{"id":571,"date":"2018-11-18T16:07:53","date_gmt":"2018-11-18T16:07:53","guid":{"rendered":"http:\/\/www.2link.ca\/bugetfamilial\/?p=571"},"modified":"2018-12-01T14:11:33","modified_gmt":"2018-12-01T14:11:33","slug":"ce-as-face-cu-banii-in-romania","status":"publish","type":"post","link":"http:\/\/www.2link.ca\/bugetfamilial\/2018\/11\/18\/ce-as-face-cu-banii-in-romania\/","title":{"rendered":"Ce a\u0219 face cu banii \u00een Rom\u00e2nia"},"content":{"rendered":"<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/11\/18\/ce-as-face-cu-banii-in-romania\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/11\/18\/ce-as-face-cu-banii-in-romania\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div><p>Ca s\u0103 ai ce n-ai mai avut trebuie s\u0103 faci ce n-ai mai f\u0103cut! Cont de economii \u2013 dob\u00e2nd\u0103 0.5%? Sub saltea? Investi\u021bi \u00een afacerea unui prieten\/rude, cu promisiuni de \u00eembog\u0103\u021bire peste noapte? <strong>Toate astea-s fumate. \u0218i perdante<\/strong> \u2013 fie sunt mu\u0219cate de infla\u021bie, fie rupte de comisioane, fie riscante ca naiba (pia\u021ba bursier\u0103 nu va fi niciodat\u0103 at\u00e2t de riscant\u0103 ca \u00eemprumutul la prieteni sau rude).<\/p>\n<p>Deci, <strong>ce faci dac\u0103 e\u0219ti un lefegiu modest din RO \u0219i ai, s\u0103 zicem, 5000 euro \u0219i speri s\u0103 mai po\u021bi economisi 500 la fiecare 6 luni<\/strong>? A\u0219 \u00eencepe cu crearea unui fond de urgen\u021be. Nu de alta, dar nu vrei s\u0103 fii silit s\u0103 vinzi la grab\u0103 (fire-sale) active pentru c\u0103 \u021bi s-a spart \u021beava. Deci, s\u0103 spunem c\u0103 p\u0103str\u0103m 10% din ace\u0219ti bani, 500 de euro, \u00eentr-un cont facil sau, de ce nu?, chiar acas\u0103 (dar nu ascun\u0219i \u00een solni\u021ba de sare sau \u00een congelator). Cu ceilal\u021bi mi-a\u0219 deschide un cont la<a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=37324&amp;nci=6106\" target=\"_blank\" rel=\"noopener\"> XTB.com<\/a> \u0219i a\u0219 cump\u0103ra 2-3 ETF-uri. De ce <a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=37324&amp;nci=6106\" target=\"_blank\" rel=\"noopener\">XTB<\/a>? (nu m\u0103 pl\u0103tesc; eu \u00eemi fac banii de la Soro\u0219 post\u00e2nd comentarii anti-PSD). Firma e britanic\u0103 \u0219i chiar dac\u0103 ar da faliment, nu conteaz\u0103 \u2013 cump\u0103r\u0103m PRIN ei, deci activele cump\u0103rate sunt ale noastre, indiferent de ce se \u00eent\u00e2mpl\u0103 cu firma de brokeraj. Par s\u0103 aib\u0103 un comision decent (0.12%, minim 5 euro) \u0219i condi\u021bii convenabile \u0219i ofer\u0103 access la 76 de ETF-uri cu orientare spre US, Europa, Emerging Market sau diferite sectoare (chirie, b\u0103nci etc.). \u0218i, din nefericire, op\u021biunile de brokeri cu comision redus nu-s at\u00e2t de variate dac\u0103 tr\u0103ie\u0219ti \u00een Rom\u00e2nia.