{"id":11395,"date":"2024-06-11T13:24:00","date_gmt":"2024-06-11T10:24:00","guid":{"rendered":"https:\/\/financer.ro\/?page_id=11395"},"modified":"2024-11-07T16:59:36","modified_gmt":"2024-11-07T14:59:36","slug":"bursa-de-valori-sfaturi-incepatori","status":"publish","type":"page","link":"https:\/\/financer.ro\/economii\/bursa-de-valori-sfaturi-incepatori\/","title":{"rendered":"Bursa de Valori \u2013 sfaturi \u00eencep\u0103tori"},"content":{"rendered":"\n<p class=\"has-text-align-left\"><strong>Vrei s\u0103 \u00eencepi s\u0103 investe\u0219ti pe<\/strong> <strong>bursa de valori<\/strong>, dar \u00ee\u021bi este cumva team\u0103 deoarece nu ai suficient de multe informa\u021bii despre acest subiect?<\/p>\n\n\n\n<p class=\"has-text-align-left\">Ei bine, ghidul de fa\u021b\u0103 a fost creat special pentru persoane ca tine.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Aici vei descoperi cum s\u0103 alegi <a href=\"https:\/\/financer.ro\/economii\/platforme-de-tranzactionare\/\" data-type=\"page\" data-id=\"42588\">platforma de tranzac\u021bionare<\/a> ideal\u0103, cum s\u0103 cumperi primele <a href=\"https:\/\/financer.ro\/economii\/actiuni\/\" data-type=\"page\" data-id=\"1698\">ac\u021biuni<\/a> \u0219i \u00ee\u021bi vom prezenta \u0219i <strong>5 strategii folosite de unii dintre investitori de succes.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Scopul nostru este ca, la final de articol, s\u0103 ai o funda\u021bie bun\u0103 \u0219i solid\u0103 \u00een ceea ce prive\u0219te aceste investi\u021bii la burs\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Iar dac\u0103 nu ai mai realizat plasamente de genul acesta p\u00e2n\u0103 acum, <strong>te sf\u0103tuim s\u0103 cite\u0219ti \u00eentreg articolul<\/strong> pentru c\u0103 aici vei descoperi r\u0103spunsul la o mul\u021bime de \u00eentreb\u0103ri pe care le-ai putea avea.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_sunt_aciunile_i_de_ce_s_investeti_la_burs\">Ce sunt ac\u021biunile \u0219i de ce s\u0103 investe\u0219ti la burs\u0103<\/h2>\n\n\n\n<p class=\"has-text-align-left\">\u00centreab\u0103 orice persoan\u0103 care investe\u0219te la burs\u0103 cu succes cum reu\u0219e\u0219te s\u0103 fac\u0103 asta \u0219i mai mult ca sigur \u021bi se va r\u0103spunde c\u0103 pentru a face profit <strong>trebuie \u00een primul r\u00e2nd s\u0103 \u00een\u021belegi ce sunt ac\u021biunile \u0219i cum func\u021bioneaz\u0103 ele.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Ei bine, ac\u021biunile reprezint\u0103 unit\u0103\u021bi de proprietate \u00eentr-o companie, oferind investitorilor dreptul de a participa la profituri \u0219i pierderi, precum \u0219i la deciziile corporative, \u00een func\u021bie de num\u0103rul de ac\u021biuni de\u021binute. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Practic, de\u021bin\u00e2nd ac\u021biuni devii co-proprietarul companiei, ceea ce \u00ee\u021bi d\u0103 dreptul la o parte din profituri \u0219i dividende, mai mic\u0103 sau mai mare, echivalent\u0103 cu num\u0103rul de ac\u021biuni de\u021binute.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Pe de alt\u0103 parte, <strong>dac\u0103 respectiva companie \u00eenregistreaz\u0103 o cre\u0219tere a valorii, la fel se va \u00eent\u00e2mpla \u0219i cu pre\u021bul ac\u021biunilor<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Iar de aici tu po\u021bi realiza profituri, fie sub forma dividendelor, fie prin v\u00e2nzarea titlurilor de\u021binute, la un pre\u021b mai mare fa\u021b\u0103 de cel de achizi\u021bie.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Unele persoane v\u0103d astfel de plasamente drept jocuri de noroc \u0219i le po\u021bi da dreptate, \u00eentr-o oarecare m\u0103sur\u0103. Niciodat\u0103, oric\u00e2t de bine informat ai fi, nu vei \u0219tii cu exactitate ce s-ar putea \u00eent\u00e2mpla \u00een viitor.<\/p>\n\n\n\n<p class=\"has-text-align-left\">P\u00e2n\u0103 \u0219i compania Berkshire Hathaway de\u021binut\u0103 de Warren Buffet (considerat de mul\u021bi drept cel mai mare investitor \u00een via\u021b\u0103) a \u00eenregistrat <a href=\"https:\/\/www.libertatea.ro\/stiri\/compania-care-a-pierdut-50-de-miliarde-de-dolari-in-doar-trei-luni-din-cauza-pandemiei-de-coronavirus-2980966\">pierderi de aproape 50 miliarde $<\/a> \u00een martie 2020. Dar, \u00een timp, s-a redresat.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cens\u0103, dac\u0103 \u00ee\u021bi faci atent temele \u0219i dep\u0103\u0219e\u0219ti perioadele de criz\u0103, ac\u021biunile se pot dovedi a fi investi\u021bii de un real succes.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Iat\u0103 \u0219i de ce spunem asta:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Vin cu randamente foarte bune, chiar mai mari ca cele oferite de investi\u021biile imobiliare, dar f\u0103r\u0103 b\u0103taia de cap al achizi\u021bion\u0103rii \u0219i \u00eentre\u021binerii unei locuin\u021be<\/p>\n<\/li><li><p>Oricine poate \u00eenv\u0103\u021ba s\u0103 citeasc\u0103 graficele unei companii \u0219i s\u0103 investeasc\u0103 cu succes \u00een ac\u021biuni, dar nu oricine poate construi sau renova o cas\u0103<\/p>\n<\/li><li><p>Trendul bursei este \u00eentotdeauna unul ascendent, este drept, cu unele perioade de sc\u0103dere sau stagnare<\/p>\n<\/li><li><p>Anumite ac\u021biuni pl\u0103tesc \u0219i dividende ac\u021bionarilor, ceea ce ajut\u0103 la cre\u0219terea valorii profitului final<\/p>\n<\/li><\/ul><\/div>\n\n\n<p><em>Mai multe detalii generale despre ac\u021biuni po\u021bi citi ap\u0103s\u00e2nd butonul de mai jos:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/economii\/actiuni\/\" class=\"button  is-rounded is-primary is-large is-fullwidth\" target=\"_self\"  rel=\"nofollow\">Viziteaz\u0103 pagina<\/a><\/div>\n\n<h3 id=\"Cum_su0103_investeu0219ti_la_bursu0103\">Cum s\u0103 investe\u0219ti la burs\u0103<\/h3><div class=\"howto_desc\"><p>\u00cen continuare \u00ee\u021bi vom prezenta cum s\u0103 realizezi prima investi\u021bie \u00een ac\u021biuni, pas cu pas.<\/p><\/div><h4>Pa\u0219i<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. \u00cenva\u021b\u0103 c\u00e2t po\u021bi de mult<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Alege o strategie de investi\u021bii<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Decide c\u00e2t de mul\u021bi bani dore\u0219ti s\u0103 investe\u0219ti<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. Deschide un cont de investi\u021bi<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. Alege ac\u021biunile preferate<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_6\">6. Continu\u0103 s\u0103 investe\u0219ti<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Pasul 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Invata-cat-poti-de-mult\">\u00cenva\u021b\u0103 c\u00e2t po\u021bi de mult<\/h3><p>\u00cen ziua de ast\u0103zi este incredibil de u\u0219or s\u0103 cumperi ac\u021biuni. Doar deschizi o pagin\u0103 de internet, ba chiar \u0219i unele posturi TV \u0219i e\u0219ti \u00eenconjurat de reclame care toate \u00ee\u021bi spun <em>\u201eInveste\u0219te la burs\u0103 acum!\u201d, \u201eNu rata ocazia\u201d <\/em>etc.<\/p>\n<p>Platformele de investi\u021bii sunt tot mai u\u0219or de utilizat, astfel c\u0103, de multe ori, po\u021bi fi tentat s\u0103 \u00eencepi s\u0103 realizezi plasamente f\u0103r\u0103 a avea suficient de multe cuno\u0219tin\u021be de baz\u0103.<\/p>\n<p>Dar credem c\u0103 aceast\u0103 tactic\u0103 este una care aproape garantat te va \u00eendrepta spre pierderi materiale, mai devreme sau mai t\u00e2rziu.<\/p>\n<p>Iat\u0103 de ce noi credem c\u0103 <strong>primul<\/strong> <strong>pas spre o carier\u0103 de investitor de<\/strong> <strong>succes ar fi s\u0103 \u00eenve\u021bi c\u00e2t<\/strong> <strong>po\u021bi de mult.<\/strong><\/p>\n<p>Iar aici te pot ajuta c\u0103r\u021bi, articole sau chiar \u0219i acest ghid, unde vei putea g\u0103si o mul\u021bime de informa\u021bii foarte utile.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Pasul 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Alege-o-strategie-de-investitii\">Alege o strategie de investi\u021bii<\/h3><p>Dup\u0103 ce consideri c\u0103 ai \u00eenv\u0103\u021bat suficient c\u00e2t s\u0103 testezi pia\u021ba bursier\u0103, este timpul s\u0103 alegi o strategie \u0219i s\u0103 te \u021bii de ea. Pu\u021bin mai jos \u00ee\u021bi vom prezenta \u0219i noi <a href=\"#strategii-de-succes\">5 astfel de tactici pe care le po\u021bi utiliza cu succes<\/a>.<\/p>\n<p>Exist\u0103 destul de multe moduri prin care vei putea investi la bursa de valori. Po\u021bi cump\u0103ra ac\u021biuni individuale, fonduri index, ETF-uri, CFD-uri \u0219i te po\u021bi folosi chiar de robo\u021bi automa\u021bi care te vor ajuta \u00een determinarea unui trend al unei anumite pie\u021be.<\/p>\n<p>Strategia pe care o vei alege depinde de mai mul\u021bi factori, dintre care cei mai importan\u021bi credem c\u0103 sunt apetitul t\u0103u de risc, intervalul de timp pentru care dore\u0219ti s\u0103 realizezi plasamentul \u0219i, temperamentul pe care \u00eel ai.<\/p>\n<p><strong>Ac\u021biuni individuale<\/strong> \u2013 sunt ideale pentru cei care au timp \u0219i dorin\u021ba de a analiza \u0219i studia diferite companii continuu \u0219i atent. Pe de alt\u0103 parte, dac\u0103 analizele \u0219i situa\u021biile financiare \u00ee\u021bi par limbi str\u0103ine, nimic nu te opre\u0219te s\u0103 alegi o abordare ceva mai pasiv\u0103.<\/p>\n<p><strong>Fondurile index<\/strong> \u2013 sunt ideale pentru persoanele ce nu doresc toat\u0103 b\u0103taia de cap cu care vin ac\u021biunile individuale, ob\u021bin\u00e2nd venituri frumu\u0219ele \u00eentr-un mod ceva mai pasiv. O alternativ\u0103 la fondurile index sunt ETF-urile.<\/p>\n<p><strong>Consilieri robo\u021bi<\/strong> \u2013 \u00een prezent exist\u0103 tot mai multe platforme ce utilizeaz\u0103 astfel de sisteme automatizate pentru realizarea de investi\u021bii la bursa de valori \u00een numele utilizatorilor, \u00een func\u021bie de mai mul\u021bi parametrii seta\u021bi de c\u0103tre ace\u0219tia.<\/p>\n<p>Partea bun\u0103 este c\u0103 po\u021bi combina cu succes mai multe astfel de tactici \u00een realizarea unui portofoliu investi\u021bional.