{"id":22333,"date":"2025-03-12T00:37:30","date_gmt":"2025-03-11T22:37:30","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/investment-risk\/"},"modified":"2025-10-03T04:10:07","modified_gmt":"2025-10-03T02:10:07","slug":"ieguldijums-risks","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/ieguldijums-risks\/","title":{"rendered":"Kas ir invest\u012bciju risks un k\u0101p\u0113c tas ir labs?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22333\" class=\"elementor elementor-22333 elementor-15666\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kas ce\u013cas, tas ar\u012b kr\u012bt, vai ne? \u0160eit ir izskaidrots, k\u0101p\u0113c invest\u012bciju riska izpratne var pal\u012bdz\u0113t jums veikt lab\u0101kas invest\u012bcijas.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk.png\" class=\"attachment-full size-full wp-image-21570\" alt=\"Galddators un t\u0101lrunis ar grafikiem uz tiem\" srcset=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk.png 2240w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-300x169.png 300w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-1024x576.png 1024w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-768x432.png 768w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-1536x864.png 1536w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-2048x1152.png 2048w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><b>Kas ir invest\u012bciju risks un k\u0101p\u0113c tas ir labs?<\/b><\/h1><p>Invest\u012bciju risks izklaus\u0101s bied\u0113jo\u0161i, vai ne? Jebkas, kas satur v\u0101rdu \u201erisks\u201d, ir, atz\u012bsimies, nedaudz atbaido\u0161s.<\/p><p>K\u0101p\u0113c j\u016bs grib\u0113tu dar\u012bt kaut ko, kas saist\u012bts ar risku?<\/p><p>Tom\u0113r m\u0113s sastopamies ar risku ik dienas, un invest\u012bciju risks nav nekas \u012bpa\u0161s. Tas paties\u012bb\u0101 ir \u013coti labs.<\/p><p>Bet vispirms \u2013 s\u012bk\u0101ka inform\u0101cija. Pirms iedzi\u013cin\u0101ties deta\u013c\u0101s, ir svar\u012bgi defin\u0113t, ko j\u016bs v\u0113laties sasniegt ar invest\u012bcij\u0101m, piem\u0113ram, uzkr\u0101t pensijai vai palielin\u0101t savu bag\u0101t\u012bbu.<\/p><p>\u0160is raksts var sniegt jums noder\u012bgus padomus par invest\u012bciju risku. Ta\u010du tas nav person\u012bgs padoms.<\/p><p>Tas nesniegs jums konkr\u0113tus piem\u0113rus par riskant\u0101m un neriskant\u0101m invest\u012bcij\u0101m. Ja neesat p\u0101rliecin\u0101ts, vai kaut kas ir piem\u0113rots jums, varat mekl\u0113t konsultantu.<\/p><p>Ieguld\u012bjumi var gan pieaugt, gan samazin\u0101ties, un past\u0101v iesp\u0113ja, ka j\u016bs atg\u016bsiet maz\u0101k nek\u0101 ieguld\u012bj\u0101t.<\/p><h2><b>Kas ir risks?<\/b><\/h2><p>Riska uz\u0146em\u0161an\u0101s ir neat\u0146emama cilv\u0113ka dz\u012bves sast\u0101vda\u013ca. T\u0101 \u013cauj mums izp\u0113t\u012bt un uzzin\u0101t par mums apk\u0101rt eso\u0161o pasauli. Sastopoties ar riskantu situ\u0101ciju, m\u016bsu smadzenes veic nov\u0113rt\u0113\u0161anas procesu.