{"id":4385,"date":"2023-10-09T20:03:39","date_gmt":"2023-10-09T18:03:39","guid":{"rendered":"https:\/\/inwest.lt\/?p=4385"},"modified":"2024-01-22T23:13:01","modified_gmt":"2024-01-22T21:13:01","slug":"lietuvos-imoniu-obligacijos-i-ka-atkreipti-demesi-investuojant","status":"publish","type":"post","link":"https:\/\/inwest.lt\/en\/lietuvos-imoniu-obligacijos-i-ka-atkreipti-demesi-investuojant\/","title":{"rendered":"Lietuvos \u012fmoni\u0173 obligacijos: \u012f k\u0105 atkreipti d\u0117mes\u012f investuojant?"},"content":{"rendered":"
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Pastaruoju metu vie\u0161ojoje erdv\u0117je suaktyv\u0117jo \u017einut\u0117s apie \u012fmoni\u0173 platinamas obligacij\u0173 emisijas: vien per pastaruosius m\u0117nesius obligacijas leido Kreda (pasi\u016blytas 12% bendras metinis pajamingumas), SBA Urban (10,75% metini\u0173 pal\u016bkan\u0173), Civinity (11% metini\u0173) ir kt.
Kadangi si\u016blomos pal\u016bkan\u0173 normos jau vir\u0161ija 10% metini\u0173, ne vienas investuotojas pradeda dom\u0117tis galimybe investuoti \u012f \u0161i\u0105 vertybini\u0173 popieri\u0173 r\u016b\u0161\u012f. Klausim\u0173 apie obligacijas (kokios rizikos, per kur pirkti ir pan.) sulaukiame ir mes, tad nusprend\u0117me pasidalinti \u012f\u017evalgomis apie investavim\u0105 \u012f \u012fmoni\u0173 obligacijos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Pirmiausia, kas yra \u012fmon\u0117s obligacijos?\u00a0<\/strong><\/h5>

\u012emon\u0117s obligacijos – tai skolos vertybiniai popieriai, kuriuos i\u0161leid\u017eia \u012fmon\u0117, ketindama pasiskolinti pinig\u0173 i\u0161 kit\u0173 asmen\u0173. Savo esme obligacijos pana\u0161ios \u012f paprast\u0105 paskol\u0105 \u012fmonei. Tik obligacij\u0173 atveju \u0161i paskola yra i\u0161rei\u0161kiama vertybiniais popieriais, kurias galima listinguoti vertybini\u0173 popieri\u0173 bir\u017eoje, taip suteikiant galimyb\u0119 perleisti vertybinius popierius kitiems asmenims.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Kod\u0117l \u0161iuo metu si\u016blomos tokios didel\u0117s pal\u016bkan\u0173 normos? \u00a0<\/strong><\/h5>

U\u017e obligacijas si\u016bloma pal\u016bkan\u0173 norma tiesiogiai koreliuoja su centrini\u0173 bank\u0173 nustatytomis bazin\u0117mis pal\u016bkan\u0173 normomis – kuo jos didesn\u0117s, tuo brangiau skolinasi \u012fmon\u0117s. Kadangi bazin\u0117 pal\u016bkan\u0173 norma perkop\u0117 4%, \u012fmon\u0117s turi pasi\u016blyti investuotojams patraukli\u0105 kain\u0105 u\u017e rizikingesn\u012f finansin\u012f instrument\u0105.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Kod\u0117l \u012fmon\u0117s skolinasi i\u0161leisdamos obligacijas, o ne tiesiog pasiskolina pinig\u0173 banke?\u00a0 \u00a0<\/strong><\/h5>

D\u0117l \u012fvairi\u0173 prie\u017eas\u010di\u0173, bet da\u017eniausiai \u012fmon\u0117s siekia diversifikuoti skolinimosi \u0161altinius ir neb\u016bti priklausomoms vien nuo bank\u0173 kreditavimo. Da\u017enai \u012fmon\u0117s, i\u0161leid\u017eian\u010dios obligacijas, jau turi paskol\u0173 kredito \u012fstaigose, tad obligacijomis siekia \u201cpraskiesti\u201d finansavimosi \u0161altinius.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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U\u017e koki\u0105 sum\u0105 galima nusipirkti obligacij\u0173?\u00a0 \u00a0\u00a0<\/strong><\/h5>

Tai priklauso nuo to, koki\u0105 minimali\u0105 vienos obligacijos kain\u0105 ir minimal\u0173 pirkimo kiek\u012f nustato \u012fmon\u0117. Pavyzd\u017eiui, vien\u0105 Civinity \u012fmon\u0117s obligacij\u0105 galima buvo nusipirkti u\u017e 1.000 eur\u0173, tuo tarpu SBA Urban platint\u0173 obligacij\u0173 kaina buvo 10.000 eur\u0173 u\u017e vienet\u0105.\u00a0\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Ar saugu investuoti \u012f obligacijas?\u00a0 \u00a0 \u00a0<\/strong><\/h5>

Priklauso nuo tam tikr\u0173 faktori\u0173. \u012emon\u0117s, kuri yra finansi\u0161kai stipri ir turi ger\u0105 \u012fsipareigojim\u0173 kreditoriams vykdymo istorij\u0105, tik\u0117tina, be trikd\u017ei\u0173 gal\u0117s vykdyti pagal obligacij\u0173 s\u0105lygas nustatytus \u012fsipareigojimus – periodi\u0161kai mok\u0117ti pal\u016bkanas ir termino gale i\u0161pirkti obligacijas. Svarbu suvokti, kad investuojant \u012f obligacijas prisiimate \u012fmon\u0117s nemokumo rizik\u0105 – \u012fmonei susid\u016brus su finansiniais sunkumais, blogiausio scenarijaus atveju galite netekti vis\u0173 investuot\u0173 pinig\u0173. \u012emoni\u0173 obligacijoms n\u0117ra taikomos valstyb\u0117s garantijos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u012e k\u0105 atkreipti d\u0117mes\u012f investuojant \u012f obligacijas?\u00a0 \u00a0 \u00a0\u00a0<\/strong><\/h5>

