{"id":89228,"date":"2026-09-15T11:44:10","date_gmt":"2026-09-15T09:44:10","guid":{"rendered":"https:\/\/trader-magazine.com\/?p=89228"},"modified":"2026-09-15T11:52:46","modified_gmt":"2026-09-15T09:52:46","slug":"kolik-znamena-osmimistne-jmeni-jak-funguji-hranice-milionoveho-bohatstvi","status":"publish","type":"post","link":"https:\/\/trader-magazine.com\/cs\/akademie\/kolik-znamena-osmimistne-jmeni-jak-funguji-hranice-milionoveho-bohatstvi\/","title":{"rendered":"Kolik znamen\u00e1 osmim\u00edstn\u00e9 jm\u011bn\u00ed? Jak funguj\u00ed hranice milionov\u00e9ho bohatstv\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pojmy jako \u0161estim\u00edstn\u00fd, sedmim\u00edstn\u00fd nebo osmim\u00edstn\u00fd p\u0159\u00edjem \u010di majetek se ve sv\u011bt\u011b financ\u00ed pou\u017e\u00edvaj\u00ed pom\u011brn\u011b \u010dasto. Samy o sob\u011b ale mohou zast\u0159\u00edt, o jak velk\u00fdch \u010d\u00e1stk\u00e1ch je ve skute\u010dnosti \u0159e\u010d. V p\u0159\u00edpad\u011b osmim\u00edstn\u00e9ho jm\u011bn\u00ed je hranice jednoduch\u00e1:&nbsp;<strong>za\u010d\u00edn\u00e1 na 10 milionech dolar\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To ov\u0161em neznamen\u00e1, \u017ee v\u0161ichni lid\u00e9 ozna\u010dovan\u00ed za majitele osmim\u00edstn\u00e9ho majetku jsou ve srovnateln\u00e9 finan\u010dn\u00ed situaci. Tato kategorie sah\u00e1 od 10 milion\u016f a\u017e po 99 999 999 dolar\u016f. \u010clov\u011bk s majetkem 12 milion\u016f dolar\u016f a \u010dlov\u011bk s 90 miliony dolar\u016f tak technicky pat\u0159\u00ed do stejn\u00e9 skupiny, p\u0159esto\u017ee jejich ekonomick\u00e1 situace m\u016f\u017ee b\u00fdt z\u00e1sadn\u011b odli\u0161n\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i vysv\u011btlov\u00e1n\u00ed toho,&nbsp;<strong>kolik znamen\u00e1 osmim\u00edstn\u00e9 jm\u011bn\u00ed<\/strong>, je nav\u00edc nutn\u00e9 rozli\u0161ovat mezi p\u0159\u00edjmem, \u010dist\u00fdm jm\u011bn\u00edm a investovateln\u00fdm majetkem. V b\u011b\u017en\u00e9 \u0159e\u010di se tyto pojmy n\u011bkdy zam\u011b\u0148uj\u00ed, ve skute\u010dnosti ale m\u011b\u0159\u00ed n\u011bco jin\u00e9ho.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik znamen\u00e1 osmim\u00edstn\u00e1 \u010d\u00e1stka?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Osmim\u00edstn\u00e9 \u010d\u00edslo obsahuje p\u0159ed desetinnou \u010d\u00e1rkou osm \u010d\u00edslic. V p\u0159\u00edpad\u011b majetku tedy jednotliv\u00e9 kategorie vypadaj\u00ed n\u00e1sledovn\u011b:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u00darove\u0148 majetku<\/th><th>Rozmez\u00ed<\/th><\/tr><\/thead><tbody><tr><td>6 \u010d\u00edslic<\/td><td>100 000\u2013999 999 USD<\/td><\/tr><tr><td>7 \u010d\u00edslic<\/td><td>1 000 000\u20139 999 999 USD<\/td><\/tr><tr><td><strong>8 \u010d\u00edslic<\/strong><\/td><td><strong>10 000 000\u201399 999 999 USD<\/strong><\/td><\/tr><tr><td>9 \u010d\u00edslic<\/td><td>100 000 000\u2013999 999 999 USD<\/td><\/tr><tr><td>10 \u010d\u00edslic<\/td><td>1 miliarda USD a v\u00edce<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud tedy n\u011bkdo tvrd\u00ed, \u017ee m\u00e1&nbsp;<strong>osmim\u00edstn\u00e9 \u010dist\u00e9 jm\u011bn\u00ed<\/strong>, obvykle t\u00edm \u0159\u00edk\u00e1, \u017ee hodnota jeho majetku po ode\u010dten\u00ed z\u00e1vazk\u016f dosahuje alespo\u0148 10 milion\u016f dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fle\u017eit\u00e9 je odli\u0161it majetek od p\u0159\u00edjmu. Osmim\u00edstn\u00fd ro\u010dn\u00ed p\u0159\u00edjem znamen\u00e1 vyd\u011bl\u00e1vat alespo\u0148 10 milion\u016f dolar\u016f za rok. Osmim\u00edstn\u00e9 \u010dist\u00e9 jm\u011bn\u00ed naopak znamen\u00e1, \u017ee hodnota nahromad\u011bn\u00e9ho majetku p\u0159evy\u0161uje dluhy nejm\u00e9n\u011b o tuto \u010d\u00e1stku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Americk\u00fd Feder\u00e1ln\u00ed rezervn\u00ed syst\u00e9m ve sv\u00e9m&nbsp;<a href=\"https:\/\/www.federalreserve.gov\/publications\/october-2023-changes-in-us-family-finances-from-2019-to-2022.htm?utm_source=chatgpt.com\">pr\u016fzkumu Survey of Consumer Finances<\/a>&nbsp;definuje \u010dist\u00e9 jm\u011bn\u00ed jako rozd\u00edl mezi hodnotou aktiv dom\u00e1cnosti a jej\u00edmi z\u00e1vazky. Posledn\u00ed dokon\u010den\u00fd pr\u016fzkum uk\u00e1zal, \u017ee medi\u00e1n \u010dist\u00e9ho jm\u011bn\u00ed americk\u00e9 rodiny v roce 2022 \u010dinil 192 900 dolar\u016f, zat\u00edmco hranice pro nejbohat\u0161\u00edch deset procent se pohybovala kolem 1,94 milionu dolar\u016f. Osmim\u00edstn\u00fd majetek je tedy v\u00fdrazn\u011b nad \u00farovn\u00ed b\u011b\u017en\u00e9 dom\u00e1cnosti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sedmim\u00edstn\u00e9 vs. osmim\u00edstn\u00e9 \u010dist\u00e9 jm\u011bn\u00ed: Jak velk\u00fd je rozd\u00edl?