A pénzbefektetés legjobb módjai Magyarországon 2025

If you have a lot of money and it’s burning your pocket, you need to put it to work. You’ve probably wondered, „What should I invest my money in?” Gone are the days when you could put your money in a savings account and earn 4% interest. We’ll tell you why you should invest in corporate stocks for higher returns and how to control the associated risks. Read on for the best ways to invest money in Hungary 2025, from stocks and commodities to cryptocurrencies.

A lakossági befektetői számlák {etoroCFDrisk} %-a pénzt veszít, amikor CFD-kel kereskedik ezzel a szolgáltatóval.

Investing money in the markets

1. Choose the eToro platform for investing in financial markets and advanced social trading
2. Open an account with eToro
3. Deposit into your account
4. Select the desired instrument and open a deal

A lakossági befektetői számlák {etoroCFDrisk} %-a pénzt veszít, amikor CFD-kel kereskedik ezzel a szolgáltatóval.

The best ways to invest money

Is there a best way to invest money?

Need help finding the best ways to invest your money in Hungary? Below are some money investing tips and different tools that can be set up to generate great returns in the coming year and beyond. Scroll down for a full overview of each tool.

• Individual shares
• Commodities
• Cryptocurrencies
• Exchange-traded funds, index funds , and mutual funds
• Real estate
• Bonds

What is the best way to invest money? – Overview

You’ve probably wondered: What should I invest my money in? When you’re trying to figure out the best ways to invest your money in Hungary, the main questions are how much money you have, when you need to access your funds, or in other words, how long you intend to hold the investment, and how you approach risks. Your approach to your investment goals will also vary depending on whether you want to invest 100,000 or 2 million forints.

If you have a smaller amount to invest, you may be more risk-averse when it comes to capital preservation. You may also be younger and therefore more likely to invest in an asset for a longer period of time and therefore be willing to take on more risk.

There are a wide range of risk tolerance money investment calculators available that will answer a series of questions about determining your risk profile – these ask questions such as how much you need to invest, how much you would tolerate losing, what types of investments you are considering for each risk, and what your investment goals are – are you saving for your child’s education, planning to buy a house or something else, saving for retirement or worse, or perhaps planning a major expense in the short term, such as buying a new car.

What is worth investing money in?

Ultimately, the best investment for you will depend on your individual requirements, but most investors will have some exposure to equities. Consider a “core and satellite” approach, where you would likely place the medium-risk asset in the core, surrounded by smaller “satellite” investments that complement the core and may include higher-risk securities.

Finally, never forget about the risk-reward ratio: the higher your target profit, the more risk you should take, and vice versa.

One way to invest money: Stocks

Stocks are an easy-to-understand investment concept , but knowing which ones to invest your hard-earned money in is a whole other matter. One way to narrow down your choices is to first focus on the different characteristics of stocks, such as high and low risk, large and small companies, different industries, etc.

Investing money in stocks: market capitalization 

Larger companies are generally safer than smaller companies, simply because they are more established in their markets and, as mature market players, are likely to be sustainably profitable.

On the other hand, smaller companies are generally riskier, precisely because they are just now trying to gain a foothold in their target markets and may not yet have reached the revenue necessary to ensure profitability because they are in the early stages of their growth.

Larger companies are much more likely to pay dividends. However, smaller companies are faster than their larger counterparts and can react with greater momentum to seize profitable opportunities. Basically, smaller companies have better growth potential than mature, larger companies.

Smaller companies tend to focus more on the domestic market, while larger companies are more likely to have international business.

All of these market capitalization considerations must be taken into account when investing money, and they can have a significant impact on the risk taken and the expected return.

Investing money in stocks: growth versus value 

Growth stocks are generally considered to be securities that grow significantly above the average growth of the overall market. They typically focus on new technologies and/or new and expanding markets. Growth companies may themselves be disruptive in other sectors other than technology, and instead may have a new product that happens to be much better than what competitors offer, but they cannot protect this differentiating value from copycats.

Undervalued companies – which can be in any industry – are those that are valued below their intrinsic value and may fall outside of popular sectors. In addition to having low valuations, they tend to be found in cash-generating sectors, such as consumer staples, and are more likely to pay dividends to shareholders. Undervalued companies can also be found in other areas, such as energy, metals, utilities, and other industrial sectors.

