{"id":203532,"date":"2022-04-17T15:35:00","date_gmt":"2022-04-17T15:35:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=203532"},"modified":"2022-04-17T15:35:00","modified_gmt":"2022-04-17T15:35:00","slug":"cum-a-ajuns-un-pensionar-care-este-si-taximetrist-pentru-ca-nu-ii-ajungea-pensia-sa-investeasca-la-bursa-de-la-bucuresti-si-cati-bani-a-reusit-sa-faca","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=203532","title":{"rendered":"Cum a ajuns un pensionar care este \u015fi taximetrist pentru c\u0103 nu ii ajungea pensia s\u0103 investeasc\u0103 la Bursa de la Bucure\u015fti \u015fi c\u00e2\u0163i bani a reu\u015fit s\u0103 fac\u0103"},"content":{"rendered":"

\nInvestitori mici \u015fi mari, profesioni\u015fti \u015fi debutan\u0163i deopotriv\u0103, care activeaz\u0103 \u00een domenii dintre cele mai diverse, pun pe tapet strategii de investi\u0163ii \u015fi lec\u0163ii \u00eenv\u0103\u0163ate \u00een timp pentru a \u00eent\u0103ri zicala \u201ebursa este pentru to\u0163i\u201d \u015fi a m\u0103ri r\u00e2ndurile investitorilor din pia\u0163a local\u0103. Toate experien\u0163ele lor sunt adunate \u00eentr-o serie de materiale g\u0103zduitE de Business MAGAZIN. De data asta am stat de vorb\u0103 cu Petric\u0103 Dumitrescu, un pensionar taximetrist \u00een v\u00e2rst\u0103 de 69 de ani.<\/strong><\/p>\n

\nDe pe canapea s-au n\u0103scut cei mai mul\u0163i investitori \u00een ultimii ani, \u00een special din r\u00e2ndul milenianilor (1981-1996), care dispun de mai mult timp \u015fi bani, \u00eens\u0103 popularitatea pe care au c\u0103p\u0103tat-o investi\u0163iile la Burs\u0103 s-a remarcat \u015fi \u00een ceea ce prive\u015fte reprezentan\u0163ii genera\u0163iei X (1965-1980) sau \u00een r\u00e2ndul boomerilor (peste 58 de ani), chiar \u015fi cei din prima frac\u0163iune (1946-1954).<\/p>\n

\nAcesta este \u015fi cazul lui Petric\u0103 Dumitrescu, care la 69 de ani lucreaz\u0103 ca taximetrist \u015fi de anul trecut investe\u015fte ce \u00eei r\u0103m\u00e2ne din salariu la Bursa de Valori Bucure\u015fti.<\/p>\n

\n

\nPROFIL DE INVESTITOR<\/span><\/strong><\/p>\n

\nNUME: <\/span>Petric\u0103 Dumitrescu<\/strong><\/p>\n

\nV\u00c2RST\u0102: <\/span>69 de ani<\/strong><\/p>\n

\nPROFESIE:<\/span> liber profesionist, pensionar<\/strong><\/p>\n

\nOCUPA\u0162IE: <\/span>taximetrist<\/strong><\/p>\n

\nINVESTE\u015eTE: <\/span>part-time<\/strong><\/p>\n

\n

\n\u201eInvestesc c\u00e2nd am bani. Ieri am v\u00e2ndut ceva, am cump\u0103rat altceva. Ast\u0103zi am alimentat contul cu 500 de lei c\u0103 \u015ftiu c\u0103 vine pensia. Investesc din ce c\u00e2\u015ftig ca taximetrist\u201d, spune el.<\/p>\n

\nEste 1 aprilie, pu\u0163in trecut de ora pr\u00e2nzului \u015fi investitorul nostru, tocmai ajuns acas\u0103 din tura de diminea\u0163\u0103, r\u0103spunde la telefon.<\/p>\n

\n\u201eUite, m\u0103 duceam s\u0103 \u00abm\u0103n\u00e2nc\u00bb \u015fi eu un pahar de vin\u201d, \u00eemi spune jovial. \u201eEu sunt glume\u0163, s\u0103 \u015ftii.\u201d<\/p>\n

\nPensionat fiind, Petric\u0103 Dumitrescu munce\u015fte 4-5 ore diminea\u0163a \u015fi 4-5 ore seara. \u201eAltfel nu am cum s\u0103 rezist. La anii pe care \u00eei am, nu pot s\u0103 muncesc continuu din cauza aglomera\u0163iei.\u201d<\/p>\n

