{"id":30046,"date":"2022-12-11T21:50:50","date_gmt":"2022-12-11T19:50:50","guid":{"rendered":"https:\/\/financer.lt\/?post_type=wiki&#038;p=30046"},"modified":"2023-12-20T22:57:26","modified_gmt":"2023-12-20T20:57:26","slug":"obligacijos-issami-apzvalga","status":"publish","type":"wiki","link":"https:\/\/financer.lt\/investavimas\/straipsniai\/obligacijos-issami-apzvalga\/","title":{"rendered":"Obligacijos &#8211; I\u0161sami Ap\u017evalga"},"content":{"rendered":"\n<p class=\"has-text-align-left\">Obligacijos &#8211; verslams bei vyriausybin\u0117ms institucijoms itin svarbus vertybinis popierius.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Nors da\u017enai siejamas su ma\u017eesne nei Akcij\u0173 gr\u0105\u017ea, \u0161is vertybinis popierius u\u017eima svari\u0105 viet\u0105 kiekvieno patyrusio investuotojo portfelyje. Aptarkime &#8211; kod\u0117l.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Obligacijos___kas_tai\">Obligacijos &#8211; kas tai?<\/h2>\n\n\n\n<p class=\"has-text-align-left\"><strong>Obligacija &#8211; skolos vertybinis popierius<\/strong>. \u0160is dokumentas patvirtina tur\u0117tojo teis\u0119 \u012f obligacijos vert\u0119 (suteikt\u0105 paskol\u0105), numatytas pal\u016bkanas bei kitas teises.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Paprastai tariant, obligacija stipriai primena paskolos teikimo sutart\u012f &#8211; skirtumas tas, jog obligacija yra gr\u0105\u017einama vienu mok\u0117jimu (i\u0161pirkimo momentu), o pal\u016bkanos yra mokamos 1-2 kartus per metus.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"palyginimas\">Obligacij\u0173 ir Akcij\u0173 palyginimas<\/h3><p><strong>Akcijos<\/strong> yra vertybinis popierius, suteikiantis nuosavyb\u0117s teis\u0119 \u012f \u012fmon\u0117s bei dividend\u0173 dal\u012f.<\/p>\n<p><strong>Obligacijos<\/strong> yra skolos vertybinis popierius, suteikiantis teis\u0119 \u012f paskol\u0105 (nurodom\u0105 obligacijoje) bei pal\u016bkanas.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Veikimo_Principas\">Veikimo Principas<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Paskolos gali prireikti ne tik fiziniams asmenims ar smulkiai \u012fmonei, bet ir stambiems verslams bei Savivaldyb\u0117ms \/ Vyriausybei. <\/p>\n\n\n\n<p class=\"has-text-align-left\">Verslams prireikia l\u0117\u0161\u0173 pl\u0117trai, dideli\u0173 objekt\u0173 statybai, apyvartai, o Savivaldyb\u0117ms\/Vyriausybei prireikia finansuoti didel\u012f projekt\u0105 ar papildyti biud\u017eet\u0105.<\/p>\n\n\n\n<p class=\"has-text-align-left\">\u0160i paskola da\u017eniausiai negali b\u016bti suteikta Banko &#8211; vietoj to, reikiamos l\u0117\u0161os yra gaunamos i\u0161leid\u017eiant Obligacijas.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"obligacijos-paskirtis\">Obligacija &#8211; kam ji skirta?<\/h3><p>Obligacija yra Vyriausybini\u0173 Institucij\u0173 bei dideli\u0173 \u012fmoni\u0173 b\u016bdas gauti reikiam\u0105 finansavim\u0105 &#8211; didel\u0119 paskol\u0105, kuri\u0105 finansuoja obligacij\u0173 pirk\u0117jai.<\/p>\n<p>\u00a0<\/p><\/div>\n\n\n<h4 class=\"wp-block-heading\">Obligacij\u0173 Procesas Paprastai:<\/h4>\n\n\n\n<ol>\n<li>Obligacijos yra i\u0161leid\u017eiamos u\u017e nominali\u0105 vert\u0119, su nurodytu terminu.<\/li>\n\n\n\n<li>Tur\u0117tojui yra mokamos pal\u016bkanos viso termino metu.<\/li>\n\n\n\n<li>Obligacijos yra i\u0161perkamos bei gr\u0105\u017einama nominalioji vert\u0117.<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"alignleft size-large\"><img decoding=\"async\" width=\"1024\" height=\"320\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-procesas-1-1024x320.png\" alt=\"\" class=\"wp-image-30076\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-procesas-1-1024x320.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-procesas-1-300x94.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-procesas-1-768x240.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-procesas-1-1536x480.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-procesas-1-2048x640.