{"id":995,"date":"2022-03-31T13:26:46","date_gmt":"2022-03-31T13:26:46","guid":{"rendered":"http:\/\/wem.sk\/?p=995"},"modified":"2026-06-10T14:49:03","modified_gmt":"2026-06-10T14:49:03","slug":"o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot","status":"publish","type":"post","link":"https:\/\/wem.sk\/sk\/insights\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\/","title":{"rendered":"O prostriedkoch, cie\u013eoch a o tom, \u010do vlastne znamen\u00e1 \u201cpo cel\u00fd \u017eivot\u201d"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">V\u0161etk\u00fdm klientom, partnerom a spolupracovn\u00edkom Wealth Effect Management o.c.p., a.s.:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ke\u010f sa pozer\u00e1m na to v\u0161etko, \u010do rob\u00edme, \u010d\u00edm sme si pre\u0161li a kam e\u0161te len smerujeme, m\u00e1m st\u00e1le viac pocit, \u017ee jednou z najd\u00f4le\u017eitej\u0161\u00edch vec\u00ed na na\u0161ej pr\u00e1ci je v skuto\u010dnosti:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vedie\u0165, \u010do vlastne naozaj rob\u00edme.<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">A nezamie\u0148a\u0165 si n\u00e1stroje a ciele.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c1no, star\u00e1me sa o bohatstvo na\u0161ich klientov.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hovor\u00edme o \u010d\u00edslach, v\u00fdsledkoch, zhodnocovan\u00ed, mitigovan\u00ed rizika, portf\u00f3li\u00e1ch, percent\u00e1ch a v\u00fdnosoch.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prostriedky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00fa to prostriedky, nie cie\u013e.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cie\u013e \u2014 a je v\u017edy d\u00f4le\u017eit\u00e9 si to znovu pripomen\u00fa\u0165 \u2014 je:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pom\u00e1hame \u013eu\u010fom pre\u017ei\u0165 hodnotn\u00fd a naplnen\u00fd \u017eivot. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peniaze s\u00fa n\u00e1stroj, ktor\u00fd k tomu napom\u00e1ha.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O \u010dom sme v\u0161ak doteraz nehovorili dos\u0165, je perspekt\u00edva, ktor\u00e1 sa st\u00e1va t\u00fdm jasnej\u0161ou, \u010d\u00edm dlh\u0161ie sa star\u00e1me o majetok na\u0161ich klientov:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u017de to, \u010do rob\u00edme,&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">je v skuto\u010dnosti na cel\u00fd \u017eivot.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1ve preto sa to \u201cpo cel\u00fd \u017eivot\u201d teraz objavuje sa vo v\u0161etkom, \u010do rob\u00edme. Preto\u017ee je to tak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Preto\u017ee \u013eud\u00ed sprev\u00e1dzame celou tou ve\u013ekou, pestrou a bohatou \u0161k\u00e1lou toho, \u010do peniaze, majetok a bohatstvo v \u017eivote \u010dloveka znamen\u00e1:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Od polo\u017eenia z\u00e1kladov bud\u00faceho bohatstva cez jeho priebe\u017en\u00e9 zve\u013ea\u010fovanie a ochranu a\u017e po jeho z\u00e1vere\u010dn\u00e9 odovzdanie, aby mohlo sl\u00fa\u017ei\u0165 a pokra\u010dova\u0165 \u010falej.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010co je jeden z mnoh\u00fdch d\u00f4vodov, pre\u010do v\u00e1m chceme po\u010fakova\u0165 aj v\u00e1m \u2014 za v\u0161etku va\u0161u d\u00f4veru a doteraj\u0161\u00ed vz\u0165ah. Nesmierne si to v\u00e1\u017eime a berieme to ako n\u00e1\u0161 ve\u013ek\u00fd z\u00e1v\u00e4zok a zodpovednos\u0165 pokra\u010dova\u0165, neprest\u00e1va\u0165 a pos\u00fava\u0165 sa st\u00e1le \u010falej tak, aby ten vz\u0165ah na cel\u00fd \u017eivot pre v\u0161etk\u00fdch st\u00e1le d\u00e1val zmysel.