{"id":1429,"date":"2025-03-31T15:05:16","date_gmt":"2025-03-31T13:05:16","guid":{"rendered":"http:\/\/wem.sk\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\/"},"modified":"2026-06-09T14:41:43","modified_gmt":"2026-06-09T14:41:43","slug":"vyrocna-sprava-2024-prihovor-predsedu-predstavenstva","status":"publish","type":"post","link":"https:\/\/wem.sk\/sk\/insights\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\/","title":{"rendered":"V\u00fdro\u010dn\u00e1 spr\u00e1va 2024 \u2014 Pr\u00edhovor predsedu predstavenstva"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u010co sa vlastne deje, ako sa v\u00e1s to t\u00fdka \u2014 <br>a \u010do z toho m\u00e1te&nbsp;vy<\/h2>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>V\u00e1\u017een\u00ed klienti, investori a partneri,<\/strong><br>nielen vo finan\u010dnom svete s\u00fa d\u00f4le\u017eit\u00e9 dve k\u013e\u00fa\u010dov\u00e9 ot\u00e1zky:<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">1. \u010co sa vlastne deje<br>2. Ako sa v\u00e1s to t\u00fdka<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Akoko\u013evek sa na to pozrieme \u2014 vn\u00edma\u0165 veci, okolnosti a situ\u00e1cie jasne (\u201e\u010do sa vlastne deje\u201c) a vedie\u0165 z nich spr\u00e1vne vyvodi\u0165 z\u00e1very, rozhodnutie a postupy (\u201eako sa v\u00e1s to t\u00fdka\u201c) je z\u00e1sadn\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A tie\u017e n\u00e1ro\u010dn\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ak \u010doko\u013evek, snaha o dosiahnutie presn\u00e9ho vn\u00edmania a jednania mus\u00ed nevyhnutne by\u0165 zaplaten\u00e1 ve\u013ek\u00fdm mno\u017estvom \u00fasilia, \u010dasu a \u00e1no, aj omylov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00daprimnos\u0165. Transparentnos\u0165. Sebareflexia. Ve\u013ek\u00e9 n\u00e1roky na seba sam\u00e9ho.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To v\u0161etko s\u00fa z\u00e1kladn\u00e9 predpoklady na to, aby bolo mo\u017en\u00e9 kontinu\u00e1lne pracova\u0165 na postupnom zlep\u0161ovan\u00ed, seba \u010di svojho \u017eivotn\u00e9ho diela. V mojom pr\u00edpade \u2014 WEM-u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Preto ka\u017ed\u00e9 ohliadnutie sa a bilancovanie, napr\u00edklad v podobe v\u00fdro\u010dnej spr\u00e1vy, pre m\u0148a nie je iba form\u00e1lnym; je neoddelite\u013enou s\u00fa\u010das\u0165ou toho, ako sa usilujem \u017ei\u0165, pracova\u0165 a prin\u00e1\u0161a\u0165 v\u00fdsledky pre na\u0161ich klientov, partnerov a investorov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dovo\u013ete mi preto pros\u00edm, aby som sa touto optikou pozrel dozadu aj vpred a dotkol sa nieko\u013ek\u00fdch \u00fastredn\u00fdch bodov:<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa deje v spolo\u010dnosti?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00fd z n\u00e1s je (nieko\u013ekokr\u00e1t) denne konfrontovan\u00fd s t\u00fdm, ak\u00e1 dynamick\u00e1 a n\u00e1ro\u010dn\u00e1 je s\u00fa\u010dasn\u00e1 doba.<br>Zhodneme sa tie\u017e zrejme na tom, \u017ee to u\u017e inak asi nebude a sk\u00f4r sa to bude \u010falej zintenz\u00edv\u0148ova\u0165.