\nTe-ai \u00eentrebat vreodat\u0103 c\u00e2t de important este s\u0103 \u00ee\u0163i construie\u015fti, chiar \u015fi cu pa\u015fi mici, un fond pentru situa\u0163iile neprev\u0103zute \u015fi s\u0103 ai ni\u015fte bani pu\u015fi deoparte pe care s\u0103 \u00eei po\u0163i accesa imediat \u00een cazul \u00een care ai nevoie urgent de cash?<\/p>\n
\nAndrei St\u0103nu\u0163iu, un t\u00e2n\u0103r \u00een v\u00e2rst\u0103 de 19 ani, student la Finan\u0163e B\u0103nci \u00een cadrul ASE, a \u00eenceput s\u0103 investeasc\u0103 la burs\u0103 \u015fi \u015fi-a creat \u015fi un astfel de fond.<\/p>\n
\n\u201eAm acest fond de urgen\u0163\u0103, care mi se pare chiar o component\u0103 necesar\u0103 \u00een momentul \u00een care \u00eencepi s\u0103 investe\u015fti tocmai pentru c\u0103 exist\u0103 posibilitatea de a pierde to\u0163i banii. \u015ei atunci, ca s\u0103 nu r\u0103m\u00e2i descoperit, trebuie s\u0103 ai tot timpul un fond de urgen\u0163\u0103 pentru orice situa\u0163ii neprev\u0103zute sau pentru orice eventualitate. Pentru mine, fondul de urgen\u0163\u0103 e o sum\u0103 separat\u0103 care poate acoperi necesit\u0103\u0163ile pe un an de zile\u201d, a spus t\u00e2n\u0103rul \u00een timpul celui mai recent episod al emisiunii ZF Ce faci cu banii t\u0103i, sus\u0163inut\u0103 de Banca Transilvania \u015fi parte din proiectul FIT \u2013 Finan\u0163e pe \u00een\u0163elesul tuturor, programul de educa\u0163ie al B\u0103ncii Transilvania.<\/p>\n
\n\u00cen momentul de fa\u0163\u0103, banii lui vin din burs\u0103 \u015fi de la p\u0103rin\u0163i. Jum\u0103tate din fiecare sum\u0103 o economise\u015fte, iar din acei bani, 30% merg c\u0103tre investi\u0163ii \u015fi 20% c\u0103tre fondul pentru situa\u0163ii neprev\u0103zute. Cealalt\u0103 jum\u0103tate din bani o folose\u015fte el, pentru relaxare, pentru lucruri care \u00eei plac. Undeva la 40-50% din portofoliul t\u00e2n\u0103rului cuprinde investi\u0163ii \u00een aur \u015fi restul \u00een pia\u0163a de ac\u0163iuni, iar tot profitul \u00eel reinveste\u015fte.<\/p>\n
\nAndrei are un cont la Interactive Brokers, o firm\u0103 de brokeraj multina\u0163ional\u0103 american\u0103, \u015fi circa 1.000 de lei pe lun\u0103 \u00eencearc\u0103 s\u0103 \u00eei investeasc\u0103.<\/p>\n
\nAcum, t\u00e2n\u0103rul e la nivelul de investitor speculativ. Exist\u0103, undeva acolo, o team\u0103 c\u0103 ar putea pierde banii, dar \u00ee\u015fi dore\u015fte s\u0103 acumuleze experien\u0163\u0103 \u015fi, \u00een plus, mizeaz\u0103 pe faptul c\u0103 suma de bani pe care o investe\u015fte nu este una foarte mare. El \u00eenc\u0103 nu are investi\u0163ii la Bursa de Valori Bucure\u015fti, dar se g\u00e2nde\u015fte s\u0103 fac\u0103 acest pas \u00een viitor.<\/p>\n
\n\u00cen cel mai recent episod al emisiunii ZF Ce faci cu banii t\u0103i, un proiect sub umbrela FIT \u2013 Finan\u0163e pe \u00een\u0163elesul tuturor, programul de educa\u0163ie al B\u0103ncii Transilvania, t\u00e2n\u0103rul a vorbit despre investi\u0163ii, despre cum \u00ee\u015fi \u00eemparte banii lun\u0103 de lun\u0103 \u015fi despre c\u00e2t de important\u0103 e sus\u0163inerea p\u0103rin\u0163ilor c\u00e2nd porne\u015fte timid pe drumul investi\u0163iilor.<\/p>\n
\nCe faci cu banii t\u0103i? este o emisiune ZF sub umbrela FIT \u2013 Finan\u0163e pe \u00een\u0163elesul tuturor, programul de educa\u0163ie al B\u0103ncii Transilvania. BT a lansat FIT – Finan\u0163e pe \u00cen\u0163elesul Tuturor, un program na\u0163ional de educa\u0163ie financiar\u0103 prin care \u00ee\u015fi propune s\u0103 construiasc\u0103 pentru genera\u0163iile Alpha, Z \u015fi Y o baz\u0103 solid\u0103 \u00een ceea ce prive\u015fte gestionarea banilor. Astfel, \u00een noul proiect video al Ziarului Financiar, sub umbrela FIT \u015fi sus\u0163inut de BT, \u00eentreb\u0103ri concrete \u015fi simple din sfera educa\u0163iei financiare vor deveni teme de discu\u0163ie care \u00eei vor ajuta pe tineri s\u0103 ia decizii financiare bine informate.<\/p>\n
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Te-ai \u00eentrebat vreodat\u0103 c\u00e2t de important este s\u0103 \u00ee\u0163i construie\u015fti, chiar \u015fi cu pa\u015fi mici, un fond pentru situa\u0163iile neprev\u0103zute \u015fi s\u0103 ai ni\u015fte bani pu\u015fi deoparte pe care s\u0103 \u00eei po\u0163i accesa imediat \u00een cazul \u00een care ai nevoie urgent de cash? Andrei St\u0103nu\u0163iu, un t\u00e2n\u0103r \u00een v\u00e2rst\u0103 de 19 ani, student la Finan\u0163e […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[7216,8219],"class_list":["post-236686","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bursa","tag-educatie"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/236686","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=236686"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/236686\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=236686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=236686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=236686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}