TRG ELEKTRIČNIH VOZIL IN TRŽNA VREDNOST SKUPINE VOLKSWAGEN

Skupina Volkswagen je nemški proizvajalec avtomobilov, ki ima pod okriljem deset blagovnih znamk. Med bolj znanimi so Audi, Porsche, Volkswagen, Škoda, Seat, Cupra, Scania, MAN, Bentley in Bugatti. Proizvodnja in prodaja vozil je razširjena po vsem svetu, predvsem v Evropi, Severni Ameriki, Južni Ameriki in azijsko-pacifiški regiji. Delujejo na različnih področjih in pokrivajo vse od osebnih, gospodarskih vozil, motornih koles, energetike ter finančnih storitev za upravljanje voznega parka.

Volkswagen je napovedal večjo usmeritev v proizvodnjo električnih vozil in digitalizacijo tehnologij zanje. Do leta 2030 naj bi imeli na trgu več kot 50 različnih modelov električnih vozil. Kljub temu, da je trenutno med bolj odmevnimi imeni na tem področju ameriška družba Tesla, bi lahko v prihodnosti Volkswagen pokrival večji del trga.

Vrednost delnic Volkswagna se trenutno giblje okoli 269,60 evrov na delnico. V zadnjem letu je njihova tržna vrednost narastla za kar 60,29 %. Zaradi izjemnega potenciala rasti skupine Volkswagen v prihodnjih letih, se je za nakup delnic, ki trgujejo pod oznako VOW.EU, odločil tudi Domen Zavrl.

Konkurenčne prednosti Volkswagna na področju e-mobilnosti

  • Trenutno Volkswagen pokriva največji del evropskega trga in ima vodilni položaj na Kitajskem. Ameriški trg v večini pokriva Tesla, medtem ko Volkswagen zaseda drugo mesto.
  • Volkswagen zaradi blagovnih znamk, kot sta Audi in Porsche, pokriva tudi del trga za luksuzna in SUV vozil. Tesla v tem razredu zaenkrat še nima konkurenčnih vozil.
  • Volkswagen pospešeno investira v infrastrukturo za polnjenje električnih vozil, saj načrtujejo postavitev kar 400 polnilnih postaj v Evropi, 100 od teh v Nemčiji. Njihov namen je, da bi zagotovili pokritost mreže in imeli postavljeno eno polnilno postajo na razdalji 120 km. Z izgradnjo teh se širijo tudi na ameriški in kitajski trg. V Ameriki imajo svoje omrežje Electrify America, prek katerega naj bi do leta 2025 podvojili infrastrukturo v ZDA in Kanadi. Na Kitajskem pa sodelujejo z lokalnim startupom.
  • Volkswagen je napovedal večji poudarek na digitalizaciji in izboljšanju programske opreme, ki vključuje tehnologijo avtonomnih vozil in storitve souporabe vozil (ride-sharing services). Trenutno pa ima Tesla bolj dovršeno in intuitivno programsko opremo za električna vozila.
  • Dodatna prednost Volkswagna je, da ima zaradi daljšega obstoja na trgu že postavljeno in uveljavljeno infrastrukturo ter potrebne kapacitete, ki jih lažje preusmeri v izdelavo električnih vozil.

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DIGITALNO BANČNIŠTVO IN RAZVOJ SUPER-APLIKACIJ

Neobanke so finančne institucije, ki so se z razvojem tehnologije prilagodile željam strank in jim s cenejšo alternativno še bolj približale digitalne bančne storitve. Kljub poslovanju brez fizičnih podružnic neobanke, kot so Revolut, N26 in Nubank, uspešno ponujajo vse storitve tradicionalnega bančništva na eni platformi. Digitalno bančništvo so nadgradile z uporabo super-aplikacij (super apps), ki zagotavljajo raznolike storitve, vključno z obdelavo finančnih transakcij, hitrega plačevanja in trgovanja. S svojim delovanjem se nenehno prilagajajo potrebam uporabnika.

NEOBANKE IN SUPER-APLIKACIJE

Super-aplikacija je vseobsegajoča mobilna platforma, ki združuje uporabnost in zmogljivost različnih aplikacij na enem mestu. Z zbiranjem podatkov zagotavlja enostavno uporabniško izkušnjo na osebnem in poslovnem področju. Pojav super-aplikacij v bančništvu je uporabnikom omogočil dodatno udobje, enostavno poslovanje in poenostavil tradicionalne bančne storitve.