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Pasul 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Decide-cat-de-multi-bani-doresti-sa-investesti\">Decide c\u00e2t de mul\u021bi bani dore\u0219ti s\u0103 investe\u0219ti<\/h3><p>\u00cen primul r\u00e2nd trebuie s\u0103 amintim c\u0103, indiferent de experien\u021ba pe care o ai sau c\u00e2t de bun trader ai fi, <strong>ar trebui s\u0103 cumperi ac\u021biuni la burs\u0103 doar de banii de care nu ai nevoie \u0219i pe care e\u0219ti dispus s\u0103 \u00eei pierzi<\/strong>.<\/p>\n<p>Chiar dac\u0103, general vorbind, trendul bursei de valori a fost unul pozitiv dintotdeauna, pia\u021ba a tot fluctuat \u0219i a avut momente negative. Nu sunt rare situa\u021biile \u00een care, \u00een anumite circumstan\u021be, s\u0103 vedem chiar \u0219i ani cu sc\u0103deri de 10 sau poate chiar 20 %.<\/p>\n<p>Sigur, aceste pierderi cel mai adesea sunt recuperate un an mai t\u00e2rziu, dar nu este deloc u\u0219or s\u0103 vezi cum ale tale plasamente \u00ee\u0219i pierd valoarea.<\/p>\n<p>Iat\u0103 de ce spunem c\u0103 este foarte riscant s\u0103 investe\u0219ti sume de care ai neap\u0103rat\u0103 nevoie.<\/p>\n<p>Sfatul nostru ar fi ca, ini\u021bial, s\u0103 \u00ee\u021bi pl\u0103te\u0219ti toate d\u0103rile lunare, s\u0103 \u00ee\u021bi la\u0219i ceva bani deoparte \u0219i pentru situa\u021bii neprev\u0103zute \u0219i apoi, din sumele r\u0103mase, s\u0103 investe\u0219ti \u00eentre 40 \u0219i 60 % pe bursa de valori.<\/p>\n<p>Iar dac\u0103 \u00eentr-o lun\u0103 chiar nu \u00ee\u021bi mai r\u0103m\u00e2n bani de investi\u021bii, nu \u00ee\u021bi face griji. Vei putea recupera \u00een viitor.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Pasul 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Deschide-un-cont-de-investiti\">Deschide un cont de investi\u021bi<\/h3><p>Pentru a putea investi pe bursa din Rom\u00e2nia, din Europa sau din oricare alte zone, va trebui s\u0103 \u00ee\u021bi deschizi un cont pe una dintre platformele de tranzac\u021bionare existente.<\/p>\n<p>Da, vei putea realiza plasamente \u0219i prin intermediul b\u0103ncilor clasice, dar este important de \u0219tiut c\u0103, de cele mai multe ori, <strong>acestea aplic\u0103 taxe \u0219i comisioane mult mai mari fa\u021b\u0103 de platformele dedicate<\/strong>.<\/p>\n<p>Mai jos am creat un tabel care te va ajuta s\u0103 compari cele mai mari site-uri de la noi din \u021bar\u0103 prin intermediul c\u0103rora vei putea vinde \u0219i cump\u0103ra ac\u021biuni.<\/p>\n<p>Printre cele mai cunoscute platforme prezente \u00een Rom\u00e2nia, putem enumera eToro, XTB, Admiral Markets \u0219i Tradeville.<\/p>\n<p>Deschiderea unui cont de regul\u0103 este foarte u\u0219oar\u0103, mai toate site-urile fiind optimizate astfel \u00eenc\u00e2t s\u0103 fie extrem de simplu de folosit.<\/p>\n<p>Cel mai probabil \u021bi se va cere o poz\u0103 dup\u0103 un act de identitate, iar pentru a putea cump\u0103ra ac\u021biuni la burs\u0103 ale unor companii mai mult sau mai pu\u021bin cunoscute va trebui s\u0103 depui o anumit\u0103 sum\u0103 minim\u0103, cuprins\u0103 de regul\u0103 \u00eentre 50 \u0219i 200 USD.<\/p>\n<p>Cele mai multe dintre platforme \u00ee\u021bi vor pune la dispozi\u021bie \u0219i un cont demonstrativ gratuit cu care vei putea testa diferite strategii investi\u021bionale, iar noi te sf\u0103tuim s\u0103 te folose\u0219ti c\u00e2t po\u021bi de mult de ele.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Pasul 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Alege-actiunile-preferate\">Alege ac\u021biunile preferate<\/h3><p>Acum c\u0103 \u0219tii ce strategie vei folosi, c\u00e2\u021bi bani vei investi \u0219i ce platform\u0103 de burs\u0103 online vei utiliza, este timpul s\u0103 alegi pe ce ac\u021biuni vei paria.<\/p>\n<p><em>\u0218i la acest capitol vrem s\u0103 le oferim ceva sfaturi celor \u00eencep\u0103tori:<\/em><\/p>\n<ul>\n<li>Diversific\u0103-\u021bi portofoliul c\u00e2t po\u021bi de mult \u0219i de bine<\/li>\n<li>Investe\u0219te doar \u00een companii pe care le \u00een\u021belegi, din domenii pe care le cuno\u0219ti m\u0103car c\u00e2t de c\u00e2t<\/li>\n<li>G\u00e2nde\u0219te pe termen lung<\/li>\n<li>Evit\u0103 c\u00e2t po\u021bi de mult ac\u021biunile ce au un grad ridicat de volatilitate<\/li>\n<\/ul>\n<p>Dac\u0103 vrei s\u0103 faci prima investi\u021bie la burs\u0103 azi, ar fi o idee bun\u0103 s\u0103 alegi s\u0103 cumperi doar ac\u021biunile unor companii de renume, pe care le cuno\u0219ti de dinainte \u0219i s\u0103 nu bagi bani \u00een societ\u0103\u021bi de care efectiv nu ai auzit.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                <div class=\"single-article__conclusion-tag\" id=\"step_6\">Ultimul, dar nu cel din urm\u0103 <\/div>\n                <div class=\"single-article__conclusion-item\">\n                    <div class=\"single-article__conclusion-content\">\n                                                <p>Odat\u0103 ce ai \u00eenceput s\u0103 investe\u0219ti, continu\u0103 s\u0103 o faci. Schimb\u0103 companii, strategii, brokeri, \u00eenva\u021b\u0103 continuu \u0219i vei avea doar de c\u00e2\u0219tigat.<\/p>\n<p>Mai to\u021bi investitorii de succes \u00ee\u021bi vor spune c\u0103 cea mai bun\u0103 tactic\u0103 pe care o po\u021bi utiliza este s\u0103 plasezi sume mici, la intervale regulate de timp.<\/p>                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Alegerea_unei_platforme_de_tranzacionare\">Alegerea unei platforme de tranzac\u021bionare<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Iat\u0103 o privire general\u0103 asupra celor mai importan\u021bi 5 brokeri de ac\u021biuni la burs\u0103 disponibili la noi \u00een \u021bar\u0103*.<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter is-style-fn-tables shortcode-embeddable\" id=\"tabel\"><table><thead><tr><th>Platform\u0103<\/th><th><\/th><th>eToro<\/th><th>XTB<\/th><th>Freedom24<\/th><th>Admiral Markets<\/th><th class=\"has-text-align-center\" data-align=\"center\">Tradeville<\/th><\/tr><\/thead><tbody><tr><td><strong>Creare cont<\/strong><\/td><td><\/td><td>0 lei<\/td><td>0 lei<\/td><td>0 lei<\/td><td>0 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 lei<\/td><\/tr><tr><td><strong>Depunere bani<\/strong><\/td><td><\/td><td>0 lei<\/td><td>0 lei prin transfer bancar, \u00eentre 0.7 \u0219i 0.95 % prin card bancar<\/td><td>0 lei<\/td><td>0 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.08 % pentru conturile ce nu sunt \u00een Eur<\/td><\/tr><tr><td><strong>Tranzac\u021bii ac\u021biuni \u0219i ETF-uri<\/strong><\/td><td><\/td><td>0 lei<\/td><td>0 lei pentru de\u021binere p\u00e2n\u0103 \u00een maxim 100.000 Eur; \u00een rest 0.08 &#8211; 0.25 %, min. 10 Eur<\/td><td>1.20 USD per tranzac\u021bie + 0.5 % din pre\u021bul tranzac\u021biei<\/td><td>P\u00e2n\u0103 la 0.5 pips + 0.01 &#8211; 0.02 USD per ac\u021biune (min. 1 USD)<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.5 &#8211; 1 %, min. 7 &#8211; 10 Eur \u00een func\u021bie de pia\u021b\u0103<\/td><\/tr><tr><td><strong>Criptomonede<\/strong><\/td><td><\/td><td>Spread de 0.75 &#8211; 5 %<\/td><td>3.5 Eur per tranzac\u021bie<\/td><td>\u274c<\/td><td>Spread ce porne\u0219te de la 0.3 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">N\/A<\/td><\/tr><tr><td><strong>Indec\u0219i<\/strong><\/td><td><\/td><td>Spread de la 0.75 pips<\/td><td>Spread de la 0.2 pips<\/td><td>\u274c<\/td><td>Spread de la 0.8 pips<\/td><td class=\"has-text-align-center\" data-align=\"center\">Spread cuprins \u00eentre 1 \u0219i 100 pips\u00a0<\/td><\/tr><tr><td><strong>Forex<\/strong><\/td><td><\/td><td>1 &#8211; 50 pips<\/td><td>4 USD per lot + 0.1 &#8211; 0.5 pips spread<\/td><td>\u274c<\/td><td>1.8 &#8211; 3 USD per lot<\/td><td class=\"has-text-align-center\" data-align=\"center\">Spread cuprins \u00eentre 0.6 \u0219i 6 pips\u00a0<\/td><\/tr><tr><td><strong>Bunuri<\/strong><\/td><td><\/td><td>2 &#8211; 20.000 pips<\/td><td>2 &#8211; 20000 pips<\/td><td>\u274c<\/td><td>Spread ce porne\u0219te de la 0.05 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">Spread cuprins \u00eentre 0.6 \u0219i 30 pips\u00a0<\/td><\/tr><tr><td><strong>Depozit minim<\/strong><\/td><td><\/td><td>50 USD<\/td><td>Nu exist\u0103<\/td><td>Nu exist\u0103<\/td><td>50 Eur<\/td><td class=\"has-text-align-center\" data-align=\"center\">3000 lei<\/td><\/tr><tr><td><strong>Tax\u0103 schimb valutar<\/strong><\/td><td><\/td><td>0.5 &#8211; 1.5 %<\/td><td>0.50 %<\/td><td>0 lei<\/td><td>1 %<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 lei<\/td><\/tr><tr><td><strong>Tax\u0103 inactivitate<\/strong><\/td><td><\/td><td>10 USD\/ lun\u0103 dup\u0103 un an<\/td><td>10 Eur\/ lun\u0103 dup\u0103 un an<\/td><td>0 lei<\/td><td>10 Eur\/ lun\u0103 dup\u0103 un an<\/td><td class=\"has-text-align-center\" data-align=\"center\">0 lei<\/td><\/tr><tr><td><strong>Tax\u0103 retragere\u00a0<\/strong><\/td><td><\/td><td>5 USD<\/td><td>0 pentru sume mai mari de 100 Eur; \u00een rest 16 Eur<\/td><td>7 Eur<\/td><td>2 retrageri gratuite pe lun\u0103, apoi 5 Eur<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.08 % pentru conturile ce nu sunt \u00een Eur<\/td><\/tr><tr><td><strong>Copy trading<\/strong><\/td><td><\/td><td>Exist\u0103<\/td><td>Nu exist\u0103<\/td><td>\u274c<\/td><td>Exist\u0103<\/td><td class=\"has-text-align-center\" data-align=\"center\">N\/A<\/td><\/tr><tr><td><strong>Cont demo<\/strong><\/td><td><\/td><td>Da, 100.000 USD virtuali<\/td><td>Da, 50.000 lei virtuali care se reseteaz\u0103 lunar<\/td><td>Da, 10.000 Eur virtuali<\/td><td>Da, 10.000 Eur lunar<\/td><td class=\"has-text-align-center\" data-align=\"center\">Da, 50.000 lei disponibili lunar<\/td><\/tr><tr><td><strong>Tipuri produse<\/strong><\/td><td><\/td><td>Ac\u021biuni, ETF-uri, indec\u0219i, criptomonede, bunuri, forex<\/td><td>Ac\u021biuni, ETF-uri, criptomonede, CFD pe indec\u0219i, bunuri, forex<\/td><td>Ac\u021biuni, ETF-uri, obliga\u021biuni, futures, options<\/td><td>Ac\u021biuni, ETF-uri, indec\u0219i, criptomonede, bunuri, forex, obliga\u021biuni<\/td><td class=\"has-text-align-center\" data-align=\"center\">Ac\u021biuni, obliga\u021biuni, structurate BVB, fonduri de investi\u021bii, CFD pe forex, indici, m\u0103rfuri<\/td><\/tr><tr><td><strong>Produse disponibile<\/strong><\/td><td><\/td><td>Peste 6500<\/td><td>\u00cen jur de 6000<\/td><td>Peste 1 milion<\/td><td>Peste 3000<\/td><td class=\"has-text-align-center\" data-align=\"center\">2900<\/td><\/tr><tr><td><strong>Disponibilitate Bursa de Valori Bucure\u0219ti<\/strong><\/td><td><\/td><td>Nu<\/td><td>Nu<\/td><td>Nu<\/td><td>Nu<\/td><td class=\"has-text-align-center\" data-align=\"center\">Da, cu comisioane de la 0.65 la 0.3 %, \u00een func\u021bie de valoarea portofoliului (min. 1.9 lei)\u00a0<\/td><\/tr><tr><td><strong>Recenzie Financer<\/strong><\/td><td><\/td><td><a href=\"https:\/\/financer.ro\/companie\/etoro\/\" data-type=\"company_single\" data-id=\"6252\">eToro<\/a><\/td><td><a href=\"https:\/\/financer.ro\/companie\/xtb-review\/\" data-type=\"company_single\" data-id=\"18297\">XTB<\/a><\/td><td><a href=\"https:\/\/financer.ro\/companie\/freedom24\/\" data-type=\"company_single\" data-id=\"77975\">Freedom24<\/a><\/td><td>N\/A<\/td><td class=\"has-text-align-center\" data-align=\"center\">N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>* Ordinea plas\u0103rii serviciilor \u00een tabel este dat\u0103 de parteneriatele pe care le avem cu respectivele companii.