{"id":10656,"date":"2025-10-01T14:26:01","date_gmt":"2025-10-01T12:26:01","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=10656"},"modified":"2025-10-01T18:09:31","modified_gmt":"2025-10-01T16:09:31","slug":"prvych-100-000-eur-rozhodne-ci-budete-bohati-alebo-nie","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/prvych-100-000-eur-rozhodne-ci-budete-bohati-alebo-nie\/","title":{"rendered":"Prv\u00fdch 100 000 eur rozhodne, \u010di budete bohat\u00ed alebo nie"},"content":{"rendered":"\n<p><strong>Z\u00edska\u0165 prv\u00fdch 100 000 eur je n\u00e1ro\u010dn\u00e9, no pr\u00e1ve tento m\u00ed\u013enik je z\u00e1kladn\u00fdm kame\u0148om cesty k finan\u010dnej nez\u00e1vislosti. Pre\u010do je to tak a ako t\u00fato hranicu prekona\u0165 \u010do najefekt\u00edvnej\u0161ie? M\u00e1me pre v\u00e1s 8 praktick\u00fdch odpor\u00fa\u010dan\u00ed.<\/strong><\/p>\n\n\n\n<p>Legend\u00e1rny investor Charlie Munger, dlhoro\u010dn\u00fd obchodn\u00fd partner Warrena Buffetta, raz povedal:<\/p>\n\n\n\n<p>\u201eZ\u00edska\u0165 prv\u00fdch 100 000 dol\u00e1rov je naozaj \u0165a\u017ek\u00e9, ale mus\u00edte to dok\u00e1za\u0165. Je mi jedno, \u010do pre to budete musie\u0165 obetova\u0165 \u2013 aj keby to znamenalo v\u0161ade chodi\u0165 pe\u0161o a\u00a0kupova\u0165 len z\u013eavnen\u00fd tovar, n\u00e1jdite sp\u00f4sob, ako sa k\u00a0tej sume dosta\u0165. Potom m\u00f4\u017eete trochu spomali\u0165.\u201c<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>M\u00e1gia investovania<\/strong><\/h2>\n\n\n\n<p>Pre\u010do pr\u00e1ve 100&nbsp;000? Preto\u017ee pod\u013ea Mungera ide o&nbsp;k\u013e\u00fa\u010dov\u00fd m\u00ed\u013enik, ktor\u00fd ke\u010f prekro\u010d\u00edte, ocitnete sa na najlep\u0161ej ceste, ako sa sta\u0165 skuto\u010dne bohat\u00fdm \u010dlovekom.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Samozrejme, nejde o&nbsp;presn\u00e9 \u010d\u00edslo, sk\u00f4r o pribli\u017en\u00fa hranicu bohatstva, preto m\u00f4\u017eeme hovori\u0165 aj o&nbsp;hranici 100&nbsp;000 eur.&nbsp;<\/p>\n\n\n\n<p>Ako sa k&nbsp;nej dosta\u0165? Ak by ste napr\u00edklad investovali 10 000 eur ro\u010dne s priemern\u00fdm v\u00fdnosom 7 %, hranicu 100 000 eur prekro\u010d\u00edte pribli\u017ene za 8 rokov. \u010eal\u0161\u00edch 100 000 v\u00e1m u\u017e pribudne r\u00fdchlej\u0161ie v\u010faka sile zlo\u017een\u00e9ho \u00faro\u010denia. A o 40 rokov m\u00f4\u017eete ma\u0165 na \u00fa\u010dte viac ako 1,4 mili\u00f3na eur. To je presne ten efekt snehovej gule, ktor\u00fd Munger pova\u017eoval pri investovan\u00ed za k\u013e\u00fa\u010dov\u00fd. Nie je za t\u00fdm \u017eiadna m\u00e1gia, ale discipl\u00edna, \u010das, odhodlanie a&nbsp;sila zlo\u017een\u00e9ho \u00faro\u010denia.