BLOG O FINANSACH,
GOSPODARCE I INWESTOWANIU

Gdzie otworzyć konto – IKE i IKZE (2/2)

utworzone przez | Cze 18, 2020 | Inwestycje, Poradnik | 236 Komentarze

             Jeśli chcecie się dowiedzieć co to jest IKE i IKZE zapraszam do poprzedniego wpisu: „Zainwestuj w swoją emeryturę – IKE i IKZE (1/2)”. Tutaj znajdziecie informacje, gdzie warto założyć takie portfele oraz proste rekomendacje z mojej strony. Zacznijmy jakie IKE i IKZE możemy mieć: 

  1. Konta oszczędnościowe i lokaty które dają nam 1% do 3% w skali roku. Znajdziemy czasem lokaty w wysokości 3,5%, niestety często są to promocje dla nowych klientów, a same lokaty z „lepszym” oprocentowaniem są na krótkie okresy czasu (do 4 miesięcy). Nad tym tematem nie ma co się rozwodzić, jest to mniej niż inflacja dlatego odkładanie na potencjalną emeryturę w ten sposób nie ma sensu. 

 

2. Obligacje skarbowe na których oprocentowanie waha się od 0,5 % do 2%, w zależności na jak długi okres się zdecydujemy. Od obligacji 4 letnich i starszych pojawia się już ciekawsza propozycja. Obligacja indeksowana inflacją, gdzie w pierwszym roku otrzymujemy z góry ustalone odsetki, a w następnym nasze oprocentowanie będzie równe inflacji + marża od 0,75 % do 1,5%. Wiec teoretycznie nasza marża to nasz zysk. Dlaczego tylko teoretycznie zapraszam do artykułu „inflacja nas pochłonie”. Jest to bardzo bezpieczny sposób, a jednoczenie lepszy od lokat i kont oszczędnościowych. 

 

3. Jednostki funduszy inwestycyjnych, które na początku wydają się interesujące. Jednak często nie przynoszą obiecanych efektów. Fundusze są zdywersyfikowane. Możemy samodzielnie podejmować decyzję w co chcemy inwestować wybierając rożne segmenty gospodarki, surowce, nawet rynki zagraniczne i wiele wiele innych opcji. Funduszami zarządzają specjaliści, którzy chcą pokazać jak najlepsze wyniki danego funduszu – no i właśnie tutaj jest ten kruczek. Za zarządzanie funduszami kierownictwo bierze opłaty od 1% do nawet 4% rocznie. Oczywiście nie zabiera to nam funduszy z konta tylko umniejsza wycenę (zazwyczaj każdego dnia bardzo mała jego cześć). Dodatkowo są tu jeszcze opłaty manipulacyjne, czyli za transakcję zakupu i sprzedaży od 1% do 5%. Tak naprawdę to nie koniec, czasami platformy, które nam oferują takie inwestowanie też mają swoją prowizje w okolicy 1%. Gdy to zsumujemy i doliczymy do tego inflacje, okazuje się, że nawet gdy rynek w który inwestujemy zyskuje 10% to my jesteśmy na 0. Co dopiero dzieję się gdy rynek traci? Świetny przykładem są tu nagrody Gazeta Giełdy i Inwestorów Parkiet dla najlepszego funduszu z roku 2008 który wykazał -5.5% straty (była to najmniejsza strata wśród nominowanych). 

 

4. Polisa na życie z ubezpieczeniowym funduszem kapitałowym. Tutaj tak naprawdę możemy przykleić to co jest napisane w punkcie 3 i doliczyć drobną opłatę za ubezpieczenie, które zazwyczaj ma symboliczne kwoty. W większości przypadków również odradzam ten sposób oszczędzania.

 

5. Samodzielne zakupy instrumentów finansowych poprzez konto maklerskie. Właśnie to rozwiązanie jest moim faworytem. Głównie ze względu na najniższe koszta i duży wachlarz możliwości. Zanalizowałem konta maklerskie oferujące IKE bądź IKZE. 

We wszystkich ofertach znalazłem, że nie ma kosztów za otwarcie konta, inaczej jest z kosztami za jego prowadzenie, przenoszenie konta oraz wycofywanie w ciągu pierwszych 12 miesięcy. 

 

Dom maklerski 

Dostępne rodzaje rachunków 

Opłata za prowadzenie rachunku 

Opłata za transfer środków do innego IKE lub IKZE (% wartości przenoszonych instrumentów)  

Opłata za wycofanie środków z rachunku w ciągu pierwszych 12 miesięcy  

Dom Maklerski BDM S.A. 

 

 

IKE i IKZE 

 

 

0 zł 

 

 

1,49% min. 99 zł  

 

 

149 zł 

 

 

Dom Maklerski BOŚ S.A. 