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ke\u010f sa toti\u017e k nie\u010domu zavia\u017eete na cel\u00fd \u017eivot, stane sa zauj\u00edmav\u00e1 vec: veci sa preskupia do novej mrie\u017eky vz\u0165ahov a prior\u00edt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e1 n\u00e1ro\u010dn\u00e1 \u010das\u0165 je potom prich\u00e1dza\u0165 na to, \u010do v\u0161etko to \u201cpo cel\u00fd \u017eivot\u201d vlastne znamen\u00e1, \u010do z toho vypl\u00fdva a \u010do je n\u00e1sledkom toho potrebn\u00e9 za\u010da\u0165 a presta\u0165 robi\u0165 \u2014 a potom to udr\u017eiava\u0165, rozv\u00edja\u0165 a postupne za\u010dle\u0148ova\u0165 do \u00faplne v\u0161etk\u00e9ho.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ni\u017e\u0161ie je teda p\u00e1r k\u013e\u00fa\u010dov\u00fdch bodov toho, \u010do t\u00e1 celo\u017eivotn\u00e1 perspekt\u00edva znamen\u00e1 pre n\u00e1s \u2014 smerom dovn\u00fatra aj navonok; ako zhodnotenie uplynul\u00e9ho roka aj n\u00e1\u0161 poh\u013ead do bud\u00facnosti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010co znamen\u00e1 \u201cPo cel\u00fd \u017eivot\u201d:<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">Za\u010da\u0165 v\u010das<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ve\u013ea n\u00e1\u0161ho \u00fasilia preto smeruje k tomu, aby \u010doraz viac \u013eud\u00ed za\u010dalo spori\u0165 a budova\u0165 svoje bohatstvo u\u017e v mladosti. Ide tu teda nie len o to, aby sme t\u00fa celo\u017eivotn\u00fa perspekt\u00edvu udr\u017eiavali my interne \u2014 ale tie\u017e aby ju st\u00e1le viac \u013eud\u00ed za\u010dalo vn\u00edma\u0165 ako potrebn\u00fa a u\u017eito\u010dn\u00fa pre ich vlastn\u00fd \u017eivot.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dlhodobos\u0165<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u013dudsk\u00fd \u017eivot predstavuje dlh\u00fd \u010das a pr\u00e1ve t\u00e1 dlhodob\u00e1, celo\u017eivotn\u00e1 perspekt\u00edva je k\u013e\u00fa\u010dov\u00e1, aby bolo mo\u017en\u00e9 robi\u0165 finan\u010dn\u00e9 rozhodnutia spr\u00e1vne. V\u00e4\u010d\u0161ina investorov na Slovensku e\u0161te st\u00e1le rozm\u00fd\u0161\u013ea a n\u00e1sledne kon\u00e1 viac kr\u00e1tkodobo, so v\u0161etk\u00fdmi n\u00e1sledkami tohto pr\u00edstupu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Preto na\u0161ich klientov (rovnako ako na\u0161ich \u013eud\u00ed vo WEM-e) st\u00e1le u\u010d\u00edme: myslite dlhodobo.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tomu zodpoved\u00e1 aj to, ako m\u00e1me nastaven\u00fa preva\u017en\u00fa v\u00e4\u010d\u0161inu na\u0161ich portf\u00f3li\u00ed a poz\u00edci\u00ed: na dlhodob\u00fa, tzv. \u201clong\u201d poz\u00edciu. Inak povedan\u00e9: \u201cbuy and hold\u201d.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1ve s t\u00fdmto nastaven\u00edm a s jemu zodpovedaj\u00facou investi\u010dnou strat\u00e9giou je toti\u017e mo\u017en\u00e9 dobre zvl\u00e1da\u0165 aj tie turbulentn\u00e9 \u010dasy a v\u00fdkyvy, ktor\u00e9 so sebou finan\u010dn\u00e9 trhy prin\u00e1\u0161aj\u00fa. Kr\u00e1tkodob\u00e1 perspekt\u00edva panik\u00e1ri a rob\u00ed chybn\u00e9 kroky. Dlhodob\u00e1 perspekt\u00edva pom\u00e1ha vy\u0165a\u017ei\u0165 aj z n\u00e1ro\u010dn\u00fdch situ\u00e1ci\u00ed maximum.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Robi\u0165 d\u00f4le\u017eit\u00e9 rozhodnutia<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rok 2022 so sebou priniesol mno\u017estvo komplexn\u00fdch a n\u00e1ro\u010dn\u00fdch situ\u00e1ci\u00ed, na ktor\u00e9 bolo treba reagova\u0165: najv\u00e4\u010d\u0161\u00ed pokles akciov\u00fdch aj dlhopisov\u00fdch trhov od \u010dias ve\u013ekej finan\u010dnej kr\u00edzy v roku 2008, post-Covidov\u00e9 obdobie so zvy\u0161uj\u00facou sa infl\u00e1ciou, vojna na Ukrajine, recesia postupne sa vn\u00e1raj\u00faca do v\u0161etk\u00fdch segmentov ekonomiky.