{"id":1160,"date":"2025-01-26T15:04:19","date_gmt":"2025-01-26T14:04:19","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=1160"},"modified":"2025-01-26T15:04:19","modified_gmt":"2025-01-26T14:04:19","slug":"kde-investovat-fondee-portu-xtb","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=1160","title":{"rendered":"Kde investovat &#8211; Fondee, Portu, XTB"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>S rostouc\u00ed popularitou investov\u00e1n\u00ed p\u0159ib\u00fdv\u00e1 platform, kter\u00e9 nab\u00edzej\u00ed r\u016fzn\u00e9 zp\u016fsoby, jak zhodnotit sv\u00e9 \u00faspory. Rozhodnut\u00ed, na jak\u00e9 platform\u011b za\u010d\u00edt investovat, je v\u0161ak n\u00e1ro\u010dn\u00e9. Ka\u017ed\u00e1 z nich m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody. Kter\u00e1 platforma je nejlep\u0161\u00ed?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento \u010dl\u00e1nek se pod\u00edv\u00e1 na t\u0159i popul\u00e1rn\u00ed investi\u010dn\u00ed platformy v \u010cesku &#8211; Fondee, Portu a XTB, a porovn\u00e1 jejich kl\u00ed\u010dov\u00e9 vlastnosti. V\u00fdb\u011br konkr\u00e9tn\u00ed platformy pak z\u00e1vis\u00ed na investi\u010dn\u00edch c\u00edlech, zku\u0161enostech a toleranci k riziku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fondee &#8211; jednoduchost pro za\u010d\u00e1te\u010dn\u00edky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fondee je <strong>\u010desk\u00e1 platforma<\/strong>, kter\u00e1 se zam\u011b\u0159uje na <strong>jednoduch\u00e9 a intuitivn\u00ed investov\u00e1n\u00ed<\/strong>. Jej\u00ed hlavn\u00ed <strong>v\u00fdhody<\/strong> jsou:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Jednoduch\u00e1 registrace:<\/strong> Proces registrace a vytvo\u0159en\u00ed investi\u010dn\u00edho \u00fa\u010dtu je velmi snadn\u00fd.<\/li>\n\n\n\n<li><strong>P\u0159izp\u016fsobiteln\u00e9 portfolio:<\/strong> Lze si vybrat z n\u011bkolika portfoli\u00ed navr\u017een\u00fdch na m\u00edru podle investi\u010dn\u00edho profilu nebo si vytvo\u0159it vlastn\u00ed.<\/li>\n\n\n\n<li><strong>\u010cesk\u00e1 podpora:<\/strong> Z\u00e1kaznick\u00e1 podpora je poskytov\u00e1na v \u010desk\u00e9m jazyce.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Minim\u00e1ln\u00ed vklad je 1 000 K\u010d.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nev\u00fdhodou m\u016f\u017ee b\u00fdt <strong>poplatek<\/strong> za spr\u00e1vu portfolia ve v\u00fd\u0161i <strong>1,09 %<\/strong> ro\u010dn\u011b a tak\u00e9 nemo\u017enost p\u0159\u00edm\u00e9ho v\u00fdb\u011bru konkr\u00e9tn\u00edch aktiv.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fondee je zam\u011b\u0159en\u00e1 na <strong>pasivn\u00ed investov\u00e1n\u00ed <\/strong>do ETF (burzovn\u011b obchodovan\u00fdch fond\u016f). Je tak <strong>ide\u00e1ln\u00ed pro za\u010d\u00e1te\u010dn\u00edky<\/strong>, kte\u0159\u00ed hledaj\u00ed jednoduch\u00fd a cenov\u011b dostupn\u00fd zp\u016fsob, jak za\u010d\u00edt investovat.