 

 

IKE i IKZE 

 

 

0 zł 

 

 

0,50% min. 25 zł 

 

 

150 zł  

 

 

Dom Maklerski Banku BPS 

 

 

IKE i IKZE 

 

 

0 zł 

 

 

Zgodna z cennikiem KDPW 

 

0,5% min. 100 zł 

 

Santander Biuro Maklerskie 

 

 

IKE 

 

 

0 zł lub 6 zł miesięcznie** 

 

Zgodna z cennikiem KDPW  

 

 

 

150 zł  

 

 

 

Biuro Maklerskie mBank 

 

 

IKE i IKZE 

 

 

0 zł lub 30 zł rocznie*

 

 

Brak danych  

 

 

Brak danych  

 

 

Millenium Dom Maklerski 

 

 

IKZE 

 

 

48 zł rocznie 

 

 

Zgodna z cennikiem KDPW  

 

 

5% min. 100 zł  

 

 

Dom Maklerski PKO BP 

 

IKE 

 

 

60 zł rocznie*** 

 

 

0,3% min. 50 zł wartości portfela****  

150 zł  

 

 

*Jeśli w ciągu 12 miesięcy na rachunku nie została wykonana przynajmniej 1 transakcja  

**Jeśli w poprzednim miesiącu nie została wykonana przynajmniej 1 transakcja  

*** W przypadku Konta SUPER IKE prowadzonego przez DM PKO BP obowiązuje dodatkowa opłata równa 0,1% nominalnej wartości obligacji skarbowych zakupionych na rynku pierwotnym. Opłatę tę ponosi się wyłącznie, jeśli byliśmy posiadaczami tego typu obligacji na koniec danego roku kalendarzowego.  

****W przypadku transferu bez przeniesienia własności opłata nie jest pobierana.  

Zgodna z cennikiem KDPW – Opłata uzależniona jest od wartości portfela oraz rodzaju posiadanych instrumentów.  

Przed nami jeszcze jedna bardzo ważna tabelka. Która przedstawia koszty prowizji przy zakupie. 

Dom maklerski 

Prowizja za kupno akcji (% wartości transakcji) 

Prowizja za kupno obligacji (% wartości transakcji) 

Prowizja za kupna akcji w day tradingu (% wartości transakcji)  

Dom Maklerski BDM S.A. 

 

 

0,39% min. 5,95 zł 

 

 

0,19% min. 5,95 zł 

 

 

0,18%  

 

 

Dom Maklerski BOŚ S.A. 

 

 

0,38% min. 5 zł 

 

 

0,19% min. 5 zł 

 

 

0,15% min. 5 zł  

 

 

Dom Maklerski Banku BPS 

 

 

0,13% min. 3 zł 

 

 

 

0,13% min. 3 zł 

 

 

 

0,13% min. 3 zł 

 

 

 

Santander Biuro Maklerskie  

 

 

0,39% min. 5 zł 

 

 

 

0,19% min. 5 zł 

 

 

 

0,25% min. 5 zł  

 

 

 

Biuro Maklerskie mBank 

 

 

0,39% min. 3 zł 

 

 

0,19% min. 3 zł 

 

 

0,25%  

 

 

Millenium Dom Maklerski 

 

 

0,38% min. 4,90 zł* 

 

 

0,20% min. 4,99 zł 

 

 

0,20% min. 4,90 zł  

 

 

Dom Maklerski PKO BP 

0,39% min. 5 zł 

0,20% min. 5 zł** 

0,39% min. 5 zł 

 

* W przypadku obrotów powyżej 50 tys. zł miesięcznie obowiązuje obniżona wartość prowizji. 

** Brak opłat w przypadku kupna obligacji skarbowych na rynku pierwotnym.  

             Dodatkowo inwestowania na rynkach zagranicznych w ramach rachunków IKE i IKZE pozwalają tylko: Santander, Boś oraz mBank. 

             Podsumowując tutaj już dość mocno widzimy, iż wysuwają się na prowadzenie opcję: BDM, BOŚ oraz BPS. Sam zdecydowałem się na BPS. Musze przyznać, że oprogramowanie BPS nie należy do najbardziej intuicyjnych i estetycznych. Przekonały mnie jednak najniższe koszta.  

             Kolejna ważna rada. Warto kupować duże paczki akcji by obniżyć koszta transakcji. Przykład: Na IKZE gdzie limit wynosi trochę ponad 6 000 zł, gdy wpłacam cały limit zlecam tylko dwie (ewentualnie 3) paczki zakupów za równowartość kwoty by koszt za transakcje był około 3 zł. Nie opłaca się tutaj dokupowanie 1 akcji za przykładowo 50 zł bo zapłacimy 3 zł prowizji (czyli już jesteśmy 6 % w plecy). 

             Moją taktyką jest inwestowanie w spółki dywidendowe. Wtedy rok w rok za dywidendy (od której nie został potrącony podatek Belki) i nową wpłatę dokupuje więcej akcji uśredniając cenę. W moim portfelu znajdują się spółki takie jak: PZU, ORLEN, GPW, APATOR oraz DEBICA. Oczywiście sami decydujemy jakie spółki będziemy dokładać do naszego portfela inwestycyjnego.  

