{"id":329847,"date":"2025-04-01T09:23:50","date_gmt":"2025-04-01T07:23:50","guid":{"rendered":"https:\/\/wordpress.investinslovakia.eu\/?p=329847"},"modified":"2025-04-01T09:23:51","modified_gmt":"2025-04-01T07:23:51","slug":"statne-dlhopisy-2025-vyhody-a-rizika","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/de\/statne-dlhopisy-2025-vyhody-a-rizika\/","title":{"rendered":"\u0160t\u00e1tne dlhopisy pre ob\u010danov: Atrakt\u00edvna invest\u00edcia alebo prem\u00e1rnen\u00e1 pr\u00edle\u017eitos\u0165?"},"content":{"rendered":"<p>Slovensk\u00e1 republika spustila za\u010diatkom marca 2025 predaj \u0161t\u00e1tnych dlhopisov ur\u010den\u00fdch pre ob\u010danov, ktor\u00e9 vyvolali mimoriadny z\u00e1ujem \u2013 len po\u010das prv\u00e9ho d\u0148a \u013eudia nak\u00fapili dlhopisy v hodnote 263 mili\u00f3nov eur. T\u00e1to nov\u00e1 investi\u010dn\u00e1 pr\u00edle\u017eitos\u0165 pon\u00faka zauj\u00edmav\u00e9 podmienky, no je skuto\u010dne tak\u00e1 v\u00fdhodn\u00e1, ako sa na prv\u00fd poh\u013ead zd\u00e1? Pozrime sa bli\u017e\u0161ie na to, \u010do \u0161t\u00e1tne dlhopisy prin\u00e1\u0161aj\u00fa a pre koho m\u00f4\u017eu by\u0165 vhodn\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u010co s\u00fa \u0161t\u00e1tne dlhopisy a ak\u00e9 parametre pon\u00fakaj\u00fa?<\/strong><\/h2>\n\n\n\n<p>\u0160t\u00e1tne dlhopisy predstavuj\u00fa formu p\u00f4\u017ei\u010dky \u0161t\u00e1tu. Ke\u010f kupujete dlhopis, de facto po\u017ei\u010diavate peniaze Slovenskej republike, ktor\u00e1 sa zav\u00e4zuje v\u00e1m ich vr\u00e1ti\u0165 s \u00farokom v stanovenom term\u00edne.<\/p>\n\n\n\n<p>Aktu\u00e1lna ponuka zah\u0155\u0148a dva typy dlhopisov:<\/p>\n\n\n\n<ul>\n<li><strong>INVESTOR<\/strong> \u2013 dvojro\u010dn\u00fd dlhopis s v\u00fdnosom 3 % p.a.<\/li>\n\n\n\n<li><strong>PATRIOT<\/strong> \u2013 \u0161tvorro\u010dn\u00fd dlhopis s v\u00fdnosom 3,3 % p.a.<\/li>\n<\/ul>\n\n\n\n<p><strong>Z\u00e1kladn\u00e9 parametre emisie:<\/strong><\/p>\n\n\n\n<ul>\n<li>Obdobie predaja: 3. - 31. marec 2025 (alebo do vypredania)<\/li>\n\n\n\n<li>D\u00e1tum vydania: 2. apr\u00edl 2025<\/li>\n\n\n\n<li>Minim\u00e1lna invest\u00edcia: 1000 eur<\/li>\n\n\n\n<li>Celkov\u00fd objem emisie: 200 mili\u00f3nov eur pre ka\u017ed\u00fd typ dlhopisu<\/li>\n\n\n\n<li>V\u00fdplata v\u00fdnosov: ro\u010dne k 2. apr\u00edlu<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>V\u00fdhody \u0161t\u00e1tnych dlhopisov \u2013 pre\u010do by v\u00e1s mohli zauj\u00edma\u0165?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Da\u0148ov\u00e9 zv\u00fdhodnenie zvy\u0161uje re\u00e1lny v\u00fdnos<\/strong><\/h3>\n\n\n\n<p>V\u00fdznamnou v\u00fdhodou je \u00fapln\u00e9 oslobodenie v\u00fdnosov od dan\u00ed a odvodov. Pri be\u017en\u00fdch invest\u00edci\u00e1ch ako term\u00ednovan\u00e9 vklady \u010di firemn\u00e9 dlhopisy mus\u00edte po\u010d\u00edta\u0165 s 19% zr\u00e1\u017ekovou da\u0148ou, ktor\u00e1 ukroj\u00ed z v\u00e1\u0161ho zisku. Pri \u0161t\u00e1tnych dlhopisoch dostanete cel\u00fd v\u00fdnos \u2013 3 % alebo 3,3 % ro\u010dne, bez ak\u00e9hoko\u013evek zdanenia. To v\u00fdrazne zvy\u0161uje atraktivitu tejto invest\u00edcie.