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S t\u00fdm v\u0161etk\u00fdm narast\u00e1 tlak a naliehavos\u0165 a je st\u00e1le n\u00e1ro\u010dnej\u0161ie vedie\u0165 sa spr\u00e1vne rozhodn\u00fa\u0165, vysporiada\u0165 sa s dan\u00fdmi situ\u00e1ciami a vedie\u0165 identifikova\u0165, kedy je u\u017e v\u0161etk\u00e9ho prive\u013ea a je potrebn\u00e9 poveda\u0165 nie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Narast\u00e1 tlak na medzi\u013eudsk\u00e9 vz\u0165ahy a je n\u00e1ro\u010dnej\u0161ie venova\u0165 im potrebn\u00fa trpezlivos\u0165, otvorenos\u0165 a pozornos\u0165, aby ich bolo mo\u017en\u00e9 udr\u017ea\u0165 zdrav\u00e9 a prosperuj\u00face.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Narast\u00e1 pretlak inform\u00e1ci\u00ed a je st\u00e1le n\u00e1ro\u010dnej\u0161ie vyhodnoti\u0165 relevantn\u00e9 zdroje a ktor\u00e9 inform\u00e1cie na n\u00e1s maj\u00fa \u010di nemaj\u00fa ma\u0165 vplyv.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Je potrebn\u00e9 h\u013eada\u0165 rovnov\u00e1hu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010clovek je tvor emot\u00edvny a nie v\u017edy vie veci vyhodnoti\u0165 spr\u00e1vne. Rovnako to plat\u00ed aj pri investovan\u00ed \u2014 tu je v\u0161ak k\u013e\u00fa\u010dov\u00e9 o rovnov\u00e1hu usilova\u0165 a namiesto pocitov da\u0165 \u010do najv\u00e4\u010d\u0161iu v\u00e1hu racionalite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Myslime teda viac na h\u013eadanie rovnov\u00e1hy. Vo vz\u0165ahoch v pr\u00e1ci aj v s\u00fakrom\u00ed, v n\u00e1rokoch a uvo\u013enen\u00ed \u2014 ale aj pri na\u0161ich rozhodnutiach vo financi\u00e1ch a pri investovan\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Overen\u00e1 \u201ezlat\u00e1 stredn\u00e1 cesta\u201c a \u201edvakr\u00e1t meraj a raz re\u017e\u201c s\u00fa v invest\u00edci\u00e1ch dobr\u00fdm vod\u00edtkom.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa deje vo WEM-e?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u013dudia s\u00fa a na\u010falej bud\u00fa k\u013e\u00fa\u010dov\u00fdm aspektom v\u0161etk\u00e9ho. S \u010d\u00edm bojujeme \u2014 rovnako ako v\u00e4\u010d\u0161ina \u00fazkoprofilov\u00fdch oblast\u00ed \u2014 je nedostatok kvalifikovan\u00fdch a sk\u00fasen\u00fdch, vyzret\u00fdch \u013eud\u00ed. Z\u00e1rove\u0148 som v\u010fa\u010dn\u00fd za na\u0161e st\u00e1lice, ktor\u00e9 odv\u00e1dzaj\u00fa tvrd\u00fa pr\u00e1cu u\u017e dlh\u00e9 roky, \u010di u\u017e v back alebo front office.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010co si zasluhuje osobitn\u00fa zmienku a vyzdvihnutie, je na\u0161a nieko\u013ekoro\u010dn\u00e1 spolupr\u00e1ca a u\u017e partnerstvo s Norbertom G\u00e1likom, na\u0161\u00edm CTO. Jeho pr\u00edchod do WEM-u v roku 2020 znamenal za\u010diatok \u00e9ry, v ktorej sme boli schopn\u00ed urobi\u0165 m\u00ed\u013eov\u00e9 kroky a neuverite\u013en\u00fd progres. Jeho pr\u00ednos, zdie\u013ean\u00e9 hodnoty, v\u00edzia a neut\u00edchaj\u00faci drive s\u00fa viac ako dostato\u010dn\u00e9 d\u00f4vody na to, aby som jeho podiel vo WEM-e nav\u00fd\u0161il na 7,5 %.