{"id":1169,"date":"2020-09-03T08:37:19","date_gmt":"2020-09-03T06:37:19","guid":{"rendered":"http:\/\/wem.sk\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/"},"modified":"2026-06-19T07:55:56","modified_gmt":"2026-06-19T07:55:56","slug":"%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8","status":"publish","type":"post","link":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/","title":{"rendered":"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: 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\u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0438<\/strong><\/h2>\n<p>\u041d\u0430 \u0442\u0440\u0435\u0442\u043e \u043c\u044f\u0441\u0442\u043e \u0432 \u0441\u043f\u0438\u0441\u044a\u043a\u0430 \u043f\u043e\u0441\u0442\u0430\u0432\u044f\u043c\u0435 \u0441\u0440\u043e\u0447\u043d\u0438\u0442\u0435 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0438. \u041f\u0440\u0438 \u0442\u044f\u0445 \u0434\u0435\u043f\u043e\u0437\u0438\u0440\u0430\u0442\u0435 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0430 \u0441\u0443\u043c\u0430 \u043f\u0430\u0440\u0438 \u0432 \u0431\u0430\u043d\u043a\u0430 \u0438 \u0442\u044f \u043e\u043f\u0435\u0440\u0438\u0440\u0430 \u0441 \u0442\u044f\u0445 \u043f\u0440\u0435\u0437 \u0433\u043e\u0434\u0438\u043d\u0438\u0442\u0435. \u041f\u043e\u043b\u0443\u0447\u0430\u0432\u0430\u0442\u0435 \u043b\u0438\u0445\u0432\u0430 \u043d\u0430 \u043f\u0430\u0440\u0438\u0442\u0435 \u0441\u0438 \u043f\u0440\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u0435, \u0447\u0435 \u043d\u0435 \u0433\u0438 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u0442\u0435.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-8834\" src=\"https:\/\/media-attachments.wem.sk\/2020\/08\/terminovane-vklady-300x200.jpg\" alt=\"\" width=\"597\" height=\"398\"><\/p>\n<p>\u0422\u0440\u044f\u0431\u0432\u0430 \u0434\u0430 \u0432\u043d\u0438\u043c\u0430\u0432\u0430\u0442\u0435 \u0432 \u043a\u043e\u044f \u0431\u0430\u043d\u043a\u0430 \u0441\u0438 \u043e\u0442\u043a\u0440\u0438\u0432\u0430\u0442\u0435 \u0441\u0440\u043e\u0447\u0435\u043d \u0434\u0435\u043f\u043e\u0437\u0438\u0442. \u0422\u044a\u0440\u0433\u043e\u0432\u0441\u043a\u0438\u0442\u0435 \u0431\u0430\u043d\u043a\u0438 \u0432 \u0411\u044a\u043b\u0433\u0430\u0440\u0438\u044f \u043e\u0431\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u043e \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0442 \u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u043d\u0430 \u043b\u0438\u0445\u0432\u0430 \u043e\u043a\u043e\u043b\u043e 0.80%. \u0414\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u0442\u0430 \u043d\u0430 \u043d\u044f\u043a\u043e\u0438 ETF-\u0438 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0442\u0435 \u043d\u044f\u043a\u043e\u043b\u043a\u043e \u0433\u043e\u0434\u0438\u043d\u0438 <a href=\"https:\/\/www.financial-planning.com\/slideshow\/which-passive-funds-have-best-10-year-returns\">\u0435 \u043e\u043a\u043e\u043b\u043e 10% \u0433\u043e\u0434\u0438\u0448\u043d\u043e<\/a>. \u0422\u043e\u0432\u0430, \u0440\u0430\u0437\u0431\u0438\u0440\u0430 \u0441\u0435, \u0435 \u043e\u0433\u0440\u043e\u043c\u043d\u0430 \u0440\u0430\u0437\u043b\u0438\u043a\u0430. \u0410\u043a\u043e \u0441\u0435 \u0447\u0443\u0434\u0438\u0442\u0435 \u0442\u043e\u0433\u0430\u0432\u0430 \u0437\u0430\u0449\u043e \u0445\u043e\u0440\u0430\u0442\u0430 \u0434\u044a\u0440\u0436\u0430\u0442 \u043f\u0430\u0440\u0438\u0442\u0435 \u0441\u0438 \u0432 \u0441\u0440\u043e\u0447\u043d\u0438 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0438, \u0449\u0435 \u0432\u0438 \u043e\u0431\u044f\u0441\u043d\u0438\u043c \u0432\u0435\u0434\u043d\u0430\u0433\u0430.