{"id":3648,"date":"2021-06-23T07:14:49","date_gmt":"2021-06-23T05:14:49","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3648"},"modified":"2021-11-09T15:51:30","modified_gmt":"2021-11-09T14:51:30","slug":"pravidelne-investovanie-ako-a-kam-investovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/","title":{"rendered":"Pravideln\u00e9 investovanie &#8211; ako a kam investova\u0165"},"content":{"rendered":"<p><strong>Vedeli ste, \u017ee ak m\u00e1te ulo\u017een\u00e9 peniaze na be\u017enom \u00fa\u010dte, str\u00e1cate ro\u010dne desiatky a\u017e stovky eur? Pri takmer nulovom \u00faro\u010den\u00ed je v s\u00fa\u010dasnosti nev\u00fdhodn\u00e9 nech\u00e1va\u0165 v\u00e4\u010d\u0161\u00ed obnos pe\u0148az\u00ed len tak le\u017ea\u0165 na \u00fa\u010dte.<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">In\u00fdmi slovami, va\u0161e peniaze na be\u017enom \u00fa\u010dte str\u00e1caj\u00fa hodnotu. Ak peniaze nepracuj\u00fa, tak sa znehodnocuj\u00fa a na konci d\u0148a bud\u00fa ma\u0165 men\u0161iu hodnotu ako mali na za\u010diatku. Preto je vhodn\u00e9 vybra\u0165 si na finan\u010dnom trhu produkty, ktor\u00e9 aspo\u0148 ochr\u00e1nia <strong>\u00faspory pred infl\u00e1ciou<\/strong> a v lep\u0161om pr\u00edpade ich aj zhodnotia. Neinvestova\u0165 pri takmer nulovej infl\u00e1cii znamen\u00e1, \u017ee okr\u00e1date sami seba. Na trhu je mnoho mo\u017enost\u00ed, ako v\u00fdhodne <strong><a href=\"https:\/\/www.fingo.sk\/investovanie\">zhodnoti\u0165 svoje peniaze<\/a>.\u00a0<\/strong><\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>TIP<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">:<\/span> <span style=\"color: #000000;\">Hne\u010f v \u00favode je v\u0161ak d\u00f4le\u017eit\u00e9 si ur\u010di\u0165, na \u010do konkr\u00e9tne chceme investovan\u00e9 <strong>peniaze pou\u017ei\u0165<\/strong>. Od toho sa odv\u00edja aj investi\u010dn\u00e1 strat\u00e9gia.\u00a0<\/span><\/span><\/p>\n<h3><span style=\"color: #ec8124;\">Na trhu s\u00fa vo v\u0161eobecnosti tri kateg\u00f3rie investorov<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Konzervat\u00edvny investor<\/strong> uprednost\u0148uje bezpe\u010dnos\u0165 invest\u00edci\u00ed pred v\u00fdnosom. Investuj\u00fa sk\u00f4r do konzervat\u00edvnych fondov, resp. in\u00fdch bankov\u00fdch produktov. T\u00edto \u013eudia si zria\u010fuj\u00fa term\u00ednovan\u00e9 vklady alebo sporenia k \u00fa\u010dtom, kde s\u00fa ich prostriedky chr\u00e1nen\u00e9 Fondom na ochranu vkladov.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Druh\u00fdm typom je <strong>vyv\u00e1\u017een\u00fd investor<\/strong>, ktor\u00fd je ochotn\u00fd podst\u00fapi\u0165 mal\u00e9 riziko, aby z\u00edskal vy\u0161\u0161\u00ed v\u00fdnos. Investuj\u00fa v\u00e4\u010d\u0161iu \u010das\u0165 pe\u0148az\u00ed do konzervat\u00edvnych fondov, resp. h\u013eadaj\u00fa mo\u017enosti pre kombinovan\u00e9 investovanie. \u010cas\u0165 pe\u0148az\u00ed vlo\u017eia napr\u00edklad na term\u00ednovan\u00fd vklad a \u010das\u0165 pe\u0148az\u00ed do fondov.