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na prvn\u00ed pohled m\u016f\u017ee rozd\u00edl mezi sedmim\u00edstn\u00fdm a osmim\u00edstn\u00fdm majetkem p\u016fsobit jen jako jedna nula nav\u00edc. Z finan\u010dn\u00edho hlediska je v\u0161ak propastn\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk s p\u0159esn\u011b jedn\u00edm milionem dolar\u016f u\u017e technicky spad\u00e1 do kategorie sedmim\u00edstn\u00e9ho majetku. Aby dos\u00e1hl minim\u00e1ln\u00ed hranice osmim\u00edstn\u00e9ho jm\u011bn\u00ed, musel by sv\u016fj majetek zv\u00fd\u0161it desetkr\u00e1t, tedy na 10 milion\u016f dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I samotn\u00e9 srovn\u00e1n\u00ed&nbsp;<strong>sedmim\u00edstn\u00e9ho a osmim\u00edstn\u00e9ho \u010dist\u00e9ho jm\u011bn\u00ed<\/strong>&nbsp;p\u0159itom skr\u00fdv\u00e1 obrovsk\u00e9 rozd\u00edly. \u010clov\u011bk s majetkem 1,1 milionu dolar\u016f a n\u011bkdo s 9,5 milionu dolar\u016f jsou oba sedmim\u00edstn\u00ed milion\u00e1\u0159i, p\u0159esto jsou jejich finan\u010dn\u00ed mo\u017enosti zcela odli\u0161n\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S rostouc\u00edm majetkem je st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed tak\u00e9 jeho struktura. Osmim\u00edstn\u00e9 jm\u011bn\u00ed m\u016f\u017ee tvo\u0159it soukrom\u00e1 firma, n\u011bkolik nemovitost\u00ed, akcie, dluhopisy i hotovost. Jin\u00fd \u010dlov\u011bk se stejn\u00fdm \u010dist\u00fdm jm\u011bn\u00edm m\u016f\u017ee m\u00edt t\u00e9m\u011b\u0159 cel\u00fd majetek v likvidn\u00edch finan\u010dn\u00edch aktivech.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b proto nen\u00ed \u010dist\u00e9 jm\u011bn\u00ed tot\u00e9\u017e co investovateln\u00fd majetek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nap\u0159\u00edklad&nbsp;<a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/06\/WWR_2025_8d1cc7.pdf?utm_source=chatgpt.com\">Capgemini ve sv\u00e9 zpr\u00e1v\u011b World Wealth Report<\/a>&nbsp;rozd\u011bluje bohat\u00e9 jednotlivce podle v\u00fd\u0161e investovateln\u00fdch aktiv. Ve zpr\u00e1v\u011b z roku 2025 ozna\u010duje lidi s investovateln\u00fdm majetkem od jednoho do p\u011bti milion\u016f dolar\u016f jako \u201eMillionaires Next Door\u201c, osoby s p\u011bti a\u017e 30 miliony dolar\u016f jako \u201eMid-tier Millionaires\u201c a a\u017e nad hranic\u00ed 30 milion\u016f dolar\u016f pou\u017e\u00edv\u00e1 kategorii ultra-high-net-worth individuals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk s 10 miliony dolar\u016f v investovateln\u00e9m majetku je tedy jednozna\u010dn\u011b velmi bohat\u00fd, ale podle t\u00e9to metodiky je\u0161t\u011b nespad\u00e1 mezi ultra bohat\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Osmim\u00edstn\u00e9 jm\u011bn\u00ed z\u016fst\u00e1v\u00e1 mimo\u0159\u00e1dn\u011b vz\u00e1cn\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Po\u010det milion\u00e1\u0159\u016f ve sv\u011bt\u011b v posledn\u00edch letech v\u00fdrazn\u011b roste. Osmim\u00edstn\u00fd majetek v\u0161ak st\u00e1le z\u016fst\u00e1v\u00e1 soust\u0159ed\u011bn pouze u velmi mal\u00e9 \u010d\u00e1sti investor\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podle nejnov\u011bj\u0161\u00edho&nbsp;<a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-wealth-report\/?utm_source=chatgpt.com\">Capgemini World Wealth Report 2026<\/a>&nbsp;dos\u00e1hl po\u010det lid\u00ed s vysok\u00fdm \u010dist\u00fdm jm\u011bn\u00edm na konci roku 2025 p\u0159ibli\u017en\u011b 25,3 milionu, co\u017e p\u0159edstavovalo meziro\u010dn\u00ed r\u016fst o 7,9 %. Jejich celkov\u00fd majetek se zv\u00fd\u0161il o 8,7 % na rekordn\u00edch 98,3 bilionu dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na samotn\u00e9m vrcholu majetkov\u00e9 pyramidy bylo p\u0159ibli\u017en\u011b 250 tis\u00edc lid\u00ed klasifikovan\u00fdch jako ultra-high-net-worth individuals. Podle Capgemini p\u0159edstavovali pouze zhruba jedno procento cel\u00e9 skupiny HNWI, z\u00e1rove\u0148 v\u0161ak kontrolovali kolem 34,8 % jej\u00edho majetku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ekro\u010den\u00ed hranice 10 milion\u016f dolar\u016f tak znamen\u00e1 vstup do finan\u010dn\u00ed kategorie, kter\u00e1 je neobvykl\u00e1 dokonce i mezi samotn\u00fdmi milion\u00e1\u0159i.