{"id":948,"date":"2026-07-22T10:02:03","date_gmt":"2026-07-22T08:02:03","guid":{"rendered":"https:\/\/wp.revestus.lt\/?p=948"},"modified":"2026-09-08T14:14:05","modified_gmt":"2026-09-08T12:14:05","slug":"kur-investuoti-1000-euru","status":"publish","type":"post","link":"https:\/\/revestus.lt\/r\/blog\/kur-investuoti-1000-euru\/","title":{"rendered":"Kur investuoti 1000 eur\u0173? Geriausios investavimo id\u0117jos 2026 m."},"content":{"rendered":"\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-1d3eb57\" id=\"gspb_image-id-gsbp-1d3eb57\"><img decoding=\"async\" src=\"https:\/\/revestus.lt\/r\/wp-content\/uploads\/2026\/04\/kur-investuoti-1000-euru-hero.webp.png\" data-src=\"\" alt=\"Kur investuoti 1000 eur\u0173 \u2013 geriausios investavimo id\u0117jos\" loading=\"lazy\" width=\"1536\" height=\"1024\" title=\"Kur investuoti 1000 eur\u0173? | Revestus\"\/><\/div>\n\n\n\n<p>1000 eur\u0173 \u2014 tai suma, su kuria jau galima prad\u0117ti investuoti rimtai. Ne per ma\u017ea, ne per didel\u0117. Ta\u010diau prie\u0161 pasirenkant, kur investuoti 1000 eur\u0173, svarbu atsakyti \u012f kelis klausimus: ar turite atsargos fond\u0105? Ar turite dideli\u0173 pal\u016bkan\u0173 skol\u0173? Koks j\u016bs\u0173 investavimo horizontas? \u0160iame gide rasite visk\u0105 \u2014 nuo investavimo priemoni\u0173 palyginimo iki konkretaus \u017eingsnis po \u017eingsnio plano ir da\u017eniausi\u0173 klaid\u0173, kuri\u0173 reikia vengti.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"trumpas-atsakymas\">Trumpas atsakymas<\/h2>\n\n\n\n<p>Jeigu investuojate pirmuosius 1000 eur\u0173, daugeliui pradedan\u010di\u0173j\u0173 tinkamiausias pasirinkimas yra vienas pla\u010diai diversifikuotas ETF fondas. Konservatyvesni investuotojai gali rinktis Vyriausyb\u0117s taupymo lak\u0161tus arba obligacijas, o siekiant didesn\u0117s gr\u0105\u017eos dal\u012f portfelio galima skirti sutelktiniam finansavimui ar pavien\u0117ms akcijoms. Konkretus sprendimas priklauso nuo j\u016bs\u0173 investavimo laikotarpio, tiksl\u0173 ir rizikos tolerancijos.<\/p>\n\n\n\n<p><strong>\u0160iame straipsnyje su\u017einosite:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ar verta investuoti 1000 eur\u0173;<\/li>\n\n\n\n<li>kokios investavimo priemon\u0117s tinkamiausios skirtingiems tikslams;<\/li>\n\n\n\n<li>kaip paskirstyti investicijas pagal rizikos profil\u012f;<\/li>\n\n\n\n<li>koki\u0173 klaid\u0173 da\u017eniausiai daro pradedantieji investuotojai;<\/li>\n\n\n\n<li>kaip prad\u0117ti investuoti \u017eingsnis po \u017eingsnio.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ka-reikia-padaryti-pries-investuojant-1000-euru\"><strong><strong>K\u0105 reikia padaryti prie\u0161 investuojant 1000 eur\u0173?<\/strong><\/strong><\/h2>\n\n\n\n<p>Prie\u0161 klausin\u0117jant, kur investuoti 1000 eur\u0173, reikia atsakyti \u012f svarbesn\u012f klausim\u0105: ar esate pasiruo\u0161\u0119 investuoti? Tai tema, kuri\u0105 beveik visi lietuvi\u0161ki investavimo straipsniai praleido \u2014 o ji yra kriti\u0161kai svarbi.<\/p>\n\n\n\n<p><strong>Atsargos fondas \u2014 pirma investicija, kuri\u0105 reikia padaryti<\/strong> Finans\u0173 ekspertai ir investuotoj\u0173 bendruomen\u0117s vieningai sutaria: prie\u0161 pradedant investuoti, reikia tur\u0117ti 3\u20136 m\u0117nesi\u0173 i\u0161laid\u0173 atsargos fond\u0105. Jei netik\u0117tai netektum\u0117te darbo arba susidurtum\u0117te su neplanuotomis i\u0161laidomis \u2014 tur\u0117tum\u0117te i\u0161 ko padengti, nei\u0161imdami investicij\u0173 blogiu metu.<\/p>\n\n\n\n<p><strong>Skolos su auk\u0161tomis pal\u016bkanomis \u2014 gr\u0105\u017einkite pirmiau<\/strong> Jei turite vartojimo kredit\u0173 arba kit\u0173 skol\u0173 su 10\u201320 % pal\u016bkanomis \u2014 gr\u0105\u017einti jas yra geriausia \u201einvesticija&#8221;. Garantuota 15 % gr\u0105\u017ea (sutaupytos pal\u016bkanos) yra geriau nei tik\u0117tina 8 % rinkos gr\u0105\u017ea.<\/p>\n\n\n\n<p><strong>Nustatykite tiksl\u0105 ir investavimo horizont\u0105<\/strong> Kur investuoti 1000 eur\u0173 \u2014 priklauso nuo to, kada tie pinigai jums reikalingi. Trumpalaikis tikslas (1\u20133 metai) reikalauja konservatyvesni\u0173 priemoni\u0173. Ilgalaikis horizontas (10+ met\u0173) leid\u017eia prisiimti daugiau rizikos ir tik\u0117tis didesn\u0117s gr\u0105\u017eos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"norite-issirinkti-tinkamiausia-investavimo-buda\"><strong>Norite i\u0161sirinkti tinkamiausi\u0105 investavimo b\u016bd\u0105?