{"id":1145,"date":"2021-03-29T00:00:00","date_gmt":"2021-03-28T22:00:00","guid":{"rendered":"https:\/\/investinslovakia.eu\/som-v-investovani-zaciatocnik-ake-mam-moznosti\/"},"modified":"2021-12-07T21:13:06","modified_gmt":"2021-12-07T19:13:06","slug":"som-v-investovani-zaciatocnik-ake-mam-moznosti","status":"publish","type":"post","link":"https:\/\/wordpress.investinslovakia.eu\/sk\/som-v-investovani-zaciatocnik-ake-mam-moznosti\/","title":{"rendered":"Som v investovan\u00ed za\u010diato\u010dn\u00edk. Ak\u00e9 m\u00e1m mo\u017enosti?"},"content":{"rendered":"\n
Mnoho \u013eud\u00ed si e\u0161te dodnes mysl\u00ed, \u017ee investovanie je vyhradne iba pre bohat\u00fdch. K\u00fdm pred 10 rokmi to e\u0161te do istej miery bola pravda, bari\u00e9ry vstupu na trh invest\u00edci\u00ed s\u00fa u\u017e dnes pre\u010d a investi\u010dn\u00e9 pr\u00edle\u017eitosti s\u00fa tak otvoren\u00e9 pre v\u0161etk\u00fdch. Dnes sa spolo\u010dne pozrieme na invest\u00edcie, ktor\u00e9 s\u00fa vhodn\u00e9 pre investorov - za\u010diato\u010dn\u00edkov.<\/em><\/p>\n\n\n\n Investovanie je skvel\u00fd sp\u00f4sob, ako roz\u0161irova\u0165 svoje bohatstvo<\/strong> a zvy\u0161ova\u0165 takzvan\u00fd NET WORTH<\/em>, teda \u010dist\u00fa hodnotu majetku. Dobrou spr\u00e1vou je, \u017ee moment\u00e1lne je k dispoz\u00edci\u00ed mno\u017estvo invest\u00edci\u00ed vhodn\u00fdch pre za\u010diato\u010dn\u00edkov, z ktor\u00fdch si skuto\u010dne sta\u010d\u00ed iba vybra\u0165<\/strong>.<\/p>\n\n\n\n Medzi najob\u013e\u00fabenej\u0161ie invest\u00edcie za\u010diato\u010dn\u00edkov patria starobn\u00e9 d\u00f4chodkov\u00e9 sporenie<\/strong> (druh\u00fd pilier), r\u00f4zne investi\u010dn\u00e9 aplik\u00e1cie <\/strong>ako napr\u00edklad eToro alebo Lynx, \u010falej investovanie do zmie\u0161an\u00fdch a indexov\u00fdch fondov <\/strong>pomocou v\u00e1\u0161ho bank\u00e1ra a taktie\u017e aj invest\u00edcie do ETF fondov<\/strong> obchodovan\u00fdch na burze (z ang. Exchange-traded funds).<\/p>\n\n\n\n A pr\u00e1ve tie posledn\u00e9 spom\u00ednan\u00e9 s\u00fa pre n\u00e1s z poh\u013eadu investora - nov\u00e1\u010dika najzauj\u00edmavej\u0161ie.<\/p>\n\n\n\n ETF je fond, ktor\u00fd kop\u00edruje ur\u010dit\u00e9 podkladov\u00e9 akt\u00edvum, v\u00e4\u010d\u0161inou indexov\u00fd fond<\/strong>, \u010d\u00edm kop\u00edruje aj jeho cenov\u00fd v\u00fdvoj. Pre\u010do si nek\u00fapi\u0165 rovno indexov\u00fd fond, p\u00fdtate sa? A t\u00e1to ot\u00e1zka je samozrejme na mieste.<\/p>\n\n\n\n Na rozdiel od indexov\u00e9ho fondu, ETF fond je pas\u00edvne riaden\u00fd fond<\/strong>, \u010d\u00edm vy\u017eaduje ni\u017e\u0161ie ro\u010dn\u00e9 poplatky za jeho dr\u017eanie v portf\u00f3liu. Taktie\u017e sa pri \u0148om vytr\u00e1ca bari\u00e9ra vstupu, nako\u013eko je obchodovate\u013en\u00fd u\u017e od mal\u00fdch \u010diastok<\/strong>. Na k\u00fapu indexov\u00e9ho fondu si mus\u00edte pripravi\u0165 minim\u00e1lne zop\u00e1r tis\u00edc eur ako jednorazov\u00fa vstupn\u00fa invest\u00edciu.<\/p>\n\n\n\n V neposlednom rade je v\u00fdhodou ETF fondov ich v\u00fdrazne n\u00edzke riziko s vidinou nieko\u013eko percentn\u00e9ho zhodnotenia ka\u017ed\u00fd rok, na \u00farovni okolo 7 %.<\/strong> Nakoniec, ako s\u00e1m najv\u00e4\u010d\u0161\u00ed investor sveta, Warren Buffett, povedal: \u201ePravideln\u00fdm investovan\u00edm do indexov\u00e9ho fondu m\u00f4\u017ee investor, ktor\u00fd ni\u010d nevie, prekona\u0165 v\u00e4\u010d\u0161inu investi\u010dn\u00fdch profesion\u00e1lov.