{"id":1457,"date":"2025-12-18T14:08:50","date_gmt":"2025-12-18T13:08:50","guid":{"rendered":"http:\/\/wem.diorama.link\/wealth-managera-z-vas-neurobia-slova-ai-ani-portfolia\/"},"modified":"2025-12-18T14:08:50","modified_gmt":"2025-12-18T13:08:50","slug":"wealth-managera-z-vas-neurobia-slova-ai-ani-portfolia","status":"publish","type":"post","link":"https:\/\/wem.diorama.link\/sk\/insights\/wealth-managera-z-vas-neurobia-slova-ai-ani-portfolia\/","title":{"rendered":"Wealth managera z v\u00e1s neurobia slov\u00e1, AI ani portf\u00f3li\u00e1."},"content":{"rendered":"\n

\u201cWealth management\u201d sa st\u00e1va st\u00e1le \u010dastej\u0161ie sklo\u0148ovan\u00fdm pojmom. Ako pri ka\u017edom novom trende, aj tento so sebou prin\u00e1\u0161a nielen snahu obsadi\u0165 \u010do najviac trhu, ale tie\u017e rozdielnosti v kvalite a pr\u00edstupe. O wealth managemente, jeho n\u00e1plni, komplexite a podob\u00e1ch hovor\u00edme s jedn\u00fdm z najdlh\u0161ie p\u00f4sobiacich hr\u00e1\u010dov na slovenskom trhu \u2014 s Petrom \u0160tadlerom, gener\u00e1lnym riadite\u013eom (CEO) spolo\u010dnosti Wealth Effect Management. <\/em><\/p>\n\n\n\n

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Za\u010dnime od za\u010diatku \u2014 \u010do je vlastne \u201cwealth management\u201d a ako sa odli\u0161uje od tradingu alebo be\u017en\u00e9ho finan\u010dn\u00e9ho poradenstva, ako ho pozn\u00e1 v\u00e4\u010d\u0161ina \u013eud\u00ed? <\/strong><\/h2>\n\n\n\n

Povedan\u00e9 stru\u010dne, wealth management je komplexn\u00e1 spr\u00e1va majetku, ktor\u00e1 zah\u0155\u0148a \u0161irok\u00fa \u0161k\u00e1lu slu\u017eieb \u2014 od investi\u010dn\u00fdch cez podnikate\u013esk\u00e9, pr\u00e1vne, \u00fa\u010dtovn\u00e9 a\u017e lifestylov\u00e9. <\/p>\n<\/div>\n\n\n\n

V neposlednom rade, skuto\u010dn\u00fd wealth management vznik\u00e1 a\u017e tam, kde v\u0161etko vy\u0161\u0161ie uveden\u00e9 prerastie do vz\u0165ahu d\u00f4vern\u00e9ho spolo\u010dn\u00edka \u2014 \u010di u\u017e je to spolo\u010dn\u00edk majetn\u00e9ho jednotlivca alebo cel\u00fdch rod\u00edn. <\/p>\n\n\n\n

Trading \u010di be\u017en\u00e9 finan\u010dn\u00e9 poradenstvo teda pokr\u00fdvaj\u00fa, resp. m\u00f4\u017eu pokr\u00fdva\u0165, iba jeden z rozmerov komplexn\u00e9ho wealth managementu a aj ten iba \u010diasto\u010dne. Navy\u0161e, z poh\u013eadu wealth managementu ho pokr\u00fdvaj\u00fa nedostato\u010dne. <\/p>\n\n\n\n

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M\u00f4\u017eete to trochu rozvin\u00fa\u0165?<\/strong><\/h2>\n\n\n\n

Trading \u010di finan\u010dn\u00e9 poradenstvo maj\u00fa spravidla jedin\u00fd cie\u013e \u2014 vybudova\u0165 \u010di zve\u013eadi\u0165 majetok. Hoci to na prv\u00fa m\u00f4\u017ee znie\u0165 zvl\u00e1\u0161tne, pre skuto\u010dn\u00fa cie\u013eov\u00fa skupinu wealth management slu\u017eieb to v skuto\u010dnosti nie je ten najd\u00f4le\u017eitej\u0161\u00ed aspekt. <\/p>\n\n\n\n

