{"id":9162,"date":"2024-12-03T14:52:06","date_gmt":"2024-12-03T12:52:06","guid":{"rendered":"https:\/\/inwest.lt\/?p=9162"},"modified":"2025-07-28T21:38:13","modified_gmt":"2025-07-28T19:38:13","slug":"finansu-ekspertes-pinigineje-apie-investavimo-patirtis-ir-kuo-svarbus-chanel-rankinukas","status":"publish","type":"post","link":"https:\/\/inwest.lt\/en\/finansu-ekspertes-pinigineje-apie-investavimo-patirtis-ir-kuo-svarbus-chanel-rankinukas\/","title":{"rendered":"Finans\u0173 ekspert\u0117s pinigin\u0117je: apie investavimo patirtis ir kuo svarbus \u201eChanel\u201c rankinukas"},"content":{"rendered":"\t\t
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Finans\u0173 ekspert\u0117 Jekaterina Govina sako, kad pirmieji investavimai ma\u017eomis sumomis padeda mokytis i\u0161 klaid\u0173 ir \u012fsivertinti sau priimtin\u0105 rizik\u0105. Ji pabr\u0117\u017e\u0117, kad nerekomenduoja pinig\u0173 laikyti tik einamojoje banko s\u0105skaitoje \u2013 ir keli\u0173 m\u0117nesi\u0173 ind\u0117lis padeda keisti m\u0105stym\u0105 apie asmeninius finansus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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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\u2013 Kaip nuo ma\u017eum\u0117s elgdavot\u0117s, kai i\u0161 artim\u0173j\u0173 gaudavote ki\u0161enpinigi\u0173, gal atsid\u0117davote ar k\u0105 nors pirkdavote?<\/h5>

\u2013 Vaikyst\u0117je buvau labiau taupuol\u0117 \u2013 neb\u016bdavo, kad gaudavau pinig\u0173 ir i\u0161kart i\u0161leisdavau. Mano vaikyst\u0117s laikais nebuvo galimyb\u0117s tur\u0117ti asmenin\u0119 s\u0105skait\u0105, tai viskas vyko gryn\u0173j\u0173 pavidalu, ki\u0161enpinigius dalino t\u0117vai. Taupiau kiaul\u0117je taupykl\u0117je, bet tai nebuvo tikslinis taupymas ka\u017ekokiems pirkiniams \u2013 labiau d\u0117l noro jausti komfort\u0105, kad jei prireiks, pinig\u0117li\u0173 turiu.<\/p>

Kadangi gyvenome gana apr\u016bpintai, vaikyst\u0117je buvo visko, ko reik\u0117jo: \u017eaisl\u0173, dvira\u010di\u0173, riedu\u010di\u0173. Ai\u0161ku, b\u016bdavo, kad gal koki\u0105 \u012fmantresn\u0119 \u201eBarb\u0119\u201c nori nusipirkti, v\u0117liau ir kok\u012f madingesn\u012f drabu\u017e\u012f.<\/p>

\u2013 Gal prisimenate, kokio dyd\u017eio buvo j\u016bs\u0173 pirmasis atlyginimas ir kam j\u012f i\u0161leidote?<\/h5>

