{"id":90752,"date":"2026-10-27T11:12:33","date_gmt":"2026-10-27T10:12:33","guid":{"rendered":"https:\/\/trader-magazine.com\/?p=90752"},"modified":"2026-10-27T11:12:40","modified_gmt":"2026-10-27T10:12:40","slug":"rocni-nakladovost-etf-kolik-vas-skutecne-stoji-poplatek-020","status":"publish","type":"post","link":"https:\/\/trader-magazine.com\/cs\/akademie\/rocni-nakladovost-etf-kolik-vas-skutecne-stoji-poplatek-020\/","title":{"rendered":"Ro\u010dn\u00ed n\u00e1kladovost ETF: Kolik v\u00e1s skute\u010dn\u011b stoj\u00ed poplatek 0,20 %?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Ro\u010dn\u00ed poplatek ETF ve v\u00fd\u0161i 0,20 % m\u016f\u017ee na prvn\u00ed pohled p\u016fsobit t\u00e9m\u011b\u0159 zanedbateln\u011b. P\u0159i investici 10 000 dolar\u016f toti\u017e p\u0159edstavuje p\u0159ibli\u017en\u011b 20 dolar\u016f ro\u010dn\u011b. Investi\u010dn\u00ed poplatky v\u0161ak maj\u00ed jeden m\u00e9n\u011b viditeln\u00fd d\u016fsledek. Nesni\u017euj\u00ed pouze hodnotu investice dnes, ale tak\u00e9 budouc\u00ed v\u00fdnosy, kter\u00e9 by tyto pen\u00edze mohly p\u0159in\u00e9st. V horizontu 10, 20 nebo 30 let tak m\u016f\u017ee i zd\u00e1nliv\u011b n\u00edzk\u00fd poplatek v\u00fdrazn\u011b ovlivnit kone\u010dnou hodnotu investi\u010dn\u00edho portfolia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je ro\u010dn\u00ed n\u00e1kladovost ETF a jak funguje?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Burzovn\u011b obchodovan\u00e9 fondy neboli ETF se staly obl\u00edben\u00fdm investi\u010dn\u00edm n\u00e1strojem. Investor\u016fm umo\u017e\u0148uj\u00ed jednodu\u0161e z\u00edskat diverzifikovanou expozici v\u016f\u010di akci\u00edm, dluhopis\u016fm nebo dal\u0161\u00edm aktiv\u016fm, ani\u017e by museli jednotliv\u00e9 cenn\u00e9 pap\u00edry vyb\u00edrat samostatn\u011b. Jednou z jejich hlavn\u00edch v\u00fdhod jsou relativn\u011b n\u00edzk\u00e9 provozn\u00ed n\u00e1klady, zejm\u00e9na ve srovn\u00e1n\u00ed s \u0159adou aktivn\u011b spravovan\u00fdch investi\u010dn\u00edch fond\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To v\u0161ak neznamen\u00e1, \u017ee je dr\u017een\u00ed ETF zcela zdarma.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00fd fond mus\u00ed hradit n\u00e1klady spojen\u00e9 se spr\u00e1vou portfolia, administrativou, \u00faschovou aktiv, \u00fa\u010detnictv\u00edm nebo pln\u011bn\u00edm regulatorn\u00edch povinnost\u00ed. Tyto pr\u016fb\u011b\u017en\u00e9 n\u00e1klady se prom\u00edtaj\u00ed do ukazatele ozna\u010dovan\u00e9ho jako&nbsp;<strong>ro\u010dn\u00ed n\u00e1kladovost ETF (anglicky expense ratio)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento ukazatel p\u0159edstavuje pom\u011br ro\u010dn\u00edch provozn\u00edch n\u00e1klad\u016f fondu k jeho pr\u016fm\u011brn\u00fdm \u010dist\u00fdm aktiv\u016fm. Jak vysv\u011btluje&nbsp;<a href=\"https:\/\/www.investor.gov\/introduction-investing\/general-resources\/news-alerts\/alerts-bulletins\/investor-bulletins\/mutual-fund-and-etf-fees-and-expenses-investor-bulletin\">americk\u00e1 Komise pro cenn\u00e9 pap\u00edry a burzy (SEC)<\/a>, tyto n\u00e1klady jsou hrazeny p\u0159\u00edmo z majetku fondu, nikoli prost\u0159ednictv\u00edm samostatn\u00e9 faktury jednotliv\u00fdm investor\u016fm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z pohledu investora je z\u00e1kladn\u00ed v\u00fdpo\u010det jednoduch\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ETF s ro\u010dn\u00ed n\u00e1kladovost\u00ed 0,20 % p\u0159edstavuje p\u0159ibli\u017en\u011b 2 dolary ro\u010dn\u011b za ka\u017ed\u00fdch investovan\u00fdch 1 000 dolar\u016f, pokud se hodnota portfolia nezm\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i investici 10 000 dolar\u016f jde p\u0159ibli\u017en\u011b o 20 dolar\u016f ro\u010dn\u011b. U portfolia v hodnot\u011b 50 000 dolar\u016f by odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stka \u010dinila 100 dolar\u016f a p\u0159i investici 100 000 dolar\u016f p\u0159ibli\u017en\u011b 