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Pu0103rerea_echipei_Financer\">P\u0103rerea echipei Financer<\/h3><p>\u00ce\u021bi este greu s\u0103 descifrezi tabelul de mai sus \u0219i s\u0103 \u00een\u021belegi care broker este mai bun pentru a investi la bursa de valori?\u00a0<\/p>\n<p>Ei bine, dac\u0103 ar fi s\u0103 ne ceri opinia, <strong>noi te-am \u00eendruma c\u0103tre eToro<\/strong>, \u00een special pentru c\u0103 e\u0219ti la \u00eenceput de drum. Iat\u0103 \u0219i de ce:<\/p>\n<ul>\n<li>Platforma este una intuitiv\u0103 \u0219i foarte u\u0219or de folosit<\/li>\n<li>Po\u021bi tranzac\u021biona ac\u021biuni \u0219i ETF-uri extrem de simplu, dintr-un simplu click, iar, de regul\u0103, \u00eencep\u0103torii fix cu astfel de produse \u00ee\u0219i lanseaz\u0103 portofoliul investi\u021bional<\/li>\n<li>Toate ac\u021biunile \u00een care investe\u0219ti sunt cu de\u021binere, nu CFD-uri ale lor cum se \u00eent\u00e2mpl\u0103 \u00een cazul altor brokeri<\/li>\n<li>Nu ai taxe de brokeraj la tranzac\u021bionarea de ac\u021biuni \u0219i ETF-uri, singurele costuri sunt date de spread-uri<\/li>\n<li>Po\u021bi achizi\u021biona \u0219i ac\u021biuni frac\u021bionate<\/li>\n<li>Ai func\u021bii dedicate \u00eencep\u0103torilor, cum ar fi CopyTrading \u0219i SmartPortfolios<\/li>\n<\/ul><p class=\"has-text-centered\">\n\t    <a href=\"https:\/\/financer.ro\/companie\/etoro\/redirect\/\" rel=\"sponsored nofollow\" target=\"_blank\" class=\"button is-normal is-primary is-rounded is-large\">Cite\u0219te mai multe despre eToro <\/a>\n\t<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Investiii_la_burs_nceptori__sfaturi_i_strategii\">Investi\u021bii la burs\u0103 \u00eencep\u0103tori \u2013 sfaturi \u0219i strategii<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Deja dac\u0103 ai ajuns \u00een acest punct al lecturii, \u00eenseamn\u0103 c\u0103 \u021bi-ai format c\u00e2t de c\u00e2t o idee despre ce sunt ac\u021biunile \u0219i cum s\u0103 realizezi primele plasamente.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar cum nu nimeni nu dore\u0219te ca ale lor investi\u021bii la bursa de valori s\u0103 \u021bin\u0103 doar de noroc, <strong>vrem s\u0103 \u00ee\u021bi mai oferim c\u00e2teva sfaturi, numai bune celor care sunt la \u00eenceput de drum<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Iat\u0103, deci, care sunt cele mai importante lucruri de care trebuie s\u0103 \u021bii cont pentru a avea o carier\u0103 de trader \u00eencununat\u0103 de succes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ncepe_devreme\">\u00cencepe devreme<\/h3>\n\n\n\n<p class=\"has-text-align-left\">\u0218tii c\u00e2nd spun cei mai mari investitori c\u0103 este momentul ideal de a \u00eencepe s\u0103 investe\u0219ti \u00een burs\u0103? <strong>Ieri!<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Probabil c\u0103 deja \u0219tii celebrele calcule care spun c\u0103 dac\u0103 ai fi investit 100 USD \u00een indicele S&amp;P \u00een 1970 (\u0219i dac\u0103 ai fi reinvestit toate dividendele rezultate), ast\u0103zi ai fi avut \u00een cont peste 18.000 USD.<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"719\" height=\"475\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2024\/05\/investeste-la-bursa.png\" alt=\"\" class=\"wp-image-77846\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/05\/investeste-la-bursa.png 719w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2024\/05\/investeste-la-bursa-300x198.png 300w\" sizes=\"(max-width: 719px) 100vw, 719px\" \/><figcaption class=\"wp-element-caption\">Sursa: <a href=\"https:\/\/www.google.com\/search?q=s%26p+historical+chart&amp;rlz=1C1CHBF_enRO761RO761&amp;oq=S%26P+histo&amp;aqs=chrome.2.0i512l3j69i57j0i512l6.5464j1j7&amp;sourceid=chrome&amp;ie=UTF-8\">Google Finance Charts<\/a><\/figcaption><\/figure><\/div>\n\n\n<p class=\"has-text-align-left\">\u00cens\u0103 haide s\u0103 lu\u0103m \u00een calcul ce s-ar fi \u00eent\u00e2mplat dac\u0103 ai fi investit aceea\u0219i sum\u0103 \u00een anul 2000.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cen primul r\u00e2nd trebuie s\u0103 amintim c\u0103 bursa american\u0103 a avut \u00een acest interval cam patru momente de cump\u0103n\u0103, dou\u0103 majore, dou\u0103 mai pu\u021bin importante, dar totu\u0219i notabile:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Primul fost generat de atentatele de la World Trade Center, <a href=\"https:\/\/www.investopedia.com\/financial-edge\/0911\/how-september-11-affected-the-u.s.-stock-market.aspx\">cauz\u00e2nd pierderi de 1.4 trilioane USD<\/a><\/p>\n<\/li><li><p>Al doilea a fost datorat Marii Crize Economice din 2007 \u2013 2009, <a href=\"https:\/\/en.wikipedia.org\/wiki\/United_States_bear_market_of_2007%E2%80%932009\">c\u00e2nd unele pie\u021be au pierdut chiar \u0219i 50 % din valoare<\/a><\/p>\n<\/li><li><p>Iar al treilea a fost \u00een martie 2020 c\u00e2nd unele pie\u021be au <a href=\"https:\/\/www.forbes.com\/sites\/lizfrazierpeck\/2021\/02\/11\/the-coronavirus-crash-of-2020-and-the-investing-lesson-it-taught-us\/?sh=379fdf7346cf\">sc\u0103zut cu p\u00e2n\u0103 la 15 %<\/a> din cauza virusului COVID-19, revenind destul de rapid, totu\u0219i<\/p>\n<\/li><li><p>Iar ultimul a fost rezultatul r\u0103zboiului din Ucraina, <a href=\"https:\/\/time.com\/nextadvisor\/investing\/stock-market-rattled-by-russia-ukraine\/\">suferind o corec\u021bie de aproape 10 %<\/a>, dar care a fost recuperat\u0103 \u00een doar c\u00e2teva luni<\/p>\n<\/li><\/ul><\/div>\n\n\n<p class=\"has-text-align-left\">Folosind un <a href=\"https:\/\/www.officialdata.org\/us\/stocks\/s-p-500\/2000?amount=1000&amp;endYear=2022\">calculator oficial<\/a>, rezult\u0103 c\u0103 <strong>un plasament de 1000 Eur la \u00eenceputul anului 2000 ar fi ajuns la finele anului trecut la 5244 Eur (profit de 424.48 %).<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Rezult\u0103 un <strong>randament mediu anualizat de 7.16 %<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Pentru a fi corec\u021bi, ar trebui totu\u0219i s\u0103 ajust\u0103m valoarea de la sus la cea a infla\u021biei. Dar tot ar rezulta un profit total de 196.41 %, deci pu\u021bin peste 4.6 % pe an.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Iar acest calcul nu ia \u00een considerare ad\u0103ugarea de noi sume la intervale regulate de timp.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Alege_o_strategie_pe_termen_lung\">Alege o strategie pe termen lung<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Po\u021bi observa \u0219i singur \u00een reprezentarea grafic\u0103 de mai sus a indicelui S&amp;P500 c\u0103 trendul este clar unul pozitiv \u0219i, dup\u0103 cum spuneam, randamentul mediu anualizat pentru ultimii 23 ani a fost de 7.16 %.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Sigur, \u00een intervalul dat au fost ani \u00een care randamentul a fost fie mai mare, fie mai mic fa\u021b\u0103 de aceast\u0103 valoare.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar dac\u0103 alegi s\u0103 investe\u0219ti bani azi f\u0103r\u0103 s\u0103 te g\u00e2nde\u0219ti c\u0103 vei vinde plasamentele \u00een viitorul apropiat, <strong>aproape sigur dup\u0103 10, 20 sau 30 ani te vei bucura \u0219i tu de rezultate similare cu cele din exemplul de mai devreme<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Investete_continuu\">Investe\u0219te continuu<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Atunci c\u00e2nd alegi o strategie pe termen lung \u0219i o combini cu sume investite constant la anumite intervale de timp, rezultatele chiar \u00eencep s\u0103 se vad\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dac\u0103 te g\u00e2nde\u0219ti, mul\u021bi dintre noi avem deja obiceiul de a investi \u00een fiecare lun\u0103. Cam to\u021bi lu\u0103m bani din <a href=\"https:\/\/financer.ro\/finante-personale\/cont-bancar\/\" data-type=\"page\" data-id=\"2930\">contul curent<\/a> \u0219i \u00eei depozit\u0103m \u00een <a href=\"https:\/\/financer.ro\/economii\/cont-de-economii\/\" data-type=\"page\" data-id=\"3327\">contul de economii<\/a>, pentru a-i \u0219tii \u00een siguran\u021b\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Dar ce ar fi dac\u0103, \u00een loc de a-i \u021bine la o dob\u00e2nd\u0103 anual\u0103 de maxim 1%, i-am investi \u00een bursa de valori?<\/em><\/p>\n\n\n\n<p class=\"has-text-align-left\">Hai s\u0103 facem un exerci\u021biu de imagina\u021bie \u0219i s\u0103 zicem c\u0103 investim 100 lei \u00een fiecare lun\u0103 \u00een indicele BET, care <a href=\"https:\/\/stiintabanilor.ro\/randamentul-investitiei-la-bvb-bursa-de-valori-bucuresti\/\">a oferit p\u00e2n\u0103 acum un randament anualizat de aproape 12 %<\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Am ajunge s\u0103 scoatem din buzunar \u00een 10 ani cam 12.100 lei \u0219i am ob\u021bine, dup\u0103 plata impozitului, 20.153 lei. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Practic, <strong>\u00een 10 ani, c\u00e2\u0219tig\u0103m 8000 lei.<\/strong> Dar mai multe astfel de calcule vei putea vedea ceva mai jos.