{"id":5923,"date":"2023-11-15T10:28:00","date_gmt":"2023-11-15T09:28:00","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=5923"},"modified":"2024-10-02T16:40:55","modified_gmt":"2024-10-02T14:40:55","slug":"co-su-to-etf-fondy-a-ake-su-ich-vyhody","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/co-su-to-etf-fondy-a-ake-su-ich-vyhody\/","title":{"rendered":"\u010co s\u00fa to ETF fondy a ak\u00e9 s\u00fa ich v\u00fdhody?"},"content":{"rendered":"\n<p><b>Chcete ochr\u00e1ni\u0165 va\u0161e peniaze pred infl\u00e1ciou a z\u00e1rove\u0148 ich efekt\u00edvne zhodnoti\u0165? Vysk\u00fa\u0161ajte investovanie do ETF fondov, ktor\u00e9 sa te\u0161ia st\u00e1le v\u00e4\u010d\u0161ej ob\u013eube Slov\u00e1kov a v porovnan\u00ed s podielov\u00fdmi fondmi maj\u00fa nieko\u013eko v\u00fdhod. Ide o fondy, ktor\u00e9 s\u00fa obchodovan\u00e9 priamo na burze a svoj\u00edm v\u00fdnosom v\u00e1s m\u00f4\u017eu milo prekvapi\u0165.&nbsp;&nbsp;<\/b><\/p>\n\n\n\n<p><strong>V \u010dl\u00e1nku sa do\u010d\u00edtate:<\/strong><\/p>\n\n\n\n<ul>\n<li>\u010co s\u00fa to ETF fondy<\/li>\n\n\n\n<li>Ako funguje investovanie do ETF fondov<\/li>\n\n\n\n<li>Ak\u00e9 r\u00f4zne typy ETF fondov existuj\u00fa&nbsp;<\/li>\n\n\n\n<li>Ak\u00e9 s\u00fa v\u00fdhody ETF <a href=\"https:\/\/www.fingo.sk\/investovanie\">oproti in\u00fdm fondom<\/a>&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 id=\"htoc-etf-fondy\"><span style=\"color: #ec8124;\"><b>ETF fondy<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">ETF fondy vyu\u017e\u00edvaj\u00fa men\u0161\u00ed a in\u0161titucion\u00e1lni klienti, ktor\u00ed h\u013eadaj\u00fa nov\u00e9 formy investovania. Ich ro\u010dn\u00fd v\u00fdnos m\u00f4\u017ee by\u0165 6 a\u017e 10 %, aj preto si tento typ fondov ob\u013e\u00fabilo mno\u017estvo na\u0161ich klientov. Investovanie do <a href=\"https:\/\/www.fingo.sk\/investovanie\/etf\">ETF fondov<\/a> m\u00e1 v\u0161ak aj in\u00e9 v\u00fdhody ako vy\u0161\u0161\u00ed v\u00fdnos. Nezaber\u00fa v\u00e1m ve\u013ea \u010dasu<\/span><span style=\"font-weight: 400;\">, <\/span><span style=\"font-weight: 400;\">nepotrebuj\u00fa vysok\u00fd vstupn\u00fd kapit\u00e1l a oproti podielov\u00fdm fondom u\u0161etr\u00edte aj na poplatkoch.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-o-je-to-etf-fond\"><span style=\"color: #ec8124;\"><b>\u010co je to ETF fond?<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Cel\u00fdm n\u00e1zvom exchange-traded fund, skr\u00e1tene ETF fondy, s\u00fa fondy zlo\u017een\u00e9 z viacer\u00fdch akt\u00edv, ktor\u00e9 na burze nakupuje obchodn\u00edk s cenn\u00fdmi papiermi. Na americkej burze sa nimi obchoduje od roku 1993. <\/span><span style=\"font-weight: 400;\">\u00daplne prv\u00fd ETF fond vznikol v roku 1990 v Toronte a v Eur\u00f3pe za\u010dali vznika\u0165 v roku 1999. Odvtedy sa vytvorili tis\u00edcky ETF fondov, ktor\u00e9 sa l\u00ed\u0161ia pod\u013ea sektorov, typov akt\u00edv a kraj\u00edn, kde vznikli.