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe> \n\n\n\n<p>Alebo si predstavte, \u017ee sa v\u00e1m narod\u00ed die\u0165a a od prv\u00e9ho mesiaca a\u017e do dospelosti budete na jeho pomyseln\u00fd investi\u010dn\u00fd \u00fa\u010det vklada\u0165 200 eur mesa\u010dne. Pri takomto dlhodobom horizonte m\u00f4\u017eeme r\u00e1ta\u0165 s priemern\u00fdm zhodnoten\u00edm 9 %. To znamen\u00e1, \u017ee na jeho 18. narodeniny bude ma\u0165 k dispoz\u00edcii viac ne\u017e 100 000 eur. To u\u017e je slu\u0161n\u00fd z\u00e1klad pre vysoko\u0161kolsk\u00e9 \u0161t\u00fadium v zahrani\u010d\u00ed alebo na zabezpe\u010denie vlastn\u00e9ho b\u00fdvania.&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Ako na to?<\/strong><\/h2>\n\n\n\n<p>Investova\u0165 tak, aby ste povedzme do 10 rokov dosiahli 100 000 eur, sa m\u00f4\u017ee zda\u0165 \u00faplne nerealistick\u00e9. Samozrejme, nie je to cie\u013e, ktor\u00fd si m\u00f4\u017ee da\u0165 \u00faplne ka\u017ed\u00fd.&nbsp;<\/p>\n\n\n\n<p>Predstavte si v\u0161ak dvoch mlad\u00fdch \u013eud\u00ed bez z\u00e1v\u00e4zkov, ktor\u00ed maj\u00fa dobr\u00fa pr\u00e1cu a\u00a0slu\u0161n\u00fd pr\u00edjem. Ak si ka\u017ed\u00fd z\u00a0nich dok\u00e1\u017ee mesa\u010dne odlo\u017ei\u0165 300 eur, ktor\u00e9 investuj\u00fa, tak pri u\u017e spom\u00ednanom realistickom v\u00fdnose 7 % bud\u00fa ma\u0165 na spolo\u010dnom investi\u010dnom \u00fa\u010dte o\u00a010 rokov pribli\u017ene 103\u00a0000 eur. To u\u017e znie ako nie\u010do, \u010do sa dosiahnu\u0165 d\u00e1.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" class=\"wp-image-7080\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Tu je osem jednoduch\u00fdch r\u00e1d, ako sa o\u00a0to pok\u00fasi\u0165<\/h2>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>1. Zostavte si rodinn\u00fd rozpo\u010det a sledujte, kde m\u00ed\u0148ate peniaze<\/strong><\/h3>\n\n\n\n<p>Skuto\u010dn\u00fd preh\u013ead o vlastn\u00fdch financi\u00e1ch za\u010d\u00edna jednoduchou ot\u00e1zkou: Kam sa str\u00e1caj\u00fa moje peniaze? Stiahnite si bankov\u00e9 v\u00fdpisy aspo\u0148 za posledn\u00e9 tri mesiace, zora\u010fte v\u00fddavky pod\u013ea kateg\u00f3ri\u00ed. Ve\u013emi r\u00fdchlo z\u00edskate odpove\u010f na svoju ot\u00e1zku.&nbsp;<\/p>\n\n\n\n<p>Potom si vytvorte takzvan\u00fd nulov\u00fd rozpo\u010det \u2013 ka\u017ed\u00e9 euro, ktor\u00e9 zarob\u00edte, m\u00e1 v\u00a0\u0148om svoj \u00fa\u010del. In\u00fdmi slovami, vopred si stanov\u00edte, na \u010do budete m\u00ed\u0148a\u0165 peniaze. Ak v\u00e1m ostan\u00fa vo\u013en\u00e9 peniaze, odlo\u017ete si ich a\u00a0investujte.\u00a0 <\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>2. U\u0161etrite 20 % z pr\u00edjmu<\/strong><\/h3>\n\n\n\n<p>Odlo\u017ei\u0165 si bokom p\u00e4tinu pr\u00edjmu znie ambici\u00f3zne, no nie je to nedosiahnute\u013en\u00fd cie\u013e.