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u0218i \u0219tii care este partea cea mai frumoas\u0103 la aceast\u0103 strategie? <strong>C\u0103 nu trebuie s\u0103 te intereseze care este valoarea unui indice la un anumit timp<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">De ce spunem asta? Pentru c\u0103, investind \u00een fiecare lun\u0103 bani, practic ajungi s\u0103 compensezi perioadele de bear market cu cele de bull market \u0219i rezult\u0103 c\u0103 ajungi s\u0103 cumperi la o valoare medie de pia\u021b\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Haide s\u0103 \u00ee\u021bi mai d\u0103m c\u00e2teva exemple de calcule pe care le-am f\u0103cut folosind strategia prezentat\u0103 aici pentru investi\u021bii la bursa de valori<\/strong>:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">1. Investim 100 lei pe lun\u0103<\/h4>\n\n\n\n<figure class=\"wp-block-table aligncenter is-style-fn-tables shortcode-no\"><table><thead><tr><th>Interval<\/th><th>0%<\/th><th>5%<\/th><th class=\"has-text-align-center\" data-align=\"center\">6%<\/th><th>7%<\/th><th>8%<\/th><th>9%<\/th><\/tr><\/thead><tbody><tr><td>1 an<\/td><td>1.200 lei<\/td><td>1.233  lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.235 lei<\/td><td>1.246 lei<\/td><td>1.253 lei<\/td><td>1.260 lei<\/td><\/tr><tr><td>5 ani<\/td><td>6.000 lei<\/td><td>6.830   lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">7.012 lei<\/td><td>7.201 lei<\/td><td>7.397 lei<\/td><td>7.600 lei<\/td><\/tr><tr><td>10 ani<\/td><td>12.000 lei<\/td><td>15.529  lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">16.470 lei<\/td><td>17.410 lei<\/td><td>18.416 lei<\/td><td>19.497 lei<\/td><\/tr><tr><td>20 ani<\/td><td>24.000 lei<\/td><td>41.274 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">46.435 lei<\/td><td>52.396 lei<\/td><td>59.294 lei<\/td><td>67.290 lei<\/td><\/tr><tr><td>30 ani<\/td><td>36.000  lei<\/td><td>83.572 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">109.538 lei<\/td><td>122.708 lei<\/td><td>150.030 lei<\/td><td>184.447 lei<\/td><\/tr><tr><td>40 ani<\/td><td>48.000  lei<\/td><td>153.237 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">200.144 lei<\/td><td>264.012 lei<\/td><td>351.428 lei<\/td><td>471.643 lei<\/td><\/tr><tr><td>50 ani<\/td><td>60.000  lei<\/td><td>267.971 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">380.612 lei<\/td><td>547.985 lei<\/td><td>798.460 lei<\/td><td>1.175.662 lei<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-left\">Dup\u0103 cum po\u021bi observa, pe termen scurt nu este o foarte mare diferen\u021b\u0103 \u00een rezultate, indiferent de randamentele pe care le-am simulat.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dup\u0103 5 ani de la prima investi\u021bie, diferen\u021ba dintre dob\u00e2nda de 5 % \u0219i cea de 9 % pe an este de aproape 800 lei. <strong>Dar dup\u0103 30 ani, vorbim deja de peste 100.000 lei<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Acesta este efectul pe care fenomenul numit dob\u00e2nd\u0103 compus\u0103 \u00eel poate avea asupra finan\u021belor tale.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p><strong data-rich-text-format-boundary=\"true\">Sfat:<\/strong> vei putea face \u0219i tu singur astfel de simul\u0103ri <a href=\"https:\/\/financer.ro\/calculeaza\/dobanda-compusa\/\">folosindu-te de calculatorul nostru<\/a>.<\/p><\/div>\n\n\n<h4 class=\"wp-block-heading\">2. Investim 500 lei pe lun\u0103<\/h4>\n\n\n\n<p class=\"has-text-align-left\">Iat\u0103 cum ar ar\u0103ta calculele dac\u0103 ar fi s\u0103 investim c\u00e2te 500 lei pe lun\u0103, constant, an de an:<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter is-style-fn-tables shortcode-no\"><table><thead><tr><th>Interval<\/th><th>0%<\/th><th class=\"has-text-align-center\" data-align=\"center\">5%<\/th><th>6%<\/th><th>7%<\/th><th>8%<\/th><th>9%<\/th><\/tr><\/thead><tbody><tr><td>1 an<\/td><td>6.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.165 lei<\/td><td>6.198 lei<\/td><td>6.232 lei<\/td><td>6.266 lei<\/td><td>6.300 lei<\/td><\/tr><tr><td>5 ani<\/td><td>30.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">34.144 lei<\/td><td>35.059 lei<\/td><td>36.005 lei<\/td><td>36.983 lei<\/td><td>37.995 lei<\/td><\/tr><tr><td>10 ani<\/td><td>60.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">77.646 lei<\/td><td>82.349 lei<\/td><td>87.047 lei<\/td><td>92.083 lei<\/td><td>97.483 lei<\/td><\/tr><tr><td>20 ani<\/td><td>120.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">206.372 lei<\/td><td>232.175 lei<\/td><td>261.982 lei<\/td><td>296.473 lei<\/td><td>336.448 lei<\/td><\/tr><tr><td>30 ani<\/td><td>180.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">417.863 lei<\/td><td>504.769 lei<\/td><td>613.543 lei<\/td><td>750.147 lei<\/td><td>922.237 lei<\/td><\/tr><tr><td>40 ani<\/td><td>240.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">766.189 lei<\/td><td>1.000.724 lei<\/td><td>1.320.062 lei<\/td><td>1.757.140 lei<\/td><td>2.358.215 lei<\/td><\/tr><tr><td>50 ani<\/td><td>300.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.339.855 lei<\/td><td>1.903.063 lei<\/td><td>2.739.925 lei<\/td><td>3.992.303 lei<\/td><td>5.878.310 lei<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-left\">La un randament anual de 6 %, ajungem ca <strong>dup\u0103 30 ani s\u0103 depunem efectiv 180.000 lei, dar al nostru portofoliu ar valora 504.769 lei<\/strong>. Deloc r\u0103u, nu?<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">3. Investim 1000 lei pe lun\u0103<\/h4>\n\n\n\n<p class=\"has-text-align-left\">Dac\u0103 ar fi s\u0103 fim sinceri cu noi \u00een\u0219ine, credem c\u0103 nu sunt pu\u021bini aceia dintre noi care \u0219i-ar permite ca \u00een fiecare lun\u0103 s\u0103 investeasc\u0103 chiar \u0219i 1000 lei \u00een bursa de valori. Iar aici lucrurile deja devin interesante:<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter is-style-fn-tables shortcode-no\"><table><thead><tr><th>Interval<\/th><th>0%<\/th><th class=\"has-text-align-center\" data-align=\"center\">5%<\/th><th>6%<\/th><th>7%<\/th><th>8%<\/th><th>9%<\/th><\/tr><\/thead><tbody><tr><td>1 an<\/td><td>12.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">12.330  lei<\/td><td>12.397 lei<\/td><td>12.465 lei<\/td><td>12.533 lei<\/td><td>12.601 lei<\/td><\/tr><tr><td>5 ani<\/td><td>60.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">68.289   lei<\/td><td>70.119 lei<\/td><td>72.011 lei<\/td><td>73.967 lei<\/td><td>75.990 lei<\/td><\/tr><tr><td>10 ani<\/td><td>120.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">155.292  lei<\/td><td>164.699 lei<\/td><td>174.094 lei<\/td><td>184.166 lei<\/td><td>194.966 lei<\/td><\/tr><tr><td>20 ani<\/td><td>240.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">412.745 lei<\/td><td>464.351 lei<\/td><td>523.965 lei<\/td><td>592.947 lei<\/td><td>672.896 lei<\/td><\/tr><tr><td>30 ani<\/td><td>360.000  lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">835.726 lei<\/td><td>1.009.538 lei<\/td><td>1.227.087 lei<\/td><td>1.500.295 lei<\/td><td>1.844.474 lei<\/td><\/tr><tr><td>40 ani<\/td><td>480.000  lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.532.379 lei<\/td><td>2.001.448 lei<\/td><td>2.640.125 lei<\/td><td>3.514.281 lei<\/td><td>4.716.430 lei<\/td><\/tr><tr><td>50 ani<\/td><td>600.000  lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.679.711 lei<\/td><td>3.806.127 lei<\/td><td>5.479.851 lei<\/td><td>7.984.606 lei<\/td><td>11.756.620 lei<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-left\"><strong>Dup\u0103 30 ani de investit am ajunge milionari. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Da, poate c\u0103 pentru asta ar trebui s\u0103 ne impunem anumite restric\u021bii. Ie\u0219im mai rar cu b\u0103ie\u021bii la o bere sau nu ne mai cump\u0103r\u0103m cel mai nou model de telefon imediat dup\u0103 ce acesta apare.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar sincer, credem c\u0103 merit\u0103 aceste mici hai s\u0103 le zicem sacrificii, pentru a \u0219tii c\u0103, finalmente, vom deveni independen\u021bi din punct de vedere financiar.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><h3 id=\"Nu_mai_atepta_ncepe_s_investeti_acum\">Nu mai a\u0219tepta. \u00cencepe s\u0103 investe\u0219ti acum!<\/h3><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/etoro\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"250\" height=\"69\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/04\/etoro.png\" class=\"attachment-full size-full\" alt=\"etoro\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/04\/etoro.png 250w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/04\/etoro-246x69.png 246w\" sizes=\"(max-width: 250px) 100vw, 250px\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>64.690<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Cea mai mare platform\u0103 de tranzac\u021bionare de pe pia\u021b\u0103<\/li><li >Ofer\u0103 acces la peste 5000 produse<\/li><li >Func\u021bii ideale \u00eencep\u0103torilor, cum ar fi Social Trading \u0219i Copy Portfolios<\/li><li >Platform\u0103 tradus\u0103 \u00een limba rom\u00e2n\u0103<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/etoro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"6252\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Deschide-\u021bi un cont acum<\/a><a href=\"https:\/\/financer.ro\/companie\/etoro\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/etoro\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"4.8\">4.8<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/etoro\/#read-reviews\">13<\/strong>&nbsp;recenzii<\/a><\/div><\/div><div class=\"items-content__card-description\" >51 % dintre conturile de investitori de retail pierd bani atunci c\u00e2nd tranzac\u021bioneaz\u0103 CFD-uri cu acest furnizor. Ar trebui s\u0103 v\u0103 g\u00e2ndi\u021bi dac\u0103 \u00een\u021belege\u021bi cum func\u021bioneaz\u0103 CFD-urile \u0219i dac\u0103 v\u0103 pute\u021bi permite s\u0103 v\u0103 asuma\u021bi riscul mare de a v\u0103 pierde banii.<\/div><\/div><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Taxele_i_comisioanele_sunt_importante\">Taxele \u0219i comisioanele sunt importante<\/h3>\n\n\n\n<p class=\"has-text-align-left\"><strong>Toate platformele dedicate investi\u021biilor la bursa de valori vin cu anumite taxe \u0219i comisioane<\/strong> pe care va trebui s\u0103 le supor\u021bi atunci c\u00e2nd le utilizezi \u0219i de care va trebui s\u0103 \u021bii cont la calcularea randamentului final al portofoliului t\u0103u.<\/p>\n\n\n\n<p class=\"has-text-align-left\">De obicei, mare parte a site-urile \u00ee\u021bi vor opri un mic procent din sumele tranzac\u021bionate, \u00een jur de 0.1 %. Iar mai toate au setat\u0103 o sum\u0103 minim\u0103 de, s\u0103 zicem, 29 lei, astfel \u00eenc\u00e2t s\u0103 te determine s\u0103 faci doar achizi\u021bii ceva mai mari.