{"id":8294,"date":"2020-05-26T13:20:22","date_gmt":"2020-05-26T11:20:22","guid":{"rendered":"https:\/\/financer.sk\/?page_id=8294"},"modified":"2024-09-30T13:17:04","modified_gmt":"2024-09-30T11:17:04","slug":"investovanie-do-fondov","status":"publish","type":"page","link":"https:\/\/financer.sk\/investovanie\/investovanie-do-fondov\/","title":{"rendered":"Investovanie do fondov 2024"},"content":{"rendered":"\n

Investovanie do fondov je jednou z najefekt\u00edvnej\u0161\u00edch ciest k budovaniu bohatstva<\/strong> a finan\u010dnej nez\u00e1vislosti bez ve\u013ekej n\u00e1mahy \u010di rizika. Pre slovensk\u00fdch investorov predstavuje t\u00e1to forma investovania pr\u00edle\u017eitos\u0165 diverzifikova\u0165 svoje portf\u00f3lio a profitova\u0165 z odborn\u00fdch znalost\u00ed profesion\u00e1lnych spr\u00e1vcov fondov.<\/p>\n\n\n\n

V tomto \u010dl\u00e1nku si rozoberieme \u010do s\u00fa to investi\u010dn\u00e9 fondy, rozdiely medzi podielov\u00fdmi a\u00a0indexov\u00fdmi fondami, najlep\u0161ie platformy pre investovanie do fondov, ale aj v\u00fdhody a\u00a0nev\u00fdhody oproti in\u00fdm druhom invest\u00edci\u00ed.<\/p>\n\n\n\n

\u010co je to fond?<\/h2>\n\n\n\n

Investi\u010dn\u00e9 fondy s\u00fa finan\u010dn\u00e9 n\u00e1stroje, ktor\u00e9 zdru\u017euj\u00fa kapit\u00e1l od viacer\u00fdch investorov na n\u00e1kup diverzifikovan\u00e9ho portf\u00f3lia akci\u00ed, dlhopisov alebo in\u00fdch akt\u00edv. Funguj\u00fa na princ\u00edpe kolekt\u00edvneho investovania, \u010do umo\u017e\u0148uje aj men\u0161\u00edm investorom z\u00edska\u0165 pr\u00edstup k profesion\u00e1lne spravovan\u00e9mu portf\u00f3liu.<\/p>\n\n\n\n

Investi\u010dn\u00fd fond je ob\u013e\u00faben\u00fd n\u00e1stroj kolekt\u00edvneho investovania.<\/strong> Je vyh\u013ead\u00e1van\u00fd predov\u0161etk\u00fdm fyzick\u00fdmi osobami a spolo\u010dnos\u0165ami, ktor\u00ed h\u013eadaj\u00fa vhodn\u00fd sp\u00f4sob zhodnocovania svojich \u00faspor<\/a>.<\/p>\n\n\n\n

Aj mal\u00e9 vklady viacer\u00fdch investorov tak m\u00f4\u017eu zabezpe\u010di\u0165 kapit\u00e1l umo\u017e\u0148uj\u00faci v\u00fdhodnej\u0161ie invest\u00edcie a t\u00fdm p\u00e1dom aj v\u00fdnosy, ne\u017e ak\u00e9 by investori dosiahli pri tradi\u010dn\u00fdch bankov\u00fdch vkladoch a sporiacich \u00fa\u010dtoch<\/a>.<\/p>\n\n\n\n

Pod\u013ea posledn\u00fdch inform\u00e1ci\u00ed maj\u00fa Slov\u00e1ci prostredn\u00edctvom fondov investovan\u00fdch viac ako 12 mili\u00e1rd eur.<\/strong> M\u00f4\u017eete sa k nim prida\u0165 aj vy napr\u00edklad cez tieto investi\u010dn\u00e9 platformy, ktor\u00e9 hlb\u0161ie rozoberieme nesk\u00f4r v \u010dl\u00e1nku:<\/p>\n\n\n

