{"id":628,"date":"2020-10-19T11:10:27","date_gmt":"2020-10-19T08:10:27","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=628"},"modified":"2020-10-19T11:10:28","modified_gmt":"2020-10-19T08:10:28","slug":"ce-este-un-fond-de-investitii-si-care-sunt-avantajele-lui","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/ce-este-un-fond-de-investitii-si-care-sunt-avantajele-lui\/","title":{"rendered":"Ce este un fond de investi\u021bii \u0219i care sunt avantajele lui"},"content":{"rendered":"

Componentele vie\u021bii noastre sociale s-au diversificat foarte mult, motiv pentru care ne dorim s\u0103 tr\u0103im la maximum prezentul \u0219i s\u0103 ne bucur\u0103m de tot ce avem \u00een jurul nostru. Iar asta vine la pachet cu obiective noi, cu planuri m\u0103re\u021be, cu \u00eencercarea de a ne preg\u0103ti viitorul cel pu\u021bin din punct de vedere financiar.<\/p>\n

\u00cencepem s\u0103 str\u00e2ngem bani, ne g\u00e2ndim la diverse idei de afaceri<\/a>, ne document\u0103m mai mult alegerile pe care le facem, astfel \u00eenc\u00e2t s\u0103 adun\u0103m informa\u021bi despre toate resursele pe care le avem \u00een dezvoltarea noastr\u0103. De aceea, credem c\u0103 este foarte important s\u0103 afli ce este un fond de investi\u021bii \u0219i cum poate el contribui la viitorul t\u0103u.<\/p>\n

Ce este un fond de investi\u021bii?<\/h2>\n

Instrumentele bancare ne-au maturizat foarte mult comportamentul financiar \u0219i astfel am \u00een\u021beles c\u0103 sunt diverse metode moderne prin care putem s\u0103 punem bani deoparte \u0219i s\u0103 \u00eei protej\u0103m, cum ar fi depozitele bancare<\/a>.<\/p>\n

Ce facem \u00eens\u0103 c\u00e2nd ne dorim ceva mai mult de la economiile noastre? C\u00e2nd vrem s\u0103 \u00eei investim, s\u0103 \u00eei multiplic\u0103m, \u00eens\u0103 nu avem cuno\u0219tin\u021bele \u0219i experien\u021ba necesar\u0103 pentru a ne asuma singuri aceste riscuri? Fondurile de investi\u021bii pot fi unul dintre r\u0103spunsurile ideale la aceast\u0103 \u00eentrebare, deoarece \u00ee\u021bi permit s\u0103 te al\u0103turi unor al\u021bi investitori pentru a investi \u00eempreun\u0103 \u00een instrumente financiare.<\/p>\n

Un fond de investi\u021bii reprezint\u0103 o sum\u0103 de bani cumulat\u0103 de la tine \u0219i de la mai mul\u021bi investitori, gestionat\u0103 de Societ\u0103\u021bile de administrare a investi\u021biilor (SAI), care investe\u0219te banii vo\u0219tri \u00een instrumente potente financiar, av\u00e2nd o echip\u0103 de speciali\u0219ti \u0219i un portofoliu consistent cu experien\u021b\u0103 anterioar\u0103 (cump\u0103r\u00e2nd ac\u021biuni ale companiilor, obliga\u021biuni, titluri de stat, etc).<\/p>\n

Procesul care define\u0219te cel mai bine un fond de investi\u021bii \u00eencepe cu achizi\u021bionarea uneia sau mai multor unit\u0103\u021bi de fond cu banii economisi\u021bi de tine. VUAN-ul sau valoarea unei unit\u0103\u021bi de fond variaz\u0103 \u0219i se calculeaz\u0103 zilnic. Prin intermediul unui distribuitor (o re\u021bea bancar\u0103<\/a> care intermediaz\u0103 v\u00e2nzarea\/ cump\u0103rarea), vei putea achizi\u021biona unit\u0103\u021bi de fond, iar ulterior prime\u0219ti o confirmare de tranzac\u021bionare. Valoarea total\u0103 a unit\u0103\u021bilor de fond cump\u0103rate de tine \u0219i de ceilal\u021bi investitori reprezint\u0103 activul net al fondului \u0219i va fi direc\u021bionat\u0103 de administratorul fondului c\u0103tre diverse instrumente financiare din pia\u021b\u0103. \u00centreaga pia\u021b\u0103 de capital \u0219i respectarea legisla\u021biei este supravegheat\u0103 \u0219i reglementat\u0103 de Autoritatea de Supraveghere Financiar\u0103 (ASF).<\/p>\n

