{"id":2534,"date":"2020-08-07T15:01:53","date_gmt":"2020-08-07T13:01:53","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=2534"},"modified":"2020-08-07T15:08:32","modified_gmt":"2020-08-07T13:08:32","slug":"chcete-zacat-investovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/chcete-zacat-investovat\/","title":{"rendered":"Chcete za\u010da\u0165 investova\u0165? K\u013e\u00fa\u010dov\u00fd je cie\u013e, ten rozhoduje o v\u0161etkom"},"content":{"rendered":"

Slov\u00e1ci v investovan\u00ed st\u00e1le zaost\u00e1vaj\u00fa. K\u00fdm v z\u00e1padn\u00fdch krajin\u00e1ch rodi\u010dia hne\u010f po naroden\u00ed die\u0165a\u0165u zalo\u017eia investi\u010dn\u00fd fond, v na\u0161ej krajine v\u00e4\u010d\u0161ina nasporen\u00fdch pe\u0148az\u00ed odpo\u010d\u00edva na be\u017en\u00fdch a sporiacich \u00fa\u010dtoch v bank\u00e1ch, kde rokmi str\u00e1caj\u00fa na hodnote. Aj v\u010faka sprostredkovate\u013eom sa v\u0161ak situ\u00e1cia zlep\u0161uje a peniaze dnes m\u00f4\u017ee zhodnocova\u0165 naozaj ka\u017ed\u00fd.\u00a0<\/b><\/p>\n

Investova\u0165 sa toti\u017e d\u00e1 aj od malej sumy, hoci aj od 20 eur mesa\u010dne. Ale ako za\u010da\u0165 a kam vlastne investova\u0165? <\/span>\u201cV prvom rade \u013eudia musia vedie\u0165, \u010do chc\u00fa svojou invest\u00edciou dosiahnu\u0165. To je k\u013e\u00fa\u010dov\u00e9, zvoli\u0165 si cie\u013e,\u201d <\/span><\/i>zd\u00f4raz\u0148uje riadite\u013eka pre invest\u00edcie a zlato vo FinGO.sk Lucia Lupt\u00e1kov\u00e1<\/strong>. Pre\u010d\u00edtajte si rozhovor, v ktorom odborn\u00ed\u010dka opisuje z\u00e1klady investovania a vysvet\u013euje, pre\u010do sa aj v tejto oblasti oplat\u00ed spoji\u0165 s finan\u010dn\u00fdm sprostredkovate\u013eom<\/a>.\u00a0<\/span><\/p>\n

FinGO.sk vlani pripravilo prieskum<\/a>, v ktorom sa zistilo, \u017ee 72% klientov vyu\u017e\u00edva star\u00e9 produkty s n\u00edzkym \u00faro\u010den\u00edm ako sporiace \u00fa\u010dty, term\u00ednovan\u00e9 vklady \u010di vkladn\u00e9 kni\u017eky. Ako je mo\u017en\u00e9, \u017ee peniaze odklad\u00e1me s dobr\u00fdm \u00famyslom, vklad\u00e1me ich do banky, ale re\u00e1lne n\u00e1m to \u0161kod\u00ed?<\/b><\/span><\/h3>\n

V s\u00fa\u010dasnosti s\u00fa sporiace produkty \u0161pecifick\u00e9 t\u00fdm, \u017ee maj\u00fa naozaj n\u00edzky \u00farok, ktor\u00fd nedosahuje \u010dasto ani \u00farove\u0148 infl\u00e1cie. A z tohto d\u00f4vodu ke\u010f na nich niekto dlhodobo nech\u00e1va odlo\u017een\u00e9 peniaze, rok \u010do rok z nich infl\u00e1cia uber\u00e1 na hodnote. Preto pokia\u013e niekto nepotrebuje ma\u0165 ve\u013ea pe\u0148az\u00ed hne\u010f k dispoz\u00edci\u00ed, napr\u00edklad na rekon\u0161trukciu strechy, alebo nejak\u00fa vec, ktor\u00fa pl\u00e1nuje uskuto\u010dni\u0165 do dvoch rokov, tak v\u0161etky peniaze nad r\u00e1mec povinnej rezervy by mal vlo\u017ei\u0165 niekam, kde to m\u00e1 v\u00e4\u010d\u0161\u00ed zmysel, teda investova\u0165.\u00a0<\/span><\/p>\n

