{"id":14275,"date":"2020-10-09T12:35:19","date_gmt":"2020-10-09T10:35:19","guid":{"rendered":"https:\/\/financer.com\/sk\/?page_id=14275"},"modified":"2024-01-23T12:43:10","modified_gmt":"2024-01-23T11:43:10","slug":"kde-investovat-peniaze","status":"publish","type":"post","link":"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/","title":{"rendered":"Kde investova\u0165 peniaze v roku 2024?"},"content":{"rendered":"\n<p>Ka\u017ed\u00fd rok je od t\u00fdch predch\u00e1dzaj\u00facich in\u00fdm, no<strong> rok 2024 je ur\u010dite \u0161pecifick\u00fdm.<\/strong> Na Slovensku, ako aj v \u010fal\u0161\u00edch krajin\u00e1ch sveta prebieha ekonomick\u00e1 kr\u00edza, ktor\u00e1 je d\u00f4sledkom pand\u00e9mie Covid-19, ako aj vojny na Ukrajine.<\/p>\n\n\n\n<p><a href=\"https:\/\/financer.com\/sk\/wiki\/inflacia\/\">Infl\u00e1cia<\/a> tento rok dosahuje historick\u00e9 maxim\u00e1. <strong>Peniaze na bankov\u00fdch \u00fa\u010dtoch r\u00fdchlo str\u00e1caj\u00fa hodnotu. <\/strong><a href=\"https:\/\/financer.com\/sk\/sporenie\/sporiaci-ucet\/\">Sporiace \u00fa\u010dty,<\/a> ktor\u00e9 v\u00e1s pred infl\u00e1ciou neochr\u00e1nili ani predt\u00fdm, str\u00e1caj\u00fa zmysel. Ich jedin\u00e9 vhodn\u00e9 vyu\u017eitie je tak na ulo\u017eenie <a href=\"https:\/\/financer.com\/sk\/ako-na-to\/financna-rezerva\/\">finan\u010dnej rezervy.<\/a><\/p>\n\n\n\n<p>Spr\u00e1vne <strong>ulo\u017eenie na\u0161ich financi\u00ed je teraz d\u00f4le\u017eitej\u0161ie ako kedyko\u013evek predt\u00fdm<\/strong>. No a\u00a0pokia\u013e sa v\u00e1m podar\u00ed investova\u0165 spr\u00e1vne, m\u00f4\u017eete &#8222;zarobi\u0165&#8220; e\u0161te vy\u0161\u0161ie sumy, ako po\u010das be\u017en\u00fdch rokov.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3>Sporenie vs investovanie<\/h3>Ak\u00fd je rozdiel medzi <a href=\"https:\/\/financer.com\/sk\/sporenie\/\">sporen\u00edm a investovan\u00edm?<\/a> V pr\u00edpade sporenia iba hromad\u00edme peniaze ur\u010den\u00e9 na neskor\u0161ie pou\u017eitie, av\u0161ak bez toho, aby sa zhodnotili. Naopak pri investovan\u00ed m\u00e1me mo\u017enos\u0165 svoj po\u010diato\u010dn\u00fd vklad zhodnoti\u0165.<\/div>\n\n\n<p><strong>Na v\u00fdber m\u00e1te pri investovan\u00ed od menej a\u017e po vysoko rizikov\u00fdch sp\u00f4sobov. <\/strong>Z\u00e1le\u017e\u00ed na v\u00e1s, \u010di ste ochotn\u00fd podst\u00fapi\u0165 riziko straty vlo\u017een\u00fdch financi\u00ed, alebo rad\u0161ej preferujete bezpe\u010dnej\u0161ie a\u00a0istej\u0161ie zhodnotenie. <\/p>\n\n\n\n<p>Kam sa teda <strong>v\u00a0roku 2024 oplat\u00ed investova\u0165<\/strong>, ak\u00e9 s\u00fa trendy a\u00a0o\u010dak\u00e1vania do bud\u00facnosti?<\/p>\n\n\n\t<div class=\"block-fn-toc\">\n\t\t\t\t\t<h3 class=\"block-fn-toc__title\">\n\t\t\t\tObsah \u010dl\u00e1nku\t\t\t<\/h3>\n\t\t\t\t<ul start=\"1\" class=\"block-fn-toc__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investcie_do_akci\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">1.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Investcie_do_akci\">\n\t\t\t\t\t\t\tInvest\u00edcie do akci\u00ed\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investcie_do_nehnutenost\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">2.