u017eitou <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/how-to-build-a-diversified-portfolio\/\">diverzifikaci<\/a>, proto\u017ee v nich najdete cel\u00fd ko\u0161 aktiv. Pr\u00e1v\u011b <strong>diverzifikace<\/strong> <strong>a dlouhodob\u00e9 investov\u00e1n\u00ed se \u010dasto doporu\u010duje<\/strong> jako zp\u016fsob, jak se vypo\u0159\u00e1dat s nevyhnuteln\u00fdmi vzestupy a p\u00e1dy finan\u010dn\u00edch trh\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vypo\u0159\u00e1dejte se s b\u00fd\u010d\u00edmi i medv\u011bd\u00edmi trhy<\/h3>\n\n\n\n<p>Kl\u00ed\u010dov\u00fdm faktorem, kter\u00fd je t\u0159eba m\u00edt na pam\u011bti, je, \u017ee <strong>pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f funguje, pokud se dr\u017e\u00edte pl\u00e1nu<\/strong>. To plat\u00ed i v p\u0159\u00edpad\u011b, \u017ee jsou trhy v krizi a hodnota va\u0161eho st\u00e1vaj\u00edc\u00edho portfolia kles\u00e1. V dob\u011b, kdy v\u0161ichni ostatn\u00ed prod\u00e1vaj\u00ed, toti\u017e m\u016f\u017eete z\u00edskat aktiva za ni\u017e\u0161\u00ed ceny. <\/p>\n\n\n\n<p>B\u011bhem <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/bull-vs-bear-markets\/\">b\u00fd\u010d\u00edch trh\u016f<\/a> v\u00e1s naopak m\u016f\u017ee uklid\u0148ovat, \u017ee hodnota va\u0161eho celkov\u00e9ho majetku roste, i kdy\u017e ka\u017ed\u00e1 nov\u00e1 vstupn\u00ed cena m\u016f\u017ee b\u00fdt vy\u0161\u0161\u00ed ne\u017e dlouhodob\u00fd pr\u016fm\u011br va\u0161eho portfolia. A\u0165 u\u017e trh sm\u011b\u0159uje jak\u00fdmkoli sm\u011brem, <strong>jste chr\u00e1n\u011bni p\u0159ed n\u011bkter\u00fdmi emocemi, kter\u00e9 by mohly v\u00e9st k tomu, \u017ee se odch\u00fdl\u00edte od sv\u00e9 strategie.<\/strong> <\/p>\n\n\n\n<div class=\"wp-block-etoro-tip wp-block-etoro-tip-border-yellow\"><span class=\"wp-block-etoro-tip-icon\"><\/span><div class=\"wp-block-etoro-tip-text\">\n<p><strong>Tip:<\/strong> \u00dasp\u011b\u0161n\u00e9 dlouhodob\u00e9 investov\u00e1n\u00ed z\u00e1vis\u00ed sp\u00ed\u0161e na \u010dase str\u00e1ven\u00e9m na trhu ne\u017e na na\u010dasov\u00e1n\u00ed trhu.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 m\u00e1 pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f dlouhodob\u00e9 d\u016fsledky?<\/h2>\n\n\n\n<p>Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f umo\u017e\u0148uje p\u0159idat dal\u0161\u00ed vrstvu sofistikovanosti k jednomu z nejobl\u00edben\u011bj\u0161\u00edch investi\u010dn\u00edch p\u0159\u00edstup\u016f \u2013 <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/passive-and-dividends\/\">kup a dr\u017e<\/a>. Je sice m\u00e9n\u011b pravd\u011bpodobn\u00e9, \u017ee p\u0159ekon\u00e1te pr\u016fm\u011brn\u00fd v\u00fdnos trhu investov\u00e1n\u00edm velk\u00fdch \u010d\u00e1stek v dob\u011b, kdy jsou ceny vysoko,<strong> odstran\u00edte ov\u0161em riziko n\u00e1kupu na vrcholu trhu.<\/strong><\/p>\n\n\n\n<p>Sta\u010d\u00ed si na za\u010d\u00e1tku napl\u00e1novat, kolik si m\u016f\u017eete dovolit investovat,<strong> a nastavit pravideln\u00fd investi\u010dn\u00ed program, kter\u00fd bude spl\u0148ovat va\u0161e c\u00edle.