{"id":1655,"date":"2025-04-15T19:34:55","date_gmt":"2025-04-15T19:34:55","guid":{"rendered":"https:\/\/icobench.com\/cz\/?p=1655"},"modified":"2025-04-29T19:09:05","modified_gmt":"2025-04-29T19:09:05","slug":"diverzifikace-jako-nastroj","status":"publish","type":"post","link":"https:\/\/icobench.com\/cz\/novinky\/diverzifikace-jako-nastroj\/","title":{"rendered":"Investovat do ETF, akci\u00ed nebo kryptom\u011bn? Diverzifikace jako n\u00e1stroj"},"content":{"rendered":"

Investov\u00e1n\u00ed za\u017e\u00edv\u00e1 v posledn\u00edch letech v\u00fdrazn\u00fd rozmach. P\u0159isp\u00edv\u00e1 k tomu nejen dostupnost modern\u00edch technologi\u00ed, kter\u00e9 cel\u00fd proces v\u00fdrazn\u011b zjednodu\u0161uj\u00ed, ale tak\u00e9 \u0161irok\u00e1 nab\u00eddka investi\u010dn\u00edch n\u00e1stroj\u016f. V tomto \u010dl\u00e1nku se pod\u00edv\u00e1me na jednotliv\u00e9 investi\u010dn\u00ed n\u00e1stroje, jejich v\u00fdhody i rizika, a z\u00e1rove\u0148 si vysv\u011btl\u00edme, co je to diverzifikace a pro\u010d je nezbytn\u00fdm prvkem ka\u017ed\u00e9ho investi\u010dn\u00edho portfolia.<\/p>\n

ETF, akcie a kryptom\u011bny \u2013 co je co?<\/span><\/h2>\n

A\u0165 u\u017e s investov\u00e1n\u00edm teprve za\u010d\u00edn\u00e1te, nebo hled\u00e1te zp\u016fsob, jak sv\u00e9 portfolio diverzifikovat, je d\u016fle\u017eit\u00e9 porozum\u011bt rozd\u00edl\u016fm mezi jednotliv\u00fdmi typy investic. ETF, akcie i kryptom\u011bny<\/a> maj\u00ed sv\u00e1 specifika a nab\u00edzej\u00ed r\u016fzn\u00e9 investi\u010dn\u00ed strategie, kter\u00e9 se li\u0161\u00ed m\u00edrou rizika i potenci\u00e1ln\u00edm zhodnocen\u00edm. Poj\u010fme si je proto bl\u00ed\u017ee p\u0159edstavit.<\/p>\n

ETF (Exchange Traded Fund) je zkratkou pro burzovn\u011b obchodovan\u00e9 fondy. Umo\u017e\u0148uj\u00ed investor\u016fm jednodu\u0161e rozlo\u017eit sv\u00e9 prost\u0159edky mezi \u0161irok\u00e9 spektrum aktiv, ani\u017e by museli nakupovat jednotliv\u00e9 akcie zvl\u00e1\u0161\u0165. ETF nab\u00edzej\u00ed n\u00edzk\u00e9 poplatky, snadnou dostupnost a p\u0159edev\u0161\u00edm jednoduch\u00fd a efektivn\u00ed zp\u016fsob, jak diverzifikovat sv\u00e9 portfolio.<\/p>\n

Mezi nejzn\u00e1m\u011bj\u0161\u00ed ETF pat\u0159\u00ed S&P 500, kter\u00fd rozkl\u00e1d\u00e1 investici mezi 500 nejv\u011bt\u0161\u00edch americk\u00fdch spole\u010dnost\u00ed. Dal\u0161\u00ed obl\u00edbenou volbou jsou ETF zam\u011b\u0159en\u00e9 na glob\u00e1ln\u00ed trhy, nap\u0159\u00edklad FTSE All-World, kter\u00fd zahrnuje p\u0159es 3 900 akci\u00ed firem z cel\u00e9ho sv\u011bta, nebo MSCI ACWI UCITS, kter\u00fd obsahuje v\u00edce ne\u017e 2 800 spole\u010dnost\u00ed nap\u0159\u00ed\u010d vysp\u011bl\u00fdmi a rozv\u00edjej\u00edc\u00edmi se trhy.<\/p>\n

\"Historick\u00e1
Historick\u00e1 pr\u016fm\u011brn\u00e1 n\u00e1vratnost S&P 500, Zdroj: yardeni.com<\/figcaption><\/figure>\n