Neobanke so virtualne banke, ki poslujejo samo digitalno prek spleta. Zato neobanke, kot je brazilski Nubank, razvijajo osrednjo strategijo delovanja okoli naprednih super-aplikacij za potrošnike. Več o Nubank si lahko preberete v blogu, ki ga je napisal Domen Zavrl.

Nekaj primerov prednosti digitalnega delovanja neobank.

  • Nudijo uporabo finančnih storitev delu prebivalstva, ki nima dostopa do ali se ne poslužuje bančnega poslovanja.
  • Bančne storitve lahko omogočajo tako priseljencem kot tudi otrokom, slednjim nato račune vodijo starši.
  • Delujejo kot platforme za nakupe (marketplace), ki na enem mestu izpolnjujejo različne nakupovalne želje strank (kot npr. Amazon).

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USPEŠNO TRGOVANJE DELNIC NUBANK NA NYSE

NU Holdings, matična družba brazilske digitalne banke NuBank, je 9. decembra 2021 svoje delnice uvrstila na newyorško borzo (NYSE). Vrednost delnic, ki so trgovale pod oznako NU, se je ob začetku trgovanja dvignila za skoraj 15 odstotkov. NU Holdings je tako zabeležila uspešen prvi dan trgovanja, saj so se delnice začele prodajati pri 11,63 ameriških dolarjev. Prodaja delnic se je nato zaključila pri 10,33 ameriških dolarjev in kljub temu dosegla ocenjeno tržno kapitalizacijo 50 milijard ameriških dolarjev.

Trenutno se cena delnice na borzi giblje med 9,2 in 10,2 ameriških dolarjev. Z začetno javno ponudbo (IPO) je NuBank postala tržno najbolj vredno finančno podjetje v Latinski Ameriki.  

NuBank bo zaradi svojega izjemnega potenciala, ki ga je z naložbo potrdil tudi Warren Buffet lastnik investicijskega podjetja Berkshire Hathaway, v prihodnosti še naprej vzbujala zanimanje vlagateljev. Po pričakovanjih bo v ospredje poslovanja postavljena strategija rasti podjetja, predvsem povečanje baze strank, prodaje in ustvarjanje napredne aplikacije (super app) za potrošnike, ki združuje celotno digitalno bančno poslovanje na enem mestu.  

Nubank je svoje poslovanje začela leta 2013 s kreditno kartico brez provizije v Braziliji, ki je znana po bančnem sistemu z visokimi provizijami in nizko tehnologijo. V manj kot 10 letih je pridobila več kot 48 milijona strank, katerim je po ocenah s svojo strukturo brez provizij prihranila več kot 2 milijardi ameriških dolarjev.

Z inovativnim in tehnološko naprednim pristopom se želijo predvsem približati splošni populaciji Latinske Amerike, ki se v veliki meri ne poslužuje bančnega poslovanja.

Več zanimivih podatkov o NuBank, eni najbolj prepoznavnih digitalnih bank na svetu, si lahko preberete v blogu, ki ga je napisal Domen Zavrl. 

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SAMSARA Z VSTOPOM NA NYSE DO 805 MILIJONA AMERIŠKIH DOLARJEV

Samsara je ameriško podjetje s sedežem v San Franciscu, ki razvija celovite rešitve na področju interneta stvari (IoT – internet of things) za podjetja. Z namenom povečanja varnosti, učinkovitosti in trajnosti operacij, so razvili platformo za zagotavljanje programskih rešitev, ki temelji na oblaku podatkov.

Podjetje Samsara je v letu 2021 določilo pogoje za začetno javno ponudbo, s katero bi pridobilo do 805 milijona ameriških dolarjev kapitala. Na newyorški borzi (NYSE) bo Samsara trgovala pod oznako IOT. S 15. decembrom bodo na borzo uvrstili 35 milijona delnic razreda A, katerih začetna cena naj bi se gibala med 20 in 23 ameriških dolarjev. Skupna vrednost delnic razreda A in razreda B pa bo znašala 500,35 milijona ameriških dolarjev. Pričakovana ocenjena tržna kapitalizacija je 11,5 milijarde.

Primarni vpisniki Samsare so Morgan Stanley, Goldman Sachs, J.P. Morgan in Allen & Co. Med bolj odmevnimi vlagatelji pa je zasebno ameriško podjetje iz Silicijeve doline Andreessen Horowitz. Pred uradno uvrstitvijo na javno borzo, se je za nakup delnic v fazi začetne javne ponudbe (pre-IPO) odločil tudi Domen Zavrl.

5 pomembnih dejstev o podjetju Samsara.

