\n\u00cen lumea financiar\u0103, consilierii \u00ee\u015fi \u00eendeamn\u0103 de obicei clien\u0163ii s\u0103 fac\u0103 o distinc\u0163ie clar\u0103 \u00eentre investi\u0163ii \u015fi specula\u0163ii. Este o linie invizibil\u0103 care separ\u0103 r\u0103bdarea calculat\u0103 de adrenalina pie\u0163ei, scrie CNBC.<\/p>\n
\nInvesti\u0163iile, spun ei, presupun cump\u0103rarea constant\u0103 a unui co\u015f diversificat de active \u015fi l\u0103sarea timpului s\u0103 \u00ee\u015fi fac\u0103 treaba prin for\u0163a dob\u00e2nzii compuse. Este un proces lent \u015fi metodic, care poate dura zeci de ani.<\/p>\n
\n \u201eInvesti\u0163iile reale sunt plictisitoare. E ca \u015fi cum te-ai uita cum se usuc\u0103 vopseaua\u201d, spunea Ramit Sethi, autorul bestsellerului \u201eI Will Teach You To Be Rich\u201d, \u00eentr-un interviu acordat CNBC Make It \u00een iulie 2023.<\/p>\n
\nSpecula\u0163iile, \u00een schimb, nu au nimic de-a face cu plictiseala. Un speculator caut\u0103 oportunit\u0103\u0163i cu poten\u0163ial de c\u00e2\u015ftiguri spectaculoase, dar \u015fi cu riscuri considerabile. \u00centr-un context \u00een care pie\u0163ele evolueaz\u0103 rapid, iar tehnologiile emergente pot transforma companii obscure \u00een lideri globali \u00eentr-un timp extrem de scurt, Jim Cramer, gazda emisiunii \u201eMad Money\u201d de pe CNBC \u015fi autorul volumului \u201eHow to Make Money in Any Market\u201d, propune o abordare neconven\u0163ional\u0103.<\/p>\n
\nEl \u00eembin\u0103 disciplina investi\u0163iilor tradi\u0163ionale cu \u00eendr\u0103zneala unor pariuri calculate.<\/p>\n
\n \u201eEu cred \u00een specula\u0163ie. Nu cred c\u0103 specula\u0163ia este ceva r\u0103u. Vreau doar s\u0103 speculezi cu cap\u201d, afirm\u0103 Cramer.<\/p>\n
\nStrategia sa porne\u015fte de la ideea unei baze solide: jum\u0103tate din portofoliu ar trebui plasat \u00een fonduri mutuale pasive sau ETF-uri care urm\u0103resc indici majori ai pie\u0163ei americane, precum S&P 500. Restul portofoliului ar trebui \u00eemp\u0103r\u0163it \u00eentre c\u00e2teva ac\u0163iuni individuale, \u00een principal companii de \u00eenalt\u0103 calitate.<\/p>\n
\nSpre deosebire de abord\u0103rile conservatoare, Cramer rezerveaz\u0103 un loc special pentru cel pu\u0163in o ac\u0163iune speculativ\u0103 \u2013 sau chiar dou\u0103 \u00een cazul investitorilor tineri. El este convins c\u0103 aceast\u0103 component\u0103 poate face diferen\u0163a \u00een acumularea unei averi semnificative pe termen lung.<\/p>\n
\n \u201eCea mai important\u0103 lucru pe care oamenii tineri ar trebui s\u0103 o fac\u0103 cu banii lor este s\u0103 g\u0103seasc\u0103 scenarii \u00een care pot specula\u201d, afirm\u0103 el.<\/p>\n
\nAceste investi\u0163ii nu trebuie s\u0103 aib\u0103 acelea\u015fi fundamente solide precum restul portofoliului. Pot fi pariuri pe teme mari \u015fi transformatoare, \u00een care investitorul crede cu t\u0103rie, chiar dac\u0103 cifrele actuale nu sunt impresionante.<\/p>\n
\n \u201ePoate crezi \u00een quantum computing. Poate crezi \u00een energia nuclear\u0103. Sau poate vezi ceva cu adev\u0103rat special \u00een crypto\u201d, spune Cramer.<\/p>\n
\nEl subliniaz\u0103 c\u0103 nu este vorba de a transforma \u00eentreaga strategie \u00eentr-un joc hazardat, ci de a folosi o mic\u0103 parte din capital pentru a miza inteligent pe idei cu poten\u0163ial exploziv.<\/p>\n
\nIstoria recent\u0103 arat\u0103 c\u0103 astfel de pariuri pot fi decisive. Cei care au investit devreme \u00een Tesla sau Nvidia au ob\u0163inut randamente spectaculoase, imposibil de reprodus printr-o abordare strict pasiv\u0103.<\/p>\n
\nDesigur, specula\u0163iile nu vin f\u0103r\u0103 riscuri. Cramer avertizeaz\u0103 c\u0103 se poate pierde integral suma investit\u0103 \u00eentr-o pozi\u0163ie speculativ\u0103, dar adaug\u0103 c\u0103 tinere\u0163ea ofer\u0103 un avantaj esen\u0163ial: timpul de a reface pierderea \u015fi de a l\u0103sa restul portofoliului s\u0103 compenseze eventualele e\u015fecuri.<\/p>\n
\n\u201eE\u015fti t\u00e2n\u0103r \u015fi ai toat\u0103 via\u0163a \u00eenainte s\u0103 faci banii\u201d, spune el.<\/p>\n
\nUnii ar putea privi aceast\u0103 strategie drept haotic\u0103, \u00eens\u0103 Cramer o vede ca pe o form\u0103 de pruden\u0163\u0103 inteligent\u0103, care nu exclude riscul, ci \u00eel integreaz\u0103 \u00eentr-un cadru strategic bine definit.<\/p>\n
\n\u201eAsta nu e impruden\u0163\u0103. E fix opusul\u201d, afirm\u0103 el.<\/p>\n
\n\u00centr-o epoc\u0103 \u00een care oportunit\u0103\u0163ile extraordinare apar \u00een jurul unor tehnologii emergente, iar ciclurile economice sunt din ce \u00een ce mai scurte, combina\u0163ia dintre investi\u0163iile pasive \u015fi specula\u0163iile atent calibrate poate deveni un instrument decisiv \u00een construc\u0163ia averii personale.<\/p>\n
\n <\/p>\n","protected":false},"excerpt":{"rendered":"
\u00cen lumea financiar\u0103, consilierii \u00ee\u015fi \u00eendeamn\u0103 de obicei clien\u0163ii s\u0103 fac\u0103 o distinc\u0163ie clar\u0103 \u00eentre investi\u0163ii \u015fi specula\u0163ii. Este o linie invizibil\u0103 care separ\u0103 r\u0103bdarea calculat\u0103 de adrenalina pie\u0163ei, scrie CNBC. Investi\u0163iile, spun ei, presupun cump\u0103rarea constant\u0103 a unui co\u015f diversificat de active \u015fi l\u0103sarea timpului s\u0103 \u00ee\u015fi fac\u0103 treaba prin for\u0163a dob\u00e2nzii compuse. Este […]<\/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":[7884,314,20233,7148,36098,32789,222,194],"class_list":["post-241234","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-averi","tag-construire","tag-dezvaluiri","tag-fonduri","tag-fost-manager","tag-profesionist","tag-strategie","tag-tineri"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/241234","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=241234"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/241234\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=241234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=241234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=241234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}