Mlad\u00ed \u013eudia, ale aj star\u0161\u00ed \u010dasto nevedia, \u010do to investovanie je, znie dos\u0165 komplikovane. Ako by ste to teda vysvetlili, \u010do je to vlastne investovanie?<\/b><\/span><\/h3>\n

Samotn\u00fd pojem investovanie m\u00f4\u017eeme ch\u00e1pa\u0165 ako proces, v ktorom na za\u010diatku vlo\u017e\u00edm svoj \u010das, \u00fasilie a peniaze, aby som v \u010dase z toho z\u00edskal viac – nazvime to odmenu alebo zisk. \u010ci sa bav\u00edme o tom, \u017ee investujeme do vzdelania alebo napr\u00edklad podniky investuj\u00fa do nov\u00fdch technol\u00f3gi\u00ed, st\u00e1le hovor\u00edme v podstate o tom istom. No a investovanie je aj finan\u010dn\u00e9. Postupne si odklad\u00e1m \u010das\u0165 svojich pe\u0148az\u00ed, aby som v bud\u00facnosti z\u00edskal viac, napr\u00edklad sa pripravil na d\u00f4chodok<\/a> alebo na pred\u010dasn\u00e9 splatenie hypot\u00e9ky a podobne.<\/span><\/p>\n

\"koronav\u00edrus<\/p>\n

Ak\u00e9 met\u00f3dy investovania existuj\u00fa?<\/b><\/span><\/h3>\n

T\u00fdch met\u00f3d je viac. Invest\u00edcie by sme mali rozdeli\u0165<\/a> na kr\u00e1tkodob\u00e9, strednodob\u00e9 a dlhodob\u00e9. To znamen\u00e1, \u017ee ke\u010f si chcem spori\u0165 na nie\u010do v priebehu 2 rokov, napr\u00edklad na rekon\u0161trukciu strechy, tak nem\u00f4\u017eem na to pou\u017ei\u0165 investi\u010dn\u00e9 sch\u00e9my, ktor\u00e9 s\u00fa ur\u010den\u00e9 na investi\u010dn\u00fd horizont 15 a viac rokov. M\u00e1me teda kr\u00e1tkodob\u00e9 ciele zhruba na 2 – 3 roky, strednodob\u00e9 okolo t\u00fdch 5 rokov a dlhodob\u00e9 na viac ako 10 rokov. Ka\u017ed\u00e1 z t\u00fdchto invest\u00edci\u00ed m\u00e1 svoje vlastn\u00e9 podmienky a nastavuj\u00fa sa tam in\u00e9 produkty, resp. investi\u010dn\u00e9 sch\u00e9my tak, aby klient v priebehu dan\u00e9ho obdobia minimalizoval stratu a maximalizoval svoj v\u00fdnos.\u00a0<\/span><\/p>\n

Pod\u013ea \u010doho sa m\u00e1m rozhodn\u00fa\u0165, do \u010doho m\u00e1m investova\u0165?<\/b><\/span><\/h3>\n

T\u00fdch parametrov je viac. Samozrejme jedn\u00fdm z najd\u00f4le\u017eitej\u0161\u00edch s\u00fa vstupn\u00e9 poplatky, aj v\u0161eobecne poplatky spojen\u00e9 s invest\u00edciou. Treba si na to d\u00e1va\u0165 pozor, hlavne pri t\u00fdch kr\u00e1tkodob\u00fdch invest\u00edci\u00e1ch sa \u010dasto st\u00e1va, \u017ee za 2 – 3 roky ani nedosiahneme tak\u00fd v\u00fdnos, ko\u013eko sme na za\u010diatku vlo\u017eili na poplatkoch. Preto ke\u010f niekto pl\u00e1nuje peniaze pou\u017ei\u0165 do 2 rokov, rad\u0161ej nech ich nech\u00e1 na sporiacom \u00fa\u010dte alebo v banke.\u00a0<\/span><\/p>\n

A ke\u010f peniaze nebudem potrebova\u0165 v takom kr\u00e1tkom \u010dase?\u00a0<\/b><\/span><\/h3>\n