Investi\u010dn\u00e9 platformy pre fondy<\/h3>\n
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<\/div>\n
<\/div>\n
<\/div>\n <\/div>\n
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\n \n \n \n \n
\n \n Spolo\u010dnos\u0165 <\/span>\n <\/th>\n \n \n Mo\u017enos\u0165 akt\u00edvneho inves…<\/span><\/th> \n Minim\u00e1lny vklad<\/span><\/th> \n \u010eal\u0161ie dostupn\u00e9 invest\u00ed…<\/span><\/th> \n \n <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n
\n Odpor\u00fa\u010dan\u00e9<\/span>\n \n \"eToro\"\n <\/a><\/td>\n \u00c1no<\/span><\/td>\n 100 $<\/span><\/td>\n Akcie, komodity, forex, CFD, kryptomeny<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"XTB\"\n <\/a><\/td>\n \u00c1no<\/span><\/td>\n 0 \u20ac<\/span><\/td>\n Akcie, komodity, forex, CFD, kryptomeny<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"Freedom24\"\n <\/a><\/td>\n \u00c1no<\/span><\/td>\n 0 \u20ac<\/span><\/td>\n Akcie, komodity, forex, CFD, kryptomeny<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"Finax\"\n <\/a><\/td>\n Nie<\/span><\/td>\n 10 \u20ac<\/span><\/td>\n Spravovan\u00fd fond<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"Fondee\"\n <\/a><\/td>\n Nie<\/span><\/td>\n 40 \u20ac<\/span><\/td>\n Spravovan\u00fd fond<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n \n \n \n \n
\n \n Spolo\u010dnos\u0165 <\/span>\n <\/th>\n <\/tr>\n <\/thead>\n
\n Odpor\u00fa\u010dan\u00e9<\/span>\n \n \"eToro\"\n <\/a><\/td><\/tr>
\n \n \n \"XTB\"\n <\/a><\/td><\/tr>
\n \n \n \"Freedom24\"\n <\/a><\/td><\/tr>
\n \n \n \"Finax\"\n <\/a><\/td><\/tr>
\n \n \n \"Fondee\"\n <\/a><\/td><\/tr> <\/tbody>\n <\/table>\n \n \n \n \n
\u017diados\u0165<\/th>\n <\/tr>\n <\/thead>\n
\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n \n \n \n \n
\n \n Spolo\u010dnos\u0165 <\/span>\n <\/th>\n \n \n Celkov\u00e9 hodnotenie <\/span>\n <\/th>\n \n Mo\u017enos\u0165 akt\u00edvneho inves…<\/span><\/th> \n Minim\u00e1lny vklad<\/span><\/th> \n \u010eal\u0161ie dostupn\u00e9 invest\u00ed…<\/span><\/th> \u017diados\u0165 <\/th>\n <\/tr>\n <\/thead>\n
\n Odpor\u00fa\u010dan\u00e9<\/span>\n \n \"eToro\"\n <\/a><\/td>\n \u00c1no<\/span><\/td>\n 100 $<\/span><\/td>\n Akcie, komodity, forex, CFD, kryptomeny<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"XTB\"\n <\/a><\/td>\n \u00c1no<\/span><\/td>\n 0 \u20ac<\/span><\/td>\n Akcie, komodity, forex, CFD, kryptomeny<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"Freedom24\"\n <\/a><\/td>\n \u00c1no<\/span><\/td>\n 0 \u20ac<\/span><\/td>\n Akcie, komodity, forex, CFD, kryptomeny<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"Finax\"\n <\/a><\/td>\n Nie<\/span><\/td>\n 10 \u20ac<\/span><\/td>\n Spravovan\u00fd fond<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr>
\n \n \n \"Fondee\"\n <\/a><\/td>\n Nie<\/span><\/td>\n 40 \u20ac<\/span><\/td>\n Spravovan\u00fd fond<\/span><\/td>\n Zobrazi\u0165 ponuku<\/a><\/td><\/tr> <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n <\/div>\n\n\n

Ako funguj\u00fa fondy?<\/h2>\n\n\n\n

Fondy s\u00fa spravovan\u00e9 spr\u00e1vcovsk\u00fdmi spolo\u010dnos\u0165ami<\/strong>, (tzv. asset management). S\u00fa zlo\u017een\u00e9 z t\u00edmu sk\u00fasen\u00fdch investi\u010dn\u00fdch mana\u017e\u00e9rov. Ich \u00falohou je stara\u0165 sa o finan\u010dn\u00e9 prostriedky investorov s cie\u013eom vytvori\u0165 efekt\u00edvny sp\u00f4sob zhodnocovania kapit\u00e1lu s dostato\u010dnou diverzifik\u00e1ciou.<\/p>\n\n\n\n

