WHICH INVESTMENT WILL YOU DECIDE FOR TODAY?

The ECB’s monetary policy continues to be based on low interest rates, which will certainly change with the growing inflationary pressures we have witnessed in recent months. Despite low interest rates, the deposits of bank customers in Slovenia are still growing in both households and companies. According to the Bank of Slovenia, households had deposits of EUR 23,0 billion at the end of May 2021 and increased by EUR 0,6 billion in 2021 alone, while companies had deposits of EUR 8,5 billion at the end of May 2021. funding increased by almost EUR 0,5 billion in 2021. This increase in funds can be attributed to the element of prudence and security, which is strongly rooted in Slovenians, who are very careful in consumption and investment.

The structure of savings in banks has also changed recently, as there are fewer and fewer time deposits, and the available balances on transaction accounts are accumulating. Savers are waiting for the right moment for other forms of investment or they simply do not know where to put their savings. Additional uncertainty is caused by the already mentioned inflationary pressures, which are the result of rising prices of mainly raw materials and materials and the economic recovery, which will affect the negative real returns on such investments. In May 2021, the monthly price growth rate in Slovenia was 0.9%, while at the annual rate inflation was 2.1%. Inflation reduces the value of money in real terms and, consequently, real returns are also lower, and in the case of a bank deposit, the return in the observed period is realistically negative. Let’s also look at the investment real estate market, where flats for rent on average achieve an annual return of between 3-5%. It is known that in the period of higher inflation, investments in raw materials, especially gold, are appropriate, but recently, due to easier accessibility, it has become a speculative investment with significant fluctuations. Real investment, which includes real estate, is also one of the options for hedging against inflation, but the liquidity aspect needs to be highlighted, as real estate investment is poorly liquid in the short term. Depending on the situation in the real estate market and the financial condition of the investor, a sale with a loss may happen soon, there may be problems with tenants and a few months of non-leasing the property, there is no diversification of investment and the dependence on investment is significant. At a time of increased inflation, the prices of both real estate and rents are rising, but the question is to what extent the increase in such prices will be tolerated by the Slovenian real estate market and whether we are not at the upper limit at the moment.

However, it is advisable to invest in alternative forms of investment, which include real estate and infrastructure funds, purchase of receivables and other investments. Less known are investments or funds that repurchase receivables in their investment policy. It is necessary to distinguish between receivables from companies and those from individuals, as the former are much riskier in terms of possible deterioration of corporate liquidity than receivables from individuals, which are in lower amounts and individuals guarantee with all their assets. In addition, such receivables are mostly insured with insurance companies, which further minimizes the risk. Superos Fund Management Ltd. manages the alternative investment fund Superos Stability Fund, which, according to its investment policy, invests the assets of well-informed investors exclusively in receivables from natural persons who are at the same time Slovenian citizens. The investment in this fund is diversified and consequently less risky, while achieving a significantly higher annual return.

Matevž Raztočnik

Matevž Raztočnik

CEO pri Superos, upravljanje alternativnih investicijskih skladov, d.o.o.
Director SFM

Andrej Laznik

With flexible financial solutions according to the highest business and moral standards, as well as an agile and dynamic customer-centric approach, we want to raise the bar when setting new standards. We believe and constantly prove that our approach is superb and we are best-equipped for the challenges of the future.

Founder

Klemen Mlakar

In his varied career Klemen has led and successfully managed assets of big investors. He is an expert in setting strategies, designing risk processes, and leading companies to financial stability. Klemen has seen numerous complex restructurings to successful ends, and led some of the most important merger projects in the region.

Founder

Boštjan Klinec

Boštjan is an expert with more than 20 years of international experience in insurance, banking, asset management, and leading investment funds. He has successfully led multiple projects focused on opening new markets, leading new companies abroad, and, once there, expanding them into local success stories.

Director Superos Fund Management

Andrej Laznik

In his diverse and extensive career, Andrej has more than 30 years of experience in leading large companies, establishing optimal organisationsand processes after company mergers, directing optimisation processes and streamlining expenses, all with the goal of cementing financial and business success.

Head of Back Office

Tanja Močnik

Tanja has over 20 years of experience at ALTA Invest and Poteza d.o.o.. Her expertise ranges from managing all the company‘s internal processes to leading its sales network. She has successfully run and integrated an enviable number of developmental projects.

Sales Director

Mateja Zavadlal

Throughout her more than 20-year career, Mateja has acquired extensive experience in both the public and private sectors in Slovenia and abroad. She built her career in management by leading mergers, directing financial and organisational restructurings, and leading companies in a variety of fields. Mateja is focused on establishing a company’s culture, streamlining business processes and building strong, successful teams.

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