{"id":2958,"date":"2024-02-04T08:24:13","date_gmt":"2024-02-04T08:24:13","guid":{"rendered":"https:\/\/www.stochrone.com\/?p=2958"},"modified":"2024-02-06T07:56:18","modified_gmt":"2024-02-06T07:56:18","slug":"10-millio-ma-vagy-10-millio-holnap-a-penz-idoerteke","status":"publish","type":"post","link":"https:\/\/www.stochrone.com\/en\/10-millio-ma-vagy-10-millio-holnap-a-penz-idoerteke\/","title":{"rendered":"10 milli\u00f3 ma, vagy 10 milli\u00f3 holnap? \u2013 A p\u00e9nz id\u0151\u00e9rt\u00e9ke"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2958\" class=\"elementor elementor-2958\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b31c4c5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b31c4c5\" 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data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ceeb12 elementor-widget elementor-widget-heading\" data-id=\"5ceeb12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">10 milli\u00f3 ma, vagy 10 milli\u00f3 holnap? \u2013 A p\u00e9nz id\u0151\u00e9rt\u00e9ke<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2487d6 elementor-widget elementor-widget-text-editor\" data-id=\"c2487d6\" data-element_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<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><span style=\"color: #000000;\">A \u201ep\u00e9nz id\u0151\u00e9rt\u00e9ke\u201d a v\u00e1llalati p\u00e9nz\u00fcgyek egyik alapvet\u0151, k\u00f6zponti elm\u00e9lete. L\u00e9nyege, hogy a p\u00e9nz \u00e9rt\u00e9ke \u00f6sszef\u00fcgg az id\u0151belis\u00e9ggel. Egyszer\u0171en fogalmazva az mondhat\u00f3, hogy 1000Ft ma t\u00f6bbet \u00e9r, mint 1000Ft holnap, pontosabban egys\u00e9gnyi p\u00e9nz\u00f6sszeg ma t\u00f6bbet \u00e9r, mint egys\u00e9gnyi \u00f6sszeg egy j\u00f6v\u0151beli id\u0151pontban.<\/span><\/p><h2><span style=\"color: #000000;\">Mi\u00e9rt van id\u0151\u00e9rt\u00e9ke a p\u00e9nznek?<\/span><\/h2><p><span style=\"color: #000000;\">Hab\u00e1r logikus v\u00e1laszk\u00e9nt az infl\u00e1ci\u00f3t eml\u00edten\u00e9k legt\u00f6bben, m\u00e9gis a v\u00e1llalati p\u00e9nz\u00fcgyekben az id\u0151\u00e9rt\u00e9k a befektet\u00e9sen el\u00e9rhet\u0151 hozammal van \u00f6sszef\u00fcgg\u00e9sben. \u00c9lve a kor\u00e1bbi p\u00e9ld\u00e1val, ha v\u00e1laszthatunk ak\u00f6z\u00f6tt, hogy 1000Ft-ot ma vagy 1000Ft-ot 1 \u00e9v m\u00falva kapjunk meg, akkor az\u00e9rt az els\u0151t fogjuk v\u00e1lasztani, hiszen 1000Ft-ot ma befektetve 1 \u00e9v m\u00falva m\u00e1r hozamot realiz\u00e1lhatunk rajta.<\/span><\/p><p><span style=\"color: #000000;\">Ezen a ponton fontos megeml\u00edteni k\u00e9t fontos fogalmat, a jelen\u00e9rt\u00e9ket \u00e9s az id\u0151\u00e9rt\u00e9ket. A jelen\u00e9rt\u00e9k egy j\u00f6v\u0151ben esed\u00e9kes p\u00e9nz\u00f6sszeg mai \u00e9rt\u00e9k\u00e9t jelenti (vagyis azt, hogy mennyi az \u00e9rt\u00e9ke mai napon annak az 1000Ft-nak amit 1 \u00e9v m\u00falva kapn\u00e1nk), m\u00edg a j\u00f6v\u0151\u00e9rt\u00e9k azt mutatja mi egy ma kapott p\u00e9nz\u00f6sszeg \u00e9rt\u00e9ke egy j\u00f6v\u0151beli id\u0151pontban (azaz mennyit \u00e9r 1 \u00e9v m\u00falva a ma kapott 1000Ft.)<\/span><\/p><p><span style=\"color: #000000;\">A k\u00e9t fogalom az\u00e9rt fontos, hiszen megford\u00edtva a kor\u00e1bban bemutatott p\u00e9ld\u00e1t, az 1 \u00e9v m\u00falva kapott 1000Ft mai \u00e9rt\u00e9ke, azaz jelen\u00e9rt\u00e9ke kevesebb mint 1000Ft, hiszen ma ezt az alacsonyabb \u00f6sszeget (a p\u00e9lda kedv\u00e9\u00e9rt 900Ft-ot) befektetve 1 \u00e9v m\u00falva ugyan\u00fagy 1000 Forintunk lesz.<\/span><\/p><h2><span style=\"color: #000000;\">Mire haszn\u00e1ljuk a p\u00e9nz id\u0151\u00e9rt\u00e9k\u00e9nek koncepci\u00f3j\u00e1t?