[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.propp.cz\/statni-dluhopisy-dobra-investice\/#Article","mainEntityOfPage":"https:\/\/www.propp.cz\/statni-dluhopisy-dobra-investice\/","headline":"St\u00e1tn\u00ed dluhopisy – dobr\u00e1 investice?","name":"St\u00e1tn\u00ed dluhopisy – dobr\u00e1 investice?","description":"Dne\u0161n\u00ed doba je opravdu velice zaj\u00edmav\u00e1, netradi\u010dn\u00ed a pro n\u00e1s v\u0161echny \u00fapln\u011b nov\u00e1. Jak jde vid\u011bt ani sama vl\u00e1da nev\u00ed, co si po\u010dnout, a to hlavn\u011b v oblasti financ\u00ed, se kter\u00fdmi je n\u00e1\u0161 st\u00e1t opravdu, jak se \u0159\u00edk\u00e1, na \u0161t\u00edru. D\u016fvodem je st\u00e1le rostouc\u00ed st\u00e1tn\u00ed dluh a tak\u00e9 schodek, u kter\u00e9ho je na vin\u011b hlavn\u011b […]","datePublished":"2021-05-14","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.propp.cz\/author\/#Person","name":"","url":"https:\/\/www.propp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"propp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.propp.cz\/wp-content\/uploads\/Rostouc%C3%AD%20finance.jpg","url":"https:\/\/www.propp.cz\/wp-content\/uploads\/Rostouc%C3%AD%20finance.jpg","height":0,"width":0},"url":"https:\/\/www.propp.cz\/statni-dluhopisy-dobra-investice\/","about":["Pen\u00edze"],"wordCount":538,"articleBody":"      Dne\u0161n\u00ed doba je opravdu velice zaj\u00edmav\u00e1, netradi\u010dn\u00ed a pro n\u00e1s v\u0161echny \u00fapln\u011b nov\u00e1. Jak jde vid\u011bt ani sama vl\u00e1da nev\u00ed, co si po\u010dnout, a to hlavn\u011b v oblasti financ\u00ed, se kter\u00fdmi je n\u00e1\u0161 st\u00e1t opravdu, jak se \u0159\u00edk\u00e1, na \u0161t\u00edru. D\u016fvodem je st\u00e1le rostouc\u00ed st\u00e1tn\u00ed dluh a tak\u00e9 schodek, u kter\u00e9ho je na vin\u011b hlavn\u011b covidov\u00e1 pandemie a zmate\u010dn\u00e9 a podez\u0159el\u00e9 jedn\u00e1n\u00ed na\u0161\u00ed vl\u00e1dy. Do t\u00e9to problematiky se dnes ov\u0161em zamot\u00e1vat nebudeme, tak\u017ee rovnou k v\u011bci. Zoufal\u00e9 \u010dasy si \u017e\u00e1daj\u00ed zoufal\u00e9 \u010diny. Za takov\u00fd zoufal\u00fd \u010din by se dala pova\u017eovat i p\u0159edv\u00e1no\u010dn\u00ed reklama ministryn\u011b financ\u00ed, jej\u00ed\u017e \u00fakolem byla podpora investov\u00e1n\u00ed ob\u010dan\u016f do st\u00e1tn\u00edch dluhopis\u016f Fahd.cz. Jsou ale tyto investice opravdu v\u00fdhodn\u00e9? A jak vlastn\u011b st\u00e1tn\u00ed dluhopisy funguj\u00ed?Princip st\u00e1tn\u00edch dluhopis\u016f je naprosto jednoduch\u00fd. Vy, jako ob\u010dan, poskytnete st\u00e1tu pen\u011b\u017en\u00ed prost\u0159edky, a st\u00e1t v\u00e1m na opl\u00e1tku vyd\u00e1 tzv. st\u00e1tn\u00ed dluhopis, kter\u00fdm se nejen