[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.byrope.cz\/proc-si-pociname-hloupe\/#Article","mainEntityOfPage":"https:\/\/www.byrope.cz\/proc-si-pociname-hloupe\/","headline":"Pro\u010d si po\u010d\u00edn\u00e1me \u201ehloup\u011b\u201c?","name":"Pro\u010d si po\u010d\u00edn\u00e1me \u201ehloup\u011b\u201c?","description":"Poprv\u00e9 to zazn\u00edvalo ji\u017e nedlouho po listopadu 1989. Sotva bylo jist\u00e9, \u017ee lid\u00e9 z\u00a0hr\u016fzy z\u00a0kapitalismu neoto\u010d\u00ed kormidlo d\u011bjin […]","datePublished":"2025-02-28","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.byrope.cz\/author\/#Person","name":"","url":"https:\/\/www.byrope.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"byrope.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.byrope.cz\/wp-content\/uploads\/img_a334315_w2586_t1547987484.jpg","url":"https:\/\/www.byrope.cz\/wp-content\/uploads\/img_a334315_w2586_t1547987484.jpg","height":0,"width":0},"url":"https:\/\/www.byrope.cz\/proc-si-pociname-hloupe\/","about":["Finance\r"],"wordCount":618,"articleBody":"Poprv\u00e9 to zazn\u00edvalo ji\u017e nedlouho po listopadu 1989. Sotva bylo jist\u00e9, \u017ee lid\u00e9 z\u00a0hr\u016fzy z\u00a0kapitalismu neoto\u010d\u00ed kormidlo d\u011bjin zp\u011bt, za\u010dalo se prosl\u00fdchat, \u017ee by si lid\u00e9 m\u011bli \u0161et\u0159it na st\u00e1\u0159\u00ed. \u017de d\u016fchody jednou nebudou k\u00a0\u017eivotu sta\u010dit a kdo v\u00ed, zda jednou v\u016fbec budou.\t\u00a0\u00a0 Bylo to dob\u0159e m\u00edn\u011bno, bylo to rozumn\u00e9. Ale p\u0159esto jsme v\u00a0dne\u0161n\u00ed dob\u011b sv\u011bdky toho, jak to bylo ne\u00fa\u010dinn\u00e9. Lid\u00e9, kte\u0159\u00ed dnes odch\u00e1zej\u00ed do penze, byli v\u00a0dob\u00e1ch, kdy se za\u010dalo v\u00a0tomto ohledu v\u00e1\u017en\u011b varovat, v\u00a0nejlep\u0161\u00edch letech produktivn\u00edho v\u011bku, ov\u0161em dnes n\u00e1hle zji\u0161\u0165uj\u00ed, \u017ee jim d\u016fchod k\u00a0\u017eivotu nesta\u010d\u00ed. \u017de je pro n\u011b draho a oni leckdy nemaj\u00ed z\u00a0\u010deho \u017e\u00edt. Vesm\u011bs proto, \u017ee nemaj\u00ed takov\u00e9 \u00faspory, jimi\u017e by nedostate\u010dn\u00e9 p\u0159\u00edjmy ze st\u00e1tn\u00edho syst\u00e9mu dorovn\u00e1vali na \u00fanosnou mez.\t\u00a0\u00a0 Populisti\u010dt\u00ed politici dne\u0161ka se to sna\u017e\u00ed je\u0161t\u011b na (st\u00e1tn\u00ed) dluh n\u011bjak \u0159e\u0161it, je\u0161t\u011b po\u0159\u00e1d p\u0159ilep\u0161uj\u00ed st\u00e1vaj\u00edc\u00edm penzist\u016fm, a to i nad r\u00e1mec stanoven\u00fd z\u00e1kony a nad mo\u017enosti st\u00e1tn\u00edho rozpo\u010dtu. Ov\u0161em op\u011bt upozor\u0148uj\u00ed \u2013 alespo\u0148 tedy ti rozumn\u00ed z\u00a0jejich \u0159ad \u2013 \u017ee si lid\u00e9 maj\u00ed \u0161et\u0159it, proto\u017ee v\u00a0d\u016fchodu v\u00a0budoucnu ze st\u00e1tn\u00edch almu\u017een nevy\u017eij\u00ed. A lid\u00e9 na to zjevn\u011b \u201eka\u0161lou\u201c. Zjevn\u011b se v\u011bt\u0161ina z\u00a0n\u00e1s domn\u00edv\u00e1, \u017ee kdy\u017e se nevyplnila varov\u00e1n\u00ed stran d\u016fchodc\u016f dne\u0161n\u00edch, zvl\u00e1dne se to i v\u00a0jejich p\u0159\u00edpad\u011b v\u00a0budoucnu.