200 dolar\u016f ro\u010dn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podstatn\u00e9 p\u0159itom je, \u017ee&nbsp;<strong>ro\u010dn\u00ed n\u00e1kladovost ETF se vztahuje k hodnot\u011b investice, nikoli pouze k p\u016fvodn\u011b vlo\u017een\u00e9mu kapit\u00e1lu nebo dosa\u017een\u00e9mu zisku<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud tedy hodnota portfolia roste, zvy\u0161uje se zpravidla tak\u00e9 absolutn\u00ed \u010d\u00e1stka odpov\u00eddaj\u00edc\u00ed stejn\u00e9mu procentu\u00e1ln\u00edmu poplatku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se poplatky ETF skute\u010dn\u011b strh\u00e1vaj\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na rozd\u00edl od obchodn\u00edch komis\u00ed se pr\u016fb\u011b\u017en\u00e9 poplatky ETF obvykle neobjevuj\u00ed jako samostatn\u00e1 transakce na investi\u010dn\u00edm \u00fa\u010dtu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor nedost\u00e1v\u00e1 ka\u017edoro\u010dn\u011b fakturu, kterou by musel spr\u00e1vci fondu uhradit. Provozn\u00ed n\u00e1klady se m\u00edsto toho pr\u016fb\u011b\u017en\u011b \u00fa\u010dtuj\u00ed uvnit\u0159 fondu a prom\u00edtaj\u00ed se do jeho \u010dist\u00e9 hodnoty aktiv, ozna\u010dovan\u00e9 jako NAV (Net Asset Value).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tyto n\u00e1klady se zpravidla \u010dasov\u011b rozli\u0161uj\u00ed na denn\u00ed b\u00e1zi a postupn\u011b sni\u017euj\u00ed objem prost\u0159edk\u016f, kter\u00e9 mohou d\u00e1le generovat investi\u010dn\u00ed v\u00fdnosy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si nap\u0159\u00edklad ETF, jeho\u017e podkladov\u00e1 aktiva dos\u00e1hnou hrub\u00e9ho ro\u010dn\u00edho v\u00fdnosu 7 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud m\u00e1 fond ro\u010dn\u00ed n\u00e1kladovost ve v\u00fd\u0161i 0,20 %, v\u00fdnos investora po zohledn\u011bn\u00ed tohoto n\u00e1kladu by se zjednodu\u0161en\u011b pohyboval kolem 6,80 %, za p\u0159edpokladu, \u017ee neexistuj\u00ed dal\u0161\u00ed n\u00e1klady nebo rozd\u00edly ve v\u00fdkonnosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fond s n\u00e1kladovost\u00ed 0,50 % by za stejn\u00fdch podm\u00ednek p\u0159inesl p\u0159ibli\u017en\u011b 6,50 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rozd\u00edl m\u016f\u017ee b\u011bhem jedin\u00e9ho roku p\u016fsobit nev\u00fdznamn\u011b. Pokud se v\u0161ak opakuje po dobu n\u011bkolika desetilet\u00ed, jeho dopad postupn\u011b nar\u016fst\u00e1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u016fle\u017eit\u00e9 je tak\u00e9 p\u0159ipomenout, \u017ee&nbsp;<strong>zve\u0159ej\u0148ovan\u00e1 historick\u00e1 v\u00fdkonnost ETF ji\u017e zpravidla zahrnuje provozn\u00ed n\u00e1klady fondu<\/strong>. Investor by proto p\u0159i hodnocen\u00ed historick\u00fdch v\u00fdsledk\u016f nem\u011bl ro\u010dn\u00ed poplatky od dosa\u017een\u00e9ho \u010dist\u00e9ho v\u00fdnosu ode\u010d\u00edtat podruh\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010ct\u011bte tak\u00e9: <a href=\"https:\/\/trader-magazine.com\/cs\/akademie\/co-je-etf-jak-burzovne-obchodovane-fondy-skutecne-funguji\/\">Co je ETF? Jak burzovn\u011b obchodovan\u00e9 fondy skute\u010dn\u011b funguj\u00ed<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Kolik v\u00e1s stoj\u00ed ro\u010dn\u00ed n\u00e1kladovost ETF 0,20 % za 10, 20 a 30 let?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Abychom pochopili skute\u010dn\u00fd dlouhodob\u00fd dopad poplatk\u016f ETF, p\u0159edstavme si investora, kter\u00fd vlo\u017e\u00ed 10 000 dolar\u016f do burzovn\u011b obchodovan\u00e9ho fondu a nech\u00e1 pen\u00edze investovan\u00e9 po dobu n\u011bkolika desetilet\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Porovn\u00e1me t\u0159i r\u016fzn\u00e9 \u00farovn\u011b ro\u010dn\u00ed n\u00e1kladovosti: 0 %, 0,20 % a 0,50 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ve v\u0161ech p\u0159\u00edpadech vych\u00e1z\u00edme ze stejn\u00fdch