[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aped.cz\/investicni-podilove-fondy-jaka-je-jejich-skutecna-vynosnost\/#Article","mainEntityOfPage":"https:\/\/www.aped.cz\/investicni-podilove-fondy-jaka-je-jejich-skutecna-vynosnost\/","headline":"Investi\u010dn\u00ed pod\u00edlov\u00e9 fondy \u2013 jak\u00e1 je jejich skute\u010dn\u00e1 v\u00fdnosnost?","name":"Investi\u010dn\u00ed pod\u00edlov\u00e9 fondy \u2013 jak\u00e1 je jejich skute\u010dn\u00e1 v\u00fdnosnost?","description":"Pod\u00edlov\u00e9 fondy pat\u0159\u00ed v \u010cesku mezi nejobl\u00edben\u011bj\u0161\u00ed investi\u010dn\u00ed n\u00e1stroje. Jsou toti\u017e velmi jednoduch\u00e9. Sta\u010d\u00ed vlo\u017eit pen\u00edze do fondu a ostatn\u00ed […]","datePublished":"2021-01-17","dateModified":"2023-08-17","author":{"@type":"Person","@id":"https:\/\/www.aped.cz\/author\/#Person","name":"","url":"https:\/\/www.aped.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aped.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aped.cz\/wp-content\/uploads\/kalkula%C4%8Dka_vTkiIS.jpg","url":"https:\/\/www.aped.cz\/wp-content\/uploads\/kalkula%C4%8Dka_vTkiIS.jpg","height":0,"width":0},"url":"https:\/\/www.aped.cz\/investicni-podilove-fondy-jaka-je-jejich-skutecna-vynosnost\/","about":["Finance"],"wordCount":400,"articleBody":"      Pod\u00edlov\u00e9 fondy pat\u0159\u00ed v \u010cesku mezi nejobl\u00edben\u011bj\u0161\u00ed investi\u010dn\u00ed n\u00e1stroje. Jsou toti\u017e velmi jednoduch\u00e9. Sta\u010d\u00ed vlo\u017eit pen\u00edze do fondu a ostatn\u00ed za\u0159\u00edd\u00ed jeho spr\u00e1vci. Ti za pen\u00edze investor\u016f nakupuj\u00ed nap\u0159\u00edklad akcie nebo dluhopisy. Bohu\u017eel za pohodl\u00ed se plat\u00ed a pod\u00edlov\u00e9 fondy nejsou v\u00fdjimkou.   V\u00fdnosnost versus poplatky  V\u00fdkonnost fond\u016f je v\u00fdrazn\u011b ovlivn\u011bna rizikem, kter\u00e9 investor podstupuje. Pokud pat\u0159\u00edte mezi konzervativn\u00ed investory a nechcete riskovat, pravd\u011bpodobn\u011b skon\u010d\u00edte u dluhopisov\u00fdch fond\u016f nebo u fond\u016f pen\u011b\u017en\u00edho trhu. Vy\u0161\u0161\u00ed v\u00fdnos (ale tak\u00e9 vy\u0161\u0161\u00ed riziko) p\u0159edstavuj\u00ed fondy sm\u00ed\u0161en\u00e9 a akciov\u00e9. Fondy pen\u011b\u017en\u00edho trhu s minim\u00e1ln\u00edm rizikem vyd\u011blaj\u00ed asi 1-2 %. V\u00fdkonnost nad 2 % b\u00fdv\u00e1 v\u00fdsadou t\u011bch nej\u00fasp\u011b\u0161n\u011bj\u0161\u00edch fond\u016f. Vy\u0161\u0161\u00ed zisk je typick\u00fd pro dluhopisov\u00e9 a zaji\u0161t\u011bn\u00e9 fondy, kde m\u016f\u017eete o\u010dek\u00e1vat ro\u010dn\u00ed zhodnocen\u00ed kolem 3 %. Nej\u00fasp\u011b\u0161n\u011bj\u0161\u00ed dluhopisov\u00e9 fondy mohou p\u0159ekonat hranici 7 %. Sm\u00ed\u0161en\u00e9 fondy vyd\u011bl\u00e1vaj\u00ed a\u017e 10 % ro\u010dn\u011b, ov\u0161em obvykle zisk nep\u0159esahuje 5 %. Nejlep\u0161\u00ed akciov\u00e9 fondy se mohou pochlubit \u00fasp\u011b\u0161nost\u00ed p\u0159es 15 % ro\u010dn\u011b, ov\u0161em v\u011bt\u0161ina akciov\u00fdch fond\u016f nem\u00e1 dlouhodobou v\u00fdkonnost nad 8 % ro\u010dn\u011b.  Pod\u00edlov\u00e9 fondy a poplatky  Poplatek za spr\u00e1vu fondu (kolem 1 %) b\u00fdv\u00e1 zahrnut\u00fd v \u00fadaji o v\u00fdnosnosti fondu. Co ov\u0161em v o\u010dek\u00e1van\u00e9m zisku zahrnuto nen\u00ed, to je poplatek za vklad nebo v\u00fdkonnostn\u00ed poplatek. Je\u0161t\u011b ned\u00e1vno bylo b\u011b\u017en\u00e9, \u017ee za ka\u017ed\u00fd vklad do pod\u00edlov\u00e9ho fondu se platil poplatek kolem 3 %. Pro konzervativn\u00ed fondy (dluhopisov\u00e9, pen\u011b\u017en\u00edho trhu\u2026) byl poplatek v\u017edy ni\u017e\u0161\u00ed (1-3 %), zat\u00edmco progresivn\u00ed fondy si \u00fa\u010dtovaly a\u017e 5 %. Nyn\u00ed se od poplatk\u016f za vklad upou\u0161t\u00ed nebo se v\u00fdrazn\u011b sni\u017euj\u00ed. Naproti tomu se st\u00e1v\u00e1 standardem takzvan\u00fd v\u00fdkonnostn\u00ed poplatek (b\u011b\u017en\u011b kolem 10 %), kter\u00fd se ode\u010d\u00edt\u00e1 z dosa\u017een\u00e9ho zisku.  Celkov\u00e1 n\u00e1kladovost investi\u010dn\u00edho fondu b\u00fdv\u00e1 r\u016fzn\u00e1, ale re\u00e1ln\u011b se pohybuje kolem 2-3 % ro\u010dn\u011b. K tomu p\u0159ipo\u010d\u00edtejte p\u0159\u00edpadn\u00fd poplatek za vklad nebo poplatek za vystoupen\u00ed z fondu. Ve v\u00fdsledku mohou b\u00fdt i ziskov\u00e9 fondy kv\u016fli poplatk\u016fm po prvn\u00edm roce nev\u00fdhodn\u00e9, tak\u017ee je nezbytn\u00e9 investovat na del\u0161\u00ed dobu, nebo naj\u00edt lep\u0161\u00ed fond.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Investi\u010dn\u00ed pod\u00edlov\u00e9 fondy \u2013 jak\u00e1 je jejich skute\u010dn\u00e1 v\u00fdnosnost?","item":"https:\/\/www.aped.cz\/investicni-podilove-fondy-jaka-je-jejich-skutecna-vynosnost\/#breadcrumbitem"}]}]