\t\u00a0\u00a0 Lid\u00e9 na to ka\u0161lou. I kdy\u017e kdo v\u00ed, zda na rozumn\u00e1 slova politik\u016f jenom sv\u00e9voln\u011b nedbaj\u00ed. Proto\u017ee je vlastn\u011b pravdou nejen to, \u017ee je \u0161\u00edlencem ten, kdo si na d\u016fchod ne\u0161et\u0159\u00ed, ale paradoxn\u011b je za hlup\u00e1ka i ten, kdo \u0161et\u0159\u00ed.\t\t\u00a0\u00a0 Proto\u017ee:\t1)\u00a0\u00a0\u00a0\u00a0\u00a0 Kdo si dnes \u0161et\u0159\u00ed pen\u00edze a ukl\u00e1d\u00e1 je na b\u011b\u017en\u00fd \u00fa\u010det, p\u0159ich\u00e1z\u00ed o jejich hodnotu formou inflace.\t2)\u00a0\u00a0\u00a0\u00a0\u00a0 Kdo si ukl\u00e1d\u00e1 pen\u00edze na spo\u0159ic\u00ed \u00fa\u010det, je na tom o n\u011bco l\u00e9pe, d\u00edky zanedbateln\u00fdm \u00farok\u016fm ale i zde trat\u00ed.\t3)\u00a0\u00a0\u00a0\u00a0\u00a0 Kdo investuje, v\u00ed u\u017e dop\u0159edu z\u00a0varov\u00e1n\u00ed politik\u016f a ekonom\u016f, \u017ee riskuje. Tu v\u00edce a tu m\u00e9n\u011b, ale riskuje. V\u00a0kr\u00e1tkodob\u00e9m horizontu se pr\u00fd toti\u017e na investic\u00edch nevyd\u011bl\u00e1 a v\u00a0dlouhodob\u00e9m m\u016f\u017ee \u010dlov\u011bk sice z\u00edskat, ale i v\u0161e pozb\u00fdt. A z\u016fstat s\u00a0holou \u0159it\u00ed. A nikdo z\u00a0pros\u0165\u00e1\u010dk\u016f nev\u00ed, kter\u00e1 akcie \u010di fond bude naho\u0159e za deset, dvacet \u010di je\u0161t\u011b v\u00edce let.\t4)\u00a0\u00a0\u00a0\u00a0\u00a0 Investice do nemovitost\u00ed by se vyplatit mohla, ale tak\u00e9 nemusela, a kdo z\u00a0lid\u00ed m\u00e1 na to, aby si kupoval do rezervy domy, tov\u00e1rny, pole a podobn\u011b, \u017ee?\t5)\u00a0\u00a0\u00a0\u00a0\u00a0 S\u00a0investicemi do drah\u00fdch kov\u016f je to vlastn\u011b podobn\u00e9.\t\u00a0\u00a0 A kdy\u017e \u010dlov\u011bk srovn\u00e1, co zbylo z\u00a0u\u0161et\u0159en\u00fdch pen\u011bz t\u011bch, kdo sv\u011bdomit\u011b za\u010dali spo\u0159it u\u017e p\u0159ed n\u011bjak\u00fdmi p\u011btadvaceti lety, je skeptick\u00fd. Logicky. Spo\u010d\u00edtejte si, co dnes po\u0159\u00edd\u00edte za tyt\u00e9\u017e pen\u00edze ve srovn\u00e1n\u00ed s\u00a0tehdej\u0161kem! Co jste si koupili za stokorunu t\u0159eba p\u0159ed p\u011btadvaceti lety a co dnes. Tristn\u00ed zji\u0161t\u011bn\u00ed, \u017ee?\t\u00a0\u00a0 A tak se sice d\u011bs\u00edm hlouposti t\u011bch, kdo si na d\u016fchod ne\u0161et\u0159\u00ed, ale sou\u010dasn\u011b je i ch\u00e1pu. I kdy\u017e tak budou \u010dinit, skon\u010d\u00ed v\u011bt\u0161ina z\u00a0nich pravd\u011bpodobn\u011b v\u00a0b\u00edd\u011b.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d si po\u010d\u00edn\u00e1me \u201ehloup\u011b\u201c?","item":"https:\/\/www.byrope.cz\/proc-si-pociname-hloupe\/#breadcrumbitem"}]}]