&nbsp;<\/p>\n\n\n\n<p>Nejde o to \u017ei\u0165 asketicky. \u017divot si m\u00e1te aj u\u017e\u00edva\u0165, av\u0161ak s\u00a0rozumom. Mnoh\u00ed si k\u00fapia nov\u00e9 auto, drah\u00fa dovolenku alebo pr\u00e9miov\u00fd mobil jednoducho preto, lebo na to pr\u00e1ve maj\u00fa peniaze. Urobte to naopak: najsk\u00f4r si vytvorte finan\u010dn\u00fd z\u00e1klad a a\u017e potom si u\u017e\u00edvajte naplno. <\/p>\n\n\n\n<p><strong><em>Zauj\u00edma v\u00e1s, ako za\u010da\u0165 s investovan\u00edm? Pre\u010d\u00edtajte si na\u0161e <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\"><strong><em>Rady pre za\u010d\u00ednaj\u00facich investorov.<\/em><\/strong><\/a><strong><em>\u00a0<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>3. Zbavte sa \u00faverov<\/strong><\/h3>\n\n\n\n<p>Zbavte sa \u010do najsk\u00f4r nev\u00fdhodn\u00fdch p\u00f4\u017ei\u010diek a&nbsp;neberte si nov\u00e9 \u00favery.<\/p>\n\n\n\n<p>Ak m\u00e1te viacero \u00faverov, zv\u00e1\u017ete ich konsolid\u00e1ciu \u2013 spojenie do jedn\u00e9ho so zn\u00ed\u017een\u00fdm \u00farokom. Mimoriadne spl\u00e1tky m\u00f4\u017eu znamena\u0165 tis\u00edce eur u\u0161etren\u00e9 na \u00farokoch. Presne tieto rozhodnutia v\u00e1s pribl\u00ed\u017eia k\u00a0finan\u010dnej nez\u00e1vislosti. <\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>4. Zvy\u0161ujte svoj pr\u00edjem<\/strong><\/h3>\n\n\n\n<p>\u0160etrenie m\u00e1 svoje limity, zar\u00e1banie nie. Preto prem\u00fd\u0161\u013eajte nad t\u00fdm, ako zv\u00fd\u0161i\u0165 svoj pr\u00edjem. M\u00f4\u017ee to by\u0165 formou ved\u013eaj\u0161ieho pr\u00edjmu, preklopenia kon\u00ed\u010dka na mal\u00fd biznis alebo zv\u00fd\u0161en\u00edm kvalifik\u00e1cie.<\/p>\n\n\n\n<p>D\u00f4le\u017eit\u00e9 v\u0161ak je, \u010do urob\u00edte s t\u00fdmto dodato\u010dn\u00fdm pr\u00edjmom. Najhor\u0161ie, \u010do m\u00f4\u017eete spravi\u0165, je nav\u00fd\u0161i\u0165 svoje v\u00fddavky. Ak chcete dosiahnu\u0165 hranicu 100\u00a0000 eur, nov\u00e9 pr\u00edjmy investujte.\u00a0\u00a0<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>5. Nerozhodujte sa pod vplyvom em\u00f3ci\u00ed&nbsp;<\/strong><\/h3>\n\n\n\n<p>Pokazilo sa v\u00e1m auto a&nbsp;hne\u010f si chcete k\u00fapi\u0165 nov\u00e9? Dostali ste chu\u0165 cestova\u0165 a&nbsp;okam\u017eite h\u013ead\u00e1te letenky? Dozvedeli ste sa o&nbsp;tom, \u017ee fotovoltika je super vec, a&nbsp;tak si ju hne\u010f objedn\u00e1te?&nbsp;<\/p>\n\n\n\n<p>Pred ka\u017ed\u00fdm tak\u00fdmto rozhodnut\u00edm je lep\u0161ie v\u0161etko si premyslie\u0165, prepo\u010d\u00edta\u0165 a&nbsp;op\u00fdta\u0165 sa s\u00e1m seba: Naozaj m\u00e1m dostatok financi\u00ed na tento v\u00fddavok? M\u00f4\u017eem si to dovoli\u0165?&nbsp;<\/p>\n\n\n\n<p>Mo\u017eno nakoniec zist\u00edte, \u017ee sa bez toho zaob\u00eddete, alebo si aspo\u0148 porovn\u00e1te dostupn\u00e9 ponuky a&nbsp;vyberiete si v\u00fdhodnej\u0161ie rie\u0161enie.