{"id":694,"date":"2020-03-31T12:50:55","date_gmt":"2020-03-31T10:50:55","guid":{"rendered":"https:\/\/disruptivne.com\/?page_id=694"},"modified":"2020-03-31T13:11:57","modified_gmt":"2020-03-31T11:11:57","slug":"ako-investovat-nestratit-peniaze-v-case-korony","status":"publish","type":"page","link":"https:\/\/disruptivne.com\/sk\/nase-riesenia\/investicie\/ako-investovat-nestratit-peniaze-v-case-korony\/","title":{"rendered":"Ako investova\u0165 \/ nestrati\u0165 peniaze v \u010dase Korony"},"content":{"rendered":"<h1><span style=\"font-weight: 400;\">Ako investova\u0165 \/ nestrati\u0165 peniaze v\u00a0\u010dase Korony<\/span><\/h1>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Tajn\u00fd recept od finan\u010dn\u00edka, ako nestrati\u0165, ale zhodnoti\u0165 svoje peniaze po\u010das s\u00fa\u010dasnej Korona kr\u00edzy<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">V\u010faka Korone klesol akciov\u00fd trh a prich\u00e1dza finan\u010dn\u00e1 kr\u00edza. N\u00e1\u0161 poh\u013ead, ako bude vyzera\u0165 a\u00a0ako nestrati\u0165 v\u0161etko, \u010do ste tak dlho tvorili. N\u00e1\u0161 predpoklad je, \u017ee sa bude v\u00fdrazne meni\u0165 finan\u010dn\u00fd syst\u00e9m. V\u00a0tomto \u010dl\u00e1nku aj nap\u00ed\u0161eme, ako sa bude meni\u0165. Tie\u017e nap\u00ed\u0161eme, ako peniaze zainvestova\u0165 aby boli v bezpe\u010d\u00ed v\u00a0\u010dase Korony.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><i><span style=\"font-weight: 400;\">Odpor\u00fa\u010dame si ulo\u017ei\u0165 link na tento \u010dl\u00e1nok, preto\u017ee tento \u010dl\u00e1nok je na Googli slab\u0161ie vyh\u013eadate\u013en\u00fd a nemus\u00edte ho vedie\u0165 znova n\u00e1js\u0165.<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">\u010co sa aktu\u00e1lne po\u010das tejto kr\u00edzy spojenej Korona v\u00edrusom deje?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Vid\u00edme, ako ka\u017ed\u00e1 vl\u00e1da schva\u013euje karant\u00e9nne opatrenia. Vid\u00edme, ako zdravotn\u00edcke syst\u00e9my v\u00a0mnoh\u00fdch krajin\u00e1ch kolabuj\u00fa. Zomieraj\u00fa \u013eudia. S\u00fa zatvoren\u00e9 v\u0161etky \u0161koly a\u00a0univerzity. S\u00fa zatvoren\u00e9 mnoh\u00e9 obchody \u010di prev\u00e1dzky. \u0164ah\u00fa\u0148 slovenskej ekonomiky \u2013 automobilky stoja. \u010co v\u00a0m\u00e9di\u00e1ch nie je, \u017ee mnoh\u00e9 podniky sa nach\u00e1dzaj\u00fa na pokraji \u0165ahu krachu. Preto klesaj\u00fa akcie, teda hodnota podnikov.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kr\u00edzu nesp\u00f4sobuje len v\u00edrus samotn\u00fd. Kr\u00edzu sp\u00f4sobuj\u00fa karant\u00e9nne opatrenia proti v\u00edrusu.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Predstavme si re\u0161taur\u00e1ciu, ktor\u00e1 musela by\u0165 kv\u00f4li karant\u00e9nnym opatreniam zatvoren\u00e1. Podniku vypadli v\u0161etky tr\u017eby, preto\u017ee s\u00fa zatvoren\u00ed. Ostali im n\u00e1klady \u2013 pravideln\u00fd mesa\u010dn\u00fd n\u00e1jom a \u013eudia na trval\u00fd pracovn\u00fd pomer, ktor\u00fdch musia plati\u0165. Prepustia zamestnancov na trval\u00fd pracovn\u00fd pomer, ke\u010f im musia zaplati\u0165 dvojmesa\u010dn\u00fa v\u00fdpovedn\u00fa dobu? \u010co ak ich prepustia teraz, o\u00a0dva mesiace u\u017e nebude karant\u00e9na a\u00a0nebude im ma\u0165 kto robi\u0165? Nikto nevie, ak\u00e1 dlh\u00e1 bude karant\u00e9na. \u013dud\u00ed bez v\u00fdpovednej doby, konkr\u00e9tne na dohodu a\u00a0\u017eivnos\u0165 u\u017e rad\u0161ej ihne\u010f prepustili.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tento pr\u00edbeh plat\u00ed nie len pre re\u0161taur\u00e1cie, ale aj obchody, hotely, s\u00fakromn\u00e9 \u0161koly, \u010di podniky so zastavenou v\u00fdrobou.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Kr\u00e1tka podnikov\u00e1 Korona matematika<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Firma je zatvoren\u00e1 a\u00a0nem\u00e1 tr\u017eby.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">M\u00e1me n\u00e1klady na priestory a\u00a0\u013eud\u00ed.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Prepust\u00edme ka\u017ed\u00e9ho, kto nem\u00e1 v\u00fdpovedn\u00fa dobu -&gt; Vznik\u00e1 nezamestnanos\u0165.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ostane n\u00e1m ka\u017ed\u00fd, kto m\u00e1 dlh\u00fa v\u00fdpovedn\u00fa dobu -&gt; Strata pe\u0148az\u00ed pre podnik.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ako mnoh\u00e9 podniky m\u00e1te obmedzen\u00e9 mno\u017estvo pe\u0148az\u00ed. Ak nebudeme ma\u0165 z\u00a0\u010doho plati\u0165, zadl\u017e\u00edte sa a zbankrotujete.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ako sa rozhodnete?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ste ochotn\u00ed preda\u0165 podnik v\u00a0zlej finan\u010dnej kond\u00edcii napr\u00edklad na akciovom trhu?<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Kr\u00e1tka Korona matematika be\u017en\u00e9ho \u010dloveka<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Boj\u00edm sa, \u017ee sa Koronou nakaz\u00edm aj ja<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak m\u00e1m \u0161\u0165astie, e\u0161te pracujem za norm\u00e1lny plat<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak som doma a m\u00e1m trval\u00fd pracovn\u00fd pomer, dost\u00e1vam 50-60% hrubej mzdy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak podnik\u00e1m alebo m\u00e1m dohodu, prepustili ma a nem\u00e1m pr\u00edjmy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nenakupujem ni\u010d okrem potrav\u00edn, drog\u00e9rie a\u00a0t\u00fdch najnutnej\u0161\u00edch vec\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nem\u00e1m chu\u0165 teraz nakupova\u0165 aut\u00e1, byty, mobily \u010di in\u00fa techniku<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160etr\u00edm a\u00a0nem\u00ed\u0148am.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Kr\u00e1tka \u0161t\u00e1tna Korona matematika<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ke\u010f s\u00fa podniky zatvoren\u00e9, nevyr\u00e1baj\u00fa a\u00a0nezaplatia da\u0148 do \u0161t\u00e1tneho rozpo\u010dtu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1t nem\u00f4\u017ee fungova\u0165 bez dan\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Skrachovan\u00e9 podniky nikomu nepom\u00f4\u017eu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">D\u00e1vky pre nezamestnan\u00fdch aj tak zaplat\u00ed \u0161t\u00e1t<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Potrebujeme zachra\u0148ova\u0165 ekonomiku\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Odkia\u013e zoberieme peniaze na z\u00e1chrann\u00e9 opatrenia?<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>\u010co sa aktu\u00e1lne deje: M\u00e9di\u00e1 vs. pravda pod povrchom<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Z\u00a0m\u00e9di\u00ed po\u010dujeme politikov, ako pripravuj\u00fa z\u00e1chrann\u00e9 opatrenia, ako bud\u00fa zabra\u0148ova\u0165 n\u00e1rastu chor\u00fdch a\u00a0m\u0155tvych, ako bud\u00fa zachra\u0148ova\u0165 ekonomiku, ako bud\u00fa poskytova\u0165 da\u0148ov\u00e9 \u00fa\u013eavy pre podniky aj \u017eivnostn\u00edkov. Mo\u017eno ste po\u010duli v\u00a0m\u00e9di\u00e1ch, ko\u013eko dan\u00e9 opatrenia bud\u00fa st\u00e1\u0165. Po\u010duli ste v\u00a0progn\u00f3zach, \u017ee v\u00fdrazne klesne HDP cel\u00e9ho \u0161t\u00e1tu. Po\u010duli ste v\u00a0m\u00e9di\u00e1ch, odkia\u013e na to \u0161t\u00e1t zoberie?\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ako funguje \u0161t\u00e1t<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0160t\u00e1t v\u00a0roku 2019 mal deficit \u0161t\u00e1tneho rozpo\u010dtu 2,2 miliardy EUR, teda 0,49% HDP. V\u00a0roku 2018 bol \u0161t\u00e1tny dlh 48,7%. V\u00a0roku 2019 (rok nato) bol \u0161t\u00e1tny dlh a\u017e 47,2%, teda o\u00a01,5% menej.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ako m\u00f4\u017ee fungova\u0165:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1t minul o\u00a00,49% HDP viac<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Jeho dlh klesol o\u00a01,5% HDP<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Kde s\u00fa tie ch\u00fdbaj\u00face peniaze?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Odpove\u010f je vo finan\u010dnom syst\u00e9me SR<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rast HDP za rok 2019 bol 2,3% ro\u010dne<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1tne dlhopisy Slovenska mali \u00farokov\u00fa mieru iba 0,2% ro\u010dne<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1t sa dok\u00e1\u017ee zadl\u017ei\u0165 ro\u010dne o\u00a02,1% ro\u010dne bez toho, aby sa zv\u00fd\u0161ila jeho miera dlhu vo\u010di HDP?<\/span><\/li>\n<\/ul>\n<p><b>Aby syst\u00e9m fungoval, potrebuje rast ekonomiky aj infl\u00e1ciu<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1t si po\u017ei\u010dia lacno na \u0161t\u00e1tnych dlhopisoch.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pravidelne ro\u010dne minie viac, ako zarob\u00ed.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Potrebuje, aby jeho ekonomika (HDP) r\u00e1stla<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preto Centr\u00e1lna banka vytla\u010d\u00ed viac pe\u0148az\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mno\u017estvo majetku v \u0161t\u00e1te rastie n\u00edzkym tempom (V\u0161etky vybudovan\u00e9 nehnute\u013enosti, priemysel, drah\u00fd tovar&#8230;)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vznik\u00e1 infl\u00e1cia \u2013 znehodnotenie pe\u0148az\u00ed, preto\u017ee za v\u00e4\u010d\u0161ie mno\u017estvo pe\u0148az\u00ed sa d\u00e1 k\u00fapi\u0165 rovnak\u00e9 mno\u017estvo tovaru<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Infl\u00e1cia je skryt\u00e9 zdanenie na \u013eud\u00ed v\u00a0prospech \u0161t\u00e1tu<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Ako Korona zmenila hru \u0161t\u00e1tov (USA, E\u00da)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Tento princ\u00edp plat\u00ed pre mnoh\u00e9 \u0161t\u00e1ty, vr\u00e1tane \u0161t\u00e1tov Eur\u00f3pskej \u00danie, aj USA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0160t\u00e1t potrebuje peniaze na z\u00e1chrann\u00e9 opatrenia. Naj\u013eah\u0161ie je si ich po\u017ei\u010da\u0165 tak, \u017ee centr\u00e1lna banka vytla\u010d\u00ed \u201ezo vzduchu\u201c viac pe\u0148az\u00ed (FED pre USA, ECB \u2013 Eur\u00f3pska Centr\u00e1lna Banka pre E\u00da). Za nov\u00e9 peniaze centr\u00e1lna banka k\u00fapi priamo nov\u00e9 \u0161t\u00e1tne dlhopisy.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Zv\u00fd\u0161i sa objem pe\u0148az\u00ed v\u00a0ekonomike<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1t bude ma\u0165 peniaze na z\u00e1chrann\u00e9 opatrenia<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tieto peniaze sa dostan\u00fa do podnikov a\u00a0medzi \u013eud\u00ed. V\u00e4\u010d\u0161ina \u013eud\u00ed aj tak bude kupova\u0165 len to najnutnej\u0161ie a\u00a0tie peniaze bud\u00fa sedie\u0165 na bankov\u00fdch \u00fa\u010dtoch alebo u\u00a0nich doma.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Infl\u00e1cia nast\u00e1va a\u017e vtedy, ke\u010f sa mno\u017estvo vytla\u010den\u00fdch pe\u0148az\u00ed dostane do obehu medzi be\u017en\u00fdch \u013eud\u00ed. Za\u010dne vtedy, ke\u010f sa odvolaj\u00fa karant\u00e9nne opatrenia a \u013eudia bud\u00fa op\u00e4\u0165 kupova\u0165. Bude \u201eve\u013ea pe\u0148az\u00ed\u201c pre \u201erovnak\u00e9\u201c mno\u017estvo tovarov.