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Investcie_do_nehnutenost\">\n\t\t\t\t\t\t\tInvest\u00edcie do nehnute\u013enost\u00ed\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investcie_do_podielovch_fondov\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">3.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Investcie_do_podielovch_fondov\">\n\t\t\t\t\t\t\tInvest\u00edcie do podielov\u00fdch fondov\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investcie_do_ETF_fondov\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">4.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Investcie_do_ETF_fondov\">\n\t\t\t\t\t\t\tInvest\u00edcie do ETF fondov\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investcie_do_P2P_piiek\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">5.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Investcie_do_P2P_piiek\">\n\t\t\t\t\t\t\tInvest\u00edcie do P2P p\u00f4\u017ei\u010diek\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Investovanie_do_kryptomien\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">6.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Investovanie_do_kryptomien\">\n\t\t\t\t\t\t\tInvestovanie do kryptomien\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"alie_formy_investovania\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">7.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#alie_formy_investovania\">\n\t\t\t\t\t\t\t\u010eal\u0161ie formy investovania\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"block-fn-toc__list-item\" data-id=\"Pracujte_so_svojimi_financiami\">\n\t\t\t\t\t\t<span class=\"block-fn-toc__list-number\">8.<\/span>\t\t\t\t\t\t<a class=\"block-fn-toc__list-link\" href=\"https:\/\/financer.com\/sk\/blog\/kde-investovat-peniaze\/#Pracujte_so_svojimi_financiami\">\n\t\t\t\t\t\t\tPracujte so svojimi financiami\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Investcie_do_akci\">Invest\u00edcie do akci\u00ed<\/h2>\n\n\n\n<p>Jedn\u00e1 sa o\u00a0<strong>jednu z\u00a0najbe\u017enej\u0161\u00edch foriem investovania, <\/strong>no aj napriek tomu sa mnoho za\u010d\u00ednaj\u00facich investorov tak\u00e9hoto sp\u00f4sobu ob\u00e1va. <\/p>\n\n\n\n<p>Je pravda, \u017ee <a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-akcii\/\" data-type=\"page\" data-id=\"7815\">investovanie do akci\u00ed<\/a> so sebou nesie ur\u010dit\u00e9 riziko, no pokia\u013e investujete rozumne, je mo\u017en\u00e9 ho eliminova\u0165 na minimum. <\/p>\n\n\n\n<p>Existuj\u00fa r\u00f4zne met\u00f3dy, ako k\u00a0n\u00e1kupu akci\u00ed pristupova\u0165 a\u00a0my sme sa pozreli na tie <a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-akcii-pre-zaciatocnikov\/\/\">najvyu\u017e\u00edvanej\u0161ie strat\u00e9gie<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Tip_od_Financercom_Slovensko\">Tip od Financer.com Slovensko<\/h3><em>Pred invest\u00edciou do konkr\u00e9tnej spolo\u010dnosti si v\u017edy d\u00f4kladne na\u0161tudujte jej v\u00fdvoj a\u00a0aktu\u00e1lne smerovanie.<\/em><\/div>\n\n\n<p><strong>Ako postupova\u0165<\/strong>, ak sa rozhodnete pre n\u00e1kup a\u00a0invest\u00edciu do akci\u00ed? Pre n\u00e1kup akci\u00ed potrebujete niekoho, kto disponuje obchodnou licenciou. <\/p>\n\n\n\n<p>To m\u00f4\u017ee by\u0165 va\u0161a banka, alebo nez\u00e1visl\u00fd obchodn\u00edk pri\u010dom plat\u00ed, \u017ee nez\u00e1visl\u00e9 obchodn\u00e9 platformy s\u00fa pre v\u00e1s takmer v\u017edy v\u00fdhodnej\u0161ie. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Investujte_s_eToro\">Investujte s eToro<\/h3>\n<strong>Lep\u0161ie zhodnotenie prostriedkov teda dosiahnete ak si vyh\u013ead\u00e1te overen\u00e9ho brokera.<\/strong> Najzn\u00e1mej\u0161\u00edm online brokerom je <a href=\"https:\/\/financer.com\/sk\/spolocnost\/etoro\/\" data-type=\"company_single\" data-id=\"7785\">eToro<\/a>, ktor\u00e9 je jednou z najv\u00e4\u010d\u0161\u00edch investi\u010dn\u00fdch platforiem na svete a disponuje ve\u013ek\u00fdm v\u00fdberom spolo\u010dnost\u00ed.\nPre\u010d\u00edtajte si na\u0161u <a href=\"https:\/\/financer.com\/sk\/sporenie\/etoro-recenzia\/\" data-type=\"page\" data-id=\"14918\">kompletn\u00fa recenziu platformy eToro<\/a>.\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<h3><\/h3><br><ul><li>Mo\u017enos\u0165 ni\u017e\u0161ej vstupnej invest\u00edcie<\/li><li>Vysok\u00e1 likvidita<\/li><li>Vy\u0161\u0161ia \u0161anca na dobr\u00fd v\u00fdnos<\/li><\/ul>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Vy\u0161\u0161ie riziko z d\u00f4vodu n\u00e1hlych prepadov trhu<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Investcie_do_nehnutenost\">Invest\u00edcie do nehnute\u013enost\u00ed<\/h2>\n\n\n\n<p>Hovor\u00ed sa, \u017ee <a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-nehnutelnosti\/\" data-type=\"page\" data-id=\"5566\">invest\u00edcia do nehnute\u013en\u00e9ho majetku<\/a> je istotou a\u00a0\u017ee sa jedn\u00e1 o\u00a0jeden z\u00a0najlep\u0161\u00edch sp\u00f4sobov ulo\u017eenia n\u00e1\u0161ho finan\u010dn\u00e9ho majetku, s\u00a0n\u00edzkym zv\u00fdhodnen\u00edm, no zato aj n\u00edzkym rizikom. <\/p>\n\n\n\n<p><strong>Je to tak ale aj v\u00a0roku 2024?<\/strong> Zatia\u013e aj napriek neo\u010dak\u00e1van\u00e9mu v\u00fdvoju ni\u010d nenasved\u010duje tomu, \u017ee ceny nehnute\u013enost\u00ed by mali v\u00a0najbli\u017e\u0161om obdob\u00ed v\u00fdraznej\u0161ie klesa\u0165.<\/p>\n\n\n\n<p><strong>Invest\u00edcia do k\u00fapy nehnute\u013enosti na pren\u00e1jom <\/strong>sa m\u00f4\u017ee st\u00e1le oplati\u0165 aj napriek tomu, \u017ee ceny m\u00f4\u017eu ma\u0165 tendenciu mierne klesa\u0165. <\/p>\n\n\n\n<p>Pokia\u013e sa rozhodnete pre <strong>n\u00e1jomcami vyh\u013ead\u00e1van\u00fa lokalitu, <\/strong>s\u00a0dlhodob\u00fdm pren\u00e1jmom by ste nemuseli ma\u0165 probl\u00e9m. Pozrite sa, <a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-nehnutelnosti\/analyza-vynosnosti\/\" data-type=\"page\" data-id=\"7038\">ako analyzova\u0165 v\u00fdnosnos\u0165 invest\u00edcie<\/a>.<\/p>\n\n\n\n<p>Berte v\u0161ak do \u00favahy trend v\u00a0raste nezamestnanosti a\u00a0<strong>pred k\u00fapou si d\u00f4kladne zv\u00e1\u017ete aj podmienky banky<\/strong>, pri ktorej budete \u017eiada\u0165 a\u00a0\u010derpa\u0165 <a href=\"https:\/\/financer.com\/sk\/pozicky\/hypoteka\/\">hypot\u00e9ku<\/a> na k\u00fapu nehnute\u013enosti.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Investovanie_do_nehnuteu013enostu00ed_od_50_EUR\">Investovanie do nehnute\u013enost\u00ed s EstateGuru<\/h3><strong>Vedeli ste, \u017ee do nehnute\u013enost\u00ed m\u00f4\u017eete investova\u0165 aj ke\u010f nem\u00e1te vlastn\u00fd kapit\u00e1l? <\/strong>\nEst\u00f3nska spolo\u010dnost <a href=\"https:\/\/financer.com\/sk\/spolocnost\/estateguru\/\">EstateGuru<\/a> v\u00e1m pon\u00faka mo\u017enos\u0165 spolupodie\u013ea\u0165 sa na v\u00fdstavbe developersk\u00fdch projektov v 5 \u0161t\u00e1toch u\u017e od 50 EUR so zhodnoten\u00edm viac ako 10%.