Pre vysvetlenie: Wealth management, ako je vn\u00edman\u00fd vo vyspel\u00fdch ekonomik\u00e1ch na Z\u00e1pade, a ako ho vn\u00edmame a praktikujeme aj vo Wealth Effect Management, nie je ur\u010den\u00fd pre ka\u017ed\u00e9ho. Vo svojej plnej podobe d\u00e1va zmysel a\u017e pre publikum ozna\u010dovan\u00e9 ako HNWI (High Net-Worth Individuals) \u010di UHNWI (Ultra High Net-Worth Individuals). \u0160tandardn\u00e1 defin\u00edcia stanovuje vstupn\u00fa hranicu pre HNWI na \u00farovni 1 \u2014 5 mili\u00f3nov USD v likvidn\u00fdch, investovate\u013en\u00fdch assets. Pre UHNWI je to od 30 mili\u00f3nov USD. <\/p>\n\n\n\n

HNWI a UHNWI klientela u\u017e nepotrebuje majetok \u201cbudova\u0165\u201d, t\u00fato f\u00e1zu maj\u00fa za sebou. A hoci jeho \u010fal\u0161ie zve\u013ea\u010fovanie je st\u00e1le relevantn\u00e1 a d\u00f4le\u017eit\u00e1 t\u00e9ma, nie je najd\u00f4le\u017eitej\u0161ia.<\/p>\n\n\n\n

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\u010co teda je pre ultrabohat\u00fdch \u013eud\u00ed prioritn\u00e9?<\/strong><\/h2>\n\n\n\n

K\u013e\u00fa\u010dov\u00fdmi sa toti\u017e st\u00e1vaj\u00fa \u010fal\u0161ie rozmery \u2014 ako majetok ochr\u00e1ni\u0165 a zabezpe\u010di\u0165? Ako ho spr\u00e1vne diverzifikova\u0165? V pr\u00edpade rod\u00edn je situ\u00e1cia e\u0161te komplexnej\u0161ia, nako\u013eko sa objavuj\u00fa ot\u00e1zky spr\u00e1vneho nastavenia \u0161trukt\u00far family offices, nada\u010dn\u00fdch a zvereneck\u00fdch fondov a pod. <\/p>\n\n\n\n

Nehovoriac o tom, \u017ee ako gener\u00e1cia afluentn\u00fdch jednotlivcov a rod\u00edn starne, st\u00e1le d\u00f4le\u017eitej\u0161ou sa st\u00e1va ot\u00e1zka, ako majetok spr\u00e1vne odovzda\u0165 a uchova\u0165 pre \u010fal\u0161ie gener\u00e1cie. Viac sa \u013eudia m\u00f4\u017eu dozvedie\u0165 aj na na\u0161om s\u00fa\u010dasnom webe<\/a>, hoci bude \u010doskoro spusten\u00e1 jeho vynoven\u00e1 verzia. <\/p>\n\n\n\n

Toto nie s\u00fa rozmery, kam by mohli alebo boli schopn\u00ed zasiahnu\u0165 be\u017en\u00ed traderi \u010di finan\u010dn\u00ed poradcovia. A aj pri tejto komplexite e\u0161te st\u00e1le hovor\u00edme iba o jednom rozmere \u2014 tom, ktor\u00fd sa bezprostredne t\u00fdka financi\u00ed ako tak\u00fdch. <\/p>\n\n\n\n

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\u010co zah\u0155\u0148aj\u00fa tie \u010fal\u0161ie oblasti wealth managementu?<\/strong><\/h2>\n\n\n\n