\n\u00cen plus, nici pensia de 1.400 de lei nu \u00eei permite s\u0103 se pensioneze cu adev\u0103rat. \u00cel rog s\u0103 \u00eemi povesteasc\u0103 cum \u015fi de ce a \u00eenceput s\u0103 investeasc\u0103.<\/p>\n

\nF\u0103r\u0103 studii superioare, Petric\u0103 Dumitrescu a fost chelner timp de 30 de ani \u00een perioada comunismului, iar meseria de taximetrist i-a fost al\u0103turi \u00een ultimii 20 de ani.<\/p>\n

\nTot \u00een comunism a muncit \u00een Libia \u015fi vorbe\u015fte limba arab\u0103. \u201eAm lucrat, cum zice arabul, \u00abyatbakh\u00bb, adic\u0103 buc\u0103tar la o companie rom\u00e2neasc\u0103, care avea lucr\u0103ri de infrastructur\u0103 acolo.\u201d<\/p>\n

\nDac\u0103 s-ar fi n\u0103scut mai t\u00e2rziu, cu siguran\u0163\u0103 Petric\u0103 Dumitrescu ar fi fost investitor mai devreme. \u201eMi-a pl\u0103cut ideea de a investi. M\u0103 atr\u0103geau investi\u0163iile \u00een ac\u0163iuni \u015fi prima dat\u0103 am cump\u0103rat ac\u0163iuni la ziarul Rom\u00e2nia Liber\u0103. M\u0103 g\u00e2ndeam c\u0103 ziarele vor merge.\u201d<\/p>\n

\nLa acea vreme, Rom\u00e2nia Liber\u0103 era condus\u0103 de Petre Mihai B\u0103canu, jurnalist, editorialist \u015fi dizident rom\u00e2n, iar ziarul pl\u0103tea dividende ac\u0163ionarilor. \u201ePot s\u0103 spun c\u0103 mi-am scos investi\u0163ia.\u201d<\/p>\n

\n\u015ei \u00een timpul procesului de privatizare a economiei rom\u00e2ne\u015fti, care a \u00eenceput \u00eenc\u0103 din 1991 \u015fi \u00een timpul c\u0103ruia au fost distribuite gratuit certificate de proprietate \u015fi cupoane, transformate ulterior \u00een ac\u0163iuni, Petric\u0103 Dumitrescu nu a ratat ocazia de a face \u201eo mic\u0103 afacere\u201d.<\/p>\n

\n\u201eC\u00e2nd s-au dat certificatele, \u00een\u0163elegeam ce se va \u00eent\u00e2mpla cu ele, c\u0103 vor ajunge pe m\u00e2inile mafio\u0163ilor. La SIF Muntenia aveam cel mai mult, le-am v\u00e2ndut.\u201d<\/p>\n

\nCu ani \u00een urm\u0103, investi\u0163iile la Burs\u0103 nu erau at\u00e2t de accesibile pentru popula\u0163ie. Oamenii nu \u015ftiau s\u0103 investeasc\u0103, iar statului nu \u00eei trebuiau cet\u0103\u0163eni care s\u0103 \u015ftie s\u0103 investeasc\u0103, afirm\u0103 Petric\u0103 Dumitrescu.<\/p>\n

\n\u201eNu a fost voin\u0163\u0103 ca popula\u0163ia s\u0103 fie educat\u0103 financiar, mai ales dac\u0103 m\u0103 refer la cei de v\u00e2rsta mea. I-a b\u0103tut comunismul \u00een cap. Nu \u015ftiu, dar nici nu vor s\u0103 \u015ftie mai mult. Este cam tragic\u201d, consider\u0103 el.<\/p>\n

\nSpune c\u0103 a \u00eenv\u0103\u0163at singur s\u0103 tranzac\u0163ioneze \u015fi investe\u015fte \u00een companii listate la Bursa rom\u00e2neasc\u0103 de doar un an. M\u0103rturi\u015fe\u015fte c\u0103 nu st\u0103 prea bine cu tehnologia, dar vrea s\u0103 fac\u0103 cursuri de IT \u015fi a fost ajutat de fata sa s\u0103-\u015fi deschid\u0103 contul de tranzac\u0163ionare. Primii bani direc\u0163iona\u0163i acolo au fost o sum\u0103 primit\u0103 mo\u015ftenire de la p\u0103rin\u0163i.<\/p>\n

