{"id":19128,"date":"2021-02-07T08:35:00","date_gmt":"2021-02-07T08:35:00","guid":{"rendered":"http:\/\/catalinx.ro\/wordpress\/?p=19128"},"modified":"2021-02-06T21:09:14","modified_gmt":"2021-02-06T21:09:14","slug":"investitorii-primaverii","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=19128","title":{"rendered":"Investitorii prim\u0103verii"},"content":{"rendered":"
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Adic\u0103 aia care sunt ie\u0219i\u021bi din ou iarna asta \u0219i se poart\u0103 ca proasp\u0103t ecloza\u021bi. <\/p>\n\n\n\n

Ia fi\u021bi aten\u021bi un pic aici. <\/p>\n\n\n\n

Statul rom\u00e2n e dup\u0103 voi c\u0103lare s\u0103 v\u0103 ia banii – zic asta ca deja \u00eemi apar \u00een facebook articole promovate care laud\u0103<\/a> produsele \u0103stea \u00eentr-un fel sau altul. C\u0103 sunt sigure, c\u0103 pula mea. <\/p>\n\n\n\n

B\u0103i, sigure sunt, fa\u021b\u0103 de alte produse investi\u021bionale, nu \u00eencape vorb\u0103. \u0218i DAC\u0102 ave\u021bi o roat\u0103 de bani care b\u0103lte\u0219te degeaba \u00een conturi \u0219i nu ave\u021bi nevoie de ea timp de un an \u0219i nici nu \u0219ti\u021bi face ceva mai bun cu banii \u0103ia – merit\u0103. <\/strong><\/p>\n\n\n\n

Dec\u00e2t s\u0103 nu prime\u0219ti nimic, sau pula prin gur\u0103 \u00eentr-un depozit la termen, mai bine (re)finan\u021bezi statul \u0219i c\u00e2\u0219tig\u0103 \u0219i el un \u00eemprumut \u00een condi\u021bii mai bune dec\u00e2t ne dau str\u0103inii, c\u0103 str\u0103inii ie r\u0103i<\/em> \u0219i se iau dup\u0103 ratinguri interna\u021bionale de la agen\u021bii de tip S&P , sau Moody. <\/p>\n\n\n\n

Ca siguran\u021b\u0103, de\u0219i standardul curent al Rom\u00e2niei este \u201eBBB minus\u201d, ultimul recomandat investi\u021biilor<\/a>, nu trebuie s\u0103 v\u0103 \u00eengrijora\u021bi. C\u00e2t\u0103 vreme locui\u021bi \u0219i munci\u021bi \u00een \u021bara aia, capitalul vostru de \u00eencredere e mai important dec\u00e2t cel al S&P. Adic\u0103 voi ave\u021bi deja investi\u021bii acolo, o cas\u0103, un copil , un dracu \u0219tie – standardul \u0103la de cas\u0103 vi se aplic\u0103 \u0219i vou\u0103, dac\u0103 nu mai ave\u021bi \u00eencredere \u00een statul rom\u00e2n e cazul s\u0103 vinde\u021bi s\u0103 face\u021bi alte \u0103lea, nu s\u0103 v\u0103 \u00eengrijora\u021bi dac\u0103 v\u0103 mai d\u0103 banii pe titlurile Tezaur. <\/p>\n\n\n\n

Dar ca investi\u021bie este DIN START o idee proast\u0103, comparativ cu altele zic. B\u0103, din start, nu c\u0103 a\u0219a. <\/p>\n\n\n\n

Infla\u021bia \u00een 2019<\/a><\/strong> a fost 3.8% la lei. \u00cen 2020 nu \u0219tiu exact c\u0103 nu au ap\u0103rut datele \u0219i mi-e lene s\u0103 \u00eentreb vreun amic de pe la BNR, c\u0103 \u0103ia presupun c\u0103 \u0219tiu deja. Dar se estimeaz\u0103 totu\u0219i s\u0103 fie ceva mai mic\u0103<\/a> . Nu \u0219tiu dac\u0103 a ie\u0219it 2-2.1% cum prognoza BNR, dar ceva mai mic\u0103 dec\u00e2t \u00een 2019, ciudat, \u0219tiu, doar c\u0103 nu (oamenii au \u021binut banii la ciorap \u0219i nu prea a existat cerere (nici ofert\u0103) pe multe lucruri. Altele s-au dat pe sub m\u00e2n\u0103, pula mea… Deci presiuni dezinfla\u021bioniste pe fondul contrac\u021biei economice. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

