{"id":504,"date":"2023-05-23T21:19:56","date_gmt":"2023-05-23T19:19:56","guid":{"rendered":"https:\/\/apenize.cz\/?p=504"},"modified":"2023-05-23T21:19:57","modified_gmt":"2023-05-23T19:19:57","slug":"kryptomeny-a-jejich-role-v-moderni-ekonomice-k-cemu-jsou-vyhodne-a-jaka-jsou-jejich-rizika","status":"publish","type":"post","link":"https:\/\/apenize.cz\/?p=504","title":{"rendered":"Kryptom\u011bny a jejich role v modern\u00ed ekonomice: K \u010demu jsou v\u00fdhodn\u00e9 a jak\u00e1 jsou jejich rizika?"},"content":{"rendered":"\n

Kryptom\u011bny \u2013 velk\u00e9 t\u00e9ma p\u0159ed n\u011bkolika lety, kdy na investi\u010dn\u00edm trhu zp\u016fsobily doslova boom. Po jejich nenad\u00e1l\u00e9m propadu v\u0161ak z\u00e1jem o tuto virtu\u00e1ln\u00ed m\u011bnu zna\u010dn\u011b upadl. Nyn\u00ed to ale znovu vypad\u00e1, \u017ee se dostanou na v\u00fdslun\u00ed. V modern\u00ed ekonomice podle odborn\u00edk\u016f maj\u00ed sv\u00e9 m\u00edsto, nav\u00edc v sou\u010dasn\u00e9 dob\u011b krize se jim po dlouh\u00fdch m\u011bs\u00edc\u00edch za\u010d\u00edn\u00e1 znovu da\u0159it.<\/p>\n\n\n\n

Co jsou to kryptom\u011bny?<\/h2>\n\n\n\n

Pokud jste se v minulosti nesezn\u00e1mili s t\u00edmto investi\u010dn\u00edm instrumentem, mo\u017en\u00e1 si nejste jist\u00ed pravou \u010di spr\u00e1vnou definic\u00ed. Kryptom\u011bny nejsou ni\u010d\u00edm jin\u00fdm ne\u017e digit\u00e1ln\u00edm aktivem, je\u017e slou\u017e\u00ed jako zprost\u0159edkovatel sm\u011bny. Jeliko\u017e vyu\u017e\u00edv\u00e1 k transakc\u00edm siln\u00e9 \u0161ifrov\u00e1n\u00ed, je velmi bezpe\u010dn\u00e1 a teoreticky imunn\u00ed v\u016f\u010di jak\u00e9koli manipulaci nebo ovliv\u0148ov\u00e1n\u00ed ze strany vl\u00e1dn\u00edch instituc\u00ed nebo jin\u00fdch stran.<\/p>\n\n\n\n

O tuto virtu\u00e1ln\u00ed m\u011bnu se zvedl z\u00e1jem hlavn\u011b ve chv\u00edli, kdy se zjistilo, \u017ee nab\u00edz\u00ed mo\u017enost platby bez p\u0159\u00edtomnosti jak\u00e9koli t\u0159et\u00ed strany, kterou mohou b\u00fdt banky, ale i jin\u00ed zprost\u0159edkovatel\u00e9 platebn\u00edch transakc\u00ed. Popularita rostla i p\u0159es skute\u010dnost, \u017ee hodnota kryptom\u011bn stoj\u00ed pouze na v\u00ed\u0159e lid\u00ed \u2013 jejich hodnotu ovliv\u0148uje pouze nab\u00eddka a popt\u00e1vka. Nikoliv tradi\u010dn\u00ed ekonomick\u00e9 vn\u011bj\u0161\u00ed faktory, jako tomu b\u00fdv\u00e1 u b\u011b\u017en\u00fdch investi\u010dn\u00edch instrument\u016f.<\/p>\n\n\n\n

Kryptom\u011bny znovu vst\u00e1vaj\u00ed z popela<\/h2>\n\n\n\n

Jak jsme ji\u017e nast\u00ednili, nen\u00ed tomu tak d\u00e1vno, co se kryptom\u011bny sklo\u0148ovaly prakticky v jak\u00e9koliv diskuzi, a to dokonce i v takov\u00e9, kter\u00e1 se net\u00fdkala investi\u010dn\u00edho sv\u011bta. Po n\u011bkolika dlouh\u00fdch m\u011bs\u00edc\u00edch, kdy virtu\u00e1ln\u00ed m\u011bny dosahovaly sv\u00fdch rekordn\u00edch v\u00fd\u0161in, v\u0161ak do\u0161lo k markantn\u00edmu propadu, na kter\u00e9m by vyd\u011blal ka\u017ed\u00fd, kdo (nap\u0159\u00edklad pomoc\u00ed p\u00e1kov\u00e9ho efektu) na pokles s\u00e1zel.<\/p>\n\n\n\n