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hlavn\u00fdm cie\u013eom v\u0161etk\u00fdch (nielen) person\u00e1lnych krokov je na\u010falej profesionalizova\u0165 a zefekt\u00edv\u0148ova\u0165 n\u00e1\u0161 v\u00fdkon naprie\u010d oddeleniami \u2014 administrat\u00edvou, operat\u00edvou aj exekut\u00edvou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pochopite\u013ene, k \u013eu\u010fom a ich p\u00f4sobeniu nevyhnutne patria aj zmeny. Niektor\u00e9 bud\u00fa s\u00favisie\u0165 so zmenou poz\u00edci\u00ed, in\u00e9 s person\u00e1lnymi obmenami. Najd\u00f4le\u017eitej\u0161ie je rozhodne to, ako budeme rozv\u00edja\u0165 u\u017e existuj\u00faci t\u00edm a koho do WEM-u prijmeme ako nov\u00fdch \u010dlenov na k\u013e\u00fa\u010dov\u00e9 poz\u00edcie.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa deje s na\u0161imi poplatkami?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">My sami nazer\u00e1me na WEM ako na spolo\u010dnos\u0165, ktor\u00e1 sa od svojho po\u010diatku sna\u017e\u00ed poskytova\u0165 \u010do najkvalitnej\u0161ie a z\u00e1rove\u0148 najf\u00e9rovej\u0161ie produkty a slu\u017eby.<br>Nie nevyhnutne najlacnej\u0161ie \u2014 av\u0161ak s \u010do najv\u00e4\u010d\u0161ou dod\u00e1vanou hodnotou, ktor\u00e1 potom prin\u00e1\u0161a spokojnos\u0165 na\u0161im klientom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poplatky s\u00fa nevyhnutnou s\u00fa\u010das\u0165ou fungovania spolo\u010dnost\u00ed, nie v\u017edy s\u00fa v\u0161ak dostato\u010dne transparentn\u00e9. My k tomu pristupujeme inak, po na\u0161om. Preto:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V cene a poplatkoch na\u0161ich portf\u00f3li\u00ed s\u00fa aktu\u00e1lne zahrnut\u00e9 aj na\u0161e slu\u017eby wealth managementu a osobn\u00e9ho pr\u00edstupu prostredn\u00edctvom n\u00e1\u0161ho Wealth Departmentu. S v\u00fdnimkou n\u00e1\u0161ho investi\u010dn\u00e9ho sporenia Save For Tomorrow s\u00fa teda v poplatkoch zahrnut\u00e9 aj management fee, entry fee, performance fee aj success fee; v praxi pribli\u017ene v pomere 50:50. Polovica poplatku teda pokr\u00fdva operat\u00edvu a spr\u00e1vu portf\u00f3li\u00ed, druh\u00e1 polovica zas v\u0161etky ostatn\u00e9 slu\u017eby a klientsku starostlivos\u0165.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ako to napokon rob\u00edme s\u00fastavne, aj na\u010falej budeme \u010do najviac aspektov na\u0161ich oper\u00e1ci\u00ed zefekt\u00edv\u0148ova\u0165 a, kde je to mo\u017en\u00e9, automatizova\u0165. To sa okrem in\u00e9ho prejav\u00ed aj v zmen\u00e1ch v poplatkoch a ich postupnom zni\u017eovan\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kam a\u017e sa takto s poplatkami budeme vedie\u0165 dosta\u0165 bude v\u017edy z\u00e1le\u017ea\u0165 od poskytovanej slu\u017eby a v\u00fdkonnosti na\u0161ich portf\u00f3li\u00ed. Na\u0161a amb\u00edcia je dosta\u0165 sa pri akt\u00edvnej spr\u00e1ve pod \u00farove\u0148 2 % za dynamick\u00e9 portf\u00f3lia, 1 % za vyv\u00e1\u017een\u00e9 a 0,5 % za konzervat\u00edvne, s n\u00e1rokom na performance a success fee v rozmedz\u00ed 5 \u2013 10 %. Pri pas\u00edvnej spr\u00e1ve sa chceme dosta\u0165 a\u017e na \u00farove\u0148 0,5 %, bez n\u00e1roku na performance a success fee.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa deje s chybami?