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Po odvolan\u00ed karant\u00e9nnych opatren\u00ed nastane infl\u00e1cia<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nevieme, ak\u00e1 bude miera infl\u00e1cie. M\u00f4\u017ee by\u0165 4%, ale pokojne aj 20%. \u0160t\u00e1t si po\u017ei\u010dal fixne v\u010faka \u0161t\u00e1tnym dlhopisom napr\u00edklad za 0,2% ro\u010dne. Ak bude infl\u00e1cia 20%, \u0161t\u00e1t zarob\u00ed a\u00a0zn\u00ed\u017ei svoj dlh o\u00a020%. Be\u017en\u00ed \u013eudia pr\u00eddu o\u00a0peniaze, preto\u017ee za svojich 100\u20ac si u\u017e k\u00fapia tovar len za 80\u20ac<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Na vysokej infl\u00e1cii \u0161t\u00e1t zarob\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">V\u010faka vysokej infl\u00e1cii pr\u00eddu be\u017en\u00ed \u013eudia o\u00a0\u00faspory a\u00a0majetok<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Syst\u00e9m s\u00a0ve\u013ea peniazmi v\u00a0ekonomike je nestabiln\u00fd. Euro aj dol\u00e1r sa m\u00f4\u017eu v\u00fdrazne znehodnoti\u0165. Preto o\u010dak\u00e1vame aj zmenu finan\u010dn\u00e9ho syst\u00e9mu a\u00a0nov\u00fa menu. Nov\u00e1 mena a\u00a0\u0161krtanie n\u00fal nie je nov\u00e1 vec a\u00a0\u010dasto sa pou\u017e\u00edvali na z\u00e1chranu \u0161t\u00e1tov.\u00a0<\/span><\/p>\n<p><b>Historick\u00e1 vsuvka &#8211; Ako \u0161t\u00e1ty historicky menili menu a\u00a0\u0161krtali nuly z\u00a0bankoviek<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Za sovietskeho Ruska 7x menili menu a\u00a0\u0161krtali nuly z\u00a0bankoviek. <\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/Soviet_ruble\"><span style=\"font-weight: 400;\">https:\/\/en.wikipedia.org\/wiki\/Soviet_ruble<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nemeck\u00e1 Weimarsk\u00e1 republika v rokoch 1921 a\u017e 1923 vytvorila hyperinfl\u00e1ciu a znehodnotila svoju menu a\u00a0tovar za 160 mariek v\u00a0roku 1921 mal hodnotu 200,000,000,000 (200 mili\u00e1rd) mariek v\u00a0roku 1923. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><a href=\"https:\/\/en.wikipedia.org\/wiki\/Hyperinflation_in_the_Weimar_Republic\"><span style=\"font-weight: 400;\">https:\/\/en.wikipedia.org\/wiki\/Hyperinflation_in_the_Weimar_Republic<\/span><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pr\u00edklady \u0161krtania n\u00fal v\u00a0modernej hist\u00f3rii<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rusko menilo menu v roku 1998 v\u00a0kurze 1RUB (nov\u00fd rube\u013e) = 1000 RUR (star\u00fd rube\u013e)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Po\u013esko menilo menu v\u00a0roku 1995 v\u00a0kurze 1PLN (nov\u00fd zloty) = 10000 PLZ(star\u00fd zloty)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Bielorusko menilo menu v\u00a0roku 2000 v\u00a0kurze 1 BYR = 1000 BYB a\u00a0nesk\u00f4r v\u00a0roku 2016 v\u00a0kurze 1BYN = 10000 BYR<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Braz\u00edlia menila menu v\u00a0roku 1994 v\u00a0kurze 1 URV (Real) = 1000 BRE\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h1><span style=\"font-weight: 400;\">Ako vhodne zainvestova\u0165 svoje peniaze po\u010das Korony<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Nie sme t\u00ed, ktor\u00ed bud\u00fa hovori\u0165, \u017ee \u201ecel\u00fd finan\u010dn\u00fd syst\u00e9m sa zr\u00fati\u201c a\u00a0preto \u201eo v\u0161etko pr\u00eddeme\u201c a je \u201ezbyto\u010dn\u00e9 vhodne zainvestova\u0165 svoje peniaze\u201c. Pre\u010do by som chcel strati\u0165 svoj majetok kv\u00f4li populistom? Z\u00a0hist\u00f3rie vieme, \u017ee zo zmeny finan\u010dn\u00e9ho syst\u00e9mu v\u017edy profitovali \u013eudia mocn\u00ed a\u00a0\u013eudia so spr\u00e1vnymi inform\u00e1ciami.\u00a0 Ak m\u00e1te spr\u00e1vne inform\u00e1cie, viete svoje peniaze vhodne zainvestova\u0165. Nap\u00ed\u0161eme aj ako.\u00a0<\/span><\/p>\n<p><b>Zhrnutie situ\u00e1cie:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Korona a\u00a0opatrenia proti nej ochromili ekonomiku. Ekonomika sa zastavila.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mnoh\u00ed \u013eudia maj\u00fa m\u00e1lo pe\u0148az\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mnoh\u00e9 podniky s\u00fa pri bankrote a\u00a0o\u010dak\u00e1vaj\u00fa \u0161t\u00e1tnu podporu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Akciov\u00fd trh bude klesa\u0165 kv\u00f4li podnikom v\u00a0zlej finan\u010dnej situ\u00e1cii<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1tu vypadli pr\u00edjmy z\u00a0dan\u00ed, ale potrebuje peniaze<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Naj\u013eah\u0161\u00ed sp\u00f4sob, ako sa dosta\u0165 k\u00a0peniazom, je vyda\u0165 nov\u00e9 dlhopisy, ktor\u00e9 za novo vytvoren\u00e9 peniaze \u201ezo vzduchu\u201c vytvor\u00ed centr\u00e1lna banka, konkr\u00e9tne FED a\u00a0ECB<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ve\u013ea pe\u0148az\u00ed v\u00a0ekonomike po odvolan\u00ed karant\u00e9nnych opatren\u00ed rozbehne vysok\u00fa infl\u00e1ciu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preto potrebujeme <\/span><b>ochr\u00e1ni\u0165 svoje peniaze proti vysokej infl\u00e1cii<\/b><\/li>\n<\/ul>\n<p><b>V\u00a0ak\u00fdch produktoch strat\u00edte v\u010faka vysokej infl\u00e1cii<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Peniaze v\u00a0hotovosti a\u00a0na bankov\u00fdch \u00fa\u010dtoch<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Term\u00ednovan\u00e9 vklady<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1tne a korpor\u00e1tne dlhopisy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dlhopisov\u00e9 fondy<\/span><\/li>\n<\/ul>\n<p><b>V\u00a0ak\u00fdch produktoch budete ma\u0165 ochr\u00e1nen\u00e9 peniaze vo\u010di infl\u00e1cii<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Akcie<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Akciov\u00e9 fondy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pou\u017e\u00edvan\u00e9 virtu\u00e1lne meny<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Zlato, striebro, komodity<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hnute\u013en\u00fd a\u00a0nehnute\u013en\u00fd majetok<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Obchodovanie na Forexe?<\/span><\/li>\n<\/ul>\n<p><b>Kto najviac z\u00edska na vysokej infl\u00e1cii<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160t\u00e1t, ktor\u00e9mu zmizne \u010das\u0165 dlhu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Zadl\u017een\u00ed \u013eudia, ktor\u00fdm nezdvihn\u00fa \u00farokov\u00fa mieru<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u013dudia s\u00a0hypot\u00e9kou, ktor\u00ed maj\u00fa e\u0161te aspo\u0148 2 roky fix na hypot\u00e9ke<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Podniky, ktor\u00e9 vydali korpor\u00e1tne dlhopisy a\u00a0ich dlhopisy sa znehodnotia<\/span><\/li>\n<\/ul>\n<p><b>Ako najviac zarobi\u0165 v\u00a0s\u00fa\u010dasnej Korona situ\u00e1cii<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nak\u00fapen\u00edm akci\u00ed v\u00a0spr\u00e1vny \u010das, teda ke\u010f s\u00fa najlacnej\u0161ie<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nak\u00fapen\u00edm n\u00edzko n\u00e1kladov\u00fdch akciov\u00fdch fondov (ETF)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">K\u00fapen\u00edm virtu\u00e1lnych mien, ktor\u00e9 nestratia hodnotu (treba sa virtu\u00e1lnym men\u00e1m venova\u0165)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>!!!Ako ve\u013emi zarob\u00edte z\u00e1le\u017e\u00ed od toho, ako ve\u013emi sa budete investovaniu venova\u0165!!!<\/b><\/p>\n<p><b>!!! Rozhodne neodpor\u00fa\u010dame bezhlavo nakupova\u0165 Kryptomeny. Bez znalost\u00ed o\u00a0nich je to ist\u00e1 strata!!!<\/b><\/p>\n<p><b>Ak nechcete investovaniu venova\u0165 ve\u013ea \u010dasu a\u00a0zhodnoti\u0165 svoje peniaze, odpor\u00fa\u010dame nak\u00fapi\u0165 akciov\u00e9 fondy pod\u013ea na\u0161ich odpor\u00fa\u010dan\u00ed ni\u017e\u0161ie.\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ako funguj\u00fa akciov\u00e9 trhy<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Peniaze v\u00a0akci\u00e1ch s\u00fa chr\u00e1nen\u00e9 proti infl\u00e1cii. \u010c\u00edm viac pe\u0148az\u00ed centr\u00e1lna banka (napr\u00edklad americk\u00fd FED alebo Eur\u00f3pska ECB) vytla\u010d\u00ed, t\u00fdm r\u00fdchlej\u0161ie bude st\u00fapa\u0165 hodnota akci\u00ed. V\u017edy \u010das\u0165 pe\u0148az\u00ed (Dol\u00e1re z\u00a0FEDu a Eur\u00e1 z ECB) sa zainvestuje v\u00a0akci\u00e1ch.\u00a0<\/span><\/p>\n<p><b>\u010c\u00edsla z USA a americk\u00fdch akci\u00ed<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pri americk\u00fdch akci\u00e1ch v\u00a0dlhodobom horizonte n\u00e1rast cien akci\u00ed zodpoved\u00e1 n\u00e1rastu MZM stock \u2013 pe\u0148az\u00ed v\u00a0ekonomike vytla\u010den\u00fdch FEDom. Graf n\u00e1rastu tohto mno\u017estva vid\u00edme v grafe ni\u017e\u0161ie.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FRED (skratka pre Federal Reserve Economic Data) je analytick\u00e1 platforma vytvoren\u00e1 FEDom na publikovanie d\u00e1t o ekonomike. Nach\u00e1dza sa tam aj mno\u017estvo MZM Money Stock (Money Zero Maturity), a to je skratka pre mno\u017estvo pe\u0148az\u00ed vytla\u010den\u00fdch FEDom<\/span><\/p>\n<p><img decoding=\"async\" class=\"attachment-266x266 aligncenter\" src=\"https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock.png\" sizes=\"(max-width: 266px) 100vw, 266px\" srcset=\"https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-200x67.png 200w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-300x100.png 300w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-400x134.png 400w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-600x201.png 600w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-768x257.png 768w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-800x267.png 800w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-1024x342.png 1024w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock-1200x401.png 1200w, https:\/\/disruptivne.com\/wp-content\/uploads\/2020\/03\/img01-MZM-stock.png 1469w\" alt=\"\" width=\"834\" height=\"279\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Link MZM stock: <\/span><a href=\"https:\/\/fred.stlouisfed.org\/series\/MZM\"><span style=\"font-weight: 400;\">https:\/\/fred.stlouisfed.org\/series\/MZM<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Porovnanie MZM stock a\u00a0najzn\u00e1mej\u0161ieho akciov\u00e9ho\u00a0Indexu S&amp;P 500<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">hodnoty<\/span><\/td>\n<td colspan=\"2\"><span style=\"font-weight: 400;\">n\u00e1sobok n\u00e1rastu<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">MZM stock<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">MZM stock<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P500<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1960<\/span><\/td>\n<td><span style=\"font-weight: 400;\">286<\/span><\/td>\n<td><span style=\"font-weight: 400;\">58,03<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 1,00\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 1,00\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1970<\/span><\/td>\n<td><span style=\"font-weight: 400;\">469<\/span><\/td>\n<td><span style=\"font-weight: 400;\">90,31<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 1,64\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 1,56\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1980<\/span><\/td>\n<td><span style=\"font-weight: 400;\">852<\/span><\/td>\n<td><span style=\"font-weight: 400;\">110,9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 2,98\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 1,91\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1990<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2135<\/span><\/td>\n<td><span style=\"font-weight: 400;\">339,97<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 \u00a0 7,47\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 \u00a0 5,86\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4380<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1425<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 15,31\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 24,56\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2010<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9491<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1123<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 33,19\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 19,35\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17123<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3234<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0 \u00a0 \u00a0 59,87\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\"> \u00a0 \u00a0 55,73\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Graf zjednodu\u0161en\u00fd (len desa\u0165ro\u010dia)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Graf ro\u010dn\u00fd<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Aktu\u00e1lne FED spustil nov\u00fa vlnu kvantitat\u00edvneho uvo\u013e\u0148ovania, teda tla\u010d\u00ed nov\u00e9 peniaze.