{"id":262497,"date":"2025-07-08T12:20:53","date_gmt":"2025-07-08T12:20:53","guid":{"rendered":"https:\/\/wpvip.tgalpha.com\/?p=262497"},"modified":"2025-07-08T12:20:55","modified_gmt":"2025-07-08T12:20:55","slug":"kaip-pradeti-investuoti-gidas","status":"publish","type":"post","link":"https:\/\/wpvip.tgalpha.com\/lt\/kaip-pradeti-investuoti-gidas","title":{"rendered":"Kaip prad\u0117ti investuoti? Paprastas gidas pradedantiems"},"content":{"rendered":"\n<p>Galb\u016bt jau kur\u012f laik\u0105 galvojate: &#8220;Gal reik\u0117t\u0173 prad\u0117ti investuoti, ta\u010diau nuo ko prad\u0117ti?&#8221; Jei taip, \u2013 sveikiname.<\/p>\n\n\n\n<p>J\u016bs jau \u017eeng\u0117te pirm\u0105 \u017eingsn\u012f finansinio ra\u0161tingumo link. \u0160is straipsnis skirtas visiems, kurie nori auginti savo santaupas, bet bijo investavimo pasaulio. Gera \u017einia \u2013 viskas yra \u012fveikiama, kai investavimas tampa suprantamas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kod\u0117l verta investuoti?<\/h3>\n\n\n\n<p>Taupyti pinigus jau yra gerai, ta\u010diau investuoti juos \u2013 dar geriau. Kod\u0117l?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Infliacija:<\/strong> kiekvienais metais pinig\u0173 vert\u0117 krinta. Jeigu laikote santaupas tiesiog banko s\u0105skaitoje, jos po 10 met\u0173 bus vertos daug ma\u017eiau nei \u0161iandien.<\/li>\n\n\n\n<li><strong>Finansinis saugumas:<\/strong> investavimas padeda kurti ilgalaik\u0119 finansin\u0119 \u201esaugumo pagalv\u0119\u201d.<\/li>\n\n\n\n<li><strong>Turto augimas:<\/strong> tinkamai investav\u0119, galite gerokai padidinti savo turimus pinigus ar net pasiekti finansin\u0119 nepriklausomyb\u0119.<\/li>\n<\/ul>\n\n\n\n<p>Investuoti gali visi \u2013 nepriklausomai nuo to, kur gyvenate, kiek u\u017edirbate ar kokia kalba kalbate.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/wpvip.tgalpha.com\/lt\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners.jpg?resize=1024,576\" alt=\"prad\u0117ti investuoti\" class=\"wp-image-262613\" srcset=\"https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners.jpg 1440w, https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners.jpg?resize=300,169 300w, https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners.jpg?resize=768,432 768w, https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners.jpg?resize=1024,576 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Kas yra investavimas?<\/h3>\n\n\n\n<p>Trumpai tariant, investavimas rei\u0161kia pinig\u0173 &#8220;\u012fdarbinim\u0105&#8221; \u2013 investuojate \u012f turt\u0105, kuris per laik\u0105 gali u\u017edirbti jums pelno.<\/p>\n\n\n\n<p>Svarbiausi pagrindai:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rizika:<\/strong> investavimas visada susij\u0119s su tam tikra rizika. Vienos priemon\u0117s rizikingesn\u0117s, kitos \u2013 saugesn\u0117s.<\/li>\n\n\n\n<li><strong>Gr\u0105\u017ea:<\/strong> tai pelnas, kur\u012f galite u\u017edirbti i\u0161 savo investicij\u0173. Da\u017enai auk\u0161tesn\u0117 gr\u0105\u017ea rei\u0161kia ir didesn\u0119 rizik\u0105.<\/li>\n\n\n\n<li><strong>Laikas:<\/strong> kiek laiko planuojate laikyti investicijas. Ilgalaik\u0117s investicijos da\u017eniausiai yra stabilesn\u0117s ir pelningesn\u0117s.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Populiariausios investavimo galimyb\u0117s Lietuvoje<\/h3>\n\n\n\n<p><strong>Investiciniai fondai<\/strong><\/p>\n\n\n\n<p>Tai krep\u0161elis skirting\u0173 vertybini\u0173 popieri\u0173 (akcij\u0173, obligacij\u0173 ir pan.), valdomas profesional\u0173. Privalumas \u2013 jums nereikia patiems rinktis konkre\u010di\u0173 akcij\u0173.<\/p>\n\n\n\n<p><strong>Akcijos<\/strong><\/p>\n\n\n\n<p>Perkate dal\u012f \u012fmon\u0117s. Jei \u012fmon\u0117 auga, auga ir j\u016bs\u0173 investicijos vert\u0117. Ta\u010diau \u2013 \u012fmon\u0117 gali ir bankrutuoti.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.lb.lt\/lt\/pensijos\" target=\"_blank\" rel=\"noreferrer noopener\">Pensij\u0173 fondai (II ir III pakopa)<\/a><\/strong><\/p>\n\n\n\n<p>Valstybin\u0117s skatinamos ilgalaik\u0117s investicijos. Antros pakopos fondai yra privalomi, tre\u010dioji \u2013 savanori\u0161ka, su papildomomis mokes\u010di\u0173 lengvatomis.<\/p>\n\n\n\n<p><strong>Nekilnojamas turtas<\/strong><\/p>\n\n\n\n<p>Butai, namai, sklypai \u2013 tai fizin\u0117 investicija. Tinka tiems, kurie turi daugiau kapitalo ir nori pasyvi\u0173 pajam\u0173 i\u0161 nuomos.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"576\" width=\"1024\" src=\"https:\/\/wpvip.tgalpha.com\/lt\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners-2.jpg?resize=1024,576\" alt=\"prad\u0117ti investuoti\" class=\"wp-image-262601\" srcset=\"https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners-2.jpg 1440w, https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners-2.jpg?resize=300,169 300w, https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners-2.jpg?resize=768,432 768w, https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners-2.jpg?resize=1024,576 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Kaip prad\u0117ti investuoti?