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Dynamick\u00fd investor<\/strong> je ochotn\u00fd zn\u00e1\u0161a\u0165 ve\u013ek\u00fa mieru rizika, to znamen\u00e1, \u017ee je ochotn\u00fd riskantnej\u0161ie investova\u0165, aby z\u00edskal \u010do najvy\u0161\u0161\u00ed v\u00fdnos. T\u00edto \u013eudia naj\u010dastej\u0161ie investuj\u00fa do zmie\u0161an\u00fdch, alebo akciov\u00fdch fondov. Pri vyv\u00e1\u017eenom a dynamickom investorovi hovor\u00edme aj o investovan\u00ed do umenia a podobne.\u00a0<\/span><\/li>\n<\/ul>\n<blockquote><p>V ktorom type investora ste sa na\u0161li?<\/p><\/blockquote>\n<p><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" class=\"aligncenter wp-image-4272 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2021\/10\/gif_investicie.gif\" alt=\"Fingo.sk investovanie kalkula\u010dka\" width=\"1350\" height=\"905\" \/><\/a><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Pre\u010do sa rozhodujeme investova\u0165?<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Medzi najhlavnej\u0161ie d\u00f4vody, pre\u010do sa rozhodujeme investova\u0165, je najm\u00e4 <strong>pokrytie ne\u010dakan\u00fdch v\u00fddavkov<\/strong> v bud\u00facnosti. Rovnako tak Slov\u00e1ci v\u010faka invest\u00edci\u00e1m rie\u0161ia men\u0161ie \u010di v\u00e4\u010d\u0161ie rekon\u0161trukcie domu \u010di bytu, na prilep\u0161enie si do bud\u00facnosti k penzii mysl\u00ed nie\u010do vy\u0161e polovica Slov\u00e1kov.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nesta\u010d\u00ed sa hne\u010f vrhn\u00fa\u0165 do investovania. Predt\u00fdm, ako sprav\u00edme tak\u00fdto krok, mus\u00edme myslie\u0165 na viacero \u201edom\u00e1cich \u00faloh\u201c. <\/span><span style=\"font-weight: 400;\">V prvom rade by sme mali <strong>optimalizova\u0165 svoje dlhy<\/strong>. Teda splati\u0165 v\u0161etky spotrebn\u00e9 dlhy, resp. dlhy na kreditk\u00e1ch a prekry\u0165 ich hypot\u00e9kou, ak chceme, resp. b\u00fdvame vo vlastnom.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">D\u00f4le\u017eit\u00e9 je ma\u0165 vytvoren\u00fd aj tzv. rezervn\u00fd fond. <\/span><span style=\"font-weight: 400;\">Pr\u00edjem predstavuje prirodzen\u00fd v\u00fdchodiskov\u00fd bod pre pl\u00e1novanie invest\u00edci\u00ed, preto\u017ee nem\u00f4\u017eete investova\u0165 to, \u010do nem\u00e1te. <\/span><span style=\"font-weight: 400;\">Predt\u00fdm, ako za\u010dnete investova\u0165, by ste mali ma\u0165 aj <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/ako-si-vytvorit-financnu-rezervu\/\"><span style=\"font-weight: 400;\">finan\u010dn\u00fa rezervu<\/span><\/a><span style=\"font-weight: 400;\"> vo v\u00fd\u0161ke minim\u00e1lne 6-tich mesa\u010dn\u00fdch v\u00fddavkov, ide\u00e1lna suma je 6 a\u017e 12 mesa\u010dn\u00fdch v\u00fddavkov.\u00a0<\/span><\/p>\n<p><span style=\"color: #ec8124;\"><b>Pr\u00edklad<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">:<\/span> <span style=\"color: #000000;\">Ak s\u00fa mesa\u010dn\u00e9 v\u00fddavky dom\u00e1cnosti 1 000 eur, v\u00fd\u0161ka finan\u010dnej rezervy by mala by\u0165 minim\u00e1lne 6-tis\u00edc eur. Po\u010das \u0161tandardn\u00e9ho obdobia je d\u00f4le\u017eit\u00e9 <strong>pravidelne odklada\u0165 peniaze<\/strong> a sna\u017ei\u0165 sa naspori\u0165 odpor\u00fa\u010dan\u00fa sumu v horizonte maxim\u00e1lne 5-tich rokov. Ak je napr\u00edklad potrebn\u00e9 zv\u00fd\u0161i\u0165 rezervu o 3-tis\u00edc eur, malo by sa odklada\u0165 minim\u00e1lne <strong>50 eur mesa\u010dne.