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tabu\u013eka, MZM stock (ko\u013eko pe\u0148az\u00ed tla\u010d\u00ed FED)<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Rok<\/span><\/td>\n<td><span style=\"font-weight: 400;\">MZM Stock<\/span><\/td>\n<td><span style=\"font-weight: 400;\">n\u00e1rast o<\/span><\/td>\n<td><span style=\"font-weight: 400;\">n\u00e1rast v %<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2009<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9350,1<\/span><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2010<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9502,0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">151,9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1,62%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2011<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9732,1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">230,1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,42%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2012<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10695,2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">963,1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">9,90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">11610,0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">914,8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8,55%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2014<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12244,4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">634,4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,46%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12966,6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">722,2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,90%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2016<\/span><\/td>\n<td><span style=\"font-weight: 400;\">13740,0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">773,4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,96%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2017<\/span><\/td>\n<td><span style=\"font-weight: 400;\">14596,9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">856,9<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,24%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2018<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15256,5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">659,6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4,52%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2019<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15740,3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">483,8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3,17%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020-01-01<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17025,8<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1285,5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8,17%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2020-03-09<\/span><\/td>\n<td><span style=\"font-weight: 400;\">17400,3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">374,5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2,20%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ako sa vyv\u00edja situ\u00e1cia s\u00a0Koronou<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Dnes, 28.3.2020 e\u0161te st\u00e1le vid\u00edme, \u017ee po\u010det nakazen\u00fdch rastie exponenci\u00e1lne<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(V grafe ni\u017e\u0161ie vybran\u00fd regi\u00f3n EU, Eur\u00f3pske krajiny mimo E\u00da, USA a\u00a0Kanada, \u010c\u00edna). To podstatn\u00e9 z grafu je, \u017ee po\u010det nakazen\u00fdch aj na\u010falej rastie exponenci\u00e1lne &#8211; viac menej ka\u017ed\u00e1 \u010diara v grafoch smeruje hore)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mal\u00fd text v grafoch, ve\u013ea info na malom priestore, nikto to nebude sk\u00fama\u0165<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Zdroj: 6. strana reportu dostupn\u00e9ho na linku:\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/coronadatasource.org\/open-reports\/general\/cds-corona-covid-19-all-in-one-report\/\"><span style=\"font-weight: 400;\">https:\/\/coronadatasource.org\/open-reports\/general\/cds-corona-covid-19-all-in-one-report\/<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Vid\u00edme, \u017ee v\u00a0\u010c\u00edne po\u010det nakazen\u00fdch u\u017e nerastie (\u010cierna \u010diara). Naopak, po\u010det vylie\u010den\u00fdch rastie (Zelen\u00e1 \u010diara) a\u00a0po\u010det chor\u00fdch (Fialov\u00e1 \u010diara) sa bl\u00ed\u017ei k\u00a0nule.<\/span><\/p>\n<p><b>\u010c\u00edna m\u00e1 kr\u00edzu zatia\u013e zvl\u00e1dnut\u00fa (28.3.2020).<\/b><\/p>\n<p><b>V\u00a0USA po\u010det nakazen\u00fdch exponenci\u00e1lne rastie (28.3.2020)<\/b><\/p>\n<p><b>Eur\u00f3pska \u00fania je na tom tie\u017e biedne \u2013 po\u010det nakazen\u00fdch tie\u017e rastie (28.3.2020)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Obr\u00e1zky s\u00fa z\u00a07. strany reportu dostupn\u00e9ho na linku:\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/coronadatasource.org\/open-reports\/general\/cds-corona-covid-19-all-in-one-report\/\"><span style=\"font-weight: 400;\">https:\/\/coronadatasource.org\/open-reports\/general\/cds-corona-covid-19-all-in-one-report\/<\/span><\/a><\/p>\n<p><b>Mo\u017eno by st\u00e1lo ze to zmieni\u0165 sa, \u017ee v Eur\u00f3pe je zmutovan\u00fd v\u00edrus, tak\u017ee nebezpe\u010dnej\u0161\u00ed ako v \u010c\u00edne. ak uzn\u00e1\u0161, \u017ee je to relevatn\u00e9 do tohto kontextu<\/b><\/p>\n<p><b>Z\u00e1ver: Situ\u00e1cia oh\u013eadom Korony sa e\u0161te zhor\u0161uje a\u00a0e\u0161te neprepukla v\u00a0celej sile<\/b><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Pre\u010do som 27.2.2020 predal v\u0161etky akcie<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">(m\u00f4j osobn\u00fd pr\u00edbeh a a osobn\u00e9 rozhodnutia)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Obchodujem na burze cez brokera, priamo nakupujem akcie a akciov\u00e9 ETF fondy, som sk\u00f4r dlhodob\u00fd investor. Pozorne som sledoval udalosti oh\u013eadom Korony u\u017e od jej za\u010diatkov v \u010c\u00edne.\u00a0\u00a0<\/span><\/p>\n<p><b>Toto videli \u013eudia v be\u017en\u00fdch reportoch:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V \u010c\u00edne po\u010det aktu\u00e1lne nakazen\u00fdch u\u017e kles\u00e1. Finan\u010dn\u00edci hovorili: Super, je \u010das nakupova\u0165. Sme po kr\u00edze v tvare V. U\u017e sme na dne a nebud\u00fa \u010fal\u0161ie prepady.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Legenda:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Infected &#8211; po\u010det pr\u00edpadov\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deaths &#8211; po\u010det m\u0155tvych<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Sick &#8211; po\u010det aktu\u00e1lne chor\u00fdch<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cured &#8211; po\u010det vylie\u010den\u00fdch<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">!!! Ka\u017ed\u00fd graf m\u00e1 vlastn\u00fa \u010d\u00edseln\u00fa mierku v\u013eavo. Infected bolo 80.000, Deaths len 3.000 !!!<\/span><\/li>\n<\/ul>\n<p><b>Toto som videl ja: <\/b><span style=\"font-weight: 400;\">Vo v\u0161etk\u00fdch krajin\u00e1ch okrem \u010c\u00edny po\u010det nakazen\u00fdch rastie exponenci\u00e1lne. Koronu pren\u00e1\u0161aj\u00fa aj \u013eudia bez pr\u00edznakov. Pr\u00edpadov bude v \u0161t\u00e1toch omnoho viac, ako s\u00fa ofici\u00e1lne \u010d\u00edsla. M\u00f4j odhad: Korona bude glob\u00e1lna. \u010cakal som hromadn\u00fd prepad.\u00a0<\/span><\/p>\n<p><b>Predaj Akci\u00ed a fondov:\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Tento fond som naposledy prik\u00fapil za 71.38 Eur pred\u00e1val za 68.02 Eur. Bolo to \u0165a\u017ek\u00e9 rozhodnutie. Predal som ho so stratou 5%, pri\u010dom mnoho \u013eud\u00ed aj odborn\u00edkov radilo pr\u00e1ve nakupova\u0165 namiesto predaja. Verili kr\u00edzu v tvare V, lebo v \u010c\u00edne je u\u017e situ\u00e1cia pod kontrolou. Ja som to videl \u00faplne opa\u010dne.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Predal som aj komplet v\u0161etky akcie, \u010do som mal. Varovali ma akcie Shelky. Nak\u00fapil som ich za 27\u20ac, pred\u00e1val za 21 (s 22% stratou). In\u00e9 akcie, napr\u00edklad Akcie Microsoftu som predal so slab\u00fdm ziskom (K\u00fapil za 159 USD, predal za 168 USD, zisk 5,6%). Od toho d\u0148a, 27.2.2020, som u\u017e nevlastnil \u017eiadne akcie ani akciov\u00e9 fondy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>Ako dopadlo moje rozhodnutie?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Potvrdil sa predpoklad &#8211; Korona sa \u0161\u00edri glob\u00e1lne a rastie exponenci\u00e1lne v mnoh\u00fdch krajin\u00e1ch EU, USA aj inde vo svete (\u010d\u00edsla zo d\u0148a 27.3.2020).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Predal som za 27.2.2020 za 68.00. Dno bolo 23.3.2020 za 48.50. Dne\u0161n\u00e1 cena 55.94. V\u010faka tomu, \u017ee som si fond nenechal, ale predal ho sk\u00f4r, som nestratil zbyto\u010dne 17% sumy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Shell-ka bola najviac postihnut\u00e1 Koronou. Pred\u00e1val som 27.2.2020 za cenu 20.95 \u20ac. Dno mala 17.3.2020 za 11 \u20ac. Dnes m\u00e1 hodnotu 14.5 \u20ac. V\u010faka tomu, \u017ee som predal sk\u00f4r, som nestratil zbyto\u010dne \u010fal\u0161\u00edch 30% zo sumy).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010cak\u00e1m na vhodn\u00fa pr\u00edle\u017eitos\u0165 na op\u00e4tovn\u00fd n\u00e1kup. (Kedy\u00a0 odhadujem spr\u00e1vny \u010das na n\u00e1kup je v odhadoch ni\u017e\u0161ie)<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Kedy je spr\u00e1vny \u010das nak\u00fapi\u0165 akcie<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">E\u0161te nie je ten spr\u00e1vny \u010das zainvestova\u0165 do akci\u00ed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pre\u010do cena akci\u00ed m\u00f4\u017ee by\u0165 e\u0161te ni\u017e\u0161ia:<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Po\u010det infikovan\u00fdch bude e\u0161te prib\u00fada\u0165 (e\u0161te nie sme na vrchole)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Karant\u00e9nne opatrenia bud\u00fa pokra\u010dova\u0165<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mnoh\u00e9 podniky bud\u00fa na\u010falej zatvoren\u00e9<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Toto sp\u00f4sob\u00ed tlak na zn\u00ed\u017eenie ceny akci\u00ed<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Pre\u010do cena akci\u00ed m\u00f4\u017ee by\u0165 vy\u0161\u0161ia<\/span><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">V\u010faka z\u00e1chrann\u00fdm opatreniam \u0161t\u00e1tu bude viac pe\u0148az\u00ed v\u00a0ekonomike<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">V\u010faka z\u00e1chrann\u00fdm opatreniam kraj\u00edn bud\u00fa m\u00f4c\u0165 podniky \u010derpa\u0165 dot\u00e1cie, granty, da\u0148ov\u00e9 pr\u00e1zdniny a\u00a0bez\u00faro\u010dn\u00e9 p\u00f4\u017ei\u010dky. V\u010faka tomu st\u00fapne cena akci\u00ed podnikov<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Opatrenia nesk\u00f4r sp\u00f4sobia infl\u00e1ciu, teda zv\u00fd\u0161enie cien tovarov aj zv\u00fd\u0161enie cien akci\u00ed<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ak\u00fd v\u00fdvoj o\u010dak\u00e1vame my:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">K\u00fdm bude po\u010det infikovan\u00fdch r\u00e1s\u0165, trhy bud\u00fa r\u00e1s\u0165 minim\u00e1lne alebo klesa\u0165<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ke\u010f uvid\u00edme \u017ee tak\u00fdto graf, \u017ee po\u010det nakazen\u00fdch u\u017e nerastie, budeme nakupova\u0165 (zelen\u00e1 oblas\u0165)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak uvid\u00edme za\u010diatok v\u00fdraznej infl\u00e1cie, budeme nakupova\u0165 sk\u00f4r, preto\u017ee znehodnotenie pe\u0148az\u00ed bude v\u00e4\u010d\u0161ie ako pokles akci\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>N\u00e1\u0161 odhad je, \u017ee pr\u00edle\u017eitos\u0165 na n\u00e1kup akci\u00ed bude asi o\u00a0mesiac a\u017e tri mesiace<\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Podstatn\u00e9 je si vybra\u0165 spr\u00e1vneho obchodn\u00edka, aby ste na poplatkoch za n\u00e1kup akci\u00ed nezaplatili zbyto\u010dne ve\u013ea (rozobran\u00e9 v\u00a0\u010fal\u0161ej kapitole)<\/b><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ako sa vyhn\u00fa\u0165 chyb\u00e1m pri k\u00fape akci\u00ed<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><b>Tvrd\u00fd cit\u00e1t od Roberta Kiyosakiho, <\/b><span style=\"font-weight: 400;\">kniha Midasov Dotyk, 37. strana<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201eUvediem V\u00e1m zop\u00e1r pr\u00edkladov, ako lenivos\u0165 m\u00f4\u017ee prispie\u0165 k\u00a0tomu, \u017ee sa \u013eudia nechaj\u00fa oklama\u0165. Medzi tak\u00fdch naivn\u00fdch \u013eud\u00ed patria:<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\"><i><span style=\"font-weight: 400;\">Zamestnanci \u010do veria na istotu pr\u00e1ce<\/span><\/i><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Voli\u010di, ktor\u00ed volia politikov, \u010do s\u013eubuj\u00fa \u017ee pre nich urobia len to najlep\u0161ie<\/span><\/li>\n<\/ul>\n<ul>\n<li>Investori, ktor\u00ed d\u00f4veruj\u00fa svojim finan\u010dn\u00fdm poradcom a\u00a0nechaj\u00fa sa presved\u010di\u0165, aby dlhodobo investovali do akci\u00ed, oblig\u00e1ci\u00ed a\u00a0podielov\u00fdch fondov<\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u013dudia, ktor\u00ed sa nazd\u00e1vaj\u00fa, \u017ee dobr\u00e9 zn\u00e1mky v\u00a0\u0161kole im zaistia pracovn\u00fa istotu po zvy\u0161ok \u017eivota<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Z\u00fafalci, ktor\u00ed naletia reklamn\u00fdm ponuk\u00e1m typu: \u201eK\u00fapte si moju knihu a\u00a0sta\u0148te sa cez noc milion\u00e1rom\u201c alebo \u201eU\u017eite t\u00fato tabletku a\u00a0schudnite\u00a0 k\u00edl bez cvi\u010denia\u201c\u201c<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ako to vid\u00edm ja:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ako sa be\u017en\u00fd Slov\u00e1k nech\u00e1 oklama\u0165 a\u00a0nalet\u00ed povrchn\u00fdm re\u010diam finan\u010dn\u00fdch poradcov:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u201eK\u00fapte si dlhodob\u00e9 sporenie do akci\u00ed. Je to ist\u00fd zisk\u201c<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u201eToto investovanie nem\u00e1 \u017eiadne poplatky\u201c<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u201eNezarobili ste preto, \u017ee neinvestovali ste ve\u013emi dlho a\u00a0zru\u0161ili ste to pr\u00edli\u0161 skoro\u201c<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A\u00a0ke\u010f pr\u00edde kr\u00edza a\u00a0klient strat\u00ed peniaze, ako napr\u00edklad teraz, sprostredkovate\u013e mu nedvihne.\u00a0<\/span><\/li>\n<\/ul>\n<p><b>Be\u017en\u00fd \u010dlovek si slepo uzatvor\u00ed investi\u010dn\u00e9 sporenie, preto\u017ee ho o tom presved\u010d\u00ed poradca. Pri\u010dom poradca mu pred\u00e1 investi\u010dn\u00e9 sporenie s\u00a0ve\u013ek\u00fdmi poplatkami.\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Ot\u00e1zka pre V\u00e1s:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Je 5% vstupn\u00fd poplatok do fondu ve\u013ea alebo m\u00e1lo?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Je 2 a\u017e 3% za spr\u00e1vu pe\u0148az\u00ed fondu ve\u013ea \u010di m\u00e1lo?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Je poplatok 5% z\u00a0cie\u013eovej sumy ve\u013ea \u010di akur\u00e1t?<\/span><\/li>\n<\/ul>\n<p><b>Pr\u00edklad ako zhodnocuje peniaze vo fonde be\u017en\u00fd \u010dlovek a\u00a0ako investi\u010dn\u00fd odborn\u00edk<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><b>!!! Ak si mysl\u00edte, \u017ee 5% vstupn\u00fd poplatok a 2% poplatok za spr\u00e1vu je m\u00e1lo, pr\u00e1ve ste pri\u0161li takmer o polovicu svojho zhodnotenia!!!<\/b><\/p>\n<p><b>!!!Namiesto zisku 867\u20ac V\u00e1m kv\u00f4li va\u0161ej neznalosti ostane len 443\u20ac!!!<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pre\u010do sa pred\u00e1vali kedysi drah\u00e9 \u017eivotky? Pre\u010do sa teraz pred\u00e1va pravideln\u00e9 investovanie s\u00a0cie\u013eovou sumou s\u00a0vysok\u00fdmi poplatkami? Aby finan\u010dn\u00ed sprostredkovatelia mali slu\u0161n\u00e9 prov\u00edzie za to, \u017ee to predaj\u00fa. Za to, \u017ee to predaj\u00fa V\u00e1m. Dokonca sprostredkovatelia zaml\u010diavaj\u00fa alebo ani nevedia o\u00a0poplatkoch fondov. Tieto investi\u010dn\u00e9 sporenia pred\u00e1vaj\u00fa poradcovia bu\u010f zo svojej neznalosti \u010di naivity, alebo \u00famyselne preto, \u017ee chc\u00fa zarobi\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00e1m mnoho osobn\u00fdch sk\u00fasenost\u00ed, \u017ee finan\u010dn\u00ed sprostredkovatelia zav\u00e1dzali o\u00a0poplatkoch. Osobne ma zav\u00e1dzali napr\u00edklad: Sprostredkovatelia z\u00a0Partnersu a\u00a0ich Amundi portf\u00f3lio, sprostredkovatelia z\u00a0AXA, z\u00a0OVB, z\u00a0EIC, aj z\u00a0in\u00fdch pois\u0165ovn\u00ed aj b\u00e1nk.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u00e1te pr\u00e1vo vedie\u0165 poplatky. Toto Va\u0161e pr\u00e1vo je ukotven\u00e9 v\u00a0z\u00e1konoch E\u00da a\u00a0eur\u00f3pskej smernici MIFID II.\u00a0 M\u00e1te pr\u00e1vo sa s\u0165a\u017eova\u0165 na t\u00fdchto sprostredkovate\u013eov v\u00a0NBS &#8211; N\u00e1rodnej Banke Slovenska a\u00a0NBS m\u00e1 pr\u00e1vo na nich posla\u0165 kontrolu. K\u00fdm tu bud\u00fa na\u010falej tak\u00edto sprostredkovatelia, Slov\u00e1ci bud\u00fa zbyto\u010dne prich\u00e1dza\u0165 o\u00a0peniaze.\u00a0<\/span><\/p>\n<p><b>M\u00f4j poh\u013ead na invest\u00edcie z vy\u0161\u0161ej perspekt\u00edvy:\u00a0\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">U\u017e nem\u00e1m d\u00f4vod veri\u0165 sprostredkovate\u013eom a poradcom, ktor\u00ed s\u00fa platen\u00ed za to, \u017ee predaj\u00fa a uzavr\u00fa produkt bez oh\u013eadu na zisk pre klienta. M\u00f4j odhad je, \u017ee tak\u00fdchto poradcov je asi 95% zo v\u0161etk\u00fdch poradcov na Slovensku aj v \u010cesku (presne t\u00edto sa oz\u00fdvaj\u00fa aj v\u00e1m). Rad\u0161ej budem investova\u0165 cez brokera &#8211;\u00a0 obchodn\u00edka s cenn\u00fdmi papiermi, kde sa daj\u00fa priamo kupova\u0165 akcie a fondy realtime cez ich automatizovan\u00fd syst\u00e9m. T\u00edto brokeri chc\u00fa ma\u0165 klientov, ktor\u00ed zarobia, preto\u017ee tak\u00edto klienti urobia viac transakci\u00ed a \u010d\u00edm viac transakci\u00ed klienti uzatvoria, t\u00fdm m\u00e1 broker v\u00e4\u010d\u0161ie poplatky aj zisk. Preto pre brokera \u010d\u00edm viac klientov zarob\u00ed, t\u00fdm viac zarob\u00ed aj broker. Preto t\u00edto brokeri poskytuj\u00fa prvotriedne vzdelanie, aby \u010do najviac ich klientov zarobilo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ten, kto raz nak\u00fapi akcie na priamo cez automatizovan\u00fd syst\u00e9m brokera, u\u017e nikdy sa nevr\u00e1ti k sprostredkovate\u013eom typu Partners, AXA, Pioneer, Amundi a pod.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ako najlep\u0161ie nak\u00fapi\u0165 akcie a\u00a0akciov\u00e9 fondy<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Ako ide\u00e1lne investova\u0165 do akci\u00ed a\u00a0akciov\u00fdch fondov<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Neplati\u0165 \u017eiadny poplatok za otvorenie a \u201eaktivovanie\u201c \u00fa\u010dtu<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vybra\u0165 si fondy s\u00a0n\u00edzkym spr\u00e1vcovsk\u00fdm poplatkom (0,1 a\u017e 0,4% ro\u010dne) (zoznam ni\u017e\u0161ie)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vybra\u0165 si indexov\u00e9 ETF s\u00a0reinvestovanou dividendou, aby ste vyu\u017eili \u010dasov\u00fd test a nemuseli plati\u0165 19% da\u0148 zo zisku (zoznam fondov ni\u017e\u0161ie)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Vybra\u0165 si obchodn\u00edka s\u00a0elektronick\u00fdm automatizovan\u00fdm syst\u00e9mom na n\u00e1kup akci\u00ed a\u00a0fondov, cez ktor\u00e9ho budete obchodova\u0165 na burze cenn\u00fdch papierov (\u010falej len \u201cna burze\u201d).\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nak\u00fapi\u0165 tento ETF fond cez burzu, aby ste neplatili 5% vstupn\u00fd poplatok, ale len poplatok za transakciu (napr. 6\u20ac za n\u00e1kup \/ predaj fondu \u010di akcie)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nak\u00fapi\u0165 akcie a\u00a0fondy cez burzu, aby ste ich mohli nak\u00fapi\u0165 a preda\u0165 ihne\u010f real-time (Napr\u00edklad preda\u0165 u\u017e pri prvom n\u00e1znaku recesie, nak\u00fapi\u0165 pri najhlb\u0161om prepade trhov)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Nak\u00fapi\u0165 akcie a\u00a0fondy cez burzu, aby ste ich mohli v\u00a0pr\u00edpade osobnej potreby ihne\u010f preda\u0165, a\u00a0to bez sankci\u00ed a\u00a0poplatkov za poru\u0161enie mnohoro\u010dn\u00e9ho sporiaceho pl\u00e1nu.\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u00daplne odmietnu\u0165 mo\u017enosti pravideln\u00e9ho sporenia za mesa\u010dn\u00e9 pr\u00edspevky ni\u017e\u0161ie ako 200\u20ac, preto\u017ee vtedy zbyto\u010dne obetujete na poplatkoch rok svojho zhodnotenia. To znamen\u00e1, \u017ee pribli\u017ene 5% z celej va\u0161ej investovanej sumy vyhod\u00edte do vzduchu.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Rad\u0161ej investova\u0165 naraz v\u00e4\u010d\u0161iu sumu (min. 300\u20ac, najlep\u0161ie 500\u20ac a\u00a0viac naraz). Lep\u0161ie nak\u00fapi\u0165 raz za tri mesiace za 500\u20ac, ako pravidelne mesa\u010dne po 200. Zaplat\u00edte tak menej na poplatkoch.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Budete si u\u017e vybera\u0165 in\u00fd \u0161t\u00fdl finan\u010dn\u00edkov, ktor\u00ed poradia. Akon\u00e1hle budete nakupova\u0165 fondy priamo cez burzu cez automatizovan\u00fd syst\u00e9m brokera, ve\u013emi r\u00fdchlo zist\u00edte, \u017ee 95% v\u0161etk\u00fdch slovensk\u00fdch sprostredkovate\u013eov v\u00e1m nem\u00e1 ako poradi\u0165, preto\u017ee t\u00edto \u013eudia s\u00fa \u0161kolen\u00ed len na \u201cpredaj a vypisovanie investi\u010dn\u00fdch zml\u00fav\u201d. \u010casto nemaj\u00fa hlb\u0161ie znalosti o ETF fondoch, akci\u00e1ch a burze. T\u00edto sprostredkovatelia V\u00e1m nebud\u00fa ma\u0165 \u010do odovzda\u0165. Namiesto toho zist\u00edte, \u017ee je lep\u0161ie z\u00edska\u0165 \u010di zaplati\u0165 si rady investi\u010dn\u00e9ho odborn\u00edka, ktor\u00fd V\u00e1m osobne odborne porad\u00ed, ak\u00fd fond a akcie na burze nak\u00fapi\u0165, ak\u00e9 poplatky m\u00e1 fond, pre\u010do ho k\u00fapi\u0165, kedy ho k\u00fapi\u0165 a kedy preda\u0165.