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">ETF s\u00fa spravovan\u00e9 fondy, ktor\u00e9 pas\u00edvne kop\u00edruj\u00fa ceny akci\u00ed alebo indexov, ktor\u00e9 obchodn\u00edk s cenn\u00fdmi papiermi na burze nakupuje. Ich hodnota sa odv\u00edja od ceny podkladov\u00e9ho akt\u00edva, ktor\u00fdm m\u00f4\u017ee by\u0165 <a href=\"https:\/\/www.fingo.sk\/blog\/5-dovodov-preco-investovat-do-zlata\/\">zlato,<\/a> ropa, r\u00f4zne komodity alebo dlhopisy. <\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\">\n<p id=\"htoc-etf-fond-m-e-nakupova-aj-akciov-indexy-ako-to-rob-napr-klad-najzn-mej-etf-fond-americk-index-s-amp-p-500-ten-sleduje-v-voj-500-najv-ch-akciov-ch-firiem-jeho-hodnota-sa-potom-odv-ja-od-akci-firiem-ktor-m-vo-svojom-portf-liu\"><span style=\"font-weight: 400;\">ETF fond m\u00f4\u017ee nakupova\u0165 aj akciov\u00e9 indexy ako to rob\u00ed napr\u00edklad najzn\u00e1mej\u0161\u00ed ETF fond &#8211; americk\u00fd Index S&amp;P 500. Ten sleduje v\u00fdvoj 500 najv\u00e4\u010d\u0161\u00edch akciov\u00fdch firiem. Jeho hodnota sa potom odv\u00edja od akci\u00ed firiem, ktor\u00e9 m\u00e1 vo svojom portf\u00f3liu.<\/span><\/p>\n<\/blockquote>\n\n\n\n<h2 id=\"htoc-ako-sa-l-ia-etf-fondy-od-ostatn-ch-fondov\"><span style=\"color: #ec8124;\"><b>Ako sa l\u00ed\u0161ia ETF fondy od ostatn\u00fdch fondov<\/b><\/span><\/h2>\n\n\n\n<p>ETF fondy funguj\u00fa podobne ako napr\u00edklad podielov\u00e9 fondy, z\u00e1sadn\u00fd rozdiel je v\u0161ak v tom, \u017ee v pr\u00edpade ETF fondov klient neinvestuje do podielov\u00fdch listov, ale obchoduje s nimi na burze, podobn\u00fdm sp\u00f4sobom ako s akciami.&nbsp;<\/p>\n\n\n\n<p><strong><em>Ak si chcete pozrie\u0165 detailnej\u0161ie porovnanie ETF a podielov\u00fdch fondov, pre\u010d\u00edtajte si blog <a href=\"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/\">Podielov\u00e9 fondy vs ETF: Ak\u00fd je medzi nimi rozdiel?&nbsp;<\/a><\/em><\/strong><\/p>\n\n\n\n<h2 id=\"htoc-ako-funguje-investovanie-do-etf-fondov1\"><span style=\"color: #ec8124;\"><b>Ako funguje investovanie do ETF fondov<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Investovanie do ETF fondov je pas\u00edvne investovanie na burze, na ktorej sa nakupuj\u00fa akcie a investuj\u00fa sa do tzv. indexov. Nikam nevol\u00e1te a neskupujete akcie \u010di podiely firiem priamo, ako to pozn\u00e1te z filmov. Vybra\u0165 si m\u00f4\u017eete pokojne iba jeden fond, preto\u017ee ten je zlo\u017een\u00fd z mno\u017estva tried starostlivo vyberan\u00fdch akt\u00edv.