Na kroky spr\u00e1vcovsk\u00fdch spolo\u010dnost\u00ed dohliada depozit\u00e1r, \u010do je zvy\u010dajne banka. T\u00e1 vedie \u00fa\u010dty pre jednotliv\u00e9 fondy a takisto aj spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165.<\/p>\n\n\n\n

Investori z\u00edskavaj\u00fa n\u00e1kupom podielov\u00fdch fondov bal\u00edk pokojne a\u017e stoviek r\u00f4znych firiem. Obsah tohto bal\u00ed\u010dka je v\u00a0\u00faplnej r\u00e9\u017eii finan\u010dnej in\u0161tit\u00facie, teda oby\u010dajne banky. Pr\u00e1ve v\u010faka diverzifik\u00e1ci\u00ed prostriedkov s\u00fa podielov\u00e9 fondy tak v\u00fdnosn\u00e9.<\/p>\n\n\n

<\/div>

Druhy fondov<\/h3>

V s\u00fa\u010dasnosti pozn\u00e1me nieko\u013eko z\u00e1kladn\u00fdch druhov fondov. V prvom rade s\u00fa to podielov\u00e9 fondy, ktor\u00e9 dop\u013a\u0148aj\u00fa indexov\u00e9, alebo takzvan\u00e9 ETF fondy a zmie\u0161an\u00e9 fondy. Ka\u017ed\u00e1 z t\u00fdchto kateg\u00f3ri\u00ed sa del\u00ed na nieko\u013eko \u010fal\u0161\u00edch.<\/p><\/div>\n\n\n

Podielov\u00e9 fondy<\/h2>\n\n\n\n

Investovanie do podielov\u00fdch fondov funguje na princ\u00edpe pop\u00edsanom vy\u0161\u0161ie. Men\u0161\u00ed investori akumuluj\u00fa svoje finan\u010dn\u00e9 prostriedky cez spr\u00e1vcovsk\u00fa spolo\u010dnos\u0165 na glob\u00e1lnom finan\u010dnom trhu s cie\u013eom v\u00fdnosu.<\/p>\n\n\n\n

Ich prostriedky s\u00fa diverzifikovan\u00e9 medzi ve\u013ek\u00e9 mno\u017estvo akci\u00ed a in\u00fdch investi\u010dn\u00fdch pr\u00edle\u017eitost\u00ed<\/strong>. Tak\u00fdmto rozdeleniam invest\u00edci\u00ed podlieha d\u00f4kladn\u00e1 anal\u00fdza v\u00fdnosnosti a bud\u00faceho spr\u00e1vania sa. Zistite o podielov\u00fdch fondoch e\u0161te viac<\/a>.<\/p>\n\n\n\n

Ak\u00e9 typy podielov\u00fdch fondov pozn\u00e1me?<\/h3>\n\n\n\n

Podielov\u00e9 fondy sa v z\u00e1sade l\u00ed\u0161ia mierou rizika, ktor\u00e9 s\u00fa ochotn\u00ed investori akceptova\u0165. Pozn\u00e1me nieko\u013eko typov, ktor\u00e9 si bli\u017e\u0161ie rozoberieme v tejto \u010dasti.<\/p>\n\n\n\n

Fondy pe\u0148a\u017en\u00e9ho trhu<\/strong><\/h4>\n\n\n\n

Investovanie do fondov pe\u0148a\u017en\u00e9ho trhu je vyh\u013ead\u00e1van\u00e9 konzervat\u00edvnymi investormi s cie\u013eom investovania pe\u0148az\u00ed na kr\u00e1tky \u010das. Tieto fondy pozost\u00e1vaj\u00fa najm\u00e4 z cenn\u00fdch papierov ako \u0161t\u00e1tne pokladni\u010dn\u00e9 pouk\u00e1\u017eky a \u010das\u0165 prostriedkov je ponech\u00e1van\u00e1 aj na term\u00ednovan\u00fdch \u00fa\u010dtoch.<\/p>\n\n\n