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pravidelne sa vzdel\u00e1va\u0165 o\u00a0peniazoch, \u00a0akci\u00e1ch a\u00a0finan\u010dnom trhu od \u0161pecialistov, ide\u00e1lne cez bezplatn\u00e9 \/ platen\u00e9 webin\u00e1re<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Najlep\u0161ie mo\u017enosti na Slovensku, ako zainvestova\u0165, v\u00a0s\u00fa\u010dasnosti pon\u00faka<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Interactive Brokers (Web)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Lynx (Link na web: <\/span><a href=\"https:\/\/www.lynxbroker.cz\/otevreni-uctu\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne\"><span style=\"font-weight: 400;\">https:\/\/www.lynxbroker.cz\/otevreni-uctu\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">XTB (Link na web: <\/span><a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=9811\"><span style=\"font-weight: 400;\">http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=9811<\/span><\/a><span style=\"font-weight: 400;\"> )<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Lynx a\u00a0XTB maj\u00fa najlep\u0161ie odborn\u00e9 online vzdel\u00e1vanie dostupn\u00e9 v sloven\u010dine a \u010de\u0161tine. <\/b><span style=\"font-weight: 400;\">Poskytuj\u00fa odborn\u00e9 rady ako obchodova\u0165, odhaduj\u00fa v\u00fdvoj trhu a ukazuj\u00fa, pod\u013ea ak\u00fdch princ\u00edpov sa trh spr\u00e1va. Pr\u00e1ve toto \u0161pecializovan\u00e9 vzdel\u00e1vanie V\u00e1m prinesie najviac hodnoty. Dostanete sa medzi \u013eud\u00ed, ktor\u00fdch invest\u00edcie zar\u00e1baj\u00fa aj o 40% ro\u010dne viac oproti be\u017en\u00e9mu Slovensk\u00e9mu priemeru. Kv\u00f4li vzdel\u00e1vaniu sa oplat\u00ed ma\u0165 \u00fa\u010dty u\u00a0oboch. Dobr\u00e1 rada kedy nak\u00fapi\u0165 a\u00a0preda\u0165 V\u00e1m vie zarobi\u0165 aj 10% navy\u0161e. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Kvalitn\u00e9 investi\u010dn\u00e9 vzdel\u00e1vanie je z\u00e1klad \u00faspechu.<\/b><\/p>\n<p><b>Interactive Brokers (IB) maj\u00fa najni\u017e\u0161ie poplatky, s\u00fa pre bohat\u0161\u00edch a s\u00fa len v\u00a0angli\u010dtine<\/b><span style=\"font-weight: 400;\">. Ich vzdel\u00e1vanie nie je dostupn\u00e9 v Sloven\u010dine.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Poplatky za vedenie \u00fa\u010dtu v Interactive Brokers (IB):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak m\u00e1te na \u00fa\u010dte aspo\u0148 100.000 USD, neplat\u00edte poplatky za vedenie \u00fa\u010dtu.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak m\u00e1te na \u00fa\u010dte aspo\u0148 nad 2000 USD, v\u017edy si IB strhne mesa\u010dne na poplatkoch aspo\u0148 10 USD. Pr\u00edklad: Ak budete ma\u0165 3 n\u00e1kupy fondov a\u00a0v\u00a0IB zaplat\u00edte 6 USD na poplatkoch, mesa\u010dne V\u00e1m strhn\u00fa e\u0161te 4 USD, ktor\u00e9 V\u00e1m ch\u00fdbaj\u00fa do minim\u00e1lnej mesa\u010dnej sumy 10 USD. Ak zaplat\u00edte mesa\u010dne na poplatkoch v\u00a0IB 20 USD, zaplatili ste na poplatkoch sumu nad 10 USD a\u00a0IB V\u00e1m u\u017e mesa\u010dn\u00fd poplatok nestrh\u00e1va.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak m\u00e1te na IB hodnotu men\u0161iu ako 2000 USD, minim\u00e1lny mesa\u010dn\u00fd poplatok u\u017e nie je 10 USD, ale 20 USD. IB skr\u00e1tka nie je pre mal\u00fdch klientov.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0160peci\u00e1lna v\u00fdnimka je, ak m\u00e1te 18 a\u017e 25 rokov (vr\u00e1tane). Vtedy m\u00e1te minim\u00e1lny poplatok za \u00fa\u010det zn\u00ed\u017een\u00fd z 10 USD iba na 3 USD a IB bude Va\u0161a prv\u00e1 vo\u013eba.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Top 3 obchodn\u00edci s\u00fa: <\/span><b>XTB, Lynx, IB<\/b><\/p>\n<p><span style=\"font-weight: 400;\">In\u00ed obchodn\u00edci s\u00fa u\u017e pr\u00edli\u0161 drah\u00ed alebo poskytuj\u00fa slab\u0161ie finan\u010dn\u00e9 vzdelanie<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Saxo Bank m\u00e1 pre be\u017en\u00e9 \u00fa\u010dty cenu za transakciu 10 \u20ac,\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Fio Banka m\u00e1 cenu za transakciu minim\u00e1lne 8 \u20ac \/ 10 \u20ac a neposkytuje vhodn\u00e9 finan\u010dn\u00e9 vzdel\u00e1vanie<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">eToro m\u00e1 agres\u00edvny marketing a skryt\u00e9 poplatky (vedeli ste o poplatku 25 \u20ac za v\u00fdber pe\u0148az\u00ed z eToro?)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cez Revolut sa daj\u00fa nak\u00fapi\u0165 len US akcie. Neposkytuje ETF. V bezplatnom \u00fa\u010dte s\u00fa len 3 transakcie mesa\u010dne. Je dostupn\u00fd len v mobile. Vhodn\u00fd na pokus, inak nevhodn\u00fd.<\/span><\/li>\n<\/ul>\n<p><b>\u010co je minim\u00e1lny vhodn\u00fd vklad: <\/b><span style=\"font-weight: 400;\">\u00a0Je to vklad aspo\u0148 500 \u20ac a u niektor\u00fdch 2000\u20ac, kedy nebudete zbyto\u010dne plati\u0165 ve\u013ek\u00e9 poplatky za spr\u00e1vu a transakcie. Neodpor\u00fa\u010dal by som za\u010da\u0165 investova\u0165 s men\u0161ou sumou ako 500\u20ac, aj ke\u010f to niektor\u00ed obchodn\u00edci umo\u017e\u0148uj\u00fa (napr. Fio).\u00a0<\/span><\/p>\n<p><b>Zmena minim\u00e1lneho vkladu v Lynx z 2000 na 4000\u20ac:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Lynx kv\u00f4li zv\u00fd\u0161en\u00e9mu z\u00e1ujmu klientov o vytvorenie nov\u00fdch \u00fa\u010dtov do\u010dasne zv\u00fd\u0161il limit na zalo\u017eenie \u00fa\u010dtu z 2000 na 4000\u20ac.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Kr\u00e1tky preh\u013ead poplatkov:<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><span style=\"font-weight: 400;\">Poplatok za\u00a0 transakciu v EUR (N\u00e1kup\u00a0 akci\u00ed a ETF v EUR)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Poplatok za transakciu v USD (N\u00e1kup US akci\u00ed a ETF v USD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Poplatok za konverziu meny (Napr EUR na USD)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">In\u00e9 poplatky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Minim\u00e1lny vhodn\u00fd vklad<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vzdel\u00e1vanie<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Obchoduj\u00fa s\u00a0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interactive Brokers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">obvykle pod 2\u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">obvykle pod 2 USD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 USD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">minim\u00e1lny mesa\u010dn\u00fd poplatok za \u00fa\u010det 10 USD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">iba v angli\u010dtine<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Akcie, ETF, Forex<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Lynx<\/span><\/td>\n<td><span style=\"font-weight: 400;\">min 6 \u20ac, 0,12%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">min 5 USD, 0,12%\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5 USD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">bez mesa\u010d. poplatku<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Top v SK a CZ<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Akcie, ETF, Forex<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">XTB<\/span><\/td>\n<td><span style=\"font-weight: 400;\">min 10 \u20ac, 0,12%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">min 10 \u20ac, 0,12%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,5% zo sumy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">bez mesa\u010d. poplatku<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Top v SK a CZ<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Akcie, ETF, Forex<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Saxo Bank<\/span><\/td>\n<td><span style=\"font-weight: 400;\">min 10 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">min 10 \u20ac<\/span><\/td>\n<td><\/td>\n<td><span style=\"font-weight: 400;\">bez mesa\u010d. poplatku<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2000 \u20ac<\/span><\/td>\n<td><\/td>\n<td><span style=\"font-weight: 400;\">Akcie, ETF, Forex<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">FIO banka<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">pod\u013ea kurzu banky<\/span><\/td>\n<td><span style=\"font-weight: 400;\">bez mesa\u010d. poplatku<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">bez vzdel\u00e1vania<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Akcie, ETF, \u0160pecialisti na \u010desk\u00e9 akcie<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Etoro<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,09%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,09%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,5% zo sumy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">25\u20ac za v\u00fdber z eToro. + Inactivity fee\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">len v angli\u010dtine,\u00a0 nevhodn\u00e9 pre SK a CZ<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Akcie, ETF, Forex<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Revolut<\/span><\/td>\n<td><span style=\"font-weight: 400;\">neposkytuje<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 EUR, max 3 transakcie mesa\u010dne<\/span><\/td>\n<td><span style=\"font-weight: 400;\">pod\u013ea kurzu revolut<\/span><\/td>\n<td><span style=\"font-weight: 400;\">limitovan\u00e1 mo\u017enos\u0165 be\u017en\u00e9ho \u00fa\u010dtu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">bez minim\u00e1lnej sumy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">bez vzdel\u00e1vania<\/span><\/td>\n<td><span style=\"font-weight: 400;\">iba US akcie<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><b>Pod\u013ea \u010doho si vybra\u0165 obchodn\u00edka<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak si chcete ETF akciov\u00e9 fondy iba jednorazovo nak\u00fapi\u0165, raz za \u010das za v\u00e4\u010d\u0161iu cenu prikupova\u0165, ale nechcete sa investovaniu venova\u0165 a\u00a0na investovanie m\u00e1te aspo\u0148 2000\u20ac, vyberte si LYNX<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak si si ETF akciov\u00e9 fondy iba \u201evysk\u00fa\u0161a\u0165\u201c a jednorazovo nak\u00fapi\u0165 a na investovanie m\u00e1te iba 500\u20ac, vyberte si XTB.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak V\u00e1s zauj\u00edma obchodovanie na Forexe, obchodovanie s\u00a0komoditami (Zlato, Striebro, Platina) a\u00a0obchodovanie s\u00a0indexami, jednozna\u010dne si vyberte XTB (S\u00fa najlep\u0161\u00ed v\u00a0SK a\u00a0CZ aj vzdel\u00e1van\u00edm aj poplatkami)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak chcete jednorazovo nak\u00fapi\u0165 a\u00a0dr\u017ea\u0165 priamo akcie spolo\u010dnost\u00ed spolu v\u00a0ni\u017e\u0161ej sume, odpor\u00fa\u010dame k\u00fapi\u0165 Eur\u00f3pske akcie v\u00a0EUR cez LYNX,\u00a0americk\u00e9 akcie cez Lynx alebo XTB a\u00a0zahrani\u010dn\u00e9 akcie z\u00a0men\u00e1ch mimo EUR a USD (napr. Rusk\u00e9, \u010c\u00ednske, Po\u013esk\u00e9, \u010cesk\u00e9 akcie) k\u00fapi\u0165 cez XTB.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak chcete investova\u0165 v\u00e4\u010d\u0161iu sumu (v tis\u00edcoch eur), chcete pravidelne dokupova\u0165 mesa\u010dne aspo\u0148 za 500\u20ac a\u00a0spo\u010d\u00edtali ste si, \u017ee pravidelne na poplatkoch by ste cez Lynx a\u00a0XTB zaplatili viac ako 10 USD mesa\u010dne, obchodujte cez IB.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak m\u00e1te od 18 do 25 rokov, m\u00f4\u017eete vyu\u017ei\u0165 ni\u017e\u0161\u00ed poplatok v IB za vedenie \u00fa\u010dtu len 3 USD a preto ur\u010dite odpor\u00fa\u010dam obchodova\u0165 cez IB.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak V\u00e1s zauj\u00edma profesion\u00e1lne obchodovanie s\u00a0akciami a\u00a0ETF, ur\u010dite sa V\u00e1m oplat\u00ed obchodova\u0165 cez Interactive Brokers (IB), ale z\u00e1rove\u0148 sa V\u00e1m oplat\u00ed ma\u0165 dostupn\u00e9 to najlep\u0161ie vzdel\u00e1vanie od XTB a\u00a0LYNX. Teda v\u00a0IB budete obchodova\u0165 v\u00a0tis\u00edcoch eur, v\u00a0XTB budete ma\u0165 jednu invest\u00edciu a\u00a0vklad 500\u20ac a\u00a0v\u00a0LYNX budete ma\u0165 zainvestovan\u00e9 2000\u20ac.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Priniesli sme V\u00e1m dos\u0165 hodnoty?\u00a0<\/b><\/p>\n<p><b>Budeme ve\u013emi radi ak n\u00e1s podpor\u00edte. T\u00fdm, \u017ee si zalo\u017e\u00edte \u00fa\u010det v\u00a0XTB, Lynx alebo IB cez na\u0161e odkazy, vy nezaplat\u00edte za otvorenie \u00fa\u010dtu \u017eiadne poplatky navy\u0161e, ale my z\u00edskame mal\u00fa marketingov\u00fa (affiliate) prov\u00edziu a\u00a0v\u010faka ktorej vieme tvori\u0165 lep\u0161ie \u010dl\u00e1nky a\u00a0pon\u00faknu\u0165 V\u00e1m ich zadarmo.