[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esfr.cz\/dum-a-zahrada\/penize-jsou-jen-jiny-druh-energie\/#Article","mainEntityOfPage":"https:\/\/www.esfr.cz\/dum-a-zahrada\/penize-jsou-jen-jiny-druh-energie\/","headline":"Pen\u00edze jsou jen jin\u00fd druh energie","name":"Pen\u00edze jsou jen jin\u00fd druh energie","description":"Pamatujete z\u00a0hodin fyziky na z\u00e1kon zachov\u00e1n\u00ed energie? My v\u00e1m ho v\u00a0jednoduchosti p\u0159ipomeneme. V\u00a0z\u00e1klad\u011b tento z\u00e1kon \u0159\u00edk\u00e1, \u017ee energie nem\u016f\u017ee vzniknout ani zaniknout, pouze se jeden druh p\u0159em\u011b\u0148uje v\u00a0jin\u00fd. A tak podobn\u011b funguj\u00ed i finance. Pen\u00edze kolem n\u00e1s ob\u00edhaj\u00ed. M\u016f\u017eete nam\u00edtnout, \u017ee vznikaj\u00ed n\u011bjak\u00fdm tisknut\u00edm a star\u00e9 se vy\u0159azuj\u00ed z\u00a0ob\u011bhu. Ov\u0161em to se d\u011bje jen proto, […]","datePublished":"2026-02-23","dateModified":"2026-02-23","author":{"@type":"Person","@id":"https:\/\/www.esfr.cz\/author\/#Person","name":"","url":"https:\/\/www.esfr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esfr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.esfr.cz\/dum-a-zahrada\/penize-jsou-jen-jiny-druh-energie\/","wordCount":474,"articleBody":"Pamatujete z\u00a0hodin fyziky na z\u00e1kon zachov\u00e1n\u00ed energie? My v\u00e1m ho v\u00a0jednoduchosti p\u0159ipomeneme. V\u00a0z\u00e1klad\u011b tento z\u00e1kon \u0159\u00edk\u00e1, \u017ee energie nem\u016f\u017ee vzniknout ani zaniknout, pouze se jeden druh p\u0159em\u011b\u0148uje v\u00a0jin\u00fd.A tak podobn\u011b funguj\u00ed i finance. Pen\u00edze kolem n\u00e1s ob\u00edhaj\u00ed. M\u016f\u017eete nam\u00edtnout, \u017ee vznikaj\u00ed n\u011bjak\u00fdm tisknut\u00edm a star\u00e9 se vy\u0159azuj\u00ed z\u00a0ob\u011bhu. Ov\u0161em to se d\u011bje jen proto, \u017ee pap\u00edr nen\u00ed trval\u00e9 m\u00e9dium a pen\u00edze se pou\u017e\u00edv\u00e1n\u00edm ni\u010d\u00ed. Ale jejich forma, jejich tok, je zde st\u00e1le a to je zmi\u0148ovan\u00e1 podobnost k\u00a0energi\u00edm.Pokud se ale jedna energie dok\u00e1\u017ee p\u0159em\u011bnit v\u00a0jinou, my tvrd\u00edme, \u017ee pen\u00edze jsou jist\u00e1 forma energie, pak se nab\u00edz\u00ed logick\u00e1 ot\u00e1zka, zda nedok\u00e1\u017eeme n\u011bjak\u00fdm zp\u016fsobem p\u0159em\u011b\u0148ovat pen\u00edze v\u00a0jin\u00e9 pen\u00edze, lidov\u011b \u0159e\u010deno je rozmno\u017eovat. Odborn\u011bji by se \u0159eklo: \u201eNechat pen\u00edze vyd\u011bl\u00e1vat.\u201cOdpov\u011b\u010f je prost\u00e1: \u201eAno, lze to\u201c. Ka\u017ed\u00fd z\u00a0n\u00e1s zn\u00e1 slovo investice. Investujeme do vzd\u011bl\u00e1n\u00ed, kdy\u017e se rozhodneme studovat nad r\u00e1mec povinn\u00e9ho z\u00e1kladn\u00edho vzd\u011bl\u00e1n\u00ed. Stejn\u011b tak m\u016f\u017eeme investovat do zbohatnut\u00ed, tj. chyt\u0159e investovat na\u0161e pen\u00edze tak, aby n\u00e1m p\u0159inesly u\u017eitek, p\u0159\u00edpadn\u011b dal\u0161\u00ed pen\u00edze.V\u00a0dne\u0161n\u00edm \u010dl\u00e1nku p\u0159in\u00e1\u0161\u00edme n\u011bkolik rad, jak investovat, abyste vyu\u017eili s\u00edlu finan\u010dn\u00ed energie.\tNemovitostiInvesticedo nemovitosti je nejm\u00e9n\u011b rizikov\u00e1, kdy\u017e odmysl\u00edme p\u0159\u00edpadn\u00e9 probl\u00e9my s\u00a0prodejcem nebo realitn\u00ed kancel\u00e1\u0159\u00ed, kter\u00e1 prodej zprost\u0159edkov\u00e1v\u00e1. Vy si po\u0159\u00edd\u00edte nemovitost, t\u0159eba i na hypot\u00e9ku, n\u00e1sledn\u011b ji pronaj\u00edm\u00e1te dal\u0161\u00ed osob\u011b, kter\u00e1 v\u00e1m spl\u00e1c\u00ed hypot\u00e9ku a energie. Cena nemovitosti st\u00e1le roste.Koupi nemovitosti nahr\u00e1v\u00e1 i fakt, \u017ee hypote\u010dn\u00ed sazby jsou nyn\u00ed (2016) na velmi n\u00edzk\u00e9\u00farovni. Pro\u010d toho tedy nevyu\u017e\u00edt.\tKomodityDal\u0161\u00ed mo\u017enost\u00ed investic na\u0161ich pen\u011bz jsou komodity. Zn\u00e1m\u00e9 jsou drah\u00e9 kameny \u2013 zlato, st\u0159\u00edbro, diamanty. M\u00e9n\u011b zn\u00e1m\u00e9 je pak investice do star\u00fdch vz\u00e1cn\u00fdch obraz\u016f, kvalitn\u00ed k\u00e1vy.Tyto investice jsou ale rizikov\u011bj\u0161\u00ed ne\u017e investice do nemovitosti. Nicm\u00e9n\u011b p\u0159\u00edpadn\u00fd zisk je vysoce l\u00e1kav\u00fd.\tAlespo\u0148 ty \u00fa\u010dtyPokud nechcete investovat ani do nemovitosti, ani do komodit, pak si zalo\u017ete alespo\u0148 spo\u0159ic\u00ed \u00fa\u010det. \u00daroky u \u00fa\u010dt\u016f v\u00a0dne\u0161n\u00ed dob\u011b jsou velice n\u00edzk\u00e9, ale st\u00e1le plat\u00ed, \u017ee i m\u00e1lo je v\u00edc ne\u017e nic. N\u011bkde v\u00e1m \u00faroky mohou pokr\u00fdt alespo\u0148 inflaci.P\u0159inejmen\u0161\u00edm si d\u00e1vejte pen\u00edze bokem na hor\u0161\u00ed \u010dasy, na ne\u010dekan\u00e9 v\u00fdpadky ve va\u0161em rozpo\u010dtu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dum A Zahrada","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Pen\u00edze jsou jen jin\u00fd druh energie","item":"https:\/\/www.esfr.cz\/dum-a-zahrada\/penize-jsou-jen-jiny-druh-energie\/#breadcrumbitem"}]}]