\u2013 Mano pirmasis darbas buvo, kai sukako ma\u017edaug 19\u00ad\u201320 met\u0173. Tuo metu labai nor\u0117jau ma\u0161inos, ta\u010diau t\u0117vas pasak\u0117: \u201eTau tikrai nepirksiu, nes bijau, kad u\u017esimu\u0161i, padarysi avarij\u0105.\u201c Tuo metu man buvo principo reikalas [\u012fsigyti automobil\u012f] \u2013 su grupioke nusprend\u0117me vasar\u0105 va\u017eiuoti ir u\u017edarbiauti \u012f Anglij\u0105 skinti bra\u0161ki\u0173 fermoje ir u\u017esidirbti pinig\u0173.<\/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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\n\t\t\t\tSu grupioke nusprend\u0117me vasar\u0105 va\u017eiuoti ir u\u017edarbiauti \u012f Anglij\u0105 skinti bra\u0161ki\u0173 fermoje ir u\u017esidirbti pinig\u0173.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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Kadangi ir svaro kursas buvo labai auk\u0161tas, palyginti su litais, ir atlygiai gana skyr\u0117si, tai man u\u017eteko 2 m\u0117nesi\u0173, kad a\u0161 gal\u0117\u010diau u\u017esidirbti. Dar \u0161iek tiek prisid\u0117jo ir t\u0117vas, bet jis jau nesiprie\u0161ino, sak\u0117 pirkti t\u0105 ma\u0161in\u0105. Tai pirmieji u\u017edarbiai buvo skirti automobiliui nusipirkti \u2013 atrodo, \u201ePeugeot 206\u201c, tokia ma\u017eyt\u0117 ma\u0161ina. Po to ilgai vargau, nes ji vis gedo ir gedo. Tam reik\u0117jo daug pinig\u0173.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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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\n\t\t\t\tPirmieji u\u017edarbiai buvo skirti automobiliui nusipirkti \u2013 atrodo, \u201ePeugeot 206\u201c, tokia ma\u017eyt\u0117 ma\u0161ina. Po to ilgai vargau, nes ji vis gedo ir gedo. Tam reik\u0117jo daug pinig\u0173.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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\u2013 Kartu sau ir \u012frod\u0117te, kad galima ir susitaupyti, \u012fgyvendinti tiksl\u0105?<\/h5>

\u2013 B\u016btent, jeigu labai nori, yra b\u016bd\u0173, kaip tai galima padaryti. Anks\u010diau gal buvo sud\u0117tingiau, dabar daugiau galimybi\u0173 u\u017esidirbti jaunimui ir realizuoti savo svajones.<\/p>

\u2013 Esate finans\u0173 ekspert\u0117 \u2013 ar galima sakyti, kad ir \u0161iuo metu esate labiau taupi, planuojanti asmenyb\u0117?<\/h5>

\u2013 Taip, ai\u0161ku, tai \u0161iek tiek keit\u0117si. A\u0161 supratau \u2013 jei tikslas bus tik taupyti, tau visada u\u017eteks to, k\u0105 turi: nesieksi geresnio atlyginimo, karjeros, darbo poky\u010di\u0173. Suvokiau, kad vidin\u012f m\u0105stym\u0105 reikia keisti \u2013 ma\u010diau ir savo aplinkoje daug \u017emoni\u0173, kurie kaip tik buvo orientuoti \u012f tai, kaip daugiau u\u017esidirbti, o ne daugiau sutaupyti. Tada ir automati\u0161kai daugiau pinig\u0173 atsiranda, tad j\u0173 ir gali likti daugiau.<\/p>

Tai ir m\u0105s\u010diau, kad reikia ie\u0161koti daugiau galimybi\u0173 didinti savo turt\u0105. A\u0161 visada turiu saugumo pagalv\u0119, tad yra santaup\u0173. Band\u017eiau galvoti, kod\u0117l taip yra, \u2013 tai siejasi su mano vertyb\u0117mis, principais. Kai a\u0161 \u017einau, kad turiu pinig\u0173 nenumatytam atvejui, man nekyla moralin\u0117 dilema, kai turiu priimti pasi\u016blymus, kurie vertybi\u0161kai man nepatinka. Tada atitinkamai sprendimai d\u0117l projekt\u0173, darb\u0173 yra priimami atsi\u017evelgiant \u012f vertybin\u012f filtr\u0105, o po to tik pinigin\u012f filtr\u0105. \u017dinojimas, kad esu finansi\u0161kai saugi, leid\u017eia gyvenime rinktis dalykus pagal tai, su kuo noriu dirbti.<\/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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\n\t\t\t\tMa\u010diau ir savo aplinkoje daug \u017emoni\u0173, kurie kaip tik buvo orientuoti \u012f tai, kaip daugiau u\u017esidirbti, o ne daugiau sutaupyti. Tada ir automati\u0161kai daugiau pinig\u0173 atsiranda, tad j\u0173 ir gali likti daugiau.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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\u2013 Ar kaip nors stebite, kokios b\u016bna j\u016bs\u0173 m\u0117nesio i\u0161laidos, ar sekti, kiek i\u0161leidote, nem\u0117gstate?<\/h5>