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Obligacij_Palkanos\">Obligacij\u0173 Pal\u016bkanos<\/h2>\n\n\n\n<p>Trumpai aptarkime, kok\u012f u\u017edarb\u012f Obligacijos savininkams gali pasi\u016blyti \u0161is skolos vertybinis popierius.<\/p>\n\n\n\n<p>Obligacijos Pal\u016bkanos priklauso nuo \u012fvairi\u0173 faktori\u0173, toki\u0173 kaip Obligacijos r\u016b\u0161is, emisija, terminas, nominali vert\u0117 ir taip toliau.<\/p>\n\n\n\n<p>Vidutini\u0161kai, Obligacijos gali pasi\u016blyti tarp 0.1 &#8211; 14% metin\u0117s gr\u0105\u017eos. \u012eprastai, Vyriausybin\u0117s obligacijos yra saugesn\u0117s bet moka ma\u017eesn\u0119 gr\u0105\u017e\u0105, o \u012fmoni\u0173 Obligacijos gali pasi\u016blyti didesn\u012f u\u017edarb\u012f.<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"palukanupavyzdziai\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_palukanupavyzdziai = echarts.init(document.getElementById('palukanupavyzdziai'));\n\t\t\tvar data_arr = [];\n\t\t\tvar val_arr = [];\n\t\t\tvar data_value = [\"8\",\"1.3\",\"6\",\"8\",\"5.5\",\"2\",\"7\"];\n\t\t\tvar data_name = [\"Admirals Group\",\"Altum (7m.)\",\"AUGA Group (5m.)\",\"BigBank\",\"Citadele (10m.)\",\"Ignitis Grup\\u0117 (10m.)\",\"Medicinos Bankas (7m.)\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; i < arrayLength; i++) {\n\t\t\t\tdata_arr.push(data_value[i]);\n\t\t\t\tval_arr.push(data_name[i]);\n\t\t\t}\n\t\t\toption = {\n\t\t\t\tbaseOption: {\n\t\t\t\t\tgrid: {\n\t\t\t\t\t\ttop: 85,\n\t\t\t\t\t\tleft: 50\n\t\t\t\t\t},\n\t\t\t\t\ttitle: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\ttext: 'Pal\u016bkan\u0173 Pavyzd\u017eiai',\n\t\t\t\t\t\tsubtext: '2022m. Nasdaq Informacija',\n\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\ttextAlign: 'left',\n\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\tfontWeight: 'bold',\n\t\t\t\t\t\t\tcolor: '#000000',\n\t\t\t\t\t\t},\n\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\tfontWeight: 'normal',\n\t\t\t\t\t\t\tcolor: '#999999',\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\titemSize: 20,\n\t\t\t\t\t\tshowTitle: true,\n\t\t\t\t\t\tfeature: {\n\t\t\t\t\t\t\tsaveAsImage: {\n\t\t\t\t\t\t\t\ticon: 'image:\/\/'+fs.theme_uri+'\/assets\/images\/icons-download-blue.svg',\n\t\t\t\t\t\t\t\ticonStyle: {\n\t\t\t\t\t\t\t\t\tcolor: '#2098ce',\n\t\t\t\t\t\t\t\t\tborderColor: '#2098ce',\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\ttitle: 'Atsisi\u0173sti',\n\t\t\t\t\t\t\t\tpixelRatio: '2',\n\t\t\t\t\t\t\t\tbackgroundColor: '#ffffff'\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tcolor: ['#60d394', '#2098ce', '#137dad'],\n\t\t\t\t\ttooltip : {\n\t\t\t\t\t\ttrigger: 'item',\n\t\t\t\t\t\t\tformatter: '{b0}: {c0}'\n\t\t\t\t\t\t},\n\t\t\t\t\tdataZoom: [\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttype: 'inside'\n\t\t\t\t\t\t}\n\t\t\t\t\t],\n\t\t\t\t\txAxis: {\n\t\t\t\t\t\ttype: 'category',\n\t\t\t\t\t\tdata: val_arr,\n\t\t\t\t\t\tname: 'Institucijos Pavadinimas, terminas',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '50',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\tinside: false,\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tformatter: function (value) {\n\t\t\t\t\t\t\t\t\/\/ Function to wrap text\n\t\t\t\t\t\t\t\tlet maxCharsPerLine = 10; \/\/ Adjust this value as needed\n\t\t\t\t\t\t\t\tlet words = value.split(' ');\n\t\t\t\t\t\t\t\tlet wrappedText = '';\n\t\t\t\t\t\t\t\tlet line = '';\n\n\t\t\t\t\t\t\t\twords.forEach(function(word) {\n\t\t\t\t\t\t\t\tif (line.length + word.length <= maxCharsPerLine) {\n\t\t\t\t\t\t\t\t\tline += word + ' ';\n\t\t\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\t\t\twrappedText += line.trim() + '\\n';\n\t\t\t\t\t\t\t\t\tline = word + ' ';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t});\n\n\t\t\t\t\t\t\t\twrappedText += line.trim();\n\t\t\t\t\t\t\t\treturn wrappedText;\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLine: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t},\n\t\t\t\t\tyAxis: {\n\t\t\t\t\t\ttype: 'value',\n\t\t\t\t\t\taxisLine: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\tname: 'Metin\u0117s pal\u016bkanos, %',\n\t\t\t\t\t\tnameLocation: 'middle',\n\t\t\t\t\t\tnameGap: '40',\n\t\t\t\t\t\tnameTextStyle: {\n\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisTick: {\n\t\t\t\t\t\t\tshow: false\n\t\t\t\t\t\t},\n\t\t\t\t\t\taxisLabel: {\n\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\tcolor: '#999'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tformatter: function (value, index) {\n\t\t\t\t\t\t\t\tvar milvalue = value;\n\t\t\t\t\t\t\t\tif (value > 999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000 + ' k';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000 + ' M';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000 + ' B';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\tif (value > 999999999999) {\n\t\t\t\t\t\t\t\t\tmilvalue = value\/1000000000000 + ' T';\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\treturn milvalue;\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\tseries: [{\n\t\t\t\t\t\tdata: data_arr,\n\t\t\t\t\t\ttype: 'bar',\n\t\t\t\t\t\tsymbol: 'circle',\n\t\t\t\t\t\tsymbolSize: '12',\n\t\t\t\t\t\tshowBackground: true,\n\t\t\t\t\t\tbackgroundStyle: {\n\t\t\t\t\t\t\tcolor: 'rgba(220, 220, 220, 0.4)'\n\t\t\t\t\t\t},\n\t\t\t\t\t}]\n\t\t\t\t},\n\t\t\t\tmedia: [\n\t\t\t\t\t{ query: {maxWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '5',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 10,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '15',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t}\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\n\t\t\tmyChart_palukanupavyzdziai.setOption(option);\n\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_palukanupavyzdziai.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/sutaupyk\/top-5-investavimo-platformos-pataria-ekspertai\/\" class=\"button  is-rounded is-primary is-medium is-fullwidth\" target=\"_blank\"  >Auk\u0161tesn\u0117 gr\u0105\u017ea &#8211; m\u016bs\u0173 atrinktos investavimo platformos<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Svarbiausi_Raktaodiai\">Svarbiausi Rakta\u017eod\u017eiai<\/h3>\n\n\n\n<p class=\"has-text-align-left\">Pradedant investuoti bei renkantis obligacijas, gali tekti susidurti su tam tikrais investavimo terminais.<\/p>\n\n\n\n<p>Trumpai ap\u017evelkime svarbiausius Obligacij\u0173 Terminus.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"Obligacij_Terminai\">Obligacij\u0173 Terminai<\/h3><li><p><strong>Nominali Vert\u0117.<\/strong><\/p>\n<p>Paskolos dydis, suteiktas su obligacija. Tai yra suma, kuri Obligacijos savininkui bus gr\u0105\u017einta i\u0161pirkimo metu.<\/p>\n<p>Tiesa, Obligacijos <em>nominali<\/em> vert\u0117, bei jos <em>kaina<\/em> bir\u017eoje da\u017eniausiai skiriasi &#8211; apie tai pakalb\u0117sime v\u0117liau.<\/p>\n<\/li><li><p><strong>Emitentas.<\/strong><\/p>\n<p>Emitentas \u2013 juridinis asmuo, leid\u017eiantis arba si\u016blantis i\u0161leisti vertybinius popierius (\u0161iuo atveju &#8211; Obligacijas).<\/p>\n<\/li><li><p><strong>Prospektas.<\/strong><\/p>\n<p>I\u0161sami informacija apie i\u0161leid\u017eiam\u0105 vertybin\u012f popieri\u0173. Jame nurodomos pal\u016bkanos, nominali vert\u0117, terminas, emisija, rizikos reitingas bei visa kita svarbiausia informacija.<\/p>\n<\/li><li><p><strong>Emisija.<\/strong><\/p>\n<p>I\u0161leid\u017eiam\u0173 vertybini\u0173 popieri\u0173 ,,tira\u017eas&#8221;. Pavyzd\u017eiui, jei i\u0161leid\u017eiama 100 000 obligacij\u0173, sakoma, jog Obligacij\u0173 emisija: 100 000.<\/p>\n<\/li><li><p><strong>Obligacijos I\u0161pirkimo Terminas.<\/strong><\/p>\n<p>Dar vadinamas galiojimo terminu (ar tiesiog terminu), \u0161is rakta\u017eodis nusako, per kok\u012f laik\u0105 Emitentas privalo i\u0161pirkti obligacijas bei gr\u0105\u017einti l\u0117\u0161as.<\/p>\n<\/li><li><p><strong>Obligacijos atkarpa \/ pal\u016bkanos \/ kuponas.<\/strong><\/p>\n<p>Tai sinonimai, nusakantys metin\u0117s gr\u0105\u017eos dyd\u012f, skai\u010diuojam\u0105 nuo nominalios vert\u0117s. Pavyzd\u017eiui, 1 000\u20ac Obligacija, kurios kuponas &#8211; 10%, per metus Obligacijos savininkui sumok\u0117s 100\u20ac gr\u0105\u017eos.