\nTo je skvel\u00e1 pr\u00edle\u017eitos\u0165 ako investova\u0165 peniaze do nehnute\u013enost\u00ed, aj ke\u010f nem\u00e1te na \u00fa\u010dte tis\u00edce eur.<p class=\"has-text-right\">\n\t <a href=\"https:\/\/financer.com\/sk\/spolocnost\/estateguru\/\" class=\"button is-normal is-primary is-rounded is-large\">Pozrie\u0165 viac <\/a>\n\t<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>N\u00edzke riziko<\/p>\n<\/li><li>\n<p>Mo\u017enos\u0165 z\u00edska\u0165 nie\u010do hmatate\u013en\u00e9<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>V porovnan\u00ed s in\u00fdmi typmi investovania pomerne n\u00edzke v\u00fdnosy<\/p>\n<\/li><li>\n<p>N\u00edzka likvidita<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Investcie_do_podielovch_fondov\">Invest\u00edcie do podielov\u00fdch fondov<\/h2>\n\n\n\n<p>\u010co to vlastne <a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-fondov\/\" data-type=\"page\" data-id=\"8294\">podielov\u00e9 fondy<\/a> s\u00fa? M\u00f4\u017eeme ich jednoducho prirovna\u0165 k\u00a0fungovaniu akciovej spolo\u010dnosti. Jednotliv\u00fdmi investormi s\u00fa v\u00a0tomto pr\u00edpade samotn\u00ed investori. <\/p>\n\n\n\n<p>Mal\u00ed sa spoja s\u00a0v\u00e4\u010d\u0161\u00edmi a\u00a0spolo\u010dne tak m\u00f4\u017eu obchodova\u0165 aj <strong>drah\u0161ie cenn\u00e9 papiere<\/strong>. Podielov\u00fd fond m\u00f4\u017ee by\u0165 dobrou invest\u00edciou aj v\u00a0roku 2024, je v\u0161ak potrebn\u00e9 zv\u00e1\u017ei\u0165, \u010do od nej o\u010dak\u00e1vame.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><em>Pri investovan\u00ed do podielov\u00fdch fondov \u0161tandardne plat\u00ed, \u017ee na \u010d\u00edm dlh\u0161iu dobu investujete, t\u00fdm vy\u0161\u0161iu pravdepodobnos\u0165 z\u00e1robku invest\u00edcia vykazuje.<\/em><\/div>\n\n\n<p>Ke\u010f\u017ee je podielov\u00fd fond st\u00e1le otvoren\u00fd, realizova\u0165 cez neho m\u00f4\u017eeme dlhodob\u00e9, ale aj kr\u00e1tkodob\u00e9 \u010di dokonca jednorazov\u00e9 invest\u00edcie. <\/p>\n\n\n\n<p>O\u00a0podielov\u00fd fond sa star\u00e1 <strong>investi\u010dn\u00e1 spolo\u010dnos\u0165<\/strong>, ktor\u00e1 je regulovan\u00e1 z\u00e1konom a\u00a0na v\u00fdvoj v\u00a0jednotliv\u00fdch odvetviach v\u00e1s vie pomerne r\u00fdchlo a\u00a0spo\u013eahlivo upozorni\u0165.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>\u0160irok\u00fd v\u00fdber investi\u010dn\u00fdch mo\u017enost\u00ed<\/p>\n<\/li><li>\n<p>Vysok\u00e1 diverzifik\u00e1cia<\/p>\n<\/li><li>\n<p>Vysok\u00e1 likvidita<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Hodnota invest\u00edcie m\u00f4\u017ee kol\u00edsa\u0165<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Investcie_do_ETF_fondov\">Invest\u00edcie do ETF fondov<\/h2>\n\n\n\n<p>Naz\u00fdvan\u00e9 aj Indexov\u00e9 fondy, <strong>s\u00fa jednou z\u00a0odpor\u00fa\u010dan\u00fdch foriem investovania<\/strong> pre rok 2024. V\u00fdhodou <a href=\"https:\/\/financer.com\/sk\/wiki\/co-su-etf-fondy\/\">ETF fondov <\/a>je, \u017ee nie je potrebn\u00e9 selektova\u0165 akcie jednotliv\u00fdch spolo\u010dnost\u00ed. <\/p>\n\n\n\n<p>Men\u0161\u00ed investori z\u00a0cel\u00e9ho sveta tak <strong>nakupuj\u00fa cel\u00e9 burzov\u00e9 indexy<\/strong>, ktor\u00e9 n\u00e1sledne m\u00f4\u017eete necha\u0165 pracova\u0165. <\/p>\n\n\n\n<p>Neplat\u00edte vysok\u00e9 poplatky ako napr\u00edklad pri podielov\u00fdch fondov a\u00a0v\u00a0pr\u00edpade naskytnutej mo\u017enosti zisku, m\u00f4\u017eete invest\u00edciu hne\u010f pred\u00e1va\u0165.