{"id":1801,"date":"2019-12-29T20:28:51","date_gmt":"2019-12-29T19:28:51","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=1801"},"modified":"2020-01-07T19:37:30","modified_gmt":"2020-01-07T18:37:30","slug":"chyby-pri-investovani-predsavzatia-slovakov","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/chyby-pri-investovani-predsavzatia-slovakov\/","title":{"rendered":"Sporenie je top predsavzatie. Kde robia Slov\u00e1ci chyby pri investovan\u00ed?"},"content":{"rendered":"

Pr\u00edchod Nov\u00e9ho roka si mnoh\u00ed z n\u00e1s sp\u00e1jaj\u00fa s bilancovan\u00edm a predsavzatiami. Prem\u00fd\u0161\u013eame, \u010do sa n\u00e1m za posledn\u00fdch 12 mesiacov podarilo a mnoh\u00ed si \u017eel\u00e1me, aby bol ten \u010fal\u0161\u00ed rok pre n\u00e1s lep\u0161\u00ed a \u00faspe\u0161nej\u0161\u00ed. K naj\u010dastej\u0161\u00edm predsavzatiam Slov\u00e1kov patr\u00ed aj star\u00e9 zn\u00e1me prianie \u201cviac spori\u0165\u201d. Pritom si v\u0161ak mus\u00edme d\u00e1va\u0165 pozor na chyby pri investovan\u00ed. Aj v s\u00favislosti s v\u00fdvojom \u00farokov\u00fdch sadzieb na be\u017en\u00fdch bankov\u00fdch vkladov\u00fdch produktoch v s\u00fa\u010dasnosti u\u017e nie je pre \u013eud\u00ed d\u00f4le\u017eit\u00e1 len ot\u00e1zka \u201cko\u013eko\u201d, ale hlavne \u201ckam\u201d maj\u00fa peniaze odklada\u0165. Prieskum spolo\u010dnosti FinGO.sk uk\u00e1zal, \u017ee drviv\u00e1 v\u00e4\u010d\u0161ina klientov (a\u017e 92 %) nedok\u00e1\u017ee bez odbornej pomoci v\u00fdhodne zhodnocova\u0165 svoje peniaze a rob\u00ed chyby pri investovan\u00ed.\u00a0<\/b><\/p>\n

Spolo\u010dnos\u0165 FinGO.sk uskuto\u010dnila prieskum, do ktor\u00e9ho sa zapojilo viac ako 120 finan\u010dn\u00fdch sprostredkovate\u013eov a investi\u010dn\u00fdch \u0161pecialistov z\u00a0cel\u00e9ho Slovenska. P\u00fdtali sme sa ich na sk\u00fasenosti s klientmi, ktor\u00ed sa kv\u00f4li \u010dast\u00fdm chyb\u00e1m zbyto\u010dne ukracuj\u00fa o\u00a0lep\u0161ie zhodnotenie pe\u0148az\u00ed, a to dokonca aj v\u00a0takej d\u00f4le\u017eitej oblasti ako s\u00fa ich d\u00f4chodky. <\/span>\u201eOblas\u0165 investovania mnoh\u00ed klienti st\u00e1le podce\u0148uj\u00fa, preto ich u\u010d\u00edme invest\u00edcie\u00a0diverzifikova\u0165 a\u00a0z\u00e1rove\u0148 vybra\u0165 tak\u00e9 investi\u010dn\u00e9 n\u00e1stroje, do ktor\u00fdch bud\u00fa svoje peniaze nielen odklada\u0165, ale ich aj zhodnocova\u0165,<\/i>\u201c<\/i>\u00a0hovor\u00ed gener\u00e1lny riadite\u013e <\/span>spolo\u010dnosti <\/span>FinGO.sk<\/span><\/a>\u00a0Ondrej\u00a0<\/span>Matvija.<\/span><\/p>\n

Pre\u010do teda Slov\u00e1ci nevedia spr\u00e1vne investova\u0165 a na ak\u00e9 chyby pri investovan\u00ed si treba da\u0165 pozor?<\/span><\/p>\n