S\u00fa to oblasti, ktor\u00e9 sa postupne pres\u00favaj\u00fa od majetku samotn\u00e9ho k tomu, \u010do majetok umo\u017e\u0148uje: od ve\u013emi komplexn\u00e9ho pr\u00e1vneho, da\u0148ov\u00e9ho a \u00fa\u010dtovn\u00e9ho poradenstva cez obsiahlu a dlh\u00fa pr\u00edpravu na odovzdanie majetku a\u017e po lifestylov\u00e9 partnerstvo na \u00farovni ve\u013emi exkluz\u00edvnych concierge slu\u017eieb.  <\/p>\n\n\n\n

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\u010co si m\u00f4\u017eeme predstavi\u0165 pod t\u00fdmito concierge slu\u017ebami? <\/strong><\/h2>\n\n\n\n

Skoro \u010doko\u013evek. Tu sa ocit\u00e1me v oblasti, kde afluentn\u00ed \u013eudia h\u013eadaj\u00fa \u2014 a nach\u00e1dzaj\u00fa \u2014 kreat\u00edvne sp\u00f4soby, ako si vychutna\u0165 svoj nadobudnut\u00fd majetok a mo\u017enosti. T\u00fdch mo\u017enost\u00ed je rovnako ve\u013ea, ako je predst\u00e1v, preferenci\u00ed a chut\u00ed.<\/p>\n\n\n\n

M\u00f4\u017eeme v\u0161ak spomen\u00fa\u0165 p\u00e1r zauj\u00edmav\u00fdch pr\u00edkladov: organizovali sme pre na\u0161ich klientov napr\u00edklad ochutn\u00e1vku vz\u00e1cnych a v z\u00e1sade u\u017e prakticky nedostupn\u00fdch whiskies. Pre in\u00fdch klientov sme dok\u00e1zali zabezpe\u010di\u0165 limitovan\u00e9 l\u00edstky do popredn\u00fdch re\u0161taur\u00e1ci\u00ed, kde sa inak na vstup be\u017ene \u010dak\u00e1 viac ako rok. In\u00fdch klientov sme dostali na Grand Sumo Tournament, ktor\u00fd sa za cel\u00fa dobu konania dial iba tret\u00edkr\u00e1t mimo \u00fazemia Japonska \u2014 v Royal Albert Hall v Lond\u00fdne. <\/p>\n\n\n\n

Zabezpe\u010dovali sme v\u0161ak u\u017e aj ultra luxusn\u00e9 dovolenky, invest\u00edcie do zberate\u013esk\u00fdch \u00e1ut, \u0161perkov a mnoho in\u00fdch exkluz\u00edvnych po\u017eiadaviek, ktor\u00e9 zost\u00e1vaj\u00fa diskr\u00e9tne nezmie\u0148ovan\u00e9. <\/p>\n\n\n\n

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Toto naozaj ukazuje \u201cwealth management\u201d v inej perspekt\u00edve.<\/strong> \u010co z v\u00e1\u0161ho poh\u013eadu pova\u017eujete za k\u013e\u00fa\u010dov\u00e9 pre to, aby bolo mo\u017en\u00e9 tak\u00e9to slu\u017eby poskytova\u0165 dlhodobo a \u00faspe\u0161ne?<\/strong><\/h2>\n\n\n\n

Zrelos\u0165. <\/p>\n\n\n\n

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V akom zmysle? M\u00f4\u017eete svoju odpove\u010f roz\u0161\u00edri\u0165?<\/strong><\/h2>\n\n\n\n

Zrelos\u0165 znamen\u00e1 schopnos\u0165 rozumie\u0165 \u2014 a doru\u010di\u0165. <\/p>\n\n\n\n

T\u00e1to schopnos\u0165 prich\u00e1dza iba s nevyhnutn\u00fdm mno\u017estvom sk\u00fasenost\u00ed a investovan\u00e9ho \u010dasu. A aj to iba za predpokladu, \u017ee sa dan\u00e1 osoba alebo spolo\u010dnos\u0165 neprestajne zdokona\u013euje. <\/p>\n\n\n\n