\u2013 Tai irgi keit\u0117si \u2013 kadangi did\u017ei\u0105j\u0105 dal\u012f profesinio gyvenimo dirbau vie\u0161ajame sektoriuje, Lietuvos banke, atlyginimai nebuvo ka\u017ekokie labai dideli. I\u0161laidas sekdavau, susivesdavau ir \u012f \u201eExcel\u012f\u201c, kiek pinig\u0173 i\u0161eina maistui, pramogoms. Tai susikurdavau tok\u012f vaizdin\u012f, kiek kam galiu i\u0161leisti. Po to atsirado ir program\u0117l\u0117s, kur gali tai steb\u0117ti automati\u0161kai.<\/p>

Kai i\u0161\u0117jau \u012f privat\u0173 sektori\u0173, atsirado ir daugiau u\u017edarbio galimybi\u0173, pinig\u0173 padaug\u0117jo. Dabar mano i\u0161laid\u0173 eilut\u0117 nusistov\u0117jo, siekiu u\u017etikrinti, kad pinigai dirbt\u0173. Mano pagrindin\u0117 taisykl\u0117, kad pinigai negul\u0117t\u0173 ne\u012fdarbinti s\u0105skaitoje.<\/p>

Dalis mano pinig\u0173 saugiai guli ind\u0117liuose, perku finans\u0173 rinkos priemones. Jeigu sugalvosiu, kad noriu pirkti automobil\u012f, man nereik\u0117s skolintis. Dalis pinig\u0173 taip pat eina \u012f rizikingesn\u012f investavim\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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\n\t\t\t\tDalis mano pinig\u0173 saugiai guli ind\u0117liuose, perku finans\u0173 rinkos priemones. Jeigu sugalvosiu, kad noriu pirkti automobil\u012f, man nereik\u0117s skolintis.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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\u2013 Galima sakyti, kad diversifikuojate \u2013 dal\u012f pinig\u0173 laikote saugiai ind\u0117liuose, kad i\u0161siimate be didesn\u0117s \u017ealos, o kita dalis \u2013 su daugiau rizik\u0173 ir galimu pelnu ateityje?<\/h5>

\u2013 B\u016btent, ypa\u010d \u0161iais laikais, kai u\u017e ind\u0117l\u012f galima gauti ma\u017edaug 3 proc. pal\u016bkan\u0173 (anks\u010diau buvo ir 4 proc.), priklauso nuo finans\u0173 tarpininko. B\u016bna, kad \u012fkrenta pinigai \u012f s\u0105skait\u0105 ir per savait\u0119 jie i\u0161kart yra \u012fdarbinami. Tarkime, \u017einau, kad man reik\u0117s sumok\u0117ti mokes\u010dius u\u017e 3 m\u0117nesi\u0173, tai 3 m\u0117nesiams pasidedu kok\u012f ind\u0117l\u012f arba nukreipiu finans\u0173 rinkos priemones. N\u0117ra taip, kad jie s\u0105skaitoje tik guli, o infliacija juos \u201evalgo\u201c \u2013 tada i\u0161 esm\u0117s jie man nieko neu\u017edirba.<\/p>

\u2013 Tai kad ir keliems m\u0117nesiams \u012fdedate ind\u0117l\u012f ir siekiate gauti bent minimal\u0173 peln\u0105?<\/h5>

