{"id":947,"date":"2020-09-17T00:00:00","date_gmt":"2020-09-16T22:00:00","guid":{"rendered":"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/"},"modified":"2021-12-07T21:30:58","modified_gmt":"2021-12-07T19:30:58","slug":"diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/en\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/","title":{"rendered":"Portfolio diversification or How to reduce investment risk"},"content":{"rendered":"<p><em>Diversification is the best known management technique\nof investment risk, which consists of placing funds in\ndifferent types of investments. Dividing the capital to be invested into several\nsmaller portions protects the investor from the risk of a single unprofitable asset purchase. V\ntoday's article, we'll talk about what portfolio diversification can look like from\npractical terms.<\/em><\/p>\n\n\n\n<p>Let's start by defining the different types of investments. Indeed, in today's world, every investor, even smaller ones, has a multitude of asset types in which to invest. Among <strong>The most well-known types of investments include securities such as stocks and bonds, as well as real estate, <\/strong>whether in the form of a direct purchase or in the form of <a href=\"https:\/\/investiciaslovensko.sk\/\">crowdfunding<\/a> in various real estate investment projects, <strong>and also commodities such as gold<\/strong>which is benefiting from the current situation with the COVID-19 disease pandemic and whose prices are at record highs these days. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Diversification\nwithin one type of investment<\/h4>\n\n\n\n<p>For better\nidea, let us choose a financial market offering shares of companies.<strong> An investor who does not diversify his\ninvests the entire amount of capital to be invested in the purchase of a single share\ncompany<\/strong>, which he has long believed in and logically expects to see an increase in the value of the shares\nof that company. Some investors speculate, in addition to the increase in value\nof the investment, the payment of quarterly dividends, which for some\ncompanies can be as high as 5-10%.<\/p>\n\n\n\n<p>However, this approach has two fundamental risks. <strong>The first risk is the risk of poor timing of the purchase of the investment.<\/strong> No one in the world, as has been confirmed many times, indeed not even Warren Buffett, can time the market, that is, predict its development for the next period. Thus, with a one-off investment of, say, EUR 10 000, an investor buys a certain number of shares at a certain price, say EUR 50 per share. However, if he divides his purchases into 4 purchases of 2500 euros each, he would then buy once at 50 euros per share, later at 43 euros, 47 euros and the last purchase at 52 euros. In this case, the investor would have averaged the purchase price and thus bought cheaper overall.<\/p>\n\n\n\n<p>The second risk of this approach is <strong>dependence on the success of a single company. <\/strong>Companies that can go bankrupt. A company that may be in a sector that will be hit by a crisis, as we are currently seeing, for example, in airlines, cruise lines and also in the automotive sector. <\/p>\n\n\n\n<p><strong>Diversification of the investment portfolio is the solution<\/strong>which should <strong>include several\nshares of different companies, ideally also from different sectors.<\/strong> To\ndiversify your investment portfolio even further, you can focus on buying\nstocks from different countries. Naturally diversified are, for example, index\nfunds, which are themselves made up of several dozen company shares.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Diversification\nby buying different types of investments<\/h4>\n\n\n\n<p>The basic premise\nof investing is <strong>the selection of assets to be\nwe believe have the greatest profit potential. <\/strong>Success in investing, however\nalso depends on something else - time. <strong>Time is\na powerful variable in investing<\/strong>which often really has more power than\nthe quality of the investment itself, or the ideal timing of the entry into the investment. And thus\nreason why this is so is a phenomenon called <strong>compound interest<\/strong>.