\u00cen 2021, treaba arat\u0103 un pic mai nasol, \u0219tiu nu se vede, dar cam a\u0219a arat\u0103, doamne ajut\u0103 s\u0103 nu fie, dar deficitul planificat e pe la 9% din PIB pentru statul Rom\u00e2n . Cam greu de finan\u021bat, om vedea. <\/p>\n\n\n\n

Dac\u0103 infla\u021bia ar fi comparabil\u0103 aia din 2020, atunci la certificatele \u0103stea<\/a> ( pe un an, c\u0103 nu \u0219tiu dac\u0103 vrei s\u0103 te bagi la 5 ani) tot ar avea 1-1.2% randament cinstit, dup\u0103 \u00eenfla\u021bie. Pu\u021bin, dar dec\u00e2t nimic, merge. <\/p>\n\n\n\n

Dar, dac\u0103 riscul ca statul s\u0103 nu pl\u0103teasc\u0103 e mic, riscul de infla\u021bie anul \u0103sta e mai mare. Zic de infla\u021bie peste 3%. C\u0103 dac\u0103 ajungi la infla\u021bie de 3% sugi pula, e\u0219ti ca la banc\u0103 pe depozit. <\/p>\n\n\n\n

Cine a cump\u0103rat titluri Tezaur anul trecut sau in decembrie 2019, pe 1 an, cred ca iese un pic-pic pe plus. <\/p>\n\n\n\n

Cine a investit la final de 2018<\/a> ( a fost dobanda 4.5%) a iesit doar marginal pe plus ( inflatia la 3.8) . <\/p>\n\n\n\n

Deci , unde trebuie s\u0103 v\u0103 uita\u021bi voi atent dac\u0103 v\u0103 pune\u021bi \u00eencrederea e indicele de infla\u021bie . Dac\u0103 ave\u021bi \u00eencredere c\u0103 \u00eenfla\u021bia o s\u0103 fie sub 3%, io n-am , sau dac\u0103 efectiv nu ave\u021bi ce s\u0103 face\u021bi cu banii \u0103ia \u0219i stau \u00een banc\u0103 degeaba, finan\u021ba\u021bi st\u0103tule\u021bul vostru drag. Dac\u0103 nu, pula mea, mai c\u0103uta\u021bi. <\/p>\n\n\n\n

Dac\u0103 a\u0219 fi investit banii familiei care au stat cash, anul trecut, \u00een titluri de stat, acum a\u0219 fi c\u00e2\u0219tigat NOMINAL, nu \u00een valoare, echivalentul a vreo c\u00e2teva mii bune de euro. Dar nu am f\u0103cut-o, din motive c\u0103 am crezut c-o s\u0103 am nevoie de ei. N-am avut. \u00cens\u0103 i-am \u021binut \u00een ieuro, c\u0103 io n-am \u00eencredere \u00een moneda romulan\u0103. <\/p>\n","protected":false},"excerpt":{"rendered":"

Adic\u0103 aia care sunt ie\u0219i\u021bi din ou iarna asta \u0219i se poart\u0103 ca proasp\u0103t ecloza\u021bi. Ia fi\u021bi aten\u021bi un pic aici. Statul rom\u00e2n e dup\u0103…<\/p>\n","protected":false},"author":2,"featured_media":19130,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3499,170],"tags":[4284,4285],"class_list":["post-19128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie","category-politice","tag-investitii-in-titluri-de-stat","tag-titluri-de-stat-tezaur"],"views":1415,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2021\/02\/investitorii-primaverii.jpg","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-4Yw","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/19128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19128"}],"version-history":[{"count":1,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/19128\/revisions"}],"predecessor-version":[{"id":19131,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/19128\/revisions\/19131"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/19130"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}