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Tip_od_Financercom_Slovensko\">Tip od Financer.com Slovensko<\/h3><p style=\"text-align: center\">Pozrite sa na <a href=\"https:\/\/financer.com\/sk\/sporenie\/porovnanie-podielove-etf-fondy\/\" target=\"_blank\" rel=\"noopener\">porovnanie v\u00fdnosnosti podielov\u00fdch a ETF fondov<\/a>.<\/p><\/div>\n\n\n<p>\u010eal\u0161\u00edmi v\u00fdhodami s\u00fa <strong>relat\u00edvne vysok\u00e1 likvidita fondov<\/strong> a\u00a0mo\u017en\u00fd pas\u00edvny pr\u00edstup, \u010do znamen\u00e1, \u017ee si nemus\u00edte do h\u013abky \u0161tudova\u0165 situ\u00e1ciu jednotliv\u00fdch spolo\u010dnost\u00ed. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Kde_investova_do_ETF_fondov\">Kde investova\u0165 do ETF fondov?<\/h3><strong>ETF fondy<\/strong> m\u00f4\u017eete nak\u00fapi\u0165 prostredn\u00edctvom brokera. V Slovenskej republike je nimi napr\u00edklad <a href=\"https:\/\/financer.com\/sk\/spolocnost\/etoro\/\">eToro<\/a> alebo <a href=\"https:\/\/financer.com\/sk\/spolocnost\/xtb\/\">XTB<\/a>.<\/div>\n\n\n<p>V\u00fdhodou tie\u017e je, \u017ee zo ziskov za obdobie dlh\u0161ie ako 1 rok, fyzick\u00e9 osoby v\u00a0r\u00e1mci Slovenskej republiky <strong>neplatia \u017eiadnu da\u0148 ani odvody<\/strong>. <\/p>\n\n\n\n<p>Nev\u00fdhodou naopak je, \u017ee kop\u00edrujete burzov\u00e9 indexy a\u00a0va\u0161e zisky s\u00fa tak limitovan\u00e9 na pribli\u017ene 7% ro\u010dne.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Investcie_do_P2P_piiek\">Invest\u00edcie do P2P p\u00f4\u017ei\u010diek<\/h2>\n\n\n\n<p>Napriek tomu, \u017ee <strong>ide o pomerne nov\u00fd sp\u00f4sob investovania, <\/strong>P2P alebo <a href=\"https:\/\/financer.com\/sk\/pozicky\/pozicky-od-ludi\/\">kolekt\u00edvne p\u00f4\u017ei\u010dky<\/a> sa st\u00e1vaj\u00fa st\u00e1le popul\u00e1rnej\u0161ie aj na Slovensku. <\/p>\n\n\n\n<p>U\u017e ako n\u00e1zov peer-to-peer napoved\u00e1, ide o<strong> po\u017ei\u010diavanie pe\u0148az\u00ed od \u013eud\u00ed \u013eu\u010fom. <\/strong>Medzi sebou ich prep\u00e1jaj\u00fa P2P platformy.<\/p>\n\n\n\n<p>Na jednej strane s\u00fa teda <strong>investori, ktor\u00ed platformy vyu\u017e\u00edvaj\u00fa na zhodnotenie svojich finan\u010dn\u00fdch prostriedkov. <\/strong>Na druhej strane \u013eudia, ktor\u00ed si potrebuj\u00fa po\u017ei\u010da\u0165.<\/p>\n\n\n\n<p>Vo v\u00e4\u010d\u0161ine pr\u00edpadov<strong> tento typ po\u017ei\u010diavania vyh\u013ead\u00e1vaj\u00fa najm\u00e4 z d\u00f4vodu vysok\u00fdch \u00farokov<\/strong> na be\u017en\u00fdch <a href=\"https:\/\/financer.com\/sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fdch \u00faveroch <\/a>v bank\u00e1ch, pr\u00edpadne jednoducho preto\u017ee im banky odmietaj\u00fa po\u017ei\u010da\u0165.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Ako_zhodnoti_peniaze_investovanm_do_P2P_piiek\">Ako zhodnoti\u0165 peniaze investovan\u00edm do P2P p\u00f4\u017ei\u010diek?