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Likvidita ETF fondu z\u00e1vis\u00ed od likvidity podkladov\u00e9ho akt\u00edva, pri\u010dom peniaze z fondu m\u00f4\u017eete ma\u0165 na \u00fa\u010dte od 5 do 30 dn\u00ed. Odpor\u00fa\u010dan\u00e1 doba investovania je minim\u00e1lne 3 roky, po\u010das ktor\u00fdch treba po\u010d\u00edta\u0165 s t\u00fdm, \u017ee hodnota fondu m\u00f4\u017ee <a href=\"https:\/\/www.fingo.sk\/blog\/pravidelne-investovanie-ako-a-kam-investovat\/\">pravidelne st\u00fapa\u0165<\/a> aj klesa\u0165. <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Odmenou za va\u0161u ochotu riskova\u0165 v\u0161ak m\u00f4\u017ee by\u0165 v\u00fdnos, ktor\u00fd bude vzh\u013eadom na ni\u017e\u0161ie poplatky vy\u0161\u0161\u00ed ako u tradi\u010dnej\u0161\u00edch podielov\u00fdch fondov. <\/span><span style=\"font-weight: 400;\">Ke\u010f\u017ee ide o pas\u00edvne investovanie, poplatky za spr\u00e1vu s\u00fa ni\u017e\u0161ie, m\u00f4\u017eu by\u0165 zhruba od 0,1 do 0,4 % z investovanej sumy.<br><br><\/span><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 id=\"htoc-ako-investova-do-etf-fondov\"><span style=\"color: #ec8124;\"><b>Ako investova\u0165 do ETF fondov<\/b><\/span><\/h2>\n\n\n\n<p>Dnes u\u017e je investovanie do ETF fondov naozaj jednoduch\u00e9. Pre investorov, ktor\u00ed si dok\u00e1\u017eu sami vybra\u0165 vhodn\u00e9ho a bezpe\u010dn\u00e9ho brokera a zostavi\u0165 si kvalitn\u00e9 portf\u00f3lio, je tu mo\u017enos\u0165 investova\u0165 priamo cez brokera. Pre ostatn\u00fdch, ktor\u00ed nie s\u00fa v tejto oblasti doma, je tu druh\u00e1 mo\u017enos\u0165 a tou je prenechanie spr\u00e1vy invest\u00edcie tretej strane. Niekomu, kto zabezpe\u010d\u00ed, \u017ee investor neurob\u00ed \u017eiadnu chybu a zbyto\u010dne nepr\u00edde o peniaze.&nbsp;<\/p>\n\n\n\n<p>Na za\u010diatku je v\u017edy dobr\u00e9 urobi\u0165 si preh\u013ead o dostupn\u00fdch mo\u017enostiach. Za\u010da\u0165 m\u00f4\u017eete napr\u00edklad<a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\"> na\u0161ou kalkula\u010dkou<\/a>.<\/p>\n\n\n\n<h3 id=\"htoc-\"><a href=\"https:\/\/www.fingo.sk\/investovanie?utm_source=blog&amp;utm_medium=gif&amp;utm_campaign=invest_gif\"><img decoding=\"async\" class=\"alignnone wp-image-7080 size-full\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2023\/01\/Investicna-kalkulacka-Fingo.gif\" alt=\"\" width=\"1350\" height=\"905\"><\/a><\/h3>\n\n\n\n<p><em><strong>Chcete sa dozvedie\u0165 kam investova\u0165 svoje peniaze? A \u010di je lep\u0161ie investova\u0165 jednorazovo alebo si invest\u00edciu rozlo\u017ei\u0165? Pre\u010d\u00edtajte si n\u00e1\u0161 blog <a href=\"https:\/\/www.fingo.sk\/blog\/poradime-vam-kam-investovat-5000-eur\/\">Porad\u00edme v\u00e1m, kam investova\u0165 5 000 eur<\/a><\/strong><\/em><\/p>\n\n\n\n<h2 id=\"htoc-typy-etf-fondov\"><span style=\"color: #ec8124;\"><b>Typy ETF fondov<\/b><\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Tak ako podielov\u00e9 fondy, aj ETF sa delia na viacer\u00e9 typy. Naj\u010dastej\u0161ie sa rozde\u013euj\u00fa pod\u013ea toho, do ak\u00fdch akt\u00edv investuj\u00fa. Ako investor si m\u00f4\u017eete vybra\u0165 z r\u00f4znych ETF fondov, ako s\u00fa indexov\u00e9 ETF fondy, sektorov\u00e9 ETF fondy, komoditn\u00e9 alebo menov\u00e9 ETF fondy a in\u00e9. Ak\u00e9 s\u00fa medzi nimi rozdiely a \u010do nakupuj\u00fa jednotliv\u00e9 fondy si pop\u00ed\u0161eme ni\u017e\u0161ie.