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Obligacij_Pirkimas\">Obligacij\u0173 Pirkimas<\/h2>\n\n\n\n<p>Obligacij\u0173 i\u0161leidimo metu, jos i\u0161 prad\u017ei\u0173 yra parduodamos pirmin\u0117je rinkoje &#8211; si\u016blomos institucijoms bei didmeniniams investuotojams.<\/p>\n\n\n\n<p class=\"has-text-align-left\">Obligacijas, kaip ma\u017emeninis investuotojas, j\u016bs gal\u0117site \u012fsigyti antrin\u0117je rinkoje &#8211; Vertybini\u0173 Popieri\u0173 Bir\u017eoje.<\/p>\n\n\n\n<p><strong>\u012esigij\u0119 norim\u0105 Obligacij\u0105, j\u016bs gal\u0117site:<\/strong><\/p>\n\n\n\n<ul>\n<li>Laikyti obligacij\u0105 bei gauti pal\u016bkanas.<\/li>\n\n\n\n<li>Parduoti obligacij\u0105 bei atgauti kapital\u0105 (ar net u\u017edirbti).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Kaina_skiriasi_nuo_nominalios\">Kaina skiriasi nuo nominalios<\/h3>\n\n\n\n<p>Nors Obligacij\u0173 nominali vert\u0117 nusako i\u0161pirkimo metu gr\u0105\u017einam\u0105 sum\u0105, kaip ir nustatyt\u0173 pal\u016bkan\u0173 skai\u010diavim\u0105, vis d\u0117lto da\u017eniausiai reali obligacijos kaina bir\u017eoje &#8211; skiriasi nuo nominalios.<\/p>\n\n\n\n<p>Obligacijos kaina priklauso nuo \u012fvairi\u0173 aspekt\u0173 &#8211; investuotoj\u0173 nuotaik\u0173, Emitento pad\u0117ties, ekonomin\u0117s pad\u0117ties, obligacijos sukaupt\u0173 pal\u016bkan\u0173 ir pan.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/wiki\/investavimo-pradziamokslis-kur-investuoti-pinigus\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Investavimo Prad\u017eiamokslis &#8211; geriausi investavimo b\u016bdai<\/a><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Obligacij_Rys\">Obligacij\u0173 R\u016b\u0161ys<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Skolos vertybinius popierius galima skirstyti pagal daugel\u012f aspekt\u0173 (gr\u0105\u017eos mok\u0117jimo b\u016bd\u0105, draudim\u0105, rizikingum\u0105 ir pan.), ta\u010diau populiariausias skirstymas &#8211; pagal kilm\u0119.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Skolos vertybiniai popieriai skirstomi \u012f:<\/h4>\n\n\n\n<ul>\n<li>Valstybin\u0117s Obligacijas.<\/li>\n\n\n\n<li>Priva\u010di\u0173 \u012emoni\u0173 Obligacijas.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-embeddable\"><img decoding=\"async\" width=\"1024\" height=\"740\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-skirstymas-1-1-1024x740.png\" alt=\"\" class=\"wp-image-30131\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-skirstymas-1-1-1024x740.png 1024w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-skirstymas-1-1-300x217.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-skirstymas-1-1-768x555.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-skirstymas-1-1-1536x1110.png 1536w, https:\/\/financer.global\/app\/uploads\/sites\/15\/2022\/12\/lt-obligacijos-skirstymas-1-1-2048x1480.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Obligacijos_vs_Akcijos\">Obligacijos vs. Akcijos<\/h2>\n\n\n\n<p class=\"has-text-align-left\">Palyginkime Obligacijas su Akcijomis. Jau min\u0117jome, jog Akcijos yra vertybinis popierius, suteikiantis turtines bei neturtines teises.<\/p>\n\n\n\n<p>Obligacija &#8211; <strong><em>skolos<\/em><\/strong> vertybinis popierius, suteikiantis teis\u0119 \u012f obligacijos nominali\u0105 vert\u0119 bei pal\u016bkanas.<\/p>\n\n\n\n<p>Abu vertybiniai popieriai gali b\u016bti perkami bei parduodami bir\u017eoje, ta\u010diau tuo pa\u010diu d\u0117l savo prigimties smarkiai skiriasi.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Pagrindiniai skirtumai:<\/h4>\n\n\n\n<ol>\n<li>Rizika.<\/li>\n\n\n\n<li>Terminai.<\/li>\n\n\n\n<li>Rinkos svyravimai.<\/li>\n\n\n\n<li>Pelningumas.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i1_Maesn_Rizika\">1. Ma\u017eesn\u0117 Rizika<\/h3>\n\n\n\n<p>Nors ir Akcijos ilguoju laikotarpiu da\u017eniausiai yra pelningesn\u0117s, obligacijos gali pasi\u016blyti \u017eenkliai ma\u017eesn\u0119 rizik\u0105.<\/p>\n\n\n\n<p>Turint Obligacij\u0105, \u0161\u012f vert. popieri\u0173 i\u0161davusi institucija yra jums finansi\u0161kai \u012fsipareigojusi &#8211; j\u016bs tampate kreditoriumi.