<\/h3>Na Slovensku m\u00f4\u017eete do P2P p\u00f4\u017ei\u010diek investova\u0165 prostredn\u00edctvom platforiem <a href=\"https:\/\/financer.com\/sk\/spolocnost\/bondster\/\">Bondster<\/a>, <a href=\"https:\/\/financer.com\/sk\/spolocnost\/mintos\/\">Mintos<\/a> alebo<a href=\"https:\/\/financer.com\/sk\/spolocnost\/mintos\/\"> PORT Invest.<\/a> Viac o P2P platform\u00e1ch a ich porovnanie n\u00e1jdete <a href=\"https:\/\/financer.com\/sk\/sporenie\/p2p-investovanie\/\">\na tejto str\u00e1nke.<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>Mo\u017enos\u0165 vysok\u00e9ho v\u00fdnosu<\/p>\n<\/li><li>\n<p>N\u00edzky vstupn\u00fd kapit\u00e1l<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Pomerne vysok\u00e9 riziko nespl\u00e1cania dl\u017en\u00edkmi<\/p>\n<\/li><li>\n<p>Vhodn\u00e9 sk\u00f4r pre dlhodobej\u0161ie investovanie<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Investovanie_do_kryptomien\">Investovanie do kryptomien<\/h2>\n\n\n\n<p><a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-kryptomien\/\">Investovanie do kryptomien<strong> <\/strong><\/a><strong>je aktu\u00e1lnym fenom\u00e9nom vo svete financi\u00ed. <\/strong>Ide o virtu\u00e1lnu respekt\u00edve digit\u00e1lnu menu vo virtu\u00e1lnom priestore.<\/p>\n\n\n\n<p>V\u00e4\u010d\u0161ina kryptomien je zalo\u017een\u00e1 na technol\u00f3gii <a href=\"https:\/\/financer.com\/sk\/wiki\/co-je-blockchain\/\">blockchain<\/a>, v\u010faka ktorej doch\u00e1dza k bezpe\u010dn\u00fdm a transparentn\u00fdm transakci\u00e1m.<\/p>\n\n\n\n<p>Treba podotkn\u00fa\u0165, \u017ee<strong> ide o st\u00e1le relat\u00edvne nov\u00fd druh invest\u00edcie, <\/strong>preto je aj riziko investovania o nie\u010do vy\u0161\u0161ie. Je preto d\u00f4le\u017eit\u00e9 bra\u0165 <a href=\"https:\/\/financer.com\/sk\/kryptomeny\/\">kryptomeny<\/a> sk\u00f4r ako roz\u0161\u00edrenie u\u017e existuj\u00faceho investi\u010dn\u00e9ho portf\u00f3lia a rozumne zvoli\u0165 v\u00fd\u0161ku invest\u00edcie.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Ako_investova_peniaze_do_kryptomien\">Ako investova\u0165 peniaze do kryptomien?<\/h3>Kryptomeny m\u00f4\u017eete nak\u00fapi\u0165, preda\u0165, pr\u00edpadne s nimi obchodova\u0165, na<a href=\"https:\/\/financer.com\/sk\/sporenie\/najlepsie-kryptoburzy-porovnanie\/\"> kryptomenov\u00fdch burz\u00e1ch.<\/a> Medzi najv\u00e4\u010d\u0161ie a najzn\u00e1mej\u0161ie burzy patr\u00ed <a href=\"https:\/\/financer.com\/sk\/spolocnost\/binance\/\">Binance<\/a>, <a href=\"https:\/\/financer.com\/sk\/spolocnost\/coinbase\/\">Coinbase<\/a> alebo <a href=\"https:\/\/financer.com\/sk\/spolocnost\/kraken\/\">Kraken<\/a>.<\/div>\n\n\n<p>V\u0161eobecne sa odpor\u00fa\u010da, <strong>aby kryptomeny tvorili zhruba 5% v\u00e1\u0161ho investi\u010dn\u00e9ho portf\u00f3lia. <\/strong>Pokia\u013e v\u00e1s zauj\u00edma, do akej kryptomeny sa oplat\u00ed investova\u0165, pre\u010d\u00edtajte si<a href=\"https:\/\/financer.com\/sk\/blog\/ake-kryptomeny-kupit\/\"> tento \u010dl\u00e1nok.