<\/strong><\/h2>\n\n\n\n<p>Prie\u0161 nuspr\u0119sdami, kur investuoti 1000 eur\u0173, verta suprasti, kuo skiriasi pagrindin\u0117s investavimo priemon\u0117s. M\u016bs\u0173 i\u0161samiame gide rasite ETF, akcij\u0173, obligacij\u0173, nekilnojamojo turto ir sutelktinio finansavimo palyginim\u0105 bei su\u017einosite, kaip pasirinkti investavimo strategij\u0105 pagal savo tikslus, investavimo laikotarp\u012f ir rizikos tolerancij\u0105.<\/p>\n\n\n\n<p><strong>Skaitykite: \u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kur-investuoti-pinigus\/\" data-type=\"link\" data-id=\"https:\/\/wp.revestus.lt\/blog\/kur-investuoti-pinigus-2\/\">Kur investuoti pinigus 2026 m.? I\u0161samus investavimo gidas pradedantiesiems ir pa\u017eengusiems<\/a>\u201c<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kur-investuoti-1000-euru-lietuvoje-geriausios-priemones-2026-metais\"><strong>Kur investuoti 1000 eur\u0173 Lietuvoje: geriausios priemon\u0117s 2026 metais<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"etf-fondai-paprasciausias-pasirinkimas-pradedantiesiems\"><strong><strong>ETF fondai \u2014 papras\u010diausias pasirinkimas pradedantiesiems<\/strong><\/strong><\/h3>\n\n\n\n<p>ETF (angl. Exchange-Traded Fund) \u2014 tai krep\u0161elis akcij\u0173 arba obligacij\u0173, kur\u012f galima nupirkti kaip vien\u0105 vertybin\u012f popieri\u0173. Tai populiariausia investavimo priemon\u0117 pradedantiesiems d\u0117l paprastos prie\u017easties: vienas pla\u010diai diversifikuotas ETF (pvz., VWCE arba S&amp;P 500 sekantis ETF) i\u0161 karto apima \u0161imtus ar t\u016bkstan\u010dius \u012fmoni\u0173 visame pasaulyje.<\/p>\n\n\n\n<p>Su 1000 eur\u0173 rekomenduojama rinktis <strong>vien\u0105 pla\u010diai diversifikuot\u0105 pasaulin\u012f ETF, o ne kelis skirtingus ETF<\/strong> \u2014 per didelis skaidymas su ma\u017ea suma sukuria neproporcingai didelius sandori\u0173 ka\u0161tus. Ilguoju laikotarpiu pasaulin\u0117s akcij\u0173 rinkos istori\u0161kai vidutini\u0161kai generavo apie 7\u201310 % metin\u0119 gr\u0105\u017e\u0105, ta\u010diau ankstesni rezultatai negarantuoja tokios pa\u010dios gr\u0105\u017eos ateityje.<\/p>\n\n\n\n<p><strong>Kaip investuoti:<\/strong> investuoti galima per licencijuot\u0105 broker\u012f arba banko investicin\u0119 s\u0105skait\u0105. Renkantis paslaug\u0173 teik\u0117j\u0105 verta atkreipti d\u0117mes\u012f \u012f taikomus komisinius, investavimo galimybes ir naudojimosi patogum\u0105.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vyriausybes-taupymo-lakstai-vtl-maziausios-rizikos-investicija\"><strong><strong>Vyriausyb\u0117s taupymo lak\u0161tai (VTL) \u2014 ma\u017eiausios rizikos investicija<\/strong><\/strong><\/h3>\n\n\n\n<p>Obligacijos \u2014 valstybin\u0117s arba korporacin\u0117s skolos vertybiniai popieriai. Kur investuoti pinigus saugiai \u2014 obligacijos yra vienas atsakym\u0173.<\/p>\n\n\n\n<p>Lietuvos vyriausyb\u0117s obligacijos ir vyriausyb\u0117s taupymo lak\u0161tai (VTL) \u2014 ma\u017eiausios rizikos investicija Lietuvoje, garantuota valstyb\u0117s. Korporacin\u0117s obligacijos \u2014 \u0161iek tiek didesn\u0117 rizika, bet ir didesn\u0117s pal\u016bkanos. Obligacij\u0173 ETF fondai \u2014 paprastas b\u016bdas \u012fsigyti diversifikuot\u0105 obligacij\u0173 portfel\u012f.<\/p>\n\n\n\n<p>Vyriausyb\u0117s taupymo lak\u0161tai \u2014 viena ma\u017eiausiai aptariam\u0173, bet aktualiausi\u0173 priemoni\u0173 2026 m. kontekste. Tai Lietuvos Respublikos Finans\u0173 ministerijos i\u0161leid\u017eiami skolos vertybiniai popieriai, garantuoti valstyb\u0117s. Gr\u0105\u017ea ma\u017eesn\u0117 nei akcij\u0173 rinkoje, ta\u010diau rizika minimali \u2014 puikus pasirinkimas konservatyviam investuotojui arba trumpalaikiam tikslui.<\/p>\n\n\n\n<p>VTL galima \u012fsigyti per Lietuvos banko platform\u0105 arba per komercinius bankus. Su 1000 eur\u0173 galima pirkti jau nuo 100 eur\u0173 nominalios vert\u0117s.<\/p>\n\n\n\n<p><strong>Orientacin\u0117 gr\u0105\u017ea:<\/strong> 3\u20136 % per metus, priklausomai nuo termino ir emitento rizikos.