<\/strong> <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Shrnut\u00ed<\/h2>\n\n\n\n<p>Mechanismy pou\u017e\u00edvan\u00e9 p\u0159i investov\u00e1n\u00ed pomoc\u00ed pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f jsou pom\u011brn\u011b jednoduch\u00e9 a ve skute\u010dnosti mohou cel\u00fd investi\u010dn\u00ed proces u\u010dinit u\u017eivatelsky p\u0159\u00edv\u011btiv\u011bj\u0161\u00edm. Z\u00e1rove\u0148 mohou m\u00edt v\u00fdznamn\u00e9 dopady, proto\u017ee <strong>tato technika pom\u00e1h\u00e1 investor\u016fm dos\u00e1hnout dvou hlavn\u00edch c\u00edl\u016f \u00fasp\u011b\u0161n\u00e9ho investov\u00e1n\u00ed<\/strong>. <\/p>\n\n\n\n<p>Podporuje investory v tom, <strong>aby za\u010dali z\u00edsk\u00e1vat expozici na trz\u00edch co nejd\u0159\u00edve<\/strong>, a m\u00e1 zabudovan\u00e9 funkce, kter\u00e9 investor\u016fm pom\u00e1haj\u00ed dr\u017eet se sv\u00e9ho pl\u00e1nu a p\u0159ekonat kr\u00e1tkodob\u00e9 v\u00fdkyvy.<\/p>\n\n\n\n<p>Nav\u0161tivte <strong><a href=\"https:\/\/www.etoro.com\/cs-cz\/academy\/\">Akademii eToro<\/a><\/strong> a zjist\u011bte v\u00edce o pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f a dal\u0161\u00edch dlouhodob\u00fdch investi\u010dn\u00edch strategi\u00edch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Test<\/h2>\n\n\n\n<div class=\"wp-block-etoro-quizzes\">\n<div class=\"wp-block-etoro-quiz\" data-answer=\"1\"><div class=\"wp-block-etoro-quiz-body\"><div class=\"wp-block-etoro-quiz-question\">Jak\u00fd interval investov\u00e1n\u00ed se u strategie pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f pova\u017euje za optim\u00e1ln\u00ed?<\/div>\n<div class=\"wp-block-etoro-quiz-item\">Denn\u00ed<\/div>\n\n\n\n<div class=\"wp-block-etoro-quiz-item\">M\u011bs\u00ed\u010dn\u00ed<\/div>\n\n\n\n<div class=\"wp-block-etoro-quiz-item\">Ro\u010dn\u00ed<\/div>\n\n\n\n<div class=\"wp-block-etoro-quiz-item\">Nepravideln\u00fd<\/div>\n<\/div><div class=\"wp-block-etoro-quiz-result\">\u00a0<\/div><\/div>\n<\/div>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">\u010cast\u00e9 dotazy<\/h2>\n\n\n\n<dl class=\"wp-block-etoro-faq\">\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Jak chr\u00e1n\u00ed pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f investory p\u0159ed volatilitou trhu?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Kr\u00e1tkodob\u00e9 cenov\u00e9 propady jsou ve v\u00fdsledku pro dlouhodob\u00e9 investory v\u00fdhodn\u00e9, pokud si zachovaj\u00ed nadhled a investuj\u00ed s vyu\u017eit\u00edm p\u0159\u00edstupu \u201em\u00e1lo a \u010dasto\u201c. Obchody za\u00fa\u010dtovan\u00e9 b\u011bhem medv\u011bd\u00edho trhu pomohou sn\u00ed\u017eit celkovou pr\u016fm\u011brnou vstupn\u00ed cenu portfolia. Pou\u017e\u00edv\u00e1n\u00ed pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f tak, aby byly extr\u00e9mn\u00ed tr\u017en\u00ed ud\u00e1losti sp\u00ed\u0161e v\u00edt\u00e1ny, ne\u017e aby se jich investo\u0159i ob\u00e1vali, jim m\u016f\u017ee pomoci udr\u017eet si pozice a dos\u00e1hnout sv\u00fdch <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/why-should-i-start-investing\/\">dlouhodob\u00fdch c\u00edl\u016f<\/a>.