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Exemplu_calcul_comisioane\">Exemplu calcul comisioane<\/h3><p>Hai s\u0103 ne imagin\u0103m c\u0103 urmeaz\u0103 s\u0103 cumperi ac\u021biuni de 2000 lei \u0219i trebuie s\u0103 pl\u0103te\u0219ti o tax\u0103 fix\u0103 pe tranzac\u021bie c\u0103tre platform\u0103 de 29 lei. Asta \u00eenseamn\u0103 c\u0103 ai un cost de 1.45 % <em>(exemplu pur teoretic)<\/em>.<\/p>\n<p>Cu alte cuvinte, de cum investe\u0219ti la burs\u0103 ai \u0219i pornit cu un <strong>deficit de 1.45 % pe care ac\u021biunea achizi\u021bionat\u0103 trebuie s\u0103 \u00eel recupereze pentru a putea spune c\u0103 e\u0219ti pe 0<\/strong>.<\/p>\n<p>Dar stai, c\u0103 asta nu este tot. Acest comision este suportat per tranzac\u021bie. Asta \u00eenseamn\u0103 c\u0103 \u00eel pl\u0103te\u0219ti \u0219i la cump\u0103rare \u0219i la v\u00e2nzare.<\/p>\n<p>S\u0103 zicem c\u0103 \u00een urm\u0103torii 2 ani, ac\u021biunile tale cresc cu 20 % \u0219i decizi s\u0103 le vinzi la un pre\u021b de 2400 lei. \u021ai se aplic\u0103 din nou aceea\u0219i tax\u0103 fix\u0103 de 29 lei, corespunz\u0103toare pentru 1.16 % din suma tranzac\u021bionat\u0103.<\/p>\n<p>Cu toate c\u0103 profitul teoretic ar fi de 400 lei, \u00een realitate, din cauza acestor costuri, ajungi ca de fapt s\u0103 c\u00e2\u0219tigi doar 342 lei, deci 17.1 %, rezult\u00e2nd un profit anualizat de 8.55 %.\u00a0<\/p><\/div>\n\n\n<p class=\"has-text-align-left\">Din exemplul de mai sus se observ\u0103 cu u\u0219urin\u021b\u0103 c\u0103 dac\u0103 faci tranzac\u021bii burs\u0103 mici pe platforme care au astfel de taxe minime, <strong>po\u021bi ajunge ca, \u00eentr-un final, s\u0103 pierzi sume destul de importante<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dac\u0103 te g\u00e2nde\u0219ti pu\u021bin, pentru ca 0.1 % s\u0103 reprezinte 29 lei ar trebui s\u0103 investe\u0219ti 29.000 lei la fiecare tranzac\u021bie.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Deja \u0219tii din exemplele de mai sus c\u0103 orice punct procentual conteaz\u0103 atunci c\u00e2nd investe\u0219ti pe termen lung. Ca atare, trebuie s\u0103 alegi foarte atent site-urile pe care alegi s\u0103 faci trading.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Din fericire, \u0219i aici echipa Financer te poate ajuta. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">\u0218tim c\u0103 multora dintre vizitatorii site-ului nostru le va fi foarte greu s\u0103 \u0219tie ce broker de ac\u021biuni s\u0103 aleag\u0103. \u00cen fond, to\u021bi se laud\u0103 c\u0103 sunt cei mai buni \u0219i cei mai ieftini, dar \u0219tim cu to\u021bii c\u0103 nu are cum s\u0103 fie a\u0219a, nu?<\/p>\n\n\n\n<p class=\"has-text-align-left\">Ei bine, pentru a-\u021bi veni \u00een \u00eent\u00e2mpinare, am creat un articol <strong>dedicat compar\u0103rii celor mai mari brokeri de la noi din \u021bar\u0103<\/strong> pe care \u00eel po\u021bi citi ap\u0103s\u00e2nd butonul de mai jos.<\/p>\n\n\n\n<p><em>Acolo vei putea vedea ce platform\u0103 este ideal\u0103 \u00een func\u021bie de plasamentul pe care dore\u0219ti s\u0103 \u00eel faci.<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/economii\/cum-alegi-cel-mai-bun-broker\/\" class=\"button  is-rounded is-primary is-large is-fullwidth\" target=\"_self\"  >Compar\u0103 brokerii din Rom\u00e2nia<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"ncearc_s_nu_nvingi_piaa\">\u00cencearc\u0103 s\u0103 nu \u00eenvingi pia\u021ba<\/h3>\n\n\n\n<p class=\"has-text-align-left\"><strong>A \u00eenvinge pia\u021ba \u00eenseamn\u0103 a investi \u00een ac\u021biuni care performeaz\u0103 mai bine dec\u00e2t valoarea medie a pie\u021bei. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Cu siguran\u021b\u0103 \u0219tii de acele pove\u0219ti cu persoane care cump\u0103r\u0103 ac\u021biuni la 10 USD \u0219i care apoi le v\u00e2nd trei ani mai t\u00e2rziu cu 150 USD.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Sigur, ar fi nemaipomenit dac\u0103 ai fi at\u00e2t de priceput \u00eenc\u00e2t s\u0103 po\u021bi estima, an de an, care dintre companii vor reu\u0219i performan\u021ba de a-\u0219i dubla pre\u021bul ac\u021biunilor. <strong>Dar, realistic vorbind, este pu\u021bin probabil<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">De fapt, tot mai multe studii arat\u0103 c\u0103 cea mai mare parte a investitorilor nu reu\u0219esc s\u0103 \u00eenving\u0103 pia\u021ba. <\/p>\n\n\n\n<p class=\"has-text-align-left\"><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/investment-pros-cant-beat-the-stock-market-2020-7\">O analiz\u0103 din 2020<\/a> ne prezint\u0103 c\u0103, de-a lungul a 15 ani, <strong>88 % dintre investitorii profesioni\u0219ti nu au reu\u0219it performan\u021ba de a avea randamente mai bune dec\u00e2t media pie\u021bei<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Nici m\u0103car manageri de portofolii ce au studiat la academiile de top din Statele Unite nu reu\u0219esc aceast\u0103 performan\u021b\u0103, iar ei cam \u0219tiu cum investesc la burs\u0103 pentru a avea succes.  <\/p>\n\n\n\n<p class=\"has-text-align-left\">Astfel c\u0103 poate c\u0103 ar fi bine ca noi s\u0103 nici nu \u00eencerc\u0103m s\u0103 o facem. \u0218i \u0219tii vorba aceea american\u0103 ce spune c\u0103 <em>\u201eDac\u0103 nu \u00eei po\u021bi \u00eenvinge, al\u0103tur\u0103-te lor\u201d?<\/em> <\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cen fond, de ce s\u0103 vrei s\u0103 \u00eenvingi pia\u021ba, c\u00e2nd randamentele anuale sunt oricum destul de bune?<\/p>\n\n\n\n<p class=\"has-text-align-left\">Po\u021bi, spre exemplu, s\u0103 alegi s\u0103 investe\u0219ti \u00een <a href=\"https:\/\/financer.ro\/etf\/\">ETF-uri<\/a> sau fonduri index, care reprezint\u0103 o colec\u021bie de ac\u021biuni, de regul\u0103 bazate pe o anumit\u0103 \u021bar\u0103 ori industrie:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Indicele BET este alc\u0103tuit din cele mai performante 17 companii rom\u00e2ne\u0219ti lista la Bursa de Valori din Bucure\u0219ti<\/p>\n<\/li><li><p>DAX este un indice compus din cele mai importante 30 societ\u0103\u021bi nem\u021be\u0219ti listate la Bursa de Valori din Frankfurt<\/p>\n<\/li><li><p>S&amp;P 500 este probabil unul dintre cele mai cunoscute index-uri, fiind compus din cele mai importante 500 companii din Statele Unite, deci, probabil \u0219i din lume<\/p>\n<\/li><\/ul><\/div>\n\n\n<p class=\"has-text-align-left\">Exist\u0103 o mul\u021bime de al\u021bi indici, unii dedica\u021bi anumitor segmente, cum ar fi medicin\u0103, tehnologie, energie regenerabil\u0103 \u0219i multe altele.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cen general astfel de indici \u0219i ETF-uri pot fi tranzac\u021bionate de pe toate platformele dedicate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Diversific_i_portofoliul\">Diversific\u0103-\u021bi portofoliul<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Diversificarea este o strategie prin care \u00ee\u021bi \u00eempar\u021bi investi\u021biile \u00een mai multe buc\u0103\u021bele mai mici, \u00een felul acesta reduc\u00e2nd riscul total.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Hai s\u0103 presupunem c\u0103 ai cump\u0103rat la burs\u0103 ac\u021biuni ale celor mai cunoscute 50 companii americane. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Chiar dac\u0103 una dintre ele se \u00eent\u00e2mpl\u0103 s\u0103 scad\u0103 \u00eentr-un trimestru cu 20 %, rezultatele celorlalte companii vor atenua impactul negativ pe care al t\u0103u portofoliu \u00eel va resim\u021bi.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Un portofoliu diversificat este cheia unei strategii de investi\u021bii pe termen lung de succes.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Ai la dispozi\u021bie dou\u0103 variante prin care \u00ee\u021bi vei putea diversifica investi\u021biile la burs\u0103:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Alegi manual tu acele companii pe care le \u0219tii, pe care le-ai studiat \u0219i investe\u0219ti \u00een ele<\/p>\n<\/li><li><p>Optezi din start pentru o colec\u021bie de ac\u021biuni de tipul indicilor ori a ETF-urilor<\/p>\n<\/li><\/ul><\/div>\n\n\n<p class=\"has-text-align-left\"><strong>Op\u021biunea num\u0103rul doi este adesea cea mai simpl\u0103, ieftin\u0103 \u0219i, da, bun\u0103 variant\u0103.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Nu_investi_la_burs_sume_de_care_tii_c_vei_avea_nevoie_n_viitorul_apropiat\">Nu investi la burs\u0103 sume de care \u0219tii c\u0103 vei avea nevoie \u00een viitorul apropiat<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Dac\u0103 \u00eencerci s\u0103 str\u00e2ngi o anumit\u0103 sum\u0103 pentru a-\u021bi achizi\u021biona o cas\u0103, ori o ma\u0219in\u0103 \u0219i dore\u0219ti s\u0103 faci respectivele achizi\u021bii c\u00e2t mai cur\u00e2nd posibil, atunci poate nu ar fi o idee excelent\u0103 s\u0103 \u00ee\u021bi investe\u0219ti banii \u00een ac\u021biuni la bursa de valori.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Sunt prea multe fluctua\u021bii \u00een pia\u021b\u0103 pentru a risca investi\u021bii pe termen scurt. \u0218ansele s\u0103 pierzi bani sunt realmente mai mari dec\u00e2t cele \u00een care c\u00e2\u0219tigi.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Ca s\u0103 nu mai vorbim de acele taxe \u0219i comisioane \u00eencasate de c\u0103tre platforme care \u0219i ele vor avea un impact asupra randamentului final.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>A\u0219a c\u0103 rezum\u0103-te la a investi doar acele sume de care \u0219tii c\u0103 nu vei avea nevoie \u00een viitorul apropiat, pentru rezultate c\u00e2t mai bune.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Pstreaz_i_cumptul_cnd_bursa_de_valori_scade\">P\u0103streaz\u0103-\u021bi cump\u0103tul c\u00e2nd bursa de valori scade<\/h3>\n\n\n\n<p class=\"has-text-align-left\">\u00cen cariera ta de investitor cu siguran\u021b\u0103 vei trece prin momente \u00een care vei ajunge s\u0103 \u0219i pierzi bani. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Este inevitabil \u0219i cu to\u021bii trecem prin a\u0219a ceva pentru c\u0103, a\u0219a cum ziceam \u0219i mai sus, pia\u021ba mereu trece \u0219i prin perioade de cre\u0219tere, dar \u0219i prin unele de sc\u0103dere.