<\/p>\n<figure id=\"attachment_572\" aria-describedby=\"caption-attachment-572\" style=\"width: 1016px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-572 size-full\" src=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/11\/Xtb.png\" alt=\"\" width=\"1016\" height=\"554\" srcset=\"http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/11\/Xtb.png 1016w, http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/11\/Xtb-300x164.png 300w, http:\/\/www.2link.ca\/bugetfamilial\/wp-content\/uploads\/2018\/11\/Xtb-768x419.png 768w\" sizes=\"auto, (max-width: 1016px) 100vw, 1016px\" \/><figcaption id=\"caption-attachment-572\" class=\"wp-caption-text\">Pagina de gard\u0103 a XTB. Ne concentr\u0103m pe ETF-uri \u0219i, \u00een col\u021bul din dreapta-sus observa\u021bi c\u0103 pute\u021bi deschide un<a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=37324&amp;nci=6109\" target=\"_blank\" rel=\"noopener\"> cont DEMO<\/a> &#8211; cu bani fictivi, ca s\u0103 v\u0103 juca\u021bi \u0219i s\u0103 v\u0103 c\u00e2\u0219tiga\u021bi \u00eencrederea.<\/figcaption><\/figure>\n<p>De ce \u00een <strong>ETF-uri (Exchange Traded Funds)<\/strong>? Acestea sunt vehicule de investi\u021bie despre care am mai scris, cu multe avantaje:<\/p>\n<ul>\n<li><strong>DIVERSIFICARE<\/strong>. Sunt asem\u0103n\u0103toare unui fond mutual din acest punct de vedere. Investesc \u00een zeci, sute sau chiar mii de companii simultan, \u00een fiecare c\u00e2te pu\u021bin . Nu este relevant dac\u0103 una sau dou\u0103 companii din componen\u021ba unui ETF dau faliment pentru c\u0103 profitul celorlalte va acoperi pierderea din plin<\/li>\n<li><strong>COST<\/strong>. Aceste agregate (ETF, fonduri mutuale) au costuri \u2013 comisioane pe care le pl\u0103tesc ca s\u0103 cumpere\/v\u00e2nd\u0103 ac\u021biunile din componen\u021ba lor, salariile administratorilor fondurilor etc. Fa\u021b\u0103 de fondurile mutuale, care au costuri de 1.5-2% care mu\u0219c\u0103 din profit, ETF-urile au costuri de gestiune mult mai mici: 0.01-0.5%. Diferen\u021ba pare nesemnificativ\u0103 dar pe termen lung \u00eenseamn\u0103 mul\u021bi bani.<\/li>\n<\/ul>\n<p>Procedura e destul de simpl\u0103 \u2013 <strong>deschizi un cont<\/strong>, care-i ca un buzunar gol, <strong>\u0219i apoi,<\/strong> c\u00e2nd toate documentele semnate au ajuns la ei, <strong>finan\u021bezi acel cont<\/strong> \u2013 prin transfer bancar, money order etc. Am mai ar\u0103tat dar voi mai ar\u0103ta cur\u00e2nd, practic, cum s\u0103 deschide\u021bi \u0219i s\u0103 finan\u021ba\u021bi acel cont. Odat\u0103 ce banii, cei 4500 euro au ajuns la ei, pute\u021bi da ordine de cump\u0103rare. Pentru a sc\u0103pa de orice fric\u0103 majoritatea firmelor de brokeraj, XTB \u00een particular, permit crearea unui <a href=\"http:\/\/go.xtbaffiliates.com\/visit\/?bta=37324&amp;nci=6109\" target=\"_blank\" rel=\"noopener\"><strong>cont demo<\/strong><\/a> \u00een care v\u0103 pute\u021bi juca cum dori\u021bi, f\u0103r\u0103 s\u0103 aib\u0103 nici un impact asupra <strong>contului real<\/strong>.