<\/strong><\/span><\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Najviac si sporia mlad\u00ed<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Vedeli ste, \u017ee Slov\u00e1ci maj\u00fa<strong> na sporiacich \u00fa\u010dtoch<\/strong> zhruba 2 000 eur? Mesa\u010dne dok\u00e1\u017eeme da\u0165 bokom pribli\u017ene 190 eur. Najviac sporia \u013eudia vo veku 18 a\u017e 35 rokov, a to v priemere 235 eur mesa\u010dne. Naj\u010dastej\u0161ie si odkladaj\u00fa peniaze kv\u00f4li finan\u010dnej rezerve, ktor\u00fa m\u00f4\u017eu pou\u017ei\u0165 v pr\u00edpade spom\u00ednan\u00fdch neo\u010dak\u00e1van\u00fdch v\u00fddavkov, na men\u0161ie \u010di v\u00e4\u010d\u0161ie rekon\u0161trukcie domu \u010di bytu a n\u00e1kupy, mlad\u00ed na b\u00fdvanie. Na \u0161etrenie si do bud\u00facnosti ako <strong>prilep\u0161enie k penzii<\/strong> mysl\u00ed nie\u010do vy\u0161e polovica Slov\u00e1kov.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mnoho Slov\u00e1kov nie je ochotn\u00fdch podstupova\u0165 riziko, preto\u017ee sa ob\u00e1vaj\u00fa straty pe\u0148az\u00ed. <strong>Konzervat\u00edvnos\u0165 v investovan\u00ed<\/strong> vypl\u00fdva najm\u00e4 u mlad\u00fdch \u013eud\u00ed z toho, \u017ee maj\u00fa vysok\u00e9 n\u00e1klady pri zakladan\u00ed si rodiny. Mnoh\u00ed takisto uv\u00e1dzaj\u00fa, \u017ee auto \u010di kr\u00fa\u017eky det\u00ed im ukrajuj\u00fa zna\u010dn\u00fa \u010das\u0165 z ich mesa\u010dn\u00fdch rozpo\u010dtov, preto nie s\u00fa schopn\u00ed e\u0161te \u010fal\u0161ie peniaze <strong>odklada\u0165 a investova\u0165<\/strong>. Av\u0161ak d\u00e1 sa investova\u0165 aj od 20 eur mesa\u010dne, tak\u017ee tento argument odpad\u00e1va.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Na \u010do treba myslie\u0165 predt\u00fdm, ako za\u010dnete s investovan\u00edm<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\"><strong>Optimalizujte<\/strong> va\u0161e dlhy<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Vytvorte si<\/strong> rezervn\u00fd fond na pokrytie neo\u010dak\u00e1van\u00fdch finan\u010dn\u00fdch v\u00fddavkov<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Definujte si<\/strong> ciele v investovan\u00ed (dlhodob\u00e1 finan\u010dn\u00e1 rezerva, alternat\u00edvny pr\u00edjem)<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Napl\u00e1nujte s<\/strong>i investi\u010dn\u00fd horizont<\/span><\/li>\n<li><span style=\"font-weight: 400;\"><strong>Pripravte sa<\/strong>, v z\u00e1vislosti od typu invest\u00edcie, na volatilitu (zmeny) na finan\u010dn\u00fdch trhoch<\/span><\/li>\n<\/ol>\n<h2><span style=\"color: #ec8124;\"><b>Ak\u00fd je rozdiel medzi pravideln\u00fdm a jednorazov\u00fdm investovan\u00edm?