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na to v\u0161etko bolo treba adekv\u00e1tne reagova\u0165 tak, aby sme majetok na\u0161ich klientov ochr\u00e1nili a dokonca zhodnotili, \u010do vy\u00fastilo do r\u00f4znych zmien v na\u0161ich portf\u00f3li\u00e1ch a poz\u00edciach, ktor\u00e9 sme v nich dr\u017eali.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vyhodnocova\u0165 a pl\u00e1nova\u0165&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O\u010dak\u00e1vame, \u017ee rok 2023 prinesie mnoho zauj\u00edmav\u00fdch pr\u00edle\u017eitost\u00ed. Pr\u00e1ve pri na\u0161ich dlhodob\u00fdch poz\u00edci\u00e1ch sa namiesto klasick\u00e9ho \u201cstock pickingu\u201d sna\u017e\u00edme vyu\u017e\u00edva\u0165 sk\u00f4r tzv. \u201cbusiness picking\u201d.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Znamen\u00e1 to pre n\u00e1s pozera\u0165 sa na spolo\u010dnosti vyberan\u00e9 do na\u0161ich portf\u00f3li\u00ed nielen z poh\u013eadu obchodn\u00edkov, ale sk\u00f4r businessmanov. To je d\u00f4le\u017eit\u00e1 zmena optiky, ktor\u00fa so sebou prin\u00e1\u0161a na\u0161a celo\u017eivotn\u00e1 perspekt\u00edva:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spolo\u010dnosti chceme vlastni\u0165 nielen s vidinou r\u00fdchleho zisku (a teda kr\u00e1tkodobo), ale predov\u0161etk\u00fdm preto, \u017ee im ver\u00edme dlhodobo.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u010c\u00edsla a v\u00fdsledky neklam\u00fa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pri budovan\u00ed bohatstva m\u00e1me v\u017edy po ruke to ne\u00faprosn\u00e9 meradlo: \u201cUk\u00e1\u017ete mi \u010d\u00edsla.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S pokorou a hrdos\u0165ou z\u00e1rove\u0148 si za na\u0161imi \u010d\u00edslami stoj\u00edme a st\u00e1le ver\u00edme, \u017ee akt\u00edvna spr\u00e1va dok\u00e1\u017ee prin\u00e1\u0161a\u0165 lep\u0161ie v\u00fdsledky ako pas\u00edvna. \u00c1no, je to nepomerne n\u00e1ro\u010dnej\u0161ie cesta. Ke\u010f sa v\u0161ak pozer\u00e1me na na\u0161e v\u00fdsledky a kumulat\u00edvne v\u00fdnosy pre na\u0161ich klientov, m\u00f4\u017eeme si poveda\u0165:&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010c\u00edsla v kone\u010dnom d\u00f4sledku hovoria za v\u0161etko.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fdvoj na\u0161ich hlavn\u00fdch portf\u00f3li\u00ed:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2.png\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1024x604.png\" alt=\"\" class=\"wp-image-1494\" srcset=\"https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1024x604.png 1024w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-300x177.png 300w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-768x453.png 768w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1536x907.png 1536w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2.png 1550w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1.png\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1-1024x604.png\" alt=\"\" class=\"wp-image-1493\" srcset=\"https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1-1024x604.png 1024w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1-300x177.png 300w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1-768x453.png 768w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1-1536x907.png 1536w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-1-1.png 