X-Trade Brokers (XTB) je st\u00e1lic\u00ed v sektoru obchodov\u00e1n\u00ed na akciov\u00fdch trz\u00edch a jeho popularitu na Slovensku a v \u010cesku zat\u00edm neohrozil ani n\u00e1stup nov\u00fdch bezpoplatkov\u00fdch platforem.<\/p>\n\n\n\n
Popularitu online broker\u016f, mezi kter\u00e9 \u0159ad\u00edme i XTB, zv\u00fd\u0161ila pandemie nov\u00e9ho koronaviru, kter\u00e1 vyhnala akciov\u00e9 tituly na nov\u00e9 rekordy, a tak spustila investi\u010dn\u00ed \u0161\u00edlenstv\u00ed. V leto\u0161n\u00edm roce do\u0161lo k vyst\u0159\u00edzliv\u011bn\u00ed, jeliko\u017e akciov\u00e9 trhy za\u017e\u00edvaj\u00ed v\u00fdznamn\u00e9 propady.<\/p>\n\n\n\n
XTB i b\u011bhem investi\u010dn\u00edho boomu varoval investory p\u0159ed riziky, nehr\u00e1l si na spasitele. Otev\u0159en\u011b p\u0159izn\u00e1v\u00e1, \u017ee 77 procent \u00fa\u010dt\u016f jeho retailov\u00fdch investor\u016f je p\u0159i obchodov\u00e1n\u00ed ve ztr\u00e1t\u011b: \u201eM\u011bli byste zv\u00e1\u017eit, zda ch\u00e1pete, jak finan\u010dn\u00ed rozd\u00edlov\u00e9 smlouvy funguj\u00ed, a zda si m\u016f\u017eete dovolit podstoupit vysok\u00e9 riziko, \u017ee utrp\u00edte finan\u010dn\u00ed ztr\u00e1ty.\u201c<\/p>\n\n\n\n
INDEX p\u0159in\u00e1\u0161\u00ed testy nejpopul\u00e1rn\u011bj\u0161\u00edch online platforem pro investov\u00e1n\u00ed na akciov\u00fdch trz\u00edch. Vybrali jsme brokery, kte\u0159\u00ed jsou v Evrop\u011b nejpopul\u00e1rn\u011bj\u0161\u00ed a regulovan\u00ed autoritou n\u011bkter\u00e9ho st\u00e1tu Evropsk\u00e9 unie:<\/p>\n\n\n\n
Je XTB bezpe\u010dn\u00fd?
XTB vznikl v roce 2002 v Polsku, reguluje ho tamn\u00ed Komise pro finan\u010dn\u00ed dohled (KNF). B\u011bhem sv\u00e9 historie pro\u0161el tak\u00e9 turbulentn\u00edmi v\u00fdkyvy na akciov\u00fdch trz\u00edch a nespol\u00e9h\u00e1 se jen na investi\u010dn\u00ed laiky.<\/p>\n\n\n\n
D\u016fv\u011bryhodnost platform\u011b p\u0159id\u00e1vaj\u00ed pobo\u010dky v sedmn\u00e1cti zem\u00edch sv\u011bta, od roku 2008 je m\u00e1 iv Bratislav\u011b a Praze.<\/p>\n\n\n\n
Prost\u0159edky klient\u016f jsou podobn\u011b jako u jin\u00fdch broker\u016f dr\u017eeny na odd\u011blen\u00e9m \u00fa\u010dtu. V p\u0159\u00edpad\u011b insolventnosti brokera je do v\u00fd\u0161e 20 tis\u00edc eur chr\u00e1n\u00ed garan\u010dn\u00ed fond St\u00e1tn\u00edho depozit\u00e1\u0159e cenn\u00fdch pap\u00edr\u016f v Polsku.<\/p>\n\n\n\n
Akcie XTB jsou ve\u0159ejn\u011b obchodov\u00e1ny na var\u0161avsk\u00e9 burze, tak\u017ee informace o finan\u010dn\u00edm zdrav\u00ed brokersk\u00e9 spole\u010dnosti jsou ve\u0159ejn\u011b dostupn\u00e9. Je to velk\u00e1 v\u00fdhoda nap\u0159\u00edklad oproti konkuren\u010dn\u00edmu Tradingu 212, kter\u00fd m\u00e1 finan\u010dn\u00ed kuchyni zam\u010denou p\u0159ed ve\u0159ejnost\u00ed.<\/p>\n\n\n\n
Naposledy XTB zve\u0159ejnila \u00fadaje za posledn\u00ed \u010dtvrtlet\u00ed 2021. Uv\u00e1d\u00ed v nich \u010dist\u00fd zisk 15,1 milionu eur, co\u017e p\u0159edstavuje meziro\u010dn\u00ed r\u016fst o v\u00edce ne\u017e 60 procent. Za cel\u00fd lo\u0148sk\u00fd rok se zisk vy\u0161plhal na 52 milion\u016f eur.<\/p>\n\n\n\n