There is a never-ending debate about the value of undervalued and growth stocks, but over the past 10 years or more, growth stocks, such as US technology giants, have become outperformers.

Investing money in stocks: cyclical versus non-cyclical

Cyclical stocks are those that are most sensitive to the expansion and contraction of economic activity, which is said to occur in recurring cycles. These economic and business cycles vary by country and industry, but they are interconnected. Cyclical stocks generally benefit at the start of a new economic cycle as the economy recovers from a downturn. These stocks are found in areas where activity is expanding the fastest and include discretionary spending that may have been restricted during a period of austerity, such as airlines, apparel, entertainment, and travel stocks.

Non-cyclical stocks, sometimes called non-discriminatory stocks, are stocks of companies in industries where spending remains constant throughout every economic cycle because consumers and industrial buyers of goods and services have no choice but to continue making those purchases. Utilities are one example. Even though demand may decline to some extent, heating homes or powering factories will remain a top priority, and they will be the last to cut spending.

Some commentators say undervalued stocks will come back to the fore in the next few years as economies recover from the Covid pandemic and investors swap high-value (overvalued?) technology stocks for consumer cyclicals.

Investing money in stocks: domestic versus global

There was a time when investors were mostly focused on their home markets. However, these days it is easier than ever to invest money anywhere in the world, with most investment platforms providing access to stocks from all over the world.

However, there are also important differences between the economies of different countries and regions, as well as between exchange rate risks.

Each stock market has its own distribution of dominant sectors and industries. For example, the British economy is heavily dominated by services, while the German economy has many more manufacturing exporters. Other places, such as the United States, are home to many of the world’s largest technology companies, and this is also true in China.

Additionally, if you invest in shares denominated in a foreign currency, there is a risk that the exchange rate will move against you, which you should also consider. So, if the pound falls against the dollar and you invest in US stocks in the UK, you will lose some of the value of the shares when you realise your investment gain and convert your dollar holdings into pounds.

Investing money in stocks: industrial sectors 

You should try to balance your investments across industry sectors and/or focus on those that best suit your investment objectives. For example, growth opportunities are likely to be better in technology ETFs than in banking, but the risks may also be higher. If you are looking for income (dividends), banking may be more beneficial than technology. Here are some key sectors to consider, although this is not an exhaustive list:

• Consumer
• Industrial
• Healthcare
• Technological
• Energetic
• Public utilities
• Financial
• Raw materials

These are just a few of the major industry sectors – and they can all be broken down further. Think carefully about which sectors you want to invest your money in, in terms of expected returns and the associated risk. You may prefer to invest in sectors that you know more about. This is a good approach, but always keep in mind that you need to diversify your investments to protect the value of your overall portfolio.

Other ways to invest money: ETFs, index funds, mutual funds, and investment funds

So-called collective investment vehicles, such as exchange-traded funds, index funds and mutual funds, are important parts of the investment universe. These vehicles allow investors to pool their funds and thus collectively invest either in an underlying basket of assets with the aim of tracking an index representing an asset class, or in a collection of securities within an asset class, or even in a mix of asset classes. The different types of funds can invest in almost every part of the financial universe.

Why are ETFs so popular? 

ETFs have gained popularity in the past few years due to their flexibility and low cost. ETFs track the price of an underlying asset through physical (holding the asset) or synthetic (using derivatives) multiples, and are bought and sold on an exchange like common stocks. The ETF industry managed approximately $7.7 trillion in assets in 2020.

Index funds are a subset of ETFs, but can also be set up as investment funds. Sometimes simply referred to as tracker funds, they track the returns of an index, such as the FTSE 100 or S&P 500. This is achieved by holding the underlying asset class as previously described, or by gaining exposure through derivatives. Index funds and ETFs provide an extremely low-cost way to diversify your portfolio, as you can access a number of underlying securities with a single purchase.

• Also read our article on ETF trading .

Also take a look at mutual funds

Mutual funds are similar to ETFs in that they may have a basket of investments, but they are structured and traded very differently. Essentially, a mutual fund is not traded minute by minute on the stock exchange at a constantly changing price, but rather is priced once a day – usually at the end of the day.