<\/p>\n\n\n\n<p><strong>Svarbu:<\/strong> Vyriausyb\u0117s taupymo lak\u0161tams netaikomas ind\u0117li\u0173 draudimas, ta\u010diau j\u0173 \u012fsipareigojimus garantuoja Lietuvos valstyb\u0117.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"nekilnojamasis-turtas-ar-1000-euru-pakanka\"><strong>Nekilnojamasis turtas \u2013 ar 1000 eur\u0173 pakanka?<\/strong><\/h3>\n\n\n\n<p>Investuoti \u012f nekilnojam\u0105j\u012f turt\u0105 tiesiogiai turint 1000 eur\u0173 da\u017eniausiai n\u0117ra realu. Tokios sumos paprastai nepakanka \u012fsigyti investicin\u012f b\u016bst\u0105 ar kit\u0105 nekilnojamojo turto objekt\u0105, net naudojantis banko finansavimu.<\/p>\n\n\n\n<p>Ta\u010diau \u0161iandien egzistuoja alternatyv\u0173. Viena j\u0173 \u2013 investavimas \u012f nekilnojamuoju turtu u\u017etikrintas paskolas per sutelktinio finansavimo platformas. Tokiu atveju investuotojas neperka paties turto, bet finansuoja projektus, kuri\u0173 gr\u0105\u017einim\u0105 da\u017enai u\u017etikrina nekilnojamojo turto \u012fkeitimas.<\/p>\n\n\n\n<p>Tokia investavimo forma leid\u017eia prad\u0117ti investuoti nuo palyginti nedideli\u0173 sum\u0173 ir suteikia galimyb\u0119 gauti reguliarias pal\u016bkanas, ta\u010diau kartu i\u0161lieka didesn\u0117 rizika nei investuojant \u012f valstyb\u0117s obligacijas ar pla\u010diai diversifikuotus ETF fondus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sutelktinis-finansavimas-aukstesne-graza-su-didesne-rizika\"><strong><strong>Sutelktinis finansavimas \u2014 auk\u0161tesn\u0117 gr\u0105\u017ea su didesne rizika<\/strong><\/strong><\/h3>\n\n\n\n<p>Sutelktinis finansavimas \u2013 tai investavimas \u012f verslo paskolas per reguliuojamas platformas. Lietuvoje jos veikia pagal Europos sutelktinio finansavimo paslaug\u0173 teik\u0117j\u0173 (ECSP) reglament\u0105 ir yra pri\u017ei\u016brimos Lietuvos banko.<\/p>\n\n\n\n<p>Investuotoj\u0173 gaunamos pal\u016bkanos priklauso nuo konkretaus projekto rizikos, u\u017estato, paskolos termino ir kit\u0173 s\u0105lyg\u0173, tod\u0117l skirting\u0173 projekt\u0173 tik\u0117tina gr\u0105\u017ea gali reik\u0161mingai skirtis.<\/p>\n\n\n\n<p>Vienas did\u017eiausi\u0173 \u0161ios investavimo priemon\u0117s privalum\u0173 \u2013 galimyb\u0117 diversifikuoti portfel\u012f \u012f realiu turtu u\u017etikrintas paskolas, kuri\u0173 gr\u0105\u017ea da\u017enai ma\u017eiau koreliuoja su akcij\u0173 rink\u0173 svyravimais.<\/p>\n\n\n\n<p><strong>Svarbu:<\/strong> sutelktiniam finansavimui netaikomas ind\u0117li\u0173 draudimas, tod\u0117l rekomenduojama investicijas paskirstyti tarp keli\u0173 skirting\u0173 projekt\u0173, o ne investuoti vis\u0105 sum\u0105 \u012f vien\u0105 paskol\u0105.<\/p>\n\n\n\n<p>Pla\u010diau apie \u0161io investavimo modelio veikim\u0105, rizikas ir projekt\u0173 vertinim\u0105 skaitykite straipsnyje <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/kas-yra-sutelktinis-finansavimas\/\">Kas yra sutelktinis finansavimas ir kaip jis veikia?<\/a>\u201c<\/strong><\/p>\n\n\n\n<p>Prie\u0161 pasirenkant platform\u0105 verta palyginti jos licencij\u0105, projekt\u0173 atrank\u0105, u\u017etikrinimo priemones ir mokes\u010dius. Pla\u010diau \u2013 <strong>\u201e<a href=\"https:\/\/revestus.lt\/r\/blog\/sutelktinio-finansavimo-platformos-lietuvoje\/\">Sutelktinio finansavimo platformos Lietuvoje: kaip pasirinkti tinkam\u0105?<\/a>\u201c<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"norite-investuoti-i-nt-uztikrintas-verslo-paskolas\">Norite investuoti \u012f NT u\u017etikrintas verslo paskolas?<\/h3>\n\n\n\n<p>Jei ie\u0161kote alternatyvos tradiciniams investavimo b\u016bdams, per\u017ei\u016br\u0117kite \u0161iuo metu <strong><a href=\"http:\/\/www.revestus,lt\">Revestus<\/a><\/strong> platformoje finansuojamus projektus. Kiekvienam projektui pateikiama i\u0161sami informacija apie paskolos tiksl\u0105, u\u017estat\u0105, rizikas ir numatom\u0105 investicijos gr\u0105\u017e\u0105.<\/p>\n\n\n\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-f083e63\" id=\"gspb_button-id-gsbp-f083e63\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/revestus.lt\/\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\">Per\u017ei\u016br\u0117ti investavimo projektus<\/span><\/span><\/span><\/a><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"akcijos-ir-obligacijos-ka-reikia-zinoti-investuojant-1000-euru\"><strong><strong>Pavien\u0117s akcijos \u2013 ar verta investuoti turint 1000 eur\u0173?