p\u0159edpoklad\u016f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Po\u010d\u00e1te\u010dn\u00ed investice: 10 000 dolar\u016f<\/li>\n\n\n\n<li>Ro\u010dn\u00ed v\u00fdnos p\u0159ed ode\u010dten\u00edm n\u00e1klad\u016f fondu: 7 %<\/li>\n\n\n\n<li>Investi\u010dn\u00ed horizont: 10, 20 a 30 let<\/li>\n\n\n\n<li>\u017d\u00e1dn\u00e9 dal\u0161\u00ed vklady ani v\u00fdb\u011bry<\/li>\n\n\n\n<li>Ve\u0161ker\u00e9 investi\u010dn\u00ed v\u00fdnosy se reinvestuj\u00ed<\/li>\n\n\n\n<li>Ro\u010dn\u00ed n\u00e1kladovost se v \u010dase nem\u011bn\u00ed<\/li>\n\n\n\n<li>V\u00fdpo\u010dty nezohled\u0148uj\u00ed dan\u011b, obchodn\u00ed n\u00e1klady ani inflaci<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pro zjednodu\u0161en\u00ed po\u010d\u00edt\u00e1me s ro\u010dn\u00edm v\u00fdnosem odpov\u00eddaj\u00edc\u00edm 7 % po ode\u010dten\u00ed p\u0159\u00edslu\u0161n\u00e9 ro\u010dn\u00ed n\u00e1kladovosti a s ro\u010dn\u00edm slo\u017een\u00fdm \u00faro\u010den\u00edm. Ve skute\u010dnosti se n\u00e1klady ETF \u00fa\u010dtuj\u00ed pr\u016fb\u011b\u017en\u011b, tak\u017ee re\u00e1ln\u00e9 v\u00fdsledky se mohou m\u00edrn\u011b li\u0161it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Srovn\u00e1n\u00ed poplatk\u016f ETF: Jak se projev\u00ed na hodnot\u011b investice?<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Investi\u010dn\u00ed horizont<\/th><th>Bez ro\u010dn\u00edho poplatku<\/th><th>Poplatek 0,20 %<\/th><th>Poplatek 0,50 %<\/th><\/tr><tr><td>10 let<\/td><td>19 672 USD<\/td><td>19 307 USD<\/td><td>18 771 USD<\/td><\/tr><tr><td>20 let<\/td><td>38 697 USD<\/td><td>37 276 USD<\/td><td>35 236 USD<\/td><\/tr><tr><td>30 let<\/td><td>76 123 USD<\/td><td>71 968 USD<\/td><td>66 144 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Zdroj: Ilustra\u010dn\u00ed v\u00fdpo\u010dty vych\u00e1zej\u00edc\u00ed z po\u010d\u00e1te\u010dn\u00ed investice 10 000 USD a konstantn\u00edho ro\u010dn\u00edho v\u00fdnosu 7 % p\u0159ed ode\u010dten\u00edm n\u00e1klad\u016f. Hodnoty jsou zaokrouhleny na cel\u00e9 dolary. Varianta bez poplatk\u016f p\u0159edstavuje hypotetick\u00fd srovn\u00e1vac\u00ed sc\u00e9n\u00e1\u0159, nikoli doporu\u010den\u00ed konkr\u00e9tn\u00edho ETF.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdsledky ukazuj\u00ed, \u017ee i ro\u010dn\u00ed n\u00e1kladovost ETF ve v\u00fd\u0161i pouh\u00fdch 0,20 % m\u016f\u017ee vytvo\u0159it m\u011b\u0159iteln\u00fd rozd\u00edl mezi teoretick\u00fdm v\u00fdnosem investice bez n\u00e1klad\u016f a \u010d\u00e1stkou, kterou investor nakonec skute\u010dn\u011b z\u00edsk\u00e1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Po 10 letech: Poplatek 0,20 % v\u00e1s p\u0159iprav\u00ed p\u0159ibli\u017en\u011b o 365 dolar\u016f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011bhem prvn\u00edho desetilet\u00ed z\u016fst\u00e1v\u00e1 rozd\u00edl relativn\u011b mal\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bez jak\u00fdchkoli provozn\u00edch n\u00e1klad\u016f by p\u016fvodn\u00ed investice 10 000 dolar\u016f vzrostla p\u0159ibli\u017en\u011b na 19 672 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ETF s ro\u010dn\u00edm poplatkem 0,20 % by za stejn\u00fdch podm\u00ednek dos\u00e1hlo hodnoty zhruba 19 307 dolar\u016f. Investor by tak m\u011bl o 365 dolar\u016f m\u00e9n\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i n\u00e1kladovosti 0,50 % by hodnota investice \u010dinila p\u0159ibli\u017en\u011b 18 771 dolar\u016f, co\u017e p\u0159edstavuje rozd\u00edl asi 900 dolar\u016f oproti hypotetick\u00e9mu sc\u00e9n\u00e1\u0159i bez poplatk\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro investory, kte\u0159\u00ed pl\u00e1nuj\u00ed dr\u017eet ETF pouze n\u011bkolik let, proto nemus\u00ed b\u00fdt rozd\u00edly mezi relativn\u011b n\u00edzk\u00fdmi poplatky tak z\u00e1sadn\u00ed jako jin\u00e9 faktory, nap\u0159\u00edklad slo\u017een\u00ed portfolia, likvidita nebo investi\u010dn\u00ed riziko.