Depozit - katera banka ima najvišje obresti?

Pici55 je 14. mar 2025 ob 11:57:51 izjavil:

Addiko z 1,90 % mi ne pomaga kaj dosti. UniCredit ima enako obrestno mero.

Načeloma bi rad iz tega denarja dobival dividende za sproti. Namesto nekega side hustla. V prihodnosti nimam večjih investicij kot je npr. nepremičnina in podobno, čeprav ...

Po drugi strani sem se sicer lepo zajebal, ker sem 2018 prodal stanovanje, ki sem ga oddajal. Takrat dober denar, danes pa je to smešen znesek. Tu razmišljam, da bi prihranil za novo stanovanje, ga kupil in oddajal. Ne vem, pa če se to (še) izplača. Nakup bi bil all-in.

Vse bolj se nagibam k nakupu obveznic, ostalih par tisočakov pa vržem v delnice, etf itd.

Kaj ti pomeni ta denar, ga ne boš potreboval 10, 20 let ali ga boš potreboval morda že drugo leto? Če ti je to železna rezerva, morda res nabavi novo ljudsko obveznico.
Sicer pa vrži v par delnic, ki izplačujejo dobre dividende. Npr. Krka, poglej si Pfizerja (skoraj 7% dividence + to, da je trenutno izjemno podcenjen). Če ne posameznih delnic, pa glej za kakšen distribucijski ETF.

Furbo, tjah, dopolnitev,

European Central Bank President Christine Lagarde said the ECB was becoming less able to guarantee meeting its 2 per cent inflation target in the short term, as policymakers were forced to wrestle with "exceptionally high" uncertainty.

A week after the central bank signalled a possible slowdown in cuts to borrowing costs, after reducing its benchmark interest rate for the sixth time by a quarter point to 2.5 per cent, Lagarde told a conference in Frankfurt that the environment had become so difficult that it would be "impossible" to guarantee that "headline inflation will always be at 2 per cent".

socialec je 16. mar 2025 ob 16:03:50 izjavil:

Furbo, tjah, dopolnitev,

European Central Bank President Christine Lagarde said the ECB was becoming less able to guarantee meeting its 2 per cent inflation target in the short term, as policymakers were forced to wrestle with "exceptionally high" uncertainty.

A week after the central bank signalled a possible slowdown in cuts to borrowing costs, after reducing its benchmark interest rate for the sixth time by a quarter point to 2.5 per cent, Lagarde told a conference in Frankfurt that the environment had become so difficult that it would be "impossible" to guarantee that "headline inflation will always be at 2 per cent".

Saj ni nujno 2%, lahko je tudi 0% ali pa -5%.

socialec je 16. mar 2025 ob 18:50:41 izjavil:

To je opozorilo, da bo uradna inflacija verjetno prej +10% kot 0 ali -5%, dejanska pa tako x2.

To ni opozorilo, če centralna banka to reče potem veš da bodo sprintali toliko evrov, kot jih niso nikoli do sedaj. Pripravite se na hiperinflacijo in Jugoslavijo 2.0.

LeQuack je 16. mar 2025 ob 19:14:38 izjavil:

socialec je 16. mar 2025 ob 18:50:41 izjavil:

To je opozorilo, da bo uradna inflacija verjetno prej +10% kot 0 ali -5%, dejanska pa tako x2.

To ni opozorilo, če centralna banka to reče potem veš da bodo sprintali toliko evrov, kot jih niso nikoli do sedaj. Pripravite se na hiperinflacijo in Jugoslavijo 2.0.

Smo že pripravljeni, kar se tiče premoženja. Problem bo le prepričat delodajalca, da res redno usklajuje plače z realno inflacijo...