Loni XTB z\u00edskal 189 tis\u00edc nov\u00fdch z\u00e1kazn\u00edk\u016f, jejich celkov\u00fd po\u010det stoupl na 429 tis\u00edc. Postaral se o to nejen boom na akciov\u00e9m trhu, kter\u00fd k investov\u00e1n\u00ed p\u0159it\u00e1hl b\u011b\u017en\u00e9 smrteln\u00edky, ale tak\u00e9 siln\u00fd marketing brokera v Evrop\u011b a Latinsk\u00e9 Americe. Na reklamu, jej\u00ed\u017e tv\u00e1\u0159\u00ed je fotbalov\u00fd tren\u00e9r Jos\u00e9 Mourinho, utratil loni 20 milion\u016f eur.<\/p>\n\n\n\n
Jak\u00e9 jsou poplatky
Pen\u00edze na investi\u010dn\u00ed \u00fa\u010det v XTB lze p\u0159ev\u00e9st t\u0159emi zp\u016fsoby. Prvn\u00edm je bankovn\u00ed p\u0159evod, kter\u00fd je sice zdarma, ale pen\u00edze v\u00e1m doraz\u00ed na \u00fa\u010det a\u017e druh\u00fd pracovn\u00ed den.<\/p>\n\n\n\n
P\u0159evod pen\u011bz p\u0159es PayPal nebo platebn\u00ed kartu je okam\u017eit\u00fd, ale nen\u00ed zadarmo. V p\u0159\u00edpad\u011b p\u0159evodu v eurech si broker vezme provizi 0,7 procenta, p\u0159evod v dolarech je o n\u011bco dra\u017e\u0161\u00ed (0,95 procenta).<\/p>\n\n\n\n
Na investora \u010dek\u00e1 tak\u00e9 poplatek za konverzi. Pokud je jeho \u00fa\u010det veden v jin\u00e9 m\u011bn\u011b, ne\u017e v jak\u00e9 je denominov\u00e1na nap\u0159\u00edklad nakupovan\u00e1 akce, brokerovi uhrad\u00edte 0,5 procenta za konverzi. Vyhnout se tomu m\u016f\u017eete tak, \u017ee si krom\u011b eurov\u00e9ho \u00fa\u010dtu otev\u0159ete i dolarov\u00fd. P\u0159\u00edpadn\u011b si eura za dolary v\u00fdhodn\u011bji zam\u011bn\u00edte nap\u0159\u00edklad v Revolutu a n\u00e1sledn\u011b si je p\u0159evedete do XTB.<\/p>\n\n\n\n
Pokud jde o v\u00fdb\u011br z investi\u010dn\u00edho \u00fa\u010dtu, ide\u00e1ln\u00ed je prov\u00e1d\u011bt alespo\u0148 sto eur, proto\u017ee p\u0159i ni\u017e\u0161\u00edch \u010d\u00e1stk\u00e1ch si broker \u00fa\u010dtuje poplatek ve v\u00fd\u0161i 10 eur.<\/p>\n\n\n\n
V p\u0159\u00edpad\u011b neaktivnosti na klientsk\u00e9m kont\u011b b\u011bhem uplynul\u00fdch dvan\u00e1cti m\u011bs\u00edc\u016f \u2013 tedy pokud neuskute\u010dn\u00edte \u017e\u00e1dn\u00fd obchod nebo vklad \u2013 strh\u00e1v\u00e1 broker desetieurovou pokutu.<\/p>\n\n\n\n
XTB vyd\u011bl\u00e1v\u00e1 na klientech i prost\u0159ednictv\u00edm takzvan\u00fdch spread\u016f, co\u017e je rozd\u00edl mezi n\u00e1kupn\u00ed a prodejn\u00ed cenou aktiva. Na rozd\u00edl od konkurent\u016f je m\u00e1 o n\u011bco n\u00ed\u017ee a zejm\u00e9na je velmi p\u0159ehledn\u011b zve\u0159ej\u0148uje.<\/p>\n\n\n\n
Spread na nejzn\u00e1m\u011bj\u0161\u00ed m\u011bnov\u00fd p\u00e1r (euro k americk\u00e9mu dolaru) je 0,00009, v p\u0159\u00edpad\u011b bitcoinu 0,22 a\u017e 0,35 procenta. U akciov\u00fdch titul\u016f a ETF je spread variabiln\u00ed \u2013 nap\u0159\u00edklad p\u0159i akci JPMorgan Chase za 237,12 dolaru \u010din\u00ed 12 cent\u016f, tedy 0,05 procenta, p\u0159i akci Applu je to 0,03 procenta.<\/p>\n\n\n\n