1550w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1.png\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1-1024x604.png\" alt=\"\" class=\"wp-image-1495\" srcset=\"https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1-1024x604.png 1024w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1-300x177.png 300w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1-768x453.png 768w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1-1536x907.png 1536w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Rectangle-316-2-1.png 1550w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1.png\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1-1024x604.png\" alt=\"\" class=\"wp-image-1481\" srcset=\"https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1-1024x604.png 1024w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1-300x177.png 300w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1-768x453.png 768w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1-1536x907.png 1536w, https:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/23-0214_Graf_Portfolio_summary-1-1.png 1550w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Odbornos\u0165<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">K\u013e\u00fa\u010dom k v\u00fdsledkom v\u0161ak nie je len dlhodobos\u0165. Nevyhnutnou zlo\u017ekou je aj odbornos\u0165. T\u00e1 mus\u00ed by\u0165 neust\u00e1le podrobovan\u00e1 sk\u00famaniu a zlep\u0161ovaniu \u2014 potom m\u00f4\u017ee tvori\u0165 z\u00e1klad pre v\u00fdber t\u00fdch spr\u00e1vnych cenn\u00fdch papierov do na\u0161ich portf\u00f3li\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pri na\u0161ich hlavn\u00fdch portf\u00f3li\u00e1ch sme spolu zainvestovan\u00ed v 148 poz\u00edci\u00e1ch. Ka\u017ed\u00e1 z t\u00fdchto poz\u00edci\u00ed pritom prech\u00e1dza ve\u013emi d\u00f4kladn\u00fdm v\u00fdberom, ktor\u00fd n\u00e1sledne schva\u013euje n\u00e1\u0161 investi\u010dn\u00fd v\u00fdbor.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ten aktu\u00e1lne zasad\u00e1 na mesa\u010dnej b\u00e1ze a tvor\u00ed ho sedem \u013eud\u00ed; av\u0161ak podklady pre rozhodnutia investi\u010dn\u00e9ho v\u00fdboru prich\u00e1dzaj\u00fa od n\u00e1\u0161ho teamu protfolio managerov, ktor\u00fd sleduje a analyzuje trhy na dennej b\u00e1ze.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pri samotnej tvorbe, vyhodnocovan\u00ed a pr\u00edpadnej \u00faprave na\u0161ich portf\u00f3li\u00ed je pritom z\u00e1sadn\u00e1 e\u0161te jedna zlo\u017eka, o ktorej sa tak ve\u013ea nehovor\u00ed: sebareflexia.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V praxi to u n\u00e1s znamen\u00e1, \u017ee aj pri hlasovan\u00ed za n\u00e1vrhy zo strany portfolio managementu prihliadame na v\u00e1hu hlasov jednotliv\u00fdch \u010dlenov investi\u010dn\u00e9ho v\u00fdboru. Po hlasovan\u00ed sa n\u00e1sledne pozer\u00e1me a vyhodnocujeme v\u0161etky rozhodnutia \u2014 tie, ktor\u00e9 sme prijali, ale tie\u017e tie, ktor\u00e9 sme neprijali.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1ve t\u00e1to sebareflaxia, vyhodnocovanie a vyvodenie z\u00e1verov je napokon jedna z najd\u00f4le\u017eitej\u0161\u00edch (a najn\u00e1ro\u010dnej\u0161\u00edch) \u010dinnost\u00ed, ktor\u00e1 n\u00e1m pom\u00e1ha zlep\u0161ova\u0165 sa a r\u00e1s\u0165 \u2014 a teda sa priamo odr\u00e1\u017ea aj na v\u00fdsledkoch pre na\u0161ich klientov.