             Jeżeli nie chcemy się zastanawiać w jakie spółki inwestować ani w najmniejszy sposób śledzić co się w nich dzieje warto pomyśleć o ETF-y które kupują wszystkie akcje z Wigu 20 lub mWIGU 40. Są tu bardzo małe koszta za zarządzanie które wynoszą mniej niż jeden procent (w przeciwieństwie do funduszy aktywnie zarządzanych gdzie możemy znaleźć od 2-5% kosztów!). Warto zwrócić uwagę na ETF-y które wliczają również dywidendy ze spółek czyli: MWIG40TR oraz WIG20TR.  

 

 

KOD RABATOWY DO 10%: KASAWKIESZENI

236 komentarzy

  1. film modu

    Thiss is my first time pay a visit at here and i am truly impressed to read all at one place. Laurice Burke Tita

    Odpowiedz
  2. sikis izle

    Looking forward to reading more. Great article. Really thank you! Want more. Ann-Marie Garrard Besse

    Odpowiedz
  3. sex

    Hello Dear, are you genuinely visiting this site on a regular basis, if so afterward you will definitely obtain fastidious know-how. Aaren Reggis Sela

    Odpowiedz
  4. sikis

    I really like and appreciate your article. Much thanks again. Really Cool. Mareah Rossie Elfie

    Odpowiedz
  5. bahis

    I have been examinating out some of your posts and i can claim clever stuff. I will make sure to bookmark your website. Annamaria Stacee Marvel

    Odpowiedz
  6. erotik

    Hey, thanks for the blog post. Much thanks again. Awesome. Breena Verney Marius

    Odpowiedz
  7. bahis

    Way cool! Some very valid points! I appreciate you writing this post plus the rest of the site is really good. Astra Forbes Sjoberg

    Odpowiedz
  8. sikis

    I conceive you have observed some very interesting details, thanks for the post. Marrilee Laurens Dante

    Odpowiedz
  9. bahis

    Hello. This post was extremely remarkable, particularly since I was searching for thoughts on this subject last Sunday. Pauline Ricardo Padriac

    Odpowiedz
  10. sikis

    Your method of describing all in this article is in fact nice, every one can without difficulty know it, Thanks a lot. Ginnie Husain Turoff

    Odpowiedz
  11. erotik

    You made some suitable points there. I viewed on the internet for the problem and also located most individuals will support with your website. Tarrah Graham Downall

    Odpowiedz
  12. erotik

    You made various good points there. I did a search on the issue and found nearly all people will consent with your blog. Kristan Keelby Herriott

    Odpowiedz
  13. bahis

    One of our guests a short while ago recommended the following website. Gusty Gareth Shirleen

    Odpowiedz
  14. bahis

    Very informative article. Much thanks again. Want more. Ellyn Farley Grodin

    Odpowiedz
  15. erotik

    Redirect dofollow backlinks are one of the most powerful SEO backlinks for ranking websites at top positions in any search engine. Gwyn Darwin Thorvald

    Odpowiedz
  16. sikis

    I hope you continue your posting on this subject niche and I wish to see a lot more from you in the months ahead. Claudette Alisander Senzer

    Odpowiedz
  17. erotik

    Thanks for this post, I am a big fan of this site would like to go along updated. Gail Allen Domini

    Odpowiedz
  18. indir

    I am genuinely grateful to the holder of this site who has shared this enormous piece of writing at at this time. Ange Dominik Tingey

    Odpowiedz
  19. web-dl

    You made some decent points there. I did a search on the issue and found most individuals will go along with with your blog. Clarey Brian Mellar

    Odpowiedz
  20. yify

    I cannot thank you enough for the blog article. Thanks Again. Fantastic. Reeta Germayne Kurys

    Odpowiedz
  21. ucretsiz

    Thanks for all your efforts that you have put in this. Very interesting info. Nancy Patrizio Marion

    Odpowiedz
  22. indir

    I see something genuinely interesting about your blog so I saved to favorites . Moreen Woody Malvin

    Odpowiedz
  23. web-dl

    Am nevoie urgent de5000 euro pe o perioada de12luni. Gusella Mason Brody

    Odpowiedz
  24. bluray

    Well I really enjoyed studying it. This article offered by you is very constructive for correct planning. Kathryn Sigismund Mandych

    Odpowiedz
  25. indir

    You made a number of good points there. I did a search on the topic and found a good number of folks will consent with your blog. Myrle Lamond Jesher

    Odpowiedz
  26. yify

    I like it whenever people get together and share opinions. Giuditta Wood Quenna

    Odpowiedz
  27. bluray

    Now I am going to do my breakfast, once having my breakfast coming yet again to read additional news. Antonia Murvyn Ernesto

    Odpowiedz
  28. bedava

    I feel that is one of the so much vital info for me. Franny Seymour Ferde

    Odpowiedz
  29. yify

    My name is Albert. And I am a professional academic writer with many years of experience in writing. Casi Care Abebi

    Odpowiedz
  30. cbd

    I wanted to send you the very little remark to finally thank you the moment again over the remarkable techniques you have shared on this page. This has been simply surprisingly open-handed with you in giving easily all a few people could have advertised as an e-book in making some bucks for their own end, certainly considering that you could have done it if you considered necessary. The basics additionally acted as a easy way to be aware that many people have a similar desire just as mine to figure out a great deal more concerning this condition. Certainly there are a lot more enjoyable instances ahead for folks who check out your blog.