\u00a0\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Link na otvorenie \u00fa\u010dtu v\u00a0XTB<\/span><\/p>\n<p><a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=8855\"><span style=\"font-weight: 400;\">http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=8855<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Link na otvorenie \u00fa\u010dtu v\u00a0Interactive Brokers<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Link na otvorenie \u00fa\u010dtu v Lynx<\/span><\/p>\n<p><a href=\"https:\/\/www.lynxbroker.cz\/otevreni-uctu\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne\"><span style=\"font-weight: 400;\">https:\/\/www.lynxbroker.cz\/otevreni-uctu\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">\u010co je \u010dasov\u00fd test a ako u\u0161etri\u0165 19% na dani z pr\u00edjmov<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u010casov\u00fd test je \u0161peci\u00e1lna v\u00fdnimka v SK a CZ pre fyzick\u00e9 osoby t\u00fdkaj\u00faca sa dr\u017eania cenn\u00fdch papierov. Ak sa V\u00e1m cenn\u00e9 papiere zhodnotia a z\u00e1rove\u0148 tieto cenn\u00e9 papiere budete dr\u017ea\u0165 v SK aspo\u0148 rok a v CZ aspo\u0148 pol roka, neplat\u00edte z ich zhodnotenia 19% da\u0148 z pr\u00edjmov fyzick\u00fdch os\u00f4b.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u010casov\u00fd test sa t\u00fdka naj\u010dastej\u0161ie t\u00fdchto cenn\u00fdch papierov<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Akcie spolo\u010dnost\u00ed (napr\u00edklad k\u00fapen\u00fdch cez burzu)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ETF fondy obchodovan\u00e9 na burze<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ZeroBondy &#8211; Dlhopisy bez pravidelne vypl\u00e1can\u00e9ho kup\u00f3nu<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u010casov\u00fd test sa neuplat\u0148uje pri<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">N\u00e1kupe be\u017en\u00fdch fondov cez banky, pois\u0165ovne a in\u00fdch sprostredkovate\u013eov<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">N\u00e1kupe dlhopisov s kup\u00f3nom (v\u00fdnos vypl\u00e1can\u00fd pravidelne)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">K\u00fape akci\u00ed, ETF a dlhopisov na s.r.o. alebo in\u00fa pr\u00e1vnick\u00fa osobu.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ak pred\u00e1te cenn\u00e9 papiere sk\u00f4r ako za rok (Slovensk\u00e9 z\u00e1kony)<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">m\u00f4\u017eete vyu\u017ei\u0165\u00a0 oslobodenie od dane vo v\u00fd\u0161ke max 500\u20ac spolu za v\u0161etky cenn\u00e9 papiere<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ak v\u00e1\u0161 zisk je 499 \u20ac, neplat\u00edte da\u0148.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ak je v\u00e1\u0161 zisk 1000\u20ac, 500\u20ac z tej sumy je osloboden\u00fdch. Zvy\u0161n\u00fdch 500 je zdanen\u00fdch 19% da\u0148 z FO a 14% zdravotn\u00e9 odvody, spolu mierou 30,3% \u00a0 (ostane V\u00e1m 0,81 * 0,86 = 69,7%)\u00a0\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">link na zda\u0148ovanie: <\/span><a href=\"https:\/\/podpora.financnasprava.sk\/798719-Oslobodenie-pr%C3%ADjmov-z-predaja-cenn%C3%BDch-papierov\"><span style=\"font-weight: 400;\">https:\/\/podpora.financnasprava.sk\/798719-Oslobodenie-pr%C3%ADjmov-z-predaja-cenn%C3%BDch-papierov<\/span><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Pr\u00edklad:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Akciu Microsoftu som nak\u00fapil za 100 \u20ac, predal za 150 \u20ac.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak ju m\u00e1m menej ako rok, viem vy\u017ei\u0165 oslobodenie od dane vo v\u00fd\u0161ke max. 500\u20ac a dostanem pln\u00fdch 50\u20ac. Ak ich budem musie\u0165 zdani\u0165, zaplat\u00edm da\u0148 19% aj 14% zdravotn\u00e9 odvody a ostane mi iba 34,83\u20ac.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak ju m\u00e1m dlh\u0161ie ako rok, vy\u017e\u00edvam \u010dasov\u00fd test, neplat\u00edm da\u0148 19%, teda zarob\u00edm cel\u00fdch 50\u20ac<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Fond ETF obchodovan\u00fd na burze som nak\u00fapil za 100 \u20ac, predal za 150 \u20ac.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak ju m\u00e1m menej ako rok, viem vy\u017ei\u0165 oslobodenie od dane vo v\u00fd\u0161ke max. 500\u20ac a dostanem pln\u00fdch 50\u20ac. Ak ich budem musie\u0165 zdani\u0165, zaplat\u00edm da\u0148 19% aj 14% zdravotn\u00e9 odvody a ostane mi iba 34,83\u20ac.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ak ho m\u00e1m dlh\u0161ie ako rok, vy\u017e\u00edvam \u010dasov\u00fd test, neplat\u00edm da\u0148 19%, teda zarob\u00edm cel\u00fdch 50\u20ac<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u010casov\u00fd test je jedna z najlep\u0161\u00edch mo\u017enost\u00ed ako lep\u0161ie zhodnoti\u0165 svoje prostriedky.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">(Ot\u00e1zka pre \u010ditate\u013eov: Necha\u0165 to tam?)<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Stalo sa V\u00e1m, \u017ee sprostredkovate\u013e V\u00e1m o \u010dasovom teste nepovedal alebo o \u0148om ani nevie? Toto ukazuje na neznalos\u0165 V\u00e1\u0161ho sprostredkovate\u013ea a na ni\u017e\u0161iu kvalitu jeho firmy. Ak si cez tak\u00e9hoto poradcu uzatvor\u00edte produkt, zbyto\u010dne zo svojho zhodnotenia zaplat\u00edte na dani 19% z va\u0161ich pe\u0148az\u00ed.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ak\u00e9 s\u00fa typy fondov a ako s\u00fa zda\u0148ovan\u00e9<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Pozn\u00e1me tri z\u00e1kladn\u00e9 typy fondov:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">klasick\u00e9 fondy dostupn\u00e9 cez banky, pois\u0165ovne a cez sprostredkovate\u013eov (Napr. Partners, EIC, Amundi, AXA\u2026)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ETF fondy s vypl\u00e1canou dividendou (obchodovan\u00e9 na burze)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ETF fondy s akumulovanou dividendou (obchodovan\u00e9 na burze)<\/span><\/li>\n<\/ul>\n<p><b>Klasick\u00e9 fondy<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">dostupn\u00e9 cez banky \/ pois\u0165ovne \/ sprostredkovate\u013eov<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0161tandardn\u00fd vstupn\u00fd poplatok 3 a\u017e 5%, strhnut\u00fd z ka\u017edej novej platby<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u0161tandardn\u00fd poplatok sa spr\u00e1vu (mana\u017e\u00e9rsky \/ spr\u00e1vcovsk\u00fd) poplatok 2 a\u017e 4% strh\u00e1van\u00fd ka\u017edoro\u010dne z cel\u00e9ho objemu pe\u0148az\u00ed vo fonde (z celej va\u0161ej zainvestovanej sumy)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">na tieto fondy sa nikdy nevz\u0165ahuje \u010dasov\u00fd test<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pri zru\u0161en\u00ed fondu a v\u00fdbere pe\u0148az\u00ed zaplat\u00edte zo zhodnotenia 19% da\u0148 z pr\u00edjmov Fyzick\u00fdch os\u00f4b (alebo in\u00e9 percento ak ste pr\u00e1vnick\u00e1 osoba), bez oh\u013eadu na to, ako dlho fond vlastn\u00edte.\u00a0<\/span><\/li>\n<\/ul>\n<p><b>ETF fondy s vypl\u00e1canou dividendou<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">naj\u010dastej\u0161ie je to akciov\u00fd indexov\u00fd fond, ktor\u00fd vlastn\u00ed akcie jednotliv\u00fdch spolo\u010dnost\u00ed<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">kupuje sa cez burzu cenn\u00fdch papierov<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">najlacnej\u0161ie ho viete nak\u00fapi\u0165 cez brokera s automatizovan\u00fdm syst\u00e9mom a n\u00edzkymi poplatkami<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">nem\u00e1 vstupn\u00fd poplatok<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">namiesto toho zaplat\u00edte poplatok za transakciu (jednorazov\u00fd poplatok za n\u00e1kup \/ predaj fondu &#8211; be\u017ene od 6 do 10 \u20ac)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">poplatok za spr\u00e1vu m\u00e1 od 0,03% a\u017e po 0,40% ro\u010dne<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">dost\u00e1vate \u201cdividendu\u201d z fondu (je to v\u00e1\u0161 podiel z dividend akci\u00ed podnikov, ktor\u00e9 vlastn\u00ed fond)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">fond m\u00e1 ozna\u010denie v n\u00e1zve Dist (Distributing)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">dividendy z ETF maj\u00fa pod\u013ea z\u00e1konov SR problematick\u00e9 zda\u0148ovanie (a\u017e do 30% z dividendy by ste mali zaplati\u0165 \u0161t\u00e1tu &#8211; rozobrat\u00e9 ni\u017e\u0161ie)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">aj pri k\u00fape a zhodnoten\u00ed tohto fondu viete vyu\u017ei\u0165 \u010dasov\u00fd test, av\u0161ak problematick\u00e9 zda\u0148ovanie dividend prekon\u00e1va v\u00fdhody \u010dasov\u00e9ho testu.<\/span><\/li>\n<\/ul>\n<p><b>ETF fondy s akumulovanou dividendou<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Ve\u013emi podobn\u00fd fond ako ETF fond s dividendou spomenut\u00fd vy\u0161\u0161ie s rozdielmi:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">tento fond nevypl\u00e1ca dividendu z akci\u00ed vlastn\u00edkom fondu, ale namiesto toho k\u00fapi nov\u00e9 akcie podnikov. Preto tento fond sa zhodnocuje viac ako fond s vypl\u00e1canou dividendou<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">m\u00e1 ozna\u010denie v n\u00e1zve Acc (Accumulating)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">m\u00e1 vy\u0161\u0161\u00ed spr\u00e1vcovsk\u00fd poplatok od 0,20% po 0,60% ro\u010dne.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">nerie\u0161ite pri \u0148om dividendy, teda m\u00e1te v\u00fdrazne jednoduch\u0161ie da\u0148ov\u00e9 priznanie<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">plne pri \u0148om vyu\u017e\u00edvate \u010dasov\u00fd test\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Probl\u00e9m da\u0148ov\u00fdch z\u00e1konov SR &#8211; da\u0148 z dividend z ETF fondov<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">da\u0148ov\u00e9 z\u00e1kony na SR nepoznaj\u00fa osobitne \u201cETF fond s dividendou\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">tak\u00fdto fond zara\u010fuj\u00fa medzi \u201costatn\u00e9 cenn\u00e9 papiere\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">dividendu z ETF by ste mali zdani\u0165 ako \u201costatn\u00fd pr\u00edjem z cenn\u00fdch papierov\u201d, teda sadzbou 19% a\u017e 25% da\u0148 z Fyzick\u00fdch os\u00f4b a ku tomu zaplati\u0165 e\u0161te 14% zdravotn\u00e9 odvody. Spolu V\u00e1m z dividendy ostane 0,81 * 0,86 = 69,7%, pri\u010dom zaplat\u00edte spolu da\u0148 a odvody a\u017e 30,3%. Tieto pr\u00edjmy m\u00e1te prizna\u0165 v da\u0148ovom priznan\u00ed.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">niektor\u00e9 \u00fa\u010dtovn\u00e9 firmy dividendu zda\u0148uj\u00fa \u201clacnej\u0161ie\u201d, teda bu\u010f sadzbou z dividend 7% ako pri akci\u00e1ch, alebo sadzbou 19% ako pri in\u00fdch fondoch. Tak\u00e9to zda\u0148ovanie pod\u013ea z\u00e1konov SK pod\u013ea mojich dostupn\u00fdch inform\u00e1ci\u00ed nie je spr\u00e1vne.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">neplatenie dan\u00ed je trestn\u00fdm \u010dinom. Ak tieto pr\u00edjmy zaml\u010d\u00edte, s\u00fa ako \u010dasovan\u00e1 bomba a daj\u00fa sa dok\u00e1za\u0165 sp\u00e4tne a\u017e 10 rokov dozadu.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Porovnanie zainvestovan\u00fdch 1000\u20ac v klasick\u00fdch fondoch a ETF<\/b><\/p>\n<p><b>Potrebujem to prer\u00e1ta\u0165!!! S\u00fa tam chyby.