{"id":12992,"date":"2026-03-08T02:19:08","date_gmt":"2026-03-08T02:19:08","guid":{"rendered":"https:\/\/www.europesays.com\/sk\/12992\/"},"modified":"2026-03-08T02:19:08","modified_gmt":"2026-03-08T02:19:08","slug":"do-coho-smeruju-svoje-peniaze","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/sk\/12992\/","title":{"rendered":"Do \u010doho smeruj\u00fa svoje peniaze?"},"content":{"rendered":"<p>\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/03\/GettyImages-1323542329-1280x960.jpg\"\/><\/p>\n<p>\t\t\t\t\tFoto: gettyimages.com\/oatawa<\/p>\n<p>\t\t\t<img decoding=\"async\" src=\"https:\/\/www.europesays.com\/sk\/wp-content\/uploads\/2026\/02\/1772091428_813_logo_openiazoch-2-1.jpg\" alt=\"autor logo\"\/><\/p>\n<p class=\"article-perex\">\u017deny prib\u00fadali vlani medzi investormi investi\u010dnej spolo\u010dnosti XTB spomedzi kraj\u00edn, kde skupina p\u00f4sob\u00ed, najdynamickej\u0161ie pr\u00e1ve na Slovensku. <\/p>\n<p>K\u00fdm v roku 2024 patril podiel \u017eien z\u00a0klientov <a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/xtb\/\" type=\"post_tag\" id=\"1357\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">XTB<\/a> na Slovensku (7 percent) na spodok rebr\u00ed\u010dka, rok 2025 priniesol v\u00fdrazn\u00e9 zv\u00fd\u0161enie tohto parametra. Spomedzi slovensk\u00fdch investorov tvorili ku koncu vla\u0148aj\u0161ka \u017eeny u\u017e 19 percent. Ide teda o medziro\u010dn\u00fd viac ako 2,5-n\u00e1sobn\u00fd n\u00e1rast, najviac v porovnan\u00ed s ostatn\u00fdmi trhmi, kde XTB p\u00f4sob\u00ed.<\/p>\n<p>Mohlo by v\u00e1s zauj\u00edma\u0165:<\/p>\n<p>Reklama<\/p>\n<p> div {<br \/>\ntext-align: left;<br \/>\nfont-size: 12px;<br \/>\ncolor: #6f6f6f;<br \/>\n}<\/p>\n<p>#onnetwork-banner > div:first-child {<br \/>\ntext-align: left;<br \/>\nfont-weight: 700;<br \/>\npadding-bottom: 5px;<br \/>\nfont-size: 14px;<br \/>\ncolor: #000000;<br \/>\n}<\/p>\n<p>]]><\/p>\n<p>\u201eUvedomujeme si, \u017ee pre \u017eeny je d\u00f4le\u017eit\u00e9, aby boli investorkami, preto\u017ee to m\u00f4\u017ee pozit\u00edvne ovplyvni\u0165 ich finan\u010dn\u00fa bud\u00facnos\u0165. Investovanie nem\u00e1 by\u0165 iba mu\u017esk\u00fdm svetom, preto sa viac zameriavame na vzdel\u00e1vanie \u017eien, ktor\u00fdch podiel medzi investormi je st\u00e1le relat\u00edvne n\u00edzky. Na Slovensku sa n\u00e1m v tomto smere vlani darilo a v tomto trende a aktivit\u00e1ch chceme pokra\u010dova\u0165. \u017deny investuj\u00fa odli\u0161ne ne\u017e mu\u017ei, s\u00fastredia sa sk\u00f4r na dlhodob\u00e9 ciele ne\u017e na rizikovej\u0161ie kr\u00e1tkodob\u00e9 oper\u00e1cie,\u201d hovor\u00ed <a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/vladimir-holovka\/\" type=\"post_tag\" id=\"21387\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Vladim\u00edr Holovka<\/a>, \u0161\u00e9f XTB v \u010cesku, na Slovensku a v Ma\u010farsku.<\/p>\n<p>Investi\u010dn\u00e1 platforma XTB spustila za\u010diatkom tohto roka na Slovensku a\u00a0v\u00a0\u010cesku vzdel\u00e1vaciu kampa\u0148 ONA INVESTUJE na svojich platform\u00e1ch pre \u017eeny, ktor\u00e9 chc\u00fa za\u010da\u0165 s\u00a0investovan\u00edm.<\/p>\n<p>\u201eV r\u00e1mci vzdel\u00e1vacieho kurzu Ona investuje chceme \u017een\u00e1m uk\u00e1za\u0165, \u017ee investovanie m\u00f4\u017ee by\u0165 cestou aj pre ne, a vysvetli\u0165 im z\u00e1klady, na ktor\u00fdch bud\u00fa m\u00f4c\u0165 stava\u0165. Bezplatn\u00fd kurz je koncipovan\u00fd tak, aby si v \u0148om na\u0161li svoje \u00fapln\u00e9 za\u010diato\u010dn\u00ed\u010dky, ktor\u00e9 o investovan\u00ed zatia\u013e ni\u010d nevedia, aj sk\u00fasenej\u0161ie investorky, ktor\u00e9 si bud\u00fa chcie\u0165 svoje znalosti preh\u013abi\u0165. Nejde o to ukazova\u0165 im jednu cestu ako jedin\u00fa spr\u00e1vnu, ale da\u0165 \u017een\u00e1m znalosti a sebavedomie, aby sa do sveta invest\u00edci\u00ed vydali. Akou cestou sa vyber\u00fa alebo kam bud\u00fa chcie\u0165 d\u00f4js\u0165, u\u017e z\u00e1vis\u00ed od ich individu\u00e1lnych potrieb,\u201d vysvet\u013euje ambas\u00e1dorka kampane XTB ONA INVESTUJE a investi\u010dn\u00e1 analyti\u010dka Anna P\u00edchov\u00e1.