\u2013 Taip, jei u\u017edirbi 10\u201320 eur\u0173, padengi gal ir kavos m\u0117nesin\u0119 norm\u0105 kavin\u0117se. Toks dabar mano m\u0105stymas ir principas.<\/p>

\u2013 Gyventojams tikriausiai teko gird\u0117ti \u012fvairias taupymo, i\u0161laid\u0173 skirstymo strategijas, pavyzd\u017eiui, tuos pa\u010dius 6 stiklainius arba papras\u010diau \u2013 6 s\u0105skaitas banke. J\u016bs esate pana\u0161aus i\u0161laid\u0173 skirstymo \u0161alinink\u0117 ar elgiat\u0117s kitaip?<\/h5>

\u2013 Manau, kad bet kokios priemon\u0117s \u2013 vienam reikia stiklaini\u0173 principo, kitam reikia 5 ar 10 s\u0105skait\u0173 \u2013 veikia, svarbu, kad \u017emogus m\u0105styt\u0173, kad tie pinigai b\u016bt\u0173 protingai valdomi.<\/p>

Kalbant apie mane, nors turiu daug s\u0105skait\u0173 tarp skirting\u0173 bank\u0173 ir finans\u0173 tarpinink\u0173, nesu tipinis \u017emogus, nes mano profesija susijusi su finans\u0173 sritimi, investavimu. Turiu daug noro i\u0161bandyti \u012fvairius produktus, tarpininkus, d\u0117l to turiu gal 15 s\u0105skait\u0173 \u012fvairiose platformose. \u0160iais metais ma\u010diau galimybi\u0173 investuoti \u012f obligacijas, tai daugiau pinig\u0173 jud\u0117jo ten. Ma\u010diau potencialo nekilnojamojo turto platformose, ten irgi investuodavau. Nors s\u0105skait\u0173 daug, tai nesusij\u0119 su kokiais nors tikslais, o tuo, kad matau galimybi\u0173 ir pinigai atitinkamai juda i\u0161 vienos s\u0105skaitos \u012f kit\u0105.<\/p>

\u2013 Koki\u0173 buvo investavimo pamok\u0173, kada teko nusvilti?<\/h5>

\u2013 Tai yra pradedan\u010diojo investuotojo klasika. Bent jau savo aplinkoje pastebiu, kad tie, kas pradeda investuoti, da\u017eniausiai turi daugiau pasitik\u0117jimo savimi, pradeda pirkti atskir\u0173 \u012fmoni\u0173 akcij\u0173. Vis suveikia naujoko efektas, kai nusiperka ir akcij\u0173 vert\u0117 pakyla, tada ir pasitik\u0117jimas savimi auga, atrodo, kad esu superinvestuotojas \u2013 pataikiau, u\u017edirbau. Praeina kuris laikas ir pasimato realyb\u0117 \u2013 vert\u0117 nukrito, dalis beveik iki minuso nuva\u017eiavo.<\/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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\n\t\t\t\tVis suveikia naujoko efektas, kai nusiperka ir akcij\u0173 vert\u0117 pakyla, tada ir pasitik\u0117jimas savimi auga, atrodo, kad esu superinvestuotojas \u2013 pataikiau, u\u017edirbau. Praeina kuris laikas ir pasimato realyb\u0117 \u2013 vert\u0117 nukrito, dalis beveik iki minuso nuva\u017eiavo.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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Mano prad\u017eia irgi buvo tradicin\u0117<\/strong> \u2013 prad\u0117jau investuoti \u012f skirting\u0173 \u012fmoni\u0173 akcijas, tai dabar turiu iki \u0161iol toki\u0173 \u012fmoni\u0173, kuri\u0173 akcij\u0173 vert\u0117 krito -80 proc., -85 proc. Investavau \u012f vien\u0105 \u012fmon\u0119 kokius 100 eur\u0173, kit\u0105 \u2013 200 eur\u0173, tai n\u0117ra taip skausminga. A\u0161 d\u017eiaugiuosi, kad pra\u0117jau t\u0105 vis\u0105 mokym\u0105si su ma\u017eomis sumomis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Dabar neturiu tiek laiko analizuoti skirting\u0173 \u012fmoni\u0173 finansus,<\/strong> juos steb\u0117ti ir pan., labiau investuoju per \u012fvairius diversifikuotus fondus. Yra \u012fmoni\u0173, kuriomis domiuosi, stebiu, tai investuoju \u012f dalies \u012fmoni\u0173 akcijas arba obligacijas. Tokia ir buvo evoliucija \u2013 m\u0105stau, kad tegul geriau pinigai bus diversifikuoti, nors tos gr\u0105\u017eos nebus tokios auk\u0161tos pataikant \u012f pavieni\u0173 \u012fmoni\u0173 akcijas, bet u\u017etat gr\u0105\u017ea bus nuosekli.<\/p>

