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Tak\u00fdto pr\u00edpad v s\u00fa\u010dasnosti v\u0161ak v r\u00e1mci jedn\u00e9ho, rovnak\u00e9ho typu akt\u00edv nen\u00e1jdete. Najspo\u013eahlivej\u0161ou diverzifik\u00e1ciou je teda rozlo\u017eenie portf\u00f3lia medzi r\u00f4zne investi\u010dn\u00e9 akt\u00edva<\/strong>. Teda ak m\u00e1m v\u00e4\u010d\u0161inu svojho portf\u00f3lia alokovan\u00fa do volatiln\u00fdch akci\u00ed, ako diverzifik\u00e1tor pou\u017eijem napr\u00edklad dlhopisy, REITy alebo in\u00e9 stabilnej\u0161ie invest\u00edcie. Jedn\u00fdm z t\u00fdch najlep\u0161\u00edch sp\u00f4sobov diverzifik\u00e1cie v\u00e1\u0161ho portf\u00f3lia s\u00fa pr\u00e1ve invest\u00edcie do nehnute\u013enost\u00ed. Tie s\u00fa dlhodobo ob\u013e\u00fabenou investi\u010dnou mo\u017enos\u0165ou, a to z dobr\u00e9ho d\u00f4vodu. Pon\u00fakaj\u00fa cel\u00fd rad v\u00fdhod vr\u00e1tane stability, pe\u0148a\u017en\u00fdch tokov, dlhodob\u00e9ho zhodnotenia, aj ve\u013emi jednoduchej diverzifik\u00e1cie.<\/p>\n\n\n\n<\/div>\n\n\n\n
Pre\u010do s\u00fa nehnute\u013enosti dobrou diverzifika\u010dnou strat\u00e9giou?<\/h2>\n\n\n\n Nehnute\u013enosti sa u\u017e dlho pova\u017euj\u00fa za spo\u013eahliv\u00fd investi\u010dn\u00fd n\u00e1stroj na diverzifik\u00e1ciu. A to hne\u010f z viacer\u00fdch k\u013e\u00fa\u010dov\u00fdch d\u00f4vodov:<\/p>\n\n\n\n
\nN\u00edzka korel\u00e1cia s tradi\u010dn\u00fdmi akt\u00edvami<\/strong>: Nehnute\u013enosti \u010dasto vykazuj\u00fa n\u00edzku korel\u00e1ciu s tradi\u010dn\u00fdmi triedami akt\u00edv, ako s\u00fa akcie a dlhopisy. To znamen\u00e1, \u017ee ke\u010f akciov\u00fd trh zaznamen\u00e1 pokles, invest\u00edcie do nehnute\u013enost\u00ed nemusia by\u0165 tak silno ovplyvnen\u00e9, \u010do poskytuje vank\u00fa\u0161 pre va\u0161e portf\u00f3lio.<\/li>\n\n\n\nHmotn\u00e9 akt\u00edvum<\/strong>: Na rozdiel od akci\u00ed a dlhopisov s\u00fa nehnute\u013enosti hmotn\u00fdm akt\u00edvom, ktor\u00e9 m\u00e1 vn\u00fatorn\u00fa hodnotu. Investori m\u00f4\u017eu svoje invest\u00edcie fyzicky vidie\u0165 a dotkn\u00fa\u0165 sa ich, \u010do im m\u00f4\u017ee poskytn\u00fa\u0165 pocit istoty a stability.<\/li>\n\n\n\nGenerovanie pas\u00edvneho pr\u00edjmu<\/strong>: Invest\u00edcie do nehnute\u013enost\u00ed zvy\u010dajne pon\u00fakaj\u00fa stabiln\u00fd tok pr\u00edjmov (cashflow) vo forme platieb za pren\u00e1jom, \u010do pre investorov predstavuje pas\u00edvny zdroj pr\u00edjmov.<\/li>\n\n\n\nZhodnotenie<\/strong>: V priebehu \u010dasu sa hodnota nehnute\u013enost\u00ed zvy\u010dajne zvy\u0161uje, \u010do investorom umo\u017e\u0148uje profitova\u0165 zo zhodnotenia ich nehnute\u013en\u00e9ho majetku.<\/li>\n\n\n\nZabezpe\u010denie proti infl\u00e1cii<\/strong>: Invest\u00edcie do nehnute\u013enost\u00ed m\u00f4\u017eu p\u00f4sobi\u0165 ako poistka proti infl\u00e1cii, ke\u010f\u017ee hodnota nehnute\u013enost\u00ed a pr\u00edjmy z pren\u00e1jmu \u010dasto rast\u00fa v s\u00falade s mierou infl\u00e1cie.<\/li>\n<\/ul>\n\n\n\n<\/div>\n\n\n\n
Vstup do crowdfundingu nehnute\u013enost\u00ed<\/h2>\n\n\n\n Crowdfundingov\u00e9 platformy priniesli revol\u00faciu v investovan\u00ed do nehnute\u013enost\u00ed a spr\u00edstupnili ho \u0161irok\u00e9mu publiku. Crowdfundingov\u00e9 financovanie realitn\u00fdch projektov umo\u017e\u0148uje jednotlivcom zdru\u017eova\u0165 svoje zdroje a kolekt\u00edvne investova\u0165 do nehnute\u013enost\u00ed, \u010d\u00edm sa uvo\u013e\u0148uj\u00fa pr\u00edle\u017eitosti, ktor\u00e9 boli kedysi pr\u00edstupn\u00e9 len pre in\u0161titucion\u00e1lnych investorov a bohat\u00fdch jednotlivcov.<\/p>\n\n\n\n
