{"id":1421,"date":"2022-08-27T06:13:53","date_gmt":"2022-08-27T06:13:53","guid":{"rendered":"https:\/\/blog.spbinvest.hu\/?p=1421"},"modified":"2022-08-27T06:16:23","modified_gmt":"2022-08-27T06:16:23","slug":"certifikat-a-tokepiac-magasiskolaja","status":"publish","type":"post","link":"https:\/\/blog.spbinvest.hu\/?p=1421","title":{"rendered":"Certifik\u00e1t: a t\u0151kepiac magasiskol\u00e1ja"},"content":{"rendered":"

Certifik\u00e1tba fektetni kicsit olyan, mint a l\u00f3verseny, csak itt p\u00e9ld\u00e1ul egy term\u00e9kre vagy indexre tesz\u00fcnk t\u00e9tet.<\/p>\n

Az elm\u00falt \u00e9vekben igen n\u00e9pszer\u0171v\u00e9 v\u00e1ltak priv\u00e1tbanki \u00fcgyfeleink k\u00f6r\u00e9ben az \u00fagynevezett certifik\u00e1tok. Ezeknek a p\u00e9nzint\u00e9zetek \u00e1ltal kibocs\u00e1tott struktur\u00e1lt \u00e9rt\u00e9kpap\u00edroknak a hozama valamilyen m\u00f6g\u00f6ttes term\u00e9k, p\u00e9ld\u00e1ul egy index, egy \u00e1rut\u0151zsdei cikk vagy egy r\u00e9szv\u00e9ny \u00e1rfolyamv\u00e1ltoz\u00e1s\u00e1t\u00f3l f\u00fcgg.<\/p>\n

\"\"<\/p>\n

A certifik\u00e1tok n\u00e9pszer\u0171ek, mert a mag\u00e1nbefektet\u0151k is kereskedhetnek vel\u00fck azokon a magasabb hozampotenci\u00e1l\u00fa piacokon, amelyek kor\u00e1bban csak a szakmai befektet\u0151k sz\u00e1m\u00e1ra voltak el\u00e9rhet\u0151k.<\/p>\n

E rendk\u00edv\u00fcl keresett befektet\u00e9si eszk\u00f6zr\u0151l k\u00f6nnyebb lenne k\u00f6nyvet \u00edrni, mint egy r\u00f6vid cikket, m\u00e9gis, az els\u0151 sikeres saj\u00e1t kibocs\u00e1t\u00e1s\u00fa certifik\u00e1ton t\u00fal jogos az ig\u00e9ny, hogy e has\u00e1bokon is foglalkozzunk a t\u00e9m\u00e1val.<\/p>\n

De mi is ez a befektet\u00e9si eszk\u00f6z? Sz\u00f3 szerint leford\u00edtva: tan\u00fas\u00edtv\u00e1ny. M\u0171szakilag ez a ford\u00edt\u00e1s helyt\u00e1ll\u00f3 is, de a t\u0151kepiacon m\u00e1r nem annyira. Az angolsz\u00e1sz jog alapj\u00e1n l\u00e9nyeg\u00e9ben egy 1989 \u00f3ta ismert struktur\u00e1lt term\u00e9kr\u0151l van sz\u00f3, amelynek ma m\u00e1r nagyon sok fajt\u00e1ja l\u00e9tezik, gyakorlatilag b\u00e1rmilyen piaci helyzetre vagy v\u00e1rakoz\u00e1sra \u00f6ssze lehet \u00e1ll\u00edtani a megfelel\u0151 term\u00e9ket.<\/p>\n

Itthon nehezebb a certifik\u00e1tok m\u00faltj\u00e1r\u00f3l besz\u00e9lni, legink\u00e1bb a bankok z\u00e1rt v\u00e9g\u0171 befektet\u00e9si alapjai hasonl\u00edtanak hozz\u00e1juk.<\/p>\n

A certifik\u00e1tok teh\u00e1t \u00e9rt\u00e9kpap\u00edros\u00edtott sz\u00e1rmaztatott term\u00e9kek, amelyekkel mindig a kibocs\u00e1t\u00f3 kock\u00e1zat\u00e1t futjuk, \u00e9s nem k\u00f6zvetlen az alapterm\u00e9k\u00e9t vagy a forgalmaz\u00f3\u00e9t. Ez\u00e9rt \u00e1ltal\u00e1ban csak nagy piaci szerepl\u0151k bocs\u00e1tanak ki certifik\u00e1tokat, p\u00e9ld\u00e1ul a Goldman Sachs, a Citibank, a Soci\u00e9t\u00e9 G\u00e9n\u00e9rale, a BNP Paribas, a Cr\u00e9dit Suisse, a Raiffeisen Centrobank vagy az Erste Bank.<\/p>\n