\n\u201eNu are un taximetrist at\u00e2\u0163ia bani s\u0103 investeasc\u0103. Dup\u0103 41 de ani de munc\u0103 \u00een Rom\u00e2nia, un stat mafiot, am zis s\u0103 mai fac \u015fi eu \u00eenc\u0103 o pensie. Ce era s\u0103 fac cu banii, unde s\u0103 m\u0103 duc cu ei? La banc\u0103? Dob\u00e2nzi, sufletul! Cine \u00een\u0163elege oportunitatea Bursei, investe\u015fte, cine nu, schimb\u0103 banii \u00een euro.\u201d R\u00e2de cu poft\u0103.<\/p>\n

\n\"\"<\/p>\n

\nAm 10.000 de euro \u015fi a\u015ftept listarea Hidroelectrica<\/strong><\/p>\n

\nDespre Burs\u0103, le poveste\u015fte tuturor \u00een \u00eencercarea de a-i convinge s\u0103-\u015fi investeasc\u0103 economiile, chiar \u015fi tinerilor. \u00cen acela\u015fi timp, r\u0103m\u00e2ne optimist \u00een fa\u0163a unor sc\u0103deri recente ale propriilor de\u0163ineri.<\/p>\n

\n\u201eSora mea a primit \u015fi ea parte din mo\u015ftenire \u015fi am sf\u0103tuit-o s\u0103 \u00eei bage la Burs\u0103. I-a dus la banc\u0103 \u015fi prime\u015fte un kilogram de carne dob\u00e2nd\u0103. P\u00e2n\u0103 la urm\u0103, pare c\u0103 a procedat bine pentru c\u0103 s-a \u00eent\u00e2mplat treaba cu r\u0103zboiul, m-am speriat p\u00e2n\u0103 \u015fi eu. Dar ca exemplu, c\u00e2nd a sc\u0103zut TeraPlast, cu mult \u00eenainte de Putin, mul\u0163i au v\u00e2ndut, eu nu am v\u00e2ndut, iar pre\u0163ul \u015fi-a revenit\u201d, poveste\u015fte pensionarul.<\/p>\n

\nConflictul militar din est, care a transmis o und\u0103 de \u015foc pe pie\u0163ele bursiere \u015fi nu numai, l-a determinat pe Petric\u0103 Dumitrescu s\u0103 lichideze toate pozi\u0163iile, de\u015fi \u00eencepuse s\u0103 investeasc\u0103 de nici m\u0103car un an. \u00cenainte de r\u0103zboi avea 15%-20% randament pe portofoliu.<\/p>\n

\n\u201e\u00cen februarie am rezistat trei zile, \u00eemi sc\u0103dea portofoliul cu c\u00e2te 3.000 de euro pe zi. M-am cam speriat, e adev\u0103rat, nu trebuia s\u0103 m\u0103 sperii. Am vrut totu\u015fi s\u0103 salvez din bani. Am avut Banca Transilvania, aveam TeraPlast, BRD, Nuclearelectrica. La Nuclearelectrica aveam cel mai mare randament, apoi la TeraPlast, dar mai toate erau pe plus\u201d, spune el.<\/p>\n

\n <\/p>\n

\n\"\"<\/p>\n

\n <\/p>\n

\nUlterior, a reintrat la cump\u0103rare, iar ast\u0103zi are un portofoliu de circa 25.000 de euro, \u00een u\u015foar\u0103 sc\u0103dere. \u201eM-am b\u0103gat pe agricultur\u0103, \u00eemi iau plug \u015fi boi\u201d. R\u00e2de.<\/p>\n

\n\u201eAm investit \u00een dou\u0103 companii de agricultur\u0103 \u2013 Germina Agribusiness \u015fi DN Agrar. Numai s\u0103 fie ap\u0103, c\u0103 p\u0103m\u00e2ntul r\u0103m\u00e2ne acolo. Dac\u0103 societatea merge bine, oamenii investesc bani.\u201d<\/p>\n

\nAst\u0103zi, portofoliul lui la BVB este format din Banca Transilvania (50%), cea mai mare institu\u0163ie de credit din Rom\u00e2nia, Aquila Part Prod (14%), cel mai mare juc\u0103tor de pe pia\u0163a de distribu\u0163ie a bunurilor de larg consum, Germina Agribusiness (12%), produc\u0103tor \u015fi procesator de semin\u0163e, Transport Trade Services (11%), cel mai mare transportator de m\u0103rfuri pe Dun\u0103re, DN Agrar (5,3%), holding de zootehnie, produc\u0163ie agricol\u0103 vegetal\u0103 \u015fi prest\u0103ri servicii \u00een agricultur\u0103 \u015fi altele (7,7%).<\/p>\n