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chyby sa dej\u00fa. S\u00fa be\u017enou s\u00fa\u010das\u0165ou na\u0161ich \u017eivotov. Rob\u00edme ich aj vo&nbsp;WEM-e. Nie je v\u0161ak \u0161tandardom trhu, \u017ee sa o nich hovor\u00ed; sk\u00f4r je to v biznise a\u017e tabu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Len\u017ee jedin\u00fd, kto ni\u010d nepokaz\u00ed, je ten, kto nerob\u00ed ni\u010d.<br>A my vo WEM-e rob\u00edme ve\u013ea. Ver\u00edme v\u0161ak, \u017ee sa chybami pos\u00favame.<br>Presnej\u0161ie \u2014 s chybami, identifik\u00e1ciou pr\u00ed\u010diny a zaveden\u00edm rie\u0161enia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nie sme e\u0161te samozrejme dokonal\u00ed v zlep\u0161ovan\u00ed sa ani v tom, ako ku chyb\u00e1m pristupujeme. R\u00f4zni \u013eudia a r\u00f4zne nastavenia znamenaj\u00fa aj r\u00f4zne reakcie na chyby.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Domnievam sa, \u017ee cel\u00e1 kult\u00fara okolo robenia ch\u00fdb je na Slovensku st\u00e1le ve\u013emi nezrel\u00e1. Nazera\u0165 na chyby ako na nie\u010do neakceptovate\u013en\u00e9 a pristupova\u0165 ku chyb\u00e1m druh\u00fdch optikou \u201emne by sa to nemohlo sta\u0165, preto\u017ee ja chyby nerob\u00edm\u201c m\u00f4\u017ee vytv\u00e1ra\u0165 iba krehk\u00fd, neudr\u017eate\u013en\u00fd a v kone\u010dnom d\u00f4sledku extr\u00e9mne neefekt\u00edvny syst\u00e9m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ak\u00e9 chyby sme teda urobili v minulom roku my?<br>Zamerali sme na na pr\u00edli\u0161 ve\u013ea nov\u00fdch doplnkov\u00fdch aktiv\u00edt a projektov. Hoci s dobr\u00fdm \u00famyslom a hoci ka\u017ed\u00fd z nich m\u00e1 potenci\u00e1l by\u0165 hodnotn\u00fdm doplnkom do spektra na\u0161ich slu\u017eieb, nie na ka\u017ed\u00fd dozreli spr\u00e1vne podmienky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Urobili sme p\u00e1r ch\u00fdb pri nastavovan\u00ed extern\u00fdch spolupr\u00e1c a projektov a tie\u017e pri posudzovan\u00ed akt\u00edv zara\u010fovan\u00fdch do na\u0161ich investi\u010dn\u00fdch portf\u00f3li\u00ed. Na svete v\u0161ak neexistuje spr\u00e1vca, a teda ani my, ktor\u00fd dok\u00e1\u017ee robi\u0165 v\u0161etky svoje investi\u010dn\u00e9 rozhodnutia spr\u00e1vne. M\u00e1me v\u0161ak nastaven\u00fd proces, ktor\u00fdm priebe\u017ene vyhodnocujeme pr\u00ed\u010diny t\u00fdchto rozhodnut\u00ed a rob\u00edme potrebn\u00e9 n\u00e1pravn\u00e9 opatrenia. V kone\u010dnom d\u00f4sledku je d\u00f4le\u017eit\u00e1 \u0161tatistika a \u00faspe\u0161nos\u0165, o ktor\u00fa sa s vami podel\u00edm nesk\u00f4r v grafoch a \u010d\u00edslach.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Viac fokusu a rozvahy pri vyhodnocovan\u00ed, do \u010doho sa pusti\u0165 a do \u010doho nie.<br>Spr\u00e1vne nastaven\u00fd proces rev\u00edzie rozhodnut\u00ed, v\u00fdsledkov, sk\u00fasenost\u00ed a korek\u010dn\u00fdch krokov.<br>Znovu a znovu.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa deje so Slov\u00e1kmi a ich investi\u010dnou mentalitou?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eReality s\u00fa tou najlep\u0161ou invest\u00edciou.\u201c<br>Aj vy ste toho n\u00e1zoru? Po situ\u00e1cii s katastrom na prelome rokov sa va\u0161e vn\u00edmanie mo\u017eno trochu zmenilo.