<\/strong><\/strong><\/h3>\n\n\n\n<p>Pavien\u0117s akcijos \u2014 viena rizikingesni\u0173 priemoni\u0173 su 1000 eur\u0173, nes vienos \u012fmon\u0117s akcij\u0173 kainai krintant prarandate proporcingai daugiau nei su diversifikuotu ETF. Jei vis tiek renkate atskiras akcijas \u2014 sandori\u0173 komisiniai reik\u0161mingai suma\u017eina gr\u0105\u017e\u0105 esant ma\u017eai sumai.<\/p>\n\n\n\n<p>Obligacijos \u2014 stabilesn\u0117 priemon\u0117 su nusp\u0117jama, bet \u017eemesne gr\u0105\u017ea (3\u20135 % per metus). Tinka prie konservatyvesnio portfelio arba trumpesniam investavimo horizontui.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"akcijos-ir-obligacijos-ka-reikia-zinoti-investuojant-1000-euru\"><strong><strong><strong>III pakopos pensij\u0173 fondai \u2014 investavimas su mokestine nauda<\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p>III pakopos pensij\u0173 fondai \u2014 da\u017enai ne\u012fvertinama galimyb\u0117 investuoti 1000 eur\u0173 su papildoma mokestine nauda. Gyventoj\u0173 pajam\u0173 mokes\u010dio (GPM) lengvata leid\u017eia susigr\u0105\u017einti dal\u012f \u012fmok\u0173 per metin\u0119 deklaracij\u0105. Tai efektyviai padidina reali\u0105 investavimo gr\u0105\u017e\u0105.<\/p>\n\n\n\n<p><strong>Pastaba:<\/strong> investicij\u0173 apmokestinimo taisykl\u0117s gali keistis, tod\u0117l prie\u0161 priimant investavimo sprendimus rekomenduojama pasitikrinti aktuali\u0105 informacij\u0105 VMI interneto svetain\u0117je.<\/p>\n\n\n\n<p>Tinka tiems, kuri\u0173 investavimo horizontas \u2014 10+ met\u0173 ir kurie nori ma\u017einti mokestin\u0119 na\u0161t\u0105.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"investavimo-platformu-palyginimas-lietuvoje\"><strong><strong>Kaip paskirstyti 1000 eur\u0173 pagal rizikos profil\u012f<\/strong><\/strong><\/h3>\n\n\n\n<p>\u0160is paskirstymas yra orientacinis pavyzdys. Konkretus investicij\u0173 paskirstymas tur\u0117t\u0173 priklausyti nuo j\u016bs\u0173 tiksl\u0173, investavimo laikotarpio ir rizikos tolerancijos.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><strong>Profilis<\/strong><\/strong><\/td><td><strong><strong>ETF<\/strong><\/strong><\/td><td><strong><strong>VTL \/ obligacijos<\/strong><\/strong><\/td><td><strong><strong>Sutelktinis finansavimas<\/strong><\/strong><\/td><td><strong><strong>Akcijos<\/strong><\/strong><\/td><\/tr><tr><td><strong>Konservatyvus<\/strong><\/td><td>40 % (400 \u20ac)<\/td><td>40 % (400 \u20ac)<\/td><td>10 % (100 \u20ac)<\/td><td>10 % (100 \u20ac)<\/td><\/tr><tr><td><strong>Vidutinis<\/strong><\/td><td>60 % (600 \u20ac)<\/td><td>20 % (200 \u20ac)<\/td><td>20 % (200 \u20ac)<\/td><td>\u2014<\/td><\/tr><tr><td><strong>Agresyvus<\/strong><\/td><td>60 % (600 \u20ac)<\/td><td>\u2014<\/td><td>30 % (200 \u20ac)<\/td><td>10 % (100 \u20ac)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Svarbu: net agresyvus profilis nerei\u0161kia \u201eviskas \u012f kriptovaliutas&#8221; \u2014 tai rei\u0161kia didesn\u0119 akcij\u0173 rinkos dal\u012f su supratimu, kad trumpuoju laikotarpiu vert\u0117 gali kristi 20\u201330 %.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kaip-1000-euru-auga-per-laika-sudetiniu-palukanu-pavyzdys\"><strong><strong>Kaip 1000 eur\u0173 auga per laik\u0105: sud\u0117tini\u0173 pal\u016bkan\u0173 pavyzdys<\/strong><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Metai<\/strong><\/td><td><strong>5 % gr\u0105\u017ea<\/strong><\/td><td><strong>8 % gr\u0105\u017ea<\/strong><\/td><td><strong>10 % gr\u0105\u017ea<\/strong><\/td><\/tr><tr><td><strong>Po 5 met\u0173<\/strong><\/td><td>1 276 \u20ac<\/td><td>1 469 \u20ac<\/td><td>1 611 \u20ac<\/td><\/tr><tr><td><strong>Po 10 met\u0173<\/strong><\/td><td>1 629 \u20ac<\/td><td>2 159 \u20ac<\/td><td>2 594 \u20ac<\/td><\/tr><tr><td><strong>Po 20 met\u0173<\/strong><\/td><td>2 653 \u20ac<\/td><td>4 661 \u20ac<\/td><td>6 727 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Svarbiausia i\u0161vada: laikas \u2014 galingiausias investuotojo \u012frankis. 