<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Na trhu existuje<\/span><a href=\"https:\/\/www.fingo.sk\/blog\/dve-tretiny-slovakov-by-chceli-investovat-viete-co-robit-aby-vase-peniaze-zarabali\/\"><span style=\"font-weight: 400;\"> viacero investi\u010dn\u00fdch mo\u017enost\u00ed<\/span><\/a><span style=\"font-weight: 400;\">, do ktor\u00fdch dok\u00e1\u017eete investova\u0165 jednorazovo. Ide napr\u00edklad o <strong>podielov\u00e9 fondy alebo dlhopisy<\/strong>, av\u0161ak vy\u0161\u0161ie zhodnotenie sa sp\u00e1ja s postupnou, teda pravidelnou invest\u00edciou. Tu zara\u010fujeme napr\u00edklad akcie, ktor\u00e9 vyslovene nie je vhodn\u00e9 kupova\u0165 jednorazovo, ale investova\u0165 do nich pravidelne. Na rozdiel od jednorazovej invest\u00edcie, kde \u010dak\u00e1te len na rast alebo p\u00e1dy, pri pravidelnom investovan\u00ed <strong>nakupujete priebe\u017ene<\/strong>, a tak dok\u00e1\u017eete napr\u00edklad zarobi\u0165 aj v pr\u00edpade, \u017ee poklesnut\u00fd fond za\u010d\u00edna st\u00fapa\u0165 do p\u00f4vodn\u00fdch \u010d\u00edsel. Pri jednorazovej invest\u00edcii by ste v\u0161ak v\u017edy \u010dakali len na vyrovnanie straty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Investi\u010dn\u00fd horizont spolu s vn\u00edman\u00edm rizika rozhoduj\u00facim sp\u00f4sobom ur\u010duj\u00fa, ako maj\u00fa by\u0165 <strong>pe\u0148a\u017en\u00e9 prostriedky<\/strong> investovan\u00e9. Pri rozhodovan\u00ed o invest\u00edcii je potrebn\u00e9 tie\u017e zv\u00e1\u017ei\u0165 v\u00fdnosnos\u0165 invest\u00edcie, riziko a volatilitu, likviditu a \u010dasov\u00fa n\u00e1ro\u010dnos\u0165 na spr\u00e1vu. D\u00f4le\u017eit\u00e1 je diverzifik\u00e1cia, teda aby mal investor vo svojom portf\u00f3liu \u0161irok\u00fa \u0161k\u00e1lu invest\u00edci\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>Pr\u00edklad:<\/strong> <\/span><span style=\"color: #000000;\">Ak m\u00e1me napr\u00edklad <strong>investi\u010dn\u00fa \u010diastku<\/strong> 2 000 eur, ktor\u00e9 m\u00e1me v pl\u00e1ne investova\u0165 jednorazovo, tak je mo\u017enos\u0165 ich smerova\u0165 do podielov\u00fdch fondov, dlhopisov alebo zvoli\u0165 kombinovan\u00e9 rie\u0161enie. To je napr\u00edklad term\u00ednovan\u00fd vklad, ktor\u00fd predstavuje \u010das\u0165 invest\u00edcie <strong>s ni\u017e\u0161ou mierou rizika<\/strong> a tvor\u00ed napr\u00edklad 70 % produktu a podielov\u00e9 fondy ako rizikovej\u0161ia \u010das\u0165 invest\u00edcie tvoria 30 % produktu.<\/span><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Jednorazov\u00e1 invest\u00edcia si v\u0161ak vy\u017eaduje spr\u00e1vne na\u010dasovanie, \u010do je pre be\u017en\u00e9ho investora bez sk\u00fasenost\u00ed\u00a0 zna\u010dn\u00fd probl\u00e9m. Z\u00e1rove\u0148 je \u010dastokr\u00e1t aj nedostupn\u00e1, nako\u013eko potrebuje vy\u0161\u0161\u00ed <strong>po\u010diato\u010dn\u00fd kapit\u00e1l<\/strong>. Na druhej strane, pravideln\u00e1 invest\u00edcia nerie\u0161i spr\u00e1vne na\u010dasovanie a neza\u0165a\u017euje rodinn\u00fd rozpo\u010det, nako\u013eko <strong>investujete pravidelne<\/strong> a po men\u0161\u00edch sum\u00e1ch.