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mohlo by v\u00e1s zaj\u00edmat: <a href=\"https:\/\/trader-magazine.com\/cs\/kryptomeny\/ciste-jmeni-billyho-markuse-proc-zakladatel-dogecoinu-nezbohatl\/\" title=\"\u010cist\u00e9 jm\u011bn\u00ed Billyho Markuse: Pro\u010d zakladatel Dogecoinu nezbohatl\">\u010cist\u00e9 jm\u011bn\u00ed Billyho Markuse: Pro\u010d zakladatel Dogecoinu nezbohatl<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d je skok z jednoho milionu na deset milion\u016f tak v\u00fdznamn\u00fd?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prvn\u00ed milion dolar\u016f b\u00fdv\u00e1 pova\u017eov\u00e1n za jeden z d\u016fle\u017eit\u00fdch miln\u00edk\u016f p\u0159i budov\u00e1n\u00ed majetku. Portfolio u\u017e toti\u017e m\u016f\u017ee za\u010d\u00edt samo vytv\u00e1\u0159et v\u00fdznamnou \u010d\u00e1st dal\u0161\u00edho r\u016fstu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si jednoduch\u00fd modelov\u00fd p\u0159\u00edklad.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud portfolio v hodnot\u011b jednoho milionu dolar\u016f za rok zhodnot\u00ed o 7 %, p\u0159ed zdan\u011bn\u00edm, poplatky a p\u0159\u00edpadn\u00fdmi v\u00fdb\u011bry vyd\u011bl\u00e1 70 tis\u00edc dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stejn\u00fd sedmiprocentn\u00ed v\u00fdnos z portfolia o hodnot\u011b 10 milion\u016f dolar\u016f u\u017e p\u0159edstavuje 700 tis\u00edc dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Procentn\u00ed zhodnocen\u00ed se nezm\u011bnilo. Zm\u011bnila se pouze v\u00fd\u0161e kapit\u00e1lu, kter\u00fd v\u00fdnos vytv\u00e1\u0159\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b tento princip je jedn\u00edm ze z\u00e1kladn\u00edch mechanism\u016f&nbsp;<strong>budov\u00e1n\u00ed multimilionov\u00e9ho majetku<\/strong>. Jakmile investor nahromad\u00ed dostate\u010dn\u011b velk\u00fd kapit\u00e1l, v\u00fdnosy z existuj\u00edc\u00edch investic mohou za\u010d\u00edt hr\u00e1t v\u00fdznamn\u011bj\u0161\u00ed roli ne\u017e nov\u00e9 vklady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Americk\u00e1 Komise pro cenn\u00e9 pap\u00edry a burzy na vzd\u011bl\u00e1vac\u00edm port\u00e1lu&nbsp;<a href=\"https:\/\/www.investor.gov\/additional-resources\/information\/youth\/teachers-classroom-resources\/what-compound-interest?utm_source=chatgpt.com\">Investor.gov<\/a>&nbsp;vysv\u011btluje slo\u017een\u00e9 \u00faro\u010den\u00ed jako situaci, kdy investor z\u00edsk\u00e1v\u00e1 v\u00fdnos nejen z p\u016fvodn\u011b vlo\u017een\u00fdch pen\u011bz, ale tak\u00e9 z d\u0159\u00edve dosa\u017een\u00fdch v\u00fdnos\u016f. V dlouh\u00e9m obdob\u00ed m\u016f\u017ee tento efekt hodnotu investovan\u00e9ho kapit\u00e1lu v\u00fdrazn\u011b zv\u00fd\u0161it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdnosy ale samoz\u0159ejm\u011b nejsou garantovan\u00e9. Hodnota skute\u010dn\u00fdch portfoli\u00ed kol\u00eds\u00e1 a kone\u010dn\u00fd v\u00fdsledek ovliv\u0148uj\u00ed tak\u00e9 dan\u011b, poplatky a inflace.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak dlouho m\u016f\u017ee trvat vybudovat majetek 10 milion\u016f dolar\u016f?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rozsah c\u00edle dob\u0159e ukazuje jednoduch\u00fd v\u00fdpo\u010det slo\u017een\u00e9ho zhodnocen\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Budouc\u00ed hodnota investice z\u00e1vis\u00ed zejm\u00e9na na \u010dty\u0159ech faktorech: po\u010d\u00e1te\u010dn\u00edm kapit\u00e1lu, pravideln\u00fdch vkladech, dosa\u017een\u00e9m v\u00fdnosu a \u010dase.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Americk\u00e1 SEC nab\u00edz\u00ed na port\u00e1lu Investor.gov vlastn\u00ed&nbsp;<a href=\"https:\/\/www.investor.gov\/financial-tools-calculators\/calculators\/compound-interest-calculator?utm_source=chatgpt.com\">kalkula\u010dku slo\u017een\u00e9ho \u00faro\u010den\u00ed<\/a>, ve kter\u00e9 lze s t\u011bmito parametry pracovat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si investora, kter\u00fd za\u010d\u00edn\u00e1 od nuly, ka\u017ed\u00fd m\u011bs\u00edc investuje a v dlouhodob\u00e9m pr\u016fm\u011bru hypoteticky dosahuje ro\u010dn\u00edho v\u00fdnosu 7 % p\u0159i m\u011bs\u00ed\u010dn\u00edm p\u0159ipisov\u00e1n\u00ed v\u00fdnos\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby dos\u00e1hl 10 milion\u016f dolar\u016f, musel by p\u0159ibli\u017en\u011b investovat:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Investi\u010dn\u00ed horizont<\/th><th>P\u0159ibli\u017en\u00e1 m\u011bs\u00ed\u010dn\u00ed investice<\/th><\/tr><\/thead><tbody><tr><td>20 let<\/td><td>19 197 USD<\/td><\/tr><tr><td>25 let<\/td><td>12 345 USD<\/td><\/tr><tr><td>30 let<\/td><td>8 197 USD<\/td><\/tr><tr><td>35 let<\/td><td>5 552 USD<\/td><\/tr><tr><td>40 let<\/td><td>3 810 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Jde pouze o matematick\u00e9 modely, nikoliv