{"id":188476,"date":"2020-11-28T14:55:15","date_gmt":"2020-11-28T14:55:15","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=188476"},"modified":"2020-11-28T14:55:15","modified_gmt":"2020-11-28T14:55:15","slug":"consilierul-financiar-care-te-invata-cum-sa-investesti-la-bursa-in-doar-cateva-minute-afli-unde-sa-iti-pui-banii","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=188476","title":{"rendered":"Consilierul financiar care te \u00eenva\u0163\u0103 cum s\u0103 investe\u015fti la burs\u0103. \u00cen doar c\u00e2teva minute afli unde s\u0103 \u00ee\u0163i pui banii"},"content":{"rendered":"<p>\n<strong>\u00cen Rom\u00e2nia, spre deosebire de alte \u0163\u0103ri din vestul Europei \u015fi mai ales spre deosebire de SUA, oamenii fac mult mai pu\u0163ine investi\u0163ii pe burs\u0103, cei care dispun de sume mai mari de bani investind de obicei mai ales \u00een domeniul imobiliar. Un start-up local vrea \u00eens\u0103 s\u0103 schimbe aceast\u0103 mentalitate \u015fi s\u0103 le ofere rom\u00e2nilor un consilier financiar digital bazat pe tehnologia inteligen\u0163ei artificiale care s\u0103 \u00eei sf\u0103tuiasc\u0103 \u00een doar c\u00e2teva minute \u00een ce active s\u0103 \u00ee\u015fi plaseze banii.<\/strong><\/p>\n<p>\nAplica\u0163ia este acum \u00een stadiul de prototip &#8211; am lansat o variant\u0103 simplificat\u0103 a ceea ce ne dorim noi s\u0103 fie produsul final. Aceast\u0103 prim\u0103 versiune lansat\u0103 pe finpathic.com este un consultant care \u00ee\u0163i ofer\u0103 o alocare optim\u0103, \u0163in\u00e2nd cont de particularit\u0103\u0163ile tale investi\u0163ionale. A\u015fadar, pornind de la particularit\u0103\u0163ile clientului, noi reu\u015fim s\u0103 \u00eei oferim acestuia alocarea optim\u0103 pe clase de active &#8211; nu pe instrumente financiare, ci pe clase de active\u201d, a spus \u00een cadrul emisiunii ZF IT Generation Andrei Anghel, cofondator \u015fi CEO al Finphatic. El a ad\u0103ugat c\u0103 acest prim pas de alocare optim\u0103 a banilor pe active este extrem de important.<\/p>\n<p>\n\u201e\u00cen lumea investi\u0163ional\u0103, acest prim pas pe care l-am f\u0103cut noi acum este destul de important deoarece studiile statistice asupra performan\u0163elor trecute asupra fondurilor ini\u0163iale, ale fondurilor de pensii, arat\u0103 c\u0103 acest prim pas conteaz\u0103 \u00een propor\u0163ie de 90% din rezultatul final al unei investi\u0163ii.<\/p>\n<p>\nIdeea dezvolt\u0103rii aplica\u0163iei a pornit de la nevoia sa personal\u0103 de a-\u015fi gestiona finan\u0163ele, proiectul \u00eencep\u00e2nd s\u0103 prind\u0103 contur \u00een urm\u0103 cu trei ani.<\/p>\n<p>\n\u201eProiectul a pornit de la o nevoie personal\u0103 de a-mi gestiona finan\u0163ele \u015fi de a face c\u00e2t de mult se poate cu banii pe care reu\u015fisem s\u0103 \u00eei acumulez p\u00e2n\u0103 la acel moment. Iar mai t\u00e2rziu, \u00eempreun\u0103 cu partenerul \u00een acest business, ne-am g\u00e2ndit s\u0103 transform\u0103m aceast\u0103 nevoie personal\u0103 \u00eentr-o aplica\u0163ie pe care s\u0103 o putem oferi mai multor persoane.\u201d<\/p>\n<p>\nCum func\u0163ioneaz\u0103 \u00eens\u0103 mai exact aceast\u0103 prim\u0103 versiune a aplica\u0163iei Finpathic? \u201e\u00cen acest moment noi invit\u0103m investitorii s\u0103 testeze aplica\u0163ia \u015fi nu cerem detalii personale. El trebuie s\u0103 introduc\u0103 doar un nume, averea, veniturile \u015fi cheltuielile, v\u00e2rsta \u015fi ce preferin\u0163e \u00een materie de risc are. \u00cen func\u0163ie de aceste criterii, noi reu\u015fim s\u0103 estim\u0103m inclusiv pensia pe care o va avea \u015fi data la care va ie\u015fi la pensie \u015fi dac\u0103 va fi \u00een stare sau nu s\u0103 \u00ee\u0163i men\u0163in\u0103 acela\u015fi nivel al traiului dup\u0103 ce iese la pensie. C\u0103ut\u0103m \u00een foarte multe scenarii despre viitor cam care ar fi evolu\u0163ia averii unui utilizator. La final, dup\u0103 circa 2-3 minute \u00een care softul nostru efectueaz\u0103 c\u00e2teva miliarde de calcule, reu\u015fim s\u0103 \u00eei oferim portofoliul optim &#8211; care \u00eei m\u0103resc \u015fansele de a-\u015fi atinge obiectivele.