{"id":12274,"date":"2026-02-25T10:26:54","date_gmt":"2026-02-25T09:26:54","guid":{"rendered":"https:\/\/skippay.cz\/blog\/?p=12274"},"modified":"2026-02-23T14:01:51","modified_gmt":"2026-02-23T13:01:51","slug":"5-situaci-kdy-se-investice-fakt-vyplati","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/5-situaci-kdy-se-investice-fakt-vyplati\/","title":{"rendered":"5\u00a0situac\u00ed,\u00a0kdy\u00a0se investice fakt vyplat\u00ed (i kdy\u017e\u00a0pos\u00edl\u00e1te\u00a0jen p\u00e1r stovek)\u00a0"},"content":{"rendered":"\n<p>Mo\u017en\u00e1 si \u0159\u00edk\u00e1te: \u201eCo zm\u016f\u017ee p\u011btistovka m\u011bs\u00ed\u010dn\u011b? Ta\u00a0m\u011b p\u0159ece nespas\u00ed.\u201c\u00a0Je pravda, \u017ee vilu v\u202fKaribiku si za v\u00fdnosy\u00a0z\u202ftakov\u00e9 investice nejsp\u00ed\u0161 nekoup\u00edte.\u00a0<strong>Pravideln\u00e9\u00a0investov\u00e1n\u00ed drobn\u00fdch\u00a0<\/strong>v\u00e1m ale\u00a0dok\u00e1\u017ee\u00a0pomoct hned v\u202fn\u011bkolika situac\u00edch. Mrkn\u011bte\u00a0na\u00a0konkr\u00e9tn\u00ed p\u0159\u00edklady,\u00a0<strong>jak se\u00a0m\u016f\u017eou\u00a0i\u00a0p\u00e1rkorunov\u00e9\u00a0investice\u00a0vyplatit<\/strong>\u00a0a kdy se hod\u00ed na\u00a0n\u011b\u00a0vsadit.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Efekt sn\u011bhov\u00e9 koule\u00a0<\/strong><\/h2>\n\n\n\n<p>P\u0159edstavte si, \u017ee\u00a0<strong>ka\u017ed\u00fd m\u011bs\u00edc\u00a0investujete\u00a0500 K\u010d<\/strong>. To jsou\u00a0\u010dty\u0159i\u00a0lep\u0161\u00ed\u00a0kafe\u00a0nebo\u00a0dv\u011b\u00a0menu v restauraci. Pokud je d\u00e1te do pras\u00e1tka (nebo na b\u011b\u017en\u00fd \u00fa\u010det), za 20 let tam najdete\u00a0<strong>120 000 K\u010d<\/strong>. To\u00a0by nebylo tak zl\u00e9, kdyby ale\u00a0velkou \u010d\u00e1st \u00faspor neukousla <a href=\"https:\/\/skippay.cz\/blog\/vypocet-ciste-mzdy-2021-o-kolik-si-polepsite\/\">inflace<\/a>.\u00a0<\/p>\n\n\n\n<p><strong>Chyt\u0159ej\u0161\u00ed varianta:<\/strong>\u00a0Pokud vyu\u017eijete\u00a0<strong>investov\u00e1n\u00ed\u00a0mal\u00fdch \u010d\u00e1stek<\/strong>\u00a0a vlo\u017e\u00edte tu p\u011btistovku do dynami\u010dt\u011bj\u0161\u00edho portfolia (nap\u0159. ETF fondy s pr\u016fm\u011brn\u00fdm ro\u010dn\u00edm v\u00fdnosem kolem 8 %),\u00a0d\u00edky tzv. slo\u017een\u00e9mu \u00faro\u010den\u00ed se v\u00e1m v\u202fpr\u016fb\u011bhu \u010dasu kr\u00e1sn\u011b zhodnot\u00ed. Mrkn\u011bte sami:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vklad:<\/strong>\u00a0120 000 K\u010d (va\u0161e pen\u00edze)\u00a0<\/li>\n\n\n\n<li><strong>V\u00fdsledek po 20 letech:<\/strong>\u00a0Cca 294\u00a0000 K\u010d\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Rozd\u00edl je v\u00edc\u00a0ne\u017e\u00a0170 tis\u00edc korun, kter\u00e9 jste nevyd\u0159eli v pr\u00e1ci,\u00a0ale\u00a0va\u0161e pen\u00edze je samy vyd\u011blaly. A to u\u017e je slu\u0161n\u00fd z\u00e1klad\u00a0t\u0159eba\u00a0na\u00a0nov\u00e9 auto nebo rekonstrukci.