Je tu op\u00e4\u0165 potrebn\u00e9 vn\u00edma\u0165 wealth management v jeho potrebnom kontexte: pri pr\u00e1ci s HNWI \u010di UHNWI klientelou pracujete s \u013eu\u010fmi a rodinami, ktor\u00e9 s\u00fa zvyknut\u00e9 na extr\u00e9mnu \u00farove\u0148 komfortu, mo\u017enost\u00ed, diskr\u00e9tnosti a kvality. Tu nie je priestor na pozl\u00e1tko, re\u010di a pr\u00eds\u013euby \u2014 va\u0161e slovo je absol\u00fatny z\u00e1v\u00e4zok, va\u0161a diskr\u00e9tnos\u0165 a schopnosti s\u00fa \u201ctable stakes\u201d; mimoriadne kvality nie s\u00fa v\u00fdnimka, ale podmienka vstupu.<\/p>\n\n\n\n

Pochopenie d\u00f4le\u017eitosti \u010dasu a spo\u013eahlivosti s\u00fa z\u00e1kladn\u00fdm odrazov\u00fdm bodom, za n\u00edm nasleduje va\u0161a kapacita d\u00f4sledne v\u00e1\u0161mu klientovi rozumie\u0165 a vn\u00edma\u0165 aj nevysloven\u00e9. Hne\u010f \u010fal\u0161ia je potom va\u0161a schopnos\u0165 n\u00e1js\u0165 a zrealizova\u0165 rie\u0161enie. \u010co so sebou nevyhnutne prin\u00e1\u0161a \u010fal\u0161\u00ed d\u00f4le\u017eit\u00fd rozmer \u2014 potrebu ma\u0165 okolo seba network partnerov a dod\u00e1vate\u013eov. Kvalitn\u00fdch, preveren\u00fdch a spo\u013eahliv\u00fdch. Ni\u010d z toho nie je ani samozrejm\u00e9, ani jednoduch\u00e9. Vy\u017eaduje to ve\u013ea \u010dasu, \u00fasilia, ve\u013ea sebareflexie spolu s ochotou a schopnos\u0165ou sa u\u010di\u0165 a zlep\u0161ova\u0165, ve\u013ea dlh\u00fdch dn\u00ed a noc\u00ed. A tie\u017e ve\u013ea pokory. <\/p>\n\n\n\n

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Pokory?<\/strong><\/h2>\n\n\n\n

Nevyhnutne. Pokora je jednoduch\u00e9 uvedomenie si, \u017ee v\u017edy je nie\u010do \u010fal\u0161ie, \u010do neviete, s \u010d\u00edm ste sa e\u0161te nestretli, nov\u00e9 potreby, ktor\u00e9 je potrebn\u00e9 adresova\u0165. <\/p>\n\n\n\n

Neopodstatnen\u00e9 sebavedomie je l\u00edstkom do probl\u00e9mov; pokora v\u00e1s udr\u017eiava v strehu a na \u0161pi\u010dk\u00e1ch a umo\u017e\u0148uje v\u00e1m kontinu\u00e1lne sa zlep\u0161ova\u0165. A s vami aj cel\u00fd v\u00e1\u0161 t\u00edm a \u0161k\u00e1lu a kvalitu va\u0161ich produktov, slu\u017eieb, mo\u017enost\u00ed\u2026 <\/p>\n\n\n\n

Pokora je teda aj n\u00e1stroj, ako nezaspa\u0165 na vavr\u00ednoch a neza\u010da\u0165 stagnova\u0165 \u2014 to je \u010fal\u0161ia z mnoh\u00fdch vec\u00ed, ktor\u00e9 si v r\u00e1mci wealth managementu nem\u00f4\u017eete dovoli\u0165.  <\/p>\n\n\n\n

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Ako sa teda pozer\u00e1te na \u010fal\u0161ie subjekty na na\u0161om trhu, ktor\u00e9 v poslednej dobe sklo\u0148uj\u00fa \u201cwealth management\u201d z ka\u017edej strany?<\/strong><\/h2>\n\n\n\n

S \u00fasmevom a so z\u00e1ujmom. Vo v\u00e4\u010d\u0161ine pr\u00edpadov im dr\u017e\u00edm palce. Wealth management nie je jednoduch\u00fd. <\/p>\n\n\n\n