<\/p><p>M\u0113s nanosekundes laik\u0101 izsveram potenci\u0101lo atl\u012bdz\u012bbu un riskus, kas saist\u012bti ar konkr\u0113to r\u012bc\u012bbu.<\/p><p>Vienk\u0101r\u0161i run\u0101jot, risks m\u016bs pasarg\u0101.<\/p><p>Tom\u0113r, lai izvair\u012btos no negrib\u0113t\u0101m sek\u0101m, ir \u013coti svar\u012bgi veikt r\u016bp\u012bgu izp\u0113ti un pie\u0146emt apzin\u0101tus l\u0113mumus.<\/p><p>Piem\u0113ram, ja pl\u0101nojat doties gar\u0101 ce\u013cojum\u0101 ar automa\u0161\u012bnu, p\u0101rbaudiet riepu spiedienu, lai samazin\u0101tu risku, ka uz \u0161osejas var\u0113tu p\u0101rspr\u0101gt riepa. Vai, ja tuvojas as\u0101 pagrieziena, samaziniet \u0101trumu, lai samazin\u0101tu risku.<\/p><p>M\u0113s palielin\u0101m savu dro\u0161\u012bbas t\u012bklu, samazinot risku, veicot mazus so\u013cus, kas k\u013cuvu\u0161i par m\u016bsu otru dabu.<\/p><p>V\u0113l viena riska priek\u0161roc\u012bba ir t\u0101, ka tas \u013cauj mums saglab\u0101t kontroli.<\/p><p>Kad m\u0113s varam pie\u0146emt l\u0113mumus par riskiem, ko uz\u0146emamies, un pas\u0101kumiem, lai tos nov\u0113rstu, m\u0113s j\u016btamies vair\u0101k kontrol\u0113jam savu dz\u012bvi un maz\u0101k j\u016btamies bezpal\u012bdz\u012bgi briesmu priek\u0161\u0101.<\/p><h2><b>Kas ir ieguld\u012bjumu risks?<\/b><\/h2><p>Ieguldot naudu, past\u0101v risks, ka j\u016bs varat zaud\u0113t naudu sv\u0101rst\u012bbu d\u0113\u013c, kas izraisa ieguld\u012bjuma v\u0113rt\u012bbas kritumu.<\/p><p>Piem\u0113ram, ja j\u016bs p\u0113rkat uz\u0146\u0113muma akcijas un to v\u0113rt\u012bba samazin\u0101s, j\u016bs zaud\u0113jat da\u013cu no savas invest\u012bcijas.<\/p><p>Invest\u012bciju v\u0113rt\u012bbu var ietekm\u0113t daudzi da\u017e\u0101di faktori, piem\u0113ram, izmai\u0146as ekonomik\u0101 (piem\u0113ram, Covid-19), politiskie notikumi (piem\u0113ram, premjerministra mai\u0146a), kar\u0161 (piem\u0113ram, Krievijas iebrukums Ukrain\u0101) vai izmai\u0146as tirg\u016b (piem\u0113ram, 2008. gada finan\u0161u kr\u012bze).<\/p><p>Turkl\u0101t Eiropas Savien\u012bbas tiesisk\u0101s direkt\u012bvas un regulas, piem\u0113ram, da\u017e\u0101d\u0101s Padomes direkt\u012bv\u0101s izkl\u0101st\u012bt\u0101s, var ietekm\u0113t ieguld\u012bjumu v\u0113rt\u012bbu, jo \u012bpa\u0161i attiec\u012bb\u0101 uz nodok\u013ciem un akt\u012bvu nodo\u0161anu.<\/p><h2><b>Ieguld\u012bjumu riska veidi<\/b><\/h2><p>Ieguld\u012bjumu risks ir b\u016btisks aspekts, kas j\u0101\u0146em v\u0113r\u0101, pie\u0146emot ieguld\u012bjumu l\u0113mumus. Ir vair\u0101ki ieguld\u012bjumu riska veidi, par kuriem ieguld\u012bt\u0101jiem j\u0101zina, tostarp:<\/p><ol><li><b>Tirgus risks<\/b>: Tas ir risks, ka ieguld\u012bjuma v\u0113rt\u012bba var sv\u0101rst\u012bties tirgus apst\u0101k\u013cu izmai\u0146u d\u0113\u013c, piem\u0113ram, procentu likmju, infl\u0101cijas vai ekonomikas lejupsl\u012bdes d\u0113\u013c. Piem\u0113ram, ja procentu likmes paaugstin\u0101s, oblig\u0101ciju v\u0113rt\u012bba var samazin\u0101ties.