1000 eur\u0173, investuot\u0173 \u0161iandien su 8% vidutine metine gr\u0105\u017ea, po 20 met\u0173 taps beveik 4 661 eur\u0173 \u2014 nieko nedarant, tik laikant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zingsnis-po-zingsnio-kaip-pradeti-investuoti-1000-euru-nuo-nulio\"><strong><strong>\u017dingsnis po \u017eingsnio: kaip prad\u0117ti investuoti 1000 eur\u0173 nuo nulio<\/strong><\/strong><\/h3>\n\n\n\n<p><strong>01 \u2014 Pasirinkite broker\u012f arba platform\u0105<\/strong> Pasirinkite licencijuot\u0105 broker\u012f arba banko investicin\u0119 s\u0105skait\u0105. Rinkdamiesi atkreipkite d\u0117mes\u012f \u012f komisinius, investavimo galimybes ir platformos naudojimo patogum\u0105. Sutelktiniam finansavimui \u2014 Lietuvos banko pri\u017ei\u016brimos platformos.<\/p>\n\n\n\n<p><strong>02 \u2014 Atidarykite investicin\u0119 s\u0105skait\u0105<\/strong> Registracija da\u017eniausiai trunka 10\u201330 minu\u010di\u0173 internetu. Reikalingas asmens tapatyb\u0117s dokumentas ir tapatyb\u0117s patvirtinimas. Kai kurie brokeriai suteikia prieig\u0105 per kelias valandas.<\/p>\n\n\n\n<p><strong>03 \u2014 Perveskite 1000 eur\u0173 ir pasirinkite priemon\u0119<\/strong> Jei renkate ETF \u2014 prad\u0117kite nuo vieno pla\u010diai diversifikuoto fondo (pvz., VWCE arba pan.). Jei renkate sutelktin\u012f finansavim\u0105 \u2014 investuokite dalimis \u012f kelis projektus, o ne vis\u0105 sum\u0105 \u012f vien\u0105 paskol\u0105.<\/p>\n\n\n\n<p><strong>04 \u2014 Taikykite DCA strategij\u0105<\/strong> DCA (angl. Dollar-Cost Averaging) \u2014 periodinio investavimo strategija. Vietoj to, kad investuotum\u0117te visus 1000 eur\u0173 i\u0161 karto, galite skaidyti: pvz., 200 \u20ac per m\u0117nes\u012f \u00d7 5 m\u0117nesius. Tai suma\u017eina rinkos svyravim\u0173 \u012ftak\u0105 ir psichologi\u0161kai lengviau i\u0161laikyti disciplin\u0105.<\/p>\n\n\n\n<p><strong>05 \u2014 Nesekite portfelio kasdien<\/strong> Did\u017eiausia pradedan\u010di\u0173j\u0173 klaida \u2014 emocinis reagavimas \u012f rinkos svyravimus. Jei investuosite ilgam \u2014 rinkos kriz\u0117s yra normali dalis. Istori\u0161kai kiekvienas kriz\u0117s \u017eemumas buvo \u012fveiktas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mokesciai-nuo-investiciju-lietuvoje-ka-reikia-zinoti\"><strong><strong>Mokes\u010diai nuo investicij\u0173 Lietuvoje: k\u0105 reikia \u017einoti<\/strong><\/strong><\/h3>\n\n\n\n<p>Tai tema, kurios beveik n\u0117 vienas lietuvi\u0161kas investavimo straipsnis neapr\u0117pia \u2014 o ji yra esmin\u0117 pradedantiesiems.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>GPM (15 %)<\/strong> \u2014 taikomas kapitalo prieaugiui (kai parduodate investicij\u0105 u\u017e daugiau nei pirkote) ir dividendams.<\/li>\n\n\n\n<li><strong>Neapmokestinamas dydis<\/strong> \u2014 yra nustatyta metin\u0117 riba, iki kurios kapitalo prieaugis neapmokestinamas (tikslinkite su VMI, nes dyd\u017eiai kei\u010diasi)<\/li>\n\n\n\n<li><strong>III pakopos fondai<\/strong> \u2014 GPM lengvata: iki tam tikros sumos per metus galima susigr\u0105\u017einti sumok\u0117t\u0105 GPM<\/li>\n\n\n\n<li><strong>Deklaravimas<\/strong> \u2014 investicij\u0173 pajamas reikia deklaruoti metin\u0117je GPM deklaracijoje. Kai kurie brokeriai (pvz., lietuvi\u0161ki bankai) automati\u0161kai i\u0161skai\u010diuoja mokes\u010dius \u2014 kit\u0173 atveju tai atliekate patys<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dazniausios-klaidos-investuojant-1000-euru-ir-kaip-ju-isvengti\"><strong><strong>Da\u017eniausios klaidos investuojant 1000 eur\u0173 ir kaip j\u0173 i\u0161vengti<\/strong><\/strong><\/h3>\n\n\n\n<p><strong>Per didelis diversifikavimas su ma\u017ea suma<\/strong> Su 1000 eur\u0173 nereikia pirkti 5 skirting\u0173 ETF arba investuoti \u012f 10 sutelktinio finansavimo projekt\u0173 po 100 eur\u0173. Sandori\u0173 ka\u0161tai ir komisiniai sunaikina gr\u0105\u017e\u0105. Vienas pla\u010diai diversifikuotas ETF jau savaime apima t\u016bkstan\u010dius \u012fmoni\u0173.<\/p>\n\n\n\n<p><strong>Emocinis sprendim\u0173 pri\u0117mimas<\/strong> \u201eAr atlaikysite, kai 1000 eur\u0173 taps 700 eur\u0173?&#8221; \u2014 tai realus klausimas, kur\u012f reikia u\u017eduoti sau prie\u0161 investuojant. Rink\u0173 kriz\u0117s yra nei\u0161vengiamos. Kas parduoda kriz\u0117s metu \u2014 fiksuoja nuostolius ir praleid\u017eia atsigavim\u0105.