<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>6. Investujte jednoducho, ale efekt\u00edvne<\/strong><\/h3>\n\n\n\n<p>Investovanie nemus\u00ed by\u0165 komplikovan\u00e9, aby bolo efekt\u00edvne. Nie ste profesion\u00e1lny trader a ani n\u00edm by\u0165 nemus\u00edte. Sta\u010d\u00ed si zvoli\u0165 dobre diverzifikovan\u00e9, n\u00edzkon\u00e1kladov\u00e9 indexov\u00e9 fondy a&nbsp;dlhodobo ich nakupova\u0165. Ide\u00e1lne niekde, kde nebudete m\u00ed\u0148a\u0165 zbyto\u010dne ve\u013ea pe\u0148az\u00ed na poplatky.<\/p>\n\n\n\n<p>D\u00f4le\u017eit\u00e9 je nenecha\u0165 sa zl\u00e1ka\u0165 s\u013eubmi o r\u00fdchlom zbohatnut\u00ed, investi\u010dn\u00fdmi \u201etipmi\u201c na internete alebo \u0161pekulat\u00edvnymi kryptomenami.<br>Nemus\u00edte objavi\u0165 Ameriku, sta\u010d\u00ed sa dr\u017ea\u0165 toho, \u010do dlhodobo funguje a&nbsp;prin\u00e1\u0161a v\u00fdsledky.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>7. Investovanie nem\u00e1 by\u0165 z\u00e1bavn\u00e9<\/strong><\/h3>\n\n\n\n<p>Najv\u00e4\u010d\u0161\u00edm nepriate\u013eom investora nie je trh, ale jeho vlastn\u00e9 rozhodovanie. Ke\u010f trh kles\u00e1, panik\u00e1rime. Ke\u010f rastie, chceme investova\u0165 viac, no \u010dasto je u\u017e neskoro. Rie\u0161en\u00edm je automatiz\u00e1cia. Nastavte si trval\u00fd pr\u00edkaz a&nbsp;investujte ka\u017ed\u00fd mesiac. \u010ci sa trhom dar\u00ed alebo s\u00fa v&nbsp;korekcii.&nbsp;<\/p>\n\n\n\n<p>Takto sa vyhnete zbyto\u010dn\u00e9mu \u0161pekulovaniu a&nbsp;v&nbsp;kone\u010dnom d\u00f4sledku bude v\u00e1\u0161 v\u00fdnos omnoho lep\u0161\u00ed, ako keby ste sa riadili aktu\u00e1lnymi spr\u00e1vami. Mo\u017eno to nebude \u00faplne najz\u00e1bavnej\u0161ie, ale rozhodne to bude fungova\u0165.&nbsp;<\/p>\n\n\n\n<h3 class=\"has-text-color\" style=\"color:#ec8124\"><strong>8. Bu\u010fte konzistentn\u00ed, nie dokonal\u00ed<\/strong><\/h3>\n\n\n\n<p>\u017diadna rada v\u00e1m nepom\u00f4\u017ee, ak va\u0161e finan\u010dne zodpovedn\u00e9 spr\u00e1vanie nebude dlhodob\u00e9 a&nbsp;konzistentn\u00e9. Finan\u010dn\u00fd \u00faspech vych\u00e1dza z&nbsp;toho, \u017ee budete desa\u0165 rokov robi\u0165 mal\u00e9, spr\u00e1vne rozhodnutia.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Nemus\u00edte by\u0165 perfektn\u00ed vo v\u0161etkom. D\u00f4le\u017eit\u00e9 je pokra\u010dova\u0165.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\"><strong>Pom\u00f4\u017eeme v\u00e1m na ceste k 100 000 eur\u00e1m<\/strong><\/h2>\n\n\n\n<p>Z\u00edska\u0165 prv\u00fdch 100 000 eur nie je jednoduch\u00e9. Ke\u010f sa v\u00e1m to v\u0161ak podar\u00ed, budete vedie\u0165, \u017ee dok\u00e1\u017eete zvl\u00e1dnu\u0165 aj tak\u00fato n\u00e1ro\u010dn\u00fa v\u00fdzvu. <\/p>\n\n\n\n<p>Ak ste sa rozhodli pre menej ambici\u00f3zny cie\u013e, je to taktie\u017e dobr\u00fd za\u010diatok. Aj mal\u00e9 invest\u00edcie s\u00fa krokom spr\u00e1vnym smerom. M\u00f4\u017eete za\u010da\u0165 s men\u0161\u00edmi sumami a \u010dasom mo\u017eno zist\u00edte, \u017ee dok\u00e1\u017eete investova\u0165 aj viac. Ozvite sa na\u0161im odborn\u00edkom a pom\u00f4\u017eeme v\u00e1m nastavi\u0165 investi\u010dn\u00fa strat\u00e9giu, ktor\u00e1 bude vyhovova\u0165 pr\u00e1ve v\u00e1m.