Esu investavusi ir \u012f \u201eAlibaba\u201c, \u201ePayPal\u201c, \u201ePhizer\u201c akcijas, vien\u0173 vert\u0117s krito nuo -40 proc. iki -60 proc., tad pasimokiau.<\/p>

\u2013 O koki\u0173 yra ger\u0173j\u0173 investavimo patir\u010di\u0173?<\/h5>

\u2013 Su akcijomis, pavyzd\u017eiui, daug kur per kelet\u0105 m\u0117nesi\u0173 vert\u0117 pakilo 20 proc., bet turiu nusista\u010diusi taisykl\u0119 tokiu atveju parduoti akcijas (nes i\u0161vertus \u012f metin\u012f prieaug\u012f tai b\u016bt\u0173 apie 100 proc.). Taip darau su akcijomis, kuriu at\u017evilgiu matau pasitaikiusi\u0105 ger\u0105 galimyb\u0119, tai neb\u016btinai gr\u012f\u017etu prie t\u0173 akcij\u0173 ateityje. Dabar su pavien\u0117mis akcijomis daugiau investuoju \u012f vietin\u0119 rink\u0105, nes j\u0105 seku, ka\u017ekiek suprantu ir galiu sureaguoti greitai parduodama ar pasipildydama krep\u0161el\u012f.<\/p>

\u2013 Bet i\u0161 esm\u0117s ir turi b\u016bti t\u0173 klaid\u0173, kad i\u0161moktum pamokas?<\/h5>

\u2013 A\u0161 ne\u017einau, gal \u010dia nebuvo klaida, bet visai geras mokymosi kelias. Net ir tiems, kurie mano aplinkoje pradeda investuoti, nesakau, kokias \u010dia nes\u0105mones darai, bet va ten neki\u0161k vis\u0173 pinig\u0173, geriau prad\u0117k nuo ma\u017eesni\u0173 sum\u0173. Tada supranti savo rizikos apetit\u0105, kaip reaguoji, kai nukrenta vert\u0117. Jeigu startuoji su\u00a0traderio\u00a0<\/em>m\u0105stymu, kad pirksi, parduosi ir pasidarysi milijonus, geriau prad\u0117k nuo ma\u017eesni\u0173 sum\u0173.<\/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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\n\t\t\t\tJeigu startuoji su traderio m\u0105stymu, kad pirksi, parduosi ir pasidarysi milijonus, geriau prad\u0117k nuo ma\u017eesni\u0173 sum\u0173.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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\u2013 Kalbant apie kasdienyb\u0119, keliaujate apsipirkti, gal vykstate ir su tam tikru s\u0105ra\u0161u, kad nenukryptum\u0117te nuo plano?<\/h5>

\u2013 Ne, neplanuoju ir neinu su s\u0105ra\u0161u apsipirkti, daugiau elgiuosi i\u0161 intuicijos. N\u0117ra taip, kad save labai riboju, bet \u017einau savo r\u0117\u017eius. Atitinkamai d\u0117lioji ir pirkinius, i\u0161laidas. Paauga pajamos \u2013 gerai, persikeliu \u012f kit\u0105 r\u0117\u017e\u012f, galiu daugiau sau leisti. Man niekada neb\u016bna taip, kad daugiau i\u0161leis\u010diau negu u\u017edirbu.<\/p>

