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VersloSavaite.lt   
2010 01 26, 15:46
Konsultacija. Dėti indėlį į banką ar pirkti valstybės obligacijų?

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Rokas Lukošius
„Kaip geriau pasielgti su turimais pinigais: padėti indėlį į banką ar nusipirkti valstybės obligacijų?“ – klausia Verslosavaite.lt skaitytojas. Į klausimą atsako finansų ir investavimo specialistas Rokas Lukošius, knygos „Investuotojo išpažintis“ autorius.

 

Viskas priklauso nuo konkrečių rinkos sąlygų, tačiau jei žiūrėsime metodiškai, valstybės obligacijos dažniausiai būna geresnis pasirinkimas. Bankas yra tarpininkas, besiskolinantis pinigus iš jų turinčiųjų, ir tuomet juos skolinantis tiems, kam jų trūksta. Už šį tarpininkavimą, be abejo, jis pasiima mokesčius sau.

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Jei perkate obligacijas, tuomet skolinate tiesiogiai valstybei, ir nors tarpininkų neišvengsite pirkdami vertybinius popierius, mokesčiai čia bus mažesni.

 

Todėl paprastai iš valstybės obligacijų galima tikėtis aukštesnių palūkanų nei iš banko indėlio, jei lyginsime palūkanas tai pačiai valiutai bei tai pačiai trukmei.

 

Kalbant apie saugumą, indėliai iki 22 000 EUR yra draudžiami, todėl jų rizikingumas yra ne didesnis negu valstybės obligacijų, o jei suma didesnė – tuomet rizikingumas gali ir išaugti, priklausomai nuo banko.

 

Kita vertus, gali būti situacijų, kad patikimas bankas turės geresnį reitingą nei silpna valstybė, tokiu atveju rizikingumą taip pat reikėtų įvertinti.

 

www.investicijos.net

 

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