<\/li><li><b>Kred\u012btrisks<\/b>: Tas ir risks, ka aiz\u0146\u0113m\u0113js var nepild\u012bt savas saist\u012bbas par aizdevumu vai oblig\u0101cij\u0101m, k\u0101 rezult\u0101t\u0101 tiek zaud\u0113ta pamatsumma. Iedom\u0101jieties, ka aizdodat naudu draugam, kur\u0161 to neatmaks\u0101 \u2013 tas \u012bsum\u0101 ir kred\u012btrisks.<\/li><li><b>Likvidit\u0101tes risks<\/b>: Tas ir risks, ka investors nevar\u0113s p\u0101rdot ieguld\u012bjumu pietiekami \u0101tri vai par taisn\u012bgu cenu. Iedom\u0101jieties, ka m\u0113\u0123in\u0101t p\u0101rdot retu kolekcijas priek\u0161metu; var paiet ilgs laiks, l\u012bdz atrad\u012bsiet pirc\u0113ju, kas b\u016bs gatavs samaks\u0101t t\u0101 v\u0113rt\u012bbu.<\/li><li><b>Darb\u012bbas risks<\/b>: Tas ir risks, ka ieguld\u012bjumu var ietekm\u0113t darb\u012bbas k\u013c\u016bdas, piem\u0113ram, slikta p\u0101rvald\u012bba vai neatbilsto\u0161as sist\u0113mas. Piem\u0113ram, uz\u0146\u0113mums var ciest, ja t\u0101 vad\u012bbas komanda pie\u0146em nepareizus l\u0113mumus.<\/li><li><b>Regul\u0113juma risks<\/b>: Tas ir risks, ka izmai\u0146as likumos vai noteikumos var negat\u012bvi ietekm\u0113t ieguld\u012bjumu. Piem\u0113ram, jauni vides aizsardz\u012bbas noteikumi var palielin\u0101t izmaksas konkr\u0113t\u0101m nozar\u0113m, ietekm\u0113jot to rentabilit\u0101ti.<\/li><\/ol><h2><b>Da\u017ei ieguld\u012bjumu veidi var b\u016bt riskant\u0101ki nek\u0101 citi.<\/b><\/h2><p>Piem\u0113ram, ieg\u0101d\u0101ties atsevi\u0161\u0137u Igaunijas uz\u0146\u0113mumu akcijas parasti ir riskant\u0101k nek\u0101 ieg\u0101d\u0101ties fondu, kas iegulda da\u017e\u0101du valstu uz\u0146\u0113mumos vis\u0101 pasaul\u0113.<\/p><p>Pirm\u0101 gad\u012bjum\u0101 risks palielin\u0101s, jo tas netiek sadal\u012bts, bet otraj\u0101 gad\u012bjum\u0101 risks tiek sadal\u012bts, diversific\u0113jot ieguld\u012bjumus un \u0123eogr\u0101fisk\u0101s teritorijas.<\/p><h3><b>K\u0101 p\u0101rvald\u012bt ieguld\u012bjumu risku<\/b><\/h3><p>Ieguld\u012bjumu riska p\u0101rvald\u012bba ir b\u016btiska, lai sasniegtu ilgtermi\u0146a finan\u0161u m\u0113r\u0137us. \u0160eit ir da\u017eas strat\u0113\u0123ijas, kas pal\u012bdz mazin\u0101t ieguld\u012bjumu risku:<\/p><h1><b>Diversifik\u0101cija<\/b><\/h1><ol>: sadaliet ieguld\u012bjumus starp da\u017e\u0101d\u0101m akt\u012bvu klas\u0113m, nozar\u0113m un \u0123eogr\u0101fiskaj\u0101m teritorij\u0101m, lai samazin\u0101tu atkar\u012bbu no konkr\u0113ta tirgus vai nozares. Ja viens ieguld\u012bjums nesniedz labus rezult\u0101tus, citi var sniegt labus rezult\u0101tus, l\u012bdzsvarojot kop\u0113jo<li><b>Akt\u012bvu sadale<\/b>: sadaliet ieguld\u012bjumus atbilsto\u0161i riska tolerances l\u012bmenim, ieguld\u012bjumu m\u0113r\u0137iem un laika periodam. Piem\u0113ram, jaun\u0101ki ieguld\u012bt\u0101ji var vair\u0101k ieguld\u012bt akcij\u0101s, lai pan\u0101ktu izaugsmi, bet tie, kas tuvojas pensijas vecumam, dod priek\u0161roku oblig\u0101cij\u0101m, lai nodro\u0161in\u0101tu stabilit\u0101ti.