Skratka ETF v sebe ukr\u00fdva n\u00e1zov pre\u00a0exchange-traded fund –\u00a0<\/strong>teda fondy obchodovan\u00e9 na<\/strong>\u00a0burze.\u00a0<\/strong>Tento sp\u00f4sob investovania funguje na ve\u013emi podobnom princ\u00edpe, ako s\u00fa zn\u00e1mej\u0161ie a popul\u00e1rnej\u0161ie\u00a0akciov\u00e9<\/strong>\u00a0podielov\u00e9 fondy,\u00a0<\/strong>teda invest\u00edcie do akci\u00ed firiem, s t\u00fdm rozdielom, \u017ee tieto sa navy\u0161e obchoduj\u00fa na burze<\/strong>.<\/p>\n Fondy <\/strong>s\u00fa teda v\u00fdhodn\u00fdm investi\u010dn\u00fdm n\u00e1strojom <\/strong>pre men\u0161\u00edch investorov, <\/strong>ktor\u00ed maj\u00fa z\u00e1ujem o zhodnocovanie kapit\u00e1lu <\/strong>prostredn\u00edctvom podielov\u00e9ho <\/strong>vlastn\u00edctva niektor\u00fdch spolo\u010dnost\u00ed. V pr\u00edpade ETF ide o cenn\u00e9 papiere,\u00a0<\/strong>ktor\u00e9 z\u00edskavaj\u00fa svoju pridan\u00fa hodnotu pr\u00e1ve obchodovan\u00edm na burze.<\/p>\n V r\u00e1mci ETF fondov navy\u0161e prebieha investovanie <\/strong>tak, \u017ee sa v r\u00e1mci fondu zhroma\u017e\u010fuj\u00fa \u010diastkov\u00e9 invest\u00edcie a doch\u00e1dza k tzv. kolekt\u00edvnemu investovaniu, <\/strong>kedy je spolo\u010dne investovan\u00fd majetok<\/strong> v\u0161etk\u00fdch investorov v r\u00e1mci fondu. <\/strong><\/p>\n To v preklade znamen\u00e1, \u017ee aj ke\u010f napr\u00edklad individu\u00e1lne nem\u00e1te dostatok finan\u010dn\u00fdch prostriedkov<\/strong> na k\u00fapu celej spolo\u010dnosti, k\u00fapou podielu <\/strong>spolu s \u010fal\u0161\u00edmi investormi, m\u00f4\u017eete dosiahnu\u0165 tento na prv\u00fd poh\u013ead nedosiahnute\u013en\u00fd cie\u013e<\/strong>. A o tom, kto bud\u00fa va\u0161i spolo\u010dn\u00edci vo firme, m\u00f4\u017eete rozhodn\u00fa\u0165 spr\u00e1vnym v\u00fdberom spoluinvestorov<\/strong>.<\/p>\n <\/p>\n Nechajte svoje peniaze r\u00e1s\u0165. Invest\u00edcia do ETF, m\u00f4\u017ee by\u0165 v\u00fdhodnou invest\u00edciou pre va\u0161u bud\u00facnos\u0165. | Foto: pexels.com<\/strong>\n Z\u00e1kladn\u00fdm rozdielom „hraj\u00facim“ v prospech ETF je ich likvidita <\/strong>v porovnan\u00ed s be\u017en\u00fdmi podielov\u00fdmi fondmi. <\/strong><\/p>\n T\u00e1 sa prejavuje najm\u00e4 v\u010faka tomu, \u017ee ETF s\u00fa obchodovan\u00e9 na\u00a0burz\u00e1ch,\u00a0<\/strong>a teda je nar\u00e1banie s nimi ve\u013emi r\u00fdchle a flexibiln\u00e9. Ak sa teda rozhodnete zobchodova\u0165 svoje invest\u00edcie v ETF, <\/strong>m\u00f4\u017eete tak urobi\u0165 cez sprostredkovate\u013ea<\/strong> – obchodn\u00edka prakticky okam\u017eite. V pr\u00edpade podielov\u00fdch fondov neobchodovan\u00fdch na burze, <\/strong>sa tento proces n\u00e1sobne predl\u017euje.<\/p>\n \u010eal\u0161ou v\u00fdhodou exchange-traded funds,\u00a0<\/strong>je spom\u00ednan\u00e1 flexibilita – a s\u00edce mo\u017enos\u0165 nar\u00e1ba\u0165 s invest\u00edciami do t\u00fdchto fondov pod\u013ea svojich \u0161pecifick\u00fdch preferenci\u00ed.<\/p>\n Ak sa teda rozhodnete investova\u0165 do akci\u00ed niektorej z nadn\u00e1rodn\u00fdch firiem, ale hodnoty akci\u00ed\u00a0<\/strong>sa \u0161plhaj\u00fa do v\u00fd\u0161in, do ktor\u00fdch u\u017e nechcete so svojimi invest\u00edciami prejs\u0165, m\u00f4\u017eete k\u00fapu akci\u00ed rozdeli\u0165 tak, \u017ee pri po\u010dte napr\u00edklad 1000 akci\u00ed firmy, \u010diastkovo investujete do ka\u017edej z nich.<\/p>\n Tak\u00e1to invest\u00edcia vyjde r\u00e1dovo v desiatkach a\u017e stovk\u00e1ch eur, v z\u00e1vislosti od hodnoty invest\u00edcie<\/strong>, ktor\u00fa ste ochotn\u00fd vlo\u017ei\u0165 do t\u00fdchto fondov. V pr\u00edpade podobnej invest\u00edcie do\u00a0ETF <\/strong>sa odhadovan\u00e9 v\u00fdnosy pohybuj\u00fa v hodnote pribli\u017ene\u00a05 – 10% p. a.,\u00a0<\/strong>z celkovej investi\u010dnej hodnoty, \u010do rozhodne nie je zanedbate\u013en\u00e1 \u010diastka, najm\u00e4 pri dlhodobom sporen\u00ed.