<\/p>\n<p>Ce criterii urm\u0103resc \u00eentr-un fond:<\/p>\n<ul>\n<li>Un \u201e<strong>sponsor<\/strong>\u201d bun \u00een spatele lor \u2013 firma care administreaz\u0103 acel fond mutual. Pute\u021bi g\u0103si pe XTB mai mul\u021bi \u201esponsori\u201d \u2013 BNP Paribas, Lyxor, Amundi &#8211; dar personal prefer <strong>iShares<\/strong> \u2013 Blackrock, care gestioneaz\u0103 fondurile iShares e o firm\u0103 masiv\u0103 \u0219i cu manageri foarte buni.<\/li>\n<li>un <strong>sector atractiv<\/strong><\/li>\n<li><strong>capitalizare mare<\/strong> (peste 100 mil)<\/li>\n<li><strong>cost redus<\/strong> ( mai mic de 0.5%, preferabil mai mic de 0.2%)<\/li>\n<li><strong>performan\u021b\u0103 solid\u0103 pe termen lung<\/strong> (preferabil +5 ani)<\/li>\n<li><strong>diversificare<\/strong> (peste 100 de investi\u021bii)<\/li>\n<li><strong>eventual divident<\/strong> \u2013 \u00eentoarcerea profitului c\u0103tre investitor<\/li>\n<\/ul>\n<p><em><strong>Acum, c\u0103 am identificat criteriile corecte, <span style=\"color: #ff0000;\">putem s\u0103 le \u00eenc\u0103lc\u0103m<\/span><\/strong><\/em>.<\/p>\n<p>Iat\u0103 cum a\u0219 \u00eemp\u0103r\u021bi banii:<\/p>\n<ul>\n<li><strong><span style=\"color: #ff0000;\">50%<\/span> \u00een iShares S&amp;P 500 UCITS ETF (IUSA.DE)<\/strong>. Acest fond se vinde \u00een USD \u0219i acoper\u0103 cele mai mari 500 de companii din SUA. S\u0103 facem un calcul: 2250euro, la cursul zilei de azi (Nov 15), \u00eenseamn\u0103 2577$ US. Asta \u00eenseamn\u0103 peste <strong>95 de unit\u0103\u021bi<\/strong>. De ce acest fond?\n<ul>\n<li><strong>Sector atractiv<\/strong> \u2013 cu toate defectele ei SUA r\u0103m\u00e2ne polul magnetic al investi\u021biilor.<\/li>\n<li><strong>Capitalizare mare<\/strong> \u2013 31 miliarde $ US<\/li>\n<li><strong>Cost redus <\/strong>\u2013 0.07%<\/li>\n<li><strong>Performan\u021b\u0103 solid\u0103 <\/strong>\u2013 peste 10% media pe an, pe ultimii 5 ani<\/li>\n<li><strong>Diversificare mare <\/strong>\u2013 505 companii, dintre cele mai bune din US<\/li>\n<\/ul>\n<\/li>\n<li><strong><span style=\"color: #ff0000;\">35%<\/span> \u00een iShares Developed Markets Property Yield UCITS ETF USD (IQQ6.DE \u2013 tranzac\u021bionat \u00een Germania)<\/strong>. Aceasta s-ar traduce prin 1525 euro. La pre\u021bul de azi, 22.48 euro\/unitate \u00eenseamn\u0103 <strong>67-68 unit\u0103\u021bi<\/strong>. De ce acest ETF?\n<ul>\n<li><strong>Sector atractiv<\/strong> \u2013 prin acest fond deveni\u021bi proprietari \u00een imobile \u0219i primi\u021bi distribu\u021bii din chirie.<\/li>\n<li><strong>Capitalizare <\/strong>\u2013 2.81 miliarde $ US<\/li>\n<li><strong>Performan\u021b\u0103 solid\u0103<\/strong> \u2013 media pe ultimii 5 ani este peste 10%. \u00cen aceast\u0103 medie se include \u0219i dividentul de peste 3.27%\/an dar c\u00e2nd alege\u021bi cu acumulare, acel divident e reinvestit \u0219i asta amplific\u0103 profitul<\/li>\n<li><strong>Diversificare<\/strong> \u2013 299 de corpora\u021bii.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\">NOT\u0102: Singurul loc unde-mi \u00eencalc grila de selec\u021bie este cea de cost \u2013 <strong>costul e de 0.59%, relativ mare,<\/strong> dar av\u00e2nd \u00een vedere c\u0103 e un fond pe care Morningstar \u00eel coteaz\u0103 cu 4 stele \u0219i are un profit excelent cred c\u0103 acest cost se justific\u0103.