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Portu &#8211; automatizovan\u00e9 investice s osobn\u00edm p\u0159\u00edstupem<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Portu je <strong>\u010desk\u00e1 robo-advisory <\/strong>platforma, kter\u00e1 kombinuje v\u00fdhody automatizovan\u00e9ho investov\u00e1n\u00ed s osobn\u00edm p\u0159\u00edstupem. Mezi <strong>v\u00fdhody<\/strong> Portu pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Robo-poradenstv\u00ed:<\/strong> Algoritmy doporu\u010d\u00ed vhodn\u00e9 portfolio na z\u00e1klad\u011b zvolen\u00fdch c\u00edl\u016f a tolerance k riziku. Nicm\u00e9n\u011b portfolio si m\u016f\u017ee investor vytvo\u0159it i s\u00e1m.<\/li>\n\n\n\n<li><strong>Osobn\u00ed konzultant:<\/strong> Pokud je pot\u0159eba, lze se kdykoli obr\u00e1tit na osobn\u00edho konzultanta.<\/li>\n\n\n\n<li><strong>\u0160irok\u00e1 nab\u00eddka ETF:<\/strong> Portu nab\u00edz\u00ed \u0161irokou \u0161k\u00e1lu ETF, co\u017e umo\u017en\u00ed diverzifikovat portfolio.<\/li>\n\n\n\n<li><strong>Flexibilita:<\/strong> Kdykoliv si lze upravit sv\u00e9 investi\u010dn\u00ed c\u00edle a p\u0159izp\u016fsobit portfolio.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Minim\u00e1ln\u00ed vklad je 500 K\u010d<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nev\u00fdhodou m\u016f\u017ee b\u00fdt op\u011bt poplatek za spr\u00e1vu portfolia, kter\u00fd je ov\u0161em ve srovn\u00e1n\u00ed <a href=\"https:\/\/www.vpenize.cz\/portu-fondee-srovnani\/\"><strong>Fondee vs. Portu<\/strong><\/a> ni\u017e\u0161\u00ed. Z\u00e1kladn\u00ed sazba <strong>poplatku je 1 % <\/strong>ro\u010dn\u011b z hodnoty portfolia, ov\u0161em poplatek lze sn\u00ed\u017eit a\u017e o 40 %. Poplatek za <a href=\"https:\/\/www.vpenize.cz\/portu-dip\/\"><strong>Portu DIP<\/strong><\/a> je 0,5 % ro\u010dn\u011b u Portfolia, Strategie a Crypto, u Investi\u010dn\u00ed rezervy je to 0,25 % ro\u010dn\u011b.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Portu je vhodn\u00e1 pro investory, kte\u0159\u00ed hledaj\u00ed kombinaci automatizace a osobn\u00edho p\u0159\u00edstupu.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXeCzmd11pVhnzqLBQugog3-alfTKkOwC1B-EMUYsewyQ26pIwF5UQ0_w9X_qvOPe1Gi961cmg08wFCQ34GujAO6pld1RC9xdTrWbQJbxoAgVpbSj4KRgkFMiT11dKx5uYpoFhnW4w?key=NULrI1-pJ7MxQd9O48gFku-9\" alt=\"\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Portu nab\u00edz\u00ed jednoduchou investi\u010dn\u00ed platformu a aplikaci, kter\u00e9 jsou vhodn\u00e9 i pro za\u010d\u00e1te\u010dn\u00edky.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">XTB &#8211; pro aktivn\u00ed a zku\u0161en\u011bj\u0161\u00ed obchodn\u00edky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">XTB je <strong>mezin\u00e1rodn\u00ed<\/strong> broker zalo\u017een\u00fd ji\u017e v roce 2002. Pro\u010d by m\u011bl investor zvolit pr\u00e1v\u011b XTB? Mezi v\u00fdhody pat\u0159\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0160irok\u00e1 nab\u00eddka n\u00e1stroj\u016f:<\/strong> XTB nab\u00edz\u00ed \u0161irokou \u0161k\u00e1lu investi\u010dn\u00edch n\u00e1stroj\u016f, v\u010detn\u011b akci\u00ed, ETF, CFD, forex, komodit a kryptom\u011bn. D\u00edky tomu lze diverzifikovat portfolio a obchodovat na r\u016fzn\u00fdch trz\u00edch.<\/li>\n\n\n\n<li><strong>P\u00e1kov\u00fd efekt:<\/strong> XTB umo\u017e\u0148uje vyu\u017e\u00edvat p\u00e1kov\u00fd efekt, co\u017e znamen\u00e1, \u017ee lze obchodovat s v\u011bt\u0161\u00edmi \u010d\u00e1stkami, ne\u017e m\u00e1 investor na \u00fa\u010dtu. To m\u016f\u017ee zv\u00fd\u0161it potenci\u00e1ln\u00ed zisk, ov\u0161em tak\u00e9 ztr\u00e1tu.