\nMai are 10.000 de euro \u201ela saltea\u201d, dar p\u00e2n\u0103 la urm\u0103, crede c\u0103 \u00eei va direc\u0163iona tot c\u0103tre burs\u0103. \u201eA\u015ftept listarea Hidroelectrica. \u00cen func\u0163ie de posibilit\u0103\u0163i, recomand oamenilor s\u0103 investeasc\u0103 treptat. A\u015fa am investit \u015fi eu, cum am avut bani.\u201d<\/p>\n

\n\u00cen urm\u0103 cu c\u00e2\u0163iva ani, Petric\u0103 Dumitrescu a avut investi\u0163ii \u015fi \u00een aur. Poveste\u015fte c\u0103 a f\u0103cut odat\u0103 800 de dolari pe o singur\u0103 tranzac\u0163ie. Tot atunci a \u00eenv\u0103\u0163at singur cum st\u0103 treaba cu pia\u0163a valutar\u0103 (ForEx). \u201eAveam \u015fi brokeri\u0163\u0103, care \u00eemi spunea: drag\u0103, nu te sup\u0103ra, dar e\u015fti cam lacom. M-am l\u0103sat.\u201d<\/p>\n

\n
\n<\/div>\n

\n\u201eM\u0103 \u00eentreba o doamn\u0103 dac\u0103 joc la burs\u0103. I-am zis c\u0103 la hor\u0103 se joac\u0103, la burs\u0103 se investe\u015fte. O alt\u0103 doamn\u0103 \u00eemi spunea c\u0103 are dou\u0103 facult\u0103\u0163i \u015fi m\u0103 ruga s\u0103 o las s\u0103 fotografieze \u00een ce am investit eu. \u00cei zic: \u015fti\u0163i c\u00e2te clase am eu? Opt.\u201d<\/strong><\/p>\n

\nPetric\u0103 Dumitrescu, investitor<\/strong><\/p>\n

\n
\n<\/div>\n

\nDespre FX, a discutat odat\u0103 \u015fi cu un client, cu mult mai t\u00e2n\u0103r. \u201eAm v\u0103zut c\u0103 tot buchisea pe telefon. L-am \u00eentrebat ce face acolo, a zis c\u0103 Forex. L-am \u00eentrebat cum st\u0103, a zis c\u0103 e pe plus vreo 2.000 de euro. Avea contul de vreo dou\u0103-trei luni. I-am zis s\u0103 cumpere mai bine ac\u0163iuni. Nu trebuie s\u0103 \u00ee\u015fi bat\u0103 capul, s\u0103 \u015ftie toat\u0103 politica interna\u0163ional\u0103. Cumperi ac\u0163iuni \u015fi stai mai lini\u015ftit. C\u00e2nd n-oi mai avea b\u0103nu\u0163i \u015fi nu voi mai putea munci pe taxi \u2013 ce s\u0103 fac eu cu 1.400 de lei pensie! \u2013 o s\u0103 m\u0103 apuc de Forex \u015fi ce c\u00e2\u015ftig din Forex bag la burs\u0103\u201d, spune amuzat. \u201eFac bani pe termen scurt ca s\u0103 investesc pe termen lung.\u201d<\/p>\n

\nPetric\u0103 Dumitrescu se consider\u0103 un investitor mic \u015fi spune c\u0103 bursa este dominat\u0103 de investitori mari. Totu\u015fi, nu \u00eel \u00eencurc\u0103 cu nimic \u00een activitatea lui investi\u0163ional\u0103.<\/p>\n

\n\u201cPot s\u0103 spun c\u0103 investesc pu\u0163in mai agresiv pentru c\u0103 nu \u00eemi mai permit anii s\u0103 a\u015ftept, am aproape 70 de ani. \u00cen plus, am \u015fi pensie mic\u0103.\u201d<\/p>\n

\nInvestitorul \u00ee\u015fi adun\u0103 informa\u0163iile de unde poate, \u201cde peste tot\u201d, presa \u015fi diferitele canale de educa\u0163ie financiar\u0103 de pe YouTube, cum ar fi \u201eInveste\u015fte la burs\u0103\u201d, fiind principalele surse de informare. La o companie, urm\u0103re\u015fte \u00een primul r\u00e2nd dac\u0103 este purt\u0103toare de dividende, dar are \u015fi alte filtre.<\/p>\n