<\/li><li><b>Hed\u017e\u0113\u0161ana<\/b>: izmantojiet atvasin\u0101tos instrumentus vai citus finan\u0161u instrumentus, lai samazin\u0101tu pak\u013caut\u012bbu konkr\u0113tiem riskiem, piem\u0113ram, procentu likmes vai val\u016btas riskam. Tas var darboties k\u0101 apdro\u0161in\u0101\u0161ana j\u016bsu ieguld\u012bjumiem, aizs<\/li><li><b>Regul\u0101ra portfe\u013ca p\u0101rskat\u012b\u0161ana<\/b>: Periodiski p\u0101rskatiet un piel\u0101gojiet ieguld\u012bjumu portfeli, lai nodro\u0161in\u0101tu, ka tas joproj\u0101m atbilst ieguld\u012bjumu m\u0113r\u0137iem un riska tolerances l\u012bmenim. Tas pal\u012bdz saglab\u0101t v\u0113lamo riska l\u012bmeni laika gait\u0101.<\/li><li><b>Ieguld\u012bjumu izp\u0113te<\/b>: Pirms l\u0113muma pie\u0146em\u0161anas veiciet r\u016bp\u012bgu ieguld\u012bjumu izp\u0113ti un sekojiet l\u012bdzi tirgus tendenc\u0113m un apst\u0101k\u013ciem. Zin\u0101\u0161anas ir sp\u0113ks, un, sekojot l\u012bdzi jaun\u0101kaj\u0101m tendenc\u0113m, varat pie\u0146emt lab\u0101kus ieguld\u012bjumu l\u0113mumus.<\/li><\/ol><p>K\u0101p\u0113c ieguld\u012bj<\/p><h3><b>1. Ieguld\u012bjumu risks nodro\u0161ina ieguld\u012bt\u0101jiem dro\u0161\u012bbu un kontroli<\/b><\/h3><p>Ja jums nepat\u012bk uz\u0146emties lielu risku, tas ir lieliski. Tas noz\u012bm\u0113, ka esat izsv\u0113ris visus plusus un m\u012bnusus. Varb\u016bt jums ir svar\u012bg\u0101ka stabil\u0101ka izaugsme ilg\u0101k\u0101 laika period\u0101.<\/p><p>Ja jums nepat\u012bk uz\u0146emties liel\u0101ku risku. Tas noz\u012bm\u0113, ka j\u016bs esat gatavs pie\u0146emt iesp\u0113ju zaud\u0113t naudu un iesp\u0113ju g\u016bt liel\u0101ku pe\u013c\u0146u. Da\u017e\u0101diem ieguld\u012bjumu veidiem, ko sauc par akt\u012bviem, ir ar\u012b at\u0161\u0137ir\u012bgi riski un atl\u012bdz\u012bba.<\/p><p>Piem\u0113ram, akcijas parasti ir riskant\u0101kas nek\u0101 oblig\u0101cijas. Akcijas ir uz\u0146\u0113mumu da\u013cas, bet oblig\u0101cijas ir k\u0101 uz\u0146\u0113mumu (vai pat vald\u012bbu) par\u0101dz\u012bmes investoriem. <a href=\"https:\/\/nasdaqbaltic.com\/news\/estonian-government-bonds-are-now-listed-on-nasdaq-baltic-market\/\" target=\"_blank\" rel=\"noopener\">Igaunijas valsts oblig\u0101cijas<\/a> da\u017ek\u0101rt sauc par Gilts. Oblig\u0101cijas un Gilts pied\u0101v\u0101 fiks\u0113tu procentu maks\u0101jumu, t\u0101p\u0113c j\u016bs vienm\u0113r zin\u0101t, ko sa\u0146emsiet atpaka\u013c.<\/p><p>Akcijas ir riskant\u0101kas, bet t\u0101s var nodro\u0161in\u0101t investoriem augst\u0101ku pe\u013c\u0146u.<\/p><p>Pe\u013c\u0146a at\u0161\u0137iras no summas, ko s\u0101kotn\u0113ji maks\u0101jat par ieguld\u012bjumu, un kop\u0113j\u0101s summas, ko sa\u0146emat atpaka\u013c. Ieskaitot sa\u0146emtos ien\u0101kumus un gal\u012bgo v\u0113rt\u012bbu.