Kryptom\u011bny se z\u00e1hy dotkly sv\u00e9ho pomysln\u00e9ho dna a ne a ne se od n\u011bj odlepit. A tak plynul \u010das a z\u00e1jem o Bitcoin, Ethereum a dal\u0161\u00ed uvadal jako slune\u010dnice bez p\u0159\u00edsunu slune\u010dn\u00edch paprsk\u016f. Jen\u017ee po ka\u017ed\u00e9 bou\u0159ce p\u0159ijde slun\u00ed\u010dko. To je r\u010den\u00ed, kter\u00e9 se b\u011b\u017en\u011b \u0159\u00edk\u00e1 a kter\u00e9 ostatn\u011b plat\u00ed v\u017edy a ve v\u0161ech p\u0159\u00edpadech. A trh s kryptom\u011bnami nen\u00ed v\u00fdjimkou.<\/p>\n\n\n\n

Nyn\u00ed to vypad\u00e1, \u017ee virtu\u00e1ln\u00ed m\u011bny vst\u00e1vaj\u00ed z popela a \u017ee se za\u010d\u00edn\u00e1 bl\u00fdskat na lep\u0161\u00ed \u010dasy. Podle analytik\u016f p\u0159ich\u00e1z\u00ed obdob\u00ed postupn\u00e9ho a nav\u00edc trval\u00e9ho r\u016fstu. Ti, kte\u0159\u00ed doposud kryptom\u011bny nepustili nebo zariskovali a investovali do nich, i kdy\u017e jejich hodnota byla prakticky na bod\u011b mrazu, ne-li pod n\u00edm, brzy pravd\u011bpodobn\u011b z virtu\u00e1ln\u00edch m\u011bn vyt\u011b\u017e\u00ed.<\/p>\n\n\n\n

\u0158ad\u011b investor\u016f p\u0159i\u0161lo na mysli, zdali nejsou kryptom\u011bny jako zlato, a sice zdali jejich hodnota nestoup\u00e1 vlivem aktu\u00e1ln\u00ed krize. Odborn\u00edci se k tomuto n\u00e1zoru nep\u0159ikl\u00e1n\u00ed. Naopak si stoj\u00ed sp\u00ed\u0161e za t\u00edm, \u017ee je to jen sou\u010d\u00e1st p\u0159edpokl\u00e1dan\u00e9ho cyklu investi\u010dn\u00edho instrumentu, kter\u00fd m\u016f\u017ee v p\u0159\u00edpad\u011b pot\u0159eby (a po \u0159\u00e1dn\u00e9m zv\u00e1\u017een\u00ed a promy\u0161len\u00ed) zafinancovat i p\u016fj\u010dka online<\/a>.<\/p>\n\n\n\n

Jak\u00e1 rizika se poj\u00ed s kryptom\u011bnami?<\/h2>\n\n\n\n

Hodnota kryptom\u011bn se ur\u010duje nab\u00eddkou a popt\u00e1vkou. A p\u0159esn\u011b to je jedno z rizik, kter\u00e9 jsme si ji\u017e v\u00fd\u0161e uvedli. Virtu\u00e1ln\u00ed m\u011bny nejsou ani tolik z\u00e1visl\u00e9 na ekonomick\u00fdch faktorech, jako je tomu v p\u0159\u00edpad\u011b akci\u00ed nebo dluhopis\u016f. U tohoto investi\u010dn\u00edho instrumentu, kter\u00fd m\u016f\u017ee hezky diverzifikovat va\u0161e portfolio, to stoj\u00ed na trochu jin\u00fdch z\u00e1kladech.<\/p>\n\n\n\n

Ostatn\u011b i proto, \u017ee se jedn\u00e1 o pon\u011bkud nep\u0159edv\u00eddatelnou investici, mluv\u00edme o rizikov\u00e9m kroku, kter\u00fd promyslete. Posledn\u00ed m\u011bs\u00edce n\u00e1m uk\u00e1zaly, jak zr\u00e1dn\u00e9 kryptom\u011bny b\u00fdvaj\u00ed, p\u0159esto se jedn\u00e1 o dobr\u00fd zp\u016fsob, jak investi\u010dn\u00ed portfolio roz\u010dlenit.<\/p>\n\n\n\n

Krom\u011b toho, \u017ee jsou kryptom\u011bny nest\u00e1l\u00e9 a prakticky stoj\u00ed na v\u00ed\u0159e \u010dlov\u011bka, bychom na seznamu rizik tohoto investi\u010dn\u00edho instrumentu na\u0161li tak\u00e9 polo\u017eku nazvanou \u201eregulace\u201c. Kryptom\u011bny toti\u017e p\u0159edstavuj\u00ed konkurenci pro st\u00e1tn\u00ed m\u011bny kontrolovan\u00e9 centr\u00e1ln\u00edmi bankami. I kdy\u017e jsme \u0159ekli, \u017ee virtu\u00e1ln\u00ed m\u011bny teoreticky nereguluj\u00ed vl\u00e1dn\u00ed strany a podobn\u00e9 instituce, vlivem okolnost\u00ed posledn\u00edch let se regulace kryptom\u011bn za\u010d\u00edn\u00e1 zva\u017eovat na poli Fedu nebo ECB.<\/p>\n\n\n\n