<br>Netreba v\u0161ak tie\u017e zab\u00fada\u0165 na to, \u017ee Slov\u00e1ci maj\u00fa ve\u013emi kr\u00e1tku pam\u00e4\u0165.<br>Aspo\u0148 zatia\u013e v\u0161ak plat\u00ed, \u017ee viacero na\u0161ich klientov sa spolu s v\u00fdvojom politickej situ\u00e1cie zam\u00fd\u0161\u013ea nad t\u00fdm, \u017ee by \u010das\u0165 svojho zainvestovan\u00e9ho kapit\u00e1lu mohli z real\u00edt stiahnu\u0165.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je tie\u017e na mieste by\u0165 opatrn\u00fd a nenecha\u0165 sa \u201eopi\u0165 ro\u017ekom\u201c, \u010do je tie\u017e oblas\u0165, v ktorej s\u00fa Slov\u00e1ci \u017eia\u013e ve\u013emi \u00faspe\u0161n\u00ed. Radi sa nechaj\u00fa nal\u00e1ka\u0165 na neuverite\u013ene l\u00e1kav\u00e9 investi\u010dn\u00e9 pr\u00edle\u017eitosti, ktor\u00e9 pon\u00fakaj\u00fa v\u00fdnosy z r\u00ed\u0161e snov \u2014 a nie s\u00fa regulovan\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aktu\u00e1lnou t\u00e9mou bude aj mo\u017enos\u0165 investova\u0165 do slovensk\u00fdch \u0161t\u00e1tnych dlhopisov, ktor\u00e9 bud\u00fa pon\u00faka\u0165 dve mo\u017enosti so zhodnoten\u00edm na \u00farovni 3 a 3,3 % s horizontom 2 a 4 roky. Enormn\u00fd z\u00e1ujem o ne potvrdzuje opatrnos\u0165 slovensk\u00fdch investorov a ich pr\u00edklon k stabiln\u00e9mu zhodnoteniu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pri posudzovan\u00ed l\u00e1kavo znej\u00facich investi\u010dn\u00fdch pr\u00edle\u017eitost\u00ed, ako v\u017edy, odpor\u00fa\u010dame triezvy pr\u00edstup a ide\u00e1lne konzult\u00e1ciu so spo\u013eahliv\u00fdm partnerom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pokia\u013e ide o nehnute\u013enosti, pri spr\u00e1vnej alok\u00e1cii a rozhodnut\u00ed sme samozrejme pripraven\u00ed pom\u00f4c\u0165 v pr\u00edpade k\u00fapy aj predaja. Navzdory aktu\u00e1lnej situ\u00e1cii s katastrom to neznamen\u00e1 \u017ee by sme vo WEM-e realitn\u00e9mu trhu neverili. Naopak, vie by\u0165 d\u00f4le\u017eitou s\u00fa\u010das\u0165ou skladby portf\u00f3lia a spr\u00e1vnej alok\u00e1cie majetku.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa deje s alok\u00e1ciou va\u0161ich pe\u0148az\u00ed a kde s\u00fa zainvestovan\u00e9?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">93,51 % v\u0161etk\u00fdch akt\u00edv je zainvestovan\u00fdch na verejne obchodovate\u013enom trhu. Aktu\u00e1lne je nak\u00fapen\u00fdch celkovo 185 cenn\u00fdch papierov, z toho 70 single stocks a 103 prostredn\u00edctvom ETF fondov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zvy\u0161n\u00fa \u010das\u0165 potom tvoria akt\u00edva nak\u00fapen\u00e9 prostredn\u00edctvom Komision\u00e1rskej zmluvy cez post\u00fapenie pokynu na n\u00e1kup cenn\u00fdch papierov, zv\u00e4\u010d\u0161a korpor\u00e1tnych dlhopisov alebo \u0161trukt\u00farovan\u00fdch produktov. Detailn\u00e9 vysvetlenie k Zmluve o Riaden\u00ed portf\u00f3lia a Komision\u00e1rskej zmluve n\u00e1jdete v osobitnej \u010dasti ni\u017e\u0161ie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vzh\u013eadom na doteraj\u0161ie v\u00fdsledky m\u00e1me v pl\u00e1ne tento pomer a rozlo\u017eenie aj na\u010falej ponecha\u0165.