\"\"<\/p>\n

Pozor na \u010dast\u00e9 chyby pri investovan\u00ed a sporen\u00ed<\/b><\/h2>\n

V\u00a0prieskume makl\u00e9ri zhodnotili, ak\u00e9 naj\u010dastej\u0161ie chyby robia klienti v\u00a0oblasti investovania, resp. sporenia<\/span>. \u201eA\u017e 72 % klientov na sporenie vyu\u017e\u00edva star\u00e9 a nev\u00fdhodn\u00e9 sporiace produkty s\u00a0n\u00edzkym \u00faro\u010den\u00edm. 6 z\u00a010 klientov nedodr\u017eiava investi\u010dn\u00fd horizont a viac ako polovica \u013eud\u00ed m\u00e1 na investi\u010dn\u00e9 ciele zvolen\u00e9 nevhodn\u00e9 produkty<\/i><\/b>,\u201c <\/b>hovor\u00ed Franti\u0161ek Burda, riadite\u013e pre invest\u00edcie a\u00a0zlato vo FinGO.sk.<\/span>\u00a0<\/b><\/p>\n

\u010co je e\u0161te hor\u0161ie, a\u017e 56 % klientov si nevie spr\u00e1vne spori\u0165 ani na d\u00f4chodok.<\/span> \u201eKlienti nemaj\u00fa zalo\u017een\u00fd II. d\u00f4chodkov\u00fd pilier alebo si v\u00a0\u0148om sporia v\u00a0nespr\u00e1vnych fondoch.<\/i><\/b> A\u00a0to by sa dalo ozna\u010di\u0165 za jeden z najv\u00e4\u010d\u0161\u00edch finan\u010dn\u00fdch pre\u0161\u013eapov, ktor\u00e9ho n\u00e1sledky si v\u0161ak uvedomia a\u017e o\u00a025 \u010di 35 rokov, ke\u010f bud\u00fa odch\u00e1dza\u0165 do d\u00f4chodku,\u201c<\/span><\/i> varuje investi\u010dn\u00fd odborn\u00edk.\u00a0<\/span><\/p>\n

Ak\u00e9 chyby pri investovan\u00ed n\u00e1m br\u00e1nia investova\u0165 v\u00fdhodne?\u00a0<\/b><\/h2>\n

Rad\u00ed Franti\u0161ek Burda, riadite\u013e pre invest\u00edcie a zlato vo\u00a0FinGO.sk<\/b><\/p>\n

Chyba 1: Na sporenie vyu\u017e\u00edvame star\u00e9 a u\u017e nev\u00fdhodn\u00e9 sporiace produkty s n\u00edzkym \u00faro\u010den\u00edm (72 %)<\/b><\/span><\/h3>\n

Be\u017en\u00e9 sporiace produkty ako boli vkladn\u00e9 kni\u017eky, nesk\u00f4r sporiace \u00fa\u010dty alebo term\u00ednovan\u00e9 vklady v\u00a0s\u00fa\u010dasnosti pon\u00fakaj\u00fa nev\u00fdhodn\u00e9 zhodnotenie, a\u00a0tak na nich viac str\u00e1cate ako zar\u00e1bate. Ke\u010f sa pozrieme na infl\u00e1ciu, ktor\u00e1 vyjadruje znehodnotenie pe\u0148az\u00ed, tak zist\u00edme, \u017ee napr\u00edklad v\u00a0septembri ceny medziro\u010dne vzr\u00e1stli o\u00a02,9 %. Zjednodu\u0161ene sa d\u00e1 poveda\u0165 – ak va\u0161e peniaze nezarobili medziro\u010dne aspo\u0148 2,9 %, tak ste stratili na ich k\u00fapnej sile. V\u00a0oblasti invest\u00edci\u00ed v\u00a0s\u00fa\u010dasnosti existuj\u00fa nov\u00e9 mo\u017enosti\u00a0ako je investovanie do zlata, do akci\u00ed, dlhopisov alebo nehnute\u013enost\u00ed aj od ni\u017e\u0161ej sumy ako kedysi. Je potrebn\u00e9 voli\u0165 tak\u00e9 investi\u010dn\u00e9 produkty, ktor\u00e9 prekab\u00e1tia infl\u00e1ciu a z\u00e1rove\u0148 va\u0161e peniaze aj v\u00fdhodne zhodnotia.<\/span><\/i><\/p>\n