<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>typ fondu<\/b><\/td>\n<td><b>Klasick\u00fd fond<\/b><\/td>\n<td><b>ETF s vypl\u00e1canou dividendou<\/b><\/td>\n<td><b>ETF s akumulovanou dividendou<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>n\u00e1zov<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Amundi Funds &#8211; US Pioneer Fund A EUR (C)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Vanguard S&amp;P 500 ETF<\/span><\/td>\n<td><span style=\"font-weight: 400;\">iShares S&amp;P 500 EUR Hedged UCITS ETF (Acc)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>dostupn\u00fd cez<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Partners<\/span><\/td>\n<td><span style=\"font-weight: 400;\">burzu a obchodn\u00edkov na burze (napr. XTB \/ Lynx)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">burzu a obchodn\u00edkov na burze (napr. XTB \/ Lynx)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>investuje pod\u013ea<\/b><\/td>\n<td><span style=\"font-weight: 400;\">index S&amp;P 500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">index S&amp;P 500<\/span><\/td>\n<td><span style=\"font-weight: 400;\">index S&amp;P 500<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>poplatok za n\u00e1kup<\/b><\/td>\n<td><span style=\"font-weight: 400;\">4,5% z ka\u017edej investovanej sumy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6\u20ac (Lynx) a\u017e 10\u20ac (XTB) za transakciu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6\u20ac (Lynx) a\u017e 10\u20ac (XTB) za transakciu<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>poplatok sa spr\u00e1vu<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1,75% ro\u010dne\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,03% ro\u010dne<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,20% ro\u010dne<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>poplatok za predaj<\/b><\/td>\n<td><span style=\"font-weight: 400;\">0%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6\u20ac za transakciu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6\u20ac za transakciu<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Zda\u0148ovanie pre FO<\/b><\/td>\n<td><span style=\"font-weight: 400;\">19% zo zisku<\/span><\/td>\n<td><span style=\"font-weight: 400;\">pri dodr\u017ean\u00ed \u010dasov\u00e9ho testu zda\u0148ovan\u00e9 len dividendy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">pri dodr\u017ean\u00ed \u010dasov\u00e9ho testu osloboden\u00e9 od dane<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Link na fond:\u00a0<\/b><\/td>\n<td><a href=\"https:\/\/openiazoch.zoznam.sk\/podielove-fondy\/amundi-funds-us-pioneer-fund-a-eur-c\/profil\/ofxxxafupfae\"><span style=\"font-weight: 400;\">https:\/\/openiazoch.zoznam.sk\/podielove-fondy\/amundi-funds-us-pioneer-fund-a-eur-c\/profil\/ofxxxafupfae<\/span><\/a><\/td>\n<td><a href=\"https:\/\/investor.vanguard.com\/etf\/profile\/performance\/voo\"><span style=\"font-weight: 400;\">https:\/\/investor.vanguard.com\/etf\/profile\/performance\/voo<\/span><\/a><\/td>\n<td><a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251903\/ishares-sp-500-eur-hedged-ucits-etf#\/\"><span style=\"font-weight: 400;\">https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251903\/ishares-sp-500-eur-hedged-ucits-etf#\/<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><b>Po\u010diato\u010dn\u00fd vklad 1000\u20ac d\u0148a 30.9.2020<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1 000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 000 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 000 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Hodnota fondu k 30.3.2020\u00a0<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1 109,61 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 268,72 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 312,70 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Zhodnotenie fondu spolu za 10 rokov<\/b><\/td>\n<td><span style=\"font-weight: 400;\">16,19%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">126,87%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">131,27%<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Zhodnotenie fondu ro\u010dn\u00e9<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1,62%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12,69%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">13,13%<\/span><\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td><b>Ko\u013eko skuto\u010dne zaplat\u00edte \/ dostanete<\/b><\/td>\n<td><span style=\"font-weight: 400;\">vlo\u017e\u00edte 1000\u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">vlo\u017e\u00edte 1000\u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">vlo\u017e\u00edte 1000\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Vstupn\u00e9 poplatky<\/b><\/td>\n<td><span style=\"font-weight: 400;\">45 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 a\u017e 10\u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 a\u017e 10\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Skuto\u010dn\u00e1 zainvestovan\u00e1 suma<\/b><\/td>\n<td><span style=\"font-weight: 400;\">955 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">990 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">990 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>skryt\u00e9 poplatky za spr\u00e1vu fondu<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1,75% ro\u010dne z celej investovanej sumy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,03% ro\u010dne z celej investovanej sumy<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,20% ro\u010dne z celej investovanej sumy<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Poplatok za predaj<\/b><\/td>\n<td><span style=\"font-weight: 400;\">0 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 a\u017e 10\u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6 a\u017e 10\u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Za 10 rokov dostanete<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1 064,61 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2246,03 \u20ac\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">plus dividendy pribli\u017ene 270\u20ac (1,9% ro\u010dne)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2 279,57 \u20ac<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Syst\u00e9m zda\u0148ovania<\/b><\/td>\n<td><span style=\"font-weight: 400;\">19% da\u0148 zo zisku<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2246 \u20ac osloboden\u00fdch od dane v\u010faka \u010dasov\u00e9mu testu, ale problematick\u00e9 zdanenie dividend<\/span><\/td>\n<td><span style=\"font-weight: 400;\">osloboden\u00e9 od dane v\u010faka \u010dasov\u00e9mu testu<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>zda\u0148ovanie<\/b><\/td>\n<td><span style=\"font-weight: 400;\">da\u0148 64,61*0,19 = 12,27\u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">da\u0148 z dividend 270*0,30 = 81 \u20ac<\/span><\/td>\n<td><span style=\"font-weight: 400;\">osloboden\u00e9 od dane<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>In\u00e9 n\u00e1klady<\/b><\/td>\n<td><span style=\"font-weight: 400;\">\u017eiadne<\/span><\/td>\n<td><span style=\"font-weight: 400;\">vy\u0161\u0161ie n\u00e1klady na \u00fa\u010dtovn\u00edka za zlo\u017eitej\u0161ie Da\u0148ov\u00e9 Priznanie<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ni\u017e\u0161ie n\u00e1klady na \u00fa\u010dtovn\u00edka za jednoduch\u0161ie Da\u0148ov\u00e9 Priznanie<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Ostane V\u00e1m<\/b><\/td>\n<td><b>1 052,34 \u20ac<\/b><\/td>\n<td><b>2 435,00 \u20ac<\/b><\/td>\n<td><b>2 279,57 \u20ac<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">M\u00f4j poh\u013ead:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Kv\u00f4li vysok\u00fdm poplatkom \u00faplne zavrhujem klasick\u00e9 podielov\u00e9 fondy a vyu\u017e\u00edvam len ETF<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Z d\u00f4vodov vy\u0161\u0161ie si rad\u0161ej vyber\u00e1m fondy s akumulovanou dividendou (Acc ETF). Tieto fondy maj\u00fa asi o 0,2% vy\u0161\u0161\u00ed mana\u017e\u00e9rsky poplatok za spr\u00e1vu fondu. To znamen\u00e1, \u017ee za ka\u017ed\u00fdch zainvestovan\u00fdch 1000\u20ac zaplat\u00edm 2\u20ac ro\u010dne navy\u0161e. Rad\u0161ej si k\u00fapim tak\u00fdto fond, preto\u017ee m\u00e1m jednoduch\u0161ie da\u0148ov\u00e9 priznanie a v\u00fdrazne menej zaplat\u00edm \u00fa\u010dtovn\u00edkovi.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Link na zda\u0148ovanie:\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.finax.eu\/sk\/blog\/kompletny-prehlad-zdanovania-prijmov-z-investicii\"><span style=\"font-weight: 400;\">https:\/\/www.finax.eu\/sk\/blog\/kompletny-prehlad-zdanovania-prijmov-z-investicii<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Zoznam odpor\u00fa\u010dan\u00fdch ETF na k\u00fapu<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Kv\u00f4li \u010dasov\u00e9mu testu a problematick\u00e9mu zda\u0148ovaniu dividend z ETF na Slovensku odpor\u00fa\u010dame:<\/span><\/p>\n<p><b>ETF FONDY Typu ACC (s akumulovanou dividendou)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ide\u00e1lne k\u00fapi\u0165 tieto fondy v mene EUR, aby ste eliminovali menov\u00e9 riziko<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Ak ste \u00fapln\u00fd za\u010diato\u010dn\u00edk, odpor\u00fa\u010dam k\u00fapi\u0165:<\/b><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">ETF fond, ktor\u00fd nakupuje americk\u00e9 akcie pod\u013ea indexu S&amp;P 500.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">napr\u00edklad fond:\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><b><i>iShares S&amp;P 500 EUR Hedged UCITS ETF (Acc)<\/i><\/b><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Obchoduje sa v mene EUR<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">M\u00e1 akumulovan\u00fa dividendu a poplatok za spr\u00e1vu 0,2% ro\u010dne<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">link na fond: <\/span><a href=\"https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251903\/ishares-sp-500-eur-hedged-ucits-etf\"><span style=\"font-weight: 400;\">https:\/\/www.ishares.com\/uk\/individual\/en\/products\/251903\/ishares-sp-500-eur-hedged-ucits-etf<\/span><\/a><span style=\"font-weight: 400;\">\u00a0\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><b>Ako nesk\u00f4r rozvrhn\u00fa\u0165 va\u0161e ETF portf\u00f3lio:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pri vy\u0161\u0161ej sume je u\u017e vhodn\u00e9 diverzifikova\u0165 Va\u0161e portf\u00f3lio aj na cel\u00fd svet. Jedno z portf\u00f3lii V\u00e1m bude zar\u00e1ba\u0165 viac, in\u00e9 menej. Eliminujete riziko postavenia v\u0161etk\u00e9ho na jednu kartu. Ke\u010f klesne USA, m\u00f4\u017ee zarobi\u0165 \u010c\u00edna alebo Eur\u00f3pa a naopak. Historicky boli najviac v\u00fdnosn\u00e9 americk\u00e9 akcie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Americk\u00e9 akcie<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">US akcie S&amp;P 500 (large cap &#8211; akcie ve\u013ek\u00fdch americk\u00fdch spolo\u010dnost\u00ed)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">US akcie S&amp;P 400 (mid cap &#8211; akcie stredne ve\u013ek\u00fdch americk\u00fdch spolo\u010dnost\u00ed)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">US akcie Russel 2000 (small cap &#8211; akcie mal\u00fdch americk\u00fdch spolo\u010dnost\u00ed)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Eur\u00f3pske akcie<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Europske akcie 600 UCITS ETF (EU large cap &#8211; 600 najv\u00e4\u010d\u0161\u00edch eur\u00f3pskych spolo\u010dnost\u00ed)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Europske akcie mal\u00fdch spolo\u010dnost\u00ed (EU small cap &#8211; akcie mal\u00fdch eur\u00f3pskych spolo\u010dnost\u00ed)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Emerging markets (rozvojov\u00e9 trhy)<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">S\u00fa to akcie zvy\u0161ku sveta okrem USA a Eur\u00f3py<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Najv\u00e4\u010d\u0161\u00ed podiel v Emerging markets maj\u00fa \u010c\u00ednske akcie (okolo 50%)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Pr\u00edklady zauj\u00edmav\u00fdch ETF fondov:<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">N\u00e1zov