o progn\u00f3zy. V\u00fdpo\u010dty p\u0159edpokl\u00e1daj\u00ed konstantn\u00ed sedmiprocentn\u00ed ro\u010dn\u00ed v\u00fdnos a nezohled\u0148uj\u00ed dan\u011b, investi\u010dn\u00ed poplatky ani inflaci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dob\u0159e v\u0161ak ukazuj\u00ed v\u00fdznam \u010dasu. Prodlou\u017een\u00ed investi\u010dn\u00edho horizontu z 20 na 40 let sni\u017euje v tomto modelu pot\u0159ebnou m\u011bs\u00ed\u010dn\u00ed investici z p\u0159ibli\u017en\u011b 19 200 dolar\u016f na m\u00e9n\u011b ne\u017e 4 000 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b to je efekt slo\u017een\u00e9ho zhodnocov\u00e1n\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co kdy\u017e u\u017e investor jeden milion dolar\u016f m\u00e1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Matematika se v\u00fdrazn\u011b m\u011bn\u00ed ve chv\u00edli, kdy u\u017e investor disponuje v\u011bt\u0161\u00edm po\u010d\u00e1te\u010dn\u00edm kapit\u00e1lem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si investora, kter\u00fd m\u00e1 jeden milion dolar\u016f a chce se dostat na 10 milion\u016f. P\u0159i stejn\u00e9m hypotetick\u00e9m sedmiprocentn\u00edm ro\u010dn\u00edm v\u00fdnosu by pot\u0159eboval p\u0159ibli\u017en\u011b tyto m\u011bs\u00ed\u010dn\u00ed vklady:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Doba do dosa\u017een\u00ed c\u00edle<\/th><th>Po\u010d\u00e1te\u010dn\u00ed portfolio<\/th><th>P\u0159ibli\u017en\u00e1 m\u011bs\u00ed\u010dn\u00ed investice<\/th><\/tr><\/thead><tbody><tr><td>15 let<\/td><td>1 milion USD<\/td><td>22 561 USD<\/td><\/tr><tr><td>20 let<\/td><td>1 milion USD<\/td><td>11 444 USD<\/td><\/tr><tr><td>25 let<\/td><td>1 milion USD<\/td><td>5 277 USD<\/td><\/tr><tr><td>30 let<\/td><td>1 milion USD<\/td><td>1 544 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">V p\u0159\u00edpad\u011b t\u0159icetilet\u00e9ho horizontu u\u017e v\u011bt\u0161inu v\u00fdsledn\u00e9ho majetku nevytv\u00e1\u0159ej\u00ed nov\u00e9 \u00faspory, ale samotn\u00e9 zhodnocen\u00ed existuj\u00edc\u00edho portfolia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jeden milion dolar\u016f investovan\u00fd bez jak\u00fdchkoliv dal\u0161\u00edch vklad\u016f by p\u0159i hypotetick\u00e9m sedmiprocentn\u00edm ro\u010dn\u00edm v\u00fdnosu za 30 let narostl zhruba na 7,6 milionu dolar\u016f. Nov\u00e9 investice by pak musely pokr\u00fdt pouze zb\u00fdvaj\u00edc\u00ed rozd\u00edl.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ani zde samoz\u0159ejm\u011b nelze p\u0159edpokl\u00e1dat, \u017ee trhy budou po t\u0159i desetilet\u00ed ka\u017ed\u00fd rok p\u0159esn\u011b vyd\u011bl\u00e1vat 7 %. V\u00fdpo\u010det pouze ukazuje, jak v\u00fdrazn\u011b m\u016f\u017ee dlouh\u00fd \u010dasov\u00fd horizont a existuj\u00edc\u00ed kapit\u00e1l zm\u011bnit proces budov\u00e1n\u00ed majetku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pl\u00e1n spo\u0159en\u00ed pro budov\u00e1n\u00ed multimilionov\u00e9ho majetku<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pro v\u011bt\u0161inu investor\u016f vy\u017eaduje&nbsp;<strong>budov\u00e1n\u00ed multimilionov\u00e9ho majetku<\/strong>&nbsp;v\u00edce ne\u017e jen odkl\u00e1dat pen\u00edze, kter\u00e9 na konci m\u011bs\u00edce zbudou. Dlouhodob\u00e1 strategie obvykle kombinuje r\u016fst p\u0159\u00edjm\u016f, pravideln\u00e9 investov\u00e1n\u00ed a dostatek \u010dasu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdznam jednotliv\u00fdch faktor\u016f se nav\u00edc m\u011bn\u00ed s t\u00edm, jak portfolio roste.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Vytvo\u0159it pravideln\u00fd investovateln\u00fd p\u0159ebytek<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Na za\u010d\u00e1tku procesu hraj\u00ed nov\u00e9 vklady obvykle v\u011bt\u0161\u00ed roli ne\u017e samotn\u00fd v\u00fdnos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Portfolio v hodnot\u011b 20 tis\u00edc dolar\u016f p\u0159i sedmiprocentn\u00edm zhodnocen\u00ed vytvo\u0159\u00ed hypoteticky pouze 1 400 dolar\u016f za rok. Investor, kter\u00fd ka\u017ed\u00fd m\u011bs\u00edc odkl\u00e1d\u00e1 1 000 dolar\u016f, naproti tomu b\u011bhem stejn\u00e9ho obdob\u00ed p\u0159id\u00e1 12 tis\u00edc dolar\u016f nov\u00e9ho kapit\u00e1lu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V t\u00e9to f\u00e1zi tak m\u016f\u017ee b\u00fdt zv\u00fd\u0161en\u00ed p\u0159\u00edjmu a udr\u017een\u00ed vysok\u00e9 m\u00edry \u00faspor v\u00fdznamn\u011bj\u0161\u00ed ne\u017e snaha dos\u00e1hnout o n\u011bkolik desetin procenta vy\u0161\u0161\u00edho investi\u010dn\u00edho v\u00fdnosu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tak\u00e9 vzd\u011bl\u00e1vac\u00ed materi\u00e1ly&nbsp;<a href=\"https:\/\/www.investor.gov\/introduction-investing\/investing-basics\/save-and-invest\/small-savings-add-big-money?utm_source=chatgpt.com\">Investor.gov v\u011bnovan\u00e9 spo\u0159en\u00ed a slo\u017een\u00e9mu zhodnocen\u00ed<\/a>&nbsp;upozor\u0148uj\u00ed, \u017ee i pravideln\u00e9 men\u0161\u00ed \u010d\u00e1stky mohou d\u00edky dlouhodob\u00e9mu investov\u00e1n\u00ed v\u00fdznamn\u011b nar\u016fst.