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><h3 id=\"obligacijossaugesnes\">Obligacijos &#8211; saugesn\u0117s Bankroto atveju<\/h3><p>Bankroto atveju, \u012fmon\u0117 pirmiausiai padengia finansinius \u012fsipareigojimus (\u012fskaitant obligacij\u0173 i\u0161pirkim\u0105), o tik tada padalina likus\u012f savo turt\u0105 akcininkams.<\/p>\n<p style=\"text-align: center;\">Obligacijos tur\u0117tojai atgauna nominali\u0105 vert\u0119, o Akcininkams nieko nelieka.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i2_Terminuota_Investicija\">2. Terminuota Investicija<\/h3>\n\n\n\n<p>Kitas skirtumas yra tas, jog Akcijos &#8211; neterminuotos, o Obligacijos &#8211; terminuotos.<\/p>\n\n\n\n<p>Obligacijos i\u0161 esm\u0117s yra paskola, tad nat\u016bralu, jog Obligacijoms taikomas ir skolos gr\u0105\u017einimo terminas. <\/p>\n\n\n\n<p>Obligacijomis galima prekiauti iki paskutin\u0117s dienos prie\u0161 i\u0161pirkimo dat\u0105.<\/p>\n\n\n\n<p>I\u0161pirkimo terminas da\u017eniausiai svyruoja tarp <strong>1 &#8211; 30 met\u0173<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><h3 id=\"trukme\">Obligacij\u0173 Trukm\u0117s skirstymas<\/h3><li><p><strong>Trumpalaik\u0117s Obligacijos.<\/strong><\/p>\n<p>I\u0161pirkimo terminas: 1 &#8211; 5 metai.<\/p>\n<\/li><li><p><strong>Vidutin\u0117s trukm\u0117s Obligacijos.<\/strong><\/p>\n<p>I\u0161pirkimo terminas: 5 &#8211; 12 met\u0173.<\/p>\n<\/li><li><p><strong>Ilgalaik\u0117s Obligacijos.<\/strong><\/p>\n<p>I\u0161pirkimo terminas: vir\u0161 12 met\u0173.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"i3_Rinkos_Svyravimai\">3. Rinkos Svyravimai.<\/h3>\n\n\n\n<p>Obligacijos nuo Akcij\u0173 taip pat skiriasi ir tuo, kaip stipriai kei\u010diasi \u0161i\u0173 vertybini\u0173 popieri\u0173 kaina pagal rinkos svyravimus<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><h3 id=\"svyravimoskirtumas\">Obligacijos &#8211; stabilesn\u0117s<\/h3><p>Obligacij\u0173 kaina bir\u017eoje svyruoja \u017eymiai ma\u017eiau, nei Akcij\u0173.<\/p>\n<p>I\u0161 Akcij\u0173 u\u017edirbama jas parduodant, o i\u0161 Obligacij\u0173 &#8211; gaunant pal\u016bkanas.<\/p><\/div>\n\n\n<h4 class=\"wp-block-heading\">Ma\u017eesnis u\u017edarbis<\/h4>\n\n\n\n<p>Ma\u017eesnis svyravimas rei\u0161kia, jog i\u0161 Obligacij\u0173 svyravimo gal\u0117site u\u017edirbti ma\u017eiau, nei i\u0161 Akcij\u0173. B\u016btent tod\u0117l Obligacij\u0173 tur\u0117tojams svarbesn\u0117s mokamos pal\u016bkanos.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Ma\u017eesni nuostoliai<\/strong><\/h4>\n\n\n\n<p>Jei Obligacij\u0173 ir Akcij\u0173 kaina krist\u0173 vienu metu, Obligacij\u0173 vert\u0117 kris \u017eymiai l\u0117\u010diau.<\/p>\n\n\n\n<p>Taip pat, Obligacijos moka stabilias pal\u016bkanas (neb\u016btina j\u0173 pardavin\u0117ti, kad gauti pelno), tad Obligacij\u0173 savininkams rinkos kaina kai kuriais atvejais gali b\u016bti net nesvarbi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"i4_Pelningumas\">4. Pelningumas.<\/h3>\n\n\n\n<p>\u012evertinkime ir Obligacij\u0173 pelningum\u0105, j\u012f lyginant su Akcijomis.<\/p>\n\n\n\n<p>Nors Akcijos gali mok\u0117ti dividendus, \u0161ie n\u0117ra pastov\u016bs ir da\u017eniausiai sudaro labai ma\u017e\u0105 gr\u0105\u017eos dal\u012f. Atvirk\u0161\u010diai su Obligacijomis &#8211; \u0161ios moka pastovias pal\u016bkanas, ta\u010diau u\u017edirbti i\u0161 j\u0173 kainos svyravimo rinkoje yra sunkiau.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Galima sakyti, jog:<\/h4>\n\n\n\n<ul>\n<li><strong>Akcijos<\/strong> generuoja pajamas i\u0161 kapitalo prieaugio (vert\u0117s augimo),<\/li>\n\n\n\n<li><strong>Obligacijos<\/strong> generuoja pajamas i\u0161 gaunam\u0173 fiksuot\u0173 pal\u016bkan\u0173.<\/li>\n<\/ul>\n\n\n\n<p>Obligacijos yra laikomos saugesne bei stabilesne investicija, o Akcijos &#8211; pelningesne.