Teda \u2014 nie, ak ho chcete robi\u0165 skuto\u010dne dobre. <\/p>\n\n\n\n

Inak si samozrejme m\u00f4\u017ee ka\u017ed\u00fd hovori\u0165, \u010do chce. Zost\u00e1va v\u0161ak d\u00fafa\u0165, \u017ee relevantn\u00e9 publikum si urob\u00ed svoju dom\u00e1cu \u00falohu a nenechaj\u00fa sa iba chyti\u0165 na marketing \u010di buzzwordy. <\/p>\n\n\n\n

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Ako sa teda vymedzujete vo\u010di \u010fal\u0161\u00edm hr\u00e1\u010dom v tomto mimoriadne n\u00e1ro\u010dnom segmente?<\/strong><\/h2>\n\n\n\n

V\u00fdsledkami, kvalitou a t\u00edmom. Nie v\u0161ak iba v\u00fdsledkami na\u0161ich portf\u00f3li\u00ed. Viete, z n\u00e1\u0161ho poh\u013eadu je to v z\u00e1sade pomerne jednoduch\u00e9 \u2014 skuto\u010dn\u00e9ho wealth managera z v\u00e1s neurobia iba \u010d\u00edsla. Ani slov\u00e1. Ani AI. <\/p>\n\n\n\n

Wealth managera z v\u00e1s, v podstate, urobia va\u0161i klienti. Ich d\u00f4vera. Dlhoro\u010dn\u00fd, pretrv\u00e1vaj\u00faci vz\u0165ah. Va\u0161a integrita. Kvalita, \u0161\u00edrka a d\u00f4veryhodnos\u0165 v\u00e1\u0161ho networku. Komplexita slu\u017eieb. To, \u010di v\u00e1s va\u0161i klienti odporu\u010dia \u010falej. \u010ci sa roz\u0161iruje \u0161k\u00e1la toho, \u010do pre va\u0161ich klientov dok\u00e1\u017eete zabezpe\u010di\u0165.<\/p>\n\n\n\n

Ko\u013eko \u010dasu im dok\u00e1\u017eete u\u0161etri\u0165, ko\u013eko probl\u00e9mom dok\u00e1\u017eete pred\u00eds\u0165. Ak\u00e1 je \u0161k\u00e1la va\u0161ich kompetenci\u00ed, ako triezvo dok\u00e1\u017eete kona\u0165 v kr\u00edzov\u00fdch momentoch, ako ve\u013emi sa na v\u00e1s d\u00e1 spo\u013eahn\u00fa\u0165 a \u010di v\u00e1m m\u00f4\u017eu d\u00f4verova\u0165.<\/p>\n\n\n\n

Toto v\u0161etko je extr\u00e9mne n\u00e1ro\u010dn\u00e9 a trv\u00e1 to roky. Roky. <\/p>\n\n\n\n

Ani n\u00e1hodou to nie je nie\u010do, do \u010doho sa dok\u00e1\u017eete sami pasova\u0165 a \u201csta\u0165 sa t\u00fdm\u201d na ploche p\u00e1r mesiacov, a je jedno, ako ve\u013emi a ako nahlas to o sebe chcete tvrdi\u0165. Wealth managerom sa st\u00e1vate dlho a \u010d\u00edm dlh\u0161ie n\u00edm ste, t\u00fdm viac vid\u00edte, \u010do v\u0161etko \u010fal\u0161ie je e\u0161te potrebn\u00e9 obsiahnu\u0165.<\/p>\n\n\n\n

Kvalita potom znamen\u00e1 nielen d\u00f4sledn\u00e9 nasledovanie potrebnej regul\u00e1cie, ale tie\u017e pln\u00fa licenciu obchodn\u00edka s cenn\u00fdmi papiermi. Oboje na Slovensku z\u010faleka nie je tak\u00fdm \u0161tandardom, ako by malo by\u0165.\u00a0<\/p>\n\n\n\n

