{"id":2604,"date":"2024-04-18T12:20:41","date_gmt":"2024-04-18T12:20:41","guid":{"rendered":"https:\/\/blog.spbinvest.hu\/?p=2604"},"modified":"2024-04-18T12:26:54","modified_gmt":"2024-04-18T12:26:54","slug":"10-feletti-hozam-potencialt-is-kinalhatnak-devizaban-ezek-az-allampapirok","status":"publish","type":"post","link":"https:\/\/blog.spbinvest.hu\/?p=2604","title":{"rendered":"10% feletti hozam-potenci\u00e1lt is k\u00edn\u00e1lhatnak deviz\u00e1ban ezek az \u00e1llampap\u00edrok"},"content":{"rendered":"<p><strong>A recesszi\u00f3 vesz\u00e9lye id\u00e9n is meghat\u00e1roz\u00f3 lehet majd a glob\u00e1lis t\u0151kepiacok alakul\u00e1s\u00e1ra, ez\u00e9rt a befektet\u0151knek aj\u00e1nlott konzervat\u00edvabb strat\u00e9gi\u00e1t k\u00f6vetni\u00fck, \u00e9s ak\u00e1r 80-20 sz\u00e1zal\u00e9kos ar\u00e1nyban is fel\u00fcls\u00falyozniuk a k\u00f6tv\u00e9nyeket a r\u00e9szv\u00e9nyekkel szemben. Ez m\u00e1r csak az\u00e9rt is c\u00e9lszer\u0171, mert a k\u00f6tv\u00e9nyekkel is sz\u00e9p hozamokat lehet el\u00e9rni: az SPB p\u00e9ld\u00e1ul \u2013 f\u0151k\u00e9nt a k\u00f6tv\u00e9nybefektet\u00e9seknek k\u00f6sz\u00f6nhet\u0151en \u2013 tavaly \u00e1tlagosan 8 sz\u00e1zal\u00e9k k\u00f6r\u00fcli hozamot produk\u00e1lt deviz\u00e1ban. Az SPB priv\u00e1tbank\u00e1rai el\u00e1rult\u00e1k, melyek most a legkeresettebb deviz\u00e1s \u00e1llamk\u00f6tv\u00e9nyek az \u00fcgyfeleik k\u00f6r\u00e9ben.<\/strong><\/p>\n<p>Mivel az \u00fcgyfelek els\u0151sorban a deviz\u00e1s k\u00f6tv\u00e9nyeket keresik, ez\u00e9rt ebben a cikkben az eur\u00f3ban \u00e9s doll\u00e1rban denomin\u00e1lt k\u00fclf\u00f6ldi \u00e1llampap\u00edrokat vessz\u00fck g\u00f3rcs\u0151 al\u00e1, a k\u00f6vetkez\u0151kben pedig a v\u00e1llalati k\u00f6tv\u00e9nyeket fogjuk megvizsg\u00e1lni. A k\u00e9s\u0151bbiekben azonban a forintban \u00e9s deviz\u00e1ban kibocs\u00e1tott hazai \u00e1llampap\u00edrokat \u00e9s v\u00e1llalati k\u00f6tv\u00e9nyeket is bemutatjuk majd.<\/p>\n<p><strong>Nyugatabbra igazi csemeg\u00e9ket k\u00edn\u00e1l az \u00e1llampap\u00edrpiac<\/strong><\/p>\n<p>Az \u00e1llampap\u00edrokat prefer\u00e1l\u00f3 befektet\u0151k sz\u00e1m\u00e1ra val\u00f3di \u00ednyencs\u00e9geket k\u00edn\u00e1lnak a k\u00f6rnyez\u0151 orsz\u00e1gok.<\/p>\n<p>Els\u0151k\u00e9nt \u00e9rdemes kiemelni a 2120-ban lej\u00e1r\u00f3, 0,85 sz\u00e1zal\u00e9kos kamatoz\u00e1s\u00fa osztr\u00e1k \u00e1llampap\u00edrt, amely igaz\u00e1n j\u00f3 c\u00e9lpont lehet az \u00e1rfolyamnyeres\u00e9gre vad\u00e1sz\u00f3 \u00fcgyfelek sz\u00e1m\u00e1ra. A 100 \u00e9ves futamidej\u0171, AA+-os min\u0151s\u00edt\u00e9s\u0171 pap\u00edr \u00e1rfolyama a 2020-as kibocs\u00e1t\u00e1sa ut\u00e1n a n\u00e9v\u00e9rt\u00e9ke 100 sz\u00e1zal\u00e9k\u00e1r\u00f3l 140 sz\u00e1zal\u00e9kra k\u00faszott fel, tavaly viszont a 35-40 sz\u00e1zal\u00e9k\u00e1n volt el\u00e9rhet\u0151 amiatt, hogy \u00e1tmenetileg elad\u00f3i nyom\u00e1s al\u00e1 ker\u00fcltek a k\u00f6tv\u00e9nypiacok. A hosszabb lej\u00e1rat\u00fa