Potom by som odpor\u00fa\u010dala, aby \u013eudia kontaktovali finan\u010dn\u00e9ho poradcu a stretli sa s n\u00edm. Je to preto, \u017ee oni maj\u00fa skuto\u010dne dobr\u00fd preh\u013ead o produktoch na trhu, poznaj\u00fa tak\u00e9 tie nazvime to nuansy, teda kde s\u00fa ak\u00e9 poplatky, kde nie s\u00fa, ktor\u00e9 fondy s\u00fa v\u00fdhodnej\u0161ie a podobne. Lebo nejde len o vstupn\u00e9 poplatky do investi\u010dnej spolo\u010dnosti, ale s\u00fa aj poplatky na \u00farovni ka\u017ed\u00e9ho jedn\u00e9ho fondu a ke\u010f je nejak\u00e9 portf\u00f3lio zlo\u017een\u00e9 napr\u00edklad z 15 – 20 fondov, tak tam s\u00fa zase r\u00f4zne poplatky. Do tohto lep\u0161ie vidia pr\u00e1ve finan\u010dn\u00ed sprostredkovatelia.<\/a><\/span><\/p>\n

A ke\u010f m\u00e1m strach, \u017ee svoje peniaze u\u017e nikdy neuvid\u00edm? Hroz\u00ed riziko, \u017ee vlastne investujem a ni\u010d sa mi nevr\u00e1ti?<\/b><\/span><\/h3>\n

Pri invest\u00edci\u00e1ch v\u017edy existuje podobn\u00e9 riziko, ale m\u00e1lokedy je to a\u017e tak\u00e9, \u017ee sa mi skuto\u010dne ni\u010d nevr\u00e1ti. V podstate ide o to, \u017ee \u010d\u00edm chcem viac z\u00edska\u0165, t\u00fdm mus\u00edm aj viac riskova\u0165. Je to ako v \u017eivote. Tie dlhodob\u00e9 invest\u00edcie s\u00fa charakteristick\u00e9 pr\u00e1ve t\u00fdm, \u017ee maj\u00fa vysok\u00fd v\u00fdnos, ale aj vysok\u00e9 riziko. My odpor\u00fa\u010dame klientom, aby investovali na pravidelnej b\u00e1ze, napr\u00edklad ka\u017ed\u00fd mesiac alebo ka\u017ed\u00fd kvart\u00e1l, je to na nich ako im to dovol\u00ed rozpo\u010det. Z dlhodob\u00e9ho h\u013eadiska sa toti\u017e cena, za ktor\u00fa nakupujeme podielov\u00e9 jednotky vo fonde, vypriemeruje.\u00a0<\/span><\/p>\n

\"koronav\u00edrus<\/p>\n

M\u00f4\u017ete uvies\u0165 konkr\u00e9tny pr\u00edklad?\u00a0<\/b><\/span><\/h3>\n

Ak napr\u00edklad tento mesiac investujem 100 eur, tak za to m\u00f4\u017eem k\u00fapi\u0165 20 podielov\u00fdch jednotiek vo fonde, lebo jedna m\u00e1 hodnotu 5 eur. Ale o pol roka u\u017e za t\u00fdch ist\u00fdch 100 eur m\u00f4\u017eem nak\u00fapi\u0165 a\u017e 100 podielov\u00fdch jednotiek vo fonde. A pr\u00e1ve toto sa stalo ke\u010f nastala kr\u00edza, resp. ke\u010f sa prepadli trhy<\/a> o takmer tridsa\u0165 percent. \u013dudia v podstate za t\u00fdch ist\u00fdch svojich 100 eur nak\u00fapili nieko\u013ekon\u00e1sobne viac podielov\u00fdch jednotiek a ke\u010f sa nesk\u00f4r trh pomali\u010dky spam\u00e4t\u00e1val, tak u\u017e pomali\u010dky na tom zar\u00e1baj\u00fa.\u00a0<\/span><\/p>\n

Je investovanie napr\u00edklad aj pre \u0161tudentov, resp. pre \u013eud\u00ed, ktor\u00ed si nem\u00f4\u017eu dovoli\u0165 a\u017e tak rozhadzova\u0165 peniaze?<\/b><\/span><\/h3>\n

