{"id":598,"date":"2019-02-21T01:57:37","date_gmt":"2019-02-21T01:57:37","guid":{"rendered":"http:\/\/www.2link.ca\/bugetfamilial\/?p=598"},"modified":"2019-02-21T01:57:38","modified_gmt":"2019-02-21T01:57:38","slug":"cel-mai-bun-moment-sa-investesti","status":"publish","type":"post","link":"http:\/\/www.2link.ca\/bugetfamilial\/2019\/02\/21\/cel-mai-bun-moment-sa-investesti\/","title":{"rendered":"Cel mai bun moment s\u0103 investe\u0219ti"},"content":{"rendered":"
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Care-i cel mai bun moment s\u0103 investe\u0219ti? Simplu spus: ORICARE. Mai \u00een detaliu e c\u00e2t mai devreme \u00een via\u021b\u0103, oric\u00e2t de pu\u021bin e posibil. Dincolo de acest parametru, oricare alt moment e bun. Unul din principiile pie\u021bii bursiere este c\u0103 nu po\u021bi alege momentul perfect<\/strong> (“you cannot time The Market<\/em>“). Orice investitor cu greutate \u00ee\u021bi va spune acest lucru. <\/p>\n\n\n\n

Evident c\u0103 putem \u00eencerca s\u0103 ghicim dar putem ghici, cel mult, trenduri \u0219i nu puncte precise. De aproape 1 1\/2 ani se vehiculeaz\u0103 c\u0103 pia\u021ba e umflat\u0103 \u0219i c\u0103 se va dezumfla. Nu s-a \u00eent\u00e2mplat. Pia\u021ba face ceea ce pia\u021ba vrea. Acum 2 luni, \u00een decembrie 2018, a p\u0103rut c\u0103 profe\u021bia se va \u00eendeplini – toate s-au dus de-a dura. M-am \u00eemb\u0103rb\u0103tat – \u00een timp ce pia\u021ba general\u0103 raporta c\u0103deri de 10% \u00een 2-3 zile, activele mele sc\u0103deau doar cu 2-3%. \u0218tiu c\u0103 pare o pierdere dar nu este – \u00een termeni bursieri “b\u0103team Pia\u021ba”. N-am v\u00e2ndut nimic. \u0218i bine am f\u0103cut pentru c\u0103 \u00een aceste 2 luni toate “pierderile” din decembrie s-au recuperat (erau oricum pe h\u00e2rtie \u0219i chiar \u0219i a\u0219a erau pierderi din profit) \u0219i anumite active au testat noi puncte. <\/p>\n\n\n\n

Deci investi\u021bi, chiar \u0219i cu spectrul unei crize la orizont pentru c\u0103 nimeni nu \u0219tie exact ce \u0219i cum. \u0218i c\u00e2nd t\u0103v\u0103lugul vine (sigur va veni c\u00e2ndva), nu panica\u021bi pentru c\u0103 e cel mai r\u0103u lucru pe care-l pute\u021bi face. Am s\u0103 dau exemple cu numere, pe baza celui mai r\u0103u crash din istoria ultimilor 30 de ani<\/strong>. <\/p>\n\n\n\n

S\u0103 spunem c-a\u021bi investit 10.000$ \u00een august 2007<\/strong>. La v\u00e2rful bursei a\u021bi investit 10.000$ in SPY, un fond mutual care urm\u0103re\u0219te Standards&Poor 500 (cele mai bune 500 companii din US). Acesta ar fi v\u00e2rful din st\u00e2nga imaginii. P\u00e2n\u0103 \u00een martie 2008, ace\u0219ti bani s-ar fi transformat \u00een doar circa 8500$. S\u0103 spunem c\u0103 acolo (linia ro\u0219ie din st\u00e2nga) a\u021bi fi clacat nervos, a\u021bi fi retras banii de pe pia\u021ba bursier\u0103 <\/strong>\u0219i i-a\u021bi fi pus \u00een depozite cu dob\u00e2nd\u0103, care pl\u0103teau 1-1.5%. <\/p>\n\n\n\n

Prin 2009 v-a\u021bi fi felicitat – c\u0103 la acel moment, de r\u0103m\u00e2nea\u021bi pe pia\u021b\u0103 a\u021bi fi r\u0103mas a\u021bi fi avut doar 6500$ \u00een cont. Dar, prin 2013 (al doilea semn ro\u0219u orizontal) vara, \u00een acel cont de economii cu dob\u00e2nd\u0103, abia a\u021bi fi avut 9500 – nici m\u0103car nu v-a\u021bi fi scos pierderea ini\u021bial\u0103. Dar dac\u0103 n-a\u021bi fi f\u0103cut NIMIC, nici \u00een 2008, nici \u00een 2009… \u00een toamna lui 2013 a\u021bi fi avut toat\u0103 suma ini\u021bial\u0103 (cca 155-156$\/unitate) \u0219i apoi a\u021bi fi \u00eenceput s\u0103 intra\u021bi \u00een profit. Ast\u0103zi a\u021bi avea 278.48$\/unitate, ceea ce reprezint\u0103 un profit de cca 80%. Da, e \u00eentins pe 10 ani… dar 8%\/an \u00een USD nu e chiar de ici, de colo. Nu mai vorbesc c\u0103 dac\u0103 a\u021bi fi avut banii investi\u021bi \u00een ceva mai performant, care pl\u0103te\u0219te dividente a\u021bi fi trecut u\u0219or de 10%\/an profit. <\/p>\n\n\n\n

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E un fond mutual care urm\u0103re\u0219te performan\u021ba celor mai bune 500 companii americane (din toate sectoarele).
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PANICA nu pl\u0103te\u0219te<\/strong>. \u00cencepe\u021bi\/continua\u021bi s\u0103 investi\u021bi – dar nu \u00een lucruri speculative ci \u00een aceste ETF-uri generale, globale. Pare riscant dar nu este – nu pe termen lung. Cum spun, dac\u0103 toate companiile din S&P500 dau faliment – ave\u021bi o problem\u0103 MULT mai mare dec\u00e2t pierderea banilor, probabil oamenii se omoar\u0103 deja pentru o coaj\u0103 de p\u00e2ine. <\/p>\n\n\n\n

Prosperitatea – cea solid\u0103, nu cea din filmele cu jafuri sau tunuri – se bizuie pe o economie constant\u0103, investi\u021bii \u00een produse solide \u0219i muuuult\u0103 r\u0103bdare ca s\u0103 l\u0103sa\u021bi timpul s\u0103 dospeasc\u0103 roadele investi\u021biilor. <\/p>\n

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Demonstra\u021bia faptului c\u0103, atunci c\u00e2nd investe\u0219ti responsabil, nu pierzi bani NICIODAT\u0102.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_s2mail":"","footnotes":""},"categories":[343,5,344,347],"tags":[570,569],"class_list":["post-598","post","type-post","status-publish","format-standard","hentry","category-educatie","category-food-for-thought","category-investitii","category-truc-financiar","tag-spy","tag-time-the-market"],"_links":{"self":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/598","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=598"}],"version-history":[{"count":1,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/598\/revisions"}],"predecessor-version":[{"id":600,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/posts\/598\/revisions\/600"}],"wp:attachment":[{"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/media?parent=598"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/categories?post=598"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.2link.ca\/bugetfamilial\/wp-json\/wp\/v2\/tags?post=598"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}