    Odpowiedz
  31. aripiprazole without a prescription

    I precisely desired to say thanks again. I’m not certain the things I could possibly have accomplished in the absence of the advice contributed by you about my area. Certainly was a alarming case for me, but being able to see a expert approach you dealt with it forced me to cry for contentment. Extremely grateful for the advice and believe you are aware of a powerful job that you’re accomplishing educating many others all through a blog. I’m certain you’ve never come across all of us.

    Odpowiedz
  32. generic remeron

    My husband and i ended up being contented Chris could carry out his basic research by way of the ideas he came across from your own blog. It’s not at all simplistic just to always be giving away guidelines many others could have been making money from. And now we consider we’ve got the blog owner to appreciate because of that. All the explanations you’ve made, the easy blog navigation, the relationships your site make it possible to promote – it is mostly wonderful, and it is making our son in addition to us understand this topic is thrilling, which is certainly wonderfully vital. Thanks for the whole thing!

    Odpowiedz
  33. paroxetine without a prescription

    I’m commenting to let you be aware of of the awesome discovery my child developed browsing the blog. She came to find a good number of details, including how it is like to have a great coaching character to get a number of people clearly completely grasp a number of advanced issues. You actually did more than her desires. I appreciate you for churning out such beneficial, dependable, edifying and cool guidance on that topic to Emily.

    Odpowiedz
  34. tofranil cost

    My spouse and i got quite happy that John managed to do his preliminary research through the entire precious recommendations he grabbed out of your web pages. It is now and again perplexing to just continually be giving out procedures which others may have been selling. So we grasp we have got the writer to give thanks to for that. The main illustrations you have made, the simple web site navigation, the relationships you will help foster – it’s got many impressive, and it’s really helping our son in addition to the family know that the matter is excellent, which is quite mandatory. Thank you for everything!

    Odpowiedz
  35. bupropion price

    I am only writing to make you understand what a superb experience our princess undergone viewing yuor web blog. She picked up such a lot of things, with the inclusion of what it is like to possess an ideal teaching style to make the mediocre ones without hassle master specified tricky topics. You undoubtedly surpassed visitors’ expected results. Thanks for showing those precious, trusted, informative and in addition fun tips about this topic to Lizeth.

    Odpowiedz
  36. web

    Hello, recognition you for facts! I repost in Facebook

    Odpowiedz
  37. erotik

    Wonderful article! We will be linking to this particularly great content on our website. Keep up the great writing. Robbyn Massimiliano Samford

    Odpowiedz
  38. Google

    Here are some of the web-sites we advocate for our visitors.

    Odpowiedz
  39. آهنگ

    Thank you for posting. I have the same as you think

    Odpowiedz
  40. Google

    Always a significant fan of linking to bloggers that I love but really don’t get lots of link like from.

    Odpowiedz
  41. online

    We can certainly tell with Sony really outdid themselves. Jinny Noah Mountford

    Odpowiedz
  42. online

    wonderful issues altogether, you simply won a new reader. What may you suggest in regards to your put up that you simply made a few days in the past? Any certain? Ernesta York Ketchan

    Odpowiedz
  43. dublaj

    I was very pleased to discover this great site. I want to to thank you for ones time just for this wonderful read!! I definitely liked every little bit of it and i also have you book marked to see new information in your blog. Kaela Findlay Obelia

    Odpowiedz
  44. dublaj

    Excellent blog here! Also your website loads up fast! Lorinda Aguistin Grazia

    Odpowiedz
  45. netflix

    I have yet to visit outside of winter, but I would love to!!! It can get very cold during the winter so it is challenging to stay outdoors for a long period of time. Barbe Renault Winfrid

    Odpowiedz
  46. movie download

    Why users still use to read news papers when in this technological globe the whole thing is accessible on web? Janine Loydie Sunshine

    Odpowiedz
  47. bypass shell

    It’s going to be ending of mine day, however before ending
    I am reading this fantastic article to increase my knowledge.

    Odpowiedz
  48. 720p

    You must find a currency broker that has experience in the market that will negotiate ?. Cal Laney Xaviera

    Odpowiedz
  49. türk gerçek takipçi

    Howdy, i read your blog occasionally and i own a similar one and i was just wondering
    if you get a lot of spam comments? If so how do you reduce
    it, any plugin or anything you can advise? I get so much lately it’s driving me insane so any support is
    very much appreciated.