\u00a0<\/p>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">Ne\u010dekejte, a\u017e budete ve vat\u011b. Nejlep\u0161\u00ed \u010das, kdy za\u010d\u00edt investovat (i bez zku\u0161enost\u00ed), byl v\u010dera. Ten druh\u00fd nejlep\u0161\u00ed je pr\u00e1v\u011b te\u010f. \u010cas je toti\u017e v investic\u00edch d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e v\u00fd\u0161e vkladu.<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Investice do hlavy\u00a0m\u00e1 nejlep\u0161\u00ed \u00farok na trhu\u00a0<\/strong><\/h2>\n\n\n\n<p>Kam ulo\u017eit pen\u00edze, aby vyd\u011bl\u00e1valy nejv\u00edc?\u00a0<strong>Do sebe.<\/strong>\u00a0P\u00e1r\u00a0tis\u00edc\u00a0investovan\u00fdch do vzd\u011bl\u00e1n\u00ed\u00a0nebo rozvoje\u00a0dovednost\u00ed\u00a0se v\u00e1m\u00a0m\u016f\u017ee\u00a0vcelku\u00a0brzy\u00a0(a\u00a0klidn\u011b\u00a0ston\u00e1sobn\u011b)\u00a0vr\u00e1tit.\u00a0<\/p>\n\n\n\n<p>P\u0159estavte si, \u017ee\u00a0pracujete\u00a0v administrativ\u011b, ale nebav\u00ed\u00a0v\u00e1s\u00a0to.\u00a0R\u00e1di byste si\u00a0<strong>koupili\u00a0online kurz\u00a0pr\u00e1ce s\u202fum\u011blou inteligenc\u00ed<\/strong>, ale takov\u00fd v\u00fddaj je pro v\u00e1s v\u202ftuhle chv\u00edli\u00a0moc\u00a0velk\u00fd.\u00a0<\/p>\n\n\n\n<p><strong>\u0158e\u0161en\u00ed:<\/strong>\u00a0Investujte\u00a0<strong>pr\u016fb\u011b\u017en\u011b\u00a0mal\u00e9 pen\u00edze\u00a0do fondu<\/strong>, z\u00a0n\u011bho\u017e\u00a0si\u00a0budete hradit vzd\u011bl\u00e1v\u00e1n\u00ed. Je to zp\u016fsob spo\u0159en\u00ed, kter\u00e9 se t\u0159eba nezhodnot\u00ed v\u202f\u010dase\u00a0tolik jako dlouhodob\u00e9 investice\u00a0(proto\u017ee budete pen\u00edze pr\u016fb\u011b\u017en\u011b i vyb\u00edrat), ale\u00a0pom\u016f\u017ee\u00a0v\u00e1m\u00a0zv\u00fd\u0161it va\u0161i hodnotu na pracovn\u00edm trhu:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zaplat\u00edte si\u00a0nap\u0159\u00edklad rekvalifika\u010dn\u00ed\u00a0<strong>kurz za 15 000 K\u010d<\/strong>.\u00a0<\/li>\n\n\n\n<li>D\u00edky\u00a0n\u011bmu\u00a0z\u00edsk\u00e1te\u00a0<strong>lep\u0161\u00ed pr\u00e1ci\u00a0<\/strong>nebo pov\u00fd\u0161en\u00ed.\u00a0<\/li>\n\n\n\n<li>Va\u0161e mzda\u00a0stoupne\u00a0t\u0159eba\u00a0o\u00a0<strong>5\u00a0000 K\u010d m\u011bs\u00ed\u010dn\u011b<\/strong>.\u00a0<\/li>\n\n\n\n<li>Hned\u00a0\u010dtvrt\u00fd\u00a0m\u011bs\u00edc\u00a0budete\u00a0v plusu\u00a0a ka\u017ed\u00fd dal\u0161\u00ed rok\u00a0v\u00e1m\u00a0tato investice p\u0159inese\u00a0<strong>60 000 K\u010d nav\u00edc<\/strong>.\u00a0<\/li>\n<\/ul>\n\n\n<div class=\"su-box su-box-style-default\" id=\"\" style=\"border-color:#009f63;border-radius:3px;max-width:none\"><div class=\"su-box-title\" style=\"background-color:#19D296;color:#FFFFFF;border-top-left-radius:1px;border-top-right-radius:1px\">TIP!