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Myslie\u0165 (\u010faleko) dopredu<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jedn\u00fdm z prelomov\u00fdch m\u00ed\u013enikov v roku 2022 bola pr\u00edprava na osamostatnenie sa v r\u00e1mci kompletnej IT infra\u0161trukt\u00fary. V\u00fdsledkom je lep\u0161ia ochrana klientsk\u00fdch d\u00e1t, ale tie\u017e n\u00e1\u0161 intern\u00fd syst\u00e9m WEM Inteligence, ktor\u00fd n\u00e1m d\u00e1va viac flexibility, zlep\u0161uje odovzd\u00e1vanie intern\u00e9ho know-how, poskytuje n\u00e1m \u00fapln\u00fa kontrolu a z\u00e1rove\u0148 otv\u00e1ra dvere k atrakt\u00edvnemu bud\u00facemu \u0161k\u00e1lovaniu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Wealth management nie je iba o investovan\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Napriek tomu, \u017ee sa na Slovensku slu\u017eby wealth managementu v celej jeho komplexite takmer nevyskytovali, vn\u00edmame, ako po nich postupne narast\u00e1 dopyt. To je z n\u00e1\u0161ho poh\u013eadu v\u00fdborn\u00e1 spr\u00e1va, nako\u013eko to pre st\u00e1le v\u00e4\u010d\u0161\u00ed po\u010det \u013eud\u00ed otv\u00e1ra obzory toho, \u010do v\u0161etko vie majetok prinies\u0165 a ako vie obohati\u0165 \u017eivot.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A hoci vo wealth managemente na Slovensku patr\u00edme medzi priekopn\u00edkov, je to pre n\u00e1s iba \u010fal\u0161\u00ed impulz, aby sme tieto slu\u017eby \u010falej roz\u0161irovali, skvalit\u0148ovali a dost\u00e1vali ich medzi na\u0161ich klientov. Okrem komplexn\u00fdch investi\u010dn\u00fdch slu\u017eieb \u010di pr\u00e1vneho a da\u0148ov\u00e9ho poradenstva sa tak objavuj\u00fa st\u00e1le \u010fal\u0161\u00ed klienti, pre ktor\u00fdch zastre\u0161ujeme slu\u017eby family office a pom\u00e1hame im pripravova\u0165 sa na tak\u00fd n\u00e1ro\u010dn\u00fd a fascinuj\u00faci krok, ako je odovzdanie ich vybudovan\u00e9ho bohatstva \u010fal\u0161\u00edm gener\u00e1ci\u00e1m.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Vidie\u0165 veci tak, ako naozaj s\u00fa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Jednou z t\u00fdch n\u00e1ro\u010dn\u00fdch vec\u00ed v \u017eivote a biznise je vidie\u0165 veci jasne. Zvykli sme si u\u017e, \u017ee sa v dne\u0161nej dobe a vo svete soci\u00e1lnych m\u00e9di\u00ed veci ukazuj\u00fa veci alebo iba ako dobr\u00e9 a zakr\u00fdvaj\u00fa sa nedostatky \u2014 alebo sa naopak v\u0161etky vykres\u013euje v opa\u010dnom extr\u00e9me a negat\u00edvnom svetle, aby boli neust\u00e1le burcovan\u00e9 prehnan\u00e9 reakcie publika a s n\u00edm aj vyhroten\u00e1 pozornos\u0165.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Akosi sa n\u00e1m tu vytratil ten zlat\u00fd stred; to priame a realistick\u00e9 vn\u00edmanie toho, \u010do sa skuto\u010dne deje a ako sa veci maj\u00fa. Tento pr\u00edstup je v\u0161ak rovnako d\u00f4le\u017eit\u00fd, ako je n\u00e1ro\u010dn\u00fd \u2014 pr\u00e1ve v\u010faka nemu je mo\u017en\u00e9 vy\u0165a\u017ei\u0165 zo v\u0161etk\u00e9ho maximum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010ci u\u017e ide o \u0165a\u017ek\u00e9 \u010dasy na finan\u010dn\u00fdch trhoch alebo v spolo\u010dnosti ako takej alebo ide o vn\u00edmanie vlastn\u00fdch nedostatkov, vn\u00edma\u0165 veci realisticky d\u00e1va jednu z najlep\u0161\u00edch pr\u00edle\u017eitost\u00ed posun\u00fa\u0165 sa a nau\u010di\u0165 sa k\u013e\u00fa\u010dov\u00e9 lekcie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jedna z aplik\u00e1ci\u00ed tohto princ\u00edpu pre n\u00e1s interne znamen\u00e1, \u017ee aj napriek n\u00e1\u0161mu neust\u00e1lemu rastu a zlep\u0161ovaniu na\u0161ich hospod\u00e1rskych v\u00fdsledkov z\u00e1rove\u0148 neust\u00e1le prehodnocujeme, ako spr\u00e1vne hospod\u00e1ri\u0165 a ako pl\u00e1nova\u0165 n\u00e1\u0161 rast, aby sme pre na\u0161ich klientov a partnerov z\u00e1rove\u0148 zabezpe\u010dili stabiln\u00e9 z\u00e1zemie.