{"id":8294,"date":"2020-05-26T13:20:22","date_gmt":"2020-05-26T11:20:22","guid":{"rendered":"https:\/\/financer.com\/sk\/?page_id=8294"},"modified":"2024-01-26T01:31:58","modified_gmt":"2024-01-26T00:31:58","slug":"investovanie-do-fondov","status":"publish","type":"page","link":"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-fondov\/","title":{"rendered":"Investovanie do fondov"},"content":{"rendered":"\n
Investi\u010dn\u00fd fond je ob\u013e\u00faben\u00fd n\u00e1stroj kolekt\u00edvneho investovania.<\/strong> Je vyh\u013ead\u00e1van\u00fd predov\u0161etk\u00fdm fyzick\u00fdmi osobami a spolo\u010dnos\u0165ami, ktor\u00ed h\u013eadaj\u00fa vhodn\u00fd sp\u00f4sob zhodnocovania svojich \u00faspor.<\/p>\n\n\n\n Pod\u013ea posledn\u00fdch inform\u00e1ci\u00ed maj\u00fa Slov\u00e1ci prostredn\u00edctvom fondov investovan\u00fdch viac ako 8,5 miliardy EUR.<\/strong><\/p>\n\n\n\n Jeho podstata spo\u010d\u00edva v zhroma\u017e\u010fovan\u00ed verejn\u00fdch pe\u0148a\u017en\u00fdch prostriedkov od viacer\u00fdch men\u0161\u00edch investorov. Takto zhroma\u017eden\u00e9 peniaze sa investuj\u00fa do z\u00e1konom ur\u010den\u00e9ho majetku s cie\u013eom produkova\u0165 zisk.<\/p>\n\n\n\n Aj mal\u00e9 vklady viacer\u00fdch investorov tak m\u00f4\u017eu zabezpe\u010di\u0165 kapit\u00e1l umo\u017e\u0148uj\u00faci v\u00fdhodnej\u0161ie invest\u00edcie a t\u00fdm p\u00e1dom aj v\u00fdnosy, ne\u017e ak\u00e9 by investori dosiahli pri tradi\u010dn\u00fdch bankov\u00fdch vkladoch a sporiacich \u00fa\u010dtoch<\/a>.<\/p>\n\n\n\n Fondy s\u00fa spravovan\u00e9 spr\u00e1vcovsk\u00fdmi spolo\u010dnos\u0165ami<\/strong>, (tzv. asset management). S\u00fa zlo\u017een\u00e9 z t\u00edmu sk\u00fasen\u00fdch investi\u010dn\u00fdch mana\u017e\u00e9rov. Ich \u00falohou je stara\u0165 sa o finan\u010dn\u00e9 prostriedky investorov s cie\u013eom vytvori\u0165 efekt\u00edvny sp\u00f4sob zhodnocovania kapit\u00e1lu s dostato\u010dnou diverzifik\u00e1ciou.<\/p>\n\n\n\n Na kroky spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed dohliada depozit\u00e1r, \u010do je zvy\u010dajne banka. T\u00e1 vedie \u00fa\u010dty pre jednotliv\u00e9 fondy a takisto aj spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165.<\/p>\n\n\n\n V s\u00fa\u010dasnosti pozn\u00e1me nieko\u013eko z\u00e1kladn\u00fdch druhov fondov. V prvom rade s\u00fa to podielov\u00e9 fondy, ktor\u00e9 dop\u013a\u0148aj\u00fa indexov\u00e9, alebo takzvan\u00e9 ETF fondy a zmie\u0161an\u00e9 fondy. Ka\u017ed\u00e1 z t\u00fdchto kateg\u00f3ri\u00ed sa del\u00ed na nieko\u013eko \u010fal\u0161\u00edch.<\/p>\n\n\n\n Funguj\u00fa na princ\u00edpe pop\u00edsanom vy\u0161\u0161ie. Men\u0161\u00ed investori akumuluj\u00fa svoje finan\u010dn\u00e9 prostriedky cez spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165 na glob\u00e1lnom finan\u010dnom trhu s cie\u013eom v\u00fdnosu.<\/p>\n\n\n\n Ich prostriedky s\u00fa diverzifikovan\u00e9 medzi ve\u013ek\u00e9 mno\u017estvo akci\u00ed a in\u00fdch investi\u010dn\u00fdch pr\u00edle\u017eitost\u00ed. Tak\u00fdmto rozdeleniam invest\u00edci\u00ed podlieha d\u00f4kladn\u00e1 anal\u00fdza v\u00fdnosnosti a bud\u00faceho spr\u00e1vania sa.