<\/p>\n\n\n\n<p>Therefore, rather than waiting for an opportune moment to buy an asset, it is recommended <strong>act immediately if it makes even the slightest sense, for example when the market is naturally in a correction<\/strong>, i.e. at a lower price. Market corrections, at least small ones, happen really often, so you don't have to worry about waiting, say, half a year for the next correction. If you put off buying an asset, you may (and may not) buy it at a better price than a year ago, but in that time the investment may have already earned you a profit.<\/p>\n\n\n\n<p>And that is why <strong>it pays to buy investments really\non an ongoing basis and also in a sufficiently diversified mix. <\/strong>If\nyou prefer mixed diversification, include in your portfolio, in addition to\nyour primary investment type as well as other types. Excellent choices are\nBonds, which are generally considered one of the safest forms of\ninvestments, and which can protect at least a portion of your invested capital\nfrom any negative developments that may occur.<\/p>\n\n\n\n<p>What investments do you prefer? Let us know. We look forward to seeing you again in the next article from the world of investments, money and business. <\/p>\n\n\n\n<p><em>*Did you find an error? Email us at podpora@investiciaslovensko.sk<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Diversification is the most well-known investment risk management technique, which involves placing funds in different types of investments. Dividing the capital to be invested into several smaller parts protects the investor from the risk of one unprofitable asset purchase. In today's article, we will discuss what portfolio diversification can look like from a practical perspective. Let's start by defining the different types of investments. V [...]<\/p>","protected":false},"author":3,"featured_media":1620,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Diverzifik\u00e1cia portf\u00f3lia alebo Ako zn\u00ed\u017ei\u0165 investi\u010dn\u00e9 riziko - Invest in Slovakia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Diverzifik\u00e1cia portf\u00f3lia alebo Ako zn\u00ed\u017ei\u0165 investi\u010dn\u00e9 riziko - Invest in Slovakia\" \/>\n<meta property=\"og:description\" content=\"Diverzifik\u00e1cia je najzn\u00e1mej\u0161ia technika riadenia investi\u010dn\u00e9ho rizika, ktor\u00e1 spo\u010d\u00edva v ukladan\u00ed finan\u010dn\u00fdch prostriedkov do r\u00f4znych typov invest\u00edci\u00ed. Rozdelenie kapit\u00e1lu ur\u010den\u00e9ho na investovanie na nieko\u013eko men\u0161\u00edch \u010dast\u00ed chr\u00e1ni investora pred rizikom jedn\u00e9ho nev\u00fdhodn\u00e9ho n\u00e1kupu akt\u00edv. V dne\u0161nom \u010dl\u00e1nku si povieme o tom, ako m\u00f4\u017ee vyzera\u0165 diverzifik\u00e1cia portf\u00f3lia z praktick\u00e9ho h\u013eadiska. Za\u010dnime definovan\u00edm r\u00f4znych typov invest\u00edci\u00ed. V [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/\" \/>\n<meta property=\"og:site_name\" content=\"Invest in Slovakia\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-16T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-12-07T19:30:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/investinslovakia.eu\/wp-content\/uploads\/2020\/09\/shutterstock_25607731.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"750\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Anton Drozda\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Anton Drozda\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/\"},\"author\":{\"name\":\"Anton Drozda\",\"@id\":\"https:\/\/investinslovakia.eu\/#\/schema\/person\/7badbc0ebf4d3125b7842c4ecd7558aa\"},\"headline\":\"Diverzifik\u00e1cia portf\u00f3lia alebo Ako zn\u00ed\u017ei\u0165 investi\u010dn\u00e9 riziko\",\"datePublished\":\"2020-09-16T22:00:00+00:00\",\"dateModified\":\"2021-12-07T19:30:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/\"},\"wordCount\":901,\"publisher\":{\"@id\":\"https:\/\/investinslovakia.eu\/#organization\"},\"articleSection\":[\"O investovan\u00ed\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/\",\"url\":\"https:\/\/investinslovakia.eu\/diverzifikacia-portfolia-alebo-ako-znizit-investicne-riziko\/\",\"name\":\"Diverzifik\u00e1cia portf\u00f3lia alebo Ako zn\u00ed\u017ei\u0165 investi\u010dn\u00e9 riziko - 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