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Lze pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f pou\u017e\u00edt na jak\u00fdkoli typ investice?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f lze pou\u017e\u00edt na jak\u00e9mkoli trhu. Je obl\u00edben\u00e9 mezi investory, kte\u0159\u00ed se zam\u011b\u0159uj\u00ed na akcie, proto\u017ee tato skupina aktiv je zn\u00e1m\u00e1 t\u00edm, \u017ee generuje dlouhodob\u00e9 zisky, kter\u00e9 jsou p\u0159eru\u0161ov\u00e1ny kr\u00e1tkodob\u00fdmi <a href=\"https:\/\/www.etoro.com\/cs-cz\/news-and-analysis\/etoro-updates\/what-is-volatility-and-why-is-it-important-for-investors\/\">cenov\u00fdmi v\u00fdkyvy<\/a>. Pokud d\u00e1v\u00e1te p\u0159ednost spekulativn\u011bj\u0161\u00edm kr\u00e1tkodob\u00fdm strategi\u00edm nebo m\u00e1te rozs\u00e1hl\u00e9 znalosti ur\u010dit\u00e9ho odv\u011btv\u00ed, pak m\u016f\u017ee b\u00fdt lep\u0161\u00ed volbou \u010dasov\u00e1n\u00ed trhu ne\u017e pr\u016fm\u011brov\u00e1n\u00ed pozic.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Jak\u00e9 jsou kl\u00ed\u010dov\u00e9 faktory, kter\u00e9 je t\u0159eba vz\u00edt v \u00favahu p\u0159i sestavov\u00e1n\u00ed pl\u00e1nu pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f spo\u010d\u00edv\u00e1 ve schopnosti investovat stejnou \u010d\u00e1stku pen\u011bz po del\u0161\u00ed \u010dasov\u00e9 obdob\u00ed. Investo\u0159i by se m\u011bli ujistit, \u017ee \u010d\u00e1stka jejich osobn\u00edch p\u0159\u00edjm\u016f alokovan\u00e1 do tohoto syst\u00e9mu je dlouhodob\u011b udr\u017eiteln\u00e1, a stanovit si pl\u00e1n investov\u00e1n\u00ed tak \u010dasto, jak je to prakticky mo\u017en\u00e9. Ultim\u00e1tn\u00edm c\u00edlem je <a href=\"https:\/\/www.etoro.com\/cs-cz\/investing\/financial-independence\/\">finan\u010dn\u00ed nez\u00e1vislost<\/a>.<\/p>\n<\/dd><\/div>\n<\/dl>\n\n\n\n\t\t<style>\n\t\t\t.rtl .etoro-block-shortcode-disclaimer {\n\t\t\t\ttext-align:right;\n\t\t\t}\n\t\t\t.etoro-block-shortcode-disclaimer {\n\t\t\t\tmargin-bottom:18px;\n\t\t\t\ttext-align:left;\n\t\t\t}\n\t\t\t.etoro-block-shortcode-disclaimer p{\n\t\t\t\tfont-size: 12px;\n\t\t\t\tline-height: 18px;\n\t\t\t}\n\t\t\t@media (min-width: 768px) {\n\t\t\t\t.etoro-block-shortcode-disclaimer {\n\t\t\t\t\tmax-width:1176px;\n\t\t\t\t\ttext-align:center;\n\t\t\t\t}\n\t\t\t\t.etoro-block-shortcode-disclaimer p {\n\t\t\t\t\tfont-size: 14px;\n\t\t\t\t\tline-height: 20px;\n\t\t\t\t}\n\t\t\t}\n\t\t<\/style>\n\t\t<div class='etoro-block-shortcode-disclaimer'><p>Tyto informace slou\u017e\u00ed pouze pro vzd\u011bl\u00e1vac\u00ed \u00fa\u010dely a nelze je pova\u017eovat za investi\u010dn\u00ed poradenstv\u00ed, osobn\u00ed doporu\u010den\u00ed, nab\u00eddku nebo v\u00fdzvu k n\u00e1kupu \u010di prodeji jak\u00fdchkoli finan\u010dn\u00edch n\u00e1stroj\u016f.