  • Podjetje Samsara je v zadnjem letu podvojilo svoj skupni prihodek iz 119,9 milijona ameriških dolarjev na kar 249,9 milijona.
  • Od oktobra 2020 do oktobra 2021 so zabeležili 74 % letno rast.
  • Skupna sredstva podjetja so od februarja 2020 do oktobra 2021 narastla iz 631 milijona ameriških dolarjev na 839,5 milijona.
  • Do sedaj je podjetje od vlagateljev prejelo približno 930 milijona ameriških dolarjev.
  • V 2021 se je Samsara že tretje leto zapored uvrstila na Forbesovo lestvico (Forbes Cloud 100), najboljših zasebnih podjetij na področju oblaka podatkov, ki jo je objavil Forbes v sodelovanju z Bessemer Venture Partners in Salesforce Ventures. Zasedli so 19. mesto.

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NUBANK – IPO NA NEWYORŠKI BORZI 8. DECEMBER 2021

NuBank je ena najbolj prepoznavnih digitalnih bank na svetu z več kot 48 milijona strank. Strankam ponuja možnost enostavnega plačevanja.

Z letom 2021 je NU Holdings, matična družba NuBank, pridobila soglasje Ameriške komisije za vrednostne papirje in naznanila, da nameravajo na newyorško borzo (NYSE) uvrstiti 289,2 milijona delnic NU Holdings. Na borzo v New Yorku bodo uvrščene navadne delnice razreda A (oznaka: NU), na borzi v Sao Paulu pa bodo trgovali z delniškimi certifikati (BDR), ki bodo predstavljali 1/6 navadne delnice.

Po pričakovanjih naj bi imela posamezna delnica začetno ceno od 10 do 11 ameriških dolarjev, tako bi NuBank z IPO-jem pridobila 2,9 milijarde dolarjev kapitala za obratna sredstva in naložbe in postala tretja največja banka na ameriški borzi v letošnjem letu. Ocenjena tržna kapitalizacija je 50,6 milijarde ameriških dolarjev.

Pred uradno uvrstitvijo na javno borzo je bila zasebnim podjetjem ponujena priložnost pred-začetne javne ponudbe (pre-IPO). Na podlagi dolgoletnih izkušenj in širokega znanja na področju trgovanja z delnicami, se je za nakup delnic NU Holdings v fazi pre-IPO, odločil tudi Domen Zavrl.

Med primarnimi vpisniki NuBank so tudi Morgan Stanley, Goldman Sachs, Citigroup, HSBC, UBS Investment Bank.

Med bolj odmevnimi investitorji v pre-IPO NuBank so tudi investicijska podjetja DST,  Sequoia Capital in Berkshire Hathaway, ki ga ima v lasti legendarni vlagatelj Warren Buffet. V NuBank je vložil kar 500 milijonov dolarjev in tako potrdil, da gre za zanimivo naložbo.

5 pomembnih podatkov, ki jih morate vedeti o Nubank.

  • NuBank ima v Latinski Ameriki več kot 48 milijonov strank, večinoma v Braziliji, Mehiki, Kolumbiji, Čilu, Peruju in Argentini.
  • Nubank je v Braziliji prejel neto oceno promotorja (NPS) 90, v Mehiki pa kar 94.
  • V prvi devetih mesecih leta 2021 je Nubank ustvaril 1,96 milijarde dolarjev prihodka, kar je skoraj dvakrat več kot v enakem časovnem obdobju leta 2020.
  • Povprečno stanje na računu klienta banke znaša 167 dolarjev.

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Tips and tricks for long-term investing

While investing in the short term can be a good idea to make a quick profit, a lot of people focus mostly on long-term investing. This is a great way to invest and it brings in front some extraordinary results. Not only is this the best way to invest, but it can also help you make the most out of your invested money. With that in mind, here are some tips and tricks to take into consideration.

Avoid focusing on hot tips

Hot tips are things that are important right now. But in the long run they might have little to no impact. So you really want to figure out what works for you and what conveys the best possible value in the long term. Which is why you want to stay away from short term investing.

Don’t go for penny stocks

Penny stocks don’t really bring in a great ROI in the long run. They might be profitable in the short term, but that’s the extent of their benefits. That’s why you want to go with something that can deliver a much better return in the long run.

Create a financial plan

A financial plan is really helpful because you can identify risks and also implement some failsafe ideas, in case you need any. It’s a very good approach and one that can indeed make a huge difference in the long run.

Invest only in the things you know and understand

The reason is simple, if you invest in stuff that you don’t understand, then that becomes a problem. The best thing you can do is to lower risks simply by investing in the stuff that really matters for you. That’s what conveys great results, and the benefits can be second to none.