<\/p>\n\n\n\n<p><strong>Rinkos laikymas (timing)<\/strong> \u201ePalaukiu, kol rinka nukris&#8221; \u2014 viena da\u017eniausi\u0173 klaid\u0173. Statisti\u0161kai net profesionalai negali nuosekliai tiksliai numatyti rinkos judesi\u0173. DCA strategija eliminuoja \u0161i\u0105 problem\u0105.<\/p>\n\n\n\n<p><strong>Komisini\u0173 ir mokes\u010di\u0173 nepaisymas<\/strong> Brokerio komisiniai, valdymo mokes\u010diai (TER) ir GPM reik\u0161mingai veikia galutin\u0119 gr\u0105\u017e\u0105. Visada palyginkite reali\u0105 gr\u0105\u017e\u0105 po vis\u0173 mokes\u010di\u0173 ir komisini\u0173.<\/p>\n\n\n\n<p><strong>Investavimas be atsargos fondo<\/strong> Jei investuosite be finansin\u0117s pagalv\u0117s ir netik\u0117tai prireiks pinig\u0173 \u2014 gali tekti parduoti investicijas blogu metu ir patirti nuostoli\u0173.<\/p>\n\n\n\n<p>Investavimas visada tur\u0117t\u0173 b\u016bti pritaikytas individualiems tikslams, finansin\u0117ms galimyb\u0117ms ir rizikos tolerancijai. N\u0117ra vieno universalaus sprendimo, kuris tikt\u0173 visiems investuotojams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kur-investuoti-1000-euru-duk\"><strong><strong>Kur investuoti 1000 eur\u0173: DUK<\/strong><\/strong><\/h2>\n\n\n\n<section class=\"wp-block-greenshift-blocks-row alignfull gspb_row gspb_row-id-gsbp-a970617\" id=\"gspb_row-id-gsbp-a970617\"><div class=\"gspb_row__content\"> \n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--12 gspb_col-id-gsbp-0eb3189\" id=\"gspb_col-id-gsbp-0eb3189\">\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-0fda6cb\" id=\"gspb_accordion-id-gsbp-0fda6cb\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e941259 gsclose\" id=\"gspb_accordionitem-gsbp-e941259\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e941259\"><div class=\"gs-accordion-item__heading\"><strong>Ar verta investuoti, jei turiu tik 1000 eur\u0173?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar verta investuoti, jei turiu tik 1000 eur\u0173?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-0\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e941259\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Taip \u2014 1000 eur\u0173 yra pakankama suma prad\u0117ti. Svarbiausia s\u0105lyga: tur\u0117ti atsargos fond\u0105 ir netur\u0117ti dideli\u0173 pal\u016bkan\u0173 skol\u0173. Sud\u0117tin\u0117s pal\u016bkanos veikia net nuo ma\u017eos sumos \u2014 1000 eur\u0173 su 8 % gr\u0105\u017ea per 20 met\u0173 tampa beveik 4 661 eur\u0173 be papildom\u0173 investicij\u0173.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-09db811 gsclose\" id=\"gspb_accordionitem-gsbp-09db811\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-1\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-09db811\"><div class=\"gs-accordion-item__heading\"><strong>Koks yra geriausias b\u016bdas investuoti 1000 eur\u0173 pradedantiesiems?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Koks yra geriausias b\u016bdas investuoti 1000 eur\u0173 pradedantiesiems?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-1\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-09db811\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Pradedantiesiems rekomenduojamas vienas pla\u010diai diversifikuotas ETF fondas (pvz., VWCE arba S&amp;P 500 sekantis ETF) per pig\u0173 broker\u012f. Su ma\u017ea suma geriau nesiskaityti \u012f daug priemoni\u0173 \u2014 komisiniai ka\u0161tai proporcijai labai dideli.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-11dded8 gsclose\" id=\"gspb_accordionitem-gsbp-11dded8\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-2\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-11dded8\"><div class=\"gs-accordion-item__heading\"><strong>Ar tur\u0117\u010diau investuoti visus 1000 eur\u0173 i\u0161 karto, ar dalimis?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar tur\u0117\u010diau investuoti visus 1000 eur\u0173 i\u0161 karto, ar dalimis?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-2\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-11dded8\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Abu variantai veikia. Su 1000 eur\u0173 suma skirtumas bus minimalus, ta\u010diau DCA strategija (pvz., 200 \u20ac per m\u0117nes\u012f \u00d7 5 m\u0117nesius) padeda psichologi\u0161kai \u2014 investuojate reguliariai nepriklausomai nuo rinkos lygio. Tai ypa\u010d naudinga neramiais rinkos laikotarpiais.