\u2013 Toks jau principinis dalykas?<\/h5>

\u2013 Taip, principinis, nes n\u0117ra, kad save ka\u017ekaip apriboju. Tiesiog nuo tokio principo atsispiriu, pavyzd\u017eiui, planuoju kelion\u0119 ir \u017einau, kad negaliu leisti sau vie\u0161bu\u010dio u\u017e 500 eur\u0173 nak\u010diai atostog\u0173 savaitei, nes labai didel\u0119 dal\u012f mano pinig\u0173 suvalgys tokios atostogos. Tada atitinkamai \u017ei\u016briu u\u017e ma\u017eesn\u0119 kain\u0105.<\/p>

Ai\u0161ku, auga pajamos, tai atitinkamai ta kartel\u0117 auga. Tai vyksta labai intuityviai.<\/p>

\u2013 Gal kartais pasiduodate ir emociniam pirkimui \u2013 pamatote kok\u012f daikt\u0105, produkt\u0105 ir galvojate \u201enoriu \u0161ito \u010dia ir dabar\u201c?<\/h5>

\u2013 Ne, tokio neb\u016bna, bet b\u016bna emocini\u0173 pirkini\u0173, kai sumoki nepagr\u012fst\u0105 kain\u0105 u\u017e daikto funkcij\u0105. Pavyzd\u017eiui, \u0161iemet pirkau \u201eChanel\u201c rankinuk\u0105, kuris kainuoja nepagr\u012fstai brangiai funkcijos po\u017ei\u016briu. Galima nusipirkti 10 ar 100 kart\u0173 pigesn\u012f rankinuk\u0105, jis atliks t\u0105 funkcij\u0105. Ta\u010diau tai buvo daiktas, kurio a\u0161 nor\u0117jau, pagalvojau, kad art\u0117ju prie 40 met\u0173 ribos, tai negi negaliu sau leisti? Galiu. Tai irgi emocinis pirkinys, bet ne spontani\u0161kas. Tad spontani\u0161k\u0173 pirkini\u0173 neturiu, a\u0161 kaip tik ilgai galvoju, kartais suprantu, kad man reikia nusipirkti, kad nusto\u010diau galvoti apie t\u0105 daikt\u0105. Tai kartais man apsimoka nusipirkti ir pamir\u0161ti, o tuomet galvoti apie dalykus, kurie yra prasmingesni. Ta\u010diau \u017einau, kad tikrai nepereisiu \u012f spontani\u0161ko pirkimo b\u016bsen\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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\n\t\t\t\t\u0160iemet pirkau \u201eChanel\u201c rankinuk\u0105, kuris kainuoja nepagr\u012fstai brangiai funkcijos po\u017ei\u016briu. Galima nusipirkti 10 ar 100 kart\u0173 pigesn\u012f rankinuk\u0105, jis atliks t\u0105 funkcij\u0105. Ta\u010diau tai buvo daiktas, kurio a\u0161 nor\u0117jau.\t\t\t<\/p>\n\t\t\t\t\t<\/blockquote>\n\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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\u2013 Galb\u016bt kokiems nors dalykams neskai\u010diuojate pinig\u0173?<\/h5>

\u2013 Ne, n\u0117ra, viskas sukasi apie ekonomisto Raimondo Kuod\u017eio ka\u0161t\u0173-naudos analiz\u0119. Einu apsipirkti, tai jei pad\u0117tas sviestas, kuris man skanus ir \u012fkainotas \u012fprastine kaina, o kitas, kuris irgi skanus, bet su nuolaida, tai tikrai paimsiu visada su nuolaida. Nors man \u201enegros\u201c tie 50 cent\u0173, bet sprendimas praeina mano momental\u0173 ka\u0161t\u0173-naudos filtr\u0105 ir tiesiog pasirenku, kas yra naudingiau.<\/p>