A digit\u00e1lis fejl\u0151d\u00e9s egyre kacif\u00e1ntosabb term\u00e9kek el\u0151\u00e1ll\u00edt\u00e1s\u00e1t engedi meg, \u00edgy\u00a0 rengeteg opci\u00f3t lehet becsomagolni egy certifik\u00e1tba,\u00a0egy dolog azonban v\u00e1ltozatlan: ha elindult, akkor a futamid\u0151t \u00e9s minden lehets\u00e9ges kimenetelt ismer\u00fcnk. Kicsit olyan, mint a l\u00f3verseny, csak itt p\u00e9ld\u00e1ul egy term\u00e9kre vagy indexre tesz\u00fcnk t\u00e9tet.<\/p>\n

Ha p\u00e9ld\u00e1ul b\u00edzunk a n\u00e9met pr\u00e9mium aut\u00f3iparban, \u00e9s biztosak vagyunk benne, hogy a k\u00f6vetkez\u0151 \u00e9vekben ak\u00e1r 50 sz\u00e1zal\u00e9kot is emelkedik a szektor r\u00e9szv\u00e9nyeinek \u00e1rfolyama, akkor term\u00e9szetesen nem \u00e9rdemes certifik\u00e1tot venni, azonban ha a pap\u00edrok kisebb m\u00e9rt\u00e9k\u0171 emelked\u00e9se \u2013 vagy ak\u00e1r \u00e1rfolyamcs\u00f6kken\u00e9se \u2013 eset\u00e9n is szeretn\u00e9nk 11 sz\u00e1zal\u00e9k hozamra szert tenni, akkor p\u00e9ld\u00e1ul egy k\u00e9t\u00e9ves expressz certifik\u00e1t a megfelel\u0151 eszk\u00f6z, amit az SPB k\u00fclf\u00f6ldi partnereivel augusztusban sikeresen kibocs\u00e1tott.<\/p>\n

\"\"<\/p>\n

\n

Index, expressz, memory, b\u00f3nusz, diszkont, autocall, k\u00fcsz\u00f6b \u2013 a certifik\u00e1tokkal kapcsolatos szakkifejez\u00e9sek sora hosszan folytathat\u00f3.<\/p>\n<\/div>\n

Az alapterm\u00e9k lehet egy index, egy vagy t\u00f6bb r\u00e9szv\u00e9ny, egy deviza vagy ak\u00e1r egy nyersanyag is. Befektet\u00e9si form\u00e1ra tekintettel lehetnek t\u0151ke-, illetve r\u00e9szben t\u0151kev\u00e9dett term\u00e9kek, fix lej\u00e1rattal vagy ak\u00e1r t\u0151ke\u00e1tt\u00e9teles ki\u00fct\u00e9si szinttel rendelkez\u0151 certifik\u00e1tok. A lehet\u0151s\u00e9gek sz\u00e1ma szinte v\u00e9gtelen: jelenleg egymilli\u00f3 k\u00fcl\u00f6nb\u00f6z\u0151 certifik\u00e1ttal lehet h\u00e1romezerf\u00e9le alapterm\u00e9kre kereskedni, r\u00e1ad\u00e1sul ez a sz\u00e1m m\u00e9g tov\u00e1bb n\u0151het.<\/p>\n

Az elm\u00falt id\u0151szakban l\u00e1tott volatilit\u00e1s miatt \u00fajra n\u00e9pszer\u0171 term\u00e9k lett a t\u0151kev\u00e9dett certifik\u00e1t, amely k\u00e9t vagy h\u00e1rom \u00e9v m\u00falva a t\u0151k\u00e9nk visszafizet\u00e9s\u00e9t garant\u00e1lja, \u00e9s ha \u00fagy fejl\u0151dik a piac, ahogy az v\u00e1rhat\u00f3, akkor jelent\u0151s hozamra is szert lehet tenni ezekkel.<\/p>\n

Egyre t\u00f6bb befektet\u0151 nyitott a certifik\u00e1tokra, amelyekkel kil\u00e9pnek ugyan a biztons\u00e1g komfortz\u00f3n\u00e1j\u00e1b\u00f3l, ugyanakkor m\u00e9gsem v\u00e1llalj\u00e1k egy egyedi r\u00e9szv\u00e9ny kock\u00e1zat\u00e1t. Ezek<\/p>\n

\n

j\u00f3 \u00e1tmenetet k\u00edn\u00e1lnak teh\u00e1t az alacsony kock\u00e1zat \u00e9s a t\u0151zsd\u00e9z\u00e9s k\u00f6z\u00f6tt,<\/p>\n<\/div>\n

nem v\u00e9letlen, hogy az SPB szeptemberben egy k\u00e9t\u00e9ves, t\u0151ke- \u00e9s hozamv\u00e9dett, forintalap\u00fa certifik\u00e1tkibocs\u00e1t\u00e1st tervez. Van azonban m\u00e9g hov\u00e1 fejl\u0151dni: m\u00e9g N\u00e9metorsz\u00e1gban a 7,1 ezermilli\u00e1rd eur\u00f3s h\u00e1ztart\u00e1si megtakar\u00edt\u00e1soknak csup\u00e1n 1 sz\u00e1zal\u00e9ka van certifik\u00e1tokban, m\u00edg p\u00e9ld\u00e1ul a r\u00e9szv\u00e9nyek ar\u00e1nya 7,4 sz\u00e1zal\u00e9kos.<\/p>\n