<\/p>\n Okrem u\u017e spom\u00ednan\u00fdch\u00a0v\u00fdhodn\u00fdch aspektov,\u00a0<\/strong>s\u00fa v pr\u00edpade t\u00fdchto fondov plusom aj n\u00edzke alebo \u017eiadne vstupn\u00e9 n\u00e1klady. Poplatky za po\u010diato\u010dn\u00e9 investovanie do ETF s\u00fa spravidla nulov\u00e9, pri\u010dom pri prvotnej<\/strong>\u00a0invest\u00edcii <\/strong>do\u00a0akciov\u00fdch podielov\u00fdch fondov,\u00a0<\/strong>predstavuje vstupn\u00fd poplatok<\/strong> v priemere a\u017e 5%.<\/p>\n Rozdiely s\u00fa aj v ro\u010dn\u00fdch poplatok za dr\u017eanie akci\u00ed v r\u00e1mci fondov. Pri ETF za\u010d\u00edna tento podiel u\u017e na \u00farovni 0,1% – 1,5% ro\u010dne. Priemern\u00fd percentu\u00e1lny podiel<\/strong> v pr\u00edpade dr\u017eania akciov\u00fdch podielov\u00fdch fondov, <\/strong>sa pohybuje na \u00farovni 2%.<\/p>\n V porovnan\u00ed s celkov\u00fdmi ro\u010dn\u00fdmi v\u00fdnosmi, spo\u010d\u00edva v\u00fdhoda investovania do ETF aj v k\u013e\u00fa\u010dovom aspekte v investovan\u00ed –\u00a0v\u00fdnosoch.\u00a0<\/strong>Aj tento ukazovate\u013e nahr\u00e1va v prospech fondov obchodovan\u00fdch na burze, pri\u010dom celkov\u00e9 v\u00fdnosy tak\u00fdchto invest\u00edci\u00ed, predstavuj\u00fa v priemere\u00a0dvojn\u00e1sobok,\u00a0<\/strong>oproti v\u00fdnosom\u00a0akciov\u00fdch podielov\u00fdch fondov.\u00a0<\/strong><\/p>\n O bezpe\u010dnos\u0165 investovania do t\u00fdchto fondov sa nemus\u00edte b\u00e1\u0165. Jednou z d\u00f4le\u017eit\u00fdch z\u00e1ruk, je\u00a0\u0161t\u00e1tom garantovan\u00e9 krytie\u00a0<\/strong>tak\u00fdchto invest\u00edci\u00ed, a\u017e do hodnoty\u00a050 000\u20ac.\u00a0<\/strong>Ak sa teda va\u0161e invest\u00edcie pohybuj\u00fa pod touto sumou, ani v pr\u00edpade trhov\u00fdch v\u00fdkyvov by ste o svoje peniaze nemali pr\u00eds\u0165.<\/p>\n Okrem toho, s\u00fa v\u010faka pr\u00edsnym\u00a0regula\u010dn\u00fdm a kontroln\u00fdm mechanizmom,\u00a0<\/strong>ETF pod drobnoh\u013eadom \u00faradov, ktor\u00e9 sa zaoberaj\u00fa pr\u00e1ve touto problematikou.<\/p>\n Benefitom navy\u0161e\u00a0<\/strong>je rozhodne charakter ETF. Ke\u010f\u017ee tieto fondy s\u00fa charakterizovan\u00e9 ako\u00a0cenn\u00e9 papiere,\u00a0<\/strong>spadaj\u00fa pod\u00a0\u010dasov\u00fd test,\u00a0<\/strong>vypl\u00fdvaj\u00faci zo z\u00e1kona o dani z pr\u00edjmov. To v praxi znamen\u00e1, \u017ee pokia\u013e svoju invest\u00edciu do ETF aspo\u0148 rok dr\u017e\u00edte na svojom investi\u010dnom \u00fa\u010dte, po uplynut\u00ed jedn\u00e9ho roka, s\u00fa pr\u00edjmy z ETF, na rozdiel od akciov\u00fdch podielov\u00fdch fondov, osloboden\u00e9 od dane.\u00a0<\/strong><\/p>\n Okrem nulov\u00fdch vstupn\u00fdch poplatkov<\/strong> a ni\u017e\u0161\u00edch poplatkov za vedenie \u00fa\u010dtu, viete teda svoje peniaze zhodnoti\u0165 e\u0161te viac, pr\u00e1ve v\u010faka nezda\u0148ovan\u00e9mu pr\u00edjmu,<\/strong> generovan\u00e9mu prostredn\u00edctvom t\u00fdchto fondov.<\/p>","protected":false},"excerpt":{"rendered":" Aj investovanie podlieha trendom Skratka ETF v sebe ukr\u00fdva n\u00e1zov pre\u00a0exchange-traded fund –\u00a0teda fondy obchodovan\u00e9 na\u00a0burze.\u00a0Tento sp\u00f4sob investovania funguje na ve\u013emi podobnom princ\u00edpe, ako s\u00fa<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-6916","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6916","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=6916"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/6916\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=6916"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=6916"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=6916"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\u010co je v\u00fdhodou ETF?<\/h3>\n
Ko\u013eko mus\u00edm investova\u0165 a ak\u00fd budem ma\u0165 v\u00fdnos?<\/h3>\n
A \u010do bezpe\u010dnos\u0165 ETF?<\/h3>\n