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar iat\u0103 la ce trebuie s\u0103 te g\u00e2nde\u0219ti atunci c\u00e2nd investe\u0219ti pe termen lung: <strong>istoric vorbind, pia\u021ba \u00eentotdeauna a avut un trend ascendent<\/strong>. Chiar dac\u0103 a durat poate ani, mereu a dep\u0103\u0219it rezultatele precedente.<\/p>\n\n\n\n<p class=\"has-text-align-left\">V\u00e2nzarea unor ac\u021biuni atunci c\u00e2nd pia\u021ba este jos este o gre\u0219eal\u0103 de \u00eencep\u0103tor, gre\u0219eal\u0103 pe care o facem atunci c\u00e2nd ne pierdem cu firea \u0219i nu vrem s\u0103 suferim un impact financiar \u0219i mai profund.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Traderii experimenta\u021bi <strong>folosesc<\/strong> <strong>perioadele negative pentru a cump\u0103ra ac\u021biuni noi<\/strong>, reduc\u00e2nd, \u00een felul acesta, pre\u021bul mediu de achizi\u021bie al portofoliului lor.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar \u021bine cont c\u0103 \u0219ansa de a vinde sau de a cump\u0103ra exact \u00een momentele maxime sau minime sunt infime. A\u0219a cum prezenta studiul de mai sus, 88 % dintre profesioni\u0219ti nu reu\u0219esc acest lucru.<\/p>\n\n\n\n<p class=\"has-text-align-left\">A\u0219adar, nu te uita la fiecare punct procentual pierdut sau c\u00e2\u0219tigat c\u00e2nd faci tranzac\u021bii burs\u0103 \u0219i \u021bine minte c\u0103 mereu, dup\u0103 perioade negative vin \u0219i perioade pozitive. <strong>Ai r\u0103bdare \u0219i nu te panica<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Chiar mai mult de at\u00e2t, c\u00e2nd vezi numai ro\u0219u \u00een fa\u021ba ochilor, ia o pauz\u0103 de la a te uita la platforma pe care o utilizezi. Chiar dac\u0103 te ui\u021bi sau nu, plasamentele tale tot la fel vor performa.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar nervii t\u0103i pot avea un impact negativ asupra s\u0103n\u0103t\u0103\u021bii. A\u0219a c\u0103, alege s\u0103 stai relaxat \u0219i s\u0103 nu te enervezi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_s_investeti_la_burs_corect\">Cum s\u0103 investe\u0219ti la burs\u0103 corect<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Am discutat \u00een capitolele precedente despre ce posibilit\u0103\u021bi ai atunci c\u00e2nd te decizi s\u0103 investe\u0219ti la burs\u0103, dar aici vrem s\u0103 \u00ee\u021bi prezent\u0103m ceva mai \u00een detaliu <strong>ce anume trebuie s\u0103 faci pentru a avea cele mai mari \u0219anse de succes<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dup\u0103 cum spuneam, exist\u0103 mai multe op\u021biuni din care po\u021bi alege, cum ar fi ac\u021biuni individuale, indec\u0219i, ETF-uri \u0219i chiar automatiz\u0103ri care vor realiza plasamente \u00een numele t\u0103u.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cens\u0103 atunci c\u00e2nd vine vorba de investi\u021bii la burs\u0103 \u00eencep\u0103tori, cu siguran\u021b\u0103 cea mai bun\u0103 op\u021biune este aceea a plasamentelor pasive.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Cu alte cuvinte, sfatul nostru pentru <strong>to\u021bi cei care sunt la \u00eenceput de drum ar fi s\u0103 se axeze pe indec\u0219i \u0219i ETF-uri<\/strong>, care le ofer\u0103 din start o bun\u0103 diversificare a portofoliului. <\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Credem c\u0103 cel mai sigur este s\u0103 urm\u0103rim pia\u021ba, nu s\u0103 \u00eencerc\u0103m s\u0103 o \u00eenvingem.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"De_ce_sunt_investiiile_pasive_cele_mai_bune\">De ce sunt investi\u021biile pasive cele mai bune?<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Motivul pentru care suger\u0103m c\u0103 investi\u021biile pasive la bursa de valori reprezint\u0103 cea mai bun\u0103 op\u021biune pentru \u00eencep\u0103tori este c\u0103 acestea s-au dovedit c\u00e2\u0219tig\u0103toare de-a lungul timpului, dac\u0103 ar fi s\u0103 privim istoricul pie\u021bei.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Prin intermediul unor astfel de plasamente, ob\u021binem urm\u0103toarele beneficii:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Diversificarea riscului<\/strong>. Investind \u00een indec\u0219i \u0219i ETF-uri, ai automat o bun\u0103 diversificare a portofoliului investi\u021bional deoarece, practic, alegi s\u0103 investe\u0219ti \u00eentr-o mare varietate de ac\u021biuni deodat\u0103.<\/p>\n<\/li><li><p><strong>Este mai ieftin<\/strong>. Nu va trebui s\u0103 pl\u0103te\u0219ti acele comisioane per tranzac\u021bie despre care ziceam mai sus pentru fiecare ac\u021biune achizi\u021bionat\u0103, ci pl\u0103te\u0219ti o singur\u0103 dat\u0103 pentru ETF-ul ales.<\/p>\n<\/li><li><p><strong>Este foarte simplu<\/strong>. Cump\u0103rarea \u0219i p\u0103strarea unui index este mult mai simpl\u0103 dec\u00e2t oricare alt\u0103 strategie investi\u021bional\u0103 dedicat\u0103 ac\u021biunilor individuale.<\/p>\n<\/li><li><p><strong>\u00cenvingi investitorii activi<\/strong>. Mai sus am prezentat cum 88 % din investitorii profesioni\u0219ti activi e\u0219ueaz\u0103 atunci c\u00e2nd \u00eencearc\u0103 s\u0103 \u00eenving\u0103 pia\u021ba. Investind pasiv \u0219i urm\u0103rind trendul pie\u021bei, po\u021bi spune c\u0103 ai rezultate cel pu\u021bin asem\u0103n\u0103toare cu aceasta, f\u0103r\u0103 prea multe b\u0103t\u0103i de cap.<\/p>\n<\/li><li><p><strong>Ai o transparen\u021b\u0103 total\u0103<\/strong>. Vei \u0219tii \u00eentotdeauna \u00een ce ac\u021biuni \u00ee\u021bi sunt investite fondurile, ce rezultate au acestea, din ce domenii fac parte \u0219i a\u0219a mai departe.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Ct_cost_investiiile_pasive\">C\u00e2t cost\u0103 investi\u021biile pasive?<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Costurile anuale cu care va veni un index sau un ETF variaz\u0103 \u00eentre 0.15 \u0219i 1 %.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u0218tim, poate p\u0103rea ceva cam mult. Dar imagineaz\u0103-\u021bi un ETF format din 40 companii. <\/p>\n\n\n\n<p class=\"has-text-align-left\">C\u00e2t de mult ar trebui s\u0103 pl\u0103te\u0219ti pentru a realiza o asemenea diversificare \u00een condi\u021biile \u00een care costul per tranzac\u021bie este de minim 29 lei? (la unii brokeri aceste costuri sunt chiar \u0219i mai mari \u2013 <a href=\"#tabel\">vezi aici<\/a>).<\/p>\n\n\n\n<p class=\"has-text-align-left\">Bine, poate c\u0103 tu nu ai alege s\u0103 investe\u0219ti chiar \u00een toate companiile ce formeaz\u0103 un index \u0219i ai opta doar pentru 12 societ\u0103\u021bi de pe bursa Rom\u00e2nia sau interna\u021bional\u0103. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar chiar \u0219i a\u0219a, costurile anuale totale sigur vor fi mai mari de 1 %.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Cum_investeti_la_burs_online_alegnd_indeci_sau_ETF_uri\">Cum investe\u0219ti la burs\u0103 online aleg\u00e2nd indec\u0219i sau ETF-uri?<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Este extrem de simplu. Tot ce ai de f\u0103cut este s\u0103 alegi o platform\u0103 de tranzac\u021bionare \u0219i s\u0103 cau\u021bi ETF-uri. Iar acolo vei putea g\u0103si zeci de exemple.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><h3 id=\"Investete_n_indeci_sau_ETF_uri_cu_Capitalcom\">Investe\u0219te \u00een indec\u0219i sau ETF-uri cu XTB<\/h3><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ro\/companie\/xtb-review\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"200\" height=\"75\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2021\/09\/xtb.png\" class=\"attachment-full size-full\" alt=\"xtb\" \/><\/a><span class=\"items-content__card-chosen\">Ales <strong>2.760<\/strong> ori<\/span><ul class=\"items-content__card-list\"><li >Po\u021bi investi \u00een peste 3100 produse<\/li><li >Comisioane 0 la investi\u021bia \u00een ac\u021biuni \u0219i ETF-uri cu de\u021binere pentru un rulaj lunar de p\u00e2n\u0103 \u00een 100.000 EUR<\/li><li >Platform\u0103 intuitiv\u0103 \u0219i u\u0219or de utilizat at\u00e2t de pe telefonul mobil, c\u00e2t \u0219i de pe desktop<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container no-data-point\"><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ro\/companie\/xtb-review\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"18297\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Vezi oferta<\/a><a href=\"https:\/\/financer.ro\/companie\/xtb-review\/\"  class=\"button is-rounded items-content__card-more-info\">Detalii aici<\/a><a href=\"https:\/\/financer.ro\/companie\/xtb-review\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_green\" data-rating-value=\"5\">5.0<\/span><\/a><span class=\"items-content__card-reviews\">Cite\u0219te&nbsp;<a href=\"https:\/\/financer.ro\/companie\/xtb-review\/#read-reviews\">1<\/strong>&nbsp;recenzii<\/a><\/div><\/div><div class=\"items-content__card-description\" >CFD-urile sunt instrumente complexe \u0219i au un risc ridicat de a pierde rapid bani din cauza efectului de levier. \u00centre 76 \u0219i 83 % din conturile investitorilor de retail pierd bani atunci c\u00e2nd tranzac\u021bioneaz\u0103 CFD-uri cu acest furnizor.<\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_variaz_preul_aciunilor\">Cum variaz\u0103 pre\u021bul ac\u021biunilor?<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Pre\u021bul unei ac\u021biuni se bazeaz\u0103 \u00een prim\u0103 faz\u0103 pe estimarea valorii reale a societ\u0103\u021bii emitente.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cens\u0103, odat\u0103 lansat\u0103 pe bursa de valori, <strong>ac\u021biunea respectiv\u0103 reflect\u0103 \u00een pre\u021b \u0219i a\u0219tept\u0103rile investitorilor<\/strong> \u00een ceea ce prive\u0219te valoarea viitoare pe care compania o va avea.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Totodat\u0103, mai sunt \u0219i factori externi ce influen\u021beaz\u0103 pre\u021bul unor ac\u021biuni \u2013 diverse schimb\u0103ri legislative, instabilitatea politic\u0103, anumite evenimente globale etc.