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e6eae37 gsclose\" id=\"gspb_accordionitem-gsbp-e6eae37\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-0fda6cb-3\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e6eae37\"><div class=\"gs-accordion-item__heading\"><strong>Kokie mokes\u010diai Lietuvoje taikomi investicij\u0173 pajamoms?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kokie mokes\u010diai Lietuvoje taikomi investicij\u0173 pajamoms?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-0fda6cb-3\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e6eae37\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Kapitalo prieaugis ir dividendai apmokestinami 15 % GPM. III pakopos pensij\u0173 fond\u0173 \u012fmokoms taikoma mokestin\u0117 lengvata. Investicij\u0173 pajamas reikia deklaruoti metin\u0117je GPM deklaracijoje. Tikslias ribas ir lengvatas rekomenduojame tikrinti su VMI, nes jos gali keistis.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordion gs-accordion gspb_accordion-id-gsbp-2c34fbb\" id=\"gspb_accordion-id-gsbp-2c34fbb\" itemscope itemtype=\"https:\/\/schema.org\/FAQPage\">\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-b42c1a3 gsclose\" id=\"gspb_accordionitem-gsbp-b42c1a3\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-2c34fbb-0\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-b42c1a3\"><div class=\"gs-accordion-item__heading\"><strong>Koki\u0105 gr\u0105\u017e\u0105 galima tik\u0117tis investavus 1000 eur\u0173?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Koki\u0105 gr\u0105\u017e\u0105 galima tik\u0117tis investavus 1000 eur\u0173?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-2c34fbb-0\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-b42c1a3\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Realisti\u0161ka ilgalaik\u0117 gr\u0105\u017ea: ETF fondai \u2014 istori\u0161kai 7\u201310 % per metus; vyriausyb\u0117s taupymo lak\u0161tai \u2014 3\u20135 %; sutelktinis finansavimas \u2014 7,5\u20139 %. Per 10 met\u0173 1000 eur\u0173 su 8 % gr\u0105\u017ea tapt\u0173 apie 2 159 eur\u0173. Persp\u0117jimas: niekas negali garantuoti gr\u0105\u017eos, o praeities rezultatai negarantuoja ateities.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-183c088 gsclose\" id=\"gspb_accordionitem-gsbp-183c088\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-2c34fbb-1\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-183c088\"><div class=\"gs-accordion-item__heading\"><strong>Ar saugu investuoti \u012f sutelktin\u012f finansavim\u0105 Lietuvoje?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Ar saugu investuoti \u012f sutelktin\u012f finansavim\u0105 Lietuvoje?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-2c34fbb-1\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-183c088\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Lietuvos banko pri\u017ei\u016brimos ECSP licencijuotos platformos \u2014 reguliuojamas ir skaidrus investavimo kanalas. Ta\u010diau sutelktinis finansavimas yra auk\u0161tesn\u0117s rizikos nei ETF ar VTL: investuoti pinigai negr\u0105\u017einami bet kada, o sutelktiniam finansavimui netaikoma ind\u0117li\u0173 draudimo apsauga. Diversifikacija \u2014 b\u016btina.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-e267a50 gsclose\" id=\"gspb_accordionitem-gsbp-e267a50\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-2c34fbb-2\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-e267a50\"><div class=\"gs-accordion-item__heading\"><strong>\u012e kiek investicini\u0173 priemoni\u0173 verta diversifikuoti investuojam\u0105 sum\u0105 turint 1000 eur\u0173?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;\u012e kiek investicini\u0173 priemoni\u0173 verta diversifikuoti investuojam\u0105 sum\u0105 turint 1000 eur\u0173?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-2c34fbb-2\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-e267a50\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>Su 1000 eur\u0173 rekomenduojamos \u012f <strong>1\u20133 investavimo priemones<\/strong>, priklausomai nuo pasirinkt\u0173 produkt\u0173 ir komisini\u0173. Vienas pla\u010diai diversifikuotas ETF jau savaime apima \u0161imtus ar t\u016bkstan\u010dius \u012fmoni\u0173. Per didelis skaidymas su ma\u017ea suma padidina komisini\u0173 ka\u0161tus ir komplikuoja valdym\u0105.