    Odpowiedz
  50. 해외선물갤러리

    Attractive section of content. I simply stumbled upon your blog and in accession capital to assert that I acquire in fact enjoyed
    account your blog posts. Anyway I’ll be subscribing
    on your augment or even I success you access constantly quickly.해외선물갤러리

    Odpowiedz
  51. 토렌트사이트

    That is a very good tip especially to those new to the blogosphere.
    Short but very accurate info… Appreciate
    your sharing this one. A must read post토렌트사이트

    Odpowiedz
  52. Fenix tyres

    Wonderful story, reckoned we could combine a number of unrelated information, nevertheless actually really worth taking a look, whoa did one particular study about Mid East has got much more problerms at the same time

    Odpowiedz
  53. LEMONBERRY DANK VAPES

    always a large fan of linking to bloggers that I adore but do not get a good deal of link love from

    Odpowiedz
  54. 우리카지노

    that could be the finish of this report. Here you will locate some web-sites that we feel you will value, just click the hyperlinks over

    Odpowiedz
  55. 샌즈카지노

    we came across a cool web page which you may enjoy. Take a appear in case you want

    Odpowiedz
  56. 퍼스트카지노

    that will be the end of this article. Here youll uncover some websites that we believe you will appreciate, just click the links over

    Odpowiedz
  57. 코인카지노

    below youll locate the link to some websites that we feel you need to visit

    Odpowiedz
  58. Dank Vapes

    one of our visitors just lately suggested the following website

    Odpowiedz
  59. turkce

    Good article. I am facing many of these issues as well.. Leone Carmine Narra

    Odpowiedz
  60. turkce

    I conceive you have noted some very interesting details , regards for the post. Devan Ahmed Evslin

    Odpowiedz
  61. turkce

    Bagi segala para pemain pasti diharuskan memiliki sedikit pemahaman mengenai sistem cermat. Menang main game mpo slot online di situs Mpo Slot Online. Sebelum taruhan kau mainkan. Jarang kali banyak pemain tidak memikirkan seputar tersebut. Hampir semua kebanyakan pemain hanya menghendaki ada suatu keberuntungan dalam setiap spin yang dilaksanakan. Gussy Quintin Milzie

    Odpowiedz
  62. turkce

    If you would like to obtain a great deal from this article then you have to apply such methods to your won web site.| Teena Rafael Rechaba

    Odpowiedz
  63. turkce

    Nice read, I just passed this onto a friend who was doing some research on that. And he actually bought me lunch because I found it for him smile Thus let me rephrase that: Thank you for lunch! Dodi Crichton Kristine

    Odpowiedz
  64. turkce

    Thank you for the sensible critique. Me and my neighbor were just preparing to do a little research on this. We got a grab a book from our local library but I think I learned more clear from this post. I am very glad to see such magnificent info being shared freely out there. Lynda Marv Ameline

    Odpowiedz
  65. meditation for headache relief

    Thanks for your concepts. One thing we’ve noticed is banks along with financial institutions are aware of the spending practices of consumers while also understand that most of the people max out and about their real credit cards around the getaways. They properly take advantage of this specific fact and commence flooding your current inbox along with snail-mail box using hundreds of no-interest APR card offers just after the holiday season concludes. Knowing that should you be like 98% of American community, you’ll rush at the possible opportunity to consolidate card debt and shift balances for 0 apr interest rates credit cards. kjjjilm https://headachemedi.com – meditation for headache relief

    Odpowiedz
  66. anaimmi

    although websites we backlink to below are considerably not connected to ours, we feel they’re really worth a go via, so possess a look

    Odpowiedz
  67. check out canada immigration news

    very few internet sites that happen to become in depth below, from our point of view are undoubtedly effectively worth checking out

    Odpowiedz
  68. best cbd oil

    the time to study or check out the subject material or web pages we have linked to below the

    Odpowiedz
  69. strand voyages

    Wonderful story, reckoned we could combine a number of unrelated information, nevertheless really worth taking a appear, whoa did one study about Mid East has got additional problerms as well

    Odpowiedz
  70. cbd oil near me

    check below, are some absolutely unrelated web-sites to ours, nonetheless, they may be most trustworthy sources that we use

    Odpowiedz
  71. drugs used for thyroid problems

    Thanks for your thoughts. One thing I’ve got noticed is the fact banks in addition to financial institutions understand the spending behaviors of consumers and as well understand that the majority of people max out and about their cards around the breaks. They smartly take advantage of that fact and then start flooding ones inbox in addition to snail-mail box having hundreds of no interest APR credit cards offers shortly after the holiday season concludes. Knowing that for anyone who is like 98% in the American general public, you’ll soar at the possible opportunity to consolidate consumer credit card debt and switch balances towards 0 interest rate credit cards. mllkjmn https://thyroidmedi.com – drugs used for thyroid problems

    Odpowiedz
  72. cbd for anxiety

    here are some links to web pages that we link to due to the fact we believe they’re worth visiting

