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Broj prodatih proizvoda u direktnoj prodaji se nije promenio, dok je u onlajn prodavnici skoÄio za 10 odsto u odnosu na februar, dodaje Denisenko.
Optimizacija portfelja u skladu s poreznim okvirom u Hrvatskoj će doći do izražaja tek uvoÄ‘enjem poreza na kapitalnu dobit 2016. Sam vrh piramide rezerviran je za selekciju i odabir konkretnih investicijskih destinacija, redovito pobuÄ‘ujuću sumnju i zbunjenost kod ulagaÄa. Odabir financijskih instrumenata dolazi tek na kraju? Kako je uopće moguće da su tako kljuÄne odluke, koje će definirati izgled i konstrukciju portfelja na zadnjem mjestu? Stotine znanstvenika, akademika i analitiÄara potroÅ¡ile je sate i sate na analizu individualnih portfelja i ponaÅ¡anje malih ulagaÄa, neumitno sve vraćajući istovjetnom zakljuÄku - konkretni obrisi investicijske strategije i odabir instrumenta za provedbu iste uopće nisu presudni za konaÄan ishod.
U pokuÅ¡aju da sažmu cijeli niz istraživanja vezanih uz ponaÅ¡anje (malih) investitora i izoliraju esencijalne zakljuÄke, analitiÄari Morningstara ProfessionalÅ¡le su godine promovirali „investicijsku piramidu“ - relativno jednostavan koncept koji nudi osnove ulaganja i Å¡tednje za budućnost (mirovinu). Na prvi pogled, rijeÄ je tek o pukom dijagramu u Äijim je temeljima (na prvome mjestu) stavka „definiranje ciljeva“, polaziÅ¡na toÄka bez koje se svaka investicijska strategija lako može pretvoriti u stihiju s poražavajućim rezultatima. I dok se za prosjeÄnog hrvatskog ulagaÄa pitanje definiranja ciljeva može Äiniti posve trivijalnim, u razvijenim je zemljama (a dokument je prije svega namijenjen ameriÄkim klijentima) ta osnova priliÄno kompleksna, uvjetovana nizom poreznih olakÅ¡ica i specifiÄnih kategorija ulaganja sa strogo odreÄ‘enom namjenom.
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„Veliki procenat ljudi poÄeo je kod kuće i od besposlenosti kupuju ne samo pidžame i joga prostirke, već i proizvode iz seks-Å¡opa. To su uglavnom kondomi, ali i drugi proizvodi se dobro prodaju", kaže Smirnov.
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Nakon Å¡to stvari razmotrimo iz bihevioristiÄke perspektive, slijedi optimizacija portfelja u skladu s poreznim okvirom, Å¡to će u Hrvatskoj tek doći do punog izražaja, primjenom poreza na kapitalnu dobit od sijeÄnja iduće godine. Ova stavka iziskuje niz naoko sitnih prilagodbi koje u konaÄnici, zbog cijelog niza varijabli, mogu bitno promijeniti konaÄan rezultat.
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