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa v roku 2024 dialo na finan\u010dn\u00fdch trhoch a ak\u00e9 boli na\u0161e v\u00fdsledky?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na trhoch aj na\u010falej prevl\u00e1dal rastov\u00fd, tzv. b\u00fd\u010d\u00ed sentiment a hlavn\u00e9 akciov\u00e9 indexy indikovali nadmern\u00e9 hodnoty. U\u017e dlh\u0161ie obdobie sa tie\u017e diskutuje o tom, \u010di trh nie je na pr\u00edli\u0161 vysok\u00fdch hodnot\u00e1ch.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ako sa v\u00e1s to t\u00fdka:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ke\u010f sa pozrieme, kde sa trh nach\u00e1dzal v roku 2000\/2001 a 2008 v \u010dasoch Dot-com bubliny a hypotek\u00e1rnej kr\u00edzy, uvid\u00edme, \u017ee trh je zdrav\u0161\u00ed a nie nato\u013eko nadhodnoten\u00fd, ako v dan\u00fdch \u010dasoch. D\u00e1 sa teda predpoklada\u0165, \u017ee s\u00fa\u010dasn\u00e1 situ\u00e1cia nepredznamen\u00e1va podobn\u00fd scen\u00e1r, ako pri dan\u00fdch dvoch obdobiach. <br>Neznamen\u00e1 to v\u0161ak, \u017ee nie je na mieste udr\u017eiava\u0165 zdrav\u00fa opatrnos\u0165 a dba\u0165 na potrebn\u00fa diverzifik\u00e1ciu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aktu\u00e1lne obdobie tie\u017e praje spolo\u010dnostiam, ktor\u00e9 klientom poskytuj\u00fa akt\u00edvnej\u0161iu spr\u00e1vu a proakt\u00edvnej\u0161\u00ed pr\u00edstup k rozlo\u017eeniu a z\u00e1sahom do alok\u00e1ci\u00ed investi\u010dn\u00e9ho portf\u00f3lia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ako nepochybne viete, vo Wealth Effect Management ver\u00edme v tento pr\u00edstup a budeme ho aj na\u010falej obozretne aplikova\u0165. S t\u00fdm s\u00favis\u00ed aj na\u0161e zameranie na vytv\u00e1ranie nov\u00fdch relevantn\u00fdch rie\u0161en\u00ed a slu\u017eieb.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co sa dialo s rozvojom WEM-u v roku 2024 a ak\u00e9 boli najv\u00e4\u010d\u0161ie m\u00ed\u013eniky?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O z\u00e1sadn\u00e9 udalosti v roku 2024 nebola n\u00fadza.<br>Najd\u00f4le\u017eitej\u0161\u00ed z nich s\u00favisel s v\u00fdznamn\u00fdm rozvojom na\u0161ich IT syst\u00e9mov. Ten sa prakticky prejavil v spusten\u00ed mobilnej aplik\u00e1cie WEM pre u\u017e\u00edvate\u013eov Apple aj Android zariaden\u00ed a predov\u0161etk\u00fdm vo vytvoren\u00ed na\u0161ej B2B platformy Flip. Flip je komplexn\u00e1 all-in-one platforma, ktor\u00e1 finan\u010dn\u00fdm profesion\u00e1lom umo\u017e\u0148uje nakupovanie cenn\u00fdch papierov a spr\u00e1vu klientov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podarilo sa n\u00e1m tie\u017e spusti\u0165 inovat\u00edvny zamestnaneck\u00fd program WEM Employee Motivation, ktor\u00fd z\u00e1rove\u0148 zhodnocuje majetok zamestnancov aj firiem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V r\u00e1mci alternat\u00edvnych mo\u017enost\u00ed investovania sme k existuj\u00facemu SICAV fondu WEM Private Fund pridali aj mo\u017enos\u0165 investova\u0165 v oblasti private debt prostredn\u00edctvom WEM Private Credit. Investi\u010dn\u00e9 pr\u00edle\u017eitosti tu pon\u00fakaj\u00fa fixn\u00fd v\u00fdnos zabezpe\u010den\u00fd nehnute\u013enos\u0165ou.