POMEN VZAJEMNIH SKLADOV V ČASU RECESIJE

• Main Author: Mrkela, Igor
• Other Authors: Jagrič, Timotej
• Format: Bachelor Thesis
• Language: Slovenian
• Published: I. Mrkela 2011
• Subjects: vzajemni sklad; globalna finančna kriza; gospodarska recesija; donos; vrednostni papirji.; mutual fund; global financial crisis; economic downturn; profit; financial instruments; info:eu-repo/classification/udc/336.76; Sklad; sami
• Online Access: https://dk.um.si/IzpisGradiva.php?id=17845; https://dk.um.si/Dokument.php?id=21055&dn=; https://plus.si.cobiss.net/opac7/bib/10649628?lang=sl

Varčevanje v vzajemnih skladih je v ekonomsko najrazvitejših državah sveta ena najpomembnejših oblik dolgoročnega varčevanja prebivalstva že več desetletij. Predmet diplomske naloge je prikazati pomen vzajemnih skladov v času svetovne recesije gospodarstva. Vzajemni skladi so postali vedno bolj priljubljena naložba denarnih sredstev fizičnih oseb. Cilj diplomske naloge je predstaviti pomen vzajemnih skladov v času recesije. Pri temu pa še predstaviti višino donosa v vzajemne sklade, ki je za vlagatelje zelo pomemben. Najprej so razloženi osnovni pojmi o vzajemnih skladih in kakšne vrste vzajemnih skladov poznamo. Diplomsko delo vsebuje prikaz višine donosa iz letnih poročil družb za upravljanje: PRO banka, Medvešček Pušnik in Primorski skladi. V raziskovalnem delu je narejena primerjava donosov posameznih evropskih - slovenskih in ameriških vzajemnih skladov. Rezultati analize so grafično predstavljeni in komentirani. Ugotovili smo, da so naložbe v vzajemne sklade vedno bolj zanimive, predvsem zato, ker ob relativno visoki varnosti ponujajo tudi višje donose. Namenjene pa so vsem tistim, ki nimajo dovolj časa ali znanja, da bi sami trgovali z vrednostnimi papirji. Iz tega razloga so tu upravljalci vzajemnih skladov, ki skrbijo, da so naložbe varne in da kljub nihanju vrednosti delnic ne izgubljajo na vrednosti. Ugotovljeno je, da donos v preteklosti ni garancija za donos v prihodnosti! For decades mutual funds have been a very popular way of saving money in developed economies. The object of this thesis is highlight the significance of mutual funds in a climate of global economic downturn. Mutual funds have become an increasingly more demanded investment instrument for private investors. The goal of this bachelor thesis is to show the importance of mutual funds in time of recession. Furthermore the level of profitability of mutual funds shall be highlighted as it is crucial for investment decisions. Firstly basic concepts on the topi cof mutual funds are depicted and explained, wich is followed by description of different currently existing types of mutual funds. This thesis contains the levels of profitability of used mutual funds gathered from annual reports published by PRO Bankaq, Medvešček Pušnik and Primorski skladi. Moreover thus paper containes a comparative profitability analysis between European -, Slovenian_ as well mutual funds from the US. The results of this analysis are displayed graphically with addition complementary explanations and comments. We conclude that investments in mutual funds are increasingly more popular, especially because they offer a rather high level of return with a relatively low level of risk. They are especially well suited for investors, who do not have the time follow the markets and manage their capital themselves. Fund managers are to make sure the capital is well invested so the fund does not underperform in regards to its benchmark, even when markets are volatile. Another conclusion is that past profits of a specific mutual fund are no guarantee for future profits.