Ur\u010dite \u00e1no. Pravideln\u00e1 invest\u00edcia m\u00f4\u017ee by\u0165 u\u017e napr\u00edklad od nejak\u00fdch 20 – 25 euro mesa\u010dne, \u010do si mysl\u00edm \u017ee v dne\u0161nej dobe pre nikoho nie je existen\u010dn\u00e1 suma. Ako som spom\u00ednala, postupom \u010dasu sa to nabal\u00ed, ekonomika st\u00e1le rastie, z dlhodob\u00e9ho h\u013eadiska trhy st\u00e1le rast\u00fa. Ka\u017ed\u00fd chce ma\u0165 nov\u00e9 auto, nov\u00e9 hodinky, nov\u00fd telef\u00f3n, tak\u017ee ekonomika sa st\u00e1le to\u010d\u00ed a pr\u00e1ve kv\u00f4li tomu rast\u00fa aj hodnoty fondov a akci\u00ed. Tak\u017ee sa nemus\u00edme ob\u00e1va\u0165, \u017ee z dlhodob\u00e9ho h\u013eadiska nie\u010do strat\u00edme, aj keby sme si sporili iba 20 eur mesa\u010dne.<\/span><\/p>\n

Slov\u00e1ci s\u00fa dos\u0165 konzervat\u00edvni. Neboja sa investova\u0165?<\/b><\/span><\/h3>\n

Posledn\u00e9 roky je to u\u017e lep\u0161ie. Aj finan\u010dn\u00ed sprostredkovatelia sa sna\u017eia zv\u00fd\u0161i\u0165 povedomie o invest\u00edci\u00e1ch, tak\u017ee je to lep\u0161ie. St\u00e1le zaost\u00e1vame vo\u010di zahrani\u010dn\u00fdm \u0161t\u00e1tom, hlavne z\u00e1padn\u00fdm \u0161t\u00e1tom ako je Nemecko, \u0160vaj\u010diarsko, Rak\u00fasko a podobne. Tam s\u00fa zvyknut\u00ed spori\u0165, resp. investova\u0165 v podstate u\u017e odkedy sa im narod\u00ed die\u0165a a zalo\u017eia mu investi\u010dn\u00fd \u00fa\u010det. Ke\u010f die\u0165a ide do \u0161koly, maj\u00fa u\u017e na to pripraven\u00e9 prostriedky. Ke\u010f po \u0161kole \u0161tartuje do \u017eivota, napr\u00edklad potrebuje peniaze na svadbu alebo na prv\u00e9 b\u00fdvanie, rodi\u010dia u\u017e maj\u00fa pripraven\u00e9 prostriedky a nesiahaj\u00fa hne\u010f po hypot\u00e9ke tak ako je to u n\u00e1s.\u00a0<\/span><\/p>\n

A ako je to u n\u00e1s, kam odkladaj\u00fa peniaze na\u0161i rodi\u010dia?<\/b><\/span><\/h3>\n

Na Slovensku je oproti zahrani\u010dn\u00fdm \u0161t\u00e1tom nieko\u013ekon\u00e1sobne viac pe\u0148az\u00ed ulo\u017een\u00fdch pr\u00e1ve v bank\u00e1ch a na sporiacich produktoch. \u010ci\u017ee je to lep\u0161ie ako to bolo v minulosti, ale st\u00e1le m\u00e1me \u010do robi\u0165 na tom, aby \u013eudia aj kv\u00f4li infl\u00e1cii zbyto\u010dne neprich\u00e1dzali o peniaze a pripravili sa napr\u00edklad aj na svoj d\u00f4chodok.\u00a0<\/span><\/p>\n

\"zlat\u00e9<\/p>\n

Ak\u00e1 je celkovo naj\u010dastej\u0161ia alebo najob\u013e\u00fabenej\u0161ia forma investovania?<\/b><\/span><\/h3>\n

\u0164a\u017eko poveda\u0165 ako je to v zahrani\u010d\u00ed, u n\u00e1s je to hlavne pravideln\u00e9 investovanie, teda \u017ee \u013eudia pravidelne na mesa\u010dnej b\u00e1ze odkladaj\u00fa \u010das\u0165 svojej v\u00fdplaty. Samozrejme s\u00fa tu aj mo\u017enosti kedy \u013eudia, nechcem to nazva\u0165 \u017ee \u0161pekuluj\u00fa, ale zauj\u00edmaj\u00fa sa o trhy, sleduj\u00fa ako to funguje a investuj\u00fa jednorazovo ve\u013ek\u00e9 \u010diastky pod\u013ea toho, ako sa vyv\u00edja trh. Ale pre be\u017en\u00fdch \u013eud\u00ed, ktor\u00ed s t\u00fdm nemaj\u00fa ve\u013ea sk\u00fasenost\u00ed a ktor\u00ed sa tomu nechc\u00fa venova\u0165 naplno 8 hod\u00edn denne, je pravideln\u00e9 investovanie asi najob\u013e\u00fabenej\u0161ie. Potom s\u00fa aj dlhopisy, ktor\u00e9 v na\u0161ej krajine nie s\u00fa a\u017e tak ob\u013e\u00faben\u00e9, ale v zahrani\u010d\u00ed to celkom fi\u010d\u00ed. U n\u00e1s s\u00fa to sk\u00f4r podnikov\u00e9 dlhopisy, resp. v s\u00fa\u010dasnosti hlavne dlhopisy realitn\u00e9ho trhu.\u00a0<\/span><\/p>\n