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Dos\u00e1hnout prvn\u00edho v\u00fdznamn\u00e9ho investi\u010dn\u00edho miln\u00edku<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prvn\u00edm c\u00edlem nemus\u00ed b\u00fdt rovnou milion dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro n\u011bkoho m\u016f\u017ee j\u00edt o 100 tis\u00edc, pro jin\u00e9ho o 500 tis\u00edc dolar\u016f. Princip je stejn\u00fd: vybudovat dostate\u010dn\u011b velk\u00fd kapit\u00e1l, aby jeho v\u00fdnos za\u010dal p\u0159edstavovat v\u00fdznamnou \u010d\u00e1st dal\u0161\u00edho r\u016fstu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nap\u0159\u00edklad hypotetick\u00fd sedmiprocentn\u00ed v\u00fdnos p\u0159edstavuje:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Velikost portfolia<\/th><th>Hypotetick\u00fd ro\u010dn\u00ed v\u00fdnos 7 %<\/th><\/tr><\/thead><tbody><tr><td>100 000 USD<\/td><td>7 000 USD<\/td><\/tr><tr><td>500 000 USD<\/td><td>35 000 USD<\/td><\/tr><tr><td>1 milion USD<\/td><td>70 000 USD<\/td><\/tr><tr><td>5 milion\u016f USD<\/td><td>350 000 USD<\/td><\/tr><tr><td>10 milion\u016f USD<\/td><td>700 000 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u010c\u00edm v\u011bt\u0161\u00ed portfolio je, t\u00edm v\u011bt\u0161\u00ed absolutn\u00ed \u010d\u00e1stku m\u016f\u017ee vytv\u00e1\u0159et stejn\u00fd procentn\u00ed v\u00fdnos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Zvy\u0161ovat p\u0159\u00edjem, nejen m\u00edru \u00faspor<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Existuje hranice, pod kterou u\u017e b\u011b\u017en\u00e9 v\u00fddaje jednodu\u0161e sn\u00ed\u017eit nelze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk s ro\u010dn\u00edm p\u0159\u00edjmem 60 tis\u00edc dolar\u016f se pravd\u011bpodobn\u011b k majetku 10 milion\u016f dolar\u016f nedostane pouze t\u00edm, \u017ee bude st\u00e1le hledat dal\u0161\u00ed polo\u017eky, na kter\u00fdch m\u016f\u017ee u\u0161et\u0159it. Kl\u00ed\u010dov\u00fd proto m\u016f\u017ee b\u00fdt tak\u00e9 r\u016fst p\u0159\u00edjm\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Majetek lid\u00ed s osmim\u00edstn\u00fdm jm\u011bn\u00edm \u010dasto vznik\u00e1 podnik\u00e1n\u00edm, vlastnictv\u00edm firem, akciov\u00fdmi odm\u011bnami ve vrcholov\u00e9m managementu, investicemi do nemovitost\u00ed nebo kombinac\u00ed velmi dob\u0159e placen\u00e9 kari\u00e9ry a dlouhodob\u00e9ho investov\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b proto cesta od jednoho milionu k deseti milion\u016fm \u010dasto vypad\u00e1 jinak ne\u017e cesta k prvn\u00edm 100 tis\u00edc\u016fm dolar\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Nechat v\u011bt\u0161\u00ed \u010d\u00e1st pr\u00e1ce na slo\u017een\u00e9m zhodnocov\u00e1n\u00ed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S rostouc\u00edm portfoliem m\u016f\u017ee investor dos\u00e1hnout okam\u017eiku, kdy ro\u010dn\u00ed pohyb hodnoty investic v\u00fdrazn\u011b p\u0159ev\u00fd\u0161\u00ed \u010d\u00e1stku, kterou b\u011bhem roku s\u00e1m vlo\u017e\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk s portfoliem p\u011bti milion\u016f dolar\u016f, kter\u00fd b\u011bhem roku investuje dal\u0161\u00edch 100 tis\u00edc dolar\u016f, zv\u00fd\u0161\u00ed portfolio prost\u0159ednictv\u00edm \u00faspor o 2 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedmiprocentn\u00ed v\u00fdnos by naproti tomu p\u0159edstavoval 350 tis\u00edc dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento p\u0159echod je jednou z charakteristik tvorby velk\u00e9ho majetku. P\u0159\u00edjmy z pr\u00e1ce a vlastn\u00ed \u00faspory mohou vytvo\u0159it p\u016fvodn\u00ed kapit\u00e1l, ale s rostouc\u00ed velikost\u00ed portfolia se dominantn\u00edm motorem dal\u0161\u00edho r\u016fstu m\u016f\u017ee st\u00e1t samotn\u00fd kapit\u00e1l.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Chr\u00e1nit u\u017e vytvo\u0159en\u00fd majetek<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S r\u016fstem portfolia se m\u011bn\u00ed tak\u00e9 hlavn\u00ed c\u00edl.