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zahrani\u010dn\u00e1 expanzia tie\u017e postupuje \u2014 na bulharskom trhu sme po 10 rokoch p\u00f4sobenia a rastu otvorili v\u00e4\u010d\u0161iu kancel\u00e1riu pre viac ako 12 aktu\u00e1lnych zamestnancov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pra\u017esk\u00e1 pobo\u010dka si rovnako zasluhuje zmienku. V s\u00fa\u010dasnosti je jej prim\u00e1rnym fokusom zria\u010fovanie potrebn\u00fdch Family Office \u0161trukt\u00far, do bud\u00facna v\u0161ak s Prahou po\u010d\u00edtame ako s \u010fal\u0161\u00edm z\u00e1zem\u00edm pre na\u0161e slu\u017eby a obchodn\u00e9 aktivity.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Ve\u013ek\u00e1 ot\u00e1zka na z\u00e1ver \u2014 \u010do z toho m\u00e1te vy?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e1\u0161 pr\u00eds\u013eub, \u017ee budeme na\u010falej, de\u0148 za d\u0148om, pracova\u0165 na tom, aby sme si st\u00e1le zasluhovali va\u0161u d\u00f4veru.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Napokon, je m\u00e1lo v\u00e1\u017enej\u0161\u00edch a hmatate\u013enej\u0161\u00edch d\u00f4kazov d\u00f4very, ne\u017e vlo\u017ei\u0165 niekomu do starostlivosti svoj majetok.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Na\u0161e vyhliadky na rok 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Zamera\u0165 sa jednoducho na to, v \u010dom sme najlep\u0161\u00ed. <br>Z\u00e1rove\u0148 vylep\u0161ova\u0165 to, kde m\u00e1me nedostatky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rok 2025 preto pre n\u00e1s nebude rokom rozbiehania mnoh\u00fdch nov\u00fdch aktiv\u00edt na mnoho r\u00f4znych smerov.<br>Bude to rok fokusu na 4 k\u013e\u00fa\u010dov\u00e9 oblasti:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>IT syst\u00e9my<\/strong> a s nimi \u010fal\u0161ie zvy\u0161ovanie kvality, komfortu a hodnoty na\u0161ich slu\u017eieb<\/li>\n\n\n\n<li><strong>Klientsky servis<\/strong> zodpovedaj\u00faci na\u0161ej v\u00edzii a amb\u00edcii<\/li>\n\n\n\n<li><strong>B2B rozvoj<\/strong> prostredn\u00edctvom platformy Flip a s\u00favisiacich aktiv\u00edt<\/li>\n\n\n\n<li><strong>Zamestnaneck\u00fd program WEM Employee Motivation<\/strong>, ktor\u00fd umo\u017e\u0148uje zhodnocova\u0165 majetok zamestnancov aj firiem<\/li>\n<\/ol>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u00daprimne \u010fakujem za va\u0161u d\u00f4veru.<br>Budeme robi\u0165 v\u0161etko pre to, aby ste na \u0148u mali st\u00e1le viac d\u00f4vodov.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u010eakujeme.<\/p>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Peter \u0160tadler<\/strong><br><em>CEO a predseda predstavenstva,<br>Wealth Effect Management o.c.p., a.s.<\/em><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdro\u010dn\u00fa spr\u00e1vu 2024 si m\u00f4\u017eete pre\u010d\u00edta\u0165 tu: <a href=\"http:\/\/wem.sk\/wp-content\/uploads\/2025\/04\/WEM-Vyrocna-sprava-2024.pdf\">http:\/\/wem.sk\/wp-content\/uploads\/2025\/04\/WEM-Vyrocna-sprava-2024.pdf<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u010co sa vlastne deje, ako sa v\u00e1s to t\u00fdka \u2014 a \u010do z toho m\u00e1te&nbsp;vy V\u00e1\u017een\u00ed klienti, investori a partneri,nielen vo finan\u010dnom svete s\u00fa