{"id":3091,"date":"2021-02-02T17:13:15","date_gmt":"2021-02-02T16:13:15","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3091"},"modified":"2024-08-05T11:38:02","modified_gmt":"2024-08-05T09:38:02","slug":"podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/","title":{"rendered":"Podielov\u00e9 fondy vs. ETF: Ak\u00fd je medzi nimi rozdiel?"},"content":{"rendered":"\n<p><strong>Investovanie do podielov\u00fdch fondov a&nbsp;do ETF m\u00e1 ve\u013ea podobn\u00fdch \u010d\u0155t, ale aj ve\u013ea odli\u0161nost\u00ed. V oboch pr\u00edpadoch ide o n\u00e1stroje, ktor\u00e9 investuj\u00fa do \u0161ir\u0161ieho portf\u00f3lia akci\u00ed, dlhopisov \u010di in\u00fdch tried akt\u00edv bez potreby kupova\u0165 ka\u017ed\u00fd titul jednotlivo. Hlavn\u00e9 rozdiely, ktor\u00e9 v\u0161ak z\u00e1sadne ovplyv\u0148uj\u00fa v\u00fd\u0161ku \u010distej nasporenej sumy, s\u00fa v&nbsp;poplatkoch a v zda\u0148ovan\u00ed t\u00fdchto invest\u00edci\u00ed.<\/strong><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>\u010co je to akt\u00edvne a pas\u00edvne investovanie<\/li>\n\n\n\n<li>Ak\u00fd je rozdiel v poplatkoch pri fondoch<\/li>\n\n\n\n<li>Porovnanie v\u00fdkonnosti fondov<\/li>\n\n\n\n<li>Do ETF m\u00f4\u017eete investova\u0165<a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\"> od 10 eur<\/a><\/li>\n<\/ul>\n\n\n\n<h2><span style=\"color: #ec8124;\"><strong>Akt\u00edvne a pas\u00edvne investovanie<\/strong><\/span><\/h2>\n\n\n\n<p>Investovanie <strong>do podielov\u00fdch fondov naz\u00fdvame akt\u00edvne investovanie.<\/strong> Pre\u010do sa naz\u00fdva akt\u00edvnym? Uvedieme si to na pr\u00edklade akciov\u00fdch fondov, u ktor\u00fdch portf\u00f3lio mana\u017e\u00e9r fondu akt\u00edvne zasahuje t\u00fdm, \u017ee vyber\u00e1 akciov\u00e9 tituly do podielov\u00e9ho fondu. V\u00fdvoj a zhodnotenie podielov\u00fdch fondov tak akt\u00edvne ovplyv\u0148uje \u013eudsk\u00fd faktor.<\/p>\n\n\n\n<p>Naopak, <a href=\"https:\/\/www.fingo.sk\/blog\/kolko-penazi-potrebujete-aby-ste-mohli-rozumne-investovat\/\">pas\u00edvne investovanie<\/a> sa naz\u00fdva pas\u00edvnym, lebo nie je z\u00e1visl\u00e9 od \u013eudsk\u00e9ho faktora. <strong>ETF fondy pas\u00edvne kop\u00edruj\u00fa v\u00fdvoj akci\u00ed <\/strong>v&nbsp;danom indexe a&nbsp;nakupuj\u00fa sa priamo na burze, preto sa naz\u00fdvaj\u00fa ETF &#8211; Exchange traded fund (fondy obchodovan\u00e9 na burze). Index je ukazovate\u013e v\u00fdkonnosti danej krajiny alebo dan\u00e9ho sektora. Medzi najzn\u00e1mej\u0161ie patr\u00ed napr\u00edklad Index S&amp;P500, ktor\u00fd sleduje 500 najv\u00e4\u010d\u0161\u00edch americk\u00fdch firiem.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Zauj\u00edmavos\u0165ou je, \u017ee aj napriek z\u00e1sahu portf\u00f3lio mana\u017e\u00e9rov do v\u00fdberu akci\u00ed, a\u017e 80 % podielov\u00fdch fondov svojou v\u00fdkonnos\u0165ou neprekon\u00e1va ETF fondy. Pre\u010do je to tak?<\/p>\n<\/blockquote>\n\n\n\n<h2><span style=\"color: #ec8124;\"><strong>Z\u00e1sadn\u00fd rozdiel v poplatkoch<\/strong><\/span><\/h2>\n\n\n\n<p>D\u00f4vodom, pre\u010do mnoho podielov\u00fdch fondov neprekon\u00e1va ETF fondy, s\u00fa pr\u00e1ve<strong>&nbsp;poplatky<\/strong>. Uk\u00e1\u017eeme si to na pr\u00edklade americk\u00fdch akciov\u00fdch fondov.