{"id":44,"date":"2020-08-04T10:56:30","date_gmt":"2020-08-04T10:56:30","guid":{"rendered":"http:\/\/142.93.248.120\/?p=44"},"modified":"2020-10-14T08:18:50","modified_gmt":"2020-10-14T08:18:50","slug":"11-opcoes-de-investimento-para-2019","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/ro\/11-opcoes-de-investimento-para-2019\/","title":{"rendered":"11 op\u021biuni de investi\u021bii pentru 2019"},"content":{"rendered":"
\n

Scenariul economic global este unul de incertitudine. R\u0103zboiul comercial dintre SUA \u0219i China \u0219i \u00eencetinirea economiilor dezvoltate au afectat scenariul na\u021bional. Mai mult, reforma sistemului de pensii este probabil s\u0103 fie agenda care va avea cel mai mare impact asupra \u021b\u0103rii noastre \u00een viitorul apropiat.<\/p>\n<\/div>

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Chiar \u0219i cu toat\u0103 aceast\u0103 incertitudine, nu lipsesc op\u021biunile de investi\u021bii cu poten\u021bial. Nu ai niciun motiv s\u0103-\u021bi la\u0219i banii pe saltea. Avansa\u021bi pentru a descoperi cele mai bune op\u021biuni de investi\u021bii pentru 2019.<\/p>\n<\/div>

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Bursa de valori<\/h2>\n<\/div>
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2018 a fost un an foarte pozitiv. Ibovespa a avansat cu 15%, iar perspectivele pentru 2019 r\u0103m\u00e2n pozitive dup\u0103 rezultatele alegerilor. \u00cembun\u0103t\u0103\u021birea mediului de afaceri ar trebui s\u0103 aib\u0103 un impact asupra pie\u021bei de valori \u0219i s\u0103 \u00eencurajeze randamente s\u0103n\u0103toase p\u00e2n\u0103 la sf\u00e2r\u0219itul anului.<\/p>\n<\/div>

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Dar nu c\u0103dea \u00een capcana culegerii de ac\u021biuni. Nicio companie nu este perfect\u0103 \u0219i te vei descurca mult mai bine pe termen lung pun\u00e2nd mai mult de un ou \u00een co\u0219.<\/p>\n<\/div>

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Criptomonede<\/h2>\n<\/div>
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Anul trecut nu a fost un an bun pentru criptomonede \u0219i reputa\u021bia lor a avut de suferit din cauza asta. Cu toate acestea, pentru unii exper\u021bi, acesta este doar un semn de maturizare pe pia\u021b\u0103.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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Nu v\u0103 a\u0219tepta\u021bi ca rezultatele din 2017 s\u0103 se repete, dar nu v\u0103 mira\u021bi dac\u0103 2019 se dovede\u0219te a fi anul recuper\u0103rii criptomonedei.<\/p>\n<\/div>

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Fonduri de investi\u021bii<\/h2>\n<\/div>
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Mai simplu spus, fondurile sunt vehicule care faciliteaz\u0103 accesul micilor investitori la portofolii diversificate, gestionate de profesioni\u0219ti preg\u0103ti\u021bi.<\/p>\n<\/div>

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Fondurile de investi\u021bii sunt \u00eentotdeauna o op\u021biune bun\u0103 de investi\u021bii pe termen lung. Continua\u021bi s\u0103 avansa\u021bi \u00een articol \u0219i vede\u021bi c\u00e2teva exemple de fonduri specifice care ar trebui s\u0103 se aprecieze \u00een 2019.<\/p>\n<\/div>

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Fonduri multipia\u021b\u0103<\/h2>\n<\/div>
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Este principala categorie de fonduri, deoarece \u201eamestec\u0103\u201d diferite tipuri de investi\u021bii, cum ar fi ac\u021biuni \u0219i venit fix.<\/p>\n<\/div>

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Momentul economic al \u021b\u0103rii sugereaz\u0103 c\u0103 ac\u021biunile braziliene se vor aprecia. Deoarece fondurile multipia\u021b\u0103 sunt \u00een general bazate pe ac\u021biuni, acestea pot fi o op\u021biune bun\u0103 pentru 2019.<\/p>\n<\/div>

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Fonduri imobiliare<\/h2>\n<\/div>
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Pia\u021ba imobiliar\u0103 d\u0103 deja semne de consolidare, iar fondurile imobiliare sunt cea mai simpl\u0103 modalitate de a investi \u00een imobiliare comerciale \u0219i de a v\u0103 diversifica \u0219i mai mult investi\u021biile.<\/p>\n<\/div>

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Pe l\u00e2ng\u0103 diversificare, la acest tip de fond sunt a\u0219teptate rezultate foarte pozitive, \u00een condi\u021biile \u00een care cre\u0219terea economic\u0103 are un impact direct asupra acestui tip de investi\u021bii.<\/p>\n<\/div>

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Fonduri de credit<\/h2>\n<\/div>
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Fondurile de credit permit investi\u021bii simultane \u00een diferite tipuri de datorii, cum ar fi creditul corporativ \u0219i obliga\u021biunile. Ca \u0219i alte tipuri de fonduri, este o modalitate u\u0219oar\u0103 de a v\u0103 expune la un alt instrument diferit.<\/p>\n<\/div>

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\u00cen general, este de a\u0219teptat ca, cu c\u00e2t perioada investi\u021biei este mai lung\u0103, cu at\u00e2t este mai mare dob\u00e2nda disponibil\u0103 la sf\u00e2r\u0219itul investi\u021biei.<\/p>\n<\/div>