<\/li>\n\n\n\n<li><strong>Pokro\u010dil\u00e9 n\u00e1stroje:<\/strong> Platforma nab\u00edz\u00ed pokro\u010dil\u00e9 n\u00e1stroje pro technickou anal\u00fdzu.<\/li>\n\n\n\n<li><strong>Demo \u00fa\u010det:<\/strong> Ne\u017e za\u010dne \u010dlov\u011bk obchodovat s re\u00e1ln\u00fdmi pen\u011bzi, m\u016f\u017ee si vyzkou\u0161et platformu na demo \u00fa\u010dtu bez rizika ztr\u00e1ty pen\u011bz.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fd\u0161e <strong>minim\u00e1ln\u00edho vkladu nen\u00ed stanovena<\/strong>. Nicm\u00e9n\u011b pro otev\u0159en\u00ed konkr\u00e9tn\u00ed pozice je vy\u017eadov\u00e1na ur\u010den\u00e1 \u010d\u00e1stka.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Nev\u00fdhodou<\/strong> XTB je, \u017ee si \u00fa\u010dtuje pom\u011brn\u011b <strong>vysok\u00fd poplatek za sm\u011bnu m\u011bn<\/strong>, co\u017e m\u016f\u017ee b\u00fdt nev\u00fdhodn\u00e9, pokud se obchoduje s n\u00e1stroji v r\u016fzn\u00fdch m\u011bn\u00e1ch. \u00da\u010dtuje se i <strong>poplatek za neaktivitu <\/strong>ve v\u00fd\u0161i 10 EUR m\u011bs\u00ed\u010dn\u011b. Za nev\u00fdhodu lze v p\u0159\u00edpad\u011b <a href=\"https:\/\/www.tovarnik.cz\/xtb-dane-dividendy-uroky\/\"><strong>XTB dividend<\/strong><\/a> pova\u017eovat <strong>da\u0148 z dividend \u010desk\u00fdch akci\u00ed<\/strong>, kter\u00e1 je <strong>15 %<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lze uzav\u0159\u00edt, \u017ee XTB je vhodn\u00e1 pro <strong>zku\u0161en\u011bj\u0161\u00ed <\/strong>obchodn\u00edky, kte\u0159\u00ed hledaj\u00ed \u0161irokou \u0161k\u00e1lu investi\u010dn\u00edch n\u00e1stroj\u016f, pokro\u010dil\u00e9 funkce a cht\u011bj\u00ed <strong>aktivn\u011b obchodovat<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00e1 z platforem nab\u00edz\u00ed n\u011bco jedine\u010dn\u00e9ho. A\u0165 u\u017e si \u010dlov\u011bk zvol\u00ed jakoukoliv platformu, m\u011bl by si uv\u011bdomit, \u017ee obchodov\u00e1n\u00ed na <strong>finan\u010dn\u00edch trz\u00edch v\u017edy nese riziko ztr\u00e1ty<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>S rostouc\u00ed popularitou investov\u00e1n\u00ed p\u0159ib\u00fdv\u00e1 platform, kter\u00e9 nab\u00edzej\u00ed r\u016fzn\u00e9 zp\u016fsoby, jak zhodnotit sv\u00e9 \u00faspory. Rozhodnut\u00ed, na jak\u00e9 platform\u011b za\u010d\u00edt investovat, je v\u0161ak n\u00e1ro\u010dn\u00e9. Ka\u017ed\u00e1 z nich m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody. Kter\u00e1 platforma je nejlep\u0161\u00ed? Tento \u010dl\u00e1nek se pod\u00edv\u00e1 na t\u0159i popul\u00e1rn\u00ed investi\u010dn\u00ed platformy v \u010cesku &#8211; Fondee, Portu a XTB, a porovn\u00e1 jejich kl\u00ed\u010dov\u00e9 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1161,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[],"class_list":["post-1160","post","type-post","status-publish","format-standard","has-post-thumbnail","category-investice"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1160"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/1160\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/1161"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}