Akcie jsou cenn\u00e9 pap\u00edry, kter\u00e9 p\u0159edstavuj\u00ed pod\u00edl dr\u017een\u00fd ve ve\u0159ejn\u011b obchodovan\u00e9 spole\u010dnosti. Investic\u00ed do akci\u00ed se st\u00e1v\u00e1te akcion\u00e1\u0159em a z\u00edsk\u00e1v\u00e1te n\u00e1rok na pod\u00edl ze zisku firmy. Oproti ETF nab\u00edzej\u00ed potenci\u00e1ln\u011b vy\u0161\u0161\u00ed v\u00fdnosy, ale i vy\u0161\u0161\u00ed m\u00edru rizika. V posledn\u00edch letech se nap\u0159\u00edklad t\u011b\u0161\u00ed velk\u00e9 oblib\u011b akcie technologick\u00fdch gigant\u016f, jako jsou Apple, Nvidia \u010di Microsoft.<\/p>\n

Kryptom\u011bny jsou digit\u00e1ln\u00ed aktiva, kter\u00e1 stav\u00ed na decentralizaci, transparentnosti a svobod\u011b jednotlivce. Jsou zn\u00e1m\u00e9 svoj\u00ed extr\u00e9mn\u00ed volatilitou, ale z\u00e1rove\u0148 oproti p\u0159edchoz\u00edm aktiv\u016fm nab\u00edzej\u00ed v\u00fdrazn\u011b vy\u0161\u0161\u00ed potencion\u00e1ln\u00ed zhodnocen\u00ed. Mezi nejzn\u00e1m\u011bj\u0161\u00ed kryptom\u011bny pat\u0159\u00ed bitcoin<\/a> (BTC), ethereum (ETH) a solana (SOL).<\/p>\n

\"P\u0159ehled
P\u0159ehled deseti nejv\u011bt\u0161\u00edch kryptom\u011bn podle tr\u017en\u00ed kapitalizace, Zdroj: coingecko.com<\/figcaption><\/figure>\n

<\/p>

Nav\u0161t\u00edvit SUBBD<\/span><\/a><\/div>\n

Kryptom\u011bny jsou vysoce rizikov\u00e9 investice a vy\u017eaduj\u00ed maxim\u00e1ln\u00ed zodpov\u011bdnost p\u0159i investov\u00e1n\u00ed.<\/em><\/p>\n

Pro\u010d diverzifikace d\u00e1v\u00e1 smysl?<\/span><\/h2>\n

Diverzifikace je investi\u010dn\u00ed strategie, kter\u00e1 spo\u010d\u00edv\u00e1 v rozlo\u017een\u00ed kapit\u00e1lu mezi r\u016fzn\u00e9 druhy aktiv, sektory a regiony s c\u00edlem sn\u00ed\u017eit celkov\u00e9 riziko portfolia. R\u016fzn\u00e1 aktiva toti\u017e na tr\u017en\u00ed v\u00fdvoj reaguj\u00ed odli\u0161n\u011b \u2013 zat\u00edmco akcie technologick\u00fdch firem mohou klesat, komodity jako zlato a ropa nebo ETF zam\u011b\u0159en\u00e9 na zdravotnictv\u00ed \u010di obrann\u00fd pr\u016fmysl mohou naopak r\u016fst na hodnot\u011b.<\/p>\n

Smyslem diverzifikace je sestavit takov\u00e9 portfolio, kde pokles hodnoty jednoho aktiva vyrovn\u00e1v\u00e1 r\u016fst jin\u00e9ho. D\u00edky tomu nen\u00ed investor z\u00e1visl\u00fd na v\u00fdkonnosti jedin\u00e9ho trhu nebo sektoru, co\u017e zvy\u0161uje stabilitu cel\u00e9ho portfolia a pom\u00e1h\u00e1 minimalizovat riziko ztr\u00e1t. Neexistuje v\u0161ak univerz\u00e1ln\u00ed model diverzifikace \u2013 ide\u00e1ln\u00ed strategie v\u017edy z\u00e1vis\u00ed na osobn\u00edch c\u00edlech, investi\u010dn\u00edm horizontu, toleranci k riziku i zku\u0161enostech ka\u017ed\u00e9ho investora.<\/p>\n

\"Jak
P\u0159\u00edklady diverzifikovan\u00fdch portfoli\u00ed podle investi\u010dn\u00ed strategie, Zdroj: fidelity.com<\/figcaption><\/figure>\n

