{
  "checked": "2026-10-05",
  "type": "educational_models",
  "purchasing_power": {
    "capital": 100000,
    "years": 5,
    "inflation": 3,
    "rows": [
      {
        "net_return": 0,
        "nominal": 100000.0,
        "real": 86260.8784384164
      },
      {
        "net_return": 3.4,
        "nominal": 118195.97671154243,
        "real": 101956.88779024253
      },
      {
        "net_return": 5,
        "nominal": 127628.15625000003,
        "real": 110093.16871600463
      }
    ],
    "formula_nominal": "capital * (1 + net_return/100)^years",
    "formula_real": "nominal / (1 + inflation/100)^years"
  },
  "order_frequency": {
    "annual_budget": 12000,
    "monthly_new_cash": 1000,
    "fixed_order_fee": 50,
    "rows": [
      {
        "orders": 12,
        "budget_per_order": 1000,
        "fees": 600,
        "invested": 11400,
        "percent": 5
      },
      {
        "orders": 4,
        "budget_per_order": 3000,
        "fees": 200,
        "invested": 11800,
        "percent": 1.6666666666666667
      },
      {
        "orders": 1,
        "budget_per_order": 12000,
        "fees": 50,
        "invested": 11950,
        "percent": 0.4166666666666667
      }
    ],
    "formula_fees": "orders * fixed_order_fee",
    "formula_invested": "annual_budget - fees",
    "timing": "Monthly, quarterly or at the end of the year; waiting return is not included."
  },
  "sources": [
    {
      "title": "Vlastní aritmetické modely Moneyo",
      "url": "https://www.moneyo.cz/kam-investovat-penize/#zdroje",
      "note": "Parameters are assumptions, not forecasts, offers or measured returns."
    }
  ]
}