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pozera\u0165 sa, kam sa uber\u00e1 slovensk\u00fd trh a kam sa uber\u00e1 WEM<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nestaviame sa nevyhnutne do poz\u00edcie niekoho, kto by si n\u00e1rokoval hodnoti\u0165 smerovanie cel\u00e9ho slovensk\u00e9ho trhu ako tak\u00e9ho \u2014 vych\u00e1dzame iba z na\u0161ich doteraj\u0161\u00edch sk\u00fasenost\u00ed a n\u00e1\u0161ho poh\u013eadu na to, kde v r\u00e1mci slovensk\u00e9ho trhu vid\u00edme miesto pre WEM.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stru\u010dne povedan\u00e9: slovensk\u00fd trh je zatia\u013e st\u00e1le vo f\u00e1ze rozvoja a je na \u0148om e\u0161te ve\u013ea \u010do zlep\u0161ova\u0165.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V rozvinutej\u0161ej forme je potrebn\u00e9 pomenova\u0165 hne\u010f nieko\u013eko kritick\u00fdch bodov, ktor\u00e9 sa t\u00fdkaj\u00fa oblasti finan\u010dn\u00e9ho sprostredkovania:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Finan\u010dno-sprostredkovate\u013esk\u00e9 spolo\u010dnosti nepodnecuje k rozvoju snaha o skvalit\u0148ovanie svojich slu\u017eieb a lep\u0161\u00ed servis a v\u00fdsledky pre ich klientov \u2014 \u017eenie ich potreba u\u017eivi\u0165 svoje ve\u013ek\u00e9 distribu\u010dn\u00e9 siete a vy\u0165a\u017ei\u0165 maximum z predaja produktov a v\u00fd\u0161ky prov\u00edzi\u00ed.<\/li>\n\n\n\n<li>N\u00e1sledkom toho sa niektor\u00e9 subjekty na trhu rozhodli finan\u010dn\u00e9 produkty nielen sprostredkov\u00e1va\u0165, ale tie\u017e vytv\u00e1ra\u0165. Vzh\u013eadom na ich vy\u0161\u0161ie uveden\u00fa motiv\u00e1ciu to v\u0161ak v kone\u010dnom d\u00f4sledku pre ich klientov nie je z\u010faleka to najlep\u0161ie rie\u0161enie.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Konkr\u00e9tny pr\u00edklad: Ke\u010f sa pred 15-timi rokmi na Slovensku \u0161tiepili finan\u010dno-sprostredkovate\u013esk\u00e9 spolo\u010dnosti a vznikalo mno\u017estvo nov\u00fdch, pre koncov\u00fdch klientov to malo ve\u013emi konkr\u00e9tny n\u00e1sledok: boli prepois\u0165ovan\u00ed a dostali produkty, za ktor\u00e9 duplicitne zaplatili prov\u00edzie svojim nov\u00fdm sprostredkovate\u013eom. Skvel\u00e9 na opakovan\u00fd z\u00e1robok pre nef\u00e9r sprostredkovate\u013eov, av\u0161ak cel\u00e9 roky straten\u00e9ho sporenia pre klientov.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inak tomu nie je ani pri investovan\u00ed a vznik nieko\u013ek\u00fdch obchodn\u00edkoch s cenn\u00fdmi papiermi \u017eia\u013e indikuje podobn\u00fd scen\u00e1r aj v s\u00fa\u010dasnosti \u2014 umo\u017e\u0148uje prezmluvni\u0165 mno\u017estvo klientov a zinkasova\u0165 tak duplicitne prov\u00edzie za poplatky, ktor\u00e9 si pri produktoch vytvorili \u2014 alebo si dokonca \u00fa\u010dtova\u0165 nezmyseln\u00e9 poplatky za v\u00fdkonnos\u0165 pre pas\u00edvnej spr\u00e1ve invest\u00edci\u00ed.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Obchodn\u00edk s cenn\u00fdmi papiermi by v\u0161ak mal sl\u00fa\u017ei\u0165 svojej podstate \u2014 a nesl\u00fa\u017ei\u0165 iba ako n\u00e1stroj na vyberanie poplatkov od klienta.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To je to, kde v tom celom vid\u00edme miesto pre n\u00e1s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vyjadren\u00e9 konkr\u00e9tne, na\u0161\u00edm cie\u013eom je:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vyu\u017ei\u0165 na\u0161u licenciu o.c.p. na to, aby sme pon\u00fakli kvalitn\u00e9 podmienky a z\u00e1zemie pre spolupr\u00e1cu s \u010do najv\u00e4\u010d\u0161\u00edm po\u010dtom (kvalitn\u00fdch) finan\u010dno-sprostredkovate\u013esk\u00fdch subjektov na Slovensku. Toto spojenie im m\u00f4\u017ee v kone\u010dnom d\u00f4sledku pom\u00f4c\u0165 u\u0161etri\u0165 nemal\u00e9 prostriedky na samotn\u00e9 zalo\u017eenie a chod o.c.p, ale d\u00e1 im tie\u017e mo\u017enos\u0165 poskytova\u0165 svojim klientom kvalitn\u00e9 a v\u00fdnosn\u00e9 produkty za prijate\u013en\u00e9 poplatky.