pap\u00edr ink\u00e1bb a kock\u00e1zatkeres\u0151bb befektet\u0151k sz\u00e1m\u00e1ra aj\u00e1nlhat\u00f3, azonban ez az \u00e1rfolyam-potenci\u00e1lj\u00e1ban is t\u00fckr\u00f6z\u0151dik: kedvez\u0151 piaci k\u00f6rnyezetben a jelenlegi szintekr\u0151l ak\u00e1r 50-70 sz\u00e1zal\u00e9kkal is fel\u00e9rt\u00e9kel\u0151dhet. Az osztr\u00e1k \u00e1llampap\u00edr 1000\/1000 eur\u00f3s keresked\u00e9si mennyis\u00e9ge miatt a kisbefektet\u0151k k\u00f6r\u00e9ben is keresett.<\/p>\n<p>Ha m\u00e9g egy kicsit nyugatabbra tekint\u00fcnk, vonz\u00f3 befektet\u00e9si lehet\u0151s\u00e9get k\u00edn\u00e1l a francia piac is: azon befektet\u0151knek, akik a harmadik negyed\u00e9vt\u0151l v\u00e1rt EKB-kamatcs\u00f6kkent\u00e9sekben b\u00edznak, \u00e9rdemes alaposabban szem\u00fcgyre venni\u00fck a 2060-as lej\u00e1rat\u00fa, 4 sz\u00e1zal\u00e9kos kamatoz\u00e1s\u00fa francia \u00e1llamk\u00f6tv\u00e9nyt. Ennek \u00e1rfolyama az EKB 2022 j\u00falius\u00e1ban megkezdett kamatemel\u00e9sei el\u0151tt a n\u00e9v\u00e9rt\u00e9ke 240 sz\u00e1zal\u00e9k\u00e1ra is felment. Ha beindul a kamatcs\u00f6kkent\u00e9s, akkor egy \u00e9ven bel\u00fcl ak\u00e1r 30-40 sz\u00e1zal\u00e9kos \u00e1rfolyam-emelked\u00e9st is produk\u00e1lhat a pap\u00edr, amely egy\u00e9bk\u00e9nt m\u00e1r tavaly is 8-10 sz\u00e1zal\u00e9kkal \u00e9rt\u00e9kel\u0151d\u00f6tt fel.<\/p>\n<p><strong>Keleti szomsz\u00e9dunkn\u00e1l is van keresnival\u00f3nk<\/strong><\/p>\n<p>Akik a jegybanki alapkamat\u00a0idei \u00e9vben v\u00e1rhat\u00f3 cs\u00f6kken\u00e9s\u00e9re spekul\u00e1lnak, azok a rom\u00e1n \u00e1llamk\u00f6tv\u00e9nyek k\u00f6z\u00f6tt is attrakt\u00edv befektet\u00e9seket tal\u00e1lhatnak. Szomsz\u00e9dunkn\u00e1l p\u00e9ld\u00e1ul a 2039-ben lej\u00e1r\u00f3, eur\u00f3s \u00e1llampap\u00edr \u00e1rfolyama tavaly 16 sz\u00e1zal\u00e9kos fel\u00e9rt\u00e9kel\u0151d\u00e9st produk\u00e1lt. A 4 sz\u00e1zal\u00e9k felett kamatoz\u00f3 \u00e1llampap\u00edr a jelent\u0151s emelked\u00e9s ellen\u00e9re id\u00e9n is kecsegtet\u0151 lehet a k\u00f6tv\u00e9nybefektet\u00e9sek kedvel\u0151i sz\u00e1m\u00e1ra. Egy m\u00e1sik, az \u00fcgyfelek k\u00f6r\u00e9ben igen n\u00e9pszer\u0171 rom\u00e1n pap\u00edr az egy \u00e9ve kibocs\u00e1tott \u00e9s 2053-ban lej\u00e1r\u00f3 amerikai doll\u00e1ros \u00e1llamk\u00f6tv\u00e9ny, amely 7,625 sz\u00e1zal\u00e9kot fizet. Ezt a m\u00e1sodpiacon 110 sz\u00e1zal\u00e9kos \u00e1rfolyamon lehet megv\u00e1s\u00e1rolni, amelyhez 6,82 sz\u00e1zal\u00e9kos hozam p\u00e1rosul.<\/p>\n<p>A t\u00e1volabbi lej\u00e1rat\u00fa \u00e1llampap\u00edrok eset\u00e9ben fontos megjegyezni, hogy nem sz\u00fcks\u00e9ges lej\u00e1ratig tartani az \u00e9rt\u00e9kpap\u00edrokat, ugyanis likvidit\u00e1suknak k\u00f6sz\u00f6nhet\u0151en a futamid\u0151 alatt az aktu\u00e1lis piaci \u00e1rfolyamukon b\u00e1rmikor \u00e9rt\u00e9kes\u00edthet\u0151k.