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S crowdfundingom m\u00f4\u017ee investova\u0165 ka\u017ed\u00fd<\/figcaption><\/figure>\n\n\n\n<\/div>\n\n\n\n
Pre\u010do je crowdfunding nehnute\u013enost\u00ed<\/strong> skvelou vo\u013ebou <\/strong>pre ka\u017ed\u00e9ho investora?<\/p>\n\n\n\n\nAvailability<\/strong>: V\u010faka crowdfundingov\u00fdm platform\u00e1m sa zn\u00ed\u017eili prek\u00e1\u017eky vstupu na trh s nehnute\u013enos\u0165ami, \u010do umo\u017e\u0148uje investorom so skromn\u00fdm kapit\u00e1lom z\u00fa\u010dastni\u0165 sa na trhu s nehnute\u013enos\u0165ami. To znamen\u00e1, \u017ee diverzifikova\u0165 svoje portf\u00f3lio invest\u00edciami do nehnute\u013enost\u00ed m\u00f4\u017eu aj investori, ktor\u00ed s budovan\u00edm svojho bohatstva e\u0161te len za\u010d\u00ednaj\u00fa. Bez toho, aby potrebovali zna\u010dn\u00fd po\u010diato\u010dn\u00fd kapit\u00e1l.<\/li>\n\n\n\nDiverzifik\u00e1cia aj v r\u00e1mci nehnute\u013enost\u00ed<\/strong>: Crowdfundingov\u00e9 platformy pon\u00fakaj\u00fa \u0161irok\u00fa \u0161k\u00e1lu invest\u00edci\u00ed do nehnute\u013enost\u00ed, ktor\u00e9 zah\u0155\u0148aj\u00fa r\u00f4zne typy nehnute\u013enost\u00ed, \u00fa\u010dely vyu\u017eitia, lokality, rizikov\u00e9 profily, aj krajiny. Investori m\u00f4\u017eu \u010falej diverzifikova\u0165 svoje portf\u00f3lio investovan\u00edm do viacer\u00fdch projektov s r\u00f4znymi charakteristikami.<\/li>\n\n\n\nOdborn\u00e1 spr\u00e1va<\/strong>: V\u00e4\u010d\u0161ina crowdfundingov\u00fdch platforiem spolupracuje so sk\u00fasen\u00fdmi developermi a prev\u00e1dzkovate\u013emi nehnute\u013enost\u00ed, ktor\u00ed nehnute\u013enosti spravuj\u00fa v mene investorov. Investori tak m\u00f4\u017eu vyu\u017e\u00edva\u0165 odborn\u00e9 znalosti profesion\u00e1lov v odbore bez toho, aby museli sami akt\u00edvne spravova\u0165 nehnute\u013enosti.<\/li>\n\n\n\nTransparency<\/strong>: Crowdfundingov\u00e9 platformy zvy\u010dajne poskytuj\u00fa komplexn\u00e9 inform\u00e1cie o ka\u017edej investi\u010dnej pr\u00edle\u017eitosti vr\u00e1tane podrobn\u00fdch spr\u00e1v o nehnute\u013enostiach, finan\u010dn\u00fdch progn\u00f3z a anal\u00fdzy trhu. T\u00e1to transparentnos\u0165 umo\u017e\u0148uje investorom prij\u00edma\u0165 informovan\u00e9 rozhodnutia a budova\u0165 dobre diverzifikovan\u00e9 portf\u00f3lio nehnute\u013enost\u00ed.<\/li>\n<\/ul>\n\n\n\n<\/div>\n\n\n\n
Diverzifik\u00e1cia je k\u013e\u00fa\u010dov\u00e1 pre takmer ka\u017ed\u00e9ho investora a nehnute\u013enosti pon\u00fakaj\u00fa jedine\u010dn\u00fd a hodnotn\u00fd doplnok ka\u017ed\u00e9ho investi\u010dn\u00e9ho portf\u00f3lia. \u00da\u010das\u0165ou na crowdfundingu nehnute\u013enost\u00ed m\u00f4\u017eu investori z\u00edska\u0165 pr\u00edstup k \u0161irokej \u0161k\u00e1le typov nehnute\u013enost\u00ed a geografick\u00fdch oblast\u00ed, vyu\u017e\u00edva\u0165 v\u00fdhody odborn\u00e9ho riadenia a vyu\u017e\u00edva\u0165 v\u00fdhody transparentn\u00e9ho investi\u010dn\u00e9ho procesu. \u010ci u\u017e ste sk\u00fasen\u00fd investor alebo pr\u00e1ve za\u010d\u00ednate svoju investi\u010dn\u00fa cestu, realitn\u00e9 crowdfundingov\u00e9 financovanie predstavuje atrakt\u00edvnu pr\u00edle\u017eitos\u0165 na roz\u0161\u00edrenie v\u00e1\u0161ho portf\u00f3lia a dosiahnutie va\u0161ich finan\u010dn\u00fdch cie\u013eov.<\/p>\n\n\n\n