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-indexov-etf-fondy\"><span style=\"color: #ec8124;\"><b>Indexov\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Tieto fondy s\u00fa charakteristick\u00e9 t\u00fdm, \u017ee ich zlo\u017eenie a pomer akci\u00ed je vyberan\u00fd za \u00fa\u010delom kop\u00edrovania v\u00fdvoja cien akciov\u00e9ho indexu. Reaguj\u00fa tak na v\u00fdvoj celosvetov\u00e9ho trhu. Ak trh rastie, st\u00fapa aj jeho hodnota a naopak, ak kles\u00e1 trh, kles\u00e1 aj fond. Spr\u00e1vca indexov\u00e9ho ETF fondu men\u00ed jeho zlo\u017eenie tak, aby zodpovedalo jednotliv\u00fdm akciov\u00fdm indexom.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"color: #ec8124;\"><b>TIP<\/b><\/span><span style=\"font-weight: 400;\"><span style=\"color: #ec8124;\">:<\/span> Tento typ patr\u00ed medzi najob\u013e\u00fabenej\u0161ie, lebo je priamo naviazan\u00fd na najv\u00fdznamnej\u0161ie akciov\u00e9 indexy ako napr\u00edklad Dow Jones alebo S&amp;P 500.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-sektorov-etf-fondy\"><span style=\"color: #ec8124;\"><b>Sektorov\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ide o fondy, ktor\u00fdch portf\u00f3lio obsahuje cenn\u00e9 papiere firiem naj\u00faspe\u0161nej\u0161\u00edch vo svojom trhovom segmente. M\u00f4\u017eu to by\u0165 cenn\u00e9 papiere automobilov\u00fdch, finan\u010dn\u00fdch, energetick\u00fdch, farmaceutick\u00fdch \u010di biotechnologick\u00fdch firiem, ktor\u00e9 patria medzi najv\u00fdznamnej\u0161\u00edch hr\u00e1\u010dov na trhu. Hovor\u00ed sa im aj odvetvov\u00e9 ETF fondy a radi ich vyu\u017e\u00edvaj\u00fa konzervat\u00edvnej\u0161\u00ed investori, preto\u017ee ich hodnota je <a href=\"https:\/\/www.fingo.sk\/investovanie\">stabilnej\u0161ia.<\/a> Do sektorov\u00e9ho fondu m\u00f4\u017ee investor vlo\u017ei\u0165 svoje prostriedky preto, lebo ver\u00ed dan\u00e9mu segmentu, ale nechce investova\u0165 iba do akci\u00ed jednej firmy.&nbsp;<\/span><\/p>\n\n\n\n<h3 id=\"htoc-komoditn-fondy\"><span style=\"color: #ec8124;\"><b>Komoditn\u00e9 fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Tento typ ETF fondu prin\u00e1\u0161a mo\u017enos\u0165 priamo investova\u0165 do ob\u013e\u00faben\u00fdch komod\u00edt ako s\u00fa drah\u00e9 kovy, nerastn\u00e9 suroviny alebo \u201cm\u00e4kk\u00e9\u201d komodity. Ich cie\u013eom je spr\u00edstupni\u0165 komodity \u0161ir\u0161iemu okruhu investorov. N\u00e1kup neprebieha formou akci\u00ed alebo samotnej komodity, ale prostredn\u00edctvom term\u00ednovan\u00e9ho kontraktu. Predstavuje ak\u00fasi formu zmluvy uzatvorenej na ur\u010dit\u00fd \u010das, po\u010das ktor\u00e9ho je zaisten\u00e1 cena komodity v bud\u00facnosti. Je to ak\u00e1si z\u00e1ruka, tzv. \u201dfutures\u201d , v\u010faka ktorej m\u00f4\u017ee investor nakupova\u0165 v\u00fdhodnej\u0161ie, za dohodnut\u00fa cenu v bud\u00facnosti.