<\/p>\n\n\n\n<p>Na obr\u00e1zku je v\u00fdpis z podielov\u00e9ho fondu americk\u00fdch akci\u00ed AMUNDI FUNDS US PIONEER FUND &#8211; A&nbsp;USD. Celkov\u00e9 ro\u010dn\u00e9 n\u00e1klady fondu (TER) tvoria a\u017e <strong>1,75 %.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"945\" height=\"435\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/poplatok-podielovy-fond.png\" alt=\"podielov\u00e9 fondy\" class=\"wp-image-3094\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/poplatok-podielovy-fond.png 945w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/poplatok-podielovy-fond-300x138.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/poplatok-podielovy-fond-768x354.png 768w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/><\/figure><\/div>\n\n\n<p>Pre porovnanie, pri ETF fonde IShares Core S&amp;P 500 vid\u00edme celkov\u00e9 ro\u010dn\u00e9 n\u00e1klady fondu na \u00farovni <strong>0,07 %.<\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"978\" height=\"350\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Poplatok-za-SP500.png\" alt=\"ETF fondy\" class=\"wp-image-3095\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Poplatok-za-SP500.png 978w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Poplatok-za-SP500-300x107.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Poplatok-za-SP500-768x275.png 768w\" sizes=\"(max-width: 978px) 100vw, 978px\" \/><\/figure><\/div>\n\n\n<p><span style=\"font-size: 10pt;\">Zdroj: https:\/\/www.ishares.com\/uk\/individual\/en\/products\/253743\/ishares-sp-500-b-ucits-etf-acc-fund<\/span><\/p>\n\n\n\n<p>Pre\u010do je ro\u010dn\u00fd poplatok za podielov\u00fd fond na \u00farovni 1,75 %, ke\u010f ETF m\u00e1 poplatok iba 0,07 %? <strong>Poplatok za spr\u00e1vu fondov si \u00fa\u010dtuj\u00fa portf\u00f3lio mana\u017e\u00e9ri fondov.<\/strong> Mana\u017e\u00e9r podielov\u00e9ho fondu si plat\u00ed t\u00edm analytikov, s&nbsp;ktor\u00fdmi vyber\u00e1 akcie fondu,&nbsp;na rozdiel od neho <strong>mana\u017e\u00e9r ETF fondu<\/strong> nak\u00fapi podiely pod\u013ea indexu, tak\u017ee <strong>m\u00e1 ove\u013ea ni\u017e\u0161ie n\u00e1klady.<\/strong> Kto teda je v\u00fdkonnos\u0165ou \u00faspe\u0161nej\u0161\u00ed?<\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><strong>Porovnanie v\u00fdkonnosti fondov<\/strong><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"1968\" height=\"800\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Benchmark.png\" alt=\"Benchmark\" class=\"wp-image-3092\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Benchmark.png 1968w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Benchmark-300x122.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Benchmark-768x312.png 768w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Benchmark-1024x416.png 1024w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/Benchmark-1080x439.png 1080w\" sizes=\"(max-width: 1968px) 100vw, 1968px\" \/><\/figure><\/div>\n\n\n<p><span style=\"font-size: 10pt;\">Benchmark.&nbsp;Zdroj: https:\/\/www.amundi.com\/globaldistributor\/product\/view\/LU1883872415<\/span><\/p>\n\n\n\n<p><strong>Tzv. Benchmarkom,<\/strong> teda v&nbsp;\u013eudskej re\u010di porovn\u00e1vate\u013eom pre v\u00fdkonnos\u0165 AMUNDI FUNDS US PIONEER FUND je pr\u00e1ve S&amp;P500 Index. M\u00f4\u017eeme si tak v\u0161imn\u00fa\u0165, \u017ee ETF Index S&amp;P500 m\u00e1 ove\u013ea ni\u017e\u0161\u00ed poplatok a&nbsp;z\u00e1rove\u0148 v\u00fdkonnos\u0165ou prevy\u0161uje podielov\u00fd fond. Pr\u00e1ve preto s\u00fa n\u00edzkon\u00e1kladov\u00e9 ETF v\u00fdhodnej\u0161ie.