    Odpowiedz
  73. best cbd for dogs

    we prefer to honor several other net web-sites on the internet, even when they arent linked to us, by linking to them. Underneath are some webpages really worth checking out

    Odpowiedz
  74. best cbd gummies

    usually posts some incredibly exciting stuff like this. If youre new to this site

    Odpowiedz
  75. best cbd for dogs

    we came across a cool web page which you may delight in. Take a look when you want

    Odpowiedz
  76. cbd oil for dogs

    very few web sites that happen to become in depth below, from our point of view are undoubtedly nicely worth checking out

    Odpowiedz
  77. buy stomach pain meds

    Thanks for your ideas. One thing I have noticed is that banks and financial institutions know the spending habits of consumers and understand that most people max out their credit cards around the holidays. They wisely take advantage of this fact and start flooding your inbox and snail-mail box with hundreds of 0 APR credit card offers soon after the holiday season ends. Knowing that if you are like 98% of the American public, you’ll jump at the chance to consolidate credit card debt and transfer balances to 0 APR credit cards. baaaaaa https://stomachmedi.com – buy stomach pain meds

    Odpowiedz
  78. using sex as an exercise

    always a large fan of linking to bloggers that I love but do not get a whole lot of link adore from

    Odpowiedz
  79. best cbd gummies

    Every as soon as in a whilst we select blogs that we study. Listed beneath would be the most recent web sites that we choose

    Odpowiedz
  80. best p spot toy

    we prefer to honor several other online web-sites around the internet, even if they arent linked to us, by linking to them. Below are some webpages really worth checking out

    Odpowiedz
  81. over counter medicine for stomach pain

    Thanks for your strategies. One thing really noticed is that often banks plus financial institutions know the dimensions and spending patterns of consumers plus understand that plenty of people max outside their cards around the trips. They correctly take advantage of this real fact and then start flooding a person’s inbox plus snail-mail box by using hundreds of no interest APR credit cards offers shortly when the holiday season closes. Knowing that if you’re like 98% of all American open public, you’ll leap at the opportunity to consolidate credit debt and move balances to 0 annual percentage rates credit cards. feeeegj https://pancreasmedi.com – best stomach medication

    Odpowiedz
  82. best prostate vibrator

    Every once in a whilst we pick out blogs that we read. Listed below are the most recent web pages that we choose

    Odpowiedz
  83. house on rent singapore

    very few websites that come about to become in depth below, from our point of view are undoubtedly effectively really worth checking out

    Odpowiedz
  84. red maeng da kratom

    although websites we backlink to below are considerably not associated to ours, we feel they’re truly really worth a go through, so possess a look

    Odpowiedz
  85. kidney pain drugs

    As a Newbie, I am permanently exploring online for articles that can benefit me. Thank you

    Odpowiedz
  86. green maeng da kratom

    here are some hyperlinks to internet sites that we link to since we feel they may be worth visiting

    Odpowiedz
  87. white maeng da kratom

    the time to read or pay a visit to the content or internet sites we have linked to beneath the

    Odpowiedz
  88. working visa

    usually posts some incredibly fascinating stuff like this. If you are new to this site

    Odpowiedz
  89. 우리카지노

    Here are some of the web pages we recommend for our visitors

    Odpowiedz
  90. 샌즈카지노

    the time to read or visit the material or internet sites we’ve linked to below the

    Odpowiedz
  91. 퍼스트카지노

    Here is a superb Blog You may Locate Fascinating that we Encourage You

    Odpowiedz
  92. 메리트카지노

    although internet sites we backlink to below are considerably not associated to ours, we feel they are in fact worth a go through, so have a look

    Odpowiedz
  93. buy instagram followers

    The information and facts talked about within the report are a number of the very best out there

    Odpowiedz
  94. 코인카지노

    please stop by the sites we stick to, which includes this one, as it represents our picks through the web

    Odpowiedz
  95. cbd for sale

    the time to read or visit the content material or internet sites we’ve linked to beneath the

    Odpowiedz
  96. cbd oil for sale

    just beneath, are several completely not associated web-sites to ours, on the other hand, they’re surely really worth going over

    Odpowiedz
  97. best cbd oils

    below youll uncover the link to some web pages that we think you need to visit

    Odpowiedz
  98. drugs used to treat hair loss

    Thanks for your recommendations on this blog. A single thing I would want to say is purchasing electronic devices items from the Internet is certainly not new. The truth is, in the past several years alone, the marketplace for online electronic devices has grown noticeably. Today, you will discover practically almost any electronic system and devices on the Internet, including cameras along with camcorders to computer elements and game playing consoles. https://hairlossbimedi.com – drugs used to treat hair loss

    Odpowiedz
  99. buy cbd oil

    Wonderful story, reckoned we could combine a number of unrelated data, nonetheless really really worth taking a search, whoa did a single study about Mid East has got additional problerms as well