Mutual funds are known as open-ended vehicles because they sell units to investors on demand and therefore have an “open-ended” capital structure. To exit a holding, you must return the unit to the fund’s issuer, as opposed to ETFs where you would simply sell the shares.

Don’t ignore mutual funds 

Mutual funds are a less popular form of collective investment vehicle. They are traded on an exchange like common stocks, but unlike mutual funds, they are closed-end instruments in terms of capital structure. This means that they have a relatively fixed capital structure and are not traded at their net asset value, as is the case with mutual funds and (usually) ETFs.

Investment funds trade either at a discount or at a premium to the value of their underlying assets. Trading at a discount means that the fund is valued at less than the net value of its assets, while trading at a premium means that it is valued at more than the assets it owns. Funds have certain advantages over mutual funds in that they can borrow (borrow) to increase their returns, although this can lead to greater losses. They can also buy back their shares to control the discount. This flexibility means that funds can, for example, withhold dividends for a few years and adjust the amount of debt they have to balance their returns. They have an independent board of directors, which provides an element of oversight over the management of the fund.

Investing money in cryptocurrencies

Some investors don’t even consider cryptocurrencies a legitimate asset class, so it’s clear that investing in this sector is considered extremely risky. However, with institutional investors taking a fresh look at the sector, hedge fund managers like Paul Tudor Jones investing and entering, Tesla buying Bitcoin into its corporate treasury, PayPal listing a number of digital assets, and giant funds and banks like Fidelity and Morgan Stanley getting involved in the asset class, opinions are changing rapidly. Many people are even considering cryptocurrencies as a safe-haven investment.

The shift in sentiment around cryptocurrencies comes as governments around the world are printing money in response to the Covid pandemic and the resulting cash shortages, as well as growing fears of a return to inflation. For anyone with money to invest, inflation is a huge potential threat, as it erodes purchasing power. But for debtors, inflation is good because it means they have less to pay back, and some investors suspect that some governments and central banks are therefore not worried about inflation and may actually welcome it, as long as it doesn’t get out of hand. Whatever your opinion, leading crypto, Bitcoin’s reputation as “digital gold” is being built as a hedge against devaluation and inflation.

Bitcoin investment

If you choose to invest in Bitcoin, it is a highly volatile asset, but if you hold it for the long term, both up and down trends tend to result in higher prices, so investing a small portion (up to 5%) of your net worth in Bitcoin or the best bitcoin stocks could be an option. There are other crypto assets worth considering, such as Ethereum, which can be used as a decentralized world computer on which anyone can run applications, in areas such as collectible tokens ( non-fungible tokens (NFTs)), which are becoming increasingly popular, and decentralized finance (DeFi) applications, where smart contracts are used to design fully programmable credit products, and more.

Investing money in commodities

Commodities include naturally occurring products such as oil and copper, cotton and wheat.

Investments in these areas can be made cheaply through ETFs and mutual funds and can be a valuable element of diversification in a portfolio that is weighted towards stocks and other asset classes. This is because commodity prices do not typically move in the same direction as stock prices, and the lack of positive correlation becomes a useful diversifying factor.

Investing money with portfolio copying and trading with copy trading 

The eToro investment platform is a leader in automated trading systems, with an innovative copy trading system that allows investors to copy the trades of other investors on the platform. The company has taken this service to the next level with the introduction of Copy Portfolios . These are similar to the collective investment funds we discussed earlier, they are built around a specific industry theme and have a basket of stocks to gain exposure to that area. However, unlike ETFs and mutual funds, they do not have any management fees or costs. The only associated cost is the price spread that occurs when the copied trader executes trades in the CopyPortfolio instrument in which you are invested.

The best money investment platforms in Hungary

There are dozens of investment apps and stock brokers to choose from in Hungary. We’ve narrowed it down to the best. Although eToro is the top pick for value for money, each investor’s needs may vary, so they can find one that suits their investment goals.

1. eToro – Overall the best broker in Hungary for investing money

We chose eToro because its fees are among the lowest in the brokerage market. Probably just as important is its easy-to-use interface that focuses on transparency rather than intimidation. eToro pays the stamp duty on your share transactions on your behalf, which means significant savings.