<\/p>\n<p>Pentru cei <strong><span style=\"color: #ff0000;\">15%<\/span><\/strong> care r\u0103m\u00e2n r\u0103m\u00e2n 2 posibilit\u0103\u021bi:<\/p>\n<ol>\n<li>\u00cei p\u0103stra\u021bi \u00een lichid pt <strong>situa\u021bii speciale<\/strong>. Ce \u00eenseamn\u0103 aceste \u201e<em>situa\u021bii speciale<\/em>\u201d? Dac\u0103 o veste conduce la o c\u0103dere accelerat\u0103 \u2013 s\u0103 spunem 10% \u00eentr-o s\u0103pt\u0103m\u00e2n\u0103 \u2013 a unuia din cele 2 fonduri, folosi\u021bi cei 15% s\u0103 mai cump\u0103ra\u021bi unit\u0103\u021bi ale acelui ETF. NU, nu pierde\u021bi bani ci cump\u0103ra\u021bi mai ieftin (cui nu-i place s\u0103 cumpere ieftin?).<\/li>\n<li>Dac\u0103 nu ave\u021bi nevoie de complica\u021bii, investi\u021bi-i \u00een aur.<\/li>\n<\/ol>\n<ul>\n<li><strong>15% \u00een iShares Physical Gold ETC (EGLN.UK)<\/strong>. \u00censeamn\u0103 675 euro, deci 32 de unit\u0103\u021bi la pre\u021bul de 21.05 euro\/unitate. De ce acest ETF?\n<ul>\n<li><strong>Sector atractiv<\/strong>: e un joc <em><strong>contrarian<\/strong><\/em> \u2013 aurul este extrem de ur\u00e2t la acest moment. E cam pe fundul sacului. P\u00e2n\u0103-n clipa c\u00e2nd apare o bulib\u0103\u0219eal\u0103 major\u0103 \u0219i atunci to\u021bi \u00eencep s\u0103-l iubeasc\u0103. Dup\u0103 aia s\u0103 te \u021bii \u2013 \u00eentre 2007 \u0219i 2011 aurul a crescut cu peste 150%.<\/li>\n<li><strong>Acoperire \u00een aur <\/strong>\u2013 spre deosebire de alte ETF-uri, acesta are acoperire \u00een aur<\/li>\n<li><strong>Capitalizare<\/strong>: 3.4 miliarde $ US<\/li>\n<li><strong>Costul redus<\/strong>: 0.25%.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 30px;\">NOT\u0102: <strong>Performan\u021ba acestui fond NU este stelar\u0103<\/strong> \u2013 v\u0103 spuneam c\u0103 e o investi\u021bie contrarian\u0103 care \u00eencearc\u0103 s\u0103 intre acolo\/c\u00e2nd to\u021bi fug de ea.<\/p>\n<p><em><strong>\u0218i asta este tot. Nu e deloc complicat. Nu e filosofie \u0219i nu e specula\u021bie<\/strong><\/em>. Investi\u021bi \u00een companii solide, masive \u0219i chiar dac\u0103 asta nu v\u0103 va \u00eembog\u0103\u021bi peste noapte, nu ve\u021bi s\u0103r\u0103ci niciodat\u0103 ci ve\u021bi prospera.<\/p>\n<p>Iar dac\u0103 v\u0103 sim\u021bi\u021bi descuraja\u021bi \u0219i v\u0103 spune\u021bi c\u0103 5000 de euro nu schimb\u0103 deloc situa\u021bia, g\u00e2ndi\u021bi-v\u0103 la asta: <strong>cei 4500 euro investi\u021bi ini\u021bial, \u00eempreun\u0103 cu cei 1000 euro ad\u0103uga\u021bi anual, \u00een 20 de ani, cu un profit mediu anual de 6% \u00eenseamn\u0103 peste 55.000euro. Cu 7%\/an, complet realist, \u00eenseamn\u0103 61.000 euro<\/strong>. S\u0103 dea Dumnezeu s\u0103 c\u00e2\u0219tiga\u021bi loteria \u0219i s\u0103 nu ave\u021bi nevoie de ei \u2013 v\u0103 lua\u021bi o ma\u0219in\u0103 bengoas\u0103, s\u0103 rupe\u021bi gura t\u00e2rgului. Dac\u0103 \u00eens\u0103 tr\u0103i\u021bi din echivalentul a 1200 ron\/lun\u0103, ace\u0219ti bani pot asigura un venit anual suplimentar deloc de neglijat: cca 4400 euro (@7%), 360 euro\/lun\u0103.