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Po 20 letech: N\u00e1klady narostou na v\u00edce ne\u017e 1 400 dolar\u016f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V horizontu dvaceti let u\u017e za\u010d\u00edn\u00e1 b\u00fdt vliv poplatk\u016f podstatn\u011b v\u00fdrazn\u011bj\u0161\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investice bez ro\u010dn\u00edho poplatku by dos\u00e1hla p\u0159ibli\u017en\u011b 38 697 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i n\u00e1kladovosti 0,20 % by portfolio vzrostlo na p\u0159ibli\u017en\u011b 37 276 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rozd\u00edl tak \u010din\u00ed zhruba 1 421 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fond s poplatkem 0,50 % by m\u011bl kone\u010dnou hodnotu p\u0159ibli\u017en\u011b 35 236 dolar\u016f. Investor by tedy oproti variant\u011b bez n\u00e1klad\u016f p\u0159i\u0161el o potenci\u00e1ln\u00ed hodnotu zhruba 3 460 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento rozd\u00edl p\u0159itom nevznik\u00e1 pouze samotn\u00fdm ode\u010d\u00edt\u00e1n\u00edm provozn\u00edch n\u00e1klad\u016f. Zahrnuje tak\u00e9 investi\u010dn\u00ed v\u00fdnosy, kter\u00e9 by str\u017een\u00e9 prost\u0159edky mohly v n\u00e1sleduj\u00edc\u00edch letech vytvo\u0159it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Po 30 letech: I mal\u00fd poplatek znamen\u00e1 v\u00fdrazn\u00fd rozd\u00edl<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Nejv\u011bt\u0161\u00ed efekt je patrn\u00fd p\u0159i t\u0159icetilet\u00e9m investi\u010dn\u00edm horizontu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud bychom p\u0159edpokl\u00e1dali stejn\u00fd hrub\u00fd ro\u010dn\u00ed v\u00fdnos 7 %, p\u016fvodn\u00ed investice 10 000 dolar\u016f by bez provozn\u00edch n\u00e1klad\u016f vzrostla na p\u0159ibli\u017en\u011b 76 123 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i ro\u010dn\u00ed n\u00e1kladovosti 0,20 % by kone\u010dn\u00e1 hodnota portfolia dos\u00e1hla zhruba 71 968 dolar\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rozd\u00edl by tak \u010dinil p\u0159ibli\u017en\u011b&nbsp;<strong>4 155 dolar\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud by fond \u00fa\u010dtoval 0,50 % ro\u010dn\u011b, investor by nashrom\u00e1\u017edil p\u0159ibli\u017en\u011b 66 144 dolar\u016f, tedy t\u00e9m\u011b\u0159 o 10 000 dolar\u016f m\u00e9n\u011b ne\u017e v hypotetick\u00e9m sc\u00e9n\u00e1\u0159i bez poplatk\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je\u0161t\u011b zaj\u00edmav\u011bj\u0161\u00ed je p\u0159\u00edm\u00e9 srovn\u00e1n\u00ed dvou fond\u016f s n\u00e1kladovost\u00ed 0,20 % a 0,50 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159esto\u017ee oba za\u010d\u00ednaj\u00ed se stejn\u00fdm kapit\u00e1lem a dosahuj\u00ed toto\u017en\u00e9ho p\u0159edpokl\u00e1dan\u00e9ho v\u00fdnosu p\u0159ed n\u00e1klady, po 30 letech by rozd\u00edl mezi nimi p\u0159edstavoval p\u0159ibli\u017en\u011b&nbsp;<strong>5 824 dolar\u016f<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b tento p\u0159\u00edklad ukazuje, pro\u010d m\u016f\u017ee i n\u011bkolik desetin procentn\u00edho bodu rozhodovat o kone\u010dn\u00e9m v\u00fdsledku dlouhodob\u00e9 investice.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u010ct\u011bte tak\u00e9: <a href=\"https:\/\/trader-magazine.com\/cs\/akademie\/nemovitostni-etf-jak-investovat-do-realit-prostrednictvim-fondu-reit\/\">Nemovitostn\u00ed ETF: Jak investovat do realit prost\u0159ednictv\u00edm fond\u016f REIT<\/a><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d poplatky ETF p\u016fsob\u00ed proti slo\u017een\u00e9mu \u00faro\u010den\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u011bt\u0161ina investor\u016f zn\u00e1 princip slo\u017een\u00e9ho \u00faro\u010den\u00ed. Investi\u010dn\u00ed v\u00fdnosy se postupn\u011b p\u0159id\u00e1vaj\u00ed k p\u016fvodn\u00edmu kapit\u00e1lu a v dal\u0161\u00edch letech mohou samy vytv\u00e1\u0159et nov\u00e9 v\u00fdnosy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poplatky