    Odpowiedz
  100. buy impotence medications

    Today, with all the fast life style that everyone is having, credit cards have a big demand throughout the economy. Persons coming from every area of life are using credit card and people who aren’t using the credit cards have made up their minds to apply for even one. Thanks for expressing your ideas about credit cards. https://impotencemedi.com buy impotence medications

    Odpowiedz
  101. liver pain meds

    Very nice post and right to the point. I don’t know if this is really the best place to ask but do you guys have any ideea where to hire some professional writers? Thanks in advance 🙂 https://livermedi.com liver pain meds

    Odpowiedz
  102. virtual credit card

    check beneath, are some completely unrelated internet sites to ours, having said that, they are most trustworthy sources that we use

    Odpowiedz
  103. buy cbd|cbd oil

    here are some hyperlinks to internet sites that we link to for the reason that we assume they may be worth visiting

    Odpowiedz
  104. psoriasis drugs

    Today, with all the fast life style that everyone is having, credit cards have a big demand throughout the economy. Persons coming from every area of life are using credit card and people who aren’t using the credit cards have made up their minds to apply for even one. Thanks for expressing your ideas about credit cards. https://psoriasismedi.com psoriasis drugs

    Odpowiedz
  105. treatments for psoriasis

    Today, considering the fast way of life that everyone leads, credit cards have a huge demand in the economy. Persons throughout every area are using the credit card and people who are not using the card have arranged to apply for 1. Thanks for discussing your ideas on credit cards. https://psoriasismedi.com treatments for psoriasis

    Odpowiedz
  106. website seo service

    please take a look at the web pages we adhere to, which includes this a single, because it represents our picks through the web

    Odpowiedz
  107. damaged liver drugs

    Good info and straight to the point. I am not sure if this is actually the best place to ask but do you folks have any thoughts on where to get some professional writers? Thank you 🙂 https://livermedi.com damaged liver drugs

    Odpowiedz
  108. new liver drug for cirrhosis

    Good info and straight to the point. I am not sure if this is actually the best place to ask but do you folks have any thoughts on where to get some professional writers? Thank you 🙂 https://livermedi.com new liver drug for cirrhosis

    Odpowiedz
  109. Arthritis meds

    Awsome post and right to the point. I don’t know if this is truly the best place to ask but do you guys have any ideea where to hire some professional writers? Thx 🙂 https://arthritismedi.com Arthritis meds

    Odpowiedz
  110. best medicine for hemorrhoids

    Today, with all the fast way of living that everyone is having, credit cards get this amazing demand throughout the market. Persons coming from every discipline are using credit card and people who not using the credit card have made arrangements to apply for one in particular. Thanks for giving your ideas in credit cards. https://hemorrhoidsmedi.com best medicine for hemorrhoids

    Odpowiedz
  111. buy Arthritis meds

    Awsome article and right to the point. I don’t know if this is truly the best place to ask but do you people have any ideea where to employ some professional writers? Thx 🙂 https://arthritismedi.com buy Arthritis meds

    Odpowiedz
  112. generic varicose veins medication

    Today, with the fast way of life that everyone leads, credit cards have a huge demand in the economy. Persons from every area are using the credit card and people who are not using the card have arranged to apply for 1. Thanks for discussing your ideas on credit cards. https://varicoseveinsmedi.com generic varicose veins medication

    Odpowiedz
  113. hypertension medications

    Today, considering the fast life-style that everyone leads, credit cards have a big demand throughout the economy. Persons throughout every area of life are using the credit card and people who aren’t using the credit cards have made up their minds to apply for even one. Thanks for revealing your ideas about credit cards. https://hypertensionmedi.com hypertension medications

    Odpowiedz
  114. multiple sclerosis news

    Today, with all the fast way of living that everyone is having, credit cards get this amazing demand throughout the market. Persons coming from every discipline are using credit card and people who not using the credit card have made arrangements to apply for one in particular. Thanks for giving your ideas in credit cards. https://multiplesclerosismed.com multiple sclerosis news

    Odpowiedz
  115. 미러급 레플리카

    here are some links to web-sites that we link to due to the fact we think they may be worth visiting

    Odpowiedz
  116. Alpine Star Strain

    The information mentioned inside the write-up are a number of the most beneficial offered

    Odpowiedz
  117. best cancer medications

    Fantastic web site. Lots of useful information here. I’m sending it to a few buddies ans also sharing in delicious. And obviously, thank you on your effort! https://cancermedph.com best cancer medications

    Odpowiedz
  118. Anxiety for sale

    magnificent put up, very informative. I ponder why the opposite specialists of this sector don’t notice this. You must proceed your writing. I’m confident, you’ve a great readers’ base already! https://anxietymedi.com Anxiety for sale

    Odpowiedz
  119. osteoporosis medications without side effects

    I learned more new things on this weight loss issue. One issue is that good nutrition is highly vital when dieting. A huge reduction in fast foods, sugary foods, fried foods, sugary foods, red meat, and white flour products may be necessary. Holding wastes parasites, and toxins may prevent goals for losing fat. While certain drugs temporarily solve the problem, the nasty side effects are not worth it, and they never offer more than a temporary solution. It is a known fact that 95% of fad diets fail. Thanks for sharing your ideas on this blog. https://osteoporosismedi.com osteoporosis medications without side effects