fondu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mena<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Podklad. index<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Typ fondu<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Spr\u00e1vcovsk\u00fd Poplatok<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iShares S&amp;P 500 EUR Hedged UCITS ETF (Acc)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P 500 large<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SPDR S&amp;P 400 US Mid Cap UCITS ETF (EUR)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">S&amp;P 400 midcap<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,30%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">L&amp;G Russell 2000 US Small Cap UCITS ETF (EUR)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Russel 2000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,46%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">SPDR\u00ae Russell 2000 US Small Cap UCITS ETF | R2US<\/span><\/td>\n<td><span style=\"font-weight: 400;\">USD<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Russel 2000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,30%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">AMUNDI STOXX EUROPE 600 UCITS ETF (C) &#8211; EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EU large<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,18%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Xtrackers Stoxx Europe 600 UCITS ETF 1C (GBP) | XSX6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EU large<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,20%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Xtrackers MSCI Europe Small Cap UCITS ETF 1C (GBP) | XXSC<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Europe small cap<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,30%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">iShares Core MSCI EM IMI UCITS ETF USD (Acc) (EUR)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">EUR<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Emerging Markets<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ETF akumul. dividenda<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0,18%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Ako z\u00edska\u0165 to najlep\u0161ie vzdel\u00e1vanie o akci\u00e1ch a akciovom trhu<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Najlep\u0161ie vzdel\u00e1vanie na SK a CZ z m\u00f4jho poh\u013eadu maj\u00fa Lynx a XTB. Vyd\u00e1vaj\u00fa pravidelne online webin\u00e1re. V\u010faka nim dok\u00e1\u017eete nar\u00e1s\u0165 najviac ako obchodn\u00edk. Preto odpor\u00fa\u010dam odobera\u0165 Lynx a XTB mailing listy bez oh\u013eadu na to, \u010di u nich \u00fa\u010dty budete ma\u0165.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ak chcete investova\u0165 len do akci\u00ed a ETF a nebudete ma\u0165 z\u00e1ujem rie\u0161i\u0165 Forex, vtedy \u010das\u0165 z denn\u00fdch vide\u00ed m\u00f4\u017eete presko\u010di\u0165. Ak chcete ma\u0165 iba z\u00e1kladn\u00fd preh\u013ead, mo\u017eno si pozriete jedno z vide\u00ed za t\u00fd\u017ede\u0148. V pr\u00edpade, \u017ee m\u00e1te z\u00e1ujem sa o investovan\u00ed vzdel\u00e1va\u0165 \u010do najviac, budete pozera\u0165 vide\u00e1 pravidelne.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Z\u00e1rove\u0148 m\u00f4\u017eete si vysk\u00fa\u0161a\u0165, ako vyzer\u00e1 obchodovanie na demo \u00fa\u010dte XTB<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Lynx mailing list<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Po kliknut\u00ed na link sa prihl\u00e1ste na odber v paneloch v\u013eavo<\/span><\/p>\n<p><a href=\"https:\/\/www.lynxbroker.cz\/vzdelavani\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne\"><span style=\"font-weight: 400;\">https:\/\/www.lynxbroker.cz\/vzdelavani\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><b>XTB mailing list (Pravideln\u00e9 dennodenn\u00e9 novinky)<\/b><\/p>\n<p><a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=10148\"><span style=\"font-weight: 400;\">http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=10148<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><b>XTB kurz akciov\u00e9ho investovania (online vzdel\u00e1vanie)<\/b><\/p>\n<p><a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=9605\"><span style=\"font-weight: 400;\">http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=9605<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><b>XTB demo \u00fa\u010det<\/b><\/p>\n<p><a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=9628\"><span style=\"font-weight: 400;\">http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=9628<\/span><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">Praktick\u00e9 rady ako si otvori\u0165 \u00fa\u010det v Lynx, XTB a IB<\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><b>\u00da\u010dty si m\u00f4\u017eete otvori\u0165 cez linky:<\/b><\/p>\n<p><b>Lynx <\/b><span style=\"font-weight: 400;\">link na otvorenie \u00fa\u010dtu<\/span><\/p>\n<p><a href=\"https:\/\/www.lynxbroker.cz\/otevreni-uctu\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne\"><span style=\"font-weight: 400;\">https:\/\/www.lynxbroker.cz\/otevreni-uctu\/?utm_medium=refferal&amp;utm_campaign=disruptivne&amp;utm_source=disruptivne<\/span><\/a><\/p>\n<p><b>XTB<\/b><span style=\"font-weight: 400;\"> link na otvorenie \u00fa\u010dtu<\/span><\/p>\n<p><a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=8855\"><span style=\"font-weight: 400;\">http:\/\/go.xtbaffiliates.com\/visit\/?bta=38810&amp;nci=8855<\/span><\/a><\/p>\n<p><b>IB<\/b><span style=\"font-weight: 400;\"> &#8211; Interactive Brokers link na otvorenie \u00fa\u010dtu<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Doba schv\u00e1lenia \u00fa\u010dtu po\u010das Korony je r\u00f4zna.\u00a0<\/b><\/p>\n<p><b>XTB<\/b><span style=\"font-weight: 400;\"> je najr\u00fdchlej\u0161\u00ed a m\u00e1 dobu schva\u013eovania <\/span><b>okolo 3 dn\u00ed.<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">U <\/span><b>Lynx<\/b><span style=\"font-weight: 400;\"> sa t\u00e1to doba pred\u013a\u017eila na moment\u00e1lne <\/span><b>asi na 3 t\u00fd\u017edne.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">U <\/span><b>IB<\/b><span style=\"font-weight: 400;\"> t\u00e1to doba m\u00f4\u017ee by\u0165 dlh\u00e1, zaklad\u00e1 V\u00e1m \u00fa\u010det obvykle typick\u00fd Ind z Indie obvykle neznal\u00fd Slovensk\u00fdch da\u0148ov\u00fdch z\u00e1konov a kv\u00f4li ich syst\u00e9mu sa m\u00f4\u017ee doba zalo\u017eenia \u00fa\u010dtu pred\u013a\u017ei\u0165 <\/span><b>aj na 3 t\u00fd\u017edne.\u00a0\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><b>Priniesli sme V\u00e1m dos\u0165 hodnoty?\u00a0<\/b><\/p>\n<p><b>Budeme ve\u013emi radi ak n\u00e1s podpor\u00edte. T\u00fdm, \u017ee si zalo\u017e\u00edte \u00fa\u010det v\u00a0XTB, Lynx alebo IB cez na\u0161e odkazy, vy nezaplat\u00edte za otvorenie \u00fa\u010dtu \u017eiadne poplatky navy\u0161e, ale my z\u00edskame mal\u00fa marketingov\u00fa (affiliate) prov\u00edziu a\u00a0v\u010faka ktorej vieme tvori\u0165 lep\u0161ie \u010dl\u00e1nky a\u00a0pon\u00faknu\u0165 V\u00e1m ich zadarmo.\u00a0\u00a0<\/b><\/p>\n<p>&nbsp;<\/p>\n<p><b>O autorovi \u010dl\u00e1nku R\u00f3bertovi \u010eurecovi<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Do sveta finan\u010dn\u00e9ho sprostredkovania som vkro\u010dil prv\u00fd kr\u00e1t v roku 2009. Vtedy som bol mlad\u00fd a ve\u013emi finan\u010dne naivn\u00fd. Vo svete financi\u00ed som ostal a pohybujem sa v \u0148om 10 rokov. Nov\u00e9 obzory mi otvorila kari\u00e9ra IT konzultanta. Pracoval som s \u010d\u00edslami, d\u00e1tami, anal\u00fdzami vo firm\u00e1ch najm\u00e4 v oblasti logistiky a slu\u017eieb. Nesk\u00f4r som vyu\u017eil svoje technick\u00e9 know-how pri anal\u00fdze finan\u010dn\u00e9ho sektora. Zalo\u017eil som firmu DISRUPTIVNE s jedine\u010dnou kombin\u00e1ciou IT a Invest\u00edcie. Dnes ako odborn\u00edk s d\u00e1tami aj o Korone rad\u00edm r\u00f4znym investi\u010dn\u00fdm brokerom, firm\u00e1m z finan\u010dn\u00e9ho sektora a VIP klientom.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h1><span style=\"font-weight: 400;\">Ot\u00e1zky a odpovede<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">E\u0161te mi napad\u00e1 obava &#8211; \u010do ak Lynx alebo XTB skrachuje? Alebo hackersk\u00fd \u00fatok?\u00a0 AKo s\u00fa kryt\u00e9 moje peniaze a a m\u00e1m \u0161ancu sa k nim re\u00e1lne dosta\u0165 ?\u00a0<\/span><\/p>\n<p><b>Hackersk\u00e9 \u00fatoky na burzy<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Hackersk\u00fd \u00fatok na akciov\u00e9 burzy z m\u00f4jho poh\u013eadu nehroz\u00ed, syst\u00e9my burz s\u00fa ve\u013emi bezpe\u010dn\u00e9 a prech\u00e1dzaj\u00fa nieko\u013eko stup\u0148ov\u00fdm overovan\u00edm. S\u00fa aj pod priamou kontrolou \u0161t\u00e1tnych in\u0161tit\u00faci\u00ed. Z akciov\u00fdch b\u00farz sa t\u00fdmto sp\u00f4sobom skr\u00e1tka nekradne. Na akciov\u00fdch burz\u00e1ch sa \u201ckradne\u201d tak, \u017ee niekto umelo nak\u00fapi \/ pred\u00e1 ve\u013ea akci\u00ed a tak nav\u00fd\u0161i alebo zn\u00ed\u017ei cenu akci\u00ed na burze. Typick\u00fd pr\u00edklad tohto kradnutia je uk\u00e1zan\u00fd vo filme Vlk z Wall-street &#8211; pred\u00e1vali bezcenn\u00e9 akcie bezcenn\u00fdch spolo\u010dnost\u00ed a tvrdili, \u017ee maj\u00fa ve\u013ek\u00fa hodnotu.<br \/>\n<\/span>(link: <a href=\"https:\/\/www.csfd.cz\/film\/287147-vlk-z-wall-street\/prehled\/\">https:\/\/www.csfd.cz\/film\/287147-vlk-z-wall-street\/prehled\/<\/a>)<\/p>\n<p><span style=\"font-weight: 400;\">Ot\u00e1zka hackersk\u00fdch \u00fatokov je typick\u00e1 pre burzy s kryptomenami, preto\u017ee tieto burzy s\u00fa bez kontroly \u0161t\u00e1tu a s ni\u017e\u0161\u00edm schva\u013eovan\u00edm. Virtu\u00e1lne meny s\u00fa aj o tom, \u017ee ke\u010f niekto z\u00edska jedine\u010dn\u00fd identifika\u010dn\u00fd \u201ck\u00f3d bitcoinu\u201d, tak vie ukradn\u00fa\u0165 cel\u00fd bitcoin. Z kryptob\u00farz sa za jeden rok ukradlo 1,1 miliardy USD. Preto kryptoburzy treba vybera\u0165 aj pod\u013ea bezpe\u010dnosti.<br \/>\n<\/span>(link: <a href=\"https:\/\/www.cnbc.com\/2018\/06\/07\/1-point-1b-in-cryptocurrency-was-stolen-this-year-and-it-was-easy-to-do.html\">https:\/\/www.cnbc.com\/2018\/06\/07\/1-point-1b-in-cryptocurrency-was-stolen-this-year-and-it-was-easy-to-do.html<\/a>)<\/p>\n<p>&nbsp;<\/p>\n<p><b>Bezpe\u010dnos\u0165 vlastnen\u00fdch akci\u00ed cez brokera<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bezpe\u010dnos\u0165 zais\u0165uje licencia OCP, kedy obchodn\u00edk s cenn\u00fdmi papiermi (OCP) m\u00e1 oddelen\u00fd svoj majetok firmy od majetku klientov, ktor\u00fdch peniaze spravuje. Ak OCP obchodn\u00edk skrachuje, nem\u00f4\u017ee siahnu\u0165 na majetok jeho klientov (a na nimi vlastnen\u00e9 akcie a fondy) a jeho licenciu aj s majetkom klientov po krachu prevezme in\u00fd obchodn\u00edk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ka\u017ed\u00fd broker m\u00e1 \u0161tandardne typ licencie OCP, ktor\u00fa m\u00f4\u017ee ma\u0165 registrovan\u00fa v r\u00f4znych krajin\u00e1ch.\u00a0<\/span><\/p>\n<p><b>Pr\u00edklad:\u00a0<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Vlastn\u00edm akcie Microsoftu cez Lynx. Ak obchodn\u00edk skrachuje, m\u00f4\u017eu sa mi zmeni\u0165 poplatky za k\u00fapu \/ predaj akci\u00ed, av\u0161ak obchodn\u00edk nem\u00f4\u017ee siahnu\u0165 a preda\u0165 moje akcie Microsoftu. Na to nem\u00e1 pr\u00e1vo pod\u013ea pr\u00e1va E\u00da.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ako investova\u0165 \/ nestrati\u0165 peniaze v\u00a0\u010dase Korony &nbsp; Tajn\u00fd recept [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":442,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ako investova\u0165 \/ nestrati\u0165 peniaze v \u010dase Korony - disruptivne.com<\/title>\n<meta name=\"description\" content=\"Tajn\u00fd recept od finan\u010dn\u00edka, ako nestrati\u0165, ale zhodnoti\u0165 svoje peniaze po\u010das s\u00fa\u010dasnej Korona kr\u00edzy. 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