<\/p>\n<p>\u041f\u0440\u0435\u0434\u0438\u043c\u0441\u0442\u0432\u043e\u0442\u043e \u043d\u0430 \u0442\u043e\u0437\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442 \u0435 \u043f\u043e-\u043d\u0438\u0441\u043a\u0438\u044f\u0442 \u0440\u0438\u0441\u043a \u0438 \u043f\u043e-\u0433\u043e\u043b\u044f\u043c\u0430\u0442\u0430 \u0434\u043e\u0441\u0442\u044a\u043f\u043d\u043e\u0441\u0442 \u0434\u043e \u043f\u0430\u0440\u0438\u0442\u0435. \u0422\u043e\u0432\u0430 \u0435 \u043e\u0441\u043e\u0431\u0435\u043d\u043e \u043f\u043e\u043b\u0435\u0437\u043d\u043e \u0437\u0430 \u043a\u043b\u0438\u0435\u043d\u0442\u0438, \u043a\u043e\u0438\u0442\u043e \u0449\u0435 \u0438\u043c\u0430\u0442 \u043d\u0443\u0436\u0434\u0430 \u043e\u0442 \u043f\u0430\u0440\u0438\u0442\u0435 \u0441\u0438 \u0432 \u043a\u0440\u0430\u0442\u043a\u043e\u0441\u0440\u043e\u0447\u0435\u043d \u043f\u043b\u0430\u043d (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 \u0432 \u0441\u043b\u0435\u0434\u0432\u0430\u0449\u0430\u0442\u0430 \u0435\u0434\u043d\u0430 \u0433\u043e\u0434\u0438\u043d\u0430).<\/p>\n<h2><strong>\u041a\u0430\u043a\u0432\u043e \u0434\u0430 \u043e\u0431\u043c\u0438\u0441\u043b\u0438\u0442\u0435 \u043f\u0440\u0435\u0434\u0438 \u0434\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u0442\u0435?<\/strong><\/h2>\n<p>\u041f\u0440\u0435\u0434\u0438 \u0434\u0430 \u0438\u0437\u0431\u0435\u0440\u0435\u0442\u0435 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u0430 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f, \u043e\u0431\u043c\u0438\u0441\u043b\u0435\u0442\u0435 \u0441\u043b\u0435\u0434\u043d\u0438\u0442\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u0438. \u041f\u044a\u0440\u0432\u043e \u0438 \u043d\u0430\u0439-\u0432\u0430\u0436\u043d\u043e, \u0442\u0440\u044f\u0431\u0432\u0430 \u0434\u0430 \u043e\u0441\u044a\u0437\u043d\u0430\u0435\u0442\u0435 \u0432\u0430\u0436\u043d\u0430\u0442\u0430 \u0440\u043e\u043b\u044f, \u043a\u043e\u044f\u0442\u043e \u0438\u0433\u0440\u0430\u0435 \u0432\u0440\u0435\u043c\u0435\u0442\u043e. \u0422\u043e\u0432\u0430 \u043e\u0437\u043d\u0430\u0447\u0430\u0432\u0430, \u0447\u0435 \u043a\u043e\u043b\u043a\u043e\u0442\u043e \u043f\u043e-\u0440\u0430\u043d\u043e \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u0442\u0435 \u0434\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u0442\u0435 \u0437\u0430 \u0431\u044a\u0434\u0435\u0449\u0435\u0442\u043e \u043d\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 \u0441\u0438, \u0442\u043e\u043b\u043a\u043e\u0432\u0430 \u043f\u043e-\u0434\u043e\u0431\u0440\u0435.