{"id":4465,"date":"2006-05-16T11:26:00","date_gmt":"2006-05-16T11:26:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=4465"},"modified":"2026-04-02T08:42:23","modified_gmt":"2026-04-02T08:42:23","slug":"cine-ia-banii","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=4465","title":{"rendered":"Cine ia banii?"},"content":{"rendered":"<p><SPAN class=text lang=RO style=\"mso-ansi-language: RO\"><SPAN class=text>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN class=text lang=RO style=\"mso-ansi-language: RO\">In functie de sumele alocate, de provenienta acestora si de profilul de risc, investitorii pot castiga chiar pana la 100% intr-un an. Daca se finanteaza si din credite, randamentul capitalului investit (adica profitul raportat la suma alocata doar de investitor) poate fi mai mare decat rentabilitatea nominala a investitiei (profitul raportat la costul total al investitiei).<?xml:namespace prefix = o ns = \"urn:schemas-microsoft-com:office:office\" \/><o:p><\/o:p><\/SPAN><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN lang=RO style=\"mso-ansi-language: RO\"><o:p>&nbsp;<\/o:p><\/SPAN><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><\/SPAN><\/SPAN><\/P>  <DIV align=justify>  <TABLE class=MsoTableGrid style=\"BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-yfti-tbllook: 480; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext\" cellSpacing=0 cellPadding=0 border=1>  <TBODY class=text>  <TR style=\"mso-yfti-irow: 0; mso-yfti-firstrow: yes\">  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: black; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 121.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt\" vAlign=top width=162>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\"><o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: black; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 82.25pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt\" vAlign=top width=110>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\"><FONT color=#ffffff><STRONG>Randamentul nominal anual (pe cost total de dezvoltare)<o:p><\/o:p><\/STRONG><\/FONT><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: black; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 84pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt\" vAlign=top width=112>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\"><FONT color=#ffffff><STRONG>Randamentul capitalului investit anual<o:p><\/o:p><\/STRONG><\/FONT><\/SPAN><\/P><\/TD><\/TR>  <TR style=\"mso-yfti-irow: 1\">  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 121.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=162>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">Fonduri de investitii<o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 82.25pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=110>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">7-12%<o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 84pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=112>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">20-30%<o:p><\/o:p><\/SPAN><\/P><\/TD><\/TR>  <TR style=\"mso-yfti-irow: 2\">  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 121.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=162>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">Developeri<o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 82.25pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=110>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">15-30%<o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 84pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=112>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">40-70%<o:p><\/o:p><\/SPAN><\/P><\/TD><\/TR>  <TR style=\"mso-yfti-irow: 3; mso-yfti-lastrow: yes\">  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: windowtext 1pt solid; WIDTH: 121.15pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=162>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">Investitori speculativi<o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 82.25pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=110>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">25-100%<o:p><\/o:p><\/SPAN><\/P><\/TD>  <TD style=\"BORDER-RIGHT: windowtext 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 84pt; PADDING-TOP: 0cm; BORDER-BOTTOM: windowtext 1pt solid; BACKGROUND-COLOR: transparent; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt\" vAlign=top width=112>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\"><SPAN lang=RO style=\"mso-ansi-language: RO\">50-200%*<o:p><\/o:p><\/SPAN><\/P><\/TD><\/TR><\/TBODY><\/TABLE><\/DIV>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN lang=RO style=\"mso-ansi-language: RO\"><o:p><SPAN class=text><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN lang=RO style=\"mso-ansi-language: RO\"><o:p>&nbsp;<\/o:p><\/SPAN><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN lang=RO style=\"mso-ansi-language: RO\">*RANDAMENT REALIZAT IN MAI MULTI ANI. INVESTITIILE SPECULATIVE NU SE FINANTEAZA BANCAR, ASTFEL CA RANDAMENTUL ANUAL AL CAPITALULUI INVESTIT ESTE, IN FAPT, EGAL CU CEL NOMINAL.<o:p><\/o:p><\/SPAN><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN lang=RO style=\"mso-ansi-language: RO\"><o:p>&nbsp;<\/o:p><\/SPAN><\/P>  <P class=MsoNormal style=\"MARGIN: 0cm 0cm 0pt\" align=justify><SPAN lang=RO style=\"mso-ansi-language: RO\">De exemplu: Un investitor cumpara o cladire cu 2 milioane de euro si o vinde dupa un an cu 3 milioane. Castigul este de 50%. Daca insa investitorul vine doar cu un milion de euro bani proprii si celalalt milion dintr-un credit bancar, la vanzare &#8211; dupa returnarea creditului si a dobanzii aferente &#8211; castigul lui este de un milion de euro, adica suma investita efectiv. Deci un randament de 100%.<\/SPAN><\/P><\/SPAN><\/o:p><\/SPAN><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In functie de sumele alocate, de provenienta acestora si de profilul de risc, investitorii pot castiga chiar pana la 100% intr-un an. Daca se finanteaza si din credite, randamentul capitalului investit (adica profitul raportat la suma alocata doar de investitor) poate fi mai mare decat rentabilitatea nominala a investitiei (profitul raportat la costul total al [&hellip;]<\/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":[3762],"class_list":["post-4465","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-cine-ia-banii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/4465","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=4465"}],"version-history":[{"count":1,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/4465\/revisions"}],"predecessor-version":[{"id":25893,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/4465\/revisions\/25893"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4465"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4465"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4465"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}