<\/p><p>Viens no iemesliem, k\u0101p\u0113c akcijas var nodro\u0161in\u0101t investoriem augst\u0101ku pe\u013c\u0146u, ir tas, ka t\u0101s maks\u0101 dividendes. Dividendes ir da\u013ca no uz\u0146\u0113muma pe\u013c\u0146as, uz kuru akcion\u0101ram ir ties\u012bbas k\u0101 l\u012bdz\u012bpa\u0161niekam. T\u0101s nav fiks\u0113tas k\u0101 oblig\u0101cijas, t\u0101p\u0113c t\u0101m ir potenci\u0101ls pieaugt augst\u0101k par fiks\u0113to pe\u013c\u0146as likmi, ko maks\u0101 oblig\u0101cijas. Tom\u0113r dividendes var pazust, ja uz\u0146\u0113mums g\u016bst maz\u0101ku pe\u013c\u0146u nek\u0101 gaid\u012bts.<\/p><p>Cits veids, k\u0101 investori var g\u016bt pe\u013c\u0146u, ir kapit\u0101la pieaugums, kas ir ieguld\u012bjuma v\u0113rt\u012bbas pieaugums, to p\u0101rdodot. Tom\u0113r ir sv\u0101rst\u012bbas un ap\u013cveida kust\u012bbas, jo akcij\u0101m ir potenci\u0101ls gan samazin\u0101ties, gan pieaugt.<\/p><h3><b>2. Tas atg\u0101dina investoriem par diversifik\u0101cijas nepiecie\u0161am\u012bbu<\/b><\/h3><p>Da\u017eiem ieguld\u012bjumu veidiem var b\u016bt liel\u0101ks risks. Tom\u0113r investori var akt\u012bvi samazin\u0101t risku, piel\u0101gojot savas ieguld\u012bjumu strat\u0113\u0123ijas.<\/p><p>Investori var diversific\u0113t savus ieguld\u012bjumus da\u017e\u0101dos veidos. Piem\u0113ram<\/p><ol><li>Da\u017e\u0101dos akt\u012bvos (ieguld\u012bjumu veidos)<\/li><li>Da\u017e\u0101d\u0101s nozar\u0113s<\/li><li>Da\u017e\u0101dos tirgos vis\u0101 pasaul\u0113<\/li><\/ol><p>J\u016bs varat izveidot diversific\u0113tu portfeli, diversific\u0113jot savus ieguld\u012bjumus da\u017e\u0101d\u0101s valst\u012bs un nozar\u0113s. Tas pal\u012bdz samazin\u0101t zaud\u0113jumu risku j\u016bsu ieguld\u012bjumiem. T\u0101d\u0113j\u0101di, ja vienai valstij vai nozarei veicas labi, bet citai ne, j\u016bs varat kompens\u0113t da\u013cu zaud\u0113jumu ar pe\u013c\u0146u, kas samazina j\u016bsu kop\u0113jo risku.<\/p><h3><b>3. Ieguld\u012bjumu risks var pal\u012bdz\u0113t sasniegt j\u016bsu m\u0113r\u0137us<\/b><\/h3><p>Ir svar\u012bgi atcer\u0113ties, ka ieguld\u012bjumu risks at\u0161\u0137iras no finan\u0161u riska. Finan\u0161u risks vair\u0101k saist\u012bts ar iesp\u0113ju nesp\u0113t samaks\u0101t r\u0113\u0137inus. Ir \u013coti svar\u012bgi nodro\u0161in\u0101t, ka j\u016bs vienm\u0113r varat izpild\u012bt savas finan\u0161u saist\u012bbas.<\/p><p>Ja veicat noz\u012bm\u012bgas invest\u012bcijas un ne\u0146em v\u0113r\u0101 risku, tas var ietekm\u0113t j\u016bsu finansi\u0101lo labkl\u0101j\u012bbu.<\/p><p>Tom\u0113r invest\u012bciju riska p\u0101rvald\u012bba var pal\u012bdz\u0113t sasniegt da\u017eus no j\u016bsu finan\u0161u m\u0113r\u0137iem (piem\u0113ram, pensiju vai ien\u0101kumus).<\/p><p>Kad tuvojaties pensijas vecumam, izplat\u012bta strat\u0113\u0123ija ir samazin\u0101t invest\u012bciju risku. Tas pal\u012bdz pasarg\u0101t j\u016bs no naudas zaud\u0113jumiem tuvu br\u012bdim, kad v\u0113laties iz\u0146emt naudu no <a href=\"https:\/\/www.pensionikeskus.ee\/en\/\" target=\"_blank\" rel=\"noopener\">savas pensiju fonda.