v\u0161ak funguj\u00ed opa\u010dn\u00fdm sm\u011brem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e ETF ode\u010dte provozn\u00ed n\u00e1klady ze sv\u00e9ho majetku, tyto prost\u0159edky ji\u017e nemohou b\u00fdt vyu\u017eity k dal\u0161\u00edmu investov\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bezprost\u0159edn\u00ed n\u00e1klad m\u016f\u017ee b\u00fdt mal\u00fd, ale jeho dlouhodob\u00e1 alternativn\u00ed cena roste spole\u010dn\u011b s d\u00e9lkou investi\u010dn\u00edho horizontu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159edstavme si investora, kter\u00fd se rozhoduje mezi dv\u011bma jinak toto\u017en\u00fdmi ETF. Prvn\u00ed m\u00e1 ro\u010dn\u00ed n\u00e1kladovost 0,20 %, druh\u00e9 0,50 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rozd\u00edl \u010din\u00ed pouze 0,30 procentn\u00edho bodu ro\u010dn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U portfolia v hodnot\u011b 10 000 dolar\u016f jde zpo\u010d\u00e1tku p\u0159ibli\u017en\u011b o 30 dolar\u016f ro\u010dn\u011b. Dlouhodob\u00fd dopad v\u0161ak nelze vyj\u00e1d\u0159it pouh\u00fdm opakovan\u00fdm ode\u010d\u00edt\u00e1n\u00edm t\u00e9to \u010d\u00e1stky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak portfolio roste, zvy\u0161uje se tak\u00e9 absolutn\u00ed v\u00fd\u0161e provozn\u00edch n\u00e1klad\u016f. Ka\u017ed\u00fd dolar zaplacen\u00fd na vy\u0161\u0161\u00edch poplatc\u00edch z\u00e1rove\u0148 ztr\u00e1c\u00ed p\u0159\u00edle\u017eitost vytv\u00e1\u0159et v budoucnu dal\u0161\u00ed v\u00fdnosy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1v\u011b proto je vztah mezi investi\u010dn\u00edmi n\u00e1klady a \u010dasem tak d\u016fle\u017eit\u00fd.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Je ro\u010dn\u00ed n\u00e1kladovost ETF 0,20 % vysok\u00e1?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To, zda je ro\u010dn\u00ed n\u00e1kladovost ETF ve v\u00fd\u0161i 0,20 % konkurenceschopn\u00e1, z\u00e1vis\u00ed p\u0159edev\u0161\u00edm na typu fondu a investi\u010dn\u00ed strategii, kterou sleduje.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0160iroce diverzifikovan\u00e1 indexov\u00e1 ETF, zejm\u00e9na ta zam\u011b\u0159en\u00e1 na hlavn\u00ed americk\u00e9 akciov\u00e9 indexy, mezi sebou \u010dasto v\u00fdrazn\u011b sout\u011b\u017e\u00ed pr\u00e1v\u011b v\u00fd\u0161\u00ed poplatk\u016f. Investo\u0159i proto mohou naj\u00edt produkty s ro\u010dn\u00ed n\u00e1kladovost\u00ed podstatn\u011b ni\u017e\u0161\u00ed ne\u017e 0,20 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naopak fondy zam\u011b\u0159en\u00e9 na konkr\u00e9tn\u00ed odv\u011btv\u00ed, men\u0161\u00ed trhy, specializovan\u00e9 t\u0159\u00eddy aktiv nebo slo\u017eit\u011bj\u0161\u00ed investi\u010dn\u00ed strategie mohou \u00fa\u010dtovat vy\u0161\u0161\u00ed poplatky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vy\u0161\u0161\u00ed n\u00e1kladovost mohou m\u00edt tak\u00e9 aktivn\u011b spravovan\u00e1 ETF, proto\u017ee jejich investi\u010dn\u00ed rozhodov\u00e1n\u00ed vy\u017eaduje pr\u016fb\u011b\u017en\u00e9 anal\u00fdzy, spr\u00e1vu portfolia a obchodov\u00e1n\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To znamen\u00e1, \u017ee srovn\u00e1vat ro\u010dn\u00ed n\u00e1kladovost m\u00e1 nejv\u011bt\u0161\u00ed smysl u fond\u016f, kter\u00e9 nab\u00edzej\u00ed podobnou investi\u010dn\u00ed expozici.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ETF sleduj\u00edc\u00ed \u0161irok\u00fd americk\u00fd akciov\u00fd index nelze automaticky pova\u017eovat za lep\u0161\u00ed investici ne\u017e fond zam\u011b\u0159en\u00fd na rozv\u00edjej\u00edc\u00ed se trhy nebo dluhopisy pouze proto, \u017ee m\u00e1 ni\u017e\u0161\u00ed ro\u010dn\u00ed poplatek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podkladov\u00e1 aktiva, investi\u010dn\u00ed c\u00edle i souvisej\u00edc\u00ed rizika jsou toti\u017e odli\u0161n\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dokonce i dv\u011b ETF sleduj\u00edc\u00ed stejn\u00fd index se mohou li\u0161it zp\u016fsobem replikace, likviditou nebo schopnost\u00ed p\u0159esn\u011b kop\u00edrovat v\u00fdkonnost sledovan\u00e9ho benchmarku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nejlevn\u011bj\u0161\u00ed ETF proto nemus\u00ed b\u00fdt automaticky nejlep\u0161\u00edm ETF. Pokud jsou v\u0161ak ostatn\u00ed d\u016fle\u017eit\u00e9 vlastnosti srovnateln\u00e9, ni\u017e\u0161\u00ed poplatky p\u0159edstavuj\u00ed jednozna\u010dnou v\u00fdhodu.