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-menov-etf-fondy\"><span style=\"color: #ec8124;\"><b>Menov\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ako u\u017e vypl\u00fdva aj z n\u00e1zvu, tento fond by mal odzrkad\u013eova\u0165 v\u00fdvoj ur\u010ditej meny. M\u00f4\u017ee ma\u0165 vo svojom portf\u00f3liu nielen jednu, ale aj viac mien. Obsahuje hotovos\u0165 danej meny alebo term\u00ednovan\u00fd kontrakt na jej neskor\u0161\u00ed n\u00e1kup. ETF fondy maj\u00fa v ob\u013eube investori, ktor\u00ed sa chc\u00fa vyhn\u00fa\u0165 obchodovaniu cez Forex, ale chc\u00fa investova\u0165 do cenov\u00e9ho v\u00fdvoja mien, napr\u00edklad do americk\u00e9ho dol\u00e1ra \u010di eura.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-dlhopisov-etf-fondy\"><span style=\"color: #ec8124;\"><b>Dlhopisov\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Dlhopisov\u00fd fond obsahuje <a href=\"https:\/\/www.fingo.sk\/investovanie\/dlhopisy\">dlhopisy<\/a> r\u00f4znych podnikov a firiem, pri\u010dom m\u00f4\u017ee \u00eds\u0165 aj o \u0161t\u00e1tne podniky. Ke\u010f\u017ee v\u0161etky ETF fondy s\u00fa riaden\u00e9 pas\u00edvne, dlhopisov\u00fd ETF kop\u00edruje v\u00fdvoj a rast dlhopisov t\u00fdchto podnikov. M\u00e1 zv\u00e4\u010d\u0161a n\u00edzku likviditu a pova\u017euje sa za stabilnej\u0161\u00ed.&nbsp;<\/span><\/p>\n\n\n\n<h3 id=\"htoc-p-kov-etf-fondy\"><span style=\"color: #ec8124;\"><b>P\u00e1kov\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">P\u00e1kov\u00e9 ETF fondy s\u00fa \u0161pecifick\u00e9 t\u00fdm, \u017ee na v\u00fdvoj akciov\u00fdch indexov reaguj\u00fa obzvl\u00e1\u0161\u0165 citlivo. Znamen\u00e1 to, \u017ee ak\u00fdko\u013evek pohyb podkladov\u00e9ho akt\u00edva bude ma\u0165 na hodnotu p\u00e1kov\u00e9ho ETF fondu ove\u013ea v\u00e4\u010d\u0161\u00ed vplyv, ako v pr\u00edpade, \u017ee by \u0161lo o indexov\u00fd ETF fond.&nbsp; M\u00f4\u017ee to vies\u0165 k n\u00e1razovo vy\u0161\u0161iemu zisku, ale aj k strate. Jeho cie\u013eom je hodnotu nieko\u013ekon\u00e1sobne zvy\u0161ova\u0165. Prv\u00fd p\u00e1kov\u00fd fond vznikol a\u017e v roku 2006. ETF s p\u00e1kov\u00fdm efektom svojim zlo\u017een\u00edm kop\u00edruj\u00fa indexov\u00fd fond, ale kapit\u00e1l fondu by mal popri kapit\u00e1le investorov zabezpe\u010di\u0165 zv\u00fd\u0161en\u00fd v\u00fdnos.