<\/a><\/p><p>Ja esat jaun\u0101ks, varat at\u013cauties velt\u012bt vair\u0101k laika ieguld\u012bjumiem. Tas var pal\u012bdz\u0113t jums p\u0101rvar\u0113t jebk\u0101dus sv\u0101rst\u012bjumus akciju tirg\u016b.<\/p><p>Jums ar\u012b nav j\u0101veic viss smagais darbs pa\u0161am. J\u016bs varat ieguld\u012bt fondos, kas sadala j\u016bsu naudu atkar\u012bb\u0101 no t\u0101, cik lielu risku v\u0113laties uz\u0146emties.<\/p><p>Fonds ar da\u017eiem augst\u0101ka riska un zem\u0101ka riska ieguld\u012bjumiem var\u0113tu potenci\u0101li g\u016bt liel\u0101ku pe\u013c\u0146u nek\u0101 piesardz\u012bg\u0101ks fonds.<\/p><p>\u012asum\u0101, ieguld\u012bjumu risks pal\u012bdz mums saglab\u0101t dro\u0161\u012bbu un kontroli.<\/p><p>Tas nenoz\u012bm\u0113, ka ieguld\u012bjumi ir superdro\u0161i, un vienm\u0113r past\u0101v risks zaud\u0113t naudu. Tom\u0113r, saglab\u0101jot diversifik\u0101ciju un past\u0101v\u012bgi p\u0101rbaudot savu riska apet\u012bti, j\u016bs var\u0113tu b\u016bt ce\u013c\u0101 uz veiksm\u012bgu ieguld\u012bjumu pieredzi.<\/p><p>Atcerieties vienm\u0113r veikt p\u0113t\u012bjumus, diversific\u0113t savus ieguld\u012bjumus un sekot l\u012bdzi tirgus tendenc\u0113m un apst\u0101k\u013ciem.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Kas ce\u013cas, tas ar\u012b kr\u012bt, vai ne? \u0160eit ir izskaidrots, k\u0101p\u0113c invest\u012bciju riska izpratne var pal\u012bdz\u0113t jums veikt lab\u0101kus ieguld\u012bjumus.<\/p>\n","protected":false},"author":3,"featured_media":21570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-22333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-150x150.png",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk.png",2240,1260,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk.png",2240,1260,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk.png",2240,1260,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk.png",2240,1260,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-150x150.png",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-300x169.png",300,169,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-1024x576.png",800,450,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-1536x864.png",1536,864,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Investment-risk-2048x1152.png",2048,1152,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a>","rttpg_excerpt":"Kas ce\u013cas, tas ar\u012b kr\u012bt, vai ne? \u0160eit ir izskaidrots, k\u0101p\u0113c invest\u012bciju riska izpratne var pal\u012bdz\u0113t jums veikt lab\u0101kus ieguld\u012bjumus.","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22333","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22333"}],"version-history":[{"count":4,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22333\/revisions"}],"predecessor-version":[{"id":22337,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22333\/revisions\/22337"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/21570"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}