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V po\u010d\u00e1te\u010dn\u00ed f\u00e1zi m\u016f\u017ee b\u00fdt prioritou investovat co nejv\u011bt\u0161\u00ed \u010d\u00e1st p\u0159\u00edjm\u016f. Jakmile v\u0161ak majetek dos\u00e1hne n\u011bkolika milion\u016f dolar\u016f, st\u00e1le v\u011bt\u0161\u00ed v\u00fdznam z\u00edsk\u00e1v\u00e1 ochrana p\u0159ed ztr\u00e1tami, kter\u00e9 by mohly zni\u010dit roky p\u0159edchoz\u00edho r\u016fstu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Extr\u00e9mn\u00ed koncentrace majetku v jedn\u00e9 firm\u011b, nemovitosti, odv\u011btv\u00ed nebo spekulativn\u00edm aktivu m\u016f\u017ee p\u0159i \u00fasp\u011bchu p\u0159in\u00e9st mimo\u0159\u00e1dn\u00e9 zisky. Z\u00e1rove\u0148 ale vystavuje investora riziku v\u00fdrazn\u00e9 ztr\u00e1ty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Diverzifikace nedok\u00e1\u017ee odstranit tr\u017en\u00ed riziko, m\u016f\u017ee v\u0161ak sn\u00ed\u017eit z\u00e1vislost cel\u00e9ho majetku na v\u00fdvoji jedin\u00e9 investice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nezapom\u00ednat na inflaci<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i stanoven\u00ed pevn\u00e9ho c\u00edle, nap\u0159\u00edklad 10 milion\u016f dolar\u016f, existuje je\u0161t\u011b jeden probl\u00e9m: hodnota pen\u011bz se v \u010dase m\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud by inflace b\u011bhem n\u00e1sleduj\u00edc\u00edch 30 let \u010dinila v pr\u016fm\u011bru 2,5 % ro\u010dn\u011b, m\u011blo by 10 milion\u016f dolar\u016f z\u00edskan\u00fdch za t\u0159i desetilet\u00ed kupn\u00ed s\u00edlu odpov\u00eddaj\u00edc\u00ed p\u0159ibli\u017en\u011b 4,8 milionu dne\u0161n\u00edch dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor s dlouh\u00fdm horizontem by proto m\u011bl rozli\u0161ovat mezi nomin\u00e1ln\u00edm a re\u00e1ln\u00fdm bohatstv\u00edm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zvl\u00e1\u0161t\u011b d\u016fle\u017eit\u00e9 je to pro mlad\u0161\u00ed investory. Portfolio v nomin\u00e1ln\u00ed hodnot\u011b 10 milion\u016f dolar\u016f v roce 2060 bude st\u00e1le p\u0159edstavovat velmi zna\u010dn\u00fd majetek, nebude si za n\u011bj v\u0161ak mo\u017en\u00e9 koupit tot\u00e9\u017e co za 10 milion\u016f dolar\u016f dnes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dlouhodob\u00e9 finan\u010dn\u00ed c\u00edle by proto m\u011bly b\u00fdt pravideln\u011b upravov\u00e1ny o inflaci.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mohlo by v\u00e1s zaj\u00edmat: <a href=\"https:\/\/trader-magazine.com\/cs\/obchod\/majetek-nejvetsich-internetovych-tvurcu-kolik-maji-kai-cenat-ksi-logan-paul-a-dr-disrespect\/\" title=\"Majetek nejv\u011bt\u0161\u00edch internetov\u00fdch tv\u016frc\u016f: Kolik maj\u00ed Kai Cenat, KSI, Logan Paul a Dr Disrespect?\">Majetek nejv\u011bt\u0161\u00edch internetov\u00fdch tv\u016frc\u016f: Kolik maj\u00ed Kai Cenat, KSI, Logan Paul a Dr Disrespect?<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Sta\u010d\u00ed 10 milion\u016f dolar\u016f k finan\u010dn\u00ed nez\u00e1vislosti?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pro v\u011bt\u0161inu dom\u00e1cnost\u00ed by diverzifikovan\u00e9 investi\u010dn\u00ed portfolio v hodnot\u011b 10 milion\u016f dolar\u016f p\u0159edstavovalo mimo\u0159\u00e1dn\u011b silnou finan\u010dn\u00ed pozici. Neexistuje v\u0161ak jedna konkr\u00e9tn\u00ed hranice, kter\u00e1 automaticky zajist\u00ed finan\u010dn\u00ed nez\u00e1vislost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1le\u017e\u00ed na \u017eivotn\u00edm stylu, ka\u017edoro\u010dn\u00edch v\u00fddaj\u00edch, da\u0148ov\u00e9m syst\u00e9mu, struktu\u0159e investic, rodinn\u00e9 situaci i m\u00edst\u011b, kde \u010dlov\u011bk \u017eije.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jednoduch\u00fd p\u0159\u00edklad ukazuje, o jak\u00fdch \u010d\u00e1stk\u00e1ch se bav\u00edme. \u010cty\u0159i procenta z 10 milion\u016f dolar\u016f jsou 400 tis\u00edc dolar\u016f. Dv\u011b procenta p\u0159edstavuj\u00ed 200 tis\u00edc dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To ov\u0161em neznamen\u00e1, \u017ee by n\u011bkter\u00e1 z t\u011bchto hodnot automaticky p\u0159edstavovala bezpe\u010dnou a dlouhodob\u011b udr\u017eitelnou m\u00edru v\u00fdb\u011bru. P\u0159i pl\u00e1nov\u00e1n\u00ed je nutn\u00e9 zohlednit kol\u00eds\u00e1n\u00ed trh\u016f, inflaci, dan\u011b, strukturu portfolia i d\u00e9lku obdob\u00ed, b\u011bhem kter\u00e9ho m\u00e1 majetek financovat \u017eivotn\u00ed n\u00e1klady.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ve v\u00fdsledku tak nen\u00ed rozhoduj\u00edc\u00ed pouze velikost majetku, ale tak\u00e9 vztah mezi majetkem a v\u00fddaji.