<\/p>\n\n\n\n Podielov\u00e9 fondy sa v z\u00e1sade l\u00ed\u0161ia mierou rizika, ktor\u00e9 s\u00fa ochotn\u00ed investori akceptova\u0165. Pozn\u00e1me:<\/p>\n\n\n\n S\u00fa to fondy funguj\u00face na odli\u0161nom princ\u00edpe. ETF (z anglick\u00e9ho Exchange Traded Funds), je fond obchodovate\u013en\u00fd na burze. Vyzna\u010duje sa vysokou likviditou, n\u00edzkymi poplatkami a vysokou mierou diverzifik\u00e1cie.<\/p>\n\n\n\n Jeho v\u00fdhoda spo\u010d\u00edva v tom, \u017ee je pas\u00edvne riaden\u00fd a sleduje investi\u010dn\u00fa komoditu, index alebo skupin\u00fa menov\u00fdch indexov bez doby exspir\u00e1cie. To umo\u017e\u0148uje v\u00e1m ako investorovi dlhodob\u00fa a bezprobl\u00e9mov\u00fa invest\u00edciu do komod\u00edt.<\/p>\n\n\n\n M\u00f4\u017ee sa obchodova\u0165 cez CFD kontrakty, alebo cez fyzick\u00e9 akcie na burze.<\/p>\n\n\n\n O ich rast\u00facej ob\u013e\u00fabenosti medzi investormi sved\u010d\u00ed fakt, \u017ee za posledn\u00fdch 10 rokov je v USA zaznamenan\u00fd odliv prostriedkov v hodnote takmer 150 mili\u00e1rd dol\u00e1rov z akt\u00edvne spravovan\u00fdch podielov\u00fdch fondov v prospech pas\u00edvne spravovan\u00fdch ETF fondov.<\/p>\n\n\n\n Hlavn\u00fdm d\u00f4vodov s\u00fa ni\u017e\u0161ie poplatky<\/strong> a zauj\u00edmavej\u0161ie v\u00fdnosy<\/strong>, ne\u017e ak\u00e9 pon\u00fakaj\u00fa klasick\u00e9 podielov\u00e9 fondy.<\/p>\n\n\n Aj na Slovensku v s\u00fa\u010dasnosti rastie z\u00e1ujem o invest\u00edcie do t\u00fdchto fondov. A to predov\u0161etk\u00fdm z da\u0148ov\u00e9ho h\u013eadiska. Ak toti\u017e dr\u017e\u00edte ETF fondy dlhodobo vo svojom investi\u010dnom portf\u00f3liu, nepodliehaj\u00fa zdaneniu a vy ste osloboden\u00ed od dane z v\u00fdnosu.<\/p><\/div>\n\n\n Klasick\u00e9 podielov\u00e9 fondy s\u00fa dostupn\u00e9 investorom cez spr\u00e1vcovsk\u00e9 spolo\u010dnosti a banky. ETF fondy s\u00fa dostupnej\u0161ie a to najm\u00e4 v\u010faka tomu, \u017ee s\u00fa verejne obchodovate\u013en\u00e9 na burze.<\/p>\n\n\n\n V s\u00fa\u010dasnosti m\u00f4\u017eete investova\u0165 do ETF fondov prostredn\u00edctvom t\u00fdchto platforiem:<\/p>\n\n\n\n eToro je najv\u00e4\u010d\u0161ia investi\u010dn\u00e1 platforma na svete, prostredn\u00edctvom ktorej m\u00f4\u017eete investova\u0165 aj do ETF fondov, u\u017e od 200 americk\u00fdch dol\u00e1rov.<\/p>\n\n\n\n Pon\u00faka bezplatn\u00e9 zalo\u017eenie a vedenie investorsk\u00e9ho \u00fa\u010dtu.<\/strong> Okrem ETF fondov m\u00f4\u017eete investova\u0165 aj s in\u00fdmi n\u00e1strojmi ako akcie<\/a>, nerastn\u00e9 suroviny alebo kryptomeny<\/a>.<\/p>\n\n\n\n Medzi najv\u00e4\u010d\u0161ie v\u00fdhody obchodovania na eToro patr\u00ed bezpe\u010dnos\u0165 va\u0161ich investovan\u00fdch prostriedkov, mo\u017enos\u0165 vysk\u00fa\u0161a\u0165 si DEMO investorsk\u00fd \u00fa\u010det s virtu\u00e1lnymi prostriedkami bez rizika straty a takisto kop\u00edrovanie naj\u00faspe\u0161nej\u0161\u00edch obchodn\u00edkov na platforme.<\/p>\n\n\n\n Pre\u010d\u00edtajte si viac o investovan\u00ed na eToro<\/a><\/p>\n\n\nPodielov\u00e9 fondy<\/h2>\n\n\n\n
Indexov\u00e9 (ETF) fondy<\/h2>\n\n\n\n
Investi\u010dn\u00e9 platformy<\/h2>\n\n\n\n
eToro<\/h3>\n\n\n\n