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CDB-uri<\/h2>\n<\/div>
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Certificatele de depozit bancar nu se vor demoda niciodat\u0103. Acestea sunt tipuri de investi\u021bii care atrag investitori conservatori \u0219i \u00eendr\u0103zne\u021bi.<\/p>\n<\/div>

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La ce ar trebui s\u0103 acorda\u021bi aten\u021bie este tipul de venit fix. \u00cen 2019, aceast\u0103 decizie va depinde \u00een mare m\u0103sur\u0103 de c\u00e2t de optimist sunte\u021bi cu privire la mult discutat\u0103 Reform\u0103 a pensiilor.<\/p>\n<\/div>

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LCI-uri \u0219i LCA-uri<\/h2>\n<\/div>
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Acreditivele sunt investi\u021bii atractive, deoarece sunt garantate de FGC p\u00e2n\u0103 la 250.000 R$. Sunt similare cu CDB-urile, cu diferen\u021ba c\u0103 sunt scutite de impozitul pe venit.<\/p>\n<\/div>

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Acestea fiind spuse, nu dep\u0103\u0219esc CDB-urile \u00een ceea ce prive\u0219te randamentul, ceea ce le face op\u021biuni atractive pentru investi\u021bii pe termen scurt.<\/p>\n<\/div>

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Trezoreria direct\u0103<\/h2>\n<\/div>
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Treasury Direct este o obliga\u021biune public\u0103 cu venit fix emis\u0103 de Trezoreria Na\u021bional\u0103. Este o modalitate simpl\u0103 de a \u201e\u00eemprumuta\u201d bani guvernului \u00een schimbul dob\u00e2nzii.<\/p>\n<\/div>

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Treasury Direct va fi \u00eentotdeauna o alternativ\u0103 robust\u0103 de investi\u021bii sigure \u0219i o op\u021biune mai bun\u0103 dec\u00e2t s\u0103 v\u0103 l\u0103sa\u021bi banii \u00een economii.<\/p>\n<\/div>

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Obliga\u021bii<\/h2>\n<\/div>
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Obliga\u021biunile sunt CDB-uri emise de companii nefinanciare.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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\u00cen mare parte, acestea sunt indexate \u00een raport cu infla\u021bia \u2013 m\u0103surat\u0103 prin indicatorul IPCA \u2013 \u0219i, prin urmare, sunt alternative interesante de ad\u0103ugat portofoliului dumneavoastr\u0103.<\/p>\n<\/div>

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Securitate Social\u0103<\/h2>\n<\/div>
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Nu uita\u021bi s\u0103 v\u0103 preg\u0103ti\u021bi pentru pensionare.<\/p>\n<\/div>

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

Indiferent de anul \u0219i situa\u021bia economic\u0103 a \u021b\u0103rii, investi\u021bia constant\u0103 \u00eentr-o form\u0103 de pensie \u00ee\u021bi va garanta viitorul \u0219i s\u0103n\u0103tatea financiar\u0103 atunci c\u00e2nd te vei pensiona.<\/p>\n<\/div>

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La urma urmei, ce op\u021biune s\u0103 alegi?<\/h2>\n<\/div>
\n

Op\u021biunile de investi\u021bii diferite au profiluri de risc \u0219i rentabilitate complet diferite. Ac\u021biunile, de exemplu, au un randament mai mare dec\u00e2t obliga\u021biunile de stat pe termen lung. Dar pre\u021bul s\u0103u fluctueaz\u0103 foarte mult.<\/p>\n<\/div>

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\"\"\/<\/figure>\n<\/div>
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De aceea, portofoliile care combin\u0103 diferite instrumente \u2013 precum unele dintre cele men\u021bionate \u00een acest articol \u2013 tind s\u0103 arate randamente pozitive cu profiluri de risc s\u0103n\u0103toase \u2013 oferindu-\u021bi suficient\u0103 lini\u0219te sufleteasc\u0103 pentru a dormi noaptea, f\u0103r\u0103 griji.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

O cen\u00e1rio econ\u00f4mico mundial \u00e9 de incerteza. A guerra comercial entre EUA e China e a desacelera\u00e7\u00e3o de economias desenvolvidas impactaram o cen\u00e1rio nacional. Al\u00e9m disso, a reforma do sistema previdenci\u00e1rio \u00e9 provavelmente a pauta que ter\u00e1 maior impacto sobre o nosso pa\u00eds em um futuro pr\u00f3ximo. Mesmo com toda essa incerteza, o que n\u00e3o… Continua\u021bi lectur\u0103 11 op\u021biuni de investi\u021bii pentru 2019<\/span><\/a><\/p>","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[13],"yoast_head":"\n11 op\u00e7\u00f5es de investimento para 2019 - Senhor Panda<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/senhorpanda.com\/ro\/11-opcoes-de-investimento-para-2019\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"11 op\u00e7\u00f5es de investimento para 2019\" \/>\n<meta property=\"og:description\" content=\"O cen\u00e1rio econ\u00f4mico mundial \u00e9 de incerteza. A guerra comercial entre EUA e China e a desacelera\u00e7\u00e3o de economias desenvolvidas impactaram o cen\u00e1rio nacional. Al\u00e9m disso, a reforma do sistema previdenci\u00e1rio \u00e9 provavelmente a pauta que ter\u00e1 maior impacto sobre o nosso pa\u00eds em um futuro pr\u00f3ximo. 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