<\/div><div class=\"su-box-content su-u-clearfix su-u-trim\" style=\"border-bottom-left-radius:1px;border-bottom-right-radius:1px\">Pro pr\u016fb\u011b\u017en\u00e9 investov\u00e1n\u00ed mal\u00fdch \u010d\u00e1stek m\u016f\u017eete vyu\u017e\u00edt Investice v\u202fr\u00e1mci bal\u00ed\u010dku MAXI. P\u0159i ka\u017ed\u00e9 platb\u011b se Skip Pay se \u010d\u00e1stka zaokrouhl\u00ed na hodnotu, kterou si sami ur\u010d\u00edte, a p\u0159ebyte\u010dn\u00e9 pen\u00edze se automaticky chyt\u0159e investuj\u00ed. <\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3.\u00a0Hlad\u0161\u00ed start pro d\u011bti\u00a0<\/strong><\/h2>\n\n\n\n<p>M\u00e1te doma mal\u00e9ho \u0161punta?\u00a0Za\u010dn\u011bte mu\u00a0pos\u00edlat\u00a0<strong>p\u00e1r stovek\u00a0m\u011bs\u00ed\u010dn\u011b<\/strong>\u00a0do investi\u010dn\u00edho produktu\u00a0a pokra\u010dujte v\u202ftom a\u017e do jeho osmn\u00e1ctin.\u00a0<\/p>\n\n\n\n<p>Zat\u00edmco na spo\u0159ic\u00edm \u00fa\u010dtu by se pen\u00edze sp\u00ed\u0161 jen tak povalovaly a ztr\u00e1cely hodnotu, v investic\u00edch mohou p\u0159i rozumn\u00e9m zhodnocen\u00ed\u00a0<strong>vyr\u016fst na \u010d\u00e1stku, kter\u00e1 hrav\u011b pokryje\u00a0t\u0159eba<\/strong>:\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>auto\u0161kolu,\u00a0<\/li>\n\n\n\n<li>prvn\u00ed ojet\u00e9 auto na otrk\u00e1n\u00ed,\u00a0<\/li>\n\n\n\n<li>startovn\u00e9 na vysokou \u0161kolu.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>To v\u0161echno za p\u00e1r ka\u010dek, kter\u00e9 byste jinak utratili\u00a0nap\u0159\u00edklad\u00a0za hra\u010dky\u00a0nebo sladkosti.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4.\u00a0Stopka zlozvyk\u016fm, co lezou do pen\u011bz\u00a0<\/strong><\/h2>\n\n\n\n<p>Investov\u00e1n\u00ed\u00a0pro za\u010d\u00e1te\u010dn\u00edky\u00a0m\u00e1 jeden skv\u011bl\u00fd vedlej\u0161\u00ed efekt\u00a0\u2013\u00a0<strong>u\u010d\u00ed\u00a0v\u00e1s\u00a0finan\u010dn\u00ed discipl\u00edn\u011b<\/strong>.\u00a0A kdy\u017e pak\u00a0s\u202fuspokojen\u00edm sledujete\u00a0stoupaj\u00edc\u00ed k\u0159ivku v\u00fdnos\u016f, motivuje v\u00e1s to\u00a0<strong>k\u202fje\u0161t\u011b efektivn\u011bj\u0161\u00edmu\u00a0nakl\u00e1d\u00e1n\u00ed s pen\u011bzi<\/strong>.<strong>\u00a0<\/strong>\u00a0<\/p>\n\n\n\n<p>Schv\u00e1ln\u011b si to zkuste.&nbsp;V\u00edte, \u017ee nap\u0159\u00edklad&nbsp;ka\u017ed\u00e9 r\u00e1no&nbsp;utr\u00e1c\u00edte za&nbsp;r\u00e1doby&nbsp;kafe&nbsp;na benz\u00ednce&nbsp;50 K\u010d. Zkuste&nbsp;sv\u00e9 r\u00e1no&nbsp;<strong>lehce&nbsp;p\u0159eorganizovat<\/strong>&nbsp;a&nbsp;uva\u0159it si&nbsp;k\u00e1vu&nbsp;je\u0161t\u011b doma nebo&nbsp;a\u017e v\u202fpr\u00e1ci.&nbsp;U\u0161et\u0159enou pades\u00e1tku&nbsp;<strong>si po\u0161lete do investic<\/strong>&nbsp;a&nbsp;hrd\u011b&nbsp;sledujte, jak se j\u00ed da\u0159\u00ed.&nbsp;<\/p>\n\n\n\n<p>Kdy\u017e to takhle ud\u011bl\u00e1te&nbsp;ka\u017ed\u00fd pracovn\u00ed den&nbsp;po cel\u00fd m\u011bs\u00edc,&nbsp;<strong>investujete pr\u016fm\u011brn\u011b 1\u202f000 K\u010d<\/strong>&nbsp;\u2013 a to u\u017e takov\u00e9 drobn\u00e9 nejsou.