Spom\u00ednali ste, \u017ee treba vyu\u017ei\u0165 slu\u017eby finan\u010dn\u00e9ho poradcu. No \u010do ak sa niekto boj\u00ed, \u017ee ho poradca bu\u010f oklame, alebo \u017ee ho chce o nie\u010do ukr\u00e1ti\u0165 alebo \u017ee chce na \u0148om iba zbohatn\u00fa\u0165? Je to bezpe\u010dn\u00e9, nie je tam \u017eiadne riziko?<\/b><\/span><\/h3>\n

Je to hlavne o \u013eu\u010foch. M\u00f4\u017eete narazi\u0165 na niekoho, kto je zodpovedn\u00fd, svedomit\u00fd a m\u00f4\u017eete narazi\u0165 aj na prav\u00fd opak. St\u00e1le je to o tej d\u00f4vere. Ak niekoho pozn\u00e1m, vybavil mi hypot\u00e9ku, som s n\u00edm spokojn\u00fd, pravidelne pracuje s mojou rodinou, tak mysl\u00edm si, \u017ee nie je sa \u010doho b\u00e1\u0165. Skuto\u010dne je tam v\u00fdhoda toho, \u017ee sprostredkovatelia poznaj\u00fa tie produkty viac do h\u013abky, vedia ako funguje investovanie. Ke\u010f nastane tak\u00e1 situ\u00e1cia ako nastala po\u010das pand\u00e9mie, \u017ee sa prepadli trhy, vedia klientovi zavola\u0165 – po\u010duj, teraz zv\u00fd\u0161 mesa\u010dn\u00fd vklad na ur\u010dit\u00e9 obdobie, potom zase keby trhy vyleteli prudko hore, tak m\u00f4\u017ee poveda\u0165 – teraz zn\u00ed\u017e svoj vklad na polovicu, lebo teraz sa to a\u017e tak neoplat\u00ed a podobne.<\/span><\/p>\n

M\u00e1te na z\u00e1ver nejak\u00fd tip pre za\u010diato\u010dn\u00edkov, ktor\u00ed sa rozhodn\u00fa, \u017ee chc\u00fa investova\u0165?<\/b><\/span><\/h3>\n

V prvom rade \u013eudia musia vedie\u0165, \u010do chc\u00fa svojou invest\u00edciou dosiahnu\u0165. To je k\u013e\u00fa\u010dov\u00e9, zvoli\u0165 si cie\u013e. Ide aj o to, aby sa pri prvom zav\u00e1han\u00ed trhu nez\u013eakli a peniaze nevybrali. Pr\u00e1ve to nie je spr\u00e1vne a to nechceme. Ak si niekto povie, \u017ee si ide spori\u0165 na pred\u010dasn\u00e9 splatenie hypot\u00e9ky a je tam t\u00e1 em\u00f3cia, \u017ee ho to motivuje nie\u010do dosiahnu\u0165, tak je men\u0161ia pravdepodobnos\u0165, \u017ee t\u00fa invest\u00edciu o pol roka zru\u0161\u00ed. Tak\u017ee v\u017edy treba vedie\u0165, \u010do tou invest\u00edciou chceme dosiahnu\u0165 a vzh\u013eadom k tomu nastavi\u0165 investi\u010dn\u00fd produkt. Ke\u010f chcem do 5 rokov nov\u00e9 auto, ktor\u00e9 stoj\u00ed 25-tis\u00edc, tak si tak nastav\u00edm aj t\u00fa invest\u00edciu. Ke\u010f si chcem spori\u0165 na d\u00f4chodok v horizonte 30 rokov a viac, tak zas vzh\u013eadom k tomu nastav\u00edm ten produkt. A pr\u00e1ve v tomto vedia \u013eu\u010fom poradi\u0165 finan\u010dn\u00ed sprostredkovatelia.<\/span><\/p>\n