\u201c<\/em><\/p>\n\n\n\n Z\u00e1kladn\u00fdm ETF fondom je fond, ktor\u00fd sleduje najv\u00fdznamnej\u0161\u00ed index S&P 500, s n\u00e1zvom SPDR S&P 500 ETF<\/strong>, ticker SPY, zalo\u017een\u00fd v roku 1993.<\/p>\n\n\n\n Obchodovanie ETF fondov so sebou prin\u00e1\u0161a mno\u017estvo v\u00fdhod. Okrem t\u00fdch, ktor\u00e9 sme v \u010dl\u00e1nku u\u017e spomenuli (ni\u017e\u0161ie poplatky za spr\u00e1vu, n\u00edzka po\u010diato\u010dn\u00e1 invest\u00edcia) s\u00fa to aj:<\/p>\n\n\n\n Diverzifik\u00e1cia portf\u00f3lia je pre ka\u017ed\u00e9ho investora mimoriadne d\u00f4le\u017eit\u00e1, nako\u013eko v\u00fdrazne zni\u017euje investi\u010dn\u00e9 riziko<\/strong>. Pr\u00e1ve preto s\u00fa aj ETF fondy pre investorov ve\u013ek\u00fdm l\u00e1kadlom. Investor toti\u017e m\u00f4\u017ee n\u00e1kupom ETF fondu nak\u00fapi\u0165 namiesto jednotliv\u00fdch akci\u00ed cel\u00fd k\u00f4\u0161 akci\u00ed,<\/strong> \u010do v praxi znamen\u00e1, \u017ee pr\u00edpadn\u00e9 straty niektor\u00fdch akci\u00ed hravo vykryj\u00fa a pred\u010dia zisky ostatn\u00fdch.<\/p>\n\n\n\n Vzh\u013eadom na to, \u017ee ETF fond prakticky kop\u00edruje naj\u00faspe\u0161nej\u0161ie indexov\u00e9 fondy sveta, sa m\u00f4\u017eete spo\u013eahn\u00fa\u0165, \u017ee kvalita jednotliv\u00fdch akci\u00ed v ETF fonde je t\u00e1 najvy\u0161\u0161ia mo\u017en\u00e1<\/strong>. Tak napr\u00edklad v u\u017e spom\u00ednanom ETF fonde SPDR S&P 500 ETF (SPY) n\u00e1jdete akcie 500 najv\u00e4\u010d\u0161\u00edch americk\u00fdm spolo\u010dnost\u00ed, medzi nimi aj zna\u010dky, ktor\u00e9 ur\u010dite dobre pozn\u00e1te, ako Apple, Microsoft, Amazon, Tesla, \u010di Facebook.<\/strong><\/p>\n\n\n\n V neposlednom rade je ve\u013ekou v\u00fdhodou investovania do ETF fondov ich likvidita v pr\u00edpade, ak by ste sa potrebovali r\u00fdchlo dosta\u0165 k svojmu investovan\u00e9mu kapit\u00e1lu.<\/strong> Ke\u010f\u017ee cena ETF fondu sa neust\u00e1le po\u010das obchodn\u00e9ho d\u0148a men\u00ed, vy ako investor m\u00f4\u017eete nakupova\u0165 aj pred\u00e1va\u0165 ETF fondy hocikedy v priebehu obchodn\u00fdch hod\u00edn dan\u00e9ho ETF fondu.<\/p>\n\n\n\n Tak a to by bolo pre dne\u0161n\u00fd \u010dl\u00e1nok v\u0161etko. Zauj\u00edmali by v\u00e1s podrobnej\u0161ie aj in\u00e9 typy invest\u00edci\u00ed vhodn\u00fdch pre za\u010diato\u010dn\u00edkov<\/strong>? Dajte n\u00e1m vedie\u0165 a sledujte n\u00e1s aj na\u010falej pre vzdel\u00e1vacie \u010dl\u00e1nky zo sveta invest\u00edci\u00ed.<\/p>\n\n\n\n *Na\u0161li ste chybu? Nap\u00ed\u0161te n\u00e1m na podpora@investiciaslovensko.sk<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Mnoho \u013eud\u00ed si e\u0161te dodnes mysl\u00ed, \u017ee investovanie je vyhradne iba pre bohat\u00fdch. K\u00fdm pred 10 rokmi to e\u0161te do istej miery bola pravda, bari\u00e9ry vstupu na trh invest\u00edci\u00ed s\u00fa u\u017e dnes pre\u010d a investi\u010dn\u00e9 pr\u00edle\u017eitosti s\u00fa tak otvoren\u00e9 pre v\u0161etk\u00fdch. Dnes sa spolo\u010dne pozrieme na invest\u00edcie, ktor\u00e9 s\u00fa vhodn\u00e9 pre investorov - za\u010diato\u010dn\u00edkov. Investovanie […]<\/p>\n","protected":false},"author":3,"featured_media":1568,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"acf":[],"yoast_head":"\n\u010co je to ETF?<\/h2>\n\n\n\n
Pre\u010do investova\u0165 do ETF<\/h2>\n\n\n\n