<\/p>\n<p>\u041d\u0430\u0439-\u0434\u043e\u0431\u0440\u0435 \u0435 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u0442\u0435 \u0434\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u0442\u0435, \u0441\u043b\u0435\u0434 \u043a\u0430\u0442\u043e \u0431\u0435\u0431\u0435\u0442\u043e \u0441\u0435 \u0440\u043e\u0434\u0438. \u0422\u0430\u043a\u0430 \u0438\u043c\u0430\u0442\u0435 18 \u0433\u043e\u0434\u0438\u043d\u0438, \u043f\u0440\u0435\u0437 \u043a\u043e\u0438\u0442\u043e \u0434\u0430 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0437\u0430 \u043d\u0435\u0433\u043e\u0432\u0438\u044f \u0434\u043e\u043c, \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0438\u043b\u0438 \u0441\u0432\u0430\u0442\u0431\u0430. \u0410\u043a\u043e \u043e\u0442\u043b\u043e\u0436\u0438\u0442\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435\u0442\u043e, \u0449\u0435 \u0441\u043f\u0435\u0441\u0442\u0438\u0442\u0435 \u043f\u043e-\u043c\u0430\u043b\u043a\u043e \u043f\u0430\u0440\u0438 \u0438\u043b\u0438 \u0432 \u0434\u0430\u0434\u0435\u043d \u043c\u043e\u043c\u0435\u043d\u0442 \u0449\u0435 \u0432\u0438 \u0441\u0435 \u043d\u0430\u043b\u043e\u0436\u0438 \u0434\u0430 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0434\u043e\u0441\u0442\u0430 \u043f\u043e\u0432\u0435\u0447\u0435 \u043c\u0435\u0441\u0435\u0447\u043d\u043e, \u0437\u0430 \u0434\u0430 \u0434\u043e\u0441\u0442\u0438\u0433\u043d\u0435\u0442\u0435 \u0434\u043e \u043a\u0440\u0430\u0439\u043d\u0430\u0442\u0430 \u0446\u0435\u043b.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone  wp-image-8831\" src=\"https:\/\/media-attachments.wem.sk\/2020\/08\/investicna-strategia-300x200.jpg\" alt=\"\" width=\"597\" height=\"398\"><\/p>\n<p>\u0412\u0430\u0436\u043d\u043e \u0435 \u0441\u044a\u0449\u043e \u0434\u0430 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0438\u0442\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u043d\u043e \u0438 \u0441\u0443\u043c\u0430\u0442\u0430, \u043a\u044a\u043c \u043a\u043e\u044f\u0442\u043e \u0441\u0435 \u0441\u0442\u0440\u0435\u043c\u0438\u0442\u0435. \u0422\u0440\u044f\u0431\u0432\u0430 \u0434\u0430 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0438\u0442\u0435 \u0442\u0430\u0437\u0438 \u0441\u0443\u043c\u0430 \u043e\u0431\u0435\u043a\u0442\u0438\u0432\u043d\u043e, \u0432\u0437\u0438\u043c\u0430\u0439\u043a\u0438 \u043f\u0440\u0435\u0434\u0432\u0438\u0434 \u043d\u044f\u043a\u043e\u043b\u043a\u043e \u0444\u0430\u043a\u0442\u043e\u0440\u0430. \u0421\u044a\u0449\u043e \u043c\u043e\u0436\u0435\u0442\u0435 \u0434\u0430 \u043f\u0440\u043e\u0432\u0435\u0440\u0438\u0442\u0435 \u0438 <a href=\"https:\/\/www.topuniversities.com\/student-info\/student-finance\/tuition-fees-worlds-top-universities\">\u043a\u043e\u043b\u043a\u043e \u0441\u0442\u0440\u0443\u0432\u0430 \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u0435\u0442\u043e \u0432 \u043f\u0440\u0435\u0441\u0442\u0438\u0436\u043d\u0438\u0442\u0435 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0438<\/a>.<\/p>\n<p>\u041f\u043e\u0440\u0430\u0434\u0438 \u0438\u043d\u0444\u043b\u0430\u0446\u0438\u044f\u0442\u0430 \u0442\u0435\u0437\u0438 \u0441\u0443\u043c\u0438 \u0449\u0435 \u0441\u0435 \u0443\u0432\u0435\u043b\u0438\u0447\u0430\u0442 \u0438 \u043e\u0449\u0435 \u043f\u0440\u0435\u0437 \u0433\u043e\u0434\u0438\u043d\u0438\u0442\u0435. \u0422\u043e\u0432\u0430 \u0435 \u0438 \u043f\u0440\u0438\u0447\u0438\u043d\u0430\u0442\u0430 \u0434\u0430 \u043d\u0435 \u0435 \u0442\u043e\u043b\u043a\u043e\u0432\u0430 \u043b\u0435\u0441\u043d\u043e \u0434\u0430 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0438\u0442\u0435 \u043a\u043e\u043b\u043a\u043e \u0449\u0435 \u0441\u0442\u0440\u0443\u0432\u0430 \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u0435\u0442\u043e \u0441\u043b\u0435\u0434 \u0434\u0435\u0441\u0435\u0442 \u0438\u043b\u0438 \u0434\u0432\u0430\u0439\u0441\u0435\u0442 \u0433\u043e\u0434\u0438\u043d\u0438.