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A recesszi\u00f3 vesz\u00e9lye id\u00e9n is meghat\u00e1roz\u00f3 lehet majd a glob\u00e1lis t\u0151kepiacok alakul\u00e1s\u00e1ra, ez\u00e9rt a befektet\u0151knek aj\u00e1nlott konzervat\u00edvabb strat\u00e9gi\u00e1t k\u00f6vetni\u00fck, \u00e9s ak\u00e1r 80-20 sz\u00e1zal\u00e9kos ar\u00e1nyban is fel\u00fcls\u00falyozniuk a k\u00f6tv\u00e9nyeket a r\u00e9szv\u00e9nyekkel szemben. Ez m\u00e1r csak az\u00e9rt is c\u00e9lszer\u0171, mert a k\u00f6tv\u00e9nyekkel is sz\u00e9p hozamokat lehet el\u00e9rni: az SPB p\u00e9ld\u00e1ul \u2013 f\u0151k\u00e9nt a k\u00f6tv\u00e9nybefektet\u00e9seknek k\u00f6sz\u00f6nhet\u0151en \u2013 tavaly&#8230;<\/p>\n","protected":false},"author":1,"featured_media":2607,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36,52],"tags":[],"class_list":["post-2604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allampapir","category-portfolioblogger"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>10% feletti hozam-potenci\u00e1lt is k\u00edn\u00e1lhatnak deviz\u00e1ban ezek az \u00e1llampap\u00edrok - SPB Blog<\/title>\n<meta name=\"description\" content=\"A recesszi\u00f3 vesz\u00e9lye id\u00e9n is meghat\u00e1roz\u00f3 lehet majd a glob\u00e1lis t\u0151kepiacok alakul\u00e1s\u00e1ra, ez\u00e9rt a befektet\u0151knek aj\u00e1nlott konzervat\u00edvabb strat\u00e9gi\u00e1t k\u00f6vetni\u00fck, \u00e9s ak\u00e1r 80-20 sz\u00e1zal\u00e9kos ar\u00e1nyban is fel\u00fcls\u00falyozniuk a k\u00f6tv\u00e9nyeket a r\u00e9szv\u00e9nyekkel szemben. Ez m\u00e1r csak az\u00e9rt is c\u00e9lszer\u0171, mert a k\u00f6tv\u00e9nyekkel is sz\u00e9p hozamokat lehet el\u00e9rni: az SPB p\u00e9ld\u00e1ul \u2013 f\u0151k\u00e9nt a k\u00f6tv\u00e9nybefektet\u00e9seknek k\u00f6sz\u00f6nhet\u0151en \u2013 tavaly \u00e1tlagosan 8 sz\u00e1zal\u00e9k k\u00f6r\u00fcli hozamot produk\u00e1lt deviz\u00e1ban. Az SPB priv\u00e1tbank\u00e1rai el\u00e1rult\u00e1k, melyek most a legkeresettebb deviz\u00e1s \u00e1llamk\u00f6tv\u00e9nyek az \u00fcgyfeleik k\u00f6r\u00e9ben.\" \/>\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=2604\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10% feletti hozam-potenci\u00e1lt is k\u00edn\u00e1lhatnak deviz\u00e1ban ezek az \u00e1llampap\u00edrok\" \/>\n<meta property=\"og:description\" content=\"A recesszi\u00f3 vesz\u00e9lye id\u00e9n is meghat\u00e1roz\u00f3 lehet majd a glob\u00e1lis t\u0151kepiacok alakul\u00e1s\u00e1ra, ez\u00e9rt a befektet\u0151knek aj\u00e1nlott konzervat\u00edvabb strat\u00e9gi\u00e1t k\u00f6vetni\u00fck, \u00e9s ak\u00e1r 80-20 sz\u00e1zal\u00e9kos ar\u00e1nyban is fel\u00fcls\u00falyozniuk a k\u00f6tv\u00e9nyeket a r\u00e9szv\u00e9nyekkel szemben. Ez m\u00e1r csak az\u00e9rt is c\u00e9lszer\u0171, mert a k\u00f6tv\u00e9nyekkel is sz\u00e9p hozamokat lehet el\u00e9rni: az SPB p\u00e9ld\u00e1ul \u2013 f\u0151k\u00e9nt a k\u00f6tv\u00e9nybefektet\u00e9seknek k\u00f6sz\u00f6nhet\u0151en \u2013 tavaly \u00e1tlagosan 8 sz\u00e1zal\u00e9k k\u00f6r\u00fcli hozamot produk\u00e1lt deviz\u00e1ban. 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