Fondurile de investi\u021bii se \u00eempart \u00een dou\u0103 mari categorii: \u00eenchise \u0219i deschise. Fondurile \u00eenchise de investi\u021bii sunt prestabilite: cump\u0103rarea\/ r\u0103scump\u0103rarea unit\u0103\u021bilor de fond se fac doar \u00een intervale de timp specifice \u0219i au o durat\u0103 limitat\u0103 de func\u021bionare. \u00cen timp ce fondurile deschise de investi\u021bii permit cump\u0103rarea\/ r\u0103scump\u0103rarea unit\u0103\u021bilor de fond zilnic, iar \u00een func\u021bie de politica de investi\u021bii, de perioada investi\u021biei (pe termen scurt, mediu \u0219i lung), de riscul asumat \u0219i de poten\u021bialul c\u00e2\u0219tig, acestea se \u00eempart \u00een mai multe categorii.<\/p>\n

Avantajele unui fond de investi\u021bii<\/h2>\n

Principalul avantaj al fondurilor de investi\u021bii este poten\u021bialul c\u00e2\u0219tig, care pe termen mediu sau lung poate fi mai benefic dec\u00e2t alte instrumente financiare (cont curent, cont de economii, depozite bancare, etc).<\/p>\n

Un alt aspect important al fondurilor de investi\u021bii este c\u0103 nu ai nevoie de toate cuno\u0219tin\u021bele \u0219i experien\u021ba necesar\u0103 pentru a lua decizii m\u0103re\u021be \u00een leg\u0103tur\u0103 cu viitorul economiilor tale. Dar ele vor fi administrate \u00een mod profesionist de c\u0103tre speciali\u0219ti \u00een achizi\u021bii de ac\u021biuni ale companiilor listate la burs\u0103<\/a>, obliga\u021biuni \u0219i alte instrumente asem\u0103n\u0103toare.<\/p>\n

Sumele minime de intrare (aproximativ 500 lei) sunt at\u00e2t de avantajoase, \u00eenc\u00e2t po\u021bi \u00eencepe chiar \u0219i cu o parte din venitul lunar, f\u0103r\u0103 s\u0103 ai deja economii puse deoparte. Iar comisioanele unui fond de investi\u021bii sunt mai avantajoase dec\u00e2t cele ale unui investitor independent. Astfel, tot ce \u00eenseamn\u0103 administrare se \u00eemparte la to\u021bi investitorii unui fond.<\/p>\n

Flexibilitatea pe care o ofer\u0103 fondurile deschise de investi\u021bie reprezint\u0103 un alt avantaj. Faptul c\u0103 po\u021bi investi continuu prin achizi\u021bionarea de noi unit\u0103\u021bi de fond sau c\u0103 \u00ee\u021bi po\u021bi retrage banii prin v\u00e2nzarea acestora \u00ee\u021bi ofer\u0103 mai mult\u0103 libertate dec\u00e2t oricare alte instrumente financiare.<\/p>\n

Accesibilitatea \u00een pia\u021b\u0103 pe care o ai este fantastic\u0103. \u00cen calitate de investitor tu utilizezi un singur instrument \u0219i anume unit\u0103\u021bi de fond, ce pot fi direc\u021bionate c\u0103tre diverse tipuri de investi\u021bii a c\u0103ror evolu\u021bie o po\u021bi urm\u0103ri zilnic \u00een ziare sau \u00een publica\u021bii online. Iar acest lucru \u00ee\u021bi cre\u0219te \u0219ansa de profit.<\/p>\n

Dac\u0103 nu te-ai apucat \u00eenc\u0103 de economisit, \u00eencearc\u0103 s\u0103 ai o zi f\u0103r\u0103 cheltuieli<\/a>. Cine \u0219tie, poate o s\u0103 faci un obicei s\u0103pt\u0103m\u00e2nal din asta \u0219i \u00een scurt timp s\u0103 \u00ee\u021bi deschizi apetitul \u0219i interesul pentru un fond de investi\u021bii.<\/p>\n","protected":false},"excerpt":{"rendered":"

Maximizeaz\u0103-\u021bi economiile prin investi\u021bii variate. Afl\u0103 ce sunt fondurile de investi\u021bii, cum po\u021bi avea ac\u021biuni la cele mai mari companii cu sume minime \u0219i cum \u00ee\u021bi po\u021bi cre\u0219te substan\u021bial \u0219ansa de profit.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-628","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nCe este un fond de investi\u021bii \u0219i care sunt avantajele lui - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 cum \u00ee\u021bi po\u021bi cre\u0219te economiile cu fonduri de investi\u021bii: minim, sigur \u0219i flexibil.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cursvalutar.ro\/blog\/ce-este-un-fond-de-investitii-si-care-sunt-avantajele-lui\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce este un fond de investi\u021bii \u0219i care sunt avantajele lui - 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