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ro\u010dn\u00ed n\u00e1kladovost nen\u00ed jedin\u00fdm n\u00e1kladem ETF. Na co si d\u00e1t pozor?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159esto\u017ee je ro\u010dn\u00ed n\u00e1kladovost jedn\u00edm z nejviditeln\u011bj\u0161\u00edch ukazatel\u016f n\u00e1klad\u016f ETF, nezahrnuje v\u0161echny v\u00fddaje spojen\u00e9 s n\u00e1kupem, dr\u017een\u00edm a prodejem fondu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investor m\u016f\u017ee nap\u0159\u00edklad platit obchodn\u00ed komise brokerovi p\u0159i n\u00e1kupu nebo prodeji pod\u00edlov\u00fdch jednotek ETF. Dal\u0161\u00edm nep\u0159\u00edm\u00fdm n\u00e1kladem je takzvan\u00fd bid-ask spread, tedy rozd\u00edl mezi n\u00e1kupn\u00ed a prodejn\u00ed cenou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkter\u00e1 ETF se nav\u00edc mohou obchodovat za cenu vy\u0161\u0161\u00ed nebo ni\u017e\u0161\u00ed, ne\u017e odpov\u00edd\u00e1 jejich \u010dist\u00e9 hodnot\u011b aktiv. K t\u011bmto odchylk\u00e1m m\u016f\u017ee doch\u00e1zet zejm\u00e9na v obdob\u00ed zv\u00fd\u0161en\u00e9 volatility na finan\u010dn\u00edch trz\u00edch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro mezin\u00e1rodn\u00ed investory mohou b\u00fdt d\u016fle\u017eit\u00e9 tak\u00e9 n\u00e1klady na m\u011bnovou konverzi p\u0159i n\u00e1kupu ETF obchodovan\u00fdch v zahrani\u010dn\u00edch m\u011bn\u00e1ch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dal\u0161\u00edm podstatn\u00fdm ukazatelem je takzvan\u00e1 tracking difference, tedy rozd\u00edl ve v\u00fdkonnosti fondu oproti sledovan\u00e9mu indexu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neovliv\u0148uje ji pouze ro\u010dn\u00ed n\u00e1kladovost ETF, ale tak\u00e9 dal\u0161\u00ed faktory, nap\u0159\u00edklad transak\u010dn\u00ed n\u00e1klady uvnit\u0159 fondu, zp\u016fsob replikace indexu, da\u0148ov\u00e9 zat\u00ed\u017een\u00ed nebo p\u0159\u00edjmy z p\u016fj\u010dov\u00e1n\u00ed cenn\u00fdch pap\u00edr\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u016f\u017ee se proto st\u00e1t, \u017ee ETF s m\u00edrn\u011b vy\u0161\u0161\u00ed n\u00e1kladovost\u00ed dos\u00e1hne v ur\u010dit\u00e9m obdob\u00ed lep\u0161\u00edho \u010dist\u00e9ho v\u00fdsledku ne\u017e levn\u011bj\u0161\u00ed konkurent sleduj\u00edc\u00ed stejn\u00fd benchmark.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investo\u0159i by proto nem\u011bli posuzovat fond pouze podle deklarovan\u00e9ho ro\u010dn\u00edho poplatku, ale tak\u00e9 podle jeho skute\u010dn\u00e9 v\u00fdkonnosti a investi\u010dn\u00ed struktury.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kde zjistit ro\u010dn\u00ed n\u00e1kladovost konkr\u00e9tn\u00edho ETF?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ro\u010dn\u00ed n\u00e1kladovost ETF lze zpravidla dohledat na ofici\u00e1ln\u00edch internetov\u00fdch str\u00e1nk\u00e1ch spr\u00e1vce fondu, v jeho prospektu nebo v dal\u0161\u00edch regulatorn\u00edch dokumentech.