{"id":1128,"date":"2022-01-19T14:32:37","date_gmt":"2022-01-19T12:32:37","guid":{"rendered":"https:\/\/www.byvanie-praca-relax.sk\/?p=1128"},"modified":"2022-01-21T13:07:22","modified_gmt":"2022-01-21T11:07:22","slug":"preco-a-kam-investovat-v-roku-2022","status":"publish","type":"post","link":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/byvanie\/preco-a-kam-investovat-v-roku-2022\/","title":{"rendered":"Pre\u010do a kam investova\u0165 v roku 2022?"},"content":{"rendered":"\n

Mysl\u00edte si, \u017ee investova\u0165 je rizikov\u00e9? Opak je pravdou. V roku 2021 zav\u00edtala do Va\u0161ich \u00fa\u010dtov, pe\u0148a\u017eeniek, trezorov, k Va\u0161im peniazom skryt\u00fdch pod vank\u00fa\u0161om zv\u00fd\u0161en\u00e1 infl\u00e1cia<\/a> .<\/p>\n\n\n\n

5,8 % infl\u00e1cia dosahuje moment\u00e1lne najvy\u0161siu hodnotu od decembra 2004 a bude pravdepodobne naj\u010dastej\u0161ie sklo\u0148ovan\u00e9 slovo pri investovan\u00ed v roku 2022. Dnes infl\u00e1ciu vidi\u0165e\u013ene poci\u0165ujeme pri n\u00e1v\u0161teve \u010derpacej stanice, pri k\u00fape potrav\u00edn a nehovoriac o cen\u00e1ch energi\u00ed.<\/p>\n\n\n\n

Pri ro\u010dnej infl\u00e1cii 5,8 % V\u00e1m z 10 000 \u20ac zostane po roku 9451,80 \u20ac<\/strong><\/p>\n\n\n\n

Ro\u010dn\u00e1 miera infl\u00e1cie v SR za posledn\u00fdch 20r.<\/strong><\/p>\n\n\n\n

\"graf<\/figure><\/div>\n\n\n\n

\u010eal\u0161\u00edm d\u00f4vodom pre\u010do investova\u0165 je zaistenie sa v starobe. Na grafe ni\u017e\u0161ie m\u00f4\u017eete vidie\u0165 progn\u00f3zu popula\u010dn\u00e9ho v\u00fdvoja Slovenskej republiky do roku 2050. V najbli\u017e\u0161\u00edch desa\u0165ro\u010diach sa treba na Slovensku pripravi\u0165 na zn\u00ed\u017eenie po\u010dtu obyvate\u013eov a intenz\u00edvne popula\u010dn\u00e9 starnutie. Pokles po\u010dtu obyvate\u013eov je ve\u013emi pravdepodobn\u00fd, popula\u010dn\u00e9 starnutie nezvratn\u00e9. Na zmenu t\u00fdchto hlavn\u00fdch demografick\u00fdch trendov je mo\u017en\u00e9 pom\u00fd\u0161\u013ea\u0165 a\u017e po roku 2060, ke\u010f siln\u00e9 popula\u010dn\u00e9 ro\u010dn\u00edky naroden\u00e9 v 2. polovici 20. storo\u010dia prestan\u00fa ovplyv\u0148ova\u0165 vekov\u00fa \u0161trukt\u00faru obyvate\u013estva.<\/p>\n\n\n\n

O\u010dak\u00e1van\u00fd v\u00fdvoj popul\u00e1cie v SR od roku 2000 – 2050<\/strong><\/p>\n\n\n\n

\"graf<\/figure>\n\n\n\n
\n

zelenou je vek obyvate\u013eov od 14 do 64 rokov z celkov\u00e9ho po\u010dtu popul\u00e1cie<\/p>\n\n\n\n

\u010dervenou je vek obyvate\u013eov 65 rokov a viac z celkov\u00e9ho po\u010dtu popul\u00e1cie<\/p>\n\n\n\n

modrou je vek obyvate\u013eov od 0 do 14 rokov z celkov\u00e9ho po\u010dtu popul\u00e1cie<\/p>\n<\/div><\/div>\n\n\n\n

Zdroj: the world bank<\/a><\/p>\n\n\n\n

Investovanie ako defin\u00edcia je odoprenie si s\u00fa\u010dastnej spotreby za \u00fa\u010delom bud\u00faceho \u00fa\u017eitku. Jednoducho o\u010dak\u00e1vate, \u017ee investovan\u00e9 peniaze sa zhodnotia, minim\u00e1lne prekonaj\u00fa infl\u00e1ciu a v bud\u00facnosti si budete m\u00f4c\u0165 za investovan\u00e9 peniaze k\u00fapi\u0165 viac slu\u017eieb alebo tovaru. Investovanie je dlhodobej\u0161ia z\u00e1le\u017eitos\u0165 \u010do to znamen\u00e1, \u017ee kr\u00e1tkodobej\u0161ie v\u00fdkyvy by V\u00e1s nemali za\u00faj\u00edma\u0165.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Kam investova\u0165 ?<\/h2>\n\n\n\n

Investova\u0165 sa d\u00e1 v dne\u0161nej dobe  prakticky do v\u0161etk\u00e9ho. Najd\u00f4le\u017eitej\u0161ie je investova\u0165 do vzdelania, potom ide o klasick\u00e9 n\u00e1stroje ako akcie, dlhopisy, podielov\u00e9 fondy, hedge fondy, cez n\u00e1kup investi\u010dn\u00fdch nehnu\u0165e\u013enost\u00ed, alternat\u00edvnych invest\u00edci\u00ed ako je v\u00edno, drah\u00e9 kovy, diamanty, alebo startupy alebo aj peer to peer p\u00f4\u017ei\u010dky.<\/p>\n\n\n\n