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-inverzn-etf-fondy\"><span style=\"color: #ec8124;\"><b>Inverzn\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Do inverzn\u00fdch a p\u00e1kov\u00fdch ETF fondov sa <a href=\"https:\/\/www.fingo.sk\/blog\/7-dovodov-preco-investovat\/\">odpor\u00fa\u010da investova\u0165<\/a> kr\u00e1tkodobo a s\u00fa ur\u010den\u00e9 k r\u00fdchlej\u0161\u00edm a impluz\u00edvnej\u0161\u00edm obchodom. Inverzn\u00fd typ ETF fondu je opakom p\u00e1kov\u00e9ho, preto\u017ee by mal profitova\u0165 nie zo zisku akciov\u00fdch indexov, ale z ich straty. Ke\u010f hodnota podkladov\u00e9ho akt\u00edva rastie, inverzn\u00fd ETF st\u00fapa. Investori tak m\u00f4\u017eu profitova\u0165 z tzv. medvedieho trhu, \u010di\u017ee vtedy zar\u00e1baj\u00fa na poklese trhu. Oba typy ETF fondov, p\u00e1kov\u00fd aj inverzn\u00fd, sa sna\u017eia zisk dosiahnu\u0165 na dennej b\u00e1ze, aj preto ich treba d\u00f4kladne sledova\u0165 a vyhodnocova\u0165.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-dividendov-etf-fondy\"><span style=\"color: #ec8124;\"><b>Dividendov\u00e9 ETF fondy<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Tento typ fondov je ur\u010den\u00fd pre strednodob\u00e9 a\u017e dlhodob\u00e9 investovanie. Je zlo\u017een\u00fd z akci\u00ed s vysok\u00fdmi dividendami r\u00f4znych spolo\u010dnost\u00ed a podnikov s relat\u00edvne stabilnou hodnotou. Fondy m\u00f4\u017eu obchodova\u0165 s r\u00f4znymi menami a krajinami. Napr\u00edklad americk\u00fd dividendov\u00fd ETF fond Vanguard Dividend Appreciation m\u00e1 vo svojom portf\u00f3liu firmy ako Coca-Cola, Wal-Mart, Pepsi, IBM a in\u00e9.<\/span><\/p>\n\n\n\n<h2 id=\"htoc-v-hody-etf-fondov\"><span style=\"color: #ec8124;\"><b>V\u00fdhody ETF fondov<\/b><\/span><\/h2>\n\n\n\n<h3 id=\"htoc-n-zke-n-klady\"><span style=\"color: #ec8124;\"><b>N\u00edzke n\u00e1klady<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">ETF fondy z\u00edskali na popularite aj v\u010faka svojim n\u00edzkym n\u00e1kladom. Ke\u010f\u017ee ide o pas\u00edvne investovanie, poplatky za spr\u00e1vu a riadenie s\u00fa ove\u013ea ni\u017e\u0161ie a pohybuj\u00fa sa pribli\u017ene od 0,07 do 0,4 %. V porovnan\u00ed s priemern\u00fdmi poplatkami pri podielov\u00fdch fondoch je to zna\u010dn\u00fd rozdiel, ke\u010f\u017ee tie si \u00fa\u010dtuj\u00fa za spr\u00e1vu od 0,5 % do 3 % a poplatky v tejto v\u00fd\u0161ke investorov pripravia o zna\u010dn\u00fa \u010das\u0165 v\u00fdnosov.&nbsp;<\/span><\/p>\n\n\n\n<h3 id=\"htoc-vysok-likvidita\"><span style=\"color: #ec8124;\"><b>Vysok\u00e1 likvidita<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Zauj\u00edmav\u00e1 pre investorov je aj likvidita ETF fondov. Vybra\u0165 si svoju invest\u00edciu aj so ziskom si m\u00f4\u017eete v rozmedz\u00ed od 5 do 30 dn\u00ed od zadania va\u0161ej po\u017eiadavky na v\u00fdber. Presnej\u0161ie to z\u00e1vis\u00ed od podkladov\u00e9ho akt\u00edva, v ktorom s\u00fa va\u0161e prostriedky zainvestovan\u00e9. Aj to je rozdiel oproti <\/span><a href=\"https:\/\/www.fingo.sk\/blog\/podielove-fondy-vs-etf-aky-je-medzi-nimi-rozdiel\/\"><span style=\"font-weight: 400;\">podielov\u00fdm fondom<\/span><\/a><span style=\"font-weight: 400;\">, kde je vstup a v\u00fdstup investora o nie\u010do komplikovanej\u0161\u00ed a zd\u013ahavej\u0161\u00ed.