Vie\u0161ai platindamos obligacijas \u012fmon\u0117s privalo parengti informacin\u012f dokument\u0105 ar prospekt\u0105, kuriame turi b\u016bti apra\u0161yta informacija apie obligacij\u0173 platinim\u0105 ir \u012fmon\u0117s finansin\u0117 situacija. Rekomentuotina prie\u0161 investuojant susipa\u017einti su \u0161iuo dokumentu. Faktoriai, \u012f kuriuos patartina atsi\u017evelgti sprend\u017eiant, ar investuoti \u012f obilgacijas (s\u0105ra\u0161as nebaigtinis):<\/p>

  • \u012emon\u0117s veiklos istorija ir reputacija: ar \u012fmon\u0117 seniai veikia rinkoje, ar jos reputacija yra gera, ar ji anks\u010diau netur\u0117jo problem\u0173 vykdant \u012fsipareigojimus kreditoriams;<\/li>
  • \u012emon\u0117s finansin\u0117 situacija: kokie yra \u012fmon\u0117s veiklos rodikliai, koks \u012fmon\u0117s \u012fsiskolinimo lygis, ar \u012fmon\u0117 neveikia sektoriuje, susidurian\u010diame ar galin\u010diame susidurti su sud\u0117tingomis ekonomin\u0117mis s\u0105lygomis ir pan.<\/li>
  • Obligacijos r\u016b\u0161is: ar \u012fmon\u0117s \u012fsipareigojimas pagal obligacijas yra u\u017etikrintas turto \u012fkeitimu ar ka\u017ekokiomis garantijomis (turto \u012fkeitimas ar garantijos nepalankaus scenarijaus atveju gali padidinti tikimyb\u0119 investuotojams susigr\u0105\u017einti investuotus pinigus).<\/li><\/ul>


    Bet kuriuo atveju, prie\u0161 priimant galutin\u012f sprendim\u0105 patartina pasikonsultuoti su investavimo ekspertais.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Kiek kainuoja nusipirkti obligacij\u0173?\u00a0 \u00a0 \u00a0\u00a0<\/strong><\/h5>

    Jei obligacijas perkate pirminio platinimo metu, da\u017enu atveju pati \u012fmon\u0117, kuri platina obligacijas, apmoka platinimo i\u0161laidas tarpininkui, tad tokiu atveju platinimas Jums nieko nekainuot\u0173. U\u017e obligacij\u0173 saugojim\u0105 skirtingi finans\u0173 tarpininkai gali imti saugojimo mokest\u012f.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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    Kur ie\u0161koti informacijos apie \u012fmoni\u0173 obligacij\u0173 platinim\u0105?\u00a0 \u00a0 \u00a0 \u00a0<\/strong><\/h5>

    Deja, bet vienos vietos, kur galima sekti aktuali\u0105 informacij\u0105 apie Lietuvos \u012fmoni\u0173 platinamas obligacijas, n\u0117ra. Mes informacij\u0105 sekame Verslo \u017einiose, prenumeruojame BeMyBond sutelktinio finansavimo platformos ir kit\u0173 tarpinink\u0173 naujienlai\u0161kius. Pagrindiniai tarpininkai, kurie platina \u012fmoni\u0173 obligacijas \u0161iuo metu yra \u0160iauli\u0173 bankas, finans\u0173 makleri\u0173 \u012fmon\u0117s Uniqum Capital, Orion Securities ir Evernord.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

    Pastaruoju metu vie\u0161ojoje erdv\u0117je suaktyv\u0117jo \u017einut\u0117s apie \u012fmoni\u0173 platinamas obligacij\u0173 emisijas: vien per pastaruosius m\u0117nesius obligacijas leido Kreda (pasi\u016blytas 12% bendras metinis pajamingumas), SBA Urban (10,75% metini\u0173 pal\u016bkan\u0173), Civinity (11% […]<\/p>\n","protected":false},"author":1,"featured_media":4391,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"categories":[10],"tags":[],"class_list":["post-4385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-straipsniai"],"yoast_head":"\nLietuvos \u012fmoni\u0173 obligacijos: \u012f k\u0105 atkreipti d\u0117mes\u012f investuojant? - INWEST<\/title>\n<meta name=\"description\" content=\"Pastaruoju metu vie\u0161ojoje erdv\u0117je suaktyv\u0117jo \u017einut\u0117s apie \u012fmoni\u0173 platinamas obligacij\u0173 emisijas: vien per pastaruosius m\u0117nesius obligacijas leido Kreda (pasi\u016blytas 12% bendras metinis pajamingumas), SBA Urban (10,75% metini\u0173 pal\u016bkan\u0173), Civinity (11% metini\u0173) ir kt.Kadangi si\u016blomos pal\u016bkan\u0173 normos jau vir\u0161ija 10% metini\u0173, ne vienas investuotojas pradeda dom\u0117tis galimybe investuoti \u012f \u0161i\u0105 vertybini\u0173 popieri\u0173 r\u016b\u0161\u012f. 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