    Odpowiedz
  120. Hypothyroidism medication

    Hi there, just became alert to your blog through Google, and found that it’s truly informative. I am going to watch out for brussels. I’ll be grateful if you continue this in future. Many people will be benefited from your writing. Cheers! https://hypothyroidismmed.com/ Hypothyroidism medication

    Odpowiedz
  121. bronchitis medication over the counter

    I truly wanted to write down a small word to be able to thank you for those unique tips and tricks you are writing on this website. My time consuming internet search has now been rewarded with useful suggestions to write about with my relatives. I would suppose that we website visitors are very lucky to live in a fine network with many lovely individuals with great ideas. I feel quite fortunate to have discovered the web pages and look forward to plenty of more cool minutes reading here. Thank you again for a lot of things. https://bronchitismed.com bronchitis drugs

    Odpowiedz
  122. over counter drugs for bronchitis

    I simply wanted to write a small word to be able to thank you for these stunning tips you are showing on this website. My time consuming internet search has now been rewarded with reputable strategies to write about with my pals. I would state that that we website visitors are unquestionably lucky to live in a useful website with very many special professionals with very beneficial things. I feel very lucky to have used your entire website and look forward to some more fun times reading here. Thanks a lot once more for everything. https://bronchitismed.com over counter drugs for bronchitis

    Odpowiedz
  123. buy epilepsy medications

    fantastic publish, very informative. I’m wondering why the opposite specialists of this sector don’t understand this. You must proceed your writing. I’m confident, you’ve a great readers’ base already! https://epilepsymedi.com buy epilepsy medications

    Odpowiedz
  124. treatment for hypothyroidism

    Hello there, just became aware of your blog through Google, and found that it is really informative. I’m gonna watch out for brussels. I will appreciate if you continue this in future. A lot of people will be benefited from your writing. Cheers! https://hypothyroidismmed.com/ treatment for hypothyroidism

    Odpowiedz
  125. best osteoporosis treatment

    I acquired more new stuff on this losing weight issue. Just one issue is a good nutrition is vital if dieting. A big reduction in bad foods, sugary foodstuff, fried foods, sweet foods, pork, and white colored flour products may perhaps be necessary. Retaining wastes harmful bacteria, and contaminants may prevent aims for losing belly fat. While specified drugs momentarily solve the matter, the bad side effects are usually not worth it, they usually never give more than a short lived solution. It can be a known incontrovertible fact that 95% of fad diet plans fail. Many thanks sharing your notions on this site. https://osteoporosismedi.com best osteoporosis treatment

    Odpowiedz
  126. BUY ATIVAN 1MG

    always a huge fan of linking to bloggers that I appreciate but dont get a whole lot of link adore from

    Odpowiedz
  127. classic vibrators

    always a major fan of linking to bloggers that I appreciate but do not get lots of link adore from

    Odpowiedz
  128. what is masturbation

    just beneath, are several entirely not related web-sites to ours, however, they may be surely really worth going over

    Odpowiedz
  129. Buy Bath Salts Online

    check below, are some entirely unrelated sites to ours, on the other hand, they’re most trustworthy sources that we use

    Odpowiedz
  130. Can I buy Tramadol online

    that will be the end of this post. Right here youll come across some web sites that we assume you will enjoy, just click the hyperlinks over

    Odpowiedz
  131. Gay Porn

    usually posts some really exciting stuff like this. If you are new to this site

    Odpowiedz
  132. kratom for sale

    below you will obtain the link to some sites that we believe you’ll want to visit

    Odpowiedz
  133. kratom for pain

    the time to read or pay a visit to the subject material or internet sites we’ve linked to below the

    Odpowiedz

Wyślij komentarz

Twój adres email nie zostanie opublikowany.

WYCENY AKTYW

WIG201949.57+2.22%
mWIG404339.25+0.74%
sWIG8017825.93+1.69%
SP5003898.55+2.29%
NASDAQ13524.00+2.51%
DOW JONES31478.00+1.83%
ZŁOTO1723.950-0.49%
SREBRO26.692+0.09%
BITCOIN49629.9883+14.09%
ETHERIUM1579.9900+13.32%

SOCIAL MEDIA

O MNIE

Marcin Walkowski

Marcin Walkowski

Stanowisko

Nazywam się Walkowski, Marcin Walkowski 🙂 Od lat interesuję się finansami i sam inwestuję. Jeśli jara Cię to tak jak mnie, to jestem przekonany, że będziesz tu częstym gościem. Jeśli (jeszcze) Ciebie to nie kręci, to jest to dobry początek by się wiele nauczyć.

KOD RABATOWY DO 10%: KASAWKIESZENI

NEWSLETTER