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prospekt obsahuje podrobn\u011bj\u0161\u00ed rozpis provozn\u00edch n\u00e1klad\u016f a vysv\u011btluje, kter\u00e9 v\u00fddaje jsou do deklarovan\u00e9 n\u00e1kladovosti zahrnuty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Evrop\u0161t\u00ed investo\u0159i se mohou setkat nap\u0159\u00edklad s ukazatelem TER (Total Expense Ratio), p\u0159\u00edpadn\u011b s ozna\u010den\u00edm pr\u016fb\u011b\u017en\u00e9 n\u00e1klady nebo ongoing charges. Tyto ukazatele se pou\u017e\u00edvaj\u00ed k vyj\u00e1d\u0159en\u00ed pravideln\u00fdch n\u00e1klad\u016f fondu, jejich p\u0159esn\u00fd rozsah se v\u0161ak m\u016f\u017ee li\u0161it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U americk\u00fdch ETF lze v n\u011bkter\u00fdch p\u0159\u00edpadech narazit tak\u00e9 na dv\u011b r\u016fzn\u00e9 hodnoty n\u00e1kladovosti: hrubou a \u010distou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hrub\u00e1 n\u00e1kladovost p\u0159edstavuje n\u00e1klady fondu p\u0159ed p\u0159\u00edpadn\u00fdmi slevami nebo kompenzacemi ze strany spr\u00e1vce. \u010cist\u00e1 n\u00e1kladovost ji\u017e tyto \u00fapravy zohled\u0148uje, a m\u016f\u017ee proto l\u00e9pe vypov\u00eddat o n\u00e1kladech, kter\u00e9 aktu\u00e1ln\u011b nesou investo\u0159i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je v\u0161ak pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee n\u011bkter\u00e9 \u00falevy na poplatc\u00edch mohou b\u00fdt pouze do\u010dasn\u00e9. Po jejich skon\u010den\u00ed se tak mohou provozn\u00ed n\u00e1klady fondu zv\u00fd\u0161it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i porovn\u00e1v\u00e1n\u00ed jednotliv\u00fdch ETF by proto m\u011bl investor ov\u011b\u0159it, zda srovn\u00e1v\u00e1 stejn\u00e9 ukazatele a zda p\u0159\u00edpadn\u00e9 sn\u00ed\u017een\u00e9 poplatky nejsou \u010dasov\u011b omezen\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010casto kladen\u00e9 ot\u00e1zky o poplatc\u00edch ETF<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Plat\u00ed se ro\u010dn\u00ed n\u00e1kladovost ETF ka\u017ed\u00fd rok?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ano. Ro\u010dn\u00ed n\u00e1kladovost p\u0159edstavuje pr\u016fb\u011b\u017en\u00fd n\u00e1klad fondu, investor jej v\u0161ak obvykle nehrad\u00ed prost\u0159ednictv\u00edm samostatn\u00e9 ro\u010dn\u00ed platby. N\u00e1klady se \u00fa\u010dtuj\u00ed uvnit\u0159 ETF a prom\u00edtaj\u00ed se do \u010dist\u00e9 hodnoty aktiv a dosa\u017een\u00e9 investi\u010dn\u00ed v\u00fdkonnosti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Po\u010d\u00edtaj\u00ed se poplatky ETF pouze ze zisku, nebo z cel\u00e9 investice?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ro\u010dn\u00ed n\u00e1kladovost se vypo\u010d\u00edt\u00e1v\u00e1 ve vztahu k pr\u016fm\u011brn\u00fdm \u010dist\u00fdm aktiv\u016fm fondu, nikoli pouze k dosa\u017een\u00fdm zisk\u016fm. Pokud se hodnota investice m\u011bn\u00ed, odpov\u00eddaj\u00edc\u00edm zp\u016fsobem se m\u011bn\u00ed tak\u00e9 absolutn\u00ed \u010d\u00e1stka n\u00e1klad\u016f p\u0159ipadaj\u00edc\u00ed na konkr\u00e9tn\u00ed investici.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Plat\u00ed se poplatky ETF i tehdy, kdy\u017e trhy klesaj\u00ed?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ano. Provozn\u00ed n\u00e1klady fondu se zpravidla \u00fa\u010dtuj\u00ed tak\u00e9 v obdob\u00ed z\u00e1porn\u00e9 investi\u010dn\u00ed v\u00fdkonnosti. Pokud tedy podkladov\u00e1 aktiva ETF ztr\u00e1cej\u00ed hodnotu, pr\u016fb\u011b\u017en\u00e9 n\u00e1klady mohou \u010dist\u00fd v\u00fdnos investora je\u0161t\u011b m\u00edrn\u011b zhor\u0161it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Vyplat\u00ed se zm\u011bnit ETF kv\u016fli \u00faspo\u0159e 0,10 % ro\u010dn\u011b?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00e1le\u017e\u00ed na hodnot\u011b investice, p\u0159edpokl\u00e1dan\u00e9 dob\u011b dr\u017een\u00ed i n\u00e1kladech spojen\u00fdch se zm\u011bnou fondu. Ni\u017e\u0161\u00ed ro\u010dn\u00ed n\u00e1kladovost ETF m\u016f\u017ee zlep\u0161it dlouhodobou v\u00fdkonnost portfolia, ale obchodn\u00ed poplatky, dan\u011b, bid-ask spread nebo rozd\u00edly v investi\u010dn\u00ed struktu\u0159e mohou \u010d\u00e1st potenci\u00e1ln\u00ed \u00faspory sn\u00ed\u017eit \u010di zcela vymazat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Z\u00e1v\u011br: Mal\u00e9 poplatky ETF mohou m\u00edt velk\u00e9 