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-irok-diverzifik-cia\"><span style=\"color: #ec8124;\"><b>\u0160irok\u00e1 diverzifik\u00e1cia<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Ako investor si m\u00f4\u017eete vybra\u0165 z tis\u00edcky ETF fondov na trhu, pri\u010dom v\u00e4\u010d\u0161ina je rizikovo diverzifikovan\u00e1 u\u017e len svojim zlo\u017een\u00edm. \u010co to znamen\u00e1? Triedy akt\u00edv ETF fondov m\u00f4\u017eu by\u0165 z r\u00f4znych odvetv\u00ed, kraj\u00edn a m\u00f4\u017ee sa v nich obchodova\u0165 r\u00f4znymi menami. Pomer a zlo\u017eenie t\u00fdchto fondov je \u0161iroko diverzifikovan\u00e9 za \u00fa\u010delom \u010do najvy\u0161\u0161ieho zisku. Rizikovos\u0165 je ale v ka\u017edom in\u00e1, preto sa oplat\u00ed pri v\u00fdbere vhodn\u00fdch ETF poradi\u0165 so sk\u00fasen\u00fdm <a href=\"https:\/\/www.fingo.sk\/kontakty\">investi\u010dn\u00fdm \u0161pecialistom.&nbsp;<\/a><\/span><\/p>\n\n\n\n<h3 id=\"htoc-da-ov-v-hody-a-transparentnos\"><span style=\"color: #ec8124;\"><b>Da\u0148ov\u00e9 v\u00fdhody a transparentnos\u0165<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Pri investovan\u00ed do ETF sa zisk zda\u0148uje pod\u013ea platn\u00e9ho da\u0148ov\u00e9ho z\u00e1kona 595\/2003 Z.z. o dani z pr\u00edjmu. M\u00f4\u017eete tu vyu\u017ei\u0165 oslobodenie od dane, tzv. \u010dasov\u00fd test<\/span><span style=\"font-weight: 400;\">. Podmienkou je, aby ste dr\u017eali nak\u00fapen\u00e9 ETF&nbsp; aspo\u0148 jeden rok.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">ETF fondy nakupuj\u00fa akcie priamo na burze, ktor\u00e1 je pr\u00edsne kontrolovan\u00e1 a transparentn\u00e1, \u010do tie\u017e zvy\u0161uje d\u00f4veryhodnos\u0165 tohto typu investovania.<\/span><\/p>\n\n\n\n<h3 id=\"htoc-efektivita-dostupnos\"><span style=\"color: #ec8124;\"><b>Efektivita, dostupnos\u0165<\/b><\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Jedn\u00fdm z najv\u00e4\u010d\u0161\u00edch plusov investovania do ETF fondov je ich efektivita a ziskovos\u0165.&nbsp;<\/span><\/p>\n\n\n\n<ul>\n<li><span style=\"font-weight: 400;\">M\u00f4\u017eete dosiahnu\u0165 nadpriemern\u00e9 v\u00fdnosy, a to aj napriek tomu, \u017ee denne nesledujete burzu.&nbsp;<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Vstupn\u00fd kapit\u00e1l do niektor\u00fdch ETF fondov je len 10 \u20ac, tak\u017ee na vstup do fondu nemus\u00edte ma\u0165 k dispoz\u00edcii tis\u00edcky eur.&nbsp;<\/span><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Na\u0161i klienti investuj\u00fa do ETF pravidelne ka\u017ed\u00fd mesiac. Touto formou sporia napr\u00edklad aj na bud\u00facnos\u0165 svojich det\u00ed alebo na svoj lep\u0161\u00ed d\u00f4chodok. Je to jedna z najlep\u0161\u00edch foriem, ako m\u00f4\u017eete <a href=\"https:\/\/inflacna-kalkulacka.sk\/\">porazi\u0165 infl\u00e1ciu<\/a> a z\u00e1rove\u0148 va\u0161e finan\u010dn\u00e9 prostriedky v\u00fdhodne zhodnoti\u0165.