  1. Investovan\u00edm do seba do svojej odbornosti v\u00fdberom spr\u00e1vnej \u0161koly, k\u00fapou vhodn\u00fdch kn\u00edh, kurzov, semin\u00e1rov. \u00daspech a bohatstvo sa nedostavia (a dlhodobo nevydr\u017eia) bez zv\u00fd\u0161enia finan\u010dnej inteligencie. Ak k bohatstvu pr\u00eddete v\u00fdhrou v lot\u00e9rii, Va\u0161a finan\u010dn\u00e1 inteligencia sa v\u00f4bec nezv\u00fd\u0161i a je ve\u013ek\u00fd predpoklad, \u017ee o bohatstvo pr\u00eddete.<\/li>
  2. Akcie: n\u00e1kupom akci\u00ed sa m\u00f4\u017eete podie\u013ea\u0165 na podnikan\u00ed vynikaj\u00facich spolo\u010dnost\u00ed s medzin\u00e1rodn\u00fdm p\u00f4soben\u00edm ako je napr\u00edklad Apple, Coca Cola, Netflix.<\/li>
  3. Dlhopisy: dlhopis si m\u00f4\u017eete predstavi\u0165 ako p\u00f4\u017ei\u010dku, ktor\u00e1 V\u00e1m bude splaten\u00e1 na konci splatnosti a do tej doby obdr\u017e\u00edte v danej peri\u00f3de predom stanoven\u00fd \u00farok (kup\u00f3n).<\/li>
  4. Hotovos\u0165 a pe\u0148a\u017en\u00e9 ekvivalenty: peniaze dr\u017ean\u00e9 na be\u017en\u00fdch \u00fa\u010dtoch, \u0161t\u00e1tne pokladni\u010dn\u00e9 pouk\u00e1\u017eky, obchodovateln\u00e9 cenn\u00e9 papiere.<\/li>
  5. Alternat\u00edvne invest\u00edcie: zlato, striebro<\/a>, v\u00edno, whisky, diamanty, veter\u00e1ny, zn\u00e1mky, zberate\u013esk\u00e9 mince, umeleck\u00e9 diela a do v\u0161etk\u00e9ho ostatn\u00e9ho.<\/li>
  6. Nehnute\u013enosti: pozemky, domy, byty, komer\u010dn\u00e9 nehnute\u013enosti.<\/li>
  7. Komodity: drah\u00e9 kovy, kukurica, p\u0161enica, s\u00f3jov\u00e9 b\u00f4by, k\u00e1va, zemn\u00fd plyn, ropa.<\/li><\/ol>\n\n\n\n

    Pri ot\u00e1zke kam investova\u0165 by ste mali bra\u0165 do \u00favahy viacero faktorov. Jedn\u00fdm z nich je, \u017ee ekonomika prebieha v cykloch. Ekonomick\u00fd cyklus sasklad\u00e1 z dvoch z\u00e1kladn\u00fdch f\u00e1z a to z f\u00e1zy expanzie (n\u00e1rast ekonomickej aktivity) a z f\u00e1zy recesie (pokles ekonomickej aktivity).<\/p>\n\n\n\n

    Znamen\u00e1 to, \u017ee je d\u00f4le\u017eit\u00e9 vedie\u0165 v akej f\u00e1ze sa trh pribli\u017ene nach\u00e1dza. Na z\u00e1klade toho by sa malo odv\u00edja\u0165 va\u0161e investi\u010dn\u00e9 portf\u00f3lio, ktor\u00e9 by malo najm\u00e4 teraz sp\u013a\u0148a\u0165 funkciu ochrany pred nevidite\u013en\u00fdm zlodejom naz\u00fdvan\u00fdm infl\u00e1cia. Pre pr\u00edklad by sa dalo uvies\u0165 fyzick\u00e9 zlato a striebro, ktor\u00e9 sp\u013a\u0148aj\u00fa funkciu ochrany pred infl\u00e1ciou. Va\u0161e investi\u010dn\u00e9 portf\u00f3lio si v\u0161ak m\u00f4\u017eete zostavi\u0165 sami na z\u00e1klade invest\u00edcie do svojho vzdelania alebo to nech\u00e1te na odborn\u00edkov v danej oblasti.    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Mysl\u00edte si, \u017ee investova\u0165 je rizikov\u00e9? Opak je pravdou. V roku 2021 zav\u00edtala do Va\u0161ich \u00fa\u010dtov, pe\u0148a\u017eeniek, trezorov, k Va\u0161im peniazom skryt\u00fdch pod vank\u00fa\u0161om zv\u00fd\u0161en\u00e1…<\/p>\n","protected":false},"author":46,"featured_media":1152,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,69,118,73,5,6],"tags":[],"class_list":["post-1128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-byvanie","category-firma-zivnost","category-historia","category-hobby-zaluby","category-praca","category-relax"],"_links":{"self":[{"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/posts\/1128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/users\/46"}],"replies":[{"embeddable":true,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/comments?post=1128"}],"version-history":[{"count":6,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/posts\/1128\/revisions"}],"predecessor-version":[{"id":1156,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/posts\/1128\/revisions\/1156"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/media\/1152"}],"wp:attachment":[{"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/media?parent=1128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/categories?post=1128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.byvanie-praca-relax.sk\/index.php\/wp-json\/wp\/v2\/tags?post=1128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}