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Nuo kokios sumos prad\u0117ti?<\/h4>\n\n\n\n<p>Neb\u016btina tur\u0117ti t\u016bkstan\u010di\u0173. Investuoti galima net nuo 10 ar 50 eur\u0173 per m\u0117nes\u012f. Svarbiausia \u2013 reguliarumas.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Kaip pasirinkti investavimo platform\u0105 ar program\u0117l\u0119?<\/h4>\n\n\n\n<p>\u012e k\u0105 vert\u0117t\u0173 atkreipti d\u0117mes\u012f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Patikimumas<\/strong> (ar platforma licencijuota? ar ji veikia Europos S\u0105jungoje?)<\/li>\n\n\n\n<li><strong>Paprastas naudojimas<\/strong> (ai\u0161ki, suprantama vartotojo s\u0105saja)<\/li>\n\n\n\n<li><strong>Ma\u017ei mokes\u010diai<\/strong> (kai kurios platformos gali pasiimti net 2\u20135% mokest\u012f nuo j\u016bs\u0173 pelno!)<\/li>\n<\/ul>\n\n\n\n<p>Populiarios platformos Lietuvoje: \u201eSwedbank\u201d, \u201eSEB investicijos\u201d, \u201eFinax\u201d, \u201eRevolut\u201d, \u201eInteractive Brokers\u201d.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Mokes\u010di\u0173 aspektai Lietuvoje<\/strong><\/h4>\n\n\n\n<p>Pelno mokestis yra taikomas tais atvejais, jei bendra investicij\u0173 gr\u0105\u017ea per metus vir\u0161ija 500 eur\u0173.<\/p>\n\n\n\n<p>Investuojant \u012f pensij\u0173 fondus ar gyvyb\u0117s draudim\u0105, galima susigr\u0105\u017einti iki 20% nuo sumok\u0117tos sumos per metin\u012f gyventoj\u0173 pajam\u0173 mokes\u010di\u0173 deklaravim\u0105.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Patarimai pradedantiesiems<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ned\u0117kite vis\u0173 savo kiau\u0161ini\u0173 \u012f vien\u0105 krep\u0161\u012f<\/strong> \u2013 investuokite \u012f skirtingas priemones.<\/li>\n\n\n\n<li><strong>Investuokite tik tiek, kiek galite sau leisti prarasti <\/strong>\u2013 investavimas visada yra susij\u0119s su rizika.<\/li>\n\n\n\n<li><strong>Galvokite apie ilgalaik\u0119 perspektyv\u0105<\/strong> \u2013 nereaguokite \u012f kasdienius rinkos svyravimus.<\/li>\n\n\n\n<li><strong>Dom\u0117kit\u0117s<\/strong> \u2013 skaitykite knygas, klausykit\u0117s tinklalaid\u017ei\u0173, sekite investavimo naujienas.<\/li>\n<\/ul>\n\n\n\n<p>Pirmas \u017eingsnis \u2013 tiesiog prad\u0117ti. Net jei tai ma\u017eas \u017eingsnelis. Kuo anks\u010diau pradedate investuoti, tuo daugiau laiko duodate savo pinigams augti.<\/p>\n\n\n\n<p>Norite auginti savo santaupas gyvendami Lietuvoje ar u\u017esienyje? Pasir\u016bpinkite, kad pinigai dirbt\u0173 jums.<\/p>\n\n\n\n<p>O kai nor\u0117site pervesti u\u017edirbtus pinigus \u2013 pasinaudokite <a href=\"https:\/\/wpvip.tgalpha.com\/lt\/\">TransferGo<\/a>. Greitai, saugiai ir pigiai.<\/p>\n\n\n\n<p><strong>Pasiruo\u0161\u0119 investuoti? Prad\u0117kite jau \u0161iandien!<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Galb\u016bt jau kur\u012f laik\u0105 galvojate: &#8220;Gal reik\u0117t\u0173 prad\u0117ti investuoti, ta\u010diau nuo ko prad\u0117ti?&#8221; Jei taip, \u2013 sveikiname. J\u016bs jau \u017eeng\u0117te pirm\u0105 \u017eingsn\u012f finansinio ra\u0161tingumo link. \u0160is straipsnis skirtas visiems, kurie nori auginti savo santaupas, bet bijo investavimo pasaulio. Gera \u017einia \u2013 viskas yra \u012fveikiama, kai investavimas tampa suprantamas. Kod\u0117l verta investuoti? Taupyti pinigus jau yra [&hellip;]<\/p>\n","protected":false},"author":65,"featured_media":262589,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1454,1457],"tags":[],"business_case_studies_tags":[],"class_list":["post-262497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asmeniniai-finansai","category-asmeniniu-finansu-patarimai"],"jetpack_featured_media_url":"https:\/\/wpvip.tgalpha.com\/wp-content\/uploads\/2025\/07\/Investing-from-A-to-Z-for-beginners-1.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/262497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/users\/65"}],"replies":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/comments?post=262497"}],"version-history":[{"count":4,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/262497\/revisions"}],"predecessor-version":[{"id":262625,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/posts\/262497\/revisions\/262625"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media\/262589"}],"wp:attachment":[{"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/media?parent=262497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/categories?post=262497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/tags?post=262497"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/wpvip.tgalpha.com\/lt\/wp-json\/wp\/v2\/business_case_studies_tags?post=262497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}