\u201d<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<strong>Finphatic<\/strong><\/p>\n<p>\n<strong>Proiect: Finphatic<\/strong><\/p>\n<p>\nCe face? Platform\u0103 online care func\u0163ioneaz\u0103 asemenea unui consilier financiar digital pentru utilizatori, ace\u015ftia put\u00e2nd afla \u00een doar c\u00e2teva minute \u00een ce clase de active este optim s\u0103 \u00ee\u015fi investeasc\u0103 banii.<\/p>\n<p>\nEvaluare proiect:<br \/>\n1,4 milioane euro<\/p>\n<p>\n<strong>Invitat: Andrei Anghel, cofondator \u015fi CEO al Finpathic<\/strong><\/p>\n<p>\n&nbsp;<\/p>\n<p>\n&nbsp;<\/p>\n<hr \/>\n<hr \/>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5539\/19755157\/3\/alin-rosca-ceo-repsmate.jpg?height=413&#038;width=620\" style=\"width: 620px; height: 413px; margin-top: 10px; margin-bottom: 10px;\" \/><\/p>\n<p>\n<strong>Repsmate<\/strong><\/p>\n<p>\n<strong>Proiect: Repsmate<\/strong><\/p>\n<p>\nCe face? Aplica\u0163ie software bazat\u0103 pe tehnologia inteligen\u0163ei artificiale ce analizeaz\u0103 comportamentul clien\u0163ilor<\/p>\n<p>\nNecesar actual de finan\u0163are:<br \/>\n150.000 euro<\/p>\n<p>\n<strong>Invitat: Alin Ro\u015fca, CEO \u015fi fondator RepsMate<\/strong><\/p>\n<hr \/>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5539\/19755157\/2\/22trustventure-photo-sebastien-gayral.jpg?height=1026&#038;width=620\" style=\"width: 620px; height: 1026px; margin-top: 10px; margin-bottom: 10px;\" \/><\/p>\n<p>\n<strong>22Trust Venture<\/strong><\/p>\n<p>\n<strong>Proiect: 22Trust Venture<\/strong><\/p>\n<p>\nCe face? Platform\u0103 bazat\u0103 pe tehnologia inteligen\u0163ei artificiale care le va permite b\u0103ncilor de retail s\u0103 le propun\u0103 clien\u0163ilor costuri dinamice pentru creditele acordate acestora.<\/p>\n<p>\nInvesti\u0163ie ini\u0163ial\u0103: 40.000 euro<\/p>\n<p>\n<strong>Invita\u0163i: Sebastien Gayral cofondator \u015fi CEO al 22Trust Venture<\/strong><\/p>\n<hr \/>\n<hr \/>\n<p>\n<strong>ZF IT Generation, emisiune lansat\u0103 de ZF \u00eempreun\u0103 cu Banca Transilvania \u015fi casa de avocatur\u0103 Stratulat &#038; Albulescu<\/strong>, are ca \u0163int\u0103 descoperirea start-up-urilor hi-tech cu idei de produse sau servicii care vor duce la dezvoltarea unei noi genera\u0163ii de milionari din IT ai Rom\u00e2niei. \u00cen cadrul emisiunii sunt invita\u0163i \u015fi antreprenori sau investitori care \u00ee\u015fi povestesc experien\u0163a \u00een business \u015fi dau sfaturi start-up-urilor.<\/p>\n<p>\n<strong>Urm\u0103re\u015fte de luni p\u00e2n\u0103 vineri &nbsp;emisiunea pe www.zf.ro \u015fi pe pagina de Facebook a Ziarului Financiar de la ora 19,00 sau acceseaz\u0103 platforma www.zf.ro\/zf-it-generation<\/strong><\/p>\n<p>\n<strong>Dac\u0103 ave\u0163i un proiect de start-up tech scrie\u0163i-ne pe adresa de mail zfitgeneration@zf.ro.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen Rom\u00e2nia, spre deosebire de alte \u0163\u0103ri din vestul Europei \u015fi mai ales spre deosebire de SUA, oamenii fac mult mai pu\u0163ine investi\u0163ii pe burs\u0103, cei care dispun de sume mai mari de bani investind de obicei mai ales \u00een domeniul imobiliar. Un start-up local vrea \u00eens\u0103 s\u0103 schimbe aceast\u0103 mentalitate \u015fi s\u0103 le ofere [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[511,571,4139,512],"tags":[47327,25316,193,204],"class_list":["post-188476","post","type-post","status-publish","format-standard","hentry","category-afaceri","category-business-hi-tech","category-it","category-revista-bm","tag-ai-de-milioane","tag-inteligenta-artificiala","tag-it","tag-tehnologie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/188476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=188476"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/188476\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=188476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=188476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=188476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}