zaru\u010duje, \u017ee v\u00e1m pen\u00edze vr\u00e1t\u00ed, ale tak\u00e9 to, \u017ee v\u00e1m vr\u00e1t\u00ed mnohem v\u011bt\u0161\u00ed \u010d\u00e1stku, tedy to, \u017ee va\u0161e investice bude z\u00faro\u010dena. V\u00fdsledkem tohoto obchodu by tak m\u011bl b\u00fdt jak spokojen\u00fd st\u00e1t, kter\u00fd z\u00edsk\u00e1 pen\u00edze, kter\u00e9 pot\u0159ebuje pro bezprobl\u00e9mov\u00fd chod st\u00e1tu, tak ob\u010dan, kter\u00fd ve fin\u00e1le vyd\u011bl\u00e1 a m\u00e1 kam ulo\u017eit nadbyte\u010dn\u00e9 pen\u00edze. Rovn\u011b\u017e m\u00e1 ob\u010dan pocit bezpe\u010d\u00ed, proto\u017ee st\u00e1tn\u00ed dluhopis by m\u011bl b\u00fdt nejspolehliv\u011bj\u0161\u00edm dluhopisem, proto\u017ee je mal\u00e1 pravd\u011bpodobnost toho, \u017ee pr\u00e1v\u011b st\u00e1t zkrachuje anebo si ud\u011bl\u00e1 tu ostudu, \u017ee sv\u00fdm ob\u010dan\u016fm pen\u00edze nevr\u00e1t\u00ed.Jsou ale opravdu dluhopisy tak v\u00fdhodn\u00e9, jak bylo propagov\u00e1no nap\u0159\u00edklad v ji\u017e zm\u00edn\u011bn\u00e9 reklam\u011b? Pro b\u011b\u017en\u00e9ho \u010dlov\u011bka, kter\u00fd nehodl\u00e1 investovat miliony, by byla nejsp\u00ed\u0161e odpov\u011b\u010f naprosto jednoduch\u00e1 a to jednozna\u010dn\u00e9 ne. Na druhou stranu i milion\u00e1\u0159 si ve fin\u00e1ln\u00ed f\u00e1zi najde investici mnohem lep\u0161\u00ed a v\u00fdnosn\u011bj\u0161\u00ed ne\u017e do dluhopis\u016f tohoto typu. Pl\u00e1nujete-li tedy koupi n\u011bjak\u00fdch t\u011bch dluhopis\u016f rozhodn\u011b nepo\u010d\u00edtejte s t\u00edm, \u017ee se z v\u00e1s d\u00edky nim stanou milion\u00e1\u0159i. Velk\u00fdm probl\u00e9mem p\u0159i vlastnictv\u00ed tohoto cenn\u00e9ho pap\u00edru je tak\u00e9 inflace. Nab\u00edz\u00ed se ov\u0161em tak\u00e9 mo\u017enost po\u0159\u00edzen\u00ed protiinfla\u010dn\u00edch dluhopis\u016f, kter\u00e9 jsou chr\u00e1n\u011bny a k\u0159ivku inflace tedy opisuj\u00ed.Rada na z\u00e1v\u011br tak zn\u00ed, pokud chcete sv\u00e9 pen\u00edze dob\u0159e ulo\u017eit, a je\u0161t\u011b k tomu z\u00faro\u010dit, rozhodn\u011b se st\u00e1le v\u00edce vyplat\u00ed investice nap\u0159\u00edklad od drah\u00fdch kov\u016f, nemovitost\u00ed, co\u017e m\u016f\u017ee b\u00fdt nejen koup\u011b domu anebo pozemku, ale tak\u00e9 t\u0159eba bytu, kter\u00fd m\u016f\u017eete n\u00e1sledn\u011b pronaj\u00edmat. Zkusit m\u016f\u017eete tak\u00e9 historick\u00e9 prvky, ov\u0161em to u\u017e vy\u017eaduje trochu v\u011bt\u0161\u00ed mno\u017estv\u00ed \u010dasu a tak\u00e9 znalost\u00ed, abyste ve fin\u00e1le sp\u00ed\u0161e neprod\u011blali.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"St\u00e1tn\u00ed dluhopisy – dobr\u00e1 investice?","item":"https:\/\/www.propp.cz\/statni-dluhopisy-dobra-investice\/#breadcrumbitem"}]}]