TIP:<\/strong><\/span> Pora\u010fte sa oh\u013eadom svojich \u00faspor\u00a0a investovania jednoducho z pohodlia svojho domova. Na\u0161i sk\u00fasen\u00ed investi\u010dn\u00ed \u0161pecialisti zo spolo\u010dnosti FinGO.sk v\u00e1m s t\u00fdm radi pom\u00f4\u017eu.\u00a0Nechajte n\u00e1m kontakt<\/b>\u00a0a my sa v\u00e1m ozveme.<\/p><\/blockquote>\n

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    <\/div>\n<\/form>\n<\/div>\n<\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Slov\u00e1ci v investovan\u00ed st\u00e1le zaost\u00e1vaj\u00fa. K\u00fdm v z\u00e1padn\u00fdch krajin\u00e1ch rodi\u010dia hne\u010f po naroden\u00ed die\u0165a\u0165u zalo\u017eia investi\u010dn\u00fd fond, v na\u0161ej krajine v\u00e4\u010d\u0161ina nasporen\u00fdch pe\u0148az\u00ed odpo\u010d\u00edva na be\u017en\u00fdch a sporiacich \u00fa\u010dtoch v bank\u00e1ch, kde rokmi str\u00e1caj\u00fa na hodnote. Aj v\u010faka sprostredkovate\u013eom sa v\u0161ak situ\u00e1cia zlep\u0161uje a peniaze dnes m\u00f4\u017ee zhodnocova\u0165 naozaj ka\u017ed\u00fd.\u00a0 Investova\u0165 sa toti\u017e d\u00e1 aj od malej sumy, hoci aj od 20 eur mesa\u010dne. Ale ako za\u010da\u0165 a kam vlastne investova\u0165? \u201cV prvom rade \u013eudia musia vedie\u0165, \u010do chc\u00fa svojou invest\u00edciou dosiahnu\u0165. To je k\u013e\u00fa\u010dov\u00e9, zvoli\u0165 si cie\u013e,\u201d zd\u00f4raz\u0148uje riadite\u013eka pre invest\u00edcie a zlato vo FinGO.sk Lucia Lupt\u00e1kov\u00e1. Pre\u010d\u00edtajte si rozhovor, v ktorom odborn\u00ed\u010dka opisuje z\u00e1klady investovania a vysvet\u013euje, pre\u010do sa aj v tejto oblasti oplat\u00ed spoji\u0165 s finan\u010dn\u00fdm sprostredkovate\u013eom.\u00a0 FinGO.sk vlani pripravilo prieskum, v ktorom sa zistilo, \u017ee 72% klientov vyu\u017e\u00edva star\u00e9 produkty s n\u00edzkym \u00faro\u010den\u00edm ako sporiace \u00fa\u010dty, term\u00ednovan\u00e9 vklady \u010di vkladn\u00e9 kni\u017eky. Ako je mo\u017en\u00e9, \u017ee peniaze odklad\u00e1me s dobr\u00fdm \u00famyslom, vklad\u00e1me ich do banky, ale re\u00e1lne n\u00e1m to \u0161kod\u00ed? V s\u00fa\u010dasnosti s\u00fa sporiace produkty \u0161pecifick\u00e9 t\u00fdm, \u017ee maj\u00fa naozaj n\u00edzky \u00farok, ktor\u00fd nedosahuje \u010dasto ani \u00farove\u0148 infl\u00e1cie. A z tohto d\u00f4vodu ke\u010f na nich niekto dlhodobo nech\u00e1va odlo\u017een\u00e9 peniaze, rok \u010do rok z nich infl\u00e1cia uber\u00e1 […]<\/p>\n","protected":false},"author":26,"featured_media":2535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6,73],"tags":[47,144,52],"yoast_head":"\nChcete za\u010da\u0165 investova\u0165? K\u013e\u00fa\u010dov\u00fd je cie\u013e, ten rozhoduje o v\u0161etkom - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Investovanie nie je stra\u0161iak, ak m\u00e1te po ruke sk\u00fasen\u00e9ho odborn\u00edka. Od akej sumy za\u010da\u0165, kam vlo\u017ei\u0165 peniaze a od \u010doho z\u00e1vis\u00ed z\u00edsk? 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