Diverzifikace krom\u011b finan\u010dn\u00edch v\u00fdhod p\u0159in\u00e1\u0161\u00ed i psychologickou oporu. Vyv\u00e1\u017een\u00e9 portfolio pom\u00e1h\u00e1 investor\u016fm zvl\u00e1dat stres v obdob\u00edch, kdy se trhy propadaj\u00ed a n\u00e1lada investor\u016f kol\u00eds\u00e1. V\u011bdom\u00ed, \u017ee investice nejsou soust\u0159ed\u011bn\u00e9 pouze v jednom sektoru, zm\u00edr\u0148uje nap\u011bt\u00ed, omezuje riziko impulzivn\u00edch rozhodnut\u00ed a pom\u00e1h\u00e1 investor\u016fm dr\u017eet se sv\u00e9 investi\u010dn\u00ed strategie.<\/p>\n

Kryptom\u011bny jako dopln\u011bk, ne z\u00e1klad<\/span><\/h3>\n

P\u0159esto\u017ee kryptom\u011bny<\/a> nab\u00edzej\u00ed zaj\u00edmav\u00fd potenci\u00e1l zhodnocen\u00ed, v portfoliu b\u011b\u017en\u00e9ho investora by m\u011bly z\u016fstat pouze dopl\u0148kem. Jejich extr\u00e9mn\u00ed volatilita a citlivost na tr\u017en\u00ed i regulatorn\u00ed zm\u011bny z nich \u010din\u00ed vysoce rizikov\u00e9 aktivum, kter\u00e9 m\u016f\u017ee v\u00fdrazn\u011b ovlivnit hodnotu portfolia v kr\u00e1tk\u00e9m \u010dase \u2013 a to jak pozitivn\u011b, tak negativn\u011b. Obecn\u011b se proto doporu\u010duje dr\u017eet jejich pod\u00edl pod hranic\u00ed 5 % celkov\u00e9ho portfolia.<\/p>\n

\"Jak
P\u0159\u00edklady diverzifikovan\u00fdch portfoli\u00ed s pod\u00edlem kryptom\u011bn, Zdroj: daffy.org<\/figcaption><\/figure>\n

Investovat lze jak do zaveden\u00fdch kryptom\u011bn, jako je bitcoin, kter\u00fd b\u00fdv\u00e1 ozna\u010dov\u00e1n jako \u201edigit\u00e1ln\u00ed zlato\u201c, ethereum nebo solana, tak i do spekulativn\u011bj\u0161\u00edch altcoin\u016f a meme coin\u016f<\/a>. Ty se vyzna\u010duj\u00ed je\u0161t\u011b vy\u0161\u0161\u00ed volatilitou a potenci\u00e1ln\u011b vy\u0161\u0161\u00edmi zisky, ale tak\u00e9 v\u011bt\u0161\u00edm rizikem. Jedn\u00edm z takov\u00fdch projekt\u016f je nap\u0159\u00edklad SUBBD<\/a>, kter\u00fd propojuje sv\u011bt um\u011bl\u00e9 inteligence a tvorby obsahu.<\/p>\n

SUBBD jako AI token pro tvorbu obsahu<\/span><\/h2>\n

SUBBD ($SUBBD)<\/a> je ambici\u00f3zn\u00ed projekt, kter\u00fd spojuje um\u011blou inteligenci a blockchain s c\u00edlem vytvo\u0159it platformu pro digit\u00e1ln\u00ed tv\u016frce nov\u00e9 generace. Tv\u016frc\u016fm obsahu nab\u00edz\u00ed pokro\u010dil\u00e9 n\u00e1stroje, jako jsou AI asistenti, klonov\u00e1n\u00ed hlasu nebo tvorba vlastn\u00edch AI influencer\u016f. Platforma umo\u017e\u0148uje efektivn\u011bj\u0161\u00ed tvorbu, snadn\u011bj\u0161\u00ed monetizaci a z\u00e1rove\u0148 d\u00e1v\u00e1 tv\u016frc\u016fm v\u011bt\u0161\u00ed svobodu bez z\u00e1sah\u016f prost\u0159edn\u00edk\u016f.<\/p>\n

