{"id":10840,"date":"2025-07-28T20:01:23","date_gmt":"2025-07-28T20:01:23","guid":{"rendered":"https:\/\/www.izobrazen.si\/?p=10840"},"modified":"2025-07-29T11:22:49","modified_gmt":"2025-07-29T11:22:49","slug":"nasveti-za-vlaganje-denarja-z-upostevanjem-raznolikosti-varnosti-in-dolgorocne-rasti","status":"publish","type":"post","link":"https:\/\/www.izobrazen.si\/en\/nasveti-za-vlaganje-denarja-z-upostevanjem-raznolikosti-varnosti-in-dolgorocne-rasti\/","title":{"rendered":"TIPS FOR INVESTING MONEY WITH DIVERSITY, SAFETY AND LONG-TERM GROWTH IN MIND"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><em><strong>1. First: create a safety margin<\/strong><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before you start investing, make sure you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a reserve of 3\u20136 months of expenses (in a savings account),<\/li>\n\n\n\n<li>settled high-interest debts (e.g. credit cards).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>2. Safer and more stable investments (low risk):<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest-bearing savings account \u2013 for a reserve (but has a very low return).<\/li>\n\n\n\n<li>Time deposits at the bank \u2013 low returns, but almost no risk.<\/li>\n\n\n\n<li>Bonds \u2013 government or corporate, more stable, lower growth, but regular returns.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.izobrazen.si\/en\/product\/financna-pismenost-duhovni-odnos-do-obilja\/\" data-type=\"product\" data-id=\"9577\">Tips and advice<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>3. Medium-risk investments (medium-term growth):<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mutual funds (e.g. Triglav, Ilirika, KD Fund)<\/li>\n\n\n\n<li>Suitable for investors who want diversification without active management.<\/li>\n\n\n\n<li>ETF-i (Exchange Traded Funds)<\/li>\n\n\n\n<li>These are low-cost and diversified funds that track stock market indices (e.g. S&amp;P 500, MSCI World).<\/li>\n\n\n\n<li>Recommended ETFs:\n<ul class=\"wp-block-list\">\n<li>Vanguard FTSE All-World (VWCE) \u2013 global diversification<\/li>\n\n\n\n<li>iShares Core MSCI World \u2013 Developed World Companies<\/li>\n\n\n\n<li>SPDR S&amp;P 500 \u2013 largest US companies<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>4. Risky investments (for a smaller portion of the portfolio):<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Shares of individual companies \u2013 higher returns, but greater fluctuations.<\/li>\n\n\n\n<li>Cryptocurrencies \u2013 e.g. Bitcoin, Ethereum \u2013 very risky, only invest what you are willing to lose.<\/li>\n\n\n\n<li>Start-ups and crowdfunding \u2013 high risk, but potentially profitable.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>5. Don't invest in something you don't understand!<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before every investment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>check the company or fund,<\/li>\n\n\n\n<li>understand the risk,<\/li>\n\n\n\n<li>check costs and any taxes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Important:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don't invest blindly.<\/li>\n\n\n\n<li>Don't fall for \"instant\" get-rich-quick schemes or pyramid schemes.<\/li>\n\n\n\n<li>For long-term growth, choose regular monthly investing and patience.<\/li>\n\n\n\n<li>Better a little, but regularly than a lot at once.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key rules:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Listen to financial podcasts, read books, follow reliable sources (e.g. \"Finan\u010dna totka\", \"Smart Money\")<\/li>\n\n\n\n<li>Even \u20ac20\u201350 per month is enough to get started.<\/li>\n\n\n\n<li>Don't bet everything on one option.<\/li>\n\n\n\n<li>Watch out for costs and fees<\/li>\n\n\n\n<li>Use proven platforms<\/li>\n\n\n\n<li>Don't panic when the market falls because the market fluctuates, rising and falling.<\/li>\n\n\n\n<li>Have realistic expectations.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>1. Najprej: ustvari varnostno rezervo Preden za\u010dne\u0161 vlagati, poskrbi za: 2. Varnej\u0161e in bolj stabilne nalo\u017ebe (nizko tveganje): Nasveti in napotki 3. Srednje tvegane nalo\u017ebe (srednjero\u010dna rast): 4. Tvegane nalo\u017ebe (za manj\u0161i del portfelja): 5. Ne vlagaj v nekaj, \u010desar ne razume\u0161! Pred vsako nalo\u017ebo: Pomembno: Klju\u010dna pravila:<\/p>","protected":false},"author":1,"featured_media":10843,"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-10840","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\/10840","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=10840"}],"version-history":[{"count":0,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/posts\/10840\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/media\/10843"}],"wp:attachment":[{"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/media?parent=10840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/categories?post=10840"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.izobrazen.si\/en\/wp-json\/wp\/v2\/tags?post=10840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}