<\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Kam sa oplat\u00ed investova\u0165 pravidelne<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Medzi aktu\u00e1lne <strong>najpopul\u00e1rnej\u0161ie mo\u017enosti<\/strong> pravideln\u00e9ho investovania sa zara\u010fuj\u00fa ETF fondy. Ich hlavnou v\u00fdhodou s\u00fa najm\u00e4 n\u00edzke n\u00e1klady. Ide o pas\u00edvne riaden\u00fd fond, tie najlacnej\u0161ie ETF fondy \u00fa\u010dtuj\u00fa poplatok za spr\u00e1vu a <strong>riadenie majetku do 0,1 % ro\u010dne<\/strong>. Nako\u013eko investujete do ko\u0161a jednotliv\u00fdch akt\u00edv, z\u00edskate okam\u017eit\u00fa diverzifik\u00e1ciu portf\u00f3lia. In\u00fdmi slovami, postupujete ni\u017e\u0161ie riziko. Ako bonus, nem\u00e1te pri nich vstupn\u00e9 ani v\u00fdstupn\u00e9 poplatky.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\"><strong>TIP:<\/strong><\/span> <span style=\"color: #000000;\">Pravidelne v\u0161ak m\u00f4\u017eete investova\u0165 <strong>napr\u00edklad aj do zlata<\/strong>. Pre\u010do a pre koho to m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9, si m\u00f4\u017eete pre\u010d\u00edta\u0165 aj <a style=\"color: #000000;\" href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\">na na\u0161om blogu.\u00a0<\/a><\/span><\/span><\/p>\n<h2><span style=\"color: #ec8124;\"><b>Ako za\u010da\u0165 s pravideln\u00fdm investovan\u00edm<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Investovanie do ETF si mo\u017eno zriadi\u0165 jednoducho<strong> z pohodlia domova<\/strong> online. Ak by ste napr\u00edklad investovali do ETF fondov 20 eur pravidelne ka\u017ed\u00fd mesiac, za 10 rokov by ste mali 2 400 eur, ale v\u010faka v\u00fdnosu by ste si mohli vybra\u0165 a\u017e 3 260 eur. V\u010faka <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/\"><span style=\"font-weight: 400;\">investovaniu do ETF<\/span><\/a><span style=\"font-weight: 400;\"> sa tak <strong>d\u00e1 zarobi\u0165 860 eur<\/strong> pri \u0161es\u0165percentnom ro\u010dnom zhodnoten\u00ed, pri\u010dom v\u00fdnos m\u00f4\u017ee by\u0165 aj ove\u013ea vy\u0161\u0161\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak ste ale <strong>pri nakladan\u00ed s peniazmi<\/strong> konzervat\u00edvni a potrebujete ich ma\u0165 kedyko\u013evek k dispoz\u00edcii, po po\u017eiadan\u00ed trv\u00e1 v\u00fdber pribli\u017ene 2 dni, k\u00fdm sa v\u00e1m prip\u00ed\u0161u na \u00fa\u010det. <strong>Ak sa boj\u00edte str\u00e1t<\/strong>, a preto sa ob\u00e1vate pusti\u0165 do investovania, pr\u00e1ve ETF fondy s\u00fa tou spr\u00e1vnou vo\u013ebou, nako\u013eko ich mo\u017eno ozna\u010di\u0165 za jedny z najbezpe\u010dnej\u0161\u00edch cenn\u00fdch papierov.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S investovan\u00edm v\u00e1m dok\u00e1\u017ee pom\u00f4c\u0165 <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/preco-mat-financneho-sprostredkovatela\/\"><span style=\"font-weight: 400;\">sk\u00fasen\u00fd finan\u010dn\u00fd sprostredkovate\u013e<\/span><\/a><span style=\"font-weight: 400;\">. Rozdiel medzi n\u00edm a napr\u00edklad samotnou bankou je, \u017ee finan\u010dn\u00e9 in\u0161tit\u00facie prioritne <strong>propaguj\u00fa svoje produkty<\/strong>, \u010do nie je \u010dastokr\u00e1t dostato\u010dne v\u00fdkonn\u00e9, da\u0148ovo aj poplatkami najv\u00fdhodnej\u0161ie, a z\u00e1rove\u0148 maj\u00fa obmedzen\u00e9 portf\u00f3lio mo\u017enost\u00ed. Znamen\u00e1 