The regulated broker – which now has 20 million clients worldwide – allows you to invest in a wide range of stocks from around the world and the most popular ETFs. It also offers markets through its proprietary Copy Trading tool. In addition, many of its markets are available through CFD trading, and for those who want to go one step further, you can also take advantage of leverage.

We particularly like the platform’s selection of top ETFs, such as the Powershares QQQ ETF, which tracks the Nasdaq 100 index, which is comprised of several leading US technology companies.

On the eToro platform, ETFs are available as underlying products or through contracts for difference (CFDs). The screenshot above shows the CFD version.

If you choose not to use leverage , you can purchase the actual ETF.

CopyPortfolio and Copy Trader features

In addition to CopyPortfolios, you can also passively follow individual traders using the Copy Trader feature. The copy trading feature allows you to follow an experienced trader with a proven track record of verifiable returns visible in real time on the eToro platform. Below is the data sheet for SharpTraders CopyPortfolio, which copies 20 individual eToro traders.

You can choose from a total of 40 CopyPortfolios, which are divided into three groups: market, top trader and partner CopyPortfolios.

Another advantage of choosing the eToro platform is that both the website and mobile app are relatively easy to use: there is no confusing investment jargon, and everything is written in simple, everyday words whenever possible.

It literally takes just minutes to get started with eToro, and you can deposit instantly using a Hungarian debit card or bank transfer. All withdrawals are subject to a $5 withdrawal fee.

A lakossági befektetői számlák {etoroCFDrisk} %-a pénzt veszít, amikor CFD-kel kereskedik ezzel a szolgáltatóval.

2. Pepperstone – One of the best money investing platforms

Pepperstone offers traders over 1,200 instruments to choose from. The various instruments are available in the form of CFDs – traders can choose from indices, cryptocurrencies, stocks and commodities. In addition , the platform also offers a wealth of educational materials to help novice traders learn the basics of trading. A variety of reports provide traders with valuable information regardless of their experience level.

The company was founded in 2010 by experienced traders with the goal of revolutionizing online trading. Pepperstone seems to have achieved this goal – it has positive reviews in almost all online reviews and is highly regarded by online traders. This makes it a good choice for those who believe that trading is one of the best ways to invest their money.

Pepperstone offers traders favorable commissions and even allows commission-free trading. There are no hidden fees on the platform, only the withdrawal costs money. Pepperstone’s website is suitable for all traders and also provides the educational materials you may need.

A lakossági befektetők 74,6%-a pénzt veszít, amikor spread fogadásokkal és CFD-kkel kereskedik ennél a szolgáltatónál.

3. XTB – Experienced broker offering the best ways to invest money

With XTB broker , you can invest your money quickly and easily. First, take 10 minutes and create a calm environment around you. Visit the XTB website or open the xStation mobile application. Currently, you can choose between basic, standard or pro offers.

If you get stuck during the process, don’t be discouraged, contact XTB customer service by phone, email, or chat.

You can trade over 2,200 CFD products on the site. Forex, indices, commodities, stocks, ETFs and cryptocurrencies are also available. If you feel that your knowledge is lacking, take advantage of XTB’s educational services.

The XTB platform aims to help users make safer financial decisions and investments, and to help reduce risks. They also list many examples of this on the site. Of course, it is important to inform yourself and do thorough research before investing.

Do you like to be mobile all the time? Download the award-winning xStation and follow market changes, economic news and performance statistics whenever and wherever you want. Low spreads and attractive commissions await you!

Choose from a variety of investment options!

A lakossági befektetők 78%-a veszteséget könyvel el CFD-kereskedés során ezzel a szolgáltatóval.

4. Libertex – The best broker with zero spreads

Libertex is a broker that offers investors an interesting offer. It does not charge a spread. The spread is the difference between the buy and sell price, and this is where brokers make part of their money.

While Libertex does not charge spreads, there is a commission to be paid on the buy and sell trades you can make on over 213 CFD instruments. These cover a wide range of asset classes – stocks, forex, commodities and cryptocurrencies.