<\/p>\n<p>\tInvestujete alebo pl\u00e1nujete investova\u0165 svoje peniaze?<\/p>\n<p>Pre porovnanie, v \u010ceskej republike tvorili vlani <a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/zeny\/\" type=\"post_tag\" id=\"2991\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u017eeny<\/a> 15,8 percenta klientov (+7,4 percentu\u00e1lneho bodu medziro\u010dne), v Ma\u010farsku zostal ich podiel ni\u017e\u0161ie na 10,8 percenta. Priemer na v\u0161etk\u00fdch trhoch, kde XTB p\u00f4sob\u00ed, presahuje 16 percent. Najvy\u0161\u0161\u00ed podiel \u017eien medzi <a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/investori\/\" type=\"post_tag\" id=\"4031\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">investormi<\/a> m\u00e1 XTB v Indon\u00e9zii, (29,4 percenta), kde spolo\u010dnos\u0165 za\u010dala p\u00f4sobi\u0165 len vlani, z eur\u00f3pskych kraj\u00edn vedie Rumunsko (21,7 percenta).<\/p>\n<p>Spomedzi nov\u00fdch klientov, ktor\u00ed pribudli XTB vlani, tvorili \u017eeny na Slovensku viac ako p\u00e4tinu (22,8 %). V \u010ceskej republike bol pr\u00edlev nov\u00fdch klientok o nie\u010do menej dynamick\u00fd, hoci sa tie\u017e pribl\u00ed\u017eil k p\u00e4tine (19 %). Z\u00e1rove\u0148 platilo, \u017ee klientsky kme\u0148 sa na oboch trhoch vlani \u201eomladil\u201d. \u201eK\u00fdm v roku 2024 bol priemern\u00fd vek klientov (\u017eien i mu\u017eov) v pr\u00edpade Slovenska 43 rokov, vlani to u\u017e bolo 37 rokov v pr\u00edpade \u017eien a 36 rokov u mu\u017eov,\u201c dod\u00e1va XTB.<\/p>\n<p>\u010co preferuj\u00fa \u017eeny pri investovan\u00ed?<\/p>\n<p>Vlani platilo, \u017ee ani nie desatina investoriek na Slovensku mala v portf\u00f3liu akcie (9 %) a\u00a0ETF (7 %), teda burzovo obchodovan\u00e9 fondy, ktor\u00e9 kop\u00edruj\u00fa v\u00fdvoj akciov\u00fdch indexov, komod\u00edt \u010di in\u00fdch tried akt\u00edv. Najpopul\u00e1rnej\u0161\u00edmi akciami pre investorky na Slovensku boli vlani Rivian Automotive, Rheinmetall a Apple. Ob\u013euba americk\u00e9ho Rivianu mohla s\u00favisie\u0165 s aktivitou spolo\u010dnosti XTB na podporu investovania, ktor\u00e1 ka\u017ed\u00e9mu nov\u00e9mu investorovi v z\u00e1vere vla\u0148aj\u0161ka darovala jednu akciu tejto automobilky.<\/p>\n<p>Apple zase patr\u00ed medzi najob\u013e\u00fabenej\u0161ie investi\u010dn\u00e9 ciele v\u0161eobecne, tak\u017ee jeho umiestnenie v prvej trojke pri Slovenk\u00e1ch neprekvapuje. \u010co v\u0161ak mo\u017eno m\u00f4\u017ee by\u0165 prekvapen\u00edm, s\u00fa akcie nemeck\u00e9ho zbroj\u00e1rskeho koncernu Rheinmetall. Za touto vo\u013ebou v\u0161ak zrejme m\u00f4\u017eeme vidie\u0165 najm\u00e4 pragmatizmus, ke\u010f\u017ee v pohnut\u00fdch geopolitick\u00fdch \u010dasoch pr\u00e1ve t\u00e1to akcia patr\u00ed k najdynamickej\u0161ie rast\u00facim na trhu. Pre porovnanie, \u010ce\u0161ky mali v rebr\u00ed\u010dku top akci\u00ed Apple, Nvidiu a Teslu.<\/p>\n<p>Z <a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/etf-fondy\/\" type=\"post_tag\" id=\"10775\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">ETF<\/a> kra\u013eovali medzi \u017eenami \u2013 investorkami na Slovensku SXR8 (ETF nadviazan\u00e9 na americk\u00fd index S&amp;P 500), VBTC (na bitcoin) a XAD6 (na index svetov\u00fdch akci\u00ed MSCI World). Najpopul\u00e1rnej\u0161ie CFD (deriv\u00e1tov\u00e9 finan\u010dn\u00e9 n\u00e1stroje) Sloveniek boli napojen\u00e9 na v\u00fdvoj komod\u00edt ako je zlato a zemn\u00fd plyn \u010di na americk\u00e9 akcie (US100). CFD patria na platforme XTB medzi najviac vyu\u017e\u00edvan\u00e9 finan\u010dn\u00e9 in\u0161trumenty. V oboch pr\u00edpadoch boli slovensk\u00e9 klientky na tom podobne ako v\u00e4\u010d\u0161ina investoriek na in\u00fdch trhoch XTB, aj tam viedli v popularite CFD zlato a v pr\u00edpade ETF SXR8.