How can I get them for investments?
I would say it’s a change. On the one hand, their attitude towards investments has improved significantly after covid, on the other hand, this is still a post-communist country, so it is clear that financial literacy and willingness to invest are weak here. On the other hand, we can see from our hearing that the food gradually increases.
What is the age distribution of the people who invest with you? The fact that the older generation is interested in real estate in this sense, but the younger ones are not up to it and go elsewhere, also demonstrates their desire to invest.
The elderly are very conservative and prefer to devote themselves to material possessions, be it gold or real estate. However, especially among young people, there is a shift towards the digital environment. Our data shows that the average age of the customer is constantly decreasing. This year the average age of a new customer rises to 25.
The survey showed that only 9% of investors in Slovakia are subject to it, and in Slovakia even only 7. What is the cause of the unflattering trend reported by the investment platform?
I don’t have a clear answer to this. However, I think that in the country this is the bottom of the general conservative attitude of society and the lack of financial literacy. In our opinion it is a fundamental custom for a woman to stay at home for a relatively long time and take care of children. Although it changes very dynamically, it is still rooted in society. But here too I am optimistic, because according to investors it is gradually growing. This can also be seen in the fact that women who promote obscurity are being developed in the investment world. Change that, for example, to Lenka Schnová, who co-chairs the Czech Investment Conference, which is the largest event of its kind held in the Czech Republic.
Don’t invest so much in women, but more importantly it plays a role and it will be difficult to make it look like you are making women last longer. For example, the median, that is, the value from which n is half the range and half the value, is calculated based on the statistical number of a few thousandths.
It definitely plays a role, but it helps that today I can invest hundreds of dollars. This is what we are trying to bring to the attention of the general public.
How much did the covid client help you when people started investing a lot more through various mobile applications?
It will help us a lot, but we can’t do it alone. We must go hand in hand with technological progress. In general, it will help us, but by developing our application, we will not develop the bottom side, so it is necessary to constantly improve both the evolving application and the products we purchase. This is linked to the growing needs of users themselves. They are terrible at ensuring that the application has a fifth environment, that customer support always works, and so on. Of course, the growth of competition is also linked to this. So I will help them, but directly on our land.
Help us so that we have the office in Esk. That’s mostly due to older customers, which we don’t have many of, but we do have that chapter. These customers often have language barriers and are therefore also annoyed by the fact that our foreign competitors do not have professional support.
Michael Kopta, head of investment marketing at XTB.
You recently divided passive investment options into so-called complete investment options. What is it and how can I eat it?
Thanks to this promise, people can easily and without any expense choose a complete investment, whether planned or their own. Pot can automatically invest in it with the help of a standing command. For them it is a long term investment, they don’t have to worry at all. I eat a lot, because people asked me at two.
Furthermore, the service is completely free and up to an amount of 100 thousand euros invested. The only thing that needs to be paid is the transaction fee for the exchange, because with us you invest in crowns, but the indices are usually quoted in euros or dollars. Of course I can avoid this if I receive the pension.
So what does this mean for you?
From it we created customer warehouses. So we can make a profit, because a large number of people don’t want to go alone. While we have a large customer base, these individuals may still use other products for which we have a traditional pricing structure.
What is the most popular type of investment among clients?
Invest in ETF funds, individual stocks and stock indices. Accessible, well-known and very volatile raw materials are also strong. Among individual events, EZ is very popular, among foreign technology giants such as Apple, Meta and Alphabet. Generally, investors seek out shares of technology companies because of their dividends.
Have you observed the demand for investments in raw materials in relation to the wolf in Ukraine?
Geopolitical events in general always affect market volatility and wages, so people go where the market moves. They have learned that even in moments of maximum uncertainty and volatility, the most interesting plots are hidden. This was also confirmed with regards to raw materials.
You said you were very fond of EZ stock. This was also demonstrated by the survey, which showed that even an investor cannot imagine his portfolio without it. Can you explain it to me?
I think the fact that the client is a very stable company in a seemingly understandable industry plays a role in EZ. But personally, I don’t think it’s as easy as many people think.
It is also a trend emerging across the country. Where there is a home action offering, people usually use it. You know these services or products of these companies from your life. That’s why you feel like they understand. Among domestic titles, Zbrojovka is a popular example. The general gun industry has grown a lot recently and people are much more interested in it. It hurt them to realize that the plague is fleeting and that the armory is suddenly needed. This trend will continue to be the same in the future. But the question here is whether it is included in the current price or whether there is growth potential there. But mostly half will be sweaty, obviously worth nothing.
Michael Kopta
- In XTB psob since 2019. She held the role of Account Manager, since 2022 she has been marketing fem.
- Previously he worked in the cooperatives Kooperativa, Allianz or in the student organization Klub Investor.
- In 2020 he obtained a degree in marketing and is now studying Economics and Management
Do you see a shift away from some regions due to geopolitical conflicts? And diversify geographically?
Geopolitical conflicts certainly have the ability to influence markets, therefore they also influence investment decisions, but differently for everyone. Someone stays calm, someone panics and runs away, others try to take advantage and buy. This can be seen, for example, in the Taiwanese TSCM, for which the demand is enormous. There are people who see that the company’s valuation is low and hope that there is no conflict with it.
In general, however, among the echoes there is huge demand for American stocks. On the other hand, in Europe we have energy and the automotive industry. Its stock is low because the industry is going through trouble. Investors who know that it is bacon therefore see an interesting complexity in it.
Technology stocks have performed extremely well over the past year. But this logically limits their growth in that year. Do you see that your customers also still buy them because they see a good future in them?
