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INDEPENDENTA FINANCIARA 1 https://generatiaindependenta.ro/

Transcript of Presentation Title Goes Here with room for three lines of ... · ETAPELE VIETII Venituri Cheltuieli...

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INDEPENDENTA FINANCIARA

1

https://generatiaindependenta.ro/

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O LUNA DIN VIATA NOASTRA

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ETAPELE VIETII

Venituri

Cheltuieli

Economii

Venituri

Cheltuieli

Economii

Venituri

Cheltuieli

Economii

Venituri

Cheltuieli

Economii

Venituri

Cheltuieli

Economii

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DE CE INVESTIM? CUM INVESTIM? IN CE INVESTIM?

AGENDA

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INFLATIE

1,000 RON

3% Inflatie

30 ani

401 RON

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RANDAMENTE COMPUSE

1,000 RON 0% 30 ani 1,000 RON

1,000 RON 2% 30 ani 1,811 RON

1,000 RON 4% 30 ani 3,243 RON

1,000 RON 6% 30 ani 5,743 RON

1,000 RON 8% 30 ani 10,062 RON

1,000 RON 10% 30 ani 17,449 RON

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1,000.00

3,000.00

5,000.00

7,000.00

9,000.00

11,000.00

13,000.00

15,000.00

17,000.00

19,000.00

1 121 241

Puterea randamentelor compuse

0% 2% 4% 6% 8% 10%

7

RANDAMENTE COMPUSE

delta

$

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INCEPE DEVREME

Incepe la 20 ani

500 RON luna

10 ani 8%1,387,944

RON

Incepe la 30 ani

500 RON luna

35 ani 8%1,122,613

RON

Incepe la 20 ani

500 RON luna

45 ani 8%2,510,556

RON

A

V

A

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DE CE INVESTIM?

BENEFICII

1

2

3

Protectie impotriva inflatiei

Sfantul gral - randamentele compuse

Cine incepe devreme departe ajunge

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CUM INVESTIM?

AGENDA

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BUGETUL PERSONAL

Obiectivul

minim

10%

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OBIECTIVELE INVESTITIONALE

SANATATE EDUCATIE PENSIONARE

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RANDAMENT NECESAR

Economisim500 RON

de la 25 ani

Randament

6.70%

Obiectiv

5000 RON

de la 65 ani

Economisim250 RON

de la 25 ani

Randament

9.30%

Obiectiv

5000 RON

de la 65 ani

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LICHIDITATE

SPECIALE

RISC

TAXE SI COMISIOANE

RANDAMENT

ETAPA VIETII

PLAN DE INVESTITII

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CUM INVESTIM?

BENEFICII

1

2

3

Buget personal planifica investitiile

Stabileste obiectivele investitionale

Intelege nevoia de randament si riscurile

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IN CE INVESTIM?

AGENDA

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ISTORIE

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IN CE INVESTIM?

AGENDA

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INSTRUMENTE CU VENIT FIX

Depozitebancare

Risc Lichiditate Taxe

Obligatiuni Randament Risc Lichiditate Taxe

Randament

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ACTIUNI

Actiuni Lichiditate TaxeRandament Risc

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FONDURI DE INVESTITII

Fonduri Risc Lichiditate TaxeRandament

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FONDURI DE PENSII

Fonduri

PensiiRisc Lichiditate TaxeRandament

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INVESTITII ALTERNATIVE

Investitii alternative

Risc Lichiditate TaxeRandament

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IN CE SA INVESTIM

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PLANUL TAU STRATEGIC DE INVESTITII

Actiuni40%

Venit fix20%

Fonduri20%

Pensii20%

Actiuni

Venitfix

Fonduri

Pensii

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IN CE INVESTIM?

BENEFICII

1

2

3

In ce poti sa investesti

Diversifica – te protejeaza de riscuri

Planul tau strategic de investitii

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DECALOGUL GENERAȚIEI I

10 principii esențiale pentru obținerea independenței financiare:

1. Evidența cheltuielilor2. Bugetul lunar de cheltuieli3. Economisirea lunară a unei părți din

venit4. Obiectivul economisirii5. Instrumentele economisirii6. Automatizarea economisirii7. Diversificarea portofoliului8. Prudența9. Informarea continuă din surse

profesionale10. Reevaluarea periodică a nevoilor și

priorităților