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>Vysok\u00fd v\u00fdnos<\/p>\n<\/li><li>\n<p>Vysok\u00e1 likvidita<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Vysok\u00e9 riziko<\/p>\n<\/li><li>\n<p>Vysok\u00e1 volatilita<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"alie_formy_investovania\">\u010eal\u0161ie formy investovania<\/h2>\n\n\n\n<p>Finan\u010dn\u00fd trh je po\u010das roku 2024 menej predv\u00eddate\u013en\u00fd. To v\u0161ak neznamen\u00e1, \u017ee investova\u0165 sa neoplat\u00ed, pr\u00e1ve naopak. Za zmienku ur\u010dite stoja aj <strong>klasick\u00e9 investi\u010dn\u00e9 komodity<\/strong>, ak\u00fdmi s\u00fa ropa \u010di zlato. <\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li>\n<p><strong>Ropa\u00a0<\/strong>\u2013 v\u00fdkyvy cien s\u00fa prakticky ka\u017edodenn\u00e9, \u010do pri pozornom sledovan\u00ed vytv\u00e1ra potencion\u00e1lny priestor na vytvorenie zisku. Aj ke\u010f s\u00fa moment\u00e1lne ceny \u201e\u010dierneho zlata\u201c na ni\u017e\u0161\u00edch hodnot\u00e1ch, je mo\u017en\u00e9, \u017ee cyklus navy\u0161ovania hodnoty sa bude opakova\u0165.<\/p>\n<\/li><li>\n<p><a href=\"https:\/\/financer.com\/sk\/sporenie\/investovanie-do-zlata\/\">Zlato<\/a>\u00a0\u2013 vo v\u0161eobecnosti plat\u00ed, \u017ee invest\u00edcia do najdrah\u0161ieho kovu nie je invest\u00edciou na zhodnotenie, no invest\u00edciou na ochranu \u00faspor. Vlastni\u0165 zlato sa oplat\u00ed a\u00a0zvl\u00e1\u0161\u0165 v\u00a0neist\u00fdch \u010dasoch v\u00e1m m\u00f4\u017ee prinies\u0165 \u00faspe\u0161n\u00fa invest\u00edciu, pr\u00e1ve vo forme udr\u017eania si v\u00e1\u0161ho finan\u010dn\u00e9ho majetku.<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><strong>\u010eal\u0161\u00edmi alternat\u00edvnymi invest\u00edciami<\/strong> m\u00f4\u017ee by\u0165 umenie, zberate\u013esk\u00e9 predmety alebo veter\u00e1ny. V\u00e4\u010d\u0161ina investorov v\u0161ak tieto komodity nakupuje sk\u00f4r pre rados\u0165, preto s\u00fa tieto invest\u00edcie nie v\u017edy vykon\u00e1van\u00e9 za \u00fa\u010delom zisku.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Pracujte_so_svojimi_financiami\">Pracujte so svojimi financiami<\/h2>\n\n\n\n<p>Pri investovan\u00ed plat\u00ed formulka, \u017ee<strong> ni\u010d nie je hor\u0161ie ako ne\u010dinnos\u0165. <\/strong>Vysok\u00e1 infl\u00e1cia a\u00a0zni\u017eovanie \u00farokov pri be\u017en\u00fdch vkladoch zo strany b\u00e1nk sp\u00f4sobuje, \u017ee peniaze ulo\u017een\u00e9 na klasick\u00fdch \u00fa\u010dtoch v\u00e1m nezar\u00e1baj\u00fa v\u00f4bec, pr\u00edpadne vykazuj\u00fa stratu. <\/p>\n\n\n\n<p>Preto rad\u00edme:<strong> Investujte, no<\/strong> <strong>investujte rozumne<\/strong>. Sledujte aktu\u00e1lne trendy a\u00a0v\u00fdvoj na svetov\u00fdch trhoch.\u00a0Riziko straty je dobr\u00e9 zni\u017eova\u0165 rozlo\u017een\u00edm investi\u010dn\u00e9ho portf\u00f3lia do viacer\u00fdch typov invest\u00edci\u00ed a investi\u010dn\u00fdch n\u00e1strojov.<\/p>\n\n\n\n<p>Mo\u017enost\u00ed kam investova\u0165 peniaze je aj v roku 2024 viac ako dos\u0165. Kde a ako ich budete investova\u0165 v\u0161ak z\u00e1vis\u00ed v kone\u010dnom d\u00f4sledku len od v\u00e1s. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Upozornenie_\">Upozornenie <\/h3><em>Obsah tejto webovej str\u00e1nky za \u017eiadnych okolnost\u00ed nepova\u017eujte za finan\u010dn\u00e9 poradenstvo. V\u0161etky inform\u00e1cie na str\u00e1nke Financer.com maj\u00fa vzdel\u00e1vac\u00ed charakter a v \u017eiadnom pr\u00edpade nepredstavuj\u00fa podnet na n\u00e1kup alebo predaj. V\u017edy je d\u00f4le\u017eit\u00e9 urobi\u0165 si svoj vlastn\u00fd prieskum a nikdy neinvestova\u0165 viac, ne\u017e si m\u00f4\u017eete dovoli\u0165 strati\u0165.