I even think that technology stocks have not exhausted their potential. Their growth over the past year has been astronomical, but justifiable. Tech giants are at the helm of technological progress, and for the long term. So I can’t understand why I would think anyone is cold. Then there is also the aspect of the human chapter, when you can see that these companies have collected the best people from the market in the long term. There are risks, but I don’t expect them to realize their potential now.
Further growth would be aided by the implementation of artificial intelligence, which could reduce its costs. Of course, this is expensive, but only to the limit.
Well, I am convinced that the potential in this sense is not complete. According to various studies, the growth could be in the order of tens of billions of dollars from a capitalization point of view. The full amount of this decision is not included in the current price.
What would you recommend to a client who wants to invest in you for retirement? Are these, for example, technology stocks, with which it can be assumed that they will maintain their value and position on the market to a minimum? If the hunter wants to secure his retirement by investing, then it is definitely advisable to take you this way first. Of course, the opposite, when a person buys stocks that are now low, is to get a lot of profits. Such an example is Japan, when the market was down for a long time and now it has returned to the highs of 1989. Whoever noticed this, great, but for a hunter who does not understand this, this is really very difficult to estimate . For me it is therefore safer to follow the path of American stocks, which are historically well valued. So I would be determined not to go down this path or to choose the world indices in which America has the greatest weight. Furthermore, global indices also diversify in the field of emerging geopolitical risks. However, I don’t want to discourage you from being active. You can edit the chapter handled in this way.
There is controversy over which portfolio management method is better, active or passive. How do you see it?
Passive investments are a phenomenon of recent years. Among its main advantages are low cost and time saving. Moreover, statistics also speak in its favor, because it is known that the SP 500 index is used to compare the performance of investments. It turns out that only a small percentage of professionals can beat it in the long term. From these statistics you can probably deduce how much money a person should have. Investing in the hunting index basically means that we will be rich as a world.
Those who invest alone, even passively, expose themselves to psychological pressure in the event of a stock market correction. How did your customers behave during the 2022 crisis?
In general, it can be said that, thanks to growing financial literacy, people make fewer spontaneous decisions. Don’t panic so much, you know that every correction in the market fades away sooner or later. Our advantage in this regard is also the reduced customer support. In Russia I invest for myself, but sometimes I am a hunter. He’s watching her quote-unquote retire, and there’s nothing we can do about it. Here it proves to be a valuable option for the customer line. People can call her, talk about the situation. So it was.
In this direction, the collaboration with influencers was very useful to us. During market corrections, people had the opportunity to watch a ten-minute video of someone who had done it themselves and was the same age. Thanks to the video I calm down and after five comments below I discover that dozens and even hundreds of people are full of the same thing. We can see that it has a huge impact.
Michael Kopta, head of investment marketing at XTB.
Now people are going through a period of inflation, due to which their wages have been declining for about two years. Can’t you see that your clients would dream of the money you send for investments?
The average invested income decreases as the average age of the investor decreases. Young people logically do not have the same means as an older investor. Conversely, I would say that if they had enough controversy overall, then when they saw how much inflation was against them, that motivated them to invest.
In uncertain times, people tend to turn to gold as a store of value. In professional environments, however, it is also quite critical, because it is not possible to achieve the same results as stock picking. How do you see it?
I don’t think it can be universally cut. Some investors say the value of an investment depends on how much cash flows in, such as through dividends. From this point of view, gold has no value. However, I dare not say that gold is not worth investing in. Therefore, risk aversion always plays a key role. In history, we can find an example where gold even outperformed US stock indices. Over the long-term time horizon, however, statistics show that stocks outperform gold by a ratio of about one to one, and this is where risk aversion comes in, because movements in the price of gold they are not that dynamic. Gold therefore tends to protect against inflation and reduce portfolio volatility, but at the cost of reducing its return.
How do you feel about market day this year?
In general, the markets will be influenced by macroeconomic parameters, such as inflation, the efficiency of the economy, the year of interest rates in the USA will also be dark, on which the price of most assets will increase. Furthermore, there will be a large number of elections, including those in the United States. We will thus monitor the development of UML intelligence. The topic will be about cryptocurrencies, which we have on offer in derivative form, but this is an approved ETF fund. Of course, geopolitics will also play a role.
Therefore, if all the change factors are realized in time, the market will do well. And at the end of the day, however, I expect high volatility. It won’t be a gradual growth, as we saw during covid, there will be fluctuations.
How might specific stocks generate income this year or in subsequent years? On tpn, analyst Hjek cited the retail trade or the luxury goods segment as an example. Do you want to ask something else?
I would have asked for AI, but I missed it. From a long-term perspective, unfortunately, I have to fill the armory segment again. I understand that this area is not a question of short-term growth. Even if nothing had happened to him, we realized that the world is not safe. Plovan contracts are insanely long and highly valuable. Technology is also linked to them. Their growth potential lies not only in what we use every day, but also in healthcare and defense. These are things that cut investments by tens of percentage points. So technology is growing in different segments and I can’t guess where the growth will end.
Population rigidity will also play its role. In the future, this could boost the healthcare and pharmaceuticals segment. First of all, here is the penetration of technologies.
Some analysts predict that Bitcoin will cost over a million crowns. How has this growth affected your income?
Water is needed, you can only invest in a derivative. The product is therefore designed for business women who want to speculate. It doesn’t make sense for us in the long term. Therefore, our clients are now able to benefit from the current volatility. Otherwise I eat them tall. In addition to cryptocurrencies, it is also possible to invest in companies operating in this sector, whose actions essentially copy the development of bitcoin
How will the impending approval of a Bitcoin ETF affect you?
Let’s touch on this now because of the volatility associated with it. Of course we also intend to meet the demand for this ETF, so we have written that as soon as it is possible to offer it in Europe, we will do so.
2024-01-20 23:00:49
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