TIP:<\/b> Poh\u013eadajte doma va\u0161e zastaral\u00e9 finan\u010dn\u00e9 zmluvy a\u00a0nechajte si ich bezplatne prekontrolova\u0165<\/a>. Nemus\u00ed \u00eds\u0165 len o\u00a0nev\u00fdhodn\u00e9 sporenie, ale mo\u017eno si plat\u00edte aj nev\u00fdhodn\u00fa \u017eivotn\u00fa poistku, poistenie dom\u00e1cnosti a nehnute\u013enosti alebo p\u00f4\u017ei\u010dku \u010di hypot\u00e9ku, na ktor\u00fdch by ste mohli v\u00fdrazne u\u0161etri\u0165.\u00a0 <\/span><\/p><\/blockquote>\n

Chyba 2: Nedodr\u017eiavame investi\u010dn\u00fd horizont a vyber\u00e1me peniaze z produktov sk\u00f4r, \u010d\u00edm\u00a0prich\u00e1dzame o\u00a0v\u00e4\u010d\u0161\u00ed zisk (60 %)<\/b><\/span><\/h3>\n

Slov\u00e1kov \u010dasto vypla\u0161\u00ed zop\u00e1r negat\u00edvnych spr\u00e1v, a\u00a0tak h\u00fafne ru\u0161ia invest\u00edcie alebo vyberaj\u00fa len mal\u00e9 zisky. \u010cas v\u0161ak zohr\u00e1va v investovan\u00ed podstatn\u00fa rolu a \u010d\u00edm dlh\u0161ie nech\u00e1te va\u0161e peniaze zar\u00e1ba\u0165, t\u00fdm lep\u0161\u00ed v\u00fdnos m\u00f4\u017eete dosiahnu\u0165. Na tom je postaven\u00fd cel\u00fd trh investovania a fungovanie dlhodob\u00fdch investi\u010dn\u00fdch produktov. Kto je netrpezliv\u00fd, ten o svoje zhodnotenie pr\u00edde, \u010do je ve\u013ek\u00e1 \u0161koda. Plat\u00ed jednoduch\u00e9 pravidlo – akcie, akciov\u00e9 fondy, indexov\u00e9 fondy a investi\u010dn\u00e9 zlato patria do dlhodob\u00e9ho investovania, \u010di\u017ee na\u00a0t\u00fdchto sporiacich produktoch si treba spori\u0165 5 rokov a\u00a0viac. Vtedy v\u00e1m invest\u00edcia prinesie najvy\u0161\u0161ie zhodnotenie.<\/span><\/i><\/p>\n

Chyba 3: Nevieme si spr\u00e1vne spori\u0165 na d\u00f4chodok. Nem\u00e1me II. pilier alebo si v\u00a0\u0148om spor\u00edme v\u00a0nespr\u00e1vnych fondoch (56 %)<\/b><\/span><\/h3>\n