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Ak chcete efekt\u00edvne <a href=\"https:\/\/www.fingo.sk\/investovanie\" target=\"_blank\" rel=\"noreferrer noopener\">investova\u0165 do ETF<\/a> aj vy, zavolajte n\u00e1m do FinGO.sk na\u00a0<a href=\"tel:0800601060\">0800 60 10 60<\/a>\u00a0alebo n\u00e1m zanechajte va\u0161e <a href=\"https:\/\/www.fingo.sk\/kontakty\">kontaktn\u00e9 \u00fadaje<\/a> a my sa v\u00e1m ozveme.\u00a0<\/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>Chcete ochr\u00e1ni\u0165 va\u0161e peniaze pred infl\u00e1ciou a z\u00e1rove\u0148 ich efekt\u00edvne zhodnoti\u0165? Vysk\u00fa\u0161ajte investovanie do ETF fondov, ktor\u00e9 sa te\u0161ia st\u00e1le v\u00e4\u010d\u0161ej ob\u013eube Slov\u00e1kov a v porovnan\u00ed s podielov\u00fdmi fondmi maj\u00fa nieko\u013eko v\u00fdhod. Ide o fondy, ktor\u00e9 s\u00fa obchodovan\u00e9 priamo na burze a svoj\u00edm v\u00fdnosom v\u00e1s m\u00f4\u017eu milo prekvapi\u0165.&nbsp;&nbsp; V \u010dl\u00e1nku sa do\u010d\u00edtate: ETF fondy ETF fondy vyu\u017e\u00edvaj\u00fa men\u0161\u00ed a in\u0161titucion\u00e1lni klienti, ktor\u00ed h\u013eadaj\u00fa nov\u00e9 formy investovania. Ich ro\u010dn\u00fd v\u00fdnos m\u00f4\u017ee by\u0165 6 a\u017e 10 %, aj preto si tento typ fondov ob\u013e\u00fabilo mno\u017estvo na\u0161ich klientov. Investovanie do ETF fondov m\u00e1 v\u0161ak aj in\u00e9 v\u00fdhody ako vy\u0161\u0161\u00ed v\u00fdnos. Nezaber\u00fa v\u00e1m ve\u013ea \u010dasu, nepotrebuj\u00fa vysok\u00fd vstupn\u00fd kapit\u00e1l a oproti podielov\u00fdm fondom u\u0161etr\u00edte aj na poplatkoch. \u010co je to ETF fond? Cel\u00fdm n\u00e1zvom exchange-traded fund, skr\u00e1tene ETF fondy, s\u00fa fondy zlo\u017een\u00e9 z viacer\u00fdch akt\u00edv, ktor\u00e9 na burze nakupuje obchodn\u00edk s cenn\u00fdmi papiermi. Na americkej burze sa nimi obchoduje od roku 1993. \u00daplne prv\u00fd ETF fond vznikol v roku 1990 v Toronte a v Eur\u00f3pe za\u010dali vznika\u0165 v roku 1999. Odvtedy sa vytvorili tis\u00edcky ETF fondov, ktor\u00e9 sa l\u00ed\u0161ia pod\u013ea sektorov, typov akt\u00edv a kraj\u00edn, kde vznikli. ETF s\u00fa spravovan\u00e9 fondy, ktor\u00e9 pas\u00edvne kop\u00edruj\u00fa ceny akci\u00ed alebo indexov, ktor\u00e9 obchodn\u00edk s cenn\u00fdmi papiermi na [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":5926,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7,6],"tags":[196,262,52,259,211],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u010co s\u00fa to ETF fondy a ak\u00e9 s\u00fa ich v\u00fdhody? - FinGO.sk<\/title>\n<meta name=\"description\" content=\"\u010co s\u00fa to ETF fondy a v \u010dom s\u00fa v\u00fdhodnej\u0161ie oproti podielov\u00fdm fondom? 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