<\/p>\n\n\n<div class=\"fn_block block_fn_charts\"><div id=\"vidutinegraza\" style=\"max-width:730px;width:100%;height:400px;margin:auto;\"><\/div><\/div>\t<script type=\"text\/javascript\">\n\t\tsetTimeout(function() {\n\t\t\tvar myChart_vidutinegraza = echarts.init(document.getElementById('vidutinegraza'));\n\t\t\tvar data_arr = [];\n\t\t\tvar data_value = [\"10\",\"5.5\"];\n\t\t\tvar data_name = [\"Akcijos\",\"Obligacijos\"];\n\t\t\tvar arrayLength = data_value.length;\n\t\t\tfor (var i = 0; i < arrayLength; i++) {\n\t\t\t\tvar item = {value: data_value[i], name:data_name[i]};\n\t\t\t\tdata_arr.push(item);\n\t\t\t}\n\t\t\tvar option = {\n\t\t\t\tbaseOption: {\n\t\t\t\t\ttitle: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\ttext: 'Vidutin\u0117 Metin\u0117 Gr\u0105\u017ea',\n\t\t\t\t\t\tsubtext: 'Vidutin\u0117 gr\u0105\u017ea nuo 1926m.',\n\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\ttextAlign: 'left',\n\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\tfontWeight: 'bold',\n\t\t\t\t\t\t\tcolor: '#000000',\n\t\t\t\t\t\t},\n\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\tfontWeight: 'normal',\n\t\t\t\t\t\t\tcolor: '#999999',\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\tshow: '1',\n\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\titemSize: 20,\n\t\t\t\t\t\tshowTitle: true,\n\t\t\t\t\t\tfeature: {\n\t\t\t\t\t\t\tsaveAsImage: {\n\t\t\t\t\t\t\t\ticon: 'image:\/\/'+fs.theme_uri+'\/assets\/images\/icons-download-blue.svg',\n\t\t\t\t\t\t\t\ticonStyle: {\n\t\t\t\t\t\t\t\t\tcolor: '#2098ce',\n\t\t\t\t\t\t\t\t\tborderColor: '#2098ce',\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\ttitle: 'Atsisi\u0173sti',\n\t\t\t\t\t\t\t\tpixelRatio: '2',\n\t\t\t\t\t\t\t\tbackgroundColor: '#ffffff'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\tfontFamily: 'Poppins, arial, sans-serif',\n\t\t\t\t\t\tfontWeight: 'lighter',\n\t\t\t\t\t\tfontSize: '14'\n\t\t\t\t\t},\n\t\t\t\t\tcolor: ['#fdce54','#60d394', '#d34a4a', '#2098ce', '#f5e7d8', '#137dad', '#c5b7a8'],\n\t\t\t\t\ttooltip : {\n\t\t\t\t\ttrigger: 'item',\n\t\t\t\t\t\tformatter: '{b0}: {c0}'\n\t\t\t\t\t},\n\t\t\t\t\tlegend: { orient: 'vertical', right: 20, bottom: 20 },\n\t\t\t\t\tseries : [\n\t\t\t\t\t\t{\n\t\t\t\t\t\t\ttype: 'pie',\n\t\t\t\t\t\t\tradius : ['80%', '52%'],\n\t\t\t\t\t\t\ttop: 0,\n\t\t\t\t\t\t\tleft: 0,\n\t\t\t\t\t\t\tanimation: true,\n\t\t\t\t\t\t\t\n\t\tlabel: {\n\t\t\tnormal: {\n\t\t\t\tposition: 'center',\n\t\t\t\tshow: false,\n\t\t\t\tfontSize: 14,\n\t\t\t}\n\t\t},\n\t\n\t\t\t\t\t\t\temphasis: {\n\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\tshow: true,\n\t\t\t\t\t\t\t\t\tfontSize: '18',\n\t\t\t\t\t\t\t\t\tfontWeight: 'bold'\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\tshow: '',\n\t\t\t\t\t\t\t\t\tlength: 20,\n\t\t\t\t\t\t\t\t\tlength2: 30,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tstartAngle: 110,\n\t\t\t\t\t\t\tcenter: ['50%', '50%'],\n\t\t\t\t\t\t\tselectedMode: 'single',\n\t\t\t\t\t\t\tdata: data_arr,\n\t\t\t\t\t\t\titemStyle: {\n\t\t\t\t\t\t\t\tborderColor: '#FFFFFF',\n\t\t\t\t\t\t\t\tborderWidth: 3,\n\t\t\t\t\t\t\t\temphasis: {\n\t\t\t\t\t\t\t\t\tborderWidth: 0,\n\t\t\t\t\t\t\t\t\tshadowBlur: 10,\n\t\t\t\t\t\t\t\t\tshadowOffsetX: 0,\n\t\t\t\t\t\t\t\t\tshadowColor: 'rgba(0, 0, 0, 0.5)'\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t}\n\t\t\t\t\t]\n\t\t\t\t},\n\t\t\t\tmedia: [\n\t\t\t\t\t{ query: {maxWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '5',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 10,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '15',\n\t\t\t\t\t\t\t\ttop: '5',\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tseries : [\n\t\t\t\t\t\t\t\t{\n\t\t\t\t\t\t\t\t\tradius : ['52%', '33.8%'],\n\t\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tfontSize: 10\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tlength: 10,\n\t\t\t\t\t\t\t\t\t\t\tlength2: 10,\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tcenter: ['50%', '40%'],\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\t\t\t\t\t{ query: {minWidth: 450},\n\t\t\t\t\t\toption: {\n\t\t\t\t\t\t\ttitle: {\n\t\t\t\t\t\t\t\tleft: '10',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t\ttextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 20,\n\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\tsubtextStyle: {\n\t\t\t\t\t\t\t\t\tfontSize: 