<\/p>\n\n\n\n<h3><span style=\"color: #ec8124;\"><strong>Pr\u00edklad: Predstavte si, \u017ee investujete 100 eur po\u010das 30 rokov<\/strong><\/span><\/h3>\n\n\n\n<p>Ak\u00fd vplyv maj\u00fa poplatky na va\u0161u invest\u00edciu? Predstavte si, \u017ee budete investova\u0165 <strong>100 eur po\u010das 30 rokov a r\u00e1tame so zhodnoten\u00edm na \u00farovni 8 % p.a.&nbsp;<\/strong><\/p>\n\n\n\n<ul>\n<li>od ro\u010dn\u00e9ho v\u00fdnosu odr\u00e1tame ro\u010dn\u00fd poplatok<\/li>\n\n\n\n<li>v pr\u00edpade podielov\u00e9ho fondu je to 1,75 % &#8211; \u010di\u017ee n\u00e1m ostane zhodnotenie 6,25 %<\/li>\n\n\n\n<li>v pr\u00edpade ETF odr\u00e1tame poplatok 0,07 % a ostane n\u00e1m zhodnotenie 7,93 %<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/gif_investicie.gif\" alt=\"Fingo.sk investovanie kalkula\u010dka\" class=\"wp-image-4272\"\/><\/a><\/figure>\n\n\n\n<p><strong>Pri rovnakom vklade 36 000 eur <\/strong>bude rozdiel v nasporenej sume <strong>a\u017e 42 000 eur<\/strong>. Investovan\u00edm do podielov\u00fdch fondov toti\u017e predstavuje nasporen\u00e1 suma 105 940 eur, v pr\u00edpade ETF fondov to bude a\u017e 147 900 eur.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p>Vybrali by ste si <a href=\"https:\/\/www.fingo.sk\/blog\/poradime-vam-kam-investovat-5000-eur\/\">zhodnotenie<\/a> va\u0161ej invest\u00edcie na \u00farovni 6,25 % alebo 7,93 %?<\/p>\n<\/blockquote>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"926\" height=\"348\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/kalkula\u0301cia-SPvs.Am_-1.png\" alt=\"\" class=\"wp-image-3103\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/kalkula\u0301cia-SPvs.Am_-1.png 926w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/kalkula\u0301cia-SPvs.Am_-1-300x113.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/02\/kalkula\u0301cia-SPvs.Am_-1-768x289.png 768w\" sizes=\"(max-width: 926px) 100vw, 926px\" \/><\/figure><\/div>\n\n\n<p><span style=\"font-size: 10pt;\">Zdroj: https:\/\/ekonomika.sme.sk\/kalkulacky\/sporenie<\/span><\/p>\n\n\n\n<h2><span style=\"color: #ec8124;\"><strong>Zda\u0148ovanie fondov<\/strong><\/span><\/h2>\n\n\n\n<p>ETF fondy s\u00fa z poh\u013eadu zdanenia v\u00fdrazne zv\u00fdhodnen\u00e9, ke\u010f\u017ee na rozdiel od podielov\u00fdch fondov s\u00fa<strong>\u00a0osloboden\u00e9 od zdanenia. <\/strong>ETF sa toti\u017e ber\u00fa ako verejne obchodovate\u013en\u00e9 cenn\u00e9 papiere (podobne ako akcie) a ak dodr\u017e\u00edte podmienku ich dr\u017eania po dobu <strong>viac ako 1 rok<\/strong>, je t\u00e1to invest\u00edcia osloboden\u00e1 od zdanenia.<\/p>\n\n\n\n<h2><b style=\"color: #ec8124; font-size: revert;\">Do ETF m\u00f4\u017eete investova\u0165 od 10 eur mesa\u010dne<\/b><\/h2>\n\n\n\n<p>\u010c\u00edsla hovoria sam\u00e9 za seba. Pr\u00e1ve preto <strong>na\u0161i klienti investuj\u00fa do <a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\">ETF fondov<\/a><\/strong>.