&nbsp;<\/li>\n\n\n\n<li>Plni\u0165 si na\u0161u rolu obchodn\u00edka s cenn\u00fdmi papiermi a prispieva\u0165 tak ku skvalit\u0148ovaniu finan\u010dn\u00fdch slu\u017eieb na Slovensku.<\/li>\n\n\n\n<li>Neust\u00e1le edukova\u0165 nielen na\u0161ich klientov, ale aj celkovo \u013eud\u00ed na Slovensku.&nbsp;<\/li>\n\n\n\n<li>Objekt\u00edvne a f\u00e9rovo nastavova\u0165 na\u0161e poplatky s prihliadnut\u00edm na kvalitu slu\u017eieb a v\u00fdsledky. Vych\u00e1dzaj\u00fac z prv\u00fdch krokov, ktor\u00e9 sme v tejto oblasti poskytli, budeme tieto zmeny v priebehu roka 2023 aplikova\u0165 celoplo\u0161ne na v\u0161etk\u00fdch na\u0161ich klientov.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V neposlednom rade je d\u00f4le\u017eitou s\u00fa\u010das\u0165ou n\u00e1\u0161ho smerovania to, \u017ee v\u017edy za\u010d\u00edname od seba.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Preto aj jednou z mojich hlavn\u00fdch \u00faloh v na\u0161ej spolo\u010dnosti je to, aby som v prvom rade apeloval na m\u00f4j vlastn\u00fd vedomostn\u00fd a osobnostn\u00fd rozvoj \u2014 a n\u00e1sledne aj na neust\u00e1ly rozvoj na\u0161ich \u013eud\u00ed.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u013e\u00fa\u010dov\u00fdm aspektom bude preto aj na\u010falej spr\u00e1vny v\u00fdber \u013eud\u00ed do n\u00e1\u0161ho teamu.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Necha\u0165 veciam \u010das<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1me mno\u017estvo \u010fal\u0161\u00edch n\u00e1padov a podnetov pre na\u0161e \u010fal\u0161ie smerovanie a zlep\u0161ovanie. Tu je pre n\u00e1s k\u013e\u00fa\u010dov\u00e9 balansova\u0165 dva protichodn\u00e9 elementy: urgenciu uvies\u0165 ich do praxe \u2014 a pr\u00e1ve t\u00fa dlhodob\u00fa, celo\u017eivotn\u00fa perspekt\u00edvu, aby sa veci mohli vyv\u00edja\u0165 a dozrie\u0165.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Napokon \u2014 na\u0161im cie\u013eom je stara\u0165 sa o majetok na\u0161ich klientov po cel\u00fd \u017eivot a ver\u00edme (a vid\u00edme), \u017ee so spokojn\u00fdmi klientmi pr\u00eddu aj \u017eiad\u00face hospod\u00e1rske v\u00fdsledky.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fdm najd\u00f4le\u017eitej\u0161\u00edm tu je:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1me \u010das.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u010cas na to, aby sme veci robili poriadne a aby sme aj na\u0161u firmu budovali na cel\u00fd \u017eivot.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na\u0161ou z\u00e1sadnou dev\u00edzou tu je, \u017ee WEM je v na\u0161ich ruk\u00e1ch.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nie sme pod tlakom tich\u00fdch spolo\u010dn\u00edkov \u010di tret\u00edch str\u00e1n, ktor\u00e9 by od n\u00e1s mohli vy\u017eadova\u0165 nie\u010do, \u010do by i\u0161lo proti na\u0161im klientom a partnerom a proti na\u0161ej DNA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sme to iba my \u2014 a vy.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na\u0161i klienti a partneri, ktor\u00ed n\u00e1s tak prirodzene in\u0161pirujete a tla\u010d\u00edte n\u00e1s dopredu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby sme sa zlep\u0161ovali a aby sme si udr\u017eali va\u0161u d\u00f4veru.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Po cel\u00fd \u017eivot.