{"id":1989,"date":"2022-11-04T14:38:03","date_gmt":"2022-11-04T12:38:03","guid":{"rendered":"https:\/\/investitie.md\/?p=1989"},"modified":"2022-11-04T14:38:03","modified_gmt":"2022-11-04T12:38:03","slug":"ce-este-un-fond-de-investi-ii-avantajele-i-riscurile-poten-iale","status":"publish","type":"post","link":"https:\/\/investitie.md\/ro\/ce-este-un-fond-de-investi-ii-avantajele-i-riscurile-poten-iale\/","title":{"rendered":"Ce este un fond de investi\u021bii: Avantajele \u0219i riscurile poten\u021biale"},"content":{"rendered":"<p><strong>Ce este un fond de investi\u021bii?<\/strong> Un fond este un portofoliu de instrumente financiare administrat de exper\u0163i, care respect\u0103 cerin\u0163ele legale privind diversificarea riscurilor.<\/p>\n<p>Prin agregarea investi\u0163iilor efectuate de mai mul\u0163i investitori, fondul dispune de suficient capital pentru a putea investi \u00eentr-o varietate de instrumente financiare de pe anumite pie\u0163e. \u00cen cazul \u00een care ar ac\u0163iona individual, investitorii ar \u00eent\u00e2mpina o serie de dificult\u0103\u0163i sau ar avea nevoie de sume de bani considerabile pentru a ob\u0163ine rezultatele oferite de fond, at\u00e2t din punct de vedere al c\u00e2\u015ftigurilor c\u00e2t \u015fi al diversific\u0103rii riscurilor. Investitorii de\u0163in unit\u0103\u0163i de fond, care reprezint\u0103 titluri de participare \u00een activele fondului.<\/p>\n<h2>Avantajele fondurilor de investi\u0163ii<\/h2>\n<p>Flexibilitate: Unit\u0103\u0163ile de fond pot fi v\u00e2ndute \u015fi r\u0103scump\u0103rate \u00een orice moment, f\u0103r\u0103 niciun fel de restric\u0163ie de volum (observa\u0163ie: vezi regulile fondurilor pentru posibile restric\u0163ii la tranzac\u0163ionare)<\/p>\n<ul>\n<li>Posibilitatea investirii unor sume mici<\/li>\n<li>Oricine poate investi; nu exist\u0103 limite privind num\u0103rul de unit\u0103\u0163i de\u0163inute<\/li>\n<li>To\u0163i investitorii sunt trata\u0163i la fel, indiferent de c\u00e2t de mul\u0163i bani au investit<\/li>\n<li>Instrumentele financiare sunt selectate de exper\u0163i, iar portofoliul este monitorizat \u015fi optimizat \u00een permanen\u0163\u0103<\/li>\n<li>Pl\u0103\u0163ile sunt procesate de banca investitorului<\/li>\n<\/ul>\n<p>Nu exist\u0103 conflicte de interese: activitatea de administrare a fondurilor (realizat\u0103 de c\u0103tre societatea de administrare) \u015fi activitatea de custodie a activelor fondurilor (realizat\u0103 de banca depozitar\u0103) sunt complet separate<\/p>\n<ul>\n<li>Activitatea de administrare a fondurilor este strict reglementat\u0103 la nivel intern \u015fi extern<\/li>\n<li>Investitorii beneficiaz\u0103 de informa\u0163ii (de exemplu prin rapoarte anuale, regulile fondului, prospecte, etc.), ceea ce asigur\u0103 un nivel ridicat de transparen\u0163\u0103<\/li>\n<li>Nivel maxim de siguran\u0163\u0103 \u00een cazul falimentului b\u0103ncii investitorului, a b\u0103ncii depozitare sau a societ\u0103\u0163ii de administrare a investi\u0163iilor datorit\u0103 prevederilor legale aplicabile<\/li>\n<\/ul>\n<h2>Riscuri poten\u0163iale ale unui fond de investi\u021bii<\/h2>\n<p>Pre\u0163ul instrumentelor financiare de\u0163inute de fonduri (mai ales \u00een cazul fondurilor de ac\u0163iuni sau investi\u0163iilor \u00een instrumente alternative) poate fluctua semnificativ, ceea ce \u00eenseamn\u0103 c\u0103 este posibil s\u0103 pierde\u0163i bani<\/p>\n<p>\u00cen cazul fondurilor care investesc \u00een instrumente \u00een valut\u0103 exist\u0103 riscul varia\u0163iilor \u00een cursul de schimb<\/p>\n<p>Valoarea dob\u00e2nzilor \u015fi c\u00e2\u015ftigurilor oferite de diferite instrumente financiare depind de rezultatele companiei emitente<\/p>\n<p>Pre\u0163ul instrumentelor financiare poate sc\u0103dea \u00een cazul \u00een care companiile emitente sunt retrogradate<\/p>\n<p>Cre\u015fterea ratei dob\u00e2nzii de referin\u0163\u0103 poate cauza sc\u0103derea pre\u0163urilor<\/p>\n<p>Subscrierea de unit\u0103\u0163i de fond presupune anumite costuri ini\u0163iale (comisioane de subscriere). Valoarea acestora depinde de fondul selectat.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ce este un fond de investi\u021bii? Un fond este un portofoliu de instrumente financiare administrat de exper\u0163i, care respect\u0103 cerin\u0163ele legale privind diversificarea riscurilor. Prin agregarea investi\u0163iilor efectuate de mai mul\u0163i investitori, fondul dispune de suficient capital pentru a putea investi \u00eentr-o varietate de instrumente financiare de pe anumite pie\u0163e. \u00cen cazul \u00een care ar [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1990,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[21],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<meta name=\"description\" content=\"Ce este un fond de investi\u021bii? 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