<\/p>\n\n\n\n<p><strong>Bezpe\u010dnos\u0165 na prvom mieste<\/strong><\/p>\n\n\n\n<p>Ak h\u013ead\u00e1te invest\u00edciu s minim\u00e1lnym rizikom, \u0161t\u00e1tne dlhopisy patria medzi najbezpe\u010dnej\u0161ie formy zhodnocovania pe\u0148az\u00ed. Kreditn\u00e9 riziko je prakticky zanedbate\u013en\u00e9 \u2013 pravdepodobnos\u0165, \u017ee by Slovensk\u00e1 republika v najbli\u017e\u0161\u00edch 2-4 rokoch skrachovala, je extr\u00e9mne n\u00edzka. V porovnan\u00ed s in\u00fdmi investi\u010dn\u00fdmi n\u00e1strojmi pon\u00fakaj\u00fa \u0161t\u00e1tne dlhopisy ve\u013emi vysok\u00fa mieru istoty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dostupnos\u0165 pre ka\u017ed\u00e9ho<\/strong><\/h3>\n\n\n\n<p>S minim\u00e1lnou invest\u00edciou 1000 eur s\u00fa dlhopisy dostupn\u00e9 \u0161irokej verejnosti. Nepotrebujete \u017eiadne \u0161pecifick\u00e9 znalosti ani sk\u00fasenosti s investovan\u00edm \u2013 n\u00e1kup m\u00f4\u017eete uskuto\u010dni\u0165 jednoducho vo svojej banke. Je to ide\u00e1lna pr\u00edle\u017eitos\u0165 pre za\u010d\u00ednaj\u00facich investorov, ktor\u00ed chc\u00fa experimentova\u0165 so zhodnocovan\u00edm \u00faspor bez zbyto\u010dn\u00fdch riz\u00edk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Lep\u0161\u00ed v\u00fdnos ne\u017e term\u00ednovan\u00e9 vklady<\/strong><\/h3>\n\n\n\n<p>V porovnan\u00ed s term\u00ednovan\u00fdmi vkladmi pon\u00fakaj\u00fa \u0161t\u00e1tne dlhopisy atrakt\u00edvnej\u0161ie zhodnotenie pri porovnate\u013enej \u00farovni rizika. Navy\u0161e, v\u010faka da\u0148ov\u00e9mu zv\u00fdhodneniu je re\u00e1lny rozdiel vo v\u00fdnose e\u0161te v\u00fdraznej\u0161\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nev\u00fdhody \u0161t\u00e1tnych dlhopisov \u2013 \u010do by ste mali zv\u00e1\u017ei\u0165?<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Riziko infl\u00e1cie znehodnocuje re\u00e1lny v\u00fdnos<\/strong><\/h3>\n\n\n\n<p>Najv\u00e4\u010d\u0161\u00edm rizikom pre v\u00fdnos z dlhopisov je infl\u00e1cia. Ako upozor\u0148uje analytik INESS Radovan \u010eurana: \"Ak infl\u00e1cia prekro\u010d\u00ed tri percent\u00e1, investor na tejto invest\u00edcii prerob\u00ed.\" Fixn\u00fd v\u00fdnos dlhopisov nezoh\u013ead\u0148uje mo\u017en\u00e9 zv\u00fd\u0161enie infl\u00e1cie po\u010das doby invest\u00edcie, \u010do m\u00f4\u017ee vies\u0165 k strate re\u00e1lnej hodnoty va\u0161ich pe\u0148az\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Obmedzen\u00e1 likvidita komplikuje pred\u010dasn\u00fd v\u00fdber<\/strong><\/h3>\n\n\n\n<p>Na rozdiel od term\u00ednovan\u00fdch vkladov nie je mo\u017en\u00e9 vybra\u0165 peniaze pred\u010dasne bez ist\u00e9ho rizika. Ak potrebujete hotovos\u0165 pred splatnos\u0165ou, mus\u00edte dlhopis preda\u0165 na burze, \u010do m\u00f4\u017ee znamena\u0165:<\/p>\n\n\n\n<ul>\n<li>Dodato\u010dn\u00e9 poplatky spojen\u00e9 