14,\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\ttoolbox: {\n\t\t\t\t\t\t\t\tright: '25',\n\t\t\t\t\t\t\t\ttop: '10',\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tseries : [\n\t\t\t\t\t\t\t\t{\n\t\t\t\t\t\t\t\t\tradius : ['80%', '52%'],\n\t\t\t\t\t\t\t\t\tlabel: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tfontSize: 14\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tlabelLine: {\n\t\t\t\t\t\t\t\t\t\tnormal: {\n\t\t\t\t\t\t\t\t\t\t\tlength: 20,\n\t\t\t\t\t\t\t\t\t\t\tlength2: 30,\n\t\t\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\t\t\tcenter: ['50%', '50%'],\n\t\t\t\t\t\t\t\t}\n\t\t\t\t\t\t\t]\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t]\n\t\t\t};\n\t\t\tmyChart_vidutinegraza.setOption(option);\n\t\t\twindow.addEventListener('resize', function(){\n\t\t\t\tsetTimeout(function () {\n\t\t\t\t\tmyChart_vidutinegraza.resize();\n\t\t\t\t}, 200);\n\t\t\t});\n\t\t}, 1000);\n\t<\/script>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"P2P_Platformos___Obligacij_Konkurentas\">Finansavimo Platformos - Obligacij\u0173 Konkurentas<\/h2>\n\n\n\n<p>Sutelktinio finansavimo platformos - tiesioginis konkurentas Obligacijoms. Ta\u010diau kas yra sutelktinio finansavimo platformos?<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"investavimoplatformakastai\">Investavimo Platformos apibr\u0117\u017eimas<\/h3><p><strong>Sutelktinio Finansavimo Platforma<\/strong> - profesional\u0173 valdoma svetain\u0117, sujungianti perspektyvius projektus su investuotojais, norin\u010diais juos finansuoti.<\/p>\n<p>Platforma \u012fmon\u0117ms suteikia galimyb\u0119 gauti reikiam\u0105 finansavim\u0105, o investuotojams - finansuoti pasirinktus projektus bei u\u017edirbti pal\u016bkan\u0173.<\/p><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Panaumai_ir_Skirtumai\">Pana\u0161umai ir Skirtumai<\/h3>\n\n\n\n<p>Trumpai aptarkime pagrindinius platform\u0173 ir Obligacij\u0173 pana\u0161umus bei skirtumus.<\/p>\n\n\n\n<p>Nors abu investavimo b\u016bdai suteikia teis\u0119 \u012f suteikt\u0105 paskol\u0105, yra keletas pamatini\u0173 skirtum\u0173, kuriuos vert\u0117t\u0173 \u017einoti.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-embeddable\"><table><thead><tr><th><\/th><th>Investavimo Platforma<\/th><th>Obligacijos<\/th><\/tr><\/thead><tbody><tr><td><strong>Finansavimo Gav\u0117jas<\/strong><\/td><td>Juridiniai \/ Fiziniai asmenys<\/td><td>Stambios \u012fmon\u0117s \/ Vyriausyb\u0117<\/td><\/tr><tr><td><strong>Minimali Investicija<\/strong><\/td><td>nuo 5\u20ac<\/td><td>Prospekte (da\u017enai: &gt;100\u20ac)<\/td><\/tr><tr><td><strong>\u012esigijimo vieta<\/strong><\/td><td>Platform\u0173 Svetain\u0117<\/td><td>Vertybini\u0173 Popieri\u0173 Bir\u017ea<\/td><\/tr><tr><td><strong>Ar galima parduoti?<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-29876\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/pros.png\" alt=\"\"><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-29876\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/pros.png\" alt=\"\"><\/td><\/tr><tr><td><strong>Mokama Gr\u0105\u017ea<\/strong><\/td><td>7 - 19%<\/td><td>0.1 - 14%<\/td><\/tr><tr><td><strong>Terminas<\/strong><\/td><td>1 sav. - 5 metai<\/td><td>1 - 30 met\u0173<\/td><\/tr><tr><td><strong>Investicij\u0173 Apsauga<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-29876\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/pros.png\" alt=\"\"><\/td><td>Kartais<\/td><\/tr><tr><td><strong>Pal\u016bkan\u0173 Mok\u0117jimas<\/strong><\/td><td>kas m\u0117nes\u012f<\/td><td>1 - 2 k. per metus<\/td><\/tr><tr><td><strong>Finansavimo Gr\u0105\u017einimas<\/strong><\/td><td>Dalimis, <br>kas m\u0117nes\u012f<\/td><td>Vienu kartu,<br>i\u0161pirkimo dat\u0105<\/td><\/tr><tr><td><strong>Rizikos Reitingas<\/strong><\/td><td><img decoding=\"async\" width=\"20\" height=\"27\" class=\"wp-image-29876\" style=\"width: 20px;\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/15\/2022\/12\/pros.png\" alt=\"\"><\/td><td>kartais<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.lt\/how-to\/investavimo-platformos-kodel-ir-kokia-pasirinkti\/\" class=\"button  is-rounded is-primary is-medium is-arrow is-fullwidth\" target=\"_blank\"  >Investavimo Platformos: I\u0161sami Ap\u017evalga<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Obligacijos___Danai_Uduodami_Klausimai\">Obligacijos - Da\u017enai U\u017eduodami Klausimai<\/h3><h4>Kas yra Obligacija?