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Klidn\u011bj\u0161\u00ed span\u00ed (k nezaplacen\u00ed)\u00a0<\/strong><\/h2>\n\n\n\n<p>Tohle&nbsp;se sice ned\u00e1 vy\u010d\u00edslit, ale je to mo\u017en\u00e1 ta&nbsp;<strong>nejd\u016fle\u017eit\u011bj\u0161\u00ed&nbsp;v\u00fdhoda pravideln\u00fdch investic<\/strong>: budete v\u202fpohod\u011b.&nbsp;M\u00edt bokem&nbsp;finan\u010dn\u00ed&nbsp;pol\u0161t\u00e1\u0159, kter\u00fd&nbsp;z\u00e1rove\u0148&nbsp;bojuje s inflac\u00ed,&nbsp;znamen\u00e1 svobodu.&nbsp;&nbsp;<\/p>\n\n\n\n<p>A kdy\u017e se v\u00e1m rozbije&nbsp;auto&nbsp;nebo p\u0159ijde&nbsp;vy\u0161\u0161\u00ed&nbsp;nedoplatek za energie,&nbsp;<strong>nemus\u00edte si br\u00e1t nev\u00fdhodn\u00e9 \u00fav\u011bry<\/strong>.&nbsp;Ten pocit klidu,&nbsp;kdy\u017e&nbsp;m\u00e1te kam s\u00e1hnout&nbsp;(by\u0165&nbsp;tam jsou&nbsp;t\u0159eba&nbsp;jen des\u00edtky tis\u00edc), je&nbsp;nedoceniteln\u00fd.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Investov\u00e1n\u00ed pro za\u010d\u00e1te\u010dn\u00edky\u00a0<\/strong><\/h2>\n\n\n\n<p>Tady je\u00a0rychl\u00fd p\u0159ehled pro v\u0161echny,\u00a0kte\u0159\u00ed by s\u202finvestov\u00e1n\u00edm r\u00e1di za\u010dali, ale boj\u00ed se, \u017ee na to nemaj\u00ed dost nul na kont\u011b.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Vyplat\u00ed se investovat mal\u00e9 \u010d\u00e1stky?\u00a0\u00a0<\/strong><\/h3>\n\n\n\n<p>Rozhodn\u011b ano. I\u00a0s p\u011btistovkou m\u011bs\u00ed\u010dn\u011b vyu\u017e\u00edv\u00e1te s\u00edlu slo\u017een\u00e9ho \u00faro\u010den\u00ed.\u00a0D\u016fle\u017eit\u011bj\u0161\u00ed\u00a0ne\u017e objem pen\u011bz je pravidelnost a \u010das, po kter\u00fd nech\u00e1te <a href=\"https:\/\/skippay.cz\/blog\/3-duvody-proc-je-skvele-stravit-dovolenou-v-cesku\/\">finance<\/a> pracovat. Drobn\u00e9\u00a0investice v\u00e1m nav\u00edc\u00a0pom\u016f\u017eou\u00a0vybudovat zdrav\u00fd n\u00e1vyk, ani\u017e by to bolelo rodinn\u00fd rozpo\u010det.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Jak za\u010d\u00edt investovat\u00a0bez zku\u0161enost\u00ed?\u00a0\u00a0<\/strong><\/h3>\n\n\n\n<p>Vyu\u017eijte modern\u00ed <a href=\"https:\/\/skippay.cz\/blog\/4-tipy-jak-si-zjednodusit-nakupy\/\">aplikace<\/a> a n\u00e1stroje\u00a0\u2013 nap\u0159\u00edklad\u00a0Portu,\u00a0Trading\u00a0212 nebo XTB.\u00a0Za\u010d\u00edt m\u016f\u017eete\u00a0klidn\u011b\u00a0investov\u00e1n\u00edm\u00a0od 100 K\u010d\u00a0a postupn\u011b \u010d\u00e1stku\u00a0upravit podle sv\u00fdch mo\u017enost\u00ed.\u00a0Jednodu\u0161e si nastav\u00edte trval\u00fd p\u0159\u00edkaz\u00a0nebo vyu\u017eijte na\u0161i slu\u017ebu\u00a0<a href=\"https:\/\/mcas-proxyweb.mcas.ms\/certificate-checker?login=false&amp;originalUrl=https%3A%2F%2Fskippay.cz.mcas.ms%2Finvestuj-pri-nakupovani%3FMcasTsid%3D15600&amp;McasCSRF=b0cb7acf2fa3206978acd4e625e626da3cf6aa1492f297239fea3a3b26d986aa\" target=\"_blank\" rel=\"noreferrer noopener\">drobn\u00fdch automatick\u00fdch investic<\/a>\u00a0a\u00a0nic dal\u0161\u00edho nemus\u00edte \u0159e\u0161it.