Szerz\u0151: Doernbrack Sven, az SPB Befektet\u00e9si Zrt. vezet\u0151 priv\u00e1tbank\u00e1ra<\/p>\n

Forr\u00e1s: https:\/\/www.vg.hu\/penz-es-tokepiac\/2022\/08\/certifikat-a-tokepiac-magasiskolaja<\/a><\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

Certifik\u00e1tba fektetni kicsit olyan, mint a l\u00f3verseny, csak itt p\u00e9ld\u00e1ul egy term\u00e9kre vagy indexre tesz\u00fcnk t\u00e9tet. Az elm\u00falt \u00e9vekben igen n\u00e9pszer\u0171v\u00e9 v\u00e1ltak priv\u00e1tbanki \u00fcgyfeleink k\u00f6r\u00e9ben az \u00fagynevezett certifik\u00e1tok. Ezeknek a p\u00e9nzint\u00e9zetek \u00e1ltal kibocs\u00e1tott struktur\u00e1lt \u00e9rt\u00e9kpap\u00edroknak a hozama valamilyen m\u00f6g\u00f6ttes term\u00e9k, p\u00e9ld\u00e1ul egy index, egy \u00e1rut\u0151zsdei cikk vagy egy r\u00e9szv\u00e9ny \u00e1rfolyamv\u00e1ltoz\u00e1s\u00e1t\u00f3l f\u00fcgg. A certifik\u00e1tok n\u00e9pszer\u0171ek, mert…<\/p>\n","protected":false},"author":1,"featured_media":1424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28,32,30,5,24],"tags":[],"class_list":["post-1421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-befektetes","category-certifikat","category-investment","category-lifestyle","category-spb"],"yoast_head":"\nCertifik\u00e1t: a t\u0151kepiac magasiskol\u00e1ja - SPB Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.spbinvest.hu\/?p=1421\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Certifik\u00e1t: a t\u0151kepiac magasiskol\u00e1ja - SPB Blog\" \/>\n<meta property=\"og:description\" content=\"Certifik\u00e1tba fektetni kicsit olyan, mint a l\u00f3verseny, csak itt p\u00e9ld\u00e1ul egy term\u00e9kre vagy indexre tesz\u00fcnk t\u00e9tet. 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Az elm\u00falt \u00e9vekben igen n\u00e9pszer\u0171v\u00e9 v\u00e1ltak priv\u00e1tbanki \u00fcgyfeleink k\u00f6r\u00e9ben az \u00fagynevezett certifik\u00e1tok. Ezeknek a p\u00e9nzint\u00e9zetek \u00e1ltal kibocs\u00e1tott struktur\u00e1lt \u00e9rt\u00e9kpap\u00edroknak a hozama valamilyen m\u00f6g\u00f6ttes term\u00e9k, p\u00e9ld\u00e1ul egy index, egy \u00e1rut\u0151zsdei cikk vagy egy r\u00e9szv\u00e9ny \u00e1rfolyamv\u00e1ltoz\u00e1s\u00e1t\u00f3l f\u00fcgg. A certifik\u00e1tok n\u00e9pszer\u0171ek, mert...","og_url":"https:\/\/blog.spbinvest.hu\/?p=1421","og_site_name":"SPB Blog","article_published_time":"2022-08-27T06:13:53+00:00","article_modified_time":"2022-08-27T06:16:23+00:00","og_image":[{"width":609,"height":305,"url":"https:\/\/blog.spbinvest.hu\/wp-content\/uploads\/2022\/08\/spb.png","type":"image\/png"}],"author":"SPB","twitter_card":"summary_large_image","twitter_misc":{"Szerz\u0151:":"SPB","Becs\u00fclt olvas\u00e1si id\u0151":"4 perc"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.spbinvest.hu\/?p=1421#article","isPartOf":{"@id":"https:\/\/blog.spbinvest.hu\/?p=1421"},"author":{"name":"SPB","@id":"https:\/\/blog.spbinvest.hu\/#\/schema\/person\/d5af847b20d61bf27bae3db50d6247f7"},"headline":"Certifik\u00e1t: a t\u0151kepiac magasiskol\u00e1ja","datePublished":"2022-08-27T06:13:53+00:00","dateModified":"2022-08-27T06:16:23+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.spbinvest.hu\/?p=1421"},"wordCount":835,"image":{"@id":"https:\/\/blog.spbinvest.hu\/?p=1421#primaryimage"},"thumbnailUrl":"https:\/\/blog.spbinvest.hu\/wp-content\/uploads\/2022\/08\/spb.png","articleSection":["Befektet\u00e9s","Certifik\u00e1t","Investment","Lifestyle","SPB"],"inLanguage":"hu"},{"@type":"WebPage","@id":"https:\/\/blog.spbinvest.hu\/?p=1421","url":"https:\/\/blog.spbinvest.hu\/?p=1421","name":"Certifik\u00e1t: a t\u0151kepiac magasiskol\u00e1ja - 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