{"id":3979,"date":"2021-09-21T16:18:19","date_gmt":"2021-09-21T14:18:19","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=3979"},"modified":"2021-11-09T15:47:07","modified_gmt":"2021-11-09T14:47:07","slug":"6-sposobov-ako-porazit-inflaciu-a-zaroven-bezpecne-investovat","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/6-sposobov-ako-porazit-inflaciu-a-zaroven-bezpecne-investovat\/","title":{"rendered":"6 sp\u00f4sobov, ako porazi\u0165 infl\u00e1ciu a z\u00e1rove\u0148 bezpe\u010dne investova\u0165"},"content":{"rendered":"\n

Slov\u00e1ci aktu\u00e1lne dr\u017eia na be\u017en\u00fdch \u00fa\u010dtoch 45 mili\u00e1rd eur. Av\u0161ak probl\u00e9m je, \u017ee tieto, \u010di\u017ee aj va\u0161e peniaze ktor\u00e9 m\u00e1te v banke, str\u00e1caj\u00fa na hodnote v d\u00f4sledku infl\u00e1cie. \u010co to vlastne znamen\u00e1 a ako peniaze vhodne investova\u0165<\/a>, aby aj zar\u00e1bali a pritom boli v bezpe\u010d\u00ed?<\/strong><\/p>\n

\u010co je to infl\u00e1cia <\/strong><\/span><\/h3>\n

V tomto roku infl\u00e1cia st\u00fapla u\u017e na 3,8 %.<\/strong> Infl\u00e1cia znamen\u00e1 znehodnotenie pe\u0148az\u00ed – \u010di\u017ee jednoducho povedan\u00e9, za tie ist\u00e9 peniaze si k\u00fapite menej tovarov a slu\u017eieb. Ak by sme chceli by\u0165 konkr\u00e9tnej\u0161\u00ed, tak napr\u00edklad z ka\u017ed\u00fdch 10 000 eur<\/strong> v banke si o rok k\u00fapite tovary maxim\u00e1lne v hodnote 9 620 eur a napr\u00edklad o 5 rokov len v hodnote 8 239 eur<\/strong>.<\/p>\n

Pre\u010do je to tak? S\u00edce na \u00fa\u010dte budete ma\u0165 v roku 2025 10 000 eur, av\u0161ak bud\u00fa ma\u0165 re\u00e1lnu hodnotu len 8 239 eur z roku 2020.<\/p>\n

Ako sme to vypo\u010d\u00edtali?<\/strong><\/span><\/p>\n

3,8 % = 10000 x (1-0,038) = 10000 x 0,962 = 9620 x 0,962 = 9254 x 0,962 = 8 902 x 0,962 = 8 564 x 0,962 = 8 239 \u20ac<\/p>\n

Preto namiesto toho, aby ste nechali peniaze ulo\u017een\u00e9 na be\u017enom \u00fa\u010dte v\u00a0banke<\/a> s nulov\u00fdm \u00farokom, je potrebn\u00e9 ich investova\u0165.<\/p>\n

Pre\u010do \u013eudia maj\u00fa peniaze na \u00fa\u010dtoch a neinvestuj\u00fa <\/strong><\/span><\/h2>\n

Naj\u010dastej\u0161ie je to z t\u00fdchto d\u00f4vodov:<\/strong><\/span><\/p>\n

A.<\/strong> Nevedia o dostupn\u00fdch mo\u017enostiach<\/strong> na Slovensku, ako bezpe\u010dne investova\u0165.<\/p>\n

B.<\/strong> Maj\u00fa n\u00edzke povedomie<\/strong> o invest\u00edci\u00e1ch a \u017eia\u013e, odr\u00e1dzaj\u00fa ich aj kauzy z minulosti.<\/p>\n

C.<\/strong> Br\u00e1ni im strach<\/strong> z rizika pri investovan\u00ed.<\/p>\n

\u010co pom\u00f4\u017ee?<\/strong><\/span><\/p>\n

A.<\/strong><\/span> Viac vzdel\u00e1vac\u00edch \u010dl\u00e1nkov<\/strong> o investovan\u00ed, viac vide\u00ed, pr\u00edpadne aj s pr\u00edkladmi re\u00e1lne zainvestovan\u00fdch klientov.<\/p>\n

B.<\/strong> <\/span>Je d\u00f4le\u017eit\u00e9 necha\u0165 si poradi\u0165 tak, aby ste mali zainvestovan\u00e9 prostriedky v spr\u00e1vnych invest\u00edci\u00e1ch<\/strong> a vyhli sa ponziho sch\u00e9mam (ide o nekal\u00e9 pyram\u00eddov\u00e9 hry), podvodom a \u0161pekul\u00e1ci\u00e1m.<\/p>\n

C.<\/strong><\/span> Je potrebn\u00e9 pozna\u0165 defin\u00edciu rizika<\/strong> pri investovan\u00ed, teda si uvedomi\u0165, \u017ee finan\u010dn\u00e9 trhy funguj\u00fa v ur\u010dit\u00fdch cykloch a \u017ee v\u017edy nedosiahnete o\u010dak\u00e1van\u00fd v\u00fdnos alebo dokonca m\u00f4\u017eete dosiahnu\u0165 stratu. Toto spr\u00e1vanie na finan\u010dn\u00fdch trhoch je v\u0161ak be\u017en\u00e9 a op\u00e4tovn\u00fdm rastom finan\u010dn\u00fdch trhov sa va\u0161e peniaze op\u00e4\u0165 zhodnotia.<\/p>\n