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Ceea ce to\u021bi \u00eencep\u0103torii trebuie s\u0103 \u00een\u021beleag\u0103 este c\u0103 <strong>pre\u021bul unei ac\u021biuni listate la burs\u0103 nu reflect\u0103 neap\u0103rat valoarea real\u0103 a ac\u021biunii respective<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Un foarte bun exemplu este dat de bula IT care a generat cre\u0219teri incredibile ale pre\u021burilor ac\u021biunilor societ\u0103\u021bilor ce dezvoltau aplica\u021bii de internet dup\u0103 mijlocul anilor 1990 \u0219i p\u00e2n\u0103 prin martie 2000 (a fost numit\u0103 \u0219i \u201e<a href=\"https:\/\/en.wikipedia.org\/wiki\/Dot-com_bubble\">The Dot-com bubble<\/a>\u201d).<\/p>\n\n\n\n<p class=\"has-text-align-left\">Mare parte a acestor societ\u0103\u021bi nu erau profitabile \u0219i multe dintre ele au suferit c\u0103deri semnificative \u00een anii ce au urmat.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar, pentru un interval relativ scurt, valoarea ac\u021biunilor emise de acestea era uria\u0219\u0103 \u2013 <strong>indexul NASDAQ a crescut cu 400 % \u00een acest timp datorit\u0103 lor<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Aadar_ce_influeneaz_preul_aciunilor\">A\u0219adar, ce influen\u021beaz\u0103 pre\u021bul ac\u021biunilor?<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Ca orice tranzac\u021bie comercial\u0103, pre\u021bul ac\u021biunilor este puternic afectat de cerere \u0219i ofert\u0103. <strong>Cu c\u00e2t cererea este mai mare, cu at\u00e2t pre\u021bul unei ac\u021biuni cre\u0219te \u0219i vice-versa<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Revenind la exemplul de mai sus cu bula dot-com, \u00eencep\u00e2nd cu 1995 a fost o cerere extrem de mare pentru ac\u021biuni emise de c\u0103tre societ\u0103\u021bi IT, deoarece se credea c\u0103 ele reprezint\u0103 viitorul.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Totodat\u0103, tot mai multe persoane erau interesate de achizi\u021bia de ac\u021biuni, iar combina\u021bia acestor factori au dus la o cerere uria\u0219\u0103 pentru astfel de plasamente. Normal, pre\u021bul lor a \u00eenceput s\u0103 creasc\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Este oarecum simplu de \u00een\u021beles de ce pre\u021bul unei ac\u021biuni se duce \u00een sus sau \u00een jos \u00eentr-un anumit interval de timp. \u00cen schimb, trebuie s\u0103 dibuim ce \u00eei face pe oameni s\u0103 cumpere \u0219i\/ sau s\u0103 v\u00e2nd\u0103 anumite ac\u021biuni.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Trenduri de moment ale pie\u021bei, decizii politice, declara\u021bii financiare, anun\u021buri inovative, ratele dob\u00e2nzilor \u0219i condi\u021biile economice sunt doar o parte a factorilor care influen\u021beaz\u0103 investitorii s\u0103 \u00ee\u0219i m\u0103reasc\u0103 portofoliul ori s\u0103 renun\u021be la anumite pozi\u021bii deschise.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Iat\u0103 de ce este extrem de dificil s\u0103 \u00ee\u021bi dai seama exact care va fi trendul unei pie\u021be \u0219i de ce mare parte a profesioni\u0219tilor nu reu\u0219esc s\u0103 \u00eenving\u0103 pia\u021ba.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Practic, pentru a reu\u0219i s\u0103 vinzi atunci c\u00e2nd pre\u021bul este la un maxim sau s\u0103 cumperi la un minim, <strong>trebuie ori s\u0103 fii incredibil de norocos<\/strong>, ori s\u0103 ai ceva informa\u021bii pe care publicul general nu le are \u2013 tactic\u0103 ce este ilegal\u0103 \u0219i care poate fi pedepsit\u0103 penal dac\u0103 este utilizat\u0103 la bursa de valori.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Ceea ce orice investitor \u00eencep\u0103tor trebuie s\u0103 \u00een\u021beleag\u0103 este c\u0103, <strong>mai devreme sau mai t\u00e2rziu, pre\u021burile au tendin\u021ba de a se regla singure<\/strong>. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Bula dot-com s-a spart, la fel cu s-a spart \u0219i cea imobiliar\u0103 \u00een 2007 \u2013 2009, la fel ca \u0219i <a href=\"https:\/\/en.wikipedia.org\/wiki\/GameStop_short_squeeze\">nebunia cu GameStop<\/a> de anul trecut.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Ori dac\u0103 cumva nu e\u0219ti atent c\u00e2nd astfel de bule se sparg \u0219i ai cump\u0103rat ac\u021biuni individuale la pre\u021b ridicat, <strong>ri\u0219ti s\u0103 r\u0103m\u00e2i cu ele pe minus ani \u00eentregi<\/strong>. Sau poate nu \u00ee\u021bi vei recupera investi\u021bia niciodat\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Adopt\u00e2nd o politic\u0103 pasiv\u0103 de investi\u021bii la burs\u0103, \u00een primul r\u00e2nd c\u0103 nu vei fi at\u00e2t de puternic afectat atunci c\u00e2nd au loc astfel de c\u0103deri masive ale pre\u021burilor, \u0219ansele de recuperare a investi\u021biilor \u00eentr-un timp mai scurt sunt mult mai mari \u0219i, <strong>poate cel mai important, s\u0103n\u0103tatea ta mental\u0103 nu va fi afectat\u0103<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Nu \u00ee\u021bi po\u021bi imagina c\u00e2t de devastator trebuie s\u0103 fie pentru un investitor \u00eencep\u0103tor s\u0103 vad\u0103 c\u0103 ale lui plasamente \u00ee\u0219i pierd continuu valoarea, iar el nu are ce face \u00een aceast\u0103 privin\u021b\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Concepte_despre_burs\">Concepte despre burs\u0103<\/h2>\n\n\n\n<p class=\"has-text-align-left\"><em>Iat\u0103 cinci concepte utile tuturor celor care se decid s\u0103 investeasc\u0103 \u00een burs\u0103:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p><strong>Randament\/ Profit<\/strong>. Reprezint\u0103 c\u00e2\u0219tigul unui ac\u021bionar de pe urma ac\u021biunilor de\u021binute. Dac\u0103, spre exemplu, ai cump\u0103rat o ac\u021biune la pre\u021bul de 1000 lei, iar ea cre\u0219te cu 10 % \u00eentr-un an, atunci randamentul anual este de 10 %, deci de 100 lei.<\/p>\n<\/li><li><p><strong>Pre\u021bul unei ac\u021biuni<\/strong>. Reprezint\u0103 valoarea ac\u021biunii la bursa de valori \u0219i este exprimat\u0103 \u00een moneda specific\u0103 bursei din \u021bara de origine. Spre exemplu, ac\u021biunile americane au valoarea \u00een USD, \u00een vreme ce variantele rom\u00e2ne\u0219ti au pre\u021bul \u00een lei.<\/p>\n<\/li><li><p><strong>Diversificarea riscului<\/strong>. R\u0103sp\u00e2ndirea investi\u021biei \u00een mai multe variante de plasament, ce vin cu nivele de risc diferite, \u00een felul acesta diversific\u00e2nd \u0219i reduc\u00e2nd riscul de a pierde total sumele tranzac\u021bionate.<\/p>\n<\/li><li><p><strong>Valoarea contabil\u0103 a unei ac\u021biuni<\/strong>. Este un indicator ce arat\u0103 dac\u0103 pre\u021bul ac\u021biunii reflect\u0103 realitatea economic\u0103 a companiei \u0219i este calculat\u0103 ca raportul dintre capitalul propriu \u0219i num\u0103rul de ac\u021biuni emise.<\/p>\n<\/li><li><p><strong>Dividend<\/strong>. Se stabile\u0219te anual, \u00een urma AGA \u0219i reprezint\u0103 plata pe care ac\u021bionarii o vor primi pentru fiecare ac\u021biune de\u021binut\u0103. Nu toate ac\u021biunile emit dividende.<\/p>\n<\/li><li><p><strong>Capitalizarea de pia\u021b\u0103<\/strong>. Reprezint\u0103 suma num\u0103rului de ac\u021biuni, \u00eenmul\u021bit\u0103 cu pre\u021bul unei ac\u021biuni. S\u0103 zicem c\u0103 societatea A are o capitalizare la bursa din Rom\u00e2nia de 100 milioane lei deoarece au \u00een pia\u021b\u0103 50.000 ac\u021biuni, cu un pre\u021b per ac\u021biune de 200 lei.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Bursa_pentru_nceptori__5_strategii_utile\">Bursa pentru \u00eencep\u0103tori \u2013 5 strategii utile<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Poate cel mai important aspect de care trebuie s\u0103 \u021bii cont ca \u00eencep\u0103tor este acela al <strong>diversific\u0103rii<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">F\u0103 mai multe tipuri de plasamente \u2013 \u00een ac\u021biuni mai riscante \u0219i mai sigure, \u00een ETF-uri, \u00een criptomonde etc., \u00een a\u0219a fel \u00eenc\u00e2t investi\u021biile s\u0103 se echilibreze c\u00e2t de c\u00e2t, la fel ca \u0219i riscurile.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u0218tii vorba aceea care spune s\u0103 nu ne punem toate ou\u0103le \u00een acela\u0219i co\u0219? Sfatul este valabil \u0219i la bursa de valori.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Desigur, cu c\u00e2t e\u0219ti mai bine informat \u0219i documentat, cu at\u00e2t va sc\u0103dea riscul la realizarea unui plasament.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Noi, \u00een continuare, \u00ee\u021bi vom prezenta 5 strategii care te vor ajuta s\u0103 realizezi profituri \u00eencep\u00e2nd de ast\u0103zi.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Copiaz_plasamentele_altora\">1. Copiaz\u0103 plasamentele altora<\/h3>\n\n\n\n<p class=\"has-text-align-left\">PROFIT PROBABIL: + 10 % pe an<br>RISC: Mic &#8211; Mare<br>ADAPTAT \u00ceNCEP\u0102TORILOR: Da<\/p>\n\n\n\n<p class=\"has-text-align-left\">Probabil c\u0103 cea mai u\u0219oar\u0103 tactic\u0103 de a investi la burs\u0103 ca \u00eencep\u0103tor este <strong>de a \u00eencerca s\u0103 copiezi ac\u021biunile altor investitori, ceva mai experimenta\u021bi<\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Pe platforma eToro, lucrul acesta nu doar c\u0103 este posibil, ci este chiar \u0219i \u00eencurajat. Cei din conducere se laud\u0103 c\u0103 au inventat un serviciu de Social Investing (un fel de social media pentru investitori).<\/p>\n\n\n\n<p class=\"has-text-align-left\">Astfel, vei putea observa statistici ale ultimelor 12 luni, nivelul de risc etc. al fiec\u0103rui investitor \u00een parte \u0219i te vei putea folosi de func\u021bia CopyTrader, pentru a alege acelea\u0219i plasamente ca \u0219i el.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Folosind aceast\u0103 tactic\u0103, <strong>vei putea face<\/strong> bani u\u0219or \u0219i automat, pe baza cuno\u0219tin\u021belor altor persoane. Desigur, \u00ee\u021bi vei \u0219i asuma riscurile pe care ei \u0219i le asum\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Investete_n_ETF_uri\">2. Investe\u0219te \u00een ETF-uri<\/h3>\n\n\n\n<p class=\"has-text-align-left\">PROFIT PROBABIL: + 8 % pe an<br>RISC: Mic &#8211; Mediu<br>ADAPTAT \u00ceNCEP\u0102TORILOR: Da<\/p>\n\n\n\n<p class=\"has-text-align-left\">O alt\u0103 modalitate foarte u\u0219oar\u0103 de a face bani investind la burs\u0103 ca \u00eencep\u0103tor este <strong>prin intermediul ETF-urilor.