Go for set it and forget it options

These are better because you can eliminate risks and not really worry about problems. You get a much better result if you just set investments from the beginning and then you leave them to work for you. It’s a clever idea and the outcome can be great.

Diversify as much as you can

Diversifying stocks is crucial because it makes investing a lot easier. When it comes to long-term investing, you can’t rely just on a single investment. For example, cryptocurrency might increase in value, or it might crumble. You always want to have some alternative.

Conclusion

It’s always recommended to avoid any rush and truly focus on making sure that you invest wisely. If you don’t, then you might not get the ROI you expect. Diversifying your investments and using all the tips presented above can be a very good idea, and it will help more than you imagine. We recommend taking your time when it comes to long-term investing, set up a strategy and also a failsafe, just to ensure that you don’t lose a lot of money. It will take time to see results, but in the end long-term investing is still the ideal option to invest your money right now!

The best investing tips for beginners

As a beginner, the concept of investing can be extremely challenging. It sounds great, until you realize that investing can be quite demanding and it has its fair share of challenges. But if you know how to manage everything accordingly and focus on the right benefits, the experience can be a very good one. With that in mind, we have a few, important investment tips for all beginners.

Create an audit for your finances

The audit will give you some interesting benefits. First, you can identify the financial goals. This will give you a good idea of what you can do with the money and how you can achieve amazing results in the long run. It will also help you narrow down the financial cashflow, and you can see how much you spend and how much is going away. On top of that, before you invest, you want to have an emergency fund. In case anything goes wrong, you do want to have a system in place that will protect you, so try to take that into account as much as you can, and the benefits can be second to none.

Try to use retirement accounts

Retirement accounts are also a great way to invest, even if it might not seem like that. The best approach is to identify a good, dependable investing system that works for you and which conveys some interesting results. It does take a bit of time to narrow down the ideal investments, and in the end it can pay off big time.

401ks are a great option, especially if they have target date funds so you can get started with them. This allows you to select a fund based on the year you want to retire in. That offers a much simpler way to invest and it can actually pay off very well.

You can always learn as you go

No one expects you to be an expert in the world of investing. The truth is that you always learn as you go, and no one expects you to actually know everything. That being said, performing your due diligence can help a lot. If you study the investment you want to make, that can actually offer you some nifty results. That’s the right approach and the benefits can indeed be among some of the best. You just have to use that to your own advantage.

At the end of the day, investing as a beginner is a bit challenging, especially without the prior experience. But you need to study and learn more, while also avoiding major investments. Some of the investments you make will be failures, so you don’t want to risk too much. Instead, try to learn and improve, and then you can go for the major investments in the long run. There will always be challenges that can appear, so try to focus on bringing in the best possible results and benefits. As soon as you do that and find the right investment strategies, you will start reaping some amazing outcomes!

How can you invest in stocks?

If you’re looking to invest in something, stocks seem to be the best bet nowadays. Stocks continue to increase in price and while there are still risks, they are less risky when compared to other investments. Figuring out how to invest in stocks is a great idea, and here you have a few tips to take into account before you start this journey.

What kind of investor are you?

Some investors want to be hands on, others just want to set investments and forget them. You want to figure out which one out of the two you want, because it will give you a good idea of what you can expect and the benefits that might appear. It’s a clever approach and it certainly helps quite a lot.

Work with an online broker

Working with an online broker is how you usually end up investing in stocks. These brokers end up offering you advice on what and how to invest, and they do have their own fee. With that being said, there can be restrictions based on brokers, but finding a good broker to work with is an ideal step to keep in mind.

Using robo-advisors

For some people the broker fees are a bit too high. Which is why it makes a lot of sense to use robo-advisors. These are apps that can be set up to invest within certain parameters you want. It helps save quite a lot of money, and the benefits are very impressive. It’s a distinctive and great approach overall, and the benefits themselves are among some of the best that you can find out there.

Invest via the employer

You can also invest around 1% of the salary in the retirement plans at work. It’s not a huge risk, and many of them can provide a really good return on investment. That’s why it can be a very good idea to give these a try for yourself.

Think about fees and commissions

Stock investing has its fair share of fees, so don’t expect it to be without any issues. With that being said, you can have $2 or up to $10 as a fee per trade. Of course, it all depends on the trader you are using, but overall results can be very good.

Diversify investments

You don’t want to invest just in a single stock. Ideally, you want to go with multiple stocks just because it’s a much better option and it conveys great results. It does take a little while to identify what stocks are ideal for you, but the benefits can indeed be second to none.