\"Fingo.sk<\/a><\/p>\n

Kto neinvestuje, str\u00e1ca na peniazoch <\/strong><\/span><\/h2>\n

Ak m\u00e1te spr\u00e1vne zainvestovan\u00e9 peniaze, m\u00f4\u017eete na tom strati\u0165 iba vtedy, ak si vyberiete finan\u010dn\u00e9 prostriedky v nespr\u00e1vnom \u010dase, \u010di\u017ee v \u010dase poklesov na finan\u010dn\u00fdch trhoch. Inak neexistuje riziko<\/strong>, \u017eeby ste skon\u010dili v strate.<\/p>\n

Pr\u00e1ve toto sa udialo minul\u00fd rok ke\u010f vypukla pand\u00e9mia koronav\u00edrusu. V panike spadli akciov\u00e9 trhy,<\/a> ale firmy si \u010falej dr\u017eali re\u00e1lnu hodnotu. Z\u00e1rove\u0148 vl\u00e1dy podporili tla\u010den\u00edm nov\u00fdch pe\u0148az\u00ed na\u0161tartovanie ekonom\u00edk po celom svete \u2013 \u010di\u017ee FIRIEM t\u00fdm, \u017ee vypustili nov\u00e9 peniaze do obehu. Firmy r\u00e1stli a rastie aj infl\u00e1cia.<\/strong><\/p>\n

\n

\u010ci\u017ee op\u00e4\u0165 sme pri ot\u00e1zke – kto je v tomto obdob\u00ed stratov\u00fd? \u010clovek, ktor\u00fd svoje peniaze neinvestuje. Lebo tovary a slu\u017eby zdra\u017eeli, ale jeho peniaze ulo\u017een\u00e9 v banke str\u00e1cali na hodnote.<\/p>\n<\/blockquote>\n

Infl\u00e1cia v auguste posko\u010dila na 3,8 %, v j\u00fali bola e\u0161te na \u00farovni 3,3 %<\/strong><\/p>\n

\"\"<\/p>\n

Zdroj: \u0160tatistick\u00fd \u00farad SR, v\u00fdpo\u010det NBS<\/span><\/p>\n

6 sp\u00f4sobov, ako porazi\u0165 infl\u00e1ciu a\u00a0pritom nepodstupova\u0165 vysok\u00e9 riziko<\/strong><\/span><\/h2>\n

Ni\u017e\u0161ie prin\u00e1\u0161ame 6 sp\u00f4sobov, ako m\u00f4\u017eete skonzervat\u00edvni\u0165 va\u0161e portf\u00f3lio, bezpe\u010dne investova\u0165 a pritom dosahova\u0165 v\u00fdnos.<\/p>\n

1. Diverzifikujte, \u010di\u017ee rozlo\u017ete invest\u00edcie do viacer\u00fdch n\u00e1strojov<\/strong><\/span><\/h3>\n

Nikto nehovor\u00ed, \u017ee mus\u00edte investova\u0165 v\u00fdlu\u010dne 100 % svojich prostriedkov do akci\u00ed. Investova\u0165 m\u00f4\u017eete napr\u00edklad aj do dlhopisov<\/strong>, teda nemajetkov\u00fdch cenn\u00fdch papierov. Naj\u010dastej\u0161ie ide o vl\u00e1dne alebo podnikov\u00e9 dlhopisy, pri ktor\u00fdch v\u00e1m \u0161t\u00e1t, resp. podnik ur\u010d\u00ed pevn\u00fd v\u00fdnos do splatnosti dan\u00e9ho dlhopisu.<\/p>\n

TIP:<\/span> <\/strong>Pozor, pevn\u00fd v\u00fdnos neznamen\u00e1 garantovan\u00fd. Preto nikdy neinvestujte len do jedn\u00e9ho dlhopisu, ale rad\u0161ej do dlhopisov\u00fdch fondov, ktor\u00e9 sa skladaj\u00fa z viacer\u00fdch firiem, resp. projektov.<\/p>\n

V r\u00e1mci diverzifik\u00e1cie portf\u00f3lia m\u00f4\u017eete investova\u0165 napr\u00edklad aj do realitn\u00fdch fondov<\/strong> alebo do komod\u00edt.<\/strong><\/a><\/p>\n

2. Vyberajte si bezpe\u010dnej\u0161ie akcie pod\u013ea ve\u013ekosti firiem<\/strong><\/span><\/h3>\n

Najvy\u0161\u0161\u00ed v\u00fdnos zo v\u0161etk\u00fdch investi\u010dn\u00fdch in\u0161trumentov vytv\u00e1raj\u00fa akcie.<\/strong> Av\u0161ak aj tie sa l\u00ed\u0161ia a m\u00f4\u017eete si nich vybera\u0165.<\/p>\n