dlouhodob\u00e9 d\u016fsledky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ro\u010dn\u00ed n\u00e1kladovost ETF ve v\u00fd\u0161i 0,20 % m\u016f\u017ee na prvn\u00ed pohled p\u016fsobit zanedbateln\u011b. Pro investora, kter\u00fd za\u010d\u00edn\u00e1 s kapit\u00e1lem 10 000 dolar\u016f, p\u0159edstavuje zpo\u010d\u00e1tku p\u0159ibli\u017en\u011b 20 dolar\u016f ro\u010dn\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i t\u0159icetilet\u00e9m investi\u010dn\u00edm horizontu a konstantn\u00edm p\u0159edpokl\u00e1dan\u00e9m v\u00fdnosu 7 % ro\u010dn\u011b p\u0159ed ode\u010dten\u00edm n\u00e1klad\u016f v\u0161ak takov\u00fd poplatek sn\u00ed\u017e\u00ed hypotetickou kone\u010dnou hodnotu portfolia p\u0159ibli\u017en\u011b o 4 155 dolar\u016f oproti variant\u011b bez provozn\u00edch n\u00e1klad\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159i porovn\u00e1n\u00ed fond\u016f s v\u00fdrazn\u011b odli\u0161nou n\u00e1kladovost\u00ed m\u016f\u017ee b\u00fdt rozd\u00edl je\u0161t\u011b v\u011bt\u0161\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro dlouhodob\u00e9 investory z toho nevypl\u00fdv\u00e1, \u017ee by se m\u011bli automaticky vyh\u00fdbat v\u0161em ETF, jejich\u017e poplatky nejsou absolutn\u011b nejni\u017e\u0161\u00ed. D\u016fle\u017eit\u00e9 je p\u0159edev\u0161\u00edm rozum\u011bt tomu, jakou hodnotu fond za sv\u00e9 pr\u016fb\u011b\u017en\u00e9 n\u00e1klady nab\u00edz\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Investi\u010dn\u00ed strategie, diverzifikace, kvalita sledov\u00e1n\u00ed indexu nebo rizikov\u00fd profil z\u016fst\u00e1vaj\u00ed z\u00e1sadn\u00edmi faktory p\u0159i v\u00fdb\u011bru vhodn\u00e9ho ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud v\u0161ak dva fondy nab\u00edzej\u00ed srovnatelnou investi\u010dn\u00ed expozici a podobn\u00e9 v\u00fdkonnostn\u00ed charakteristiky, ni\u017e\u0161\u00ed n\u00e1klady p\u0159edstavuj\u00ed v\u00fdhodu, jej\u00ed\u017e v\u00fdznam m\u016f\u017ee s p\u0159ib\u00fdvaj\u00edc\u00edmi lety r\u016fst.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investo\u0159i nemohou ovlivnit budouc\u00ed v\u00fdvoj finan\u010dn\u00edch trh\u016f. Mohou v\u0161ak v\u011bnovat pozornost poplatk\u016fm, kter\u00e9 rozhoduj\u00ed o tom, jak velk\u00e1 \u010d\u00e1st dosa\u017een\u00fdch v\u00fdnos\u016f jim nakonec z\u016fstane.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Upozorn\u011bn\u00ed: Tento \u010dl\u00e1nek m\u00e1 pouze vzd\u011bl\u00e1vac\u00ed charakter a nep\u0159edstavuje investi\u010dn\u00ed doporu\u010den\u00ed. Uveden\u00e9 v\u00fdpo\u010dty jsou hypotetick\u00e9 a nelze je pova\u017eovat za progn\u00f3zu ani z\u00e1ruku budouc\u00ed v\u00fdkonnosti. Skute\u010dn\u00e9 investi\u010dn\u00ed v\u00fdnosy kol\u00edsaj\u00ed a investor m\u016f\u017ee utrp\u011bt ztr\u00e1tu.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ro\u010dn\u00ed poplatek ETF ve v\u00fd\u0161i 0,20 % m\u016f\u017ee na prvn\u00ed pohled p\u016fsobit t\u00e9m\u011b\u0159 zanedbateln\u011b. P\u0159i investici 10 000 dolar\u016f toti\u017e p\u0159edstavuje p\u0159ibli\u017en\u011b 20 dolar\u016f ro\u010dn\u011b. Investi\u010dn\u00ed poplatky v\u0161ak maj\u00ed jeden m\u00e9n\u011b viditeln\u00fd d\u016fsledek. Nesni\u017euj\u00ed pouze hodnotu investice dnes, ale tak\u00e9 budouc\u00ed v\u00fdnosy, kter\u00e9 by tyto pen\u00edze mohly p\u0159in\u00e9st. V horizontu 10, 20 nebo 30 let [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":90735,"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":[5613,6170],"class_list":["post-90752","post","type-post","status-publish","format-standard","has-post-thumbnail","category-akademie","tag-akademie","tag-etf"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.3 - aioseo.com -->\n\t<meta name=\"description\" content=\"Zjist\u011bte, jak ro\u010dn\u00ed n\u00e1kladovost ETF 0,20 % ovlivn\u00ed va\u0161e investice za 10, 20 a 30 let. 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