{"id":10817,"date":"2025-07-28T18:34:26","date_gmt":"2025-07-28T18:34:26","guid":{"rendered":"https:\/\/www.izobrazen.si\/?p=10817"},"modified":"2025-08-13T09:51:31","modified_gmt":"2025-08-13T09:51:31","slug":"vrednost-denarja","status":"publish","type":"post","link":"https:\/\/www.izobrazen.si\/en\/vrednost-denarja\/","title":{"rendered":"VALUE FOR MONEY"},"content":{"rendered":"

If you had \u20ac1,000 in the bank in 2000 and left it there without interest until 2025, then inflation has caused a real decline in the value of your money - this means that you can buy much less with that amount today than you could 24 years ago.<\/em><\/p>\n\n\n\n

How much is the drop in purchasing power?<\/strong><\/em><\/p>\n\n\n\n

Inflation 2000\u20132025 in Slovenia: \u2248119.5%<\/em><\/p>\n\n\n\n

This means:<\/strong><\/em><\/p>\n\n\n\n

\u20ac1,000 in 2000 = approximately \u20ac2,195 today<\/em><\/p>\n\n\n\n

But if you still only had \u20ac1,000, then you only realistically have around 45% of that purchasing power.<\/strong><\/em><\/p>\n\n\n\n

TIPS:<\/strong><\/p>\n\n\n\n

1. Don't let money \"sit\" in an interest-free account<\/strong><\/p>\n\n\n\n

Savings accounts or time deposits often don't even cover inflation. The money in a transaction account decreases in real terms every month.<\/p>\n\n\n\n

\u2705 Rather move it into investments that at least maintain its value.<\/p>\n\n\n\n

\ud83e\ude99 2. Diversify into different investments<\/strong><\/p>\n\n\n\n

Divide your money among several types of investments, such as:<\/p>\n\n\n\n

\ud83d\udcc8 Stocks (ETFs or individual stocks)<\/p>\n\n\n\n

\ud83c\udfe0 Real estate (including real estate investment trusts \u2013 REITs)<\/p>\n\n\n\n

\u2696\ufe0f Bonds<\/p>\n\n\n\n

\ud83e\ude99 Gold, silver or other raw materials<\/p>\n\n\n\n

\ud83e\ude9c Mutual funds or index funds (e.g. S&P500 ETF)<\/p>\n\n\n\n

3. Consider inflation in long-term planning<\/strong><\/p>\n\n\n\n

When saving for retirement, housing, children's education, etc., always consider the real value of money in 10, 20, or 30 years.<\/p>\n\n\n\n

4. Investments should exceed inflation<\/strong><\/p>\n\n\n\n

Look for a real return above inflation. If inflation is 3%, an investment that yields 5% annually gives you a real return of \u2248 2%.<\/p>\n\n\n\n

5. Consider your own entrepreneurship or knowledge as an investment<\/strong><\/p>\n\n\n\n

The knowledge and skills you gain are not devalued. You can generate additional income and adapt to the situation.<\/p>\n\n\n\n

6. Educate yourself about personal finances<\/a><\/strong><\/p>\n\n\n\n

Understanding the basics (inflation, compound interest, risk) is the key to making good decisions.<\/p>\n\n\n\n

7. Live within your means and save wisely<\/strong><\/p>\n\n\n\n

Higher income does not mean greater security if costs also increase. Smart management of spending and investiranje <\/a>ustvarja dolgoro\u010dno stabilnost.<\/p>\n\n\n\n

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

\u010ce si leta 2000 imela na banki 1.000\u202f\u20ac in si ga do leta 2025 pustila tam brez obresti, potem je zaradi inflacije pri\u0161lo do realnega padca vrednosti tvojega denarja \u2013 to pomeni, da si danes s tem zneskom lahko kupi\u0161 veliko manj kot pred 24 leti. Kolik\u0161en je padec kupne mo\u010di? Inflacija 2000\u20132025 v Sloveniji: \u2248\u202f119,5\u202f% To pomeni: 1.000\u202f\u20ac leta 2000 = danes pribli\u017eno 2.195\u202f\u20ac A \u010de si imela \u0161e vedno samo 1.000\u202f\u20ac, potem ima\u0161 realno le okoli 45 % tiste kupne mo\u010di. NASVETI: 1. Ne pusti denarja “le\u017eati” na ra\u010dunu brez obresti Var\u010devalni ra\u010duni ali vezane vloge pogosto ne\u2026<\/p>","protected":false},"author":1,"featured_media":10820,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[96],"tags":[],"class_list":["post-10817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financna-pismenost"],"blocksy_meta":"","_links":{"self":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts\/10817","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/comments?post=10817"}],"version-history":[{"count":0,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts\/10817\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/media\/10820"}],"wp:attachment":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/media?parent=10817"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/categories?post=10817"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/tags?post=10817"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}