A napokon t\u00edm znamen\u00e1 neprestajn\u00fa snahu ma\u0165 a \u010falej tr\u00e9nova\u0165 t\u00fdch najlep\u0161\u00edch. M\u00f4\u017eem s hrdos\u0165ou poveda\u0165, \u017ee v s\u00fa\u010dasnosti u\u017e vo WEM-e m\u00e1me \u0161pi\u010dkov\u00fdch \u013eud\u00ed so sk\u00fasenos\u0165ami z cel\u00e9ho sveta \u2014 a je to vidie\u0165.<\/p>\n\n\n\n

Preto sa na komunik\u00e1ciu \u010fal\u0161\u00edch subjektov v tomto biznise pozer\u00e1m opatrne a s rezervou. Ke\u010f dvaja hovoria to ist\u00e9, nie je to to ist\u00e9. Marketing znesie v\u0161etko. \u013dudia nie. A HNWI\/UHNWI klientela u\u017e v\u00f4bec nie. <\/p>\n\n\n\n

Tam sprav\u00edte pre\u0161\u013eap a zatvor\u00edte si cestu nielen k dan\u00e9mu jednotlivcovi \u010di jeho rodine, ale spravidla tie\u017e k cel\u00e9mu jeho networku. Mo\u017eno sa to nikdy ani nedozviete explicitne \u2014 iba v\u00e1m postupne \u013eudia prestan\u00fa dv\u00edha\u0165 telef\u00f3ny a odpoveda\u0165 na spr\u00e1vy. <\/p>\n\n\n\n

Aj preto hovor\u00edm o pokore \u2014 preto\u017ee v r\u00e1mci wealth managementu mus\u00edte balansova\u0165 dve zdanlivo protichodn\u00e9 veci: dostatok opodstatnen\u00e9ho sebavedomia, \u017ee rob\u00edte v\u00fdnimo\u010dn\u00fa pr\u00e1cu, a z\u00e1rove\u0148 dostatok pokory na to, aby ste si uvedomovali, \u017ee mus\u00edte \u00eds\u0165 st\u00e1le \u010falej. <\/p>\n\n\n\n

Wealth management nie je \u201cget rich quick\u201d sch\u00e9ma, kde hr\u00e1te hru na kr\u00e1tko. Je to hra na dlho; v z\u00e1sade na cel\u00fd \u017eivot. A hr\u00e1te v nej nielen o svoje meno a reput\u00e1ciu, hr\u00e1te v nej z\u00e1rove\u0148 o d\u00f4veru, bezpe\u010dnos\u0165, majetok a kvalitu \u017eivota va\u0161ich klientov. <\/p>\n\n\n\n

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Po\u010fme sa trochu pozrie\u0165 na technol\u00f3gie a ich rolu v s\u00fa\u010dasnom wealth managemente. Ako sa pozer\u00e1te na vyu\u017eitie technol\u00f3gi\u00ed a boom AI?<\/strong><\/h2>\n\n\n\n

Je mimoriadne d\u00f4le\u017eit\u00e9 spr\u00e1vne vyu\u017e\u00edva\u0165 spr\u00e1vne technol\u00f3gie a je mimoriadne d\u00f4le\u017eit\u00e9 pozna\u0165 ich limity. Sami vyu\u017e\u00edvame \u0161k\u00e1lu technol\u00f3gi\u00ed, ktor\u00e9 n\u00e1m \u0161etria \u010das a pripravuj\u00fa n\u00e1m podklady pre rozhodnutia, od Bloomberg Terminal cez rozli\u010dn\u00e9 AI tooly pre re\u0161er\u0161 at\u010f.<\/p>\n\n\n\n

M\u00e1me v\u0161ak fundament\u00e1lne pravidlo \u2014 fin\u00e1lne z\u00e1very a rozhodnutia v\u017edy rob\u00ed \u010dlovek, resp. skupina \u013eud\u00ed. Aj preto v na\u0161om Investment Committee sedia \u013eudia s rozli\u010dn\u00fdm zameran\u00edm.<\/p>\n\n\n\n