<\/em><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Pre\u010do investova\u0165 peniaze?<\/h4><div class=\"faq_inner\">Nach\u00e1dzame sa uprostred ekonomickej kr\u00edzy s rekordn\u00fdmi hodnotami infl\u00e1cie, pr\u00e1ve z tohto d\u00f4vodu peniaze na be\u017en\u00fdch a sporiacich \u00fa\u010dtoch str\u00e1caj\u00fa na hodnote. Rie\u0161en\u00edm je ich spr\u00e1vne investovanie.<\/div><h4>Ak\u00fd je rozdiel medzi sporen\u00edm a investovan\u00edm?<\/h4><div class=\"faq_inner\">Sporen\u00edm len hromad\u00edme peniaze ur\u010den\u00e9 k neskor\u0161iemu pou\u017eitiu bez toho, aby sa zhodnotili. Na druhej strane pri investovan\u00ed m\u00e1me mo\u017enos\u0165 svoj po\u010diato\u010dn\u00fd vklad zhodnoti\u0165.\u00a0<\/div><h4>Kde sa oplat\u00ed investova\u0165?<\/h4><div class=\"faq_inner\">Existuje nieko\u013eko druhov invest\u00edci\u00ed, do ktor\u00fdch je dobr\u00e9 investova\u0165 aspo\u0148 \u010das\u0165 svojho kapit\u00e1lu. Spr\u00e1vna odpove\u010f na to, ktor\u00e1 invest\u00edcia je najlep\u0161ia, neexistuje. V\u0161etko toti\u017e z\u00e1vis\u00ed od profilu investora, investi\u010dn\u00e9ho horizontu alebo rizika, ktor\u00e9 je ochotn\u00fd dan\u00fd investor podst\u00fapi\u0165.<\/div><h4>Kde investova\u0165 peniaze v roku 2024?<\/h4><div class=\"faq_inner\">Aktu\u00e1lne s\u00fa trendov\u00fdmi invest\u00edciami predov\u0161etk\u00fdm kryptomeny. Upozor\u0148ujeme v\u0161ak, \u017ee nie s\u00fa regulovan\u00e9 a podliehaj\u00fa vysokej volatilite. V jeden de\u0148 m\u00f4\u017ee v\u00e1\u0161 v\u00fdnos nar\u00e1s\u0165 o desiatky percent, ale na druh\u00fd de\u0148 m\u00f4\u017eete by\u0165 v rovnako hlbokej strate. Preto d\u00f4razne varujeme pred rizikom, ktor\u00e9 so sebou digit\u00e1lne peniaze prin\u00e1\u0161aj\u00fa. Investujte iba to\u013eko kapit\u00e1lu, ko\u013eko si m\u00f4\u017eete dovoli\u0165 strati\u0165.<\/div><h4>Kam investova\u0165 peniaze ke\u010f som \u0161tudent?<\/h4><div class=\"faq_inner\">Pokia\u013e ste \u0161tudent, je skvel\u00e9, \u017ee u\u017e teraz uva\u017eujete nad investovan\u00edm. Pre \u0161tudentov s\u00fa v s\u00fa\u010dasnosti ve\u013emi dostupn\u00e9 napr\u00edklad P2P p\u00f4\u017ei\u010dky, do ktor\u00fdch m\u00f4\u017eete investova\u0165 u\u017e od p\u00e1r eur.<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Ka\u017ed\u00fd rok je od t\u00fdch predch\u00e1dzaj\u00facich in\u00fdm, no rok je ur\u010dite \u0161pecifick\u00fdm. Na Slovensku, ako aj v \u010fal\u0161\u00edch krajin\u00e1ch sveta\u2026 <\/p>\n","protected":false},"author":87,"featured_media":14278,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[1108],"tags":[711],"_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/posts\/14275"}],"collection":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/comments?post=14275"}],"version-history":[{"count":47,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/posts\/14275\/revisions"}],"predecessor-version":[{"id":45257,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/posts\/14275\/revisions\/45257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media\/14278"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=14275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/categories?post=14275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/tags?post=14275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}