s predajom<\/li>\n\n\n\n<li>Riziko predaja za ni\u017e\u0161iu cenu ne\u017e bola n\u00e1kupn\u00e1 hodnota<\/li>\n\n\n\n<li>Komplikovanej\u0161\u00ed proces v porovnan\u00ed s v\u00fdberom z bankov\u00e9ho \u00fa\u010dtu<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ni\u017e\u0161ie v\u00fdnosy oproti dynamickej\u0161\u00edm invest\u00edci\u00e1m<\/strong><\/h3>\n\n\n\n<p>V porovnan\u00ed s rizikovej\u0161\u00edmi invest\u00edciami ako akcie, ETF fondy alebo realitn\u00fd crowdfunding pon\u00fakaj\u00fa \u0161t\u00e1tne dlhopisy relat\u00edvne n\u00edzke v\u00fdnosy. Napr\u00edklad pri investovan\u00ed do nehnute\u013enost\u00ed prostredn\u00edctvom crowdfundingu m\u00f4\u017eete dosiahnu\u0165 v\u00fdnosy okolo 8-12 % ro\u010dne, av\u0161ak za cenu vy\u0161\u0161ieho rizika.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Citlivos\u0165 na zmeny \u00farokov\u00fdch sadzieb<\/strong><\/h3>\n\n\n\n<p>Pokia\u013e by ste potrebovali dlhopis preda\u0165 pred splatnos\u0165ou, jeho cena na sekund\u00e1rnom trhu z\u00e1vis\u00ed od aktu\u00e1lnych \u00farokov\u00fdch sadzieb. Ak by \u00farokov\u00e9 sadzby vzr\u00e1stli, cena v\u00e1\u0161ho dlhopisu by mohla klesn\u00fa\u0165, \u010do by znamenalo stratu pri pred\u010dasnom predaji.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pre koho s\u00fa \u0161t\u00e1tne dlhopisy ide\u00e1lnou invest\u00edciou?<\/strong><\/h2>\n\n\n\n<p>\u0160t\u00e1tne dlhopisy s\u00fa vhodn\u00e9 predov\u0161etk\u00fdm pre:<\/p>\n\n\n\n<ul>\n<li><strong>Konzervat\u00edvnych investorov<\/strong>, ktor\u00ed uprednost\u0148uj\u00fa istotu pred vy\u0161\u0161\u00edm potenci\u00e1lnym ziskom<\/li>\n\n\n\n<li><strong>\u013dud\u00ed s vo\u013en\u00fdmi prostriedkami<\/strong>, ktor\u00e9 nebud\u00fa potrebova\u0165 v horizonte 2-4 rokov<\/li>\n\n\n\n<li><strong>Investorov h\u013eadaj\u00facich da\u0148ov\u00e9 zv\u00fdhodnenie<\/strong> a garantovan\u00fd v\u00fdnos<\/li>\n\n\n\n<li><strong>Za\u010d\u00ednaj\u00facich investorov<\/strong> bez sk\u00fasenost\u00ed s rizikovej\u0161\u00edmi invest\u00edciami<\/li>\n\n\n\n<li><strong>\u013dud\u00ed bl\u00edzko d\u00f4chodkov\u00e9ho veku<\/strong>, ktor\u00ed si nem\u00f4\u017eu dovoli\u0165 riskova\u0165 stratu \u00faspor<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Alternat\u00edvy ku \u0161t\u00e1tnym dlhopisom<\/strong><\/h2>\n\n\n\n<p>Ak zva\u017eujete investovanie a h\u013ead\u00e1te alternat\u00edvy k \u0161t\u00e1tnym dlhopisom, stoj\u00ed za \u00favahu:<\/p>\n\n\n\n<ul>\n<li><strong>Term\u00ednovan\u00e9 vklady<\/strong> \u2013 men\u0161\u00ed v\u00fdnos, ale vy\u0161\u0161ia likvidita<\/li>\n\n\n\n<li><strong>ETF fondy<\/strong> \u2013 vy\u0161\u0161\u00ed potenci\u00e1l zhodnotenia pri dlhodobom horizonte<\/li>\n\n\n\n<li><strong>Immobilien-Crowdfunding<\/strong> \u2013 vy\u0161\u0161\u00ed v\u00fdnos so zabezpe\u010den\u00edm v podobe nehnute\u013enost\u00ed<\/li>\n<\/ul>\n\n\n\n<p>Crowdfundingov\u00e9 invest\u00edcie do nehnute\u013enost\u00ed m\u00f4\u017eu