<\/p>\n<p>Dup\u0103 teorie, URMEAZ\u0102 PRACTICA: <a href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/11\/22\/sa-cumparam\/\">S\u0102 CUMP\u0102R\u0102M<\/a>\u00a0ETF-uri.<\/p>\n<p>Disclaimer (cerut de XTB):\u00a0<b><em>CFD-urile sunt instrumente complexe \u0219i au un risc ridicat de a pierde rapid bani din\u00a0cauza efectului de levier.\u00a0\u00centre 74-89 % din conturile investitorilor de retail pierd bani atunci c\u00e2nd\u00a0tranzac\u021bioneaz\u0103 CFD-uri.\u00a0Ar trebui s\u0103 lua\u021bi \u00een considerare dac\u0103 \u00een\u021belege\u021bi modul \u00een care func\u021bioneaz\u0103 CFD-urile\u00a0\u0219i dac\u0103 v\u0103 pute\u021bi permite s\u0103 v\u0103 asuma\u021bi riscul ridicat de a v\u0103 pierde banii<\/em>.<br \/>\n<\/b>Disclaimer la disclaimer: <span style=\"color: #ff0000;\"><em><strong>NU investim \u00een CFD-uri care-s instrumente sofisticate deci nu se aplic\u0103 la nimic de mai sus<\/strong><\/em><\/span>.<\/p>\n<div class=\"fcbkbttn_buttons_block\" id=\"fcbkbttn_left\"><div class=\"fcbkbttn_like \"><fb:like href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/11\/18\/ce-as-face-cu-banii-in-romania\/\" action=\"like\" colorscheme=\"light\" layout=\"standard\"  width=\"225px\" size=\"small\"><\/fb:like><\/div><div class=\"fb-share-button  \" data-href=\"http:\/\/www.2link.ca\/bugetfamilial\/2018\/11\/18\/ce-as-face-cu-banii-in-romania\/\" data-type=\"button_count\" data-size=\"small\"><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Ca s\u0103 ai ce n-ai mai avut trebuie s\u0103 faci ce n-ai mai f\u0103cut! Cont de economii \u2013 dob\u00e2nd\u0103 0.5%? Sub saltea? Investi\u021bi \u00een afacerea unui prieten\/rude, cu promisiuni de \u00eembog\u0103\u021bire peste noapte? Toate astea-s fumate. \u0218i perdante \u2013 fie sunt mu\u0219cate de infla\u021bie, fie rupte de comisioane, fie riscante ca naiba (pia\u021ba bursier\u0103 nu va fi niciodat\u0103 at\u00e2t de riscant\u0103 ca \u00eemprumutul la prieteni sau rude). Deci, ce faci dac\u0103 e\u0219ti un lefegiu modest din RO \u0219i ai, s\u0103 zicem, 5000 euro \u0219i speri s\u0103 mai po\u021bi economisi 500 la fiecare 6 luni? A\u0219 \u00eencepe cu crearea unui fond de urgen\u021be. Nu de alta, dar nu vrei s\u0103 fii silit s\u0103 vinzi la grab\u0103 (fire-sale) active pentru c\u0103 \u021bi s-a spart \u021beava. Deci, s\u0103 spunem c\u0103 p\u0103str\u0103m 10% din ace\u0219ti bani, 500 de euro, \u00eentr-un cont facil sau, de ce nu?, chiar acas\u0103 (dar nu ascun\u0219i \u00een solni\u021ba de sare sau \u00een congelator). Cu ceilal\u021bi mi-a\u0219 deschide un cont la XTB.com \u0219i a\u0219 cump\u0103ra 2-3 ETF-uri. De ce XTB? (nu m\u0103 pl\u0103tesc; eu \u00eemi fac banii de la Soro\u0219 post\u00e2nd comentarii anti-PSD). Firma e britanic\u0103 \u0219i chiar dac\u0103 ar da faliment, nu conteaz\u0103 \u2013 cump\u0103r\u0103m PRIN ei, deci activele cump\u0103rate sunt ale noastre, indiferent de ce se \u00eent\u00e2mpl\u0103 cu firma de brokeraj. Par s\u0103 aib\u0103 un comision decent (0.12%, minim 5 euro) \u0219i condi\u021bii convenabile \u0219i ofer\u0103 access la 76 de ETF-uri cu orientare spre US, Europa, Emerging Market sau diferite sectoare (chirie, b\u0103nci etc.). \u0218i, din nefericire, op\u021biunile de brokeri cu comision redus nu-s at\u00e2t de variate dac\u0103 tr\u0103ie\u0219ti \u00een Rom\u00e2nia. De ce \u00een ETF-uri (Exchange Traded Funds)? Acestea sunt vehicule de investi\u021bie despre care am mai scris, cu multe avantaje: DIVERSIFICARE. Sunt asem\u0103n\u0103toare unui fond mutual din acest punct de vedere. Investesc \u00een zeci, sute sau chiar mii de companii simultan, \u00een fiecare c\u00e2te pu\u021bin . Nu este relevant dac\u0103 una sau dou\u0103 companii din componen\u021ba unui ETF dau faliment pentru c\u0103 profitul celorlalte va acoperi pierderea din plin COST. Aceste agregate (ETF, fonduri mutuale) au costuri \u2013 comisioane pe care le pl\u0103tesc ca s\u0103 cumpere\/v\u00e2nd\u0103 ac\u021biunile din componen\u021ba lor, salariile administratorilor fondurilor etc. Fa\u021b\u0103 de fondurile mutuale, care au costuri de 1.5-2% care mu\u0219c\u0103 din profit, ETF-urile au costuri de gestiune mult mai mici: 0.01-0.5%. Diferen\u021ba pare nesemnificativ\u0103 dar pe termen lung \u00eenseamn\u0103 mul\u021bi bani. Procedura e destul de simpl\u0103 \u2013 deschizi un cont, care-i ca un buzunar gol, \u0219i apoi, c\u00e2nd toate documentele semnate au ajuns la ei, finan\u021bezi acel cont \u2013 prin transfer bancar, money order etc. Am mai ar\u0103tat dar voi mai ar\u0103ta cur\u00e2nd, practic, cum s\u0103 deschide\u021bi \u0219i s\u0103 finan\u021ba\u021bi acel cont. Odat\u0103 ce banii, cei 4500 euro au ajuns la ei, pute\u021bi da ordine de cump\u0103rare. Pentru a sc\u0103pa de orice fric\u0103 majoritatea firmelor de brokeraj, XTB \u00een particular, permit crearea unui cont demo \u00een care v\u0103 pute\u021bi juca cum dori\u021bi, f\u0103r\u0103 s\u0103 aib\u0103 nici un impact asupra contului real. Ce criterii urm\u0103resc \u00eentr-un fond: Un \u201esponsor\u201d bun \u00een spatele lor \u2013 firma care administreaz\u0103 acel fond mutual. Pute\u021bi g\u0103si pe XTB mai mul\u021bi \u201esponsori\u201d \u2013 BNP Paribas, Lyxor, Amundi &#8211; dar personal prefer iShares \u2013 Blackrock, care gestioneaz\u0103 fondurile iShares e o firm\u0103 masiv\u0103 \u0219i cu manageri foarte buni. un sector atractiv capitalizare mare (peste 100 mil) cost redus ( mai mic de 0.5%, preferabil mai mic de 0.2%) performan\u021b\u0103 solid\u0103 pe termen lung (preferabil +5 ani) diversificare (peste 100 de investi\u021bii) eventual divident \u2013 \u00eentoarcerea profitului c\u0103tre investitor Acum, c\u0103 am identificat criteriile corecte, putem s\u0103 le \u00eenc\u0103lc\u0103m. Iat\u0103 