<\/p>\n\n\n\n<p>Investova\u0165 do ETF fondov m\u00f4\u017eete <strong>u\u017e od 10 eur mesa\u010dne<\/strong>. Nespoliehajme sa len na \u0161t\u00e1t, \u017ee sa o&nbsp;n\u00e1s postar\u00e1, ale budujeme si vlastn\u00fdmi invest\u00edciami lep\u0161iu a&nbsp;d\u00f4stojnej\u0161iu bud\u00facnos\u0165.<\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak chcete efekt\u00edvne investova\u0165 aj vy, zavolajte n\u00e1m do FinGO.sk na <a href=\"tel:0800601060\"><span style=\"color: #ec8124;\">0800 60 10 60<\/span><\/a>, alebo n\u00e1m <span style=\"color: #ec8124;\">zanechajte va\u0161e kontaktn\u00e9 \u00fadaje<\/span> a my sa v\u00e1m ozveme.<\/span><\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_investment\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=investment\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Investovanie do podielov\u00fdch fondov a&nbsp;do ETF m\u00e1 ve\u013ea podobn\u00fdch \u010d\u0155t, ale aj ve\u013ea odli\u0161nost\u00ed. V oboch pr\u00edpadoch ide o n\u00e1stroje, ktor\u00e9 investuj\u00fa do \u0161ir\u0161ieho portf\u00f3lia akci\u00ed, dlhopisov \u010di in\u00fdch tried akt\u00edv bez potreby kupova\u0165 ka\u017ed\u00fd titul jednotlivo. Hlavn\u00e9 rozdiely, ktor\u00e9 v\u0161ak z\u00e1sadne ovplyv\u0148uj\u00fa v\u00fd\u0161ku \u010distej nasporenej sumy, s\u00fa v&nbsp;poplatkoch a v zda\u0148ovan\u00ed t\u00fdchto invest\u00edci\u00ed. V \u010dl\u00e1nku sa do\u010d\u00edtate:&nbsp; Akt\u00edvne a pas\u00edvne investovanie Investovanie do podielov\u00fdch fondov naz\u00fdvame akt\u00edvne investovanie. Pre\u010do sa naz\u00fdva akt\u00edvnym? Uvedieme si to na pr\u00edklade akciov\u00fdch fondov, u ktor\u00fdch portf\u00f3lio mana\u017e\u00e9r fondu akt\u00edvne zasahuje t\u00fdm, \u017ee vyber\u00e1 akciov\u00e9 tituly do podielov\u00e9ho fondu. V\u00fdvoj a zhodnotenie podielov\u00fdch fondov tak akt\u00edvne ovplyv\u0148uje \u013eudsk\u00fd faktor. Naopak, pas\u00edvne investovanie sa naz\u00fdva pas\u00edvnym, lebo nie je z\u00e1visl\u00e9 od \u013eudsk\u00e9ho faktora. ETF fondy pas\u00edvne kop\u00edruj\u00fa v\u00fdvoj akci\u00ed v&nbsp;danom indexe a&nbsp;nakupuj\u00fa sa priamo na burze, preto sa naz\u00fdvaj\u00fa ETF &#8211; Exchange traded fund (fondy obchodovan\u00e9 na burze). Index je ukazovate\u013e v\u00fdkonnosti danej krajiny alebo dan\u00e9ho sektora. Medzi najzn\u00e1mej\u0161ie patr\u00ed napr\u00edklad Index S&amp;P500, ktor\u00fd sleduje 500 najv\u00e4\u010d\u0161\u00edch americk\u00fdch firiem. Zauj\u00edmavos\u0165ou je, \u017ee aj napriek z\u00e1sahu portf\u00f3lio mana\u017e\u00e9rov do v\u00fdberu akci\u00ed, a\u017e 80 % podielov\u00fdch fondov svojou v\u00fdkonnos\u0165ou neprekon\u00e1va ETF fondy. Pre\u010do je to tak? Z\u00e1sadn\u00fd rozdiel v poplatkoch D\u00f4vodom, pre\u010do mnoho podielov\u00fdch fondov neprekon\u00e1va ETF [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":3112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[145,47,196,143,45],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Podielov\u00e9 fondy vs. ETF: Ak\u00fd je medzi nimi rozdiel? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Investovanie do podielov\u00fdch fondov a\u00a0do ETF m\u00e1 ve\u013ea podobn\u00fdch \u010d\u0155t, ale aj ve\u013ea odli\u0161nost\u00ed. 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