<\/p>\n<p>\u201eNeprekvap\u00ed, \u017ee rovnako ako na in\u00fdch trhoch, aj na Slovensku preferuj\u00fa investori \u2013 vr\u00e1tane \u017eien \u2013 pr\u00edstup k investi\u010dnej platforme cez mobiln\u00fa aplik\u00e1ciu. Cez telef\u00f3n uskuto\u010dnili vlani viac ako dve tretiny transakci\u00ed (71 %), na zvy\u0161ok vyu\u017eili desktopov\u00fa platformu,\u201c dod\u00e1va XTB.<\/p>\n<p class=\"has-small-font-size\">[<a href=\"https:\/\/www.xtb.com\/sk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">XTB<\/a>\u00a0je obsahov\u00fdm partnerom webu\u00a0<a href=\"https:\/\/openiazoch.zoznam.sk\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">oPeniazoch.sk<\/a>]<\/p>\n<p class=\"tags\">Viac o t\u00e9me:<br \/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/akcie\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\takcie\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/etf\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\tETF\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/financna-gramotnost\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\tfinan\u010dn\u00e1 gramotnos\u0165\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/investovanie\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\tinvestovanie\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/slovensko\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\tSlovensko\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/trhy\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\ttrhy\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/vzdelavanie\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\tvzdel\u00e1vanie\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/xtb\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\tXTB\t\t\t\t\t\t\t\t\t\t<\/a><br \/>\n\t\t\t\t\t\t\t\t\t\t, \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/openiazoch.zoznam.sk\/tag\/zeny\/\" rel=\"nofollow noopener\" target=\"_blank\"><br \/>\n\t\t\t\t\t\t\t\t\t\t\t\u017eeny\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/p>\n","protected":false},"excerpt":{"rendered":"Foto: gettyimages.com\/oatawa \u017deny prib\u00fadali vlani medzi investormi investi\u010dnej spolo\u010dnosti XTB spomedzi kraj\u00edn, kde skupina p\u00f4sob\u00ed, najdynamickej\u0161ie pr\u00e1ve na&hellip;\n","protected":false},"author":2,"featured_media":12993,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[895,6580,6581,2618,43,40,44,39,42,45,41,6582,569,2622,1610],"class_list":{"0":"post-12992","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-slovensko","8":"tag-akcie","9":"tag-etf","10":"tag-financna-gramotnost","11":"tag-investovanie","12":"tag-sk","13":"tag-slovak","14":"tag-slovak-republic","15":"tag-slovakia","16":"tag-slovencina","17":"tag-slovenska-republika","18":"tag-slovensko","19":"tag-trhy","20":"tag-vzdelavanie","21":"tag-xtb","22":"tag-zeny"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116191164033884465","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/12992","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=12992"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/12992\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/12993"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=12992"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=12992"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=12992"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}