Po p\u0159ekro\u010den\u00ed stotis\u00edcov\u00e9ho obratu v jednom kalend\u00e1\u0159n\u00edm m\u011bs\u00edci uvaluje broker na klienta i poplatek 0,2 procenta (minim\u00e1ln\u011b 10 eur) za zprost\u0159edkov\u00e1n\u00ed transakce s akciemi a ETF.<\/p>\n\n\n\n
P\u0159\u00edklad: Klient b\u011bhem kalend\u00e1\u0159n\u00edho m\u011bs\u00edce uskute\u010dn\u00ed \u010dty\u0159i transakce v celkov\u00e9 hodnot\u011b 95 tis\u00edc eur. Pokud ud\u011bl\u00e1 dal\u0161\u00ed obchod ve v\u00fd\u0161i 7500 eur, tak z \u010d\u00e1stky nad sto tis\u00edc eur, tedy z 2500 eur zaplat\u00ed extra poplatek. Jeliko\u017e 0,2 procenta z 2500 eur je p\u011bt eur, zaplat\u00ed poplatek v cen\u00edkov\u00e9 minim\u00e1ln\u00ed v\u00fd\u0161i deset eur.<\/p>\n\n\n\n
Broker m\u00e1 v cen\u00edku tak\u00e9 poplatek za zprost\u0159edkov\u00e1n\u00ed obchodu s deriv\u00e1ty ve v\u00fd\u0161i 0,08 procenta, minim\u00e1ln\u011b v\u0161ak osm eur na jednu transakci.<\/p>\n\n\n\n
Co (ne)nab\u00edz\u00ed XTB
Na platform\u011b XTB lze obchodovat s klasick\u00fdmi akciemi, forexem, ETF fondy \u010di kryptom\u011bnami. V nab\u00eddce m\u00e1 tak\u00e9 deriv\u00e1ty CFD, kter\u00e9 umo\u017e\u0148uj\u00ed p\u0159es p\u00e1ku spekulovat na r\u016fst nebo pokles m\u011bnov\u00fdch kurz\u016f, akci\u00ed, komodit a kryptomen. V\u00fdhodou XTB je, \u017ee na rozd\u00edl od konkurence nab\u00edz\u00ed tak\u00e9 akcie na \u010desk\u00e9 burze.<\/p>\n\n\n\n
Nev\u00fdhodou platformy XTB pro men\u0161\u00edho investora je minim\u00e1ln\u00ed objem investice ve v\u00fd\u0161i alespo\u0148 sto eur. Pokud nap\u0159\u00edklad stoj\u00ed jedna akce stoj\u00ed 50 eur, mus\u00edte jich koupit alespo\u0148 dv\u011b.<\/p>\n\n\n\n
Broker na rozd\u00edl od n\u011bkolika konkurent\u016f nepodporuje ani frakce akci\u00ed. Investor si mus\u00ed koupit celou akci, co\u017e je u titul\u016f jako Amazon nebo Alphabet, kter\u00e9 stoj\u00ed kolem t\u0159\u00ed tis\u00edc eur, pro b\u011b\u017en\u00e9ho \u010dlov\u011bka p\u0159\u00edli\u0161 velk\u00e1 investice. (I proto oba americk\u00e9 giganty ned\u00e1vno ohl\u00e1sily takzvan\u00fd split akci\u00ed, jeho\u017e c\u00edlem je sn\u00ed\u017eit jejich cenu tak, aby byly dostupn\u00e9 v\u011bt\u0161\u00edmu okruhu investor\u016f.)<\/p>\n\n\n\n
Aplikace platformy (XStation 5) je p\u0159ehledn\u00e1, by\u0165 v porovn\u00e1n\u00ed s eTorem \u010di Tradingem 212 je sofistikovan\u011bj\u0161\u00ed, tak\u017ee nezku\u0161en\u00fd investor si na ni bude muset nejprve zvyknout. Klient m\u00e1 k dispozici dva zp\u016fsoby investov\u00e1n\u00ed.<\/p>\n\n\n\n
Platforma XStation 5 od brokera XTB (zdroj: XTB)
Prvn\u00edm je okam\u017eit\u00e1 exekuce \u2013 n\u00e1kup se zrealizuje hned po odesl\u00e1n\u00ed p\u0159\u00edkazu za nejlep\u0161\u00ed dostupnou cenu, p\u0159i\u010dem\u017e obchodn\u00edk nastavuje, jak\u00fd objem akci\u00ed se nakoup\u00ed. Druhou mo\u017enost\u00ed je \u010dekaj\u00edc\u00ed objedn\u00e1vka, p\u0159i kter\u00e9 investor zad\u00e1v\u00e1 objem investice a limitn\u00ed cenu, za kterou je ochoten nakupovat nebo prod\u00e1vat. Objedn\u00e1vka se zrealizuje a\u017e ve chv\u00edli, kdy tr\u017en\u00ed cena vzroste nebo klesne na po\u017eadovanou hodnotu.<\/p>\n\n\n\n