to, \u017ee dan\u00e9 investi\u010dn\u00e9 rie\u0161enia nemusia by\u0165 vhodn\u00e9 pre ka\u017ed\u00e9ho. <\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">Finan\u010dn\u00fd sprostredkovate\u013e vie vybra\u0165 tie najvhodnej\u0161ie produkty \u0161it\u00e9 na ka\u017ed\u00e9ho klienta. Tie\u017e dok\u00e1\u017ee prinies\u0165 lep\u0161ie a efekt\u00edvnej\u0161ie rie\u0161enia, pr\u00edpadne klienta usmerni\u0165 a nasmerova\u0165, \u010do by mal robi\u0165 a \u010doho sa vyvarova\u0165.<\/span><\/p><\/blockquote>\n<h3><span style=\"color: #ec8124;\"><b>Ak\u00e9 v\u00fdhody m\u00e1me z pravideln\u00e9ho investovania?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Nespochybnite\u013enou v\u00fdhodou pravideln\u00e9ho sporenia je, \u017ee sa nemus\u00edte tr\u00e1pi\u0165 v\u00fdvojom na finan\u010dn\u00fdch trhoch, ktor\u00fd bol napr\u00edklad v posledn\u00fdch rokoch ozaj turbulentn\u00fd. Podstatou je, \u017ee rozklad\u00e1te svoje n\u00e1kupy v \u010dase \u2013 \u010d\u00edm objekt\u00edvne prispievate <strong>k zn\u00ed\u017eeniu rizika<\/strong> nevhodn\u00e9ho na\u010dasovania vstupu na trh. Z \u010dasu na \u010das sa na akciov\u00fdch trhoch mus\u00ed objavi\u0165 obdobie volatility (zmien), kedy investori <strong>nerv\u00f3zne reaguj\u00fa<\/strong> na zmeny ekonomick\u00e9ho, politick\u00e9ho a korpor\u00e1tneho prostredia. Pri dlhodobom investi\u010dnom horizonte to nemus\u00edte rie\u0161i\u0165.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Strat\u00e9gia <strong>pravideln\u00e9ho investovania<\/strong> je zn\u00e1ma aj ako priemerovanie n\u00e1kladov (cost averaging). S\u00edce nepon\u00faka zisk ani ochranu proti poklesu trhu, ale pom\u00e1ha investorom vyhn\u00fa\u0165 sa investovaniu v jeden konkr\u00e9tny okamih, \u010d\u00edm zni\u017euje priemern\u00e9 n\u00e1klady na n\u00e1kupy. Aj ke\u010f sa pravideln\u00e9 sporenie po\u010das prepadov trhov m\u00f4\u017ee zda\u0165 investorom, ktor\u00ed sa sna\u017eia <strong>obmedzi\u0165 straty<\/strong>, nerozumn\u00e9, pr\u00e1ve v tomto \u010dase je mo\u017en\u00e9 urobi\u0165 tie najlep\u0161ie invest\u00edcie, preto\u017ee ceny akt\u00edv s\u00fa ni\u017e\u0161ie a nesk\u00f4r bud\u00fa \u0165a\u017ei\u0165 z ak\u00e9hoko\u013evek zotavenia trhu.<\/span><\/p>\n<p>Zavolajte n\u00e1m na<span style=\"color: #ec8124;\">\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a><\/span>\u00a0alebo n\u00e1m nap\u00ed\u0161te na<span style=\"color: #ec8124;\">\u00a0kontakt@fingo.sk<\/span>\u00a0a na\u0161e call centrum v\u00e1s spoj\u00ed so sk\u00fasen\u00fdm investi\u010dn\u00fdm odborn\u00edkom z FinGO.sk vo va\u0161om okol\u00ed.<\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2236-o1\" lang=\"sk-SK\" dir=\"ltr\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/3648#wpcf7-f2236-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"2236\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"5.7.7\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"sk_SK\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2236-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/div>\n<p><label> V\u00e1\u0161 email (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-email wpcf7-validates-as-required wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> V\u00e1\u0161 telef\u00f3n (povinn\u00e9)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-7\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-text wpcf7-tel wpcf7-validates-as-required wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"+421 9xx xxx xxx\" value=\"\" type=\"tel\" name=\"tel-7\" \/><\/span> <\/label>\n<\/p>\n<p><input class=\"wpcf7-form-control has-spinner wpcf7-submit orange\" type=\"submit\" value=\"Odosla\u0165\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Vedeli ste, \u017ee ak m\u00e1te ulo\u017een\u00e9 peniaze na be\u017enom \u00fa\u010dte, str\u00e1cate ro\u010dne desiatky a\u017e stovky eur? Pri takmer nulovom \u00faro\u010den\u00ed je v s\u00fa\u010dasnosti nev\u00fdhodn\u00e9 nech\u00e1va\u0165 v\u00e4\u010d\u0161\u00ed obnos pe\u0148az\u00ed len tak le\u017ea\u0165 na \u00fa\u010dte. In\u00fdmi slovami, va\u0161e peniaze na be\u017enom \u00fa\u010dte str\u00e1caj\u00fa hodnotu. Ak peniaze nepracuj\u00fa, tak sa znehodnocuj\u00fa a na konci d\u0148a bud\u00fa ma\u0165 men\u0161iu hodnotu ako mali na za\u010diatku. Preto je vhodn\u00e9 vybra\u0165 si na finan\u010dnom trhu produkty, ktor\u00e9 aspo\u0148 ochr\u00e1nia \u00faspory pred infl\u00e1ciou a v lep\u0161om pr\u00edpade ich aj zhodnotia. Neinvestova\u0165 pri takmer nulovej infl\u00e1cii znamen\u00e1, \u017ee okr\u00e1date sami seba. Na trhu je mnoho mo\u017enost\u00ed, ako v\u00fdhodne zhodnoti\u0165 svoje peniaze.\u00a0 TIP: Hne\u010f v \u00favode je v\u0161ak d\u00f4le\u017eit\u00e9 si ur\u010di\u0165, na \u010do konkr\u00e9tne chceme investovan\u00e9 peniaze pou\u017ei\u0165. Od toho sa odv\u00edja aj investi\u010dn\u00e1 strat\u00e9gia.\u00a0 Na trhu s\u00fa vo v\u0161eobecnosti tri kateg\u00f3rie investorov Konzervat\u00edvny investor uprednost\u0148uje bezpe\u010dnos\u0165 invest\u00edci\u00ed pred v\u00fdnosom. Investuj\u00fa sk\u00f4r do konzervat\u00edvnych fondov, resp. in\u00fdch bankov\u00fdch produktov. T\u00edto \u013eudia si zria\u010fuj\u00fa term\u00ednovan\u00e9 vklady alebo sporenia k \u00fa\u010dtom, kde s\u00fa ich prostriedky chr\u00e1nen\u00e9 Fondom na ochranu vkladov.\u00a0 Druh\u00fdm typom je vyv\u00e1\u017een\u00fd investor, ktor\u00fd je ochotn\u00fd podst\u00fapi\u0165 mal\u00e9 riziko, aby z\u00edskal vy\u0161\u0161\u00ed v\u00fdnos. Investuj\u00fa v\u00e4\u010d\u0161iu \u010das\u0165 pe\u0148az\u00ed do konzervat\u00edvnych fondov, resp. h\u013eadaj\u00fa mo\u017enosti pre kombinovan\u00e9 investovanie. \u010cas\u0165 pe\u0148az\u00ed vlo\u017eia napr\u00edklad [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":3660,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6,73],"tags":[47,48,51,52,211],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pravideln\u00e9 investovanie - ako a kam investova\u0165 - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Ak m\u00e1te ulo\u017een\u00e9 peniaze na be\u017enom \u00fa\u010dte, str\u00e1cate ro\u010dne desiatky a\u017e stovky eur. 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