<\/p>\n<p>\u0421\u044a\u0449\u043e\u0442\u043e \u0432\u0430\u0436\u0438 \u0437\u0430 \u0446\u0435\u043d\u0438\u0442\u0435 \u043d\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u0438\u0442\u0435 \u0438\u043c\u043e\u0442\u0438. \u0410\u043a\u043e \u0438\u0441\u043a\u0430\u0442\u0435 \u0434\u0430 \u0438\u0437\u0431\u0435\u0440\u0435\u0442\u0435 \u0432\u044a\u0437\u043c\u043e\u0436\u043d\u043e \u043d\u0430\u0439-\u0442\u043e\u0447\u043d\u0430\u0442\u0430 \u043a\u0440\u0430\u0439\u043d\u0430 \u0446\u0435\u043b \u043a\u0430\u0442\u043e \u0441\u0443\u043c\u0430, \u043d\u0430\u0439-\u0434\u043e\u0431\u0440\u0435 <a href=\"https:\/\/wem.sk\/bg\/%d0%b7%d0%b0-%d0%bd%d0%b0%d1%81\/\">\u0441\u0435 \u0441\u0432\u044a\u0440\u0436\u0435\u0442\u0435 \u0441 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0438 \u0435\u043a\u0441\u043f\u0435\u0440\u0442\u0438<\/a>. \u041e\u0441\u0432\u0435\u043d \u043f\u0440\u043e\u043c\u044f\u043d\u0430\u0442\u0430 \u043d\u0430 \u0446\u0435\u043d\u0438\u0442\u0435 \u043f\u0440\u0435\u0437 \u0432\u0440\u0435\u043c\u0435\u0442\u043e, \u0442\u0435 \u0449\u0435 \u0432\u0437\u0435\u043c\u0430\u0442 \u043f\u0440\u0435\u0434\u0432\u0438\u0434 \u0438 \u0434\u0440\u0443\u0433\u0438 \u0444\u0430\u043a\u0442\u043e\u0440\u0438 \u043a\u0430\u0442\u043e \u0442\u0430\u043a\u0441\u0438 \u0438 \u0440\u0430\u0437\u0445\u043e\u0434\u0438.<\/p>\n<p>\u0421\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u043d\u0435\u0442\u043e \u0437\u0430 \u0434\u0435\u0446\u0430 \u0435 \u0435\u0434\u043d\u043e \u043e\u0442 \u043d\u0430\u0439-\u0447\u0435\u0441\u0442\u0438\u0442\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0438 \u043d\u0430\u0447\u0438\u043d\u0430\u043d\u0438\u044f, \u043a\u043e\u0438\u0442\u043e \u0440\u043e\u0434\u0438\u0442\u0435\u043b\u0438\u0442\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u0435\u043c\u0430\u0442. \u0412\u044a\u043f\u0440\u0435\u043a\u0438 \u0447\u0435 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u043d\u0435\u0442\u043e \u043d\u0430 \u043f\u0430\u0440\u0438 \u043d\u0435 \u0435 \u044f\u0434\u0440\u0435\u043d\u0430 \u0444\u0438\u0437\u0438\u043a\u0430, \u043c\u043e\u0433\u0430\u0442 \u0434\u0430 \u0431\u044a\u0434\u0430\u0442 \u0434\u043e\u043f\u0443\u0441\u043d\u0430\u0442\u0438 \u043d\u0435 \u043c\u0430\u043b\u043a\u043e \u0433\u0440\u0435\u0448\u043a\u0438, \u043a\u043e\u0438\u0442\u043e \u0434\u0430 \u0432\u0438 \u0441\u0442\u0440\u0443\u0432\u0430\u0442 \u043d\u0435 \u0441\u0430\u043c\u043e \u043f\u0430\u0440\u0438, \u043d\u043e \u0438 \u0432\u0440\u0435\u043c\u0435. \u0418\u043c\u0430\u0442\u0435 \u0442\u043e\u0447\u043d\u043e \u0435\u0434\u0438\u043d \u0448\u0430\u043d\u0441 \u0434\u0430 \u043f\u043e\u0434\u0441\u0438\u0433\u0443\u0440\u0438\u0442\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0442\u043e \u0431\u044a\u0434\u0435\u0449\u0435 \u043d\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 \u0441\u0438 \u0438 \u0435 \u0432\u0430\u0436\u043d\u043e \u0434\u0430 \u0433\u043e \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u0442\u0435 \u043e\u043f\u0442\u0438\u043c\u0430\u043b\u043d\u043e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u0438\u0442\u0435 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u043d\u0438\u044f \u043c\u043e\u0433\u0430\u0442 \u0434\u0430 \u0432\u0438 \u0434\u043e\u043d\u0435\u0441\u0430\u0442 \u0434\u043e\u0441\u0442\u0430 \u043f\u043e-\u0434\u043e\u0431\u0440\u0430 \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442 \u043e\u0442 \u0441\u043f\u0435\u0441\u0442\u043e\u0432\u043d\u0438\u0442\u0435 \u0441\u043c\u0435\u0442\u043a\u0438. \u0417\u0430 \u043f\u0440\u0430\u0432\u0438\u043b\u043d\u0438\u044f \u0438\u0437\u0431\u043e\u0440 \u043d\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u0435\u043d \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442 \u0435 \u0432\u0430\u0436\u043d\u043e \u0434\u0430 \u0432\u0437\u0435\u043c\u0435\u0442\u0435 \u043f\u0440\u0435\u0434\u0432\u0438\u0434 \u043a\u043e\u043b\u043a\u043e \u0449\u0435 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0438 \u0437\u0430 \u043a\u043e\u043b\u043a\u043e \u0432\u0440\u0435\u043c\u0435. \u0421\u0435\u0433\u0430 \u0449\u0435 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0430\u043c\u0435 \u043a\u043e\u0438 \u0441\u0430 \u043d\u0430\u0439-\u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0449\u0438\u0442\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0437\u0430 \u043f\u043e\u0434\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0431\u044a\u0434\u0435\u0449\u0435\u0442\u043e \u043d\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 \u0432\u0438. ETF \u0444\u043e\u043d\u0434\u043e\u0432\u0435 \u0410\u043a\u043e \u0438\u0441\u043a\u0430\u0442\u0435 \u0434\u0430 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0432\u044a\u0437\u043c\u043e\u0436\u043d\u043e \u043d\u0430\u0439-\u043c\u043d\u043e\u0433\u043e \u0437\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 &hellip; <a href=\"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/\">Continued<\/a><\/p>\n","protected":false},"author":7,"featured_media":1560,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,196],"insight_author":[193],"class_list":["post-1169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-wealth-management"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: \u043a\u043e\u0433\u0430 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u043c \u0438 \u043a\u0430\u043a\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0434\u0430 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u043c\u0435? - Wealth Effect Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/\" \/>\n<meta property=\"og:locale\" content=\"bg_BG\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: \u043a\u043e\u0433\u0430 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u043c \u0438 \u043a\u0430\u043a\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0434\u0430 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u043c\u0435? - Wealth Effect Management\" \/>\n<meta property=\"og:description\" content=\"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u0438\u0442\u0435 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u043d\u0438\u044f \u043c\u043e\u0433\u0430\u0442 \u0434\u0430 \u0432\u0438 \u0434\u043e\u043d\u0435\u0441\u0430\u0442 \u0434\u043e\u0441\u0442\u0430 \u043f\u043e-\u0434\u043e\u0431\u0440\u0430 \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442 \u043e\u0442 \u0441\u043f\u0435\u0441\u0442\u043e\u0432\u043d\u0438\u0442\u0435 \u0441\u043c\u0435\u0442\u043a\u0438. \u0417\u0430 \u043f\u0440\u0430\u0432\u0438\u043b\u043d\u0438\u044f \u0438\u0437\u0431\u043e\u0440 \u043d\u0430 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u0435\u043d \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442 \u0435 \u0432\u0430\u0436\u043d\u043e \u0434\u0430 \u0432\u0437\u0435\u043c\u0435\u0442\u0435 \u043f\u0440\u0435\u0434\u0432\u0438\u0434 \u043a\u043e\u043b\u043a\u043e \u0449\u0435 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0438 \u0437\u0430 \u043a\u043e\u043b\u043a\u043e \u0432\u0440\u0435\u043c\u0435. \u0421\u0435\u0433\u0430 \u0449\u0435 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0430\u043c\u0435 \u043a\u043e\u0438 \u0441\u0430 \u043d\u0430\u0439-\u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0449\u0438\u0442\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0437\u0430 \u043f\u043e\u0434\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0431\u044a\u0434\u0435\u0449\u0435\u0442\u043e \u043d\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 \u0432\u0438. ETF \u0444\u043e\u043d\u0434\u043e\u0432\u0435 \u0410\u043a\u043e \u0438\u0441\u043a\u0430\u0442\u0435 \u0434\u0430 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0432\u044a\u0437\u043c\u043e\u0436\u043d\u043e \u043d\u0430\u0439-\u043c\u043d\u043e\u0433\u043e \u0437\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 &hellip; Continued\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/\" \/>\n<meta property=\"og:site_name\" content=\"Wealth Effect Management\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-03T06:37:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-19T07:55:56+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/wem.sk\/wp-content\/uploads\/2020\/09\/investovanie-pre-deti.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"601\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elena Kotova\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elena Kotova\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/wem.sk\\\/bg\\\/insights\\\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/bg\\\/insights\\\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\\\/\"},\"author\":{\"name\":\"Elena Kotova\",\"@id\":\"https:\\\/\\\/wem.sk\\\/bg\\\/#\\\/schema\\\/person\\\/74f3821b6c13a1e7d3221e7f09f470aa\"},\"headline\":\"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: \u043a\u043e\u0433\u0430 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u043c \u0438 \u043a\u0430\u043a\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0434\u0430 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u043c\u0435?