V \u010dem jsou kryptom\u011bny v\u00fdhodn\u00e9?<\/h2>\n\n\n\n

Hlavn\u00ed benefity se v p\u0159\u00edpad\u011b kryptom\u011bn jev\u00ed p\u0159edev\u0161\u00edm ve srovn\u00e1n\u00ed s tradi\u010dn\u00edmi pen\u011bzi. Jsou ned\u00edlnou sou\u010d\u00e1st\u00ed decentralizace, slibuj\u00ed rychlou a levnou platbu v maxim\u00e1ln\u00ed anonymit\u011b, co\u017e se nyn\u00ed v dob\u011b, kdy jsou phishingov\u00e9 \u00fatoky na denn\u00edm po\u0159\u00e1dku, jev\u00ed jako z\u00e1sadn\u00ed pozitivn\u00ed vlastnost. Krom\u011b toho kryptom\u011bnov\u00fd syst\u00e9m nem\u016f\u017ee zkolabovat a m\u011bna je v\u017edy jednotn\u00e1.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Na rozd\u00edl od platby kartou jsou transakce nevratn\u00e9, co\u017e se v n\u011bkter\u00fdch o\u010d\u00edch jev\u00ed jako v\u00fdhodn\u00e9, jin\u00e9 tuto skute\u010dnost za\u0159azuj\u00ed sp\u00ed\u0161e na stranu nev\u00fdhod.<\/p>\n\n\n\n

Z pohledu investorsk\u00e9ho mluv\u00edme o skv\u011bl\u00e9 mo\u017enosti, jak diverzifikovat sv\u00e9 portfolio a dos\u00e1hnout zaj\u00edmav\u00fdch ka\u017edoro\u010dn\u00edch zv\u00fdhodn\u011bn\u00ed. Ta se mohou dotknout i n\u011bkolika des\u00edtek procent, pakli\u017ee se kryptom\u011bn\u00e1m zrovna da\u0159\u00ed.<\/p>\n\n\n\n

Stejn\u011b jako u jin\u00fdch investic, i u investov\u00e1n\u00ed do kryptom\u011bn plat\u00ed, \u017ee byste m\u011bli instrumentu p\u0159ij\u00edt trochu na kloub p\u0159ed prvn\u00edm vlo\u017een\u00edm pen\u011bz do n\u011bj.<\/p>\n\n\n\n

Pouze sou\u010d\u00e1st diverzifikovan\u00e9ho portfolia<\/h2>\n\n\n\n

Razdva p\u016fj\u010dka<\/a> n\u00e1m m\u016f\u017ee poslou\u017eit k tomu, abychom si kryptom\u011bn nakoupili celou spoustu. Zejm\u00e9na pokud jsou zrovna na bod\u011b mrazu a vypad\u00e1 to, \u017ee porostou. A\u0165 u\u017e ale podstoup\u00edme tento riskantn\u00ed krok s vlastn\u00edmi nebo p\u016fj\u010den\u00fdmi pen\u011bzi, ujist\u011bme se v jedn\u00e9 v\u011bci \u2013 n\u00e1kupem kryptom\u011bn pouze diverzifikujeme sv\u00e9 investi\u010dn\u00ed portfolio, kter\u00e9 v\u0161ak nebude st\u00e1t v\u00fdhradn\u011b na nich.<\/p>\n\n\n\n

Existuj\u00ed bezesporu jist\u011bj\u0161\u00ed a m\u00e9n\u011b rizikov\u00e9, p\u0159esto tak\u00e9 v\u00fdhodn\u00e9 investi\u010dn\u00ed instrumenty, do kter\u00fdch bychom m\u011bli sv\u00e9 \u00faspory vkl\u00e1dat. Do kategorie bezpe\u010dn\u011bj\u0161\u00edch investic pat\u0159\u00ed nap\u0159\u00edklad dluhopisy, akcie, ale tak\u00e9 ETF fondy, na kter\u00e9 apeluj\u00ed i p\u0159edn\u00ed \u010de\u0161t\u00ed investo\u0159i.<\/p>\n","protected":false},"excerpt":{"rendered":"

Kryptom\u011bny \u2013 velk\u00e9 t\u00e9ma p\u0159ed n\u011bkolika lety, kdy na investi\u010dn\u00edm trhu zp\u016fsobily doslova boom. Po jejich nenad\u00e1l\u00e9m propadu v\u0161ak z\u00e1jem o tuto virtu\u00e1ln\u00ed m\u011bnu zna\u010dn\u011b upadl. Nyn\u00ed to ale znovu vypad\u00e1, \u017ee se dostanou na v\u00fdslun\u00ed. V modern\u00ed ekonomice podle odborn\u00edk\u016f maj\u00ed sv\u00e9 m\u00edsto, nav\u00edc v sou\u010dasn\u00e9 dob\u011b krize se jim po dlouh\u00fdch m\u011bs\u00edc\u00edch za\u010d\u00edn\u00e1 […]<\/p>\n","protected":false},"author":1,"featured_media":506,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-504","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=504"}],"version-history":[{"count":0,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/posts\/504\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=\/wp\/v2\/media\/506"}],"wp:attachment":[{"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/apenize.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}