d\u00f4le\u017eit\u00e9 dve k\u013e\u00fa\u010dov\u00e9 ot\u00e1zky: 1. \u010co sa vlastne deje2. Ako sa v\u00e1s to t\u00fdka Akoko\u013evek sa na to pozrieme \u2014 vn\u00edma\u0165 veci, okolnosti a situ\u00e1cie jasne (\u201e\u010do sa vlastne deje\u201c) a &hellip; <a href=\"https:\/\/wem.sk\/sk\/insights\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\/\">Continued<\/a><\/p>\n","protected":false},"author":5,"featured_media":1940,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[22,184],"insight_author":[169],"class_list":["post-1429","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-management","category-wem-vyrocna-sprava"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>V\u00fdro\u010dn\u00e1 spr\u00e1va 2024 \u2014 Pr\u00edhovor predsedu predstavenstva - 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\/sk\/insights\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u00fdro\u010dn\u00e1 spr\u00e1va 2024 \u2014 Pr\u00edhovor predsedu predstavenstva - Wealth Effect Management\" \/>\n<meta property=\"og:description\" content=\"\u010co sa vlastne deje, ako sa v\u00e1s to t\u00fdka \u2014 a \u010do z toho m\u00e1te&nbsp;vy V\u00e1\u017een\u00ed klienti, investori a partneri,nielen vo finan\u010dnom svete s\u00fa d\u00f4le\u017eit\u00e9 dve k\u013e\u00fa\u010dov\u00e9 ot\u00e1zky: 1. \u010co sa vlastne deje2. Ako sa v\u00e1s to t\u00fdka Akoko\u013evek sa na to pozrieme \u2014 vn\u00edma\u0165 veci, okolnosti a situ\u00e1cie jasne (\u201e\u010do sa vlastne deje\u201c) a &hellip; Continued\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wem.sk\/sk\/insights\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\/\" \/>\n<meta property=\"og:site_name\" content=\"Wealth Effect Management\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-31T13:05:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-09T14:41:43+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/wem.sk\/wp-content\/uploads\/2025\/03\/Foto-small-30.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"1667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marek Hlavenka\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marek Hlavenka\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\\\/\"},\"author\":{\"name\":\"Marek Hlavenka\",\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/#\\\/schema\\\/person\\\/1b4122ceef2fc26f4e49491a11fcbfec\"},\"headline\":\"V\u00fdro\u010dn\u00e1 spr\u00e1va 2024 \u2014 Pr\u00edhovor predsedu predstavenstva\",\"datePublished\":\"2025-03-31T13:05:16+00:00\",\"dateModified\":\"2026-06-09T14:41:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\\\/\"},\"wordCount\":2528,\"image\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wem.sk\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/Foto-small-30.jpg\",\"articleSection\":[\"Wealth Management\",\"WEM V\u00fdro\u010dn\u00e1 spr\u00e1va\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\\\/\",\"url\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/vyrocna-sprava-2024-prihovor-predsedu-predstavenstva\\\/\",\"name\":\"V\u00fdro\u010dn\u00e1 spr\u00e1va 2024 \u2014 Pr\u00edhovor predsedu predstavenstva - 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