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk, kter\u00fd m\u00e1 investov\u00e1no 10 milion\u016f dolar\u016f a ro\u010dn\u011b utrat\u00ed 150 tis\u00edc dolar\u016f, je v \u00fapln\u011b jin\u00e9 situaci ne\u017e \u010dlov\u011bk se stejn\u00fdm majetkem, jeho\u017e ro\u010dn\u00ed v\u00fddaje dosahuj\u00ed jednoho milionu dolar\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Osmim\u00edstn\u00e9 jm\u011bn\u00ed neznamen\u00e1 10 milion\u016f dolar\u016f na \u00fa\u010dtu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch omyl\u016f je p\u0159edstava, \u017ee \u010dist\u00e9 jm\u011bn\u00ed odpov\u00edd\u00e1 mno\u017estv\u00ed dostupn\u00e9 hotovosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neodpov\u00edd\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si \u010dlov\u011bka s n\u00e1sleduj\u00edc\u00ed strukturou majetku:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Aktivum<\/th><th>\u010cist\u00e1 hodnota<\/th><\/tr><\/thead><tbody><tr><td>Soukrom\u00e1 firma<\/td><td>6 milion\u016f USD<\/td><\/tr><tr><td>Vlastn\u00ed kapit\u00e1l v nemovitostech<\/td><td>3 miliony USD<\/td><\/tr><tr><td>Investi\u010dn\u00ed portfolio<\/td><td>2 miliony USD<\/td><\/tr><tr><td>Hotovost<\/td><td>500 000 USD<\/td><\/tr><tr><td>Dluh<\/td><td>\u22121 milion USD<\/td><\/tr><tr><td><strong>\u010cist\u00e9 jm\u011bn\u00ed<\/strong><\/td><td><strong>10,5 milionu USD<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Takov\u00fd \u010dlov\u011bk m\u00e1 osmim\u00edstn\u00e9 \u010dist\u00e9 jm\u011bn\u00ed, ale v hotovosti dr\u017e\u00ed pouze p\u016fl milionu dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento rozd\u00edl je obzvl\u00e1\u0161\u0165 d\u016fle\u017eit\u00fd nap\u0159\u00edklad u podnikatel\u016f nebo investor\u016f do nemovitost\u00ed, jejich\u017e majetek m\u016f\u017ee b\u00fdt p\u0159ev\u00e1\u017en\u011b ulo\u017een v aktivech, kter\u00e1 nelze okam\u017eit\u011b prom\u011bnit v pen\u00edze, ani\u017e by je museli prodat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b proto profesion\u00e1ln\u00ed anal\u00fdzy bohatstv\u00ed \u010dasto sleduj\u00ed investovateln\u00fd majetek nam\u00edsto celkov\u00e9ho \u010dist\u00e9ho jm\u011bn\u00ed. Ka\u017ed\u00fd z t\u011bchto ukazatel\u016f toti\u017e odpov\u00edd\u00e1 na jinou ot\u00e1zku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak lid\u00e9 dosahuj\u00ed osmim\u00edstn\u00e9ho majetku?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jedna univerz\u00e1ln\u00ed cesta k deseti milion\u016fm dolar\u016f neexistuje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk s vysok\u00fdmi p\u0159\u00edjmy m\u016f\u017ee t\u00e9to hranice dos\u00e1hnout d\u00edky n\u011bkolika desetilet\u00edm pravideln\u00e9ho investov\u00e1n\u00ed. Podnikatel ji m\u016f\u017ee p\u0159ekro\u010dit d\u00edky r\u016fstu a n\u00e1sledn\u00e9mu prodeji vlastn\u00ed spole\u010dnosti. Vrcholov\u00ed mana\u017ee\u0159i mohou v\u00fdznamn\u00fd majetek vybudovat prost\u0159ednictv\u00edm vysok\u00fdch mezd, bonus\u016f a akciov\u00fdch odm\u011bn. Investo\u0159i do nemovitost\u00ed zase mohou b\u011bhem des\u00edtek let postupn\u011b vytvo\u0159it rozs\u00e1hl\u00e9 portfolio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdznamnou roli m\u016f\u017ee sehr\u00e1t tak\u00e9 d\u011bdictv\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.capgemini.com\/insights\/research-library\/world-wealth-report-2025\/?utm_source=chatgpt.com\">Capgemini World Wealth Report 2025<\/a>&nbsp;odhadoval, \u017ee do roku 2048 m\u016f\u017ee mlad\u0161\u00edm generac\u00edm p\u0159ej\u00edt majetek v hodnot\u011b p\u0159ibli\u017en\u011b&nbsp;<strong>83,5 bilionu dolar\u016f<\/strong>. Jde o jeden z nejv\u011bt\u0161\u00edch mezigenera\u010dn\u00edch p\u0159esun\u016f bohatstv\u00ed v historii.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro investory, kte\u0159\u00ed si majetek buduj\u00ed sami, v\u0161ak z\u016fst\u00e1vaj\u00ed z\u00e1kladn\u00ed prom\u011bnn\u00e9 pom\u011brn\u011b jednoduch\u00e9: kolik pen\u011bz investuj\u00ed, jak\u00e9ho v\u00fdnosu dosahuj\u00ed a jak dlouho nechaj\u00ed kapit\u00e1l pracovat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nejt\u011b\u017e\u0161\u00ed je udr\u017eet tento proces dostate\u010dn\u011b dlouho.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jeden milion versus deset milion\u016f: Pro\u010d se budov\u00e1n\u00ed majetku m\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Srovn\u00e1n\u00ed&nbsp;<strong>sedmim\u00edstn\u00e9ho a osmim\u00edstn\u00e9ho \u010dist\u00e9ho jm\u011bn\u00ed<\/strong>&nbsp;ukazuje jednu d\u016fle\u017eitou vlastnost osobn\u00edch financ\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i men\u0161\u00edm majetku je zpravidla nejd\u016fle\u017eit\u011bj\u0161\u00ed schopnost spo\u0159it a investovat nov\u00e9 pen\u00edze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i v\u011bt\u0161\u00edm majetku naopak st\u00e1le v\u00edce z\u00e1le\u017e\u00ed na v\u00fdnosech u\u017e existuj\u00edc\u00edho kapit\u00e1lu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si dva investory.