V\u00fdhody II. piliera vyu\u017e\u00edva st\u00e1le viac Slov\u00e1kov, \u010do je dobr\u00e1 spr\u00e1va. Nestoj\u00ed v\u00e1s ni\u010d navy\u0161e a povinn\u00e9 odvody sa na osobnom d\u00f4chodcovskom \u00fa\u010dte premenia na va\u0161e \u00faspory na d\u00f4chodok. Ale zl\u00e1 spr\u00e1va je, \u017ee v\u00e4\u010d\u0161ina \u013eud\u00ed si v\u00a0II. pilieri spor\u00ed v\u00a0garantovan\u00fdch fondoch, ktor\u00e9 ich peniaze zhodnocuj\u00fa ve\u013emi konzervat\u00edvne. Niektor\u00e9 nezar\u00e1baj\u00fa v\u00f4bec a ich zhodnotenie v s\u00fa\u010dasnosti neprekon\u00e1 ani infl\u00e1ciu. S\u00fa ur\u010den\u00e9 sk\u00f4r pre star\u0161iu gener\u00e1ciu, ktor\u00e1 dov\u0155\u0161i d\u00f4chodkov\u00fd vek v horizonte krat\u0161om ako 15 rokov. Naopak negarantovan\u00e9 fondy pon\u00fakaj\u00fa podstatne vy\u0161\u0161\u00ed v\u00fdnos, preto ka\u017ed\u00e9mu, kto si na d\u00f4chodok bude spori\u0165 dlh\u0161ie ako 15 rokov, odpor\u00fa\u010dam presun\u00fa\u0165 \u00faspory do indexov\u00e9ho alebo akciov\u00e9ho fondu. T\u00fato zmenu m\u00f4\u017eete urobi\u0165 prakticky kedyko\u013evek. Znie to neuverite\u013ene, ale spr\u00e1vne zvolen\u00fd fond v d\u00f4chodkovom pilieri m\u00f4\u017ee v\u00e1\u0161 d\u00f4chodok nielen zdvojn\u00e1sobi\u0165, ale m\u00f4\u017ee ho zv\u00fd\u0161i\u0165 a\u017e 5-n\u00e1sobne.<\/span><\/i><\/p>\n

TIP:<\/b> Na zmenu fondu v druhom pilieri sta\u010d\u00ed jednoduch\u00fd formul\u00e1r, ktor\u00fd si stiahnete napr\u00edklad z internetovej str\u00e1nky svojej d\u00f4chodkovej spr\u00e1vcovskej spolo\u010dnosti. Ak by ste chceli zmeni\u0165 aj spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165, potrebujete na to od Soci\u00e1lnej pois\u0165ovne akcepta\u010dn\u00fd list. S n\u00edm uzatvor\u00edte nov\u00fa zmluvu s novou spolo\u010dnos\u0165ou a va\u0161a star\u00e1 zmluva zanikne automaticky.<\/span><\/p><\/blockquote>\n

Chyba 4: M\u00e1me na investi\u010dn\u00e9 ciele zvolen\u00e9 nevhodn\u00e9 produkty, nerozli\u0161ujeme medzi kr\u00e1tkodob\u00fdmi a\u00a0dlhodob\u00fdmi invest\u00edciami (55 %)<\/b><\/span><\/h3>\n

Peniaze sa odkladaj\u00fa podstatne jednoduch\u0161ie, ke\u010f m\u00e1te jasn\u00fa predstavu, na \u010do si spor\u00edte.\u00a0Cie\u013e je preto ve\u013emi d\u00f4le\u017eit\u00fd, nielen z d\u00f4vodu naplnenia z\u00e1meru, ale i spr\u00e1vneho nastavenia adekv\u00e1tnej mesa\u010dnej \u010diastky, ktor\u00e1 mus\u00ed by\u0165 v s\u00falade so zam\u00fd\u0161\u013ean\u00fdm cie\u013eom. Je rozdiel, \u010di si chcete odklada\u0165 peniaze bokom na dofinancovanie bud\u00facej hypot\u00e9ky o\u00a010 rokov, alebo si \u0161etr\u00edte na letn\u00fa dovolenku na bud\u00faci rok. Ak viete, \u017ee peniaze nebudete dlh\u0161ie obdobie potrebova\u0165, nemali by ste ich ma\u0165 na kr\u00e1tkodobom sporiacom \u00fa\u010dte s minim\u00e1lnym v\u00fdnosom a naopak. V\u00a0z\u00e1vislosti od toho, \u010di s\u00fa va\u0161e ciele kr\u00e1tkodob\u00e9 alebo dlhodob\u00e9, si potom vyberiete aj vhodn\u00fd investi\u010dn\u00fd produkt a\u00a0nastav\u00edte adekv\u00e1tnu sumu sporenia.<\/span><\/i><\/p>\n

