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Forum - Bambino • Poglej temo - kam vlagate denar

kam vlagate denar

kam vlagate denar

OdgovorNapisal/-a Maliska » To Jun 20, 2006 7:04 am

Maliska
Bambino najstnik
 
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OdgovorNapisal/-a Wicka » So Jun 24, 2006 12:09 pm

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Wicka
Bambino začetnik
 
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OdgovorNapisal/-a Vanja » So Jun 24, 2006 12:47 pm

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Vanja
nič drugega ni pomembno
 
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OdgovorNapisal/-a bambina » To Jul 25, 2006 5:55 pm

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bambina
Bambino korenjak
 
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OdgovorNapisal/-a Vera » To Jul 25, 2006 8:07 pm

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Vera
Bambino frik
 
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OdgovorNapisal/-a johndeer » To Jul 25, 2006 9:38 pm

Jebi ga, tak tip sem?!
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johndeer
Bambino korenjak
 
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OdgovorNapisal/-a igla » Sr Jul 26, 2006 8:55 pm

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igla
Bambino navdušenec
 
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OdgovorNapisal/-a Vera » Pe Jul 28, 2006 7:52 am

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Vera
Bambino frik
 
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OdgovorNapisal/-a Maliska » Če Sep 14, 2006 7:30 am

Maliska
Bambino najstnik
 
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OdgovorNapisal/-a studijska » Sr Sep 20, 2006 10:53 am

A ima kdo slučajno izkušnje s kakšnimi konkretnimi skladi?
studijska
Bambino dojenček
 
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Pridružen: To Sep 19, 2006 4:22 pm

OdgovorNapisal/-a Vanja » Sr Sep 20, 2006 11:13 am

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Vanja
nič drugega ni pomembno
 
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OdgovorNapisal/-a drevored » Sr Sep 20, 2006 12:28 pm

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drevored
Bambino dirkač
 
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OdgovorNapisal/-a studijska » Sr Sep 20, 2006 12:57 pm

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Bambino dojenček
 
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OdgovorNapisal/-a Love » Ne Okt 29, 2006 7:27 pm

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Love
Bambino dojenček
 
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OdgovorNapisal/-a Love » Ne Okt 29, 2006 7:28 pm

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Love
Bambino dojenček
 
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OdgovorNapisal/-a Tarika » Ne Okt 29, 2006 10:11 pm

Še dobro, da ga nimam toliko, da bi ga morala kam vlagat. :wink:
Več denarja - več skrbi...
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Tarika
Bambino moje življenje
 
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Pridružen: Če Jun 15, 2006 3:37 pm

OdgovorNapisal/-a studijska » Po Okt 30, 2006 10:25 am

studijska
Bambino dojenček
 
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Pridružen: To Sep 19, 2006 4:22 pm

OdgovorNapisal/-a taja » Ne Okt 21, 2007 4:39 pm

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taja
Bambino navdušenec
 
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OdgovorNapisal/-a Vanja » Ne Okt 21, 2007 5:02 pm

Če imaš na razpolago malce večjo vsoto denarja se vsekakor najbolj splača direktno vlaganje v sklade.

Ostalo (čemur jaz nikakor nisem naklonjena) je vlaganje v razna zavarovanja za naše otroke z manjšimi mesečnimi vložki.

Če imaš npr. namen voližiti nekaj več denarja (npr. vsaj 500 EUR) se ti najbolje splača vložiti direkno v sklad in ga tam pustitii dlje časa. Nikakor ni tega denarja potem priporočljivo dvigovat lahko pa ga prenašaš med skladi. Seveda ga lahko tudi dvigneš ampak s tem se donos konča.

Sistem donosa pri vzajemnih skladih si lahko izračunaš napr. takole:

PRIMER:
V en sklad vložiš recimo 10.000 denarnih enot. Realno lahko v skladih računaš na 12% donos letno. Vendar če voložiš v pravega je bistveno več tudi 30, 40% in več.

Kako izračunaš koliko boš imela dobička po letih če vzamemo 12% donos?

1. leto 10.000 + (10.000 * 0,12) = 11.200
2. leto 11.200 + (11.200 *0,12) = 12.544
3. leto 12.544 + (12.544 * 0,12) = 14.049,28

10. leto = 31.058,48
20. leto = 96.462,93

sedaj pa kar pomisli kje bi imela take donose? Pri izračunih pa sem upoštevala konstanten 12% donos (vendar donosi varirajo). Lahko si izračunaš kakšni bi bili če vložiš v sklad ki ima 30% donose ali več.

Kateri skladi imajo dobre donose lahko pogledaš in spremljš tukaj http://www.vzajemci.com/ (napisano je tudi za tri leta)

Največje donose imajo najbolj tvegani skladi (vlaga se v delnice) lahko pa se odločiš tudi za sklade kjer skoraj ni tveganja vendar imaš pri tem nižje donose.
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Vanja
nič drugega ni pomembno
 
Prispevkov: 7231
Pridružen: Pe Maj 26, 2006 12:46 pm
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OdgovorNapisal/-a drevored » Ne Okt 21, 2007 5:17 pm

tale izračun se sliši obetavno
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drevored
Bambino dirkač
 
Prispevkov: 5848
Pridružen: To Jun 27, 2006 5:23 pm
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