\",\"datePublished\":\"2020-09-03T06:37:19+00:00\",\"dateModified\":\"2026-06-19T07:55:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/bg\\\/insights\\\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\\\/\"},\"wordCount\":649,\"image\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/bg\\\/insights\\\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wem.sk\\\/wp-content\\\/uploads\\\/2020\\\/09\\\/investovanie-pre-deti.jpg\",\"articleSection\":[\"Uncategorized\",\"Wealth Management\"],\"inLanguage\":\"bg-BG\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wem.sk\\\/bg\\\/insights\\\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\\\/\",\"url\":\"https:\\\/\\\/wem.sk\\\/bg\\\/insights\\\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\\\/\",\"name\":\"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: \u043a\u043e\u0433\u0430 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u043c \u0438 \u043a\u0430\u043a\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0434\u0430 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u043c\u0435? 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ETF \u0444\u043e\u043d\u0434\u043e\u0432\u0435 \u0410\u043a\u043e \u0438\u0441\u043a\u0430\u0442\u0435 \u0434\u0430 \u0441\u043f\u0435\u0441\u0442\u044f\u0432\u0430\u0442\u0435 \u0432\u044a\u0437\u043c\u043e\u0436\u043d\u043e \u043d\u0430\u0439-\u043c\u043d\u043e\u0433\u043e \u0437\u0430 \u0434\u0435\u0446\u0430\u0442\u0430 &hellip; Continued","og_url":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/","og_site_name":"Wealth Effect Management","article_published_time":"2020-09-03T06:37:19+00:00","article_modified_time":"2026-06-19T07:55:56+00:00","og_image":[{"width":1000,"height":601,"url":"http:\/\/wem.sk\/wp-content\/uploads\/2020\/09\/investovanie-pre-deti.jpg","type":"image\/jpeg"}],"author":"Elena Kotova","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Elena Kotova"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/#article","isPartOf":{"@id":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/"},"author":{"name":"Elena Kotova","@id":"https:\/\/wem.sk\/bg\/#\/schema\/person\/74f3821b6c13a1e7d3221e7f09f470aa"},"headline":"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: \u043a\u043e\u0433\u0430 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u043c \u0438 \u043a\u0430\u043a\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0434\u0430 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u043c\u0435?","datePublished":"2020-09-03T06:37:19+00:00","dateModified":"2026-06-19T07:55:56+00:00","mainEntityOfPage":{"@id":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/"},"wordCount":649,"image":{"@id":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/#primaryimage"},"thumbnailUrl":"https:\/\/wem.sk\/wp-content\/uploads\/2020\/09\/investovanie-pre-deti.jpg","articleSection":["Uncategorized","Wealth Management"],"inLanguage":"bg-BG"},{"@type":"WebPage","@id":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/","url":"https:\/\/wem.sk\/bg\/insights\/%d0%b8%d0%bd%d0%b2%d0%b5%d1%81%d1%82%d0%b8%d1%80%d0%b0%d0%bd%d0%b5-%d0%b7%d0%b0-%d0%b4%d0%b5%d1%86%d0%b0-%d0%ba%d0%be%d0%b3%d0%b0-%d0%b4%d0%b0-%d0%b7%d0%b0%d0%bf%d0%be%d1%87%d0%bd%d0%b5%d0%bc-%d0%b8\/","name":"\u0418\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u043d\u0435 \u0437\u0430 \u0434\u0435\u0446\u0430: \u043a\u043e\u0433\u0430 \u0434\u0430 \u0437\u0430\u043f\u043e\u0447\u043d\u0435\u043c \u0438 \u043a\u0430\u043a\u0432\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0438 \u0434\u0430 \u0438\u0437\u043f\u043e\u043b\u0437\u0432\u0430\u043c\u0435? 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