<\/span><\/h2><p><span style=\"color: #000000;\">Az id\u0151\u00e9rt\u00e9k koncepci\u00f3j\u00e1t legf\u0151k\u00e9ppen a c\u00e9g\u00e9rt\u00e9kel\u00e9sre, illetve befektet\u00e9si lehet\u0151s\u00e9gek \u00e9rt\u00e9kel\u00e9s\u00e9re haszn\u00e1ljuk. Ahogyan a 3 legf\u0151bb c\u00e9g\u00e9rt\u00e9kel\u00e9si m\u00f3dszert bemutat\u00f3, illetve a j\u00f6vedelemalap\u00fa c\u00e9g\u00e9rt\u00e9kel\u00e9sr\u0151l sz\u00f3l\u00f3 blogbejegyz\u00e9seinkben bemutattuk, egy c\u00e9g \u00e9rt\u00e9kel\u00e9s\u00e9n\u00e9l fontos szempont, hogy v\u00e1rhat\u00f3an mennyi profitot fog termelni az adott v\u00e1llalkoz\u00e1s, hiszen amennyiben megv\u00e1s\u00e1roljuk a c\u00e9get a profit biztos\u00edthatja sz\u00e1munkra a megt\u00e9r\u00fcl\u00e9st. A profitok viszont a k\u00f6vetkez\u0151 \u00e9vek m\u0171k\u00f6d\u00e9se sor\u00e1n fognak realiz\u00e1l\u00f3dni, teh\u00e1t j\u00f6v\u0151beli p\u00e9nz\u00e1ramok, amikhez \u00fagy f\u00e9r\u00fcnk hozz\u00e1 ha ma egy \u00f6sszeget fizetve megv\u00e1s\u00e1roljuk a c\u00e9get. Ennek az egyszeri \u00f6sszegnek a meghat\u00e1roz\u00e1s\u00e1hoz jelen\u00e9rt\u00e9ken kell figyelembe venni a j\u00f6v\u0151beli p\u00e9nz\u00e1ramokat, mai \u00e9rt\u00e9k\u00fcket kell meghat\u00e1rozni, ami teh\u00e1t alacsonyabb kell hogy legyen a j\u00f6v\u0151beli v\u00e1rhat\u00f3 \u00e9rt\u00e9k\u00fckn\u00e9l a kor\u00e1bban bemutatott okok miatt.<\/span><\/p><h2><span style=\"color: #000000;\">Sz\u00e1m\u00edt a p\u00e9nz id\u0151\u00e9rt\u00e9ke beruh\u00e1z\u00e1sokn\u00e1l?<\/span><\/h2><p><span style=\"color: #000000;\">Term\u00e9szetesen igen. Egy beruh\u00e1z\u00e1ssal szint\u00e9n egyszeri \u00f6sszeget fizet\u00fcnk egy eszk\u00f6z\u00e9rt ami a j\u00f6v\u0151ben profitot termel, ezeket a j\u00f6v\u0151beli p\u00e9nz\u00e1ramokat jelen\u00e9rt\u00e9ken figyelembe v\u00e9ve meghat\u00e1rozhat\u00f3 a beruh\u00e1z\u00e1s \u00e9rt\u00e9ke. Ha v\u00e1laszthatunk Projekt A \u00e9s Projekt B k\u00f6z\u00fcl, ahol Projekt A 100 milli\u00f3 hasznot hoz az 1. \u00e9v ut\u00e1n, Projekt B pedig szint\u00e9n 100 milli\u00f3 hasznot hoz de csak a 3. \u00e9v ut\u00e1n, akkor Projekt A-t fogjuk v\u00e1lasztani, hiszen magasabb a jelen\u00e9rt\u00e9ke.<\/span><\/p><h3><span style=\"color: #000000;\">\u00d6sszegz\u00e9s<\/span><\/h3><p><span style=\"color: #000000;\">A p\u00e9nz id\u0151\u00e9rt\u00e9k\u00e9t a v\u00e1llalati p\u00e9nz\u00fcgyekben legf\u0151k\u00e9ppen a c\u00e9g\u00e9rt\u00e9kel\u00e9skor, illetve befektet\u00e9si lehet\u0151s\u00e9gek \u00e9rt\u00e9kel\u00e9s\u00e9re haszn\u00e1ljuk. L\u00e9nyege, hogy egys\u00e9gnyi p\u00e9nz t\u00f6bbet \u00e9r a jelenben, mint egys\u00e9gnyi p\u00e9nz egy j\u00f6v\u0151beli id\u0151pontban. Amikor a v\u00e1llalkoz\u00e1s vezet\u00e9se sor\u00e1n befektet\u00e9si d\u00f6nt\u00e9st hozunk legk\u00f6zelebb, ne csak azt vegy\u00fck figyelembe, hogy mekkora az \u00f6sszeg, hanem azt is, hogy az id\u0151belis\u00e9ge hogyan alakul a v\u00e1rhat\u00f3 profitoknak.<\/span><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9331c09 elementor-button-info elementor-align-left elementor-widget elementor-widget-button\" data-id=\"9331c09\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/www.stochrone.com\/en\/blog\/\" class=\"elementor-button-link elementor-button elementor-size-lg\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-reply\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Vissza a blogra<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>A p\u00e9nz id\u0151\u00e9rt\u00e9ke a v\u00e1llalati p\u00e9nz\u00fcgyek egyik k\u00f6zponti, kulcsfontoss\u00e1g\u00fa elm\u00e9lete. Cikk\u00fcnkben bemutatjuk, mire haszn\u00e1ljuk a p\u00e9nz id\u0151\u00e9rt\u00e9k\u00e9t.<\/p>","protected":false},"author":1,"featured_media":2989,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}}},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 milli\u00f3 ma, vagy 10 milli\u00f3 holnap? 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