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Istoric vorbind, aceste fonduri au avut o cre\u0219tere medie de peste 9 % pe an. Iat\u0103 un exemplu cu cele mai mari trei astfel de fonduri \u0219i evolu\u021bia lor din ultimii 40 ani:<\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignleft size-large\"><img decoding=\"async\" width=\"901\" height=\"213\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2020\/07\/evolutie-bursa.png\" alt=\"bursa online\" class=\"wp-image-11412\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/07\/evolutie-bursa.png 901w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/07\/evolutie-bursa-300x71.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2020\/07\/evolutie-bursa-768x182.png 768w\" sizes=\"(max-width: 901px) 100vw, 901px\" \/><figcaption class=\"wp-element-caption\">Sursa: <a href=\"https:\/\/www.google.com\/finance\">Google Finance<\/a><\/figcaption><\/figure><\/div>\n\n\n<p class=\"has-text-align-left\">Dac\u0103 vrei s\u0103 vezi un astfel de grafic pentru un index anume, tot ce trebuie s\u0103 faci este s\u0103 introduci numele respectivului fond \u00een Google, spre exemplu S&amp;P 500.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Din p\u0103cate, oric\u00e2t de mult am \u00eencercat, nu am reu\u0219it s\u0103 g\u0103sim unul \u0219i \u00een care s\u0103 vedem Bursa de Valori Bucure\u0219ti cota\u021bii.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Dar vei putea observa grafice asem\u0103n\u0103toare <a href=\"http:\/\/www.bvb.ro\/\">aici<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Investiii_n_aciuni_individuale\">3. Investi\u021bii \u00een ac\u021biuni individuale<\/h3>\n\n\n\n<p class=\"has-text-align-left\">PROFIT PROBABIL: 5 &#8211; 50+ % pe an<br>RISC: Mediu &#8211; Ridicat<br>ADAPTAT \u00ceNCEP\u0102TORILOR: Nu<\/p>\n\n\n\n<p class=\"has-text-align-left\"><em>Ai ales o ac\u021biune preferat\u0103? Poate Apple sau Amazon?<\/em><\/p>\n\n\n\n<p class=\"has-text-align-left\">Po\u021bi face foarte mul\u021bi bani aleg\u00e2nd s\u0103 mergi pe m\u00e2na unei ac\u021biuni individuale. De fapt, cei mai mul\u021bi bani din a\u0219a ceva se c\u00e2\u0219tig\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar, \u00een acela\u0219i timp, strategii de felul acesta sunt foarte greu de \u00eenv\u0103\u021bat \u0219i \u00ee\u021bi trebuie ani de experien\u021b\u0103 \u0219i sute de ore petrecute pe platforme dedicate plasamentelor, pentru a \u0219tii exact c\u00e2nd s\u0103 cumperi \u0219i c\u00e2nd s\u0103 vinzi o ac\u021biune.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dac\u0103 e\u0219ti ceva mai prev\u0103z\u0103tor din fire, <strong>\u00ee\u021bi recomand\u0103m s\u0103 nu aplici strategia aceasta<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Investiii_active\">4. Investi\u021bii active<\/h3>\n\n\n\n<p class=\"has-text-align-left\">PROFIT PROBABIL: 9+ % pe an<br>RISC: Mediu &#8211; Ridicat<br>ADAPTAT \u00ceNCEP\u0102TORILOR: Nu<\/p>\n\n\n\n<p class=\"has-text-align-left\">Dac\u0103 \u00ee\u021bi place s\u0103 fii ceva mai activ pe bursa de valori \u0219i chiar \u00een\u021belegi cum func\u021bioneaz\u0103 totul, atunci investi\u021biile active pot fi ideale pentru tine.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u00cen timpul perioadelor c\u00e2nd pia\u021ba este sus, \u00een loc s\u0103 stai inactiv \u0219i s\u0103 a\u0219tep\u021bi dividende, tu, ca investitor activ, po\u021bi face ceva mai mul\u021bi bani.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Desigur, <strong>riscurile pe care \u021bi le asumi vor fi unele mai mari fa\u021b\u0103 de investitorii pasivi<\/strong>, dar, urm\u0103rind \u0219tirile \u0219i dezvolt\u0103rile economice la nivel mondial, vei putea estima cum va evolua costul unor anumite ac\u021biuni \u0219i vei putea lua m\u0103suri \u00een consecin\u021b\u0103.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Cumperi c\u00e2nd crezi c\u0103 pre\u021bul va cre\u0219te, vinzi c\u00e2nd preconizezi sc\u0103deri \u0219i a\u0219a mai departe. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Dar pentru asta, va fi nevoie s\u0103 te implici activ \u00een procesul de tranzac\u021bionare \u0219i s\u0103 fii atent la toate \u0219tirile posibile despre companiile pe care le urm\u0103re\u0219ti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i5_Investiii_pasive\">5. Investi\u021bii pasive<\/h3>\n\n\n\n<p class=\"has-text-align-left\">PROFIT PROBABIL: 8 % pe an<br>RISC: Sc\u0103zut &#8211; Mediu<br>ADAPTAT \u00ceNCEP\u0102TORILOR: Da<\/p>\n\n\n\n<p class=\"has-text-align-left\">Investi\u021biile pasive sunt fix opusul celor amintite pu\u021bin mai sus. <strong>Sunt dedicate persoanelor care nu doresc s\u0103 \u00ee\u0219i bat\u0103 capul prea tare cu plasamentele realizate.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left\">Astfel, alegi op\u021biuni ceva mai sigure, de forma CopyTrading sau a fondurilor mutuale prezentate mai devreme \u0219i a\u0219tep\u021bi ca la final de exerci\u021biu financiar s\u0103 \u00ee\u021bi prime\u0219ti dividendele.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"u00centrebu0103ri_frecvente_despre_bursu0103\">\u00centreb\u0103ri frecvente despre burs\u0103<\/h3><h4>Ce este bursa?<\/h4><div class=\"faq_inner\"><p>Bursa este o institu\u021bie ce \u021bine de o anumit\u0103 zon\u0103 (spre exemplu Bursa de la Londra, <a href=\"https:\/\/financer.ro\/wiki\/bvb-bursa-de-valori\/\">Bursa din Bucure\u0219ti<\/a> etc.) prin intermediul c\u0103reia vei putea tranzac\u021biona ac\u021biuni.<\/p><\/div><h4>Cum s\u0103 joci la burs\u0103?<\/h4><div class=\"faq_inner\"><p>Din p\u0103cate, la noi \u00een \u021bar\u0103 aceast\u0103 \u00eentrebare este echivalent\u0103 cu <em>\u201ecum s\u0103 investe\u0219ti la burs\u0103?\u201d<\/em>. Mul\u021bi nu \u00een\u021beleg ce e bursa \u0219i faptul c\u0103 aceasta nu este deloc o joac\u0103, ci este o activitate c\u00e2t se poate de serioas\u0103, care, dac\u0103 nu este \u00een\u021beleas\u0103, poate genera pierderi financiare semnificative.<\/p>\n<p>\u00cen articolul de aici credem noi c\u0103 am explicat pe \u00eendelete tot ce trebuie s\u0103 \u0219tii ca \u00eencep\u0103tor \u00eenainte de a te decide s\u0103 cumperi ac\u021biuni.<\/p><\/div><h4>Cum s\u0103 c\u00e2\u0219tigi la burs\u0103?<\/h4><div class=\"faq_inner\"><p>Noi credem c\u0103 cel mai sigur mod de a c\u00e2\u0219tiga bani la burs\u0103 este prin strategia de investit pasiv, prezentat\u0103 \u0219i pu\u021bin mai sus.<\/p><\/div><h4>C\u00e2t po\u021bi c\u00e2\u0219tiga la burs\u0103?<\/h4><div class=\"faq_inner\"><p>A\u0219a cum am prezentat \u0219i \u00een exemplul de calcul din articol, la o investi\u021bie lunar\u0103 de 1000 lei, \u00een 30 ani po\u021bi ajunge milionar. Practic, f\u0103cute cu cap, plasamentele bursiere pot aduce c\u00e2\u0219tiguri extrem de bune, cu randamente medii anuale ce dep\u0103\u0219esc 8 \u2013 9 %.<\/p><\/div><h4>Cum cumperi ac\u021biuni la burs\u0103?<\/h4><div class=\"faq_inner\"><p>Pentru a putea achizi\u021biona ac\u021biuni la burs\u0103, va trebui \u00een primul r\u00e2nd s\u0103 \u00ee\u021bi faci cont pe una dintre platformele de tranzac\u021bionare disponibile \u00een \u021bara noastr\u0103.<\/p><\/div><h4>La ce or\u0103 se deschide bursa din New York?<\/h4><div class=\"faq_inner\"><p>Bursa din Statele Unite se deschide la 16:30, ora noastr\u0103.<\/p><\/div><h4>C\u00e2nd se deschide Bursa de Valori Bucure\u0219ti<\/h4><div class=\"faq_inner\"><p>BVB se deschide la ora 10:00.<\/p><\/div><h4>Care este suma minim\u0103 de investit la burs\u0103?<\/h4><div class=\"faq_inner\"><p>Depinde de platforma pe care o utilizezi. Pentru unele dintre ele trebuie s\u0103 depui minim 50 USD, iar pentru altele 200 USD dac\u0103 dore\u0219ti s\u0103 realizezi investi\u021bii burs\u0103.<\/p><\/div><\/div>\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Surse_folosite_la_scrierea_articolului\">Surse folosite la scrierea articolului<\/h3><ul>\n<li><a href=\"https:\/\/www.investopedia.com\/financial-edge\/0911\/how-september-11-affected-the-u.s.-stock-market.aspx\" target=\"_blank\" rel=\"noopener\">Investopedia &#8211; criza generat\u0103 de atacurile de la 11 septembrie<\/a><\/li>\n<li><a href=\"https:\/\/www.forbes.com\/sites\/lizfrazierpeck\/2021\/02\/11\/the-coronavirus-crash-of-2020-and-the-investing-lesson-it-taught-us\/?sh=379fdf7346cf\" target=\"_blank\" rel=\"noopener\">Forbes &#8211; criza generat\u0103 de coronavirus<\/a><\/li>\n<li><a href=\"https:\/\/stiintabanilor.ro\/randamentul-investitiei-la-bvb-bursa-de-valori-bucuresti\/\" target=\"_blank\" rel=\"noopener\">\u0218tiin\u021babanilor &#8211; randamente BVB<\/a><\/li>\n<li><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/investment-pros-cant-beat-the-stock-market-2020-7\" target=\"_blank\" rel=\"noopener\">Businessinsider &#8211; investitorii profesioni\u0219ti nu pot \u00eenvinge pia\u021ba<\/a><\/li>\n<li><a href=\"https:\/\/en.wikipedia.org\/wiki\/United_States_bear_market_of_2007%E2%80%932009\" target=\"_blank\" rel=\"noopener\">Wikipedia &#8211; criza din 2007 &#8211; 2009<\/a><\/li>\n<li><a href=\"https:\/\/en.wikipedia.org\/wiki\/Dot-com_bubble\" target=\"_blank\" rel=\"noopener\">Wikipedia &#8211; bula dot-com<\/a><\/li>\n<li><a href=\"https:\/\/en.wikipedia.org\/wiki\/GameStop_short_squeeze\" target=\"_blank\" rel=\"noopener\">Wikipedia &#8211; bula GameStop<\/a><\/li>\n<\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>Vrei s\u0103 \u00eencepi s\u0103 investe\u0219ti pe bursa de valori, dar \u00ee\u021bi este cumva team\u0103 deoarece nu ai suficient de multe\u2026 <\/p>\n","protected":false},"author":77,"featured_media":11413,"parent":1200,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[42],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/11395"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=11395"}],"version-history":[{"count":49,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/11395\/revisions"}],"predecessor-version":[{"id":79085,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/11395\/revisions\/79085"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/pages\/1200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media\/11413"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=11395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=11395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/tags?post=11395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}