Bolo by samozrejme hl\u00fape a nezodpovedn\u00e9 nevn\u00edma\u0165 pr\u00ednos a hodnotu technol\u00f3gi\u00ed \u2014 napokon, n\u00e1\u0161 CTO Norbert G\u00e1lik je n\u00e1\u0161 intern\u00fd technologick\u00fd m\u00e1g a v\u010faka nemu sme urobili m\u00ed\u013eov\u00e9 kroky vpred pri na\u0161ej klientskej z\u00f3ne, aplik\u00e1cii<\/a>, tradingovej platforme \u010di B2B platforme Flip<\/a>. <\/p>\n\n\n\n

<\/div>\n\n\n\n

\u010co hovor\u00edte na AI?<\/strong><\/h2>\n\n\n\n

Bolo by hl\u00fape a nezodpovedn\u00e9 neby\u0165 si vedom\u00fd toho, kde m\u00e1 technol\u00f3gia, vr\u00e1tane AI, svoje tvrd\u00e9 limity. Nepochybne, AI pracuje v\u00fdznamne r\u00fdchlej\u0161ie ako ktoko\u013evek v na\u0161om t\u00edme. <\/p>\n\n\n\n

AI sa v\u0161ak nevie p\u00fdta\u0165. AI nevie sedie\u0165 s klientom a vn\u00edma\u0165 ho, po\u010d\u00fava\u0165 vypovedan\u00e9 aj nevypovedan\u00e9, vn\u00edma\u0165 medzery, zav\u00e1hania; nevie ma\u0165 vz\u0165ah \u010dloveka s \u010dlovekom.<\/p>\n\n\n\n

Akoko\u013evek sa na to toti\u017e pozriete, wealth management je v kone\u010dnom d\u00f4sledku o vz\u0165ahoch. Z ist\u00e9ho uhla poh\u013eadu s\u00fa teda technol\u00f3gie skvel\u00e9 v tom, \u017ee umo\u017e\u0148uj\u00fa venova\u0165 menej \u010dasu tomu, \u010do sa d\u00e1 nahradi\u0165 a urobi\u0165 inak a nech\u00e1vaj\u00fa v\u00e1m viac \u010dasu a kapacity s\u00fastredi\u0165 sa na to, \u010do sa nahradi\u0165 ned\u00e1 \u2014 napr\u00edklad na to, by\u0165 \u010dlovekom.<\/p>\n\n\n\n

<\/div>\n\n\n\n

Spomenuli ste vlastn\u00e9 technol\u00f3gie. Z \u010doho vych\u00e1dzaj\u00fa a \u010do je ich cie\u013eom?<\/strong><\/h2>\n\n\n\n

Je ich nieko\u013eko, v\u0161etky v\u0161ak vych\u00e1dzaj\u00fa z pochopenia toho, \u017ee je na\u0161ou povinnos\u0165ou a zodpovednos\u0165ou vo\u010di na\u0161im klientom a partnerom h\u013eada\u0165 st\u00e1le \u010fal\u0161ie sp\u00f4soby, ako u\u0161etri\u0165 \u010das, u\u013eah\u010di\u0165 rozhodovanie, zvy\u0161ova\u0165 ich komfort a prin\u00e1\u0161a\u0165 im \u010fal\u0161ie mo\u017enosti.<\/p>\n\n\n\n

Pre na\u0161ich klientov sme takto vytvorili a priebe\u017ene vylep\u0161ujeme mobiln\u00fa aplik\u00e1ciu a jej desktopov\u00fd ekvivalent vo forme klientskej z\u00f3ny. Tam maj\u00fa klienti nielen v\u017edy aktu\u00e1lny preh\u013ead o stave svojich invest\u00edci\u00ed a nov\u00fdch pr\u00edle\u017eitostiach, ale m\u00f4\u017eu tie\u017e vyu\u017e\u00edva\u0165 svoju WEM Benefit Card, ktor\u00e1 im pon\u00faka \u0161k\u00e1lu benefitov v rozli\u010dn\u00fdch predajniach a prev\u00e1dzkach, od gastra a\u017e po lifestyle. V novom roku tie\u017e budeme do aplik\u00e1cie prid\u00e1va\u0165 trading modul pre t\u00fdch klientov, ktor\u00ed si chc\u00fa sami vysk\u00fa\u0161a\u0165, ako funguje a ak\u00e9 v\u00fdsledky dok\u00e1\u017eu vytvori\u0165, ke\u010f bud\u00fa sami (na z\u00e1klade komision\u00e1rskej zmluvy) nakupova\u0165 a pred\u00e1va\u0165 cenn\u00e9 papiere.<\/p>\n\n\n\n