As you can see, stock investing does take a bit of a trial and error. But it’s a very good idea to try it out, since it’s one of the better ways to invest your money. If you do it properly, it can easily convey amazing results, and the value will pay off big time. Having the right investment guide can help a lot, so make sure that you work with someone that can help in the realm of investing.

Investment tips for young investors

There’s no age limit when it comes to investing, and that’s the great thing. If you want, you can start investing in anything you want right now, and that can make a huge difference. It’s also a good idea to know how to invest, especially if you are in the young investors category. With that in mind, here you have a list with some of the best ideas to take into account.

Start investing early on

If you are one of the young investors, it’s a good idea to invest early on. The earlier the investments you make, the better the results you can have in the long run. Investing early will give you interest compounding and that leads to some amazing results in the long run.

Invest in your education

Yes, before you invest in assets or anything else, invest in yourself. Your education is primordial when it comes to making good money. That’s why investing in your education can indeed pay off. That doesn’t mean it’s going to be simple, but the benefits you get from investing in yourself are second to none.

Identify how to save and not spend

When you are young, marketing can really get to you and you can spend a whole lot of money. This is the time when you want to learn how to save and not spend. As soon as you do that, investing becomes a whole lot easier.

Manage your savings and your debt

You want to stay debt-free, or as close to that as possible. This will allow you to invest your savings and that will give you the safety line you want in the long run.

Pick what you want to invest in

The trick here is to have a broad investment portfolio. That’s a good idea, because it eliminates concerns, and it just makes the experience easier. Even if an investment turns out to be a bust, you have others that can be well worth it in the long term. Choosing between stocks and bonds is one option, you can also invest in real estate, cryptocurrency and others.

Understand inflation and taxes

These can affect your returns, so you want to learn as much as you can about them. It will just help eliminate concerns and truly focus on profits. It’s going to take a bit to understand how it all works, but in the end the results can be amazing. It’s a very good idea to understand the process adequately, and also work with a specialized professional if you have any issues.

Conclusion

We recommend studying investments and figuring out which are the right ideas for young investors. It’s a good idea to invest early on, since you have a much better ROI in the long run. As soon as you focus on investing wisely, results can be amazing, so try to take that into consideration. That’s what makes things amazing in the long run, because the faster you invest when you are young, the better the benefits you receive in the long run!

Should you invest in cryptocurrency?

At first, cryptocurrency felt to be just a fad, but in the past few years, it’s become clear that this is here to stay in the long run. However, even in the past years, cryptocurrency has been volatile. Yes, prices have increased quite a bit, but in some cases they dropped dramatically. So it’s very hard to know exactly what ROI you can get from cryptocurrency.

Is it safe to invest in cryptocurrency?

As long as you keep your wallet data safe and you don’t make your investment public, the chances of someone getting access to your cryptocurrency are minimal. Plus, buying and selling crypto has become a breeze nowadays. There are many platforms where you can buy crypto, so the process itself is very convenient and you will have your crypto within minutes. But the thing you need to realize is that cryptocurrency is very volatile.

That means cryptocurrency will go up and down in price. Even in 2021, bitcoin was $40k, then it dropped to $30k and went up to $50k. As an investor, you don’t really know what to do, as you want to avoid any drops and just focus on price increases once you buy your cryptocurrency.

Which is why cryptocurrency can be very hard to invest in. Something like Bitcoin seems to have an upward trajectory. But there are other cryptocurrencies whose prices has dropped exponentially in the past few years. That doesn’t mean it’s something simple to do, you need to assess the performance of that cryptocurrency and see if it’s actually worth it.

There are lots of unknowns regarding cryptocurrency

One of the reasons why some cryptocurrencies had a higher price is because someone popular invested in them. Whenever Tesla chose to buy some cryptocurrency, the Bitcoin price went up. And when there were issues and all kinds of problems related to crypto, the value went down. The truth is that you can’t really control these things. If you buy cryptocurrency right at a very low price, then your risks are minimal.

However, if you follow the trends and buy because other people do it at a higher price, that will be a problem. The reality is that whenever there are unknowns, it can be difficult to actually invest in something. Sure, it sounds appealing, but you need to be a very smart investor. That’s especially true in the case of the older cryptocurrency like Bitcoin where you have to spend a lot of money.

Conclusion

The truth is that once you invest in cryptocurrency, you are basically gambling. Historically, the value went up for the most popular cryptocurrency. But it also went down for many as well. Plus, social influence can end up playing a major factor, which leads to even more uncertainty regarding your investment. So, should you invest in cryptocurrency? It can be a good idea, as long as you invest only a small fraction of your portfolio. This way you keep the risks minimal, and results can be great in the long run.