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor A m\u00e1 portfolio v hodnot\u011b 100 tis\u00edc dolar\u016f a ro\u010dn\u011b investuje dal\u0161\u00edch 30 tis\u00edc. Nov\u00fd vklad odpov\u00edd\u00e1 30 % hodnoty jeho portfolia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor B m\u00e1 portfolio p\u011bt milion\u016f dolar\u016f a tak\u00e9 ro\u010dn\u011b investuje 30 tis\u00edc. Jeho nov\u00fd vklad p\u0159edstavuje pouze 0,6 % hodnoty portfolia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U investora B bude m\u00edt na meziro\u010dn\u00ed zm\u011bnu majetku zpravidla daleko v\u011bt\u0161\u00ed vliv v\u00fdkon portfolia ne\u017e dal\u0161\u00edch 30 tis\u00edc dolar\u016f, kter\u00e9 do n\u011bj vlo\u017e\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b proto nen\u00ed multimilionov\u00e9 bohatstv\u00ed jen b\u011b\u017en\u00e9 spo\u0159en\u00ed s v\u011bt\u0161\u00edmi \u010d\u00edsly. V ur\u010dit\u00e9 f\u00e1zi za\u010d\u00ednaj\u00ed hr\u00e1t mnohem v\u011bt\u0161\u00ed roli struktura portfolia, \u0159\u00edzen\u00ed rizika, dan\u011b a ochrana u\u017e vytvo\u0159en\u00e9ho kapit\u00e1lu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik tedy znamen\u00e1 osmim\u00edstn\u00e9 jm\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Odpov\u011b\u010f je jednoduch\u00e1:&nbsp;<strong>od 10 milion\u016f do 99 999 999 dolar\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Samotn\u00e9 ozna\u010den\u00ed ale vypov\u00edd\u00e1 pouze o \u010d\u00e1sti finan\u010dn\u00ed situace.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clov\u011bk s \u010dist\u00fdm jm\u011bn\u00edm 10 milion\u016f dolar\u016f m\u016f\u017ee m\u00edt velmi m\u00e1lo dostupn\u00e9 hotovosti, pokud je v\u011bt\u0161ina jeho majetku ulo\u017een\u00e1 ve firm\u011b nebo v nemovitostech. Jin\u00fd \u010dlov\u011bk se stejn\u00fdm \u010dist\u00fdm jm\u011bn\u00edm m\u016f\u017ee m\u00edt deset milion\u016f dolar\u016f v diverzifikovan\u00e9m portfoliu likvidn\u00edch finan\u010dn\u00edch aktiv.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rozd\u00edl mezi sedmim\u00edstn\u00fdm a osmim\u00edstn\u00fdm majetkem z\u00e1rove\u0148 dob\u0159e ukazuje, jak se v pr\u016fb\u011bhu \u010dasu m\u011bn\u00ed zp\u016fsob tvorby bohatstv\u00ed. V po\u010d\u00e1te\u010dn\u00edch f\u00e1z\u00edch maj\u00ed z\u00e1sadn\u00ed v\u00fdznam vlastn\u00ed \u00faspory a r\u016fst p\u0159\u00edjm\u016f. S rostouc\u00edm portfoliem ale st\u00e1le v\u011bt\u0161\u00ed \u010d\u00e1st pr\u00e1ce p\u0159eb\u00edraj\u00ed investi\u010dn\u00ed v\u00fdnosy a slo\u017een\u00e9 zhodnocov\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dosa\u017een\u00ed osmim\u00edstn\u00e9ho majetku z\u016fst\u00e1v\u00e1 mimo\u0159\u00e1dn\u011b ambici\u00f3zn\u00edm finan\u010dn\u00edm c\u00edlem. Matematika, kter\u00e1 za&nbsp;<strong>budov\u00e1n\u00edm multimilionov\u00e9ho bohatstv\u00ed<\/strong>&nbsp;stoj\u00ed, v\u0161ak nen\u00ed slo\u017eit\u00e1: pot\u0159eba je kapit\u00e1l, pravideln\u00e9 investice, v\u00fdnos a p\u0159edev\u0161\u00edm dostatek \u010dasu.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pojmy jako \u0161estim\u00edstn\u00fd, sedmim\u00edstn\u00fd nebo osmim\u00edstn\u00fd p\u0159\u00edjem \u010di majetek se ve sv\u011bt\u011b financ\u00ed pou\u017e\u00edvaj\u00ed pom\u011brn\u011b \u010dasto. Samy o sob\u011b ale mohou zast\u0159\u00edt, o jak velk\u00fdch \u010d\u00e1stk\u00e1ch je ve skute\u010dnosti \u0159e\u010d. V p\u0159\u00edpad\u011b osmim\u00edstn\u00e9ho jm\u011bn\u00ed je hranice jednoduch\u00e1:&nbsp;za\u010d\u00edn\u00e1 na 10 milionech dolar\u016f. To ov\u0161em neznamen\u00e1, \u017ee v\u0161ichni lid\u00e9 ozna\u010dovan\u00ed za majitele osmim\u00edstn\u00e9ho majetku jsou ve srovnateln\u00e9 [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":89212,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[4952],"tags":[5300,4940,6250],"class_list":["post-89228","post","type-post","status-publish","format-standard","has-post-thumbnail","category-akademie","tag-bohatstvi","tag-ekonomika","tag-kolik-znamena-osmimistne-jmeni"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Kolik znamen\u00e1 osmim\u00edstn\u00e9 jm\u011bn\u00ed? 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