by\u0165 zauj\u00edmavou alternat\u00edvou pre investorov, ktor\u00ed h\u013eadaj\u00fa vy\u0161\u0161\u00ed v\u00fdnos a s\u00fa ochotn\u00ed akceptova\u0165 o nie\u010do vy\u0161\u0161ie riziko. Tieto invest\u00edcie pon\u00fakaj\u00fa v\u00fdnosy \u010dasto nad \u00farov\u0148ou 8 % ro\u010dne a s\u00fa zabezpe\u010den\u00e9 re\u00e1lnymi nehnute\u013enos\u0165ami, \u010do zni\u017euje celkov\u00e9 riziko v porovnan\u00ed s in\u00fdmi vysokov\u00fdnosn\u00fdmi investi\u010dn\u00fdmi n\u00e1strojmi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Z\u00e1vere\u010dn\u00e9 zhodnotenie<\/strong><\/h2>\n\n\n\n<p>\u0160t\u00e1tne dlhopisy predstavuj\u00fa bezpe\u010dn\u00fa a da\u0148ovo zv\u00fdhodnen\u00fa formu invest\u00edcie, ktor\u00e1 je vhodn\u00e1 najm\u00e4 pre konzervat\u00edvnych investorov. Ich hlavn\u00e1 sila spo\u010d\u00edva v kombin\u00e1cii bezpe\u010dnosti, da\u0148ov\u00e9ho zv\u00fdhodnenia a dostupnosti pre \u0161irok\u00fa verejnos\u0165.<\/p>\n\n\n\n<p>Na druhej strane, investori h\u013eadaj\u00faci vy\u0161\u0161ie zhodnotenie by mali zv\u00e1\u017ei\u0165 aj in\u00e9 mo\u017enosti, najm\u00e4 ak maj\u00fa dlh\u0161\u00ed investi\u010dn\u00fd horizont a s\u00fa ochotn\u00ed akceptova\u0165 ur\u010dit\u00fa mieru rizika v\u00fdmenou za potenci\u00e1lne vy\u0161\u0161\u00ed v\u00fdnos.<\/p>\n\n\n\n<p>Ako pri ka\u017edej invest\u00edcii, aj pri \u0161t\u00e1tnych dlhopisoch je d\u00f4le\u017eit\u00e9 zv\u00e1\u017ei\u0165 svoje finan\u010dn\u00e9 ciele, investi\u010dn\u00fd horizont a toleranciu rizika. Diverzifik\u00e1cia investi\u010dn\u00e9ho portf\u00f3lia m\u00f4\u017ee by\u0165 k\u013e\u00fa\u010dom k dosiahnutiu optim\u00e1lneho pomeru medzi rizikom a v\u00fdnosom, a teda aj k dlhodob\u00e9mu finan\u010dn\u00e9mu \u00faspechu.<\/p>","protected":false},"excerpt":{"rendered":"<p>Slovensk\u00e1 republika spustila za\u010diatkom marca 2025 predaj \u0161t\u00e1tnych dlhopisov ur\u010den\u00fdch pre ob\u010danov, ktor\u00e9 vyvolali mimoriadny z\u00e1ujem \u2013 len po\u010das prv\u00e9ho d\u0148a \u013eudia nak\u00fapili dlhopisy v hodnote 263 mili\u00f3nov eur. T\u00e1to nov\u00e1 investi\u010dn\u00e1 pr\u00edle\u017eitos\u0165 pon\u00faka zauj\u00edmav\u00e9 podmienky, no je skuto\u010dne tak\u00e1 v\u00fdhodn\u00e1, ako sa na prv\u00fd poh\u013ead zd\u00e1? Pozrime sa bli\u017e\u0161ie na to, \u010do \u0161t\u00e1tne dlhopisy [&hellip;]<\/p>","protected":false},"author":14,"featured_media":329848,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,12,14],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0160t\u00e1tne dlhopisy pre ob\u010danov: Atrakt\u00edvna invest\u00edcia alebo prem\u00e1rnen\u00e1 pr\u00edle\u017eitos\u0165? - Invest in Slovakia<\/title>\n<meta name=\"description\" content=\"Zistite, \u010di s\u00fa nov\u00e9 \u0161t\u00e1tne dlhopisy s v\u00fdnosom 3-3,3% p.a. a da\u0148ov\u00fdm zv\u00fdhodnen\u00edm spr\u00e1vnou vo\u013ebou pre va\u0161e \u00faspory. 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