<\/h4><div class=\"faq_inner\"><p>Obligacija yra terminuotas ne nuosavyb\u0117s vertybinis popierius, pagal kur\u012f bendrov\u0117 (ar Vyriausyb\u0117), i\u0161leid\u017eianti obligacijas, tampa obligacijos savininko skolininke ir prisiima \u012fsipareigojimus obligacijos savininko naudai (moka pal\u016bkanas).<\/p><\/div><h4>Kaip u\u017edirbama i\u0161 Obligacij\u0173?<\/h4><div class=\"faq_inner\"><p>Obligacijos savininkas turi teis\u0119 \u012f pal\u016bkanas, skai\u010diuojamas nuo obligacijoje nurodytos nominaliosios vert\u0117s. Obligacijos savininkas u\u017edirba i\u0161 pal\u016bkan\u0173, arba gali obligacijas parduoti kitam investuotojui.<\/p><\/div><h4>Kaip da\u017enai yra mokamos pal\u016bkanos?<\/h4><div class=\"faq_inner\"><p>Pal\u016bkanos da\u017eniausiai yra mokamos 1 - 2 kartus per metus. Pal\u016bkan\u0173 mok\u0117jimo da\u017enis i\u0161 anksto nurodomas prospekte.<\/p><\/div><h4>Obligacijos - kiek galima u\u017edirbti?<\/h4><div class=\"faq_inner\"><p>Vidutini\u0161kai, i\u0161 Obligacij\u0173 u\u017edirbama apie 5.5% gr\u0105\u017eos per metus.<\/p><\/div><h4>Kas yra Obligacijos nominali vert\u0117?<\/h4><div class=\"faq_inner\"><p>Nominali vert\u0117 - suma, kuri\u0105 investuotojas paskolina bendrovei\/vyriausybei, \u012fsigydamas vien\u0105 obligacij\u0105.<\/p><\/div><h4>Kas yra Obligacijos kaina?<\/h4><div class=\"faq_inner\"><p>Obligacijos kaina - faktin\u0117 suma, kuri\u0105 investuotojas sumoka pirkdamas obligacij\u0105 bir\u017eoje. Nors obligacijos pirmin\u0117je rinkoje (tiesiai i\u0161 bendrov\u0117s\/vyriausyb\u0117s) yra parduodamos u\u017e nominali\u0105 vert\u0119, antrin\u0117je rinkoje tos pa\u010dios obligacijos kaina gali b\u016bti auk\u0161tesn\u0117 ar \u017eemesn\u0117 u\u017e nominali\u0105.<\/p><\/div><h4>Ar Obligacijos ma\u017eiau rizikingos nei Akcijos?<\/h4><div class=\"faq_inner\"><p>Taip - obligacijos \u012fpareigoja j\u0105 i\u0161davusi\u0105 institucij\u0105\/bendrov\u0119 jums gr\u0105\u017einti nominali\u0105 vert\u0119, o Akcijos savininkai prisiima vis\u0105 rizik\u0105 u\u017e bendrov\u0117s s\u0117km\u0119 \/ nes\u0117km\u0119.<\/p><\/div><h4>Ar Obligacijos gali b\u016bti i\u0161pirktos anks\u010diau termino?<\/h4><div class=\"faq_inner\"><p>Taip, Obligacijos yra i\u0161perkamos anks\u010diau termino gan\u0117tinai da\u017enai.<\/p>\n<p>Taip \u012fvykti gali d\u0117l skirting\u0173 prie\u017eas\u010di\u0173 (da\u017eniausiai - d\u0117l rinkoje nukritusios pal\u016bkan\u0173 normos). Obligacij\u0173 savininkai apie i\u0161ankstin\u012f i\u0161pirkim\u0105 da\u017eniausiai yra persp\u0117jami prie\u0161 30 dien\u0173.<\/p><\/div><h4>Kas gali i\u0161leisti Obligacijas?<\/h4><div class=\"faq_inner\"><p>Obligacijos gali b\u016bti leid\u017eiamos stambi\u0173 versl\u0173 bei Vyriausyb\u0117s (ar Savivaldybi\u0173).<\/p><\/div><\/div>","protected":false},"author":100,"featured_media":30053,"comment_status":"open","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":true,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false,"footnotes":""},"categories":[35],"_links":{"self":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/30046"}],"collection":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/users\/100"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/comments?post=30046"}],"version-history":[{"count":51,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/30046\/revisions"}],"predecessor-version":[{"id":41589,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/wiki\/30046\/revisions\/41589"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media\/30053"}],"wp:attachment":[{"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/media?parent=30046"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.lt\/wp-json\/wp\/v2\/categories?post=30046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}