TIP:<\/b> Existuje mno\u017estvo pr\u00edle\u017eitost\u00ed ako m\u00f4\u017eete va\u0161e peniaze lep\u0161ie zhodnoti\u0165, ale nie je v\u017edy jednoduch\u00e9 vyzna\u0165 sa vo v\u0161etk\u00fdch mo\u017enostiach. Ak si neviete vybra\u0165, obr\u00e1\u0165te sa na finan\u010dn\u00e9ho sprostredkovate\u013ea<\/a>, ktor\u00fd m\u00e1 preh\u013ead o\u00a0celom trhu, a najlep\u0161ie v\u00e1m porad\u00ed, ktor\u00e1 invest\u00edcia sa hod\u00ed na v\u00e1\u0161 investi\u010dn\u00fd cie\u013e.<\/span><\/p><\/blockquote>\n

Chyba 5: Slabo diverzifikujeme – nem\u00e1me svoje \u00faspory rozdelen\u00e9, \u010dasto investujeme len do jedn\u00e9ho produktu (38 %)<\/b><\/span><\/h3>\n

Investi\u010dn\u00e9 portf\u00f3lio klienta by malo by\u0165 \u0161ir\u0161ie a\u00a0rozdelen\u00e9 na produkty s\u00a0krat\u0161\u00edm sporen\u00edm, na ktor\u00e9 m\u00f4\u017eu siahnu\u0165 v pr\u00edpade nepredv\u00eddan\u00fdch udalost\u00ed a produkty s\u00a0dlh\u0161\u00edm sporiacim horizontom, kde nechaj\u00fa peniaze zar\u00e1ba\u0165. V s\u00fa\u010dasnosti sa oplat\u00ed poobzera\u0165 napr\u00edklad po indexov\u00fdch fondoch (tzv. ETF fondoch), ktor\u00e9 maj\u00fa viacero v\u00fdhod a prines\u00fa klientom vy\u0161\u0161ie zhodnotenie. Z\u00e1rove\u0148 odpor\u00fa\u010dam aspo\u0148 10 \u2013 15 % invest\u00edci\u00ed smerova\u0165 na sporenie do zlata, ktor\u00e9 sl\u00fa\u017ei ako ak\u00e1si ochrana investi\u010dn\u00e9ho portf\u00f3lia. Investi\u010dn\u00e9 zlato ochra\u0148uje klientov pred turbulenciami a nervozitou na finan\u010dn\u00fdch trhoch, preto sa ozna\u010duje ako poistka pre neist\u00e9 \u010dasy.<\/span><\/i><\/p>\n

\"\"<\/p>\n

S\u00a0vhodn\u00fdm v\u00fdberom investi\u010dn\u00fdch produktov v\u00e1m radi poradia aj\u00a0na\u0161i sk\u00fasen\u00ed FinGO.sk finan\u010dn\u00ed sprostredkovatelia<\/b>. Ochotne skontroluj\u00fa aj zastaral\u00e9 zmluvy, a\u00a0to nielen\u00a0k\u00a0sporeniu \u010di poisteniu, ale aj k\u00a0va\u0161im star\u0161\u00edm \u00faverom, na ktor\u00fdch v\u00e1m m\u00f4\u017eu\u00a0<\/b>zn\u00ed\u017ei\u0165 spl\u00e1tku.<\/b><\/a>\u00a0Aj v\u00a0nich sa toti\u017e \u010dasto ukr\u00fdva \u00faspora, o\u00a0ktorej mo\u017eno netu\u0161\u00edte, a\u00a0pritom by ste tieto peniaze mohli pokojne v\u00fdhodne investova\u0165.<\/p>\n