cum a\u0219 \u00eemp\u0103r\u021bi banii: 50% \u00een iShares S&amp;P 500 UCITS ETF (IUSA.DE). Acest fond se vinde \u00een USD \u0219i acoper\u0103 cele mai mari 500 de companii din SUA. S\u0103 facem un calcul: 2250euro, la cursul zilei de azi (Nov 15), \u00eenseamn\u0103 2577$ US. Asta \u00eenseamn\u0103 peste 95 de unit\u0103\u021bi. De ce acest fond? Sector atractiv \u2013 cu toate defectele ei SUA r\u0103m\u00e2ne polul magnetic al investi\u021biilor. Capitalizare mare \u2013 31 miliarde $ US Cost redus \u2013 0.07% Performan\u021b\u0103 solid\u0103 \u2013 peste 10% media pe an, pe ultimii 5 ani Diversificare mare \u2013 505 companii, dintre cele mai bune din US 35% \u00een iShares Developed Markets Property Yield UCITS ETF USD (IQQ6.DE \u2013 tranzac\u021bionat \u00een Germania). Aceasta s-ar traduce prin 1525 euro. La pre\u021bul de azi, 22.48 euro\/unitate \u00eenseamn\u0103 67-68 unit\u0103\u021bi. De ce acest ETF? Sector atractiv \u2013 prin acest fond deveni\u021bi proprietari \u00een imobile \u0219i primi\u021bi distribu\u021bii din chirie. Capitalizare \u2013 2.81 miliarde $ US Performan\u021b\u0103 solid\u0103 \u2013 media pe ultimii 5 ani este peste 10%. \u00cen aceast\u0103 medie se include \u0219i dividentul de peste 3.27%\/an dar c\u00e2nd alege\u021bi cu acumulare, acel divident e reinvestit \u0219i asta amplific\u0103 profitul Diversificare \u2013 299 de corpora\u021bii. NOT\u0102: Singurul loc unde-mi \u00eencalc grila de selec\u021bie este cea de cost \u2013 costul e de 0.59%, relativ mare, dar av\u00e2nd \u00een vedere c\u0103 e un fond pe care Morningstar \u00eel coteaz\u0103 cu 4 stele \u0219i are un profit excelent cred c\u0103 acest cost se justific\u0103. Pentru cei 15% care r\u0103m\u00e2n r\u0103m\u00e2n 2 posibilit\u0103\u021bi: \u00cei p\u0103stra\u021bi \u00een lichid pt situa\u021bii speciale. Ce \u00eenseamn\u0103 aceste \u201esitua\u021bii speciale\u201d? Dac\u0103 o veste conduce la o c\u0103dere accelerat\u0103 \u2013 s\u0103 spunem 10% \u00eentr-o s\u0103pt\u0103m\u00e2n\u0103 \u2013 a unuia din cele 2 fonduri, folosi\u021bi cei 15% s\u0103 mai cump\u0103ra\u021bi unit\u0103\u021bi ale acelui ETF. NU, nu pierde\u021bi bani ci cump\u0103ra\u021bi mai ieftin (cui nu-i place s\u0103 cumpere ieftin?). Dac\u0103 nu ave\u021bi nevoie de complica\u021bii, investi\u021bi-i \u00een aur. 15% \u00een iShares Physical Gold ETC (EGLN.UK). \u00censeamn\u0103 675 euro, deci 32 de unit\u0103\u021bi la pre\u021bul de 21.05 euro\/unitate. De ce acest ETF? Sector atractiv: e un joc contrarian \u2013 aurul este extrem de ur\u00e2t la acest moment. E cam pe fundul sacului. P\u00e2n\u0103-n clipa c\u00e2nd apare o bulib\u0103\u0219eal\u0103 major\u0103 \u0219i atunci to\u021bi \u00eencep s\u0103-l iubeasc\u0103. Dup\u0103 aia s\u0103 te \u021bii \u2013 \u00eentre 2007 \u0219i 2011 aurul a crescut cu peste 150%. Acoperire \u00een aur \u2013 spre deosebire de alte ETF-uri, acesta are acoperire \u00een aur Capitalizare: 3.4 miliarde $ US Costul redus: 0.25%. NOT\u0102: Performan\u021ba acestui fond NU este stelar\u0103 \u2013 v\u0103 spuneam c\u0103 e o investi\u021bie contrarian\u0103 care \u00eencearc\u0103 s\u0103 intre acolo\/c\u00e2nd to\u021bi fug de ea. \u0218i asta este tot. Nu e deloc complicat. Nu e filosofie \u0219i nu e specula\u021bie. Investi\u021bi \u00een companii solide, masive \u0219i chiar dac\u0103 asta nu v\u0103 va \u00eembog\u0103\u021bi peste noapte, nu ve\u021bi s\u0103r\u0103ci niciodat\u0103 ci ve\u021bi prospera. Iar dac\u0103 v\u0103 sim\u021bi\u021bi descuraja\u021bi \u0219i v\u0103 spune\u021bi c\u0103 5000 de euro nu schimb\u0103 deloc situa\u021bia, g\u00e2ndi\u021bi-v\u0103 la asta: cei 4500 euro investi\u021bi ini\u021bial, \u00eempreun\u0103 cu cei 1000 euro ad\u0103uga\u021bi anual, \u00een 20 de ani, cu un profit mediu anual de 6% \u00eenseamn\u0103 peste 55.000euro. Cu 7%\/an, complet realist, \u00eenseamn\u0103 61.000 euro. S\u0103 dea Dumnezeu s\u0103 c\u00e2\u0219tiga\u021bi loteria \u0219i s\u0103 nu ave\u021bi nevoie de ei \u2013 v\u0103 lua\u021bi o ma\u0219in\u0103 bengoas\u0103, s\u0103 rupe\u021bi gura t\u00e2rgului. Dac\u0103 \u00eens\u0103 tr\u0103i\u021bi din echivalentul a 1200 ron\/lun\u0103, ace\u0219ti bani pot asigura un venit anual suplimentar deloc de neglijat: cca 4400 euro (@7%), 360 euro\/lun\u0103. Dup\u0103 teorie, URMEAZ\u0102 PRACTICA: S\u0102 CUMP\u0102R\u0102M\u00a0ETF-uri. Disclaimer (cerut de XTB):\u00a0CFD-urile sunt instrumente complexe \u0219i au un risc ridicat de a pierde rapid bani din\u00a0cauza efectului de levier.\u00a0\u00centre 74-89 % din conturile investitorilor de retail pierd bani atunci c\u00e2nd\u00a0tranzac\u021bioneaz\u0103 CFD-uri.\u00a0Ar trebui s\u0103 lua\u021bi \u00een considerare dac\u0103 \u00een\u021belege\u021bi modul \u00een care func\u021bioneaz\u0103 CFD-urile\u00a0\u0219i dac\u0103 v\u0103 pute\u021bi permite s\u0103 v\u0103 asuma\u021bi riscul ridicat de a v\u0103 pierde banii. Disclaimer la disclaimer: NU investim \u00een CFD-uri care-s instrumente sofisticate deci nu se aplic\u0103 la nimic de mai sus.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"yes","footnotes":""},"categories":[344,7,8],"tags":[440,470,563,562],"class_list":["post-571","post","type-post","status-publish","format-standard","hentry","category-investitii","category-knowledge","category-savvy","tag-etf","tag-ishares","tag-xtb-romania","tag-xtb-com"],"_links":{"self":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/571","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/comments?post=571"}],"version-history":[{"count":6,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/571\/revisions"}],"predecessor-version":[{"id":595,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/571\/revisions\/595"}],"wp:attachment":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/media?parent=571"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/categories?post=571"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/tags?post=571"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}