XTB m\u00e1 p\u0159ehlednou slovenskou mutaci webstr\u00e1nky, broker v n\u00ed odpov\u00edd\u00e1 na \u0159adu z\u00e1kladn\u00edch ot\u00e1zek. Smluvn\u00ed dokumenty jsou v \u010de\u0161tin\u011b, co\u017e je velk\u00e1 v\u00fdhoda pro investora se slab\u0161\u00ed angli\u010dtinou.<\/p>\n\n\n\n
V p\u0159\u00edpad\u011b probl\u00e9m\u016f m\u016f\u017eete brokera kontaktovat telefonicky, e-mailem nebo prost\u0159ednictv\u00edm online chatu. Call centrum funguje 24 hodin b\u011bhem pracovn\u00edch dn\u016f. B\u011bhem testu n\u00e1m zavolal pracovn\u00edk XTB a zeptal se, jestli registrace prob\u011bhla v po\u0159\u00e1dku. E-mailem poslal na sebe kontakt pro eventu\u00e1ln\u011b dal\u0161\u00ed ot\u00e1zky.<\/p>\n\n\n\n
V minulosti klienti vy\u010d\u00edtali XTB, \u017ee neposkytuje dokument W-8Ben, kter\u00fd umo\u017e\u0148uje sn\u00ed\u017eit da\u0148ov\u00e9 zat\u00ed\u017een\u00ed dividend z americk\u00fdch akci\u00ed. Tento hendykep odstranil broker letos v lednu. To v praxi znamen\u00e1, \u017ee klient zaplat\u00ed sr\u00e1\u017ekovou da\u0148 z dividend ve v\u00fd\u0161i 15 procent ji\u017e u brokera a u\u017e nemus\u00ed platit dal\u0161\u00ed da\u0148 na Slovensku.<\/p>\n","protected":false},"excerpt":{"rendered":"
X-Trade Brokers (XTB) je st\u00e1lic\u00ed v sektoru obchodov\u00e1n\u00ed na akciov\u00fdch trz\u00edch a jeho popularitu na Slovensku a v \u010cesku zat\u00edm neohrozil ani n\u00e1stup nov\u00fdch bezpoplatkov\u00fdch platforem. Popularitu online broker\u016f, mezi kter\u00e9 \u0159ad\u00edme i XTB, zv\u00fd\u0161ila pandemie nov\u00e9ho koronaviru, kter\u00e1 vyhnala akciov\u00e9 tituly na nov\u00e9 rekordy, a tak spustila investi\u010dn\u00ed \u0161\u00edlenstv\u00ed. V leto\u0161n\u00edm roce do\u0161lo k […]<\/p>\n","protected":false},"author":2,"featured_media":2550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[10],"tags":[],"class_list":["post-2555","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance"],"_links":{"self":[{"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/posts\/2555","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/zradnice.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2555"}],"version-history":[{"count":1,"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/posts\/2555\/revisions"}],"predecessor-version":[{"id":2556,"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/posts\/2555\/revisions\/2556"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zradnice.cz\/index.php?rest_route=\/wp\/v2\/media\/2550"}],"wp:attachment":[{"href":"https:\/\/zradnice.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2555"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zradnice.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2555"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zradnice.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2555"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}