Libertex also offers a high level of security as the company is licensed and regulated by CySEC. The minimum deposit to open an account is just €100 and can be made using bank transfer, credit/debit card and e-wallets such as Neteller and Skrill.

A lakossági befektetői számlák 73.77%-a pénzt veszít az ezen az oldalon végzett CFD-kereskedés során.

5. AvaTrade – the best broker for various account types

When it comes to investing money, there are different types of products available for investment. This includes physical transactions or buying and selling derivatives such as CFDs or options.

There are several different account types available on the AvaTrade platform , including a CFD trading account, a spread betting account, an options trading account, and an Islamic swap-free trading account.

Additionally, you can trade 100% commission-free on a global market covering over 1,250 stocks, bonds, indices, commodities, ETFs, forex and cryptocurrencies. The broker also offers a variety of trading platforms.

It’s natural that when it comes to investing money, you want to be sure you’re using a regulated, safe broker. Fortunately, AvaTrade is regulated in six different jurisdictions, overseen by the Central Bank of Ireland, the Australian Securities and Investments Commission, the Japanese Financial Services Agency, and many others.

A lakossági befektetői számlák 71% -a pénzt veszít az ezen az oldalon végzett CFD-kereskedés során.

Investing money on the eToro platform – Guide

Opening an eToro account is a simple process. To ensure your details are fully verified, you will need to provide an official form of identification, such as a passport or driver’s license, and proof of address, such as a utility bill or other document. You can start trading without providing this information, but you will need to complete the verification process to take full advantage of the platform.

The minimum amount you can invest is $10. The base currency of the site is the US dollar. Additional deposits are possible from $50.

Once you have paid your deposit, you are ready to trade.

To diversify your portfolio in this eToro trading demo, we recommend buying positions in Apple, Berkshire Hathaway, and gold, as well as a small amount of Ethereum, and opening a position in the CopyPortfolio tool. The examples below show how to buy Apple shares and invest in CopyPortfolio.

Investing Money 2025 – What should I invest my money in in Hungary? – Conclusion

eToro offers a wide range of markets, with a total of 3,000 securities to trade. This should be enough to satisfy the needs of even the most discerning investor. Instead, you only pay a small portion of the spread for each trade.

Additionally, eToro offers unique copy trading and CopyPortfolio capabilities. This makes it easy for newbies to get started, while also providing sophistication for more experienced traders.

For example, eToro allows investors to take leveraged positions. This is where the design and layout matter, everything is clearly visible on the platform, such as how much exposure you have with different amounts of leverage, or when you are buying the underlying asset versus when you are buying a CFD.

Investing money – The best broker in Hungary 

A lakossági befektetői számlák {etoroCFDrisk} %-a pénzt veszít, amikor CFD-kel kereskedik ezzel a szolgáltatóval.

 

Investing frequently asked questions – FAQ

It has built its reputation over thousands of years, and as such, it should be at or near the top of your safe haven list. The downside to gold, however, is that it doesn’t produce income in the form of dividends or interest.” image-5=”” headline-6=”h2″ question-6=”Investing money with a high yield? Which stocks provide the best returns?” answer-6=”Growth stocks that offer the potential for capital appreciation—that is, a rise in the price of a company’s stock—are typically found in sectors like technology. As an investment, technological change and emerging areas like renewable energy and an aging population are ones that could have growth potential for years to come. The trick, however, is to pick winners, not losers. New technology does not necessarily guarantee profits, and today’s leaders are not necessarily the ultimate big winners.” image-6=”” count=”7″ html=”true” css_class=””]It has built its reputation over thousands of years, and as such, it should be at or near the top of your safe haven list. The downside to gold, however, is that it doesn’t produce income in the form of dividends or interest.” image-5=”” headline-6=”h2″ question-6=”Investing money with a high yield? Which stocks provide the best returns?” answer-6=”Growth stocks that offer the potential for capital appreciation—that is, a rise in the price of a company’s stock—are typically found in sectors like technology. As an investment, technological change and emerging areas like renewable energy and an aging population are ones that could have growth potential for years to come. The trick, however, is to pick winners, not losers. New technology does not necessarily guarantee profits, and today’s leaders are not necessarily the ultimate big winners.” image-6=”” count=”7″ html=”true” css_class=””]