In recent months, many companies and individuals have become more interested in various forms and investment options, whether in the field of stocks, cryptocurrencies or real estate. The uncertain situation surrounding the coronavirus and geopolitical crises has exacerbated this trend, but has also brought general economic uncertainty. The guests of our first meeting of the Deloitte Business Club shared their experience of how to start investing and how to think about it correctly.

How does the young generation invest? This was not only the subtitle of the first meeting of the Business Club, but also a question to which three different answers came from our three guests from the field. David Musil, CEO and co-founder of Upvest, brought a real estate perspective, Mikuláš Splítek, Fund Manager of Erste Asset Management, introduced guests to investing in shares, and David Rakušan, Investment Manager at Rockaway, focused on blockchain. Among other things, the latter technology makes available investments in cryptocurrencies, which are becoming more and more common today, for example.

The future of the real estate market

Although all guests are professionally engaged in a different type of investment, they agree on one thing: stocks will play an important role in the future. However, this does not mean that cryptocurrencies, for example, are already behind them, on the contrary - their popularity is constantly growing. Likewise, the importance of real estate will not decrease in the future, because despite the difficult situation (especially in the Czech Republic) it benefits from its irreplaceable nature in society.

The future of the real estate market

However, these properties are likely to face an important turning point in the near future. "Compared to Western countries, Czechs are very tied to owning the property in which they live. Is it sustainable? I don't know. However, I expect what will happen in 2007 and 2008, when liquidity completely disappeared from the market, ie there will be a huge reluctance to sell and buy real estate, "outlined the future in real estate David Musil. However, this development mainly concerns residential real estate, the scenario for office, commercial and other real estate projects may be different.

Although all guests are professionally engaged in a different type of investment, they agree on one thing: stocks will play an important role in the future. However, this does not mean that cryptocurrencies, for example, are already behind them, on the contrary - their popularity is constantly growing. Likewise, the importance of real estate will not decrease in the future, because despite the difficult situation (especially in the Czech Republic) it benefits from its irreplaceable nature in society.

However, these properties are likely to face an important turning point in the near future. "Compared to Western countries, Czechs are very tied to owning the property in which they live. Is it sustainable? I don't know. However, I expect what will happen in 2007 and 2008, when liquidity completely disappeared from the market, ie there will be a huge reluctance to sell and buy real estate, "outlined the future in real estate David Musil. However, this development mainly concerns residential real estate, the scenario for office, commercial and other real estate projects may be different.

Relationship between cryptocurrencies and real assets

However, the difficult situation in the world economy will still affect the stock market, which, according to Mikuláš Splítek, has not had the worst: “I meet the view that the current situation is in a sense better than before, because we have experience with economic crises of the past. On the other hand - in my opinion - we are now more indebted, the US has a relevant economic rival in China, we are experiencing a big cost shock… and these are negative factors that need to be taken into account when considering investment. ” to enter the stock market should not completely discourage the current situation - both because of its temporary nature and because of the potential opportunities it can bring. However, caution is warranted.

The third way to invest that was discussed within the Deloitte Business Club was cryptocurrencies. This highly technologically based area has experienced its boom especially in recent years, and currently several digital currencies have established themselves on the market, the most well-known and most popular of which is currently Bitcoin, such as Litecoin and Ethereum. "A lot of things have to be used purely in the crypt world, in blockchain - connecting them with real assets is very demanding in terms of regulation and structure. Nevertheless, there are projects that deal with this and try to implement, for example, digital identity systems, "described the situation in the field of cryptocurrency David Rakušan. To invest or not to invest? If the company or entrepreneur has no experience with investing in any of the above (or other) assets, it can rely on uncertainty, according to the guests. Even the best investor cannot provide a 100% guarantee when choosing this or that asset. The world of investment lives its own life and responds to real-life events that can only be predicted to a certain extent. However, an experienced advisor can be a very good guide and, for example, will help novice investors to effectively minimize the biggest risks. For those who want to invest, the difficult economic situation in the world should not be an obstacle, just act wisely and prudently. "The stock market is a fair environment that is intellectually stimulating. By observing the stock market, it also lets you know what is happening in the world and what will happen, for example, it predicts a recession quite well, "said Mikuláš Splítek.