Do bud\u00facna tie\u017e pripravujeme elementy gamifik\u00e1cie v aplik\u00e1cii a klientskej z\u00f3ne a tie\u017e VR prostredie s pokro\u010dil\u00fdmi AI modulmi pre automatiz\u00e1ciu, a to v r\u00e1mci poradenstva pre (U)HNWI, ale aj pre menej bonitn\u00fa klientelu.<\/p>\n\n\n\n

Pre na\u0161ich partnerov a finan\u010dn\u00fdch profesion\u00e1lov sme vytvorili platformu Flip ako najmodernej\u0161\u00ed all-in-one n\u00e1stroj pre spravovanie invest\u00edci\u00ed a klientov; o \u0148om si v\u0161ak sn\u00e1\u010f m\u00f4\u017eeme poveda\u0165 viac inokedy.<\/p>\n\n\n\n

<\/div>\n\n\n\n

M\u00e1te nejak\u00e9 z\u00e1vere\u010dn\u00e9 slov\u00e1 pre \u013eud\u00ed, ktor\u00ed maj\u00fa z\u00e1ujem vyu\u017e\u00edva\u0165 wealth management slu\u017eby?<\/strong><\/h2>\n\n\n\n

Vyberte si starostlivo. Wealth manager m\u00e1 by\u0165 dlhodob\u00fd spo\u013eahliv\u00fd partner, ktor\u00fd bude hlboko integrovan\u00fd vo va\u0161om \u017eivote a jeho pr\u00ednos je potrebn\u00e9 mera\u0165 z\u00e1rove\u0148 v tom, \u010do s n\u00edm pribudne \u2014 majetok, mo\u017enosti, pokoj, \u010das \u2014 aj v tom, \u010do v\u010faka nemu odbudne \u2014 stres, zbyto\u010dn\u00e9 aktivity. Wealth management ide hlboko a je na dlho.<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/div>\n\n\n\n
\n\n\n\n

P\u00f4vodne publikovan\u00e9 18. 12. 2025 na str\u00e1nke trend.sk<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u201cWealth management\u201d sa st\u00e1va st\u00e1le \u010dastej\u0161ie sklo\u0148ovan\u00fdm pojmom. Ako pri ka\u017edom novom trende, aj tento so sebou prin\u00e1\u0161a nielen snahu obsadi\u0165 \u010do najviac trhu, ale tie\u017e rozdielnosti v kvalite a pr\u00edstupe. O wealth managemente, jeho n\u00e1plni, komplexite a podob\u00e1ch hovor\u00edme s jedn\u00fdm z najdlh\u0161ie p\u00f4sobiacich hr\u00e1\u010dov na slovenskom trhu \u2014 s Petrom \u0160tadlerom, gener\u00e1lnym riadite\u013eom … Continued<\/a><\/p>\n","protected":false},"author":0,"featured_media":2018,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[23,22],"insight_author":[],"class_list":["post-1457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rozhovory","category-wealth-management"],"acf":[],"yoast_head":"\nWealth managera z v\u00e1s neurobia slov\u00e1, AI ani portf\u00f3li\u00e1. - Wealth Effect Management<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wealth managera z v\u00e1s neurobia slov\u00e1, AI ani portf\u00f3li\u00e1. - Wealth Effect Management\" \/>\n<meta property=\"og:description\" content=\"\u201cWealth management\u201d sa st\u00e1va st\u00e1le \u010dastej\u0161ie sklo\u0148ovan\u00fdm pojmom. 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