\u2013 K\u0105 rekomenduotum\u0117te gyventojams, kuriems, pavyzd\u017eiui, kitais metais did\u0117ja alga, ta\u010diau ir poreikiai nat\u016braliai auga, tarkime, persikelti \u012f erdvesn\u012f, patogesn\u012f b\u016bst\u0105. Kaip nusiteikti ir geriau tuos pinigus skirti taupymui?<\/h5>

\u2013 \u010cia toks nevienareik\u0161mis klausimas. Jeigu save labai ribosi ir galvosi, kad mano atlyginimas yra toks, dabar man reikia 15 met\u0173, kad sutaupy\u010diau pinigus b\u016bstui, gal n\u0117ra labai protinga. Tada geriau imti paskol\u0105 dabar, nes po 15 met\u0173 b\u016bsto vert\u0117 i\u0161augs, o u\u017edarbis irgi auga. Taigi sprendimas priklauso nuo to, ar \u017emogus turi potencialo ir nori daugiau u\u017edirbti.<\/p>

\u2013 Koki\u0173 taupymo patarim\u0173 tur\u0117tum\u0117te skaitytojams, ar geriau \u0161ia diena gyventi, ar atsid\u0117ti?<\/h5>

\u2013 Mano pagrindin\u0117 \u017einia \u2013 neleiskite pinigams gul\u0117ti s\u0105skaitoje ne\u012fdarbintiems. Bankai net nuo 3 m\u0117nesi\u0173 si\u016blo pal\u016bkanas. Gali atrodyti, k\u0105 \u010dia d\u0117l 10 eur\u0173 sudarin\u0117siu sutart\u012f, bet net tokie ma\u017ei \u017eingsniai kei\u010dia m\u0105stym\u0105 \u2013 \u017ei\u016bri \u012f pinigus kaip \u012f priemon\u0119, kuri gali u\u017edirbti pinigus. Galima rinktis ir Vyriausyb\u0117s obligacijas, taupymo lak\u0161tus, net ir 2 proc. metini\u0173 pal\u016bkan\u0173 u\u017e pinigus, kurie guli s\u0105skaitoje, jei gavote paveld\u0117jim\u0105, pardav\u0117t nekilnojam\u0105j\u012f turt\u0105, geriau \u012fdarbinti.<\/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>\n\t\t","protected":false},"excerpt":{"rendered":"

Finans\u0173 ekspert\u0117s kelion\u0117 nuo ki\u0161enpinigi\u0173 iki s\u0105moningo investavimo
\n\u0160iame interviu Jekaterina Govina \u2013 finans\u0173 ekspert\u0117 ir INWEST bendra\u012fk\u016br\u0117ja \u2013 dalijasi savo asmenine istorija: nuo vaikyst\u0117s taupymo kiaulyt\u0117je iki finansini\u0173 sprendim\u0173 pri\u0117mimo, paremto vertyb\u0117mis ir finansiniu saugumu. Ji pataria investuoti nuo ma\u017e\u0173 sum\u0173, kad investuotojas gal\u0117t\u0173 mokytis i\u0161 klaid\u0173 ir suprast\u0173 savo rizikos tolerancij\u0105. <\/p>","protected":false},"author":1,"featured_media":10448,"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":[11],"tags":[],"class_list":["post-9162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investavimo-istorijos"],"yoast_head":"\nFinans\u0173 ekspert\u0117s pinigin\u0117je: apie investavimo patirtis ir kuo svarbus \u201eChanel\u201c rankinukas - INWEST<\/title>\n<meta name=\"description\" content=\"Finans\u0173 ekspert\u0117 Jekaterina Govina sako, kad pirmieji investavimai ma\u017eomis sumomis padeda mokytis i\u0161 klaid\u0173 ir \u012fsivertinti sau priimtin\u0105 rizik\u0105. 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