\u00a0<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Z\u00edska\u0165 prv\u00fdch 100 000 eur je n\u00e1ro\u010dn\u00e9, no pr\u00e1ve tento m\u00ed\u013enik je z\u00e1kladn\u00fdm kame\u0148om cesty k finan\u010dnej nez\u00e1vislosti. Pre\u010do je to tak a ako t\u00fato hranicu prekona\u0165 \u010do najefekt\u00edvnej\u0161ie? M\u00e1me pre v\u00e1s 8 praktick\u00fdch odpor\u00fa\u010dan\u00ed. Legend\u00e1rny investor Charlie Munger, dlhoro\u010dn\u00fd obchodn\u00fd partner Warrena Buffetta, raz povedal: \u201eZ\u00edska\u0165 prv\u00fdch 100 000 dol\u00e1rov je naozaj \u0165a\u017ek\u00e9, ale mus\u00edte to dok\u00e1za\u0165. Je mi jedno, \u010do pre to budete musie\u0165 obetova\u0165 \u2013 aj keby to znamenalo v\u0161ade chodi\u0165 pe\u0161o a\u00a0kupova\u0165 len z\u013eavnen\u00fd tovar, n\u00e1jdite sp\u00f4sob, ako sa k\u00a0tej sume dosta\u0165. Potom m\u00f4\u017eete trochu spomali\u0165.\u201c M\u00e1gia investovania Pre\u010do pr\u00e1ve 100&nbsp;000? Preto\u017ee pod\u013ea Mungera ide o&nbsp;k\u013e\u00fa\u010dov\u00fd m\u00ed\u013enik, ktor\u00fd ke\u010f prekro\u010d\u00edte, ocitnete sa na najlep\u0161ej ceste, ako sa sta\u0165 skuto\u010dne bohat\u00fdm \u010dlovekom.&nbsp;&nbsp; Samozrejme, nejde o&nbsp;presn\u00e9 \u010d\u00edslo, sk\u00f4r o pribli\u017en\u00fa hranicu bohatstva, preto m\u00f4\u017eeme hovori\u0165 aj o&nbsp;hranici 100&nbsp;000 eur.&nbsp; Ako sa k&nbsp;nej dosta\u0165? Ak by ste napr\u00edklad investovali 10 000 eur ro\u010dne s priemern\u00fdm v\u00fdnosom 7 %, hranicu 100 000 eur prekro\u010d\u00edte pribli\u017ene za 8 rokov. \u010eal\u0161\u00edch 100 000 v\u00e1m u\u017e pribudne r\u00fdchlej\u0161ie v\u010faka sile zlo\u017een\u00e9ho \u00faro\u010denia. A o 40 rokov m\u00f4\u017eete ma\u0165 na \u00fa\u010dte viac ako 1,4 mili\u00f3na eur. To je presne ten efekt snehovej gule, ktor\u00fd Munger pova\u017eoval pri investovan\u00ed za k\u013e\u00fa\u010dov\u00fd. Nie je za t\u00fdm [&hellip;]<\/p>\n","protected":false},"author":56,"featured_media":10666,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[97,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prv\u00fdch 100 000 eur rozhodne, \u010di budete bohat\u00ed alebo nie<\/title>\n<meta name=\"description\" content=\"Z\u00edska\u0165 prv\u00fdch 100 000 eur je n\u00e1ro\u010dn\u00e9, no pr\u00e1ve tento m\u00ed\u013enik je z\u00e1kladn\u00fdm kame\u0148om cesty k finan\u010dnej nez\u00e1vislosti.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/prvych-100-000-eur-rozhodne-ci-budete-bohati-alebo-nie\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" 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