<\/p>\n<p>Tento materi\u00e1l byl p\u0159ipraven bez ohledu na konkr\u00e9tn\u00ed investi\u010dn\u00ed c\u00edle nebo finan\u010dn\u00ed situaci a nebyl p\u0159ipraven v souladu s pr\u00e1vn\u00edmi a regula\u010dn\u00edmi po\u017eadavky na podporu nez\u00e1visl\u00e9ho v\u00fdzkumu.<\/p>\n<p><strong>Ne v\u0161echny zmi\u0148ovan\u00e9 finan\u010dn\u00ed n\u00e1stroje a slu\u017eby jsou nab\u00edzeny na eToro<\/strong> a jak\u00e9koli odkazy na minulou v\u00fdkonnost finan\u010dn\u00edho n\u00e1stroje, indexu nebo investi\u010dn\u00edho produktu nejsou a nem\u011bly by b\u00fdt pova\u017eov\u00e1ny za spolehliv\u00fd ukazatel budouc\u00edch v\u00fdsledk\u016f. <strong>Dostupnost v\u0161ech v\u00fd\u0161e uveden\u00fdch produkt\u016f a slu\u017eeb se m\u016f\u017ee li\u0161it v z\u00e1vislosti na jurisdikci a zemi.<\/strong><\/p>\n<p>eToro nezaru\u010duje p\u0159esnost ani \u00faplnost obsahu tohoto pr\u016fvodce a nep\u0159eb\u00edr\u00e1 v tomto ohledu \u017e\u00e1dnou odpov\u011bdnost. P\u0159ed vlo\u017een\u00edm kapit\u00e1lu se ujist\u011bte, \u017ee rozum\u00edte rizik\u016fm spojen\u00fdm s obchodov\u00e1n\u00edm. Nikdy neriskujte v\u00edce, ne\u017e jste p\u0159ipraveni ztratit.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f spo\u010d\u00edv\u00e1 v pravideln\u00e9m investov\u00e1n\u00ed pevn\u00fdch \u010d\u00e1stek bez ohledu na tr\u017en\u00ed podm\u00ednky. Tato metoda zpr\u016fm\u011bruje n\u00e1kupn\u00ed ceny v pr\u016fb\u011bhu \u010dasu, \u010d\u00edm\u017e podporuje discipl\u00ednu a dlouhodob\u00fd p\u0159\u00edstup. Historick\u00e1 data ukazuj\u00ed, \u017ee expozice v\u016f\u010di r\u016fzn\u00fdm aktiv\u016fm, jako jsou nap\u0159. akcie, m\u016f\u017ee p\u0159in\u00e9st dlouhodob\u00e9 v\u00fdnosy. Ale vzhledem k tomu, \u017ee finan\u010dn\u00ed trhy jsou ze sv\u00e9 podstaty nep\u0159edv\u00eddateln\u00e9,&hellip;<\/p>\n","protected":false},"author":96,"featured_media":1115021,"parent":19761,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-1115019","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<title>Pochopte v\u00fdznam pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f pro investov\u00e1n\u00ed<\/title>\n<meta name=\"description\" content=\"Zjist\u011bte, jak pou\u017e\u00edvat pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f jako dlouhodobou investi\u010dn\u00ed strategii. Pochopte, jak\u00e9 v\u00fdhody p\u0159in\u00e1\u0161\u00ed a jak v\u00e1m m\u016f\u017ee pomoci dos\u00e1hnout finan\u010dn\u00edch c\u00edl\u016f.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etoro.com\/cs-cz\/wp-json\/wp\/v2\/pages\/1115019\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pochopte v\u00fdznam pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f pro investov\u00e1n\u00ed\" \/>\n<meta property=\"og:description\" content=\"Zjist\u011bte, jak pou\u017e\u00edvat pr\u016fm\u011brov\u00e1n\u00ed n\u00e1klad\u016f jako dlouhodobou investi\u010dn\u00ed strategii. 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