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Kam ulo\u017eit pen\u00edze, aby vyd\u011bl\u00e1valy a bylo to bezpe\u010dn\u00e9?\u00a0\u00a0<\/strong><\/h3>\n\n\n\n<p>Pro za\u010d\u00e1te\u010dn\u00edky jsou ide\u00e1ln\u00ed tzv.&nbsp;ETF fondy&nbsp;(bal\u00ed\u010dky akci\u00ed mnoha firem najednou), kter\u00e9 rozkl\u00e1daj\u00ed riziko. Pokud&nbsp;vsad\u00edte v\u0161e na jednu kartu (resp.&nbsp;firmu),&nbsp;v\u00fdrazn\u011b&nbsp;riskujete. Kdy\u017e&nbsp;ale&nbsp;koup\u00edte&nbsp;kousek&nbsp;od&nbsp;mnoha firem z\u202fr\u016fzn\u00fdch segment\u016f&nbsp;trhu,&nbsp;m\u00e1te v\u011bt\u0161\u00ed&nbsp;\u0161anci, \u017ee va\u0161e pen\u00edze dlouhodob\u011b porostou.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Rozhodn\u011b se ale vyhn\u011bte&nbsp;podez\u0159el\u00fdm nab\u00eddk\u00e1m s garantovan\u00fdm v\u00fdnosem 20 % m\u011bs\u00ed\u010dn\u011b \u2013 to v\u011bt\u0161inou kon\u010d\u00ed&nbsp;\u0161patn\u011b.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Zkuste to i vy\u00a0<\/strong><\/h2>\n\n\n\n<p>Sami vid\u00edte, \u017ee nemus\u00edte b\u00fdt vlk z Wall Street; sta\u010d\u00ed pou\u017e\u00edvat selsk\u00fd rozum a neb\u00e1t se za\u010d\u00edt.\u00a0S\u202f<a href=\"https:\/\/mcas-proxyweb.mcas.ms\/certificate-checker?login=false&amp;originalUrl=https%3A%2F%2Fskippay.cz.mcas.ms%2Finvestuj-pri-nakupovani%3FMcasTsid%3D15600&amp;McasCSRF=b0cb7acf2fa3206978acd4e625e626da3cf6aa1492f297239fea3a3b26d986aa\" target=\"_blank\" rel=\"noreferrer noopener\">Investicemi<\/a>\u00a0v na\u0161em\u00a0<a href=\"https:\/\/mcas-proxyweb.mcas.ms\/certificate-checker?login=false&amp;originalUrl=https%3A%2F%2Fskippay.cz.mcas.ms%2Fbalicek-maxi%3FMcasTsid%3D15600&amp;McasCSRF=b0cb7acf2fa3206978acd4e625e626da3cf6aa1492f297239fea3a3b26d986aa\" target=\"_blank\" rel=\"noreferrer noopener\">bal\u00ed\u010dku\u00a0MAXI<\/a>\u00a0to\u00a0zvl\u00e1dnete\u00a0raz dva. Tak a\u0165 se pen\u00edzky\u00a0mno\u017e\u00ed!\u00a0\ud83d\ude0e\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u00e1te pocit, \u017ee investov\u00e1n\u00ed je jen pro krava\u0165\u00e1ky z Wall Street, co si zapaluj\u00ed doutn\u00edky bankovkami? To u\u017e neplat\u00ed. Dneska nepot\u0159ebujete miliony ani doktor\u00e1t z\u202fekonomie, sta\u010d\u00ed v\u00e1m p\u00e1r stovek a kapka c\u00edlev\u011bdom\u00e9 discipl\u00edny. <\/p>\n","protected":false},"author":27,"featured_media":12281,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[35,157,2304,38,24],"class_list":["post-12274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-uspory","tag-financni-gramotnost","tag-finance","tag-investice","tag-tipy-triky","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5\u00a0situac\u00ed,\u00a0kdy\u00a0se i drobn\u00e9 investice vyplat\u00ed | Skip Pay<\/title>\n<meta name=\"description\" content=\"Ka\u017ed\u00e1 investovan\u00e1 stovka se po\u010d\u00edt\u00e1. 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