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-greenshift-blocks-accordionitem gs-accordion-item gspb_accordionitem-gsbp-74e6cba gsclose\" id=\"gspb_accordionitem-gsbp-74e6cba\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><div id=\"gs-trigger-gsbp-2c34fbb-3\" class=\"gs-accordion-item__title\" aria-expanded=\"false\" role=\"button\" tabindex=\"0\" aria-controls=\"gspb-accordion-item-content-gsbp-74e6cba\"><div class=\"gs-accordion-item__heading\"><strong>Kur geriau investuoti 1000 eur\u0173 \u2014 \u012f kriptovaliutas ar ETF fondus?<\/strong><\/div><meta itemprop=\"name\" content=\"<strong&gt;Kur geriau investuoti 1000 eur\u0173 \u2014 \u012f kriptovaliutas ar ETF fondus?<\/strong&gt;\"\/><span class=\"iconfortoggle\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"15\" height=\"15\" viewBox=\"0 0 640 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M82 576h476c42.8 0 64.2 51.8 34 82l-238 238c-18.8 18.8-49.2 18.8-67.8 0l-238.2-238c-30.2-30.2-8.8-82 34-82z\"><\/path><\/svg><\/span><\/div><div aria-labelledby=\"gs-trigger-gsbp-2c34fbb-3\" class=\"gs-accordion-item__content\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\" id=\"gspb-accordion-item-content-gsbp-74e6cba\"><div class=\"gs-accordion-item__text\" itemprop=\"text\">\n<p>ETF fondai \u2014 ilgalaikis, istori\u0161kai pagr\u012fstas investavimo b\u016bdas su pla\u010dia diversifikacija. Kriptovaliutos \u2014 spekuliacin\u0117, itin nepastovi priemon\u0117 be fundamentalios vert\u0117s garantijos. Pradedantiesiems rekomenduojame ETF kaip pagrind\u0105. Kriptovaliutos \u2014 tik ma\u017ea portfelio dalis ir tik tiems, kurie supranta rizik\u0105 prarasti vis\u0105 investuot\u0105 sum\u0105.<\/p>\n<\/div><\/div><\/div>\n<\/div>\n<\/div>\n <\/div><\/section>\n\n\n\n<div><\/div>\n\n\n\n<p>Revestus \u2014 sutelktinio finansavimo platforma, teikianti investavimo \u012f verslo paskolas galimyb\u0119 su nekilnojamojo turto u\u017etikrinimu. Investuoti galima vos nuo 50 eur\u0173. Revestus turi ECSP licencija, o jos veikl\u0105 pri\u017ei\u016bri <a href=\"https:\/\/www.lb.lt\/lt\/finansu-rinku-dalyviai\/uab-sutelktinio-finansavimo-platforma-revestus\" target=\"_blank\" rel=\"noopener\">Lietuvos bankas<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"svarbi-informacija\">Svarbi informacija<\/h2>\n\n\n\n<p>Investavimas yra susij\u0119s su rizika. Investuotojai gali prarasti dal\u012f arba vis\u0105 investuot\u0105 sum\u0105. Istoriniai rezultatai negarantuoja rezultat\u0173 ateityje. Prie\u0161 priimdami investavimo sprendim\u0105, atid\u017eiai \u012fvertinkite savo finansines galimybes, investavimo tikslus ir susipa\u017einkite su konkretaus produkto ar projekto rizikomis.<\/p>\n\n\n                <div class=\"ml-embedded\" data-form=\"ESJW2J\"><\/div>\n            \n","protected":false},"excerpt":{"rendered":"<p>1000 eur\u0173 \u2014 tai suma, su kuria jau galima prad\u0117ti investuoti rimtai. Ne per ma\u017ea, ne per didel\u0117. Ta\u010diau prie\u0161 pasirenkant, kur investuoti 1000 eur\u0173, svarbu atsakyti \u012f kelis klausimus: ar turite atsargos fond\u0105? Ar turite dideli\u0173 pal\u016bkan\u0173 skol\u0173? Koks j\u016bs\u0173 investavimo horizontas? \u0160iame gide rasite visk\u0105 \u2014 nuo investavimo priemoni\u0173 palyginimo iki konkretaus \u017eingsnis [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1057,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_gspb_post_css":"#gspb_image-id-gsbp-1d3eb57 img{vertical-align:top;display:inline-block;box-sizing:border-box;max-width:100%;height:auto}#gspb_button-id-gsbp-f083e63{display:flex;justify-content:flex-start}#gspb_button-id-gsbp-f083e63 .gspb-buttonbox-text{display:flex;flex-direction:column}#gspb_button-id-gsbp-f083e63>.gspb-buttonbox,div[id^=gspb_col-id]{box-sizing:border-box}#gspb_row-id-gsbp-a970617{justify-content:space-between;margin-top:0;margin-bottom:0;display:flex;flex-wrap:wrap}#gspb_row-id-gsbp-a970617>.gspb_row__content{display:flex;justify-content:space-between;margin:0 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