Ne\u010dakajte a obr\u00e1\u0165te sa na FinGO.sk \u2013 m\u00f4\u017eete n\u00e1m zavola\u0165 na \u010d\u00edslo 0800 60 10 60 alebo n\u00e1m\u00a0zanechajte va\u0161e \u00fadaje<\/a>\u00a0a my sa v\u00e1m ozveme.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pr\u00edchod Nov\u00e9ho roka si mnoh\u00ed z n\u00e1s sp\u00e1jaj\u00fa s bilancovan\u00edm a predsavzatiami. Prem\u00fd\u0161\u013eame, \u010do sa n\u00e1m za posledn\u00fdch 12 mesiacov podarilo a mnoh\u00ed si \u017eel\u00e1me, aby bol ten \u010fal\u0161\u00ed rok pre n\u00e1s lep\u0161\u00ed a \u00faspe\u0161nej\u0161\u00ed. K naj\u010dastej\u0161\u00edm predsavzatiam Slov\u00e1kov patr\u00ed aj star\u00e9 zn\u00e1me prianie \u201cviac spori\u0165\u201d. Pritom si v\u0161ak mus\u00edme d\u00e1va\u0165 pozor na chyby pri investovan\u00ed. Aj v s\u00favislosti s v\u00fdvojom \u00farokov\u00fdch sadzieb na be\u017en\u00fdch bankov\u00fdch vkladov\u00fdch produktoch v s\u00fa\u010dasnosti u\u017e nie je pre \u013eud\u00ed d\u00f4le\u017eit\u00e1 len ot\u00e1zka \u201cko\u013eko\u201d, ale hlavne \u201ckam\u201d maj\u00fa peniaze odklada\u0165. Prieskum spolo\u010dnosti FinGO.sk uk\u00e1zal, \u017ee drviv\u00e1 v\u00e4\u010d\u0161ina klientov (a\u017e 92 %) nedok\u00e1\u017ee bez odbornej pomoci v\u00fdhodne zhodnocova\u0165 svoje peniaze a rob\u00ed chyby pri investovan\u00ed.\u00a0 Spolo\u010dnos\u0165 FinGO.sk uskuto\u010dnila prieskum, do ktor\u00e9ho sa zapojilo viac ako 120 finan\u010dn\u00fdch sprostredkovate\u013eov a investi\u010dn\u00fdch \u0161pecialistov z\u00a0cel\u00e9ho Slovenska. P\u00fdtali sme sa ich na sk\u00fasenosti s klientmi, ktor\u00ed sa kv\u00f4li \u010dast\u00fdm chyb\u00e1m zbyto\u010dne ukracuj\u00fa o\u00a0lep\u0161ie zhodnotenie pe\u0148az\u00ed, a to dokonca aj v\u00a0takej d\u00f4le\u017eitej oblasti ako s\u00fa ich d\u00f4chodky. \u201eOblas\u0165 investovania mnoh\u00ed klienti st\u00e1le podce\u0148uj\u00fa, preto ich u\u010d\u00edme invest\u00edcie\u00a0diverzifikova\u0165 a\u00a0z\u00e1rove\u0148 vybra\u0165 tak\u00e9 investi\u010dn\u00e9 n\u00e1stroje, do ktor\u00fdch bud\u00fa svoje peniaze nielen odklada\u0165, ale ich aj zhodnocova\u0165,\u201c\u00a0hovor\u00ed gener\u00e1lny riadite\u013e spolo\u010dnosti FinGO.sk\u00a0Ondrej\u00a0Matvija. Pre\u010do teda Slov\u00e1ci nevedia spr\u00e1vne investova\u0165 a na ak\u00e9 chyby pri investovan\u00ed si treba […]<\/p>\n","protected":false},"author":26,"featured_media":1808,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,4],"tags":[145,144,143,146,45],"yoast_head":"\nSporenie je top predsavzatie. Kde robia Slov\u00e1ci chyby pri investovan\u00ed? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ak\u00e9 s\u00fa naj\u010dastej\u0161ie chyby pri investovan\u00ed? 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