\n\u201cDac\u0103 ofer\u0103 dividende \u00eenseamn\u0103 c\u0103 merge bine, are profit. M\u0103 mai uit la ce perspective are pe termen mai lung, citesc analize. Investi\u0163ia poate fi \u00een func\u0163ie de situa\u0163ie, de companie, de oportunit\u0103\u0163ile de moment, de pre\u0163ul ac\u0163iunii\u201d, spune el.<\/p>\n

\n\u00cen loc de concluzie, \u00eenchei povestea lui Petric\u0103 Dumitrescu cu dou\u0103 anecdote, dou\u0103 discu\u0163ii cu c\u0103l\u0103tori de taxi istorisite chiar de el: \u201eStau \u00een ma\u015fin\u0103 \u015fi vorbesc cu fel de fel de oameni. Am \u00eent\u00e2lnit persoane care nu au pic de educa\u0163ie financiar\u0103. M\u0103 \u00eentreba o doamn\u0103 dac\u0103 joc la burs\u0103. I-am zis ca la hor\u0103 se joac\u0103, la burs\u0103 se investe\u015fte. O alt\u0103 doamn\u0103 \u00eemi spunea c\u0103 are dou\u0103 facult\u0103\u0163i \u015fi m\u0103 ruga s\u0103 o las s\u0103 fotografieze \u00een ce am investit eu. \u00cei zic: \u015fti\u0163i c\u00e2te clase am eu? Opt.\u201d<\/p>\n

\n
\n<\/div>\n

\nDic\u0163ionarul investitorului:<\/strong><\/p>\n

\nPia\u0163a valutar\u0103, ForEx sau FX,<\/strong> prescurt\u0103ri de la foreign exchange market \u00een englez\u0103, este o pia\u0163\u0103 a tranzac\u0163iilor de v\u00e2nzare-cump\u0103rare a valutelor. Activitatea de tranzac\u0163ionare de monede reprezint\u0103 un gen specific de comer\u0163 \u00een care moneda este tratat\u0103 ca o marf\u0103. Ceea ce rezult\u0103 \u00een urma acestui comer\u0163 este un pre\u0163, numit curs valutar. Este, \u00een acela\u015fi timp, o ramur\u0103 distinct\u0103 a pie\u0163ei monetare \u015fi func\u0163ioneaz\u0103 at\u00e2t la nivelul unei economii na\u0163ionale, c\u00e2t \u015fi la nivelul pie\u0163ei interna\u0163ionale \u00een ansamblul ei. Participan\u0163ii \u00een pia\u0163a valutar\u0103 sunt de obicei b\u0103ncile centrale, dar sunt \u015fi traderi mai mici. Cursul valutar este afi\u015fat de c\u0103tre intermediarii de pe pia\u0163a valutar\u0103 sub form\u0103 electronic\u0103 \u015fi arat\u0103 pozi\u0163ia monedei na\u0163ionale fa\u0163\u0103 de principalele valute. Cursurile pot varia pe parcursul unei zile \u00een func\u0163ie de cererea \u015fi oferta pentru valuta respectiv\u0103, la fel ca \u00een cazul ac\u0163iunilor. Totu\u015fi, \u00een contextul \u00een care poten\u0163ialul de c\u00e2\u015ftig este unul mai ridicat, tranzac\u0163ionarea Forex comport\u0103 de asemenea riscuri mari, semnalate adesea de brokeri.<\/p>\n

\n <\/p>\n

\n <\/p>\n","protected":false},"excerpt":{"rendered":"

Investitori mici \u015fi mari, profesioni\u015fti \u015fi debutan\u0163i deopotriv\u0103, care activeaz\u0103 \u00een domenii dintre cele mai diverse, pun pe tapet strategii de investi\u0163ii \u015fi lec\u0163ii \u00eenv\u0103\u0163ate \u00een timp pentru a \u00eent\u0103ri zicala \u201ebursa este pentru to\u0163i\u201d \u015fi a m\u0103ri r\u00e2ndurile investitorilor din pia\u0163a local\u0103. Toate experien\u0163ele lor sunt adunate \u00eentr-o serie de materiale g\u0103zduitE de Business […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,512,7208],"tags":[7172,7216,148,13252,51410,16978,50866,32125],"class_list":["post-203532","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-revista-bm","category-servicii-financiare","tag-actiuni","tag-bursa","tag-bvb","tag-investitor","tag-petrica-dumitrescu","tag-portofoliu","tag-profil-de-investitor","tag-taximetrist"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/203532","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=203532"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/203532\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=203532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=203532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=203532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}