&nbsp;<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u010eakujeme v\u00e1m.<\/p>\n\n\n\n<div style=\"height:52px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Peter \u0160tadler, CEO a predseda predstavenstva<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wealth Effect Management<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u0161etk\u00fdm klientom, partnerom a spolupracovn\u00edkom Wealth Effect Management o.c.p., a.s.: Ke\u010f sa pozer\u00e1m na to v\u0161etko, \u010do rob\u00edme, \u010d\u00edm sme si pre\u0161li a kam e\u0161te len smerujeme, m\u00e1m st\u00e1le viac pocit, \u017ee jednou z najd\u00f4le\u017eitej\u0161\u00edch vec\u00ed na na\u0161ej pr\u00e1ci je v skuto\u010dnosti: Vedie\u0165, \u010do vlastne naozaj rob\u00edme. A nezamie\u0148a\u0165 si n\u00e1stroje a ciele. \u00c1no, star\u00e1me &hellip; <a href=\"https:\/\/wem.sk\/sk\/insights\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\/\">Continued<\/a><\/p>\n","protected":false},"author":5,"featured_media":1482,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[184],"insight_author":[169],"class_list":["post-995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wem-vyrocna-sprava"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O prostriedkoch, cie\u013eoch a o tom, \u010do vlastne znamen\u00e1 \u201cpo cel\u00fd \u017eivot\u201d - 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\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O prostriedkoch, cie\u013eoch a o tom, \u010do vlastne znamen\u00e1 \u201cpo cel\u00fd \u017eivot\u201d - Wealth Effect Management\" \/>\n<meta property=\"og:description\" content=\"V\u0161etk\u00fdm klientom, partnerom a spolupracovn\u00edkom Wealth Effect Management o.c.p., a.s.: Ke\u010f sa pozer\u00e1m na to v\u0161etko, \u010do rob\u00edme, \u010d\u00edm sme si pre\u0161li a kam e\u0161te len smerujeme, m\u00e1m st\u00e1le viac pocit, \u017ee jednou z najd\u00f4le\u017eitej\u0161\u00edch vec\u00ed na na\u0161ej pr\u00e1ci je v skuto\u010dnosti: Vedie\u0165, \u010do vlastne naozaj rob\u00edme. A nezamie\u0148a\u0165 si n\u00e1stroje a ciele. \u00c1no, star\u00e1me &hellip; Continued\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wem.sk\/sk\/insights\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\/\" \/>\n<meta property=\"og:site_name\" content=\"Wealth Effect Management\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-31T13:26:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-10T14:49:03+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/wem.sk\/wp-content\/uploads\/2023\/04\/Foto-small-31.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\\\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\\\/\"},\"author\":{\"name\":\"Marek Hlavenka\",\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/#\\\/schema\\\/person\\\/1b4122ceef2fc26f4e49491a11fcbfec\"},\"headline\":\"O prostriedkoch, cie\u013eoch a o tom, \u010do vlastne znamen\u00e1 \u201cpo cel\u00fd \u017eivot\u201d\",\"datePublished\":\"2022-03-31T13:26:46+00:00\",\"dateModified\":\"2026-06-10T14:49:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\\\/\"},\"wordCount\":2693,\"image\":{\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wem.sk\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/Foto-small-31.jpg\",\"articleSection\":[\"WEM V\u00fdro\u010dn\u00e1 spr\u00e1va\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\\\/\",\"url\":\"https:\\\/\\\/wem.sk\\\/sk\\\/insights\\\/o-prostriedkoch-cieloch-a-o-tom-co-vlastne-znamena-po-cely-zivot\\\/\",\"name\":\"O prostriedkoch, cie\u013eoch a o tom, \u010do vlastne znamen\u00e1 \u201cpo cel\u00fd \u017eivot\u201d - 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