\"Platforma
Platforma SUBBD, Zdroj: www.subbd.com<\/figcaption><\/figure>\n

Kl\u00ed\u010dov\u00fdm prvkem cel\u00e9ho ekosyst\u00e9mu je token $SUBBD, kter\u00fd poskytuje p\u0159\u00edstup k pr\u00e9miov\u00fdm funkc\u00edm a umo\u017e\u0148uje dr\u017eitel\u016fm aktivn\u011b ovliv\u0148ovat v\u00fdvoj projektu. Prost\u0159ednictv\u00edm tokenu mohou u\u017eivatel\u00e9 odemykat exkluzivn\u00ed obsah, podporovat obl\u00edben\u00e9 tv\u016frce nebo zv\u00fd\u0161it jejich viditelnost na platform\u011b. V\u00edce o projektu v na\u0161em \u010dl\u00e1nku jak koupit SUBBD<\/a>.<\/p>\n

Tokenomika SUBBD zahrnuje celkovou nab\u00eddku 1 miliardu token\u016f, z nich\u017e 20 % je vyhrazeno pro p\u0159edprodej. Nejv\u011bt\u0161\u00ed \u010d\u00e1st, celkem 30 %, sm\u011b\u0159uje na marketing a podporu r\u016fstu platformy. Kl\u00ed\u010dov\u00e1 je tak\u00e9 komunita, pro kterou je vy\u010dlen\u011bno 10 % na airdropy a 7 % na komunitn\u00ed odm\u011bny. Projekt nav\u00edc nab\u00edz\u00ed mo\u017enost stakingu<\/a> s fixn\u00edm v\u00fdnosem 20 % APY.<\/p>\n

\"Tokenomika
Tokenomika projektu SUBBD, Zdroj: subbdtoken.com<\/figcaption><\/figure>\n

Token je dostupn\u00fd v p\u0159edprodeji, kde ho lze zakoupit prost\u0159ednictv\u00edm ofici\u00e1ln\u00edch webov\u00fdch str\u00e1nek nebo kryptopen\u011b\u017eenky<\/a> Best Wallet. Platby jsou podporov\u00e1ny v ETH, BNB, USDT nebo USDC, p\u0159\u00edpadn\u011b je mo\u017en\u00e9 vyu\u017e\u00edt tak\u00e9 n\u00e1kup platebn\u00ed kartou.<\/p>\n

<\/p>

Nav\u0161t\u00edvit SUBBD<\/span><\/a><\/div>\n

Kryptom\u011bny jsou vysoce rizikov\u00e9 investice a vy\u017eaduj\u00ed maxim\u00e1ln\u00ed zodpov\u011bdnost p\u0159i investov\u00e1n\u00ed.<\/em><\/p>\n

Z\u00e1v\u011br<\/span><\/h2>\n

A\u0165 u\u017e d\u00e1v\u00e1te p\u0159ednost ETF, akci\u00edm nebo kryptom\u011bn\u00e1m, z\u00e1kladn\u00edm stavebn\u00edm kamenem \u00fasp\u011b\u0161n\u00e9ho investov\u00e1n\u00ed z\u016fst\u00e1v\u00e1 promy\u0161len\u00e1 diverzifikace. Spr\u00e1vn\u011b diverzifikovan\u00e9 portfolio pom\u00e1h\u00e1 omezit rizika, l\u00e9pe zvl\u00e1dat tr\u017en\u00ed v\u00fdkyvy a vyu\u017e\u00edvat p\u0159\u00edle\u017eitosti nap\u0159\u00ed\u010d r\u016fzn\u00fdmi segmenty trhu. Nezapom\u00ednejte, \u017ee investov\u00e1n\u00ed je v\u017edy spojeno s rizikem, a proto je d\u016fle\u017eit\u00e9 investovat s rozmyslem a v\u017edy si ud\u011blat vlastn\u00ed pr\u016fzkum.<\/p>\n","protected":false},"excerpt":{"rendered":"

Investov\u00e1n\u00ed za\u017e\u00edv\u00e1 v posledn\u00edch letech v\u00fdrazn\u00fd rozmach. P\u0159isp\u00edv\u00e1 k tomu nejen dostupnost modern\u00edch technologi\u00ed, kter\u00e9 cel\u00fd proces v\u00fdrazn\u011b zjednodu\u0161uj\u00ed,…<\/p>\n","protected":false},"author":96,"featured_media":1717,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-1655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-novinky","entry"],"acf":[],"yoast_head":"\nKam investovat v roce 2025 a pro\u010d je diverzifikace kl\u00ed\u010dov\u00e1?<\/title>\n<meta name=\"description\" content=\"Investice do ETF, akcie nebo kryptom\u011bny? 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