{"id":10003,"date":"2026-03-21T15:21:06","date_gmt":"2026-03-21T15:21:06","guid":{"rendered":"https:\/\/iocharts.io\/blog\/?p=10003"},"modified":"2026-03-21T19:24:27","modified_gmt":"2026-03-21T19:24:27","slug":"lightyear-a-legjobb-olcso-broker-2026-ban-arak-szolgaltatasok","status":"publish","type":"post","link":"https:\/\/iocharts.io\/blog\/lightyear-a-legjobb-olcso-broker-2026-ban-arak-szolgaltatasok\/","title":{"rendered":"Lightyear: a legjobb olcs\u00f3 br\u00f3ker 2026-ban? \u00c1rak, szolg\u00e1ltat\u00e1sok","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">A Lightyear br\u00f3ker bemutat\u00e1sa<\/h2>\n\n\n\n<p>A Lightyear egy 2020-ban alap\u00edtott \u00e9szt fintech startup, amelyet Martin Sokk \u00e9s Mihkel Aamer h\u00edvott \u00e9letre, <strong>mindketten a Wise kor\u00e1bbi munkat\u00e1rsai.<\/strong> A c\u00e9g alap\u00edt\u00f3i pontosan azt a probl\u00e9m\u00e1t akart\u00e1k megoldani, amit maguk is tapasztaltak:<strong> az eur\u00f3pai kisbefektet\u0151k sz\u00e1m\u00e1ra az \u00e9rt\u00e9kpap\u00edr-v\u00e1s\u00e1rl\u00e1s dr\u00e1ga, \u00e1tl\u00e1thatatlan \u00e9s k\u00f6r\u00fclm\u00e9nyes volt. <\/strong>A Lightyear m\u00f6g\u00f6tt komoly befektet\u0151i n\u00e9vsor \u00e1ll, k\u00f6zt\u00fck Richard Branson (Virgin Group), Taavet Hinrikus (a Wise t\u00e1rsalap\u00edt\u00f3ja) \u00e9s Jaan Tallinn (a Skype t\u00e1rsalap\u00edt\u00f3ja). Magyarok sz\u00e1m\u00e1ra sz\u00edvmelenget\u0151, hogy 2025 j\u00faliusa \u00f3ta Balogh P\u00e9ter STRT Holding Nyrt. startupokat t\u00f6m\u00f6r\u00edt\u0151 v\u00e1llalata is a tulajdonosok k\u00f6z\u00e9 ker\u00fclt. illetve a Lightyearen is el\u00e9rhet\u0151k a STRT r\u00e9szv\u00e9nyei. \u00cdgy aki kitetts\u00e9get akar szerezni a Lightyearben, az a STRT Holding Nyrt. birtokl\u00e1s\u00e1val ezt megteheti.<\/p>\n\n\n\n<p>Jelenleg 25 eur\u00f3pai orsz\u00e1gban \u00e9rhet\u0151 el, Magyarorsz\u00e1gon 2023 \u00e1prilisa \u00f3ta, magyar nyelv\u0171 fel\u00fclettel \u00e9s alkalmaz\u00e1ssal, illetve 2025 november\u00e9ben a magyarorsz\u00e1gi Lightyear esem\u00e9nyen, ahol r\u00e9szt vettem, bejelentett\u00e9k, hogy a Budapesti \u00c9rt\u00e9kt\u0151zsdei pap\u00edrjaival is lehet kereskedni, illetve egy ideje m\u00e1r van Tart\u00f3s Befektet\u00e9si Sz\u00e1ml\u00e1juk (TBSZ) is, ami jelent\u0151s ad\u00f3el\u0151ny\u00f6ket biztos\u00edt. Az \u00fcgyfelek sz\u00e1ma meghaladja a 300 ezret, az \u00e1ltaluk kezelt vagyon ~1 milli\u00e1rd USD k\u00f6r\u00fcl alakul. A kor\u00e1bbi Interactive Brokers elemz\u00e9semben \u00edrtam, hogy kezelt vagyon alapj\u00e1n a Lightyear egy pici, de felt\u00f6rekv\u0151, \u00e9s gyorsan n\u00f6vekv\u0151 szerepl\u0151, aki diszkont br\u00f3ker szerepet t\u00f6lt be.<\/p>\n\n\n\n<!-- TradingView Widget BEGIN -->\n<div class=\"tradingview-widget-container\">\n  <div class=\"tradingview-widget-container__widget\"><\/div>\n  <div class=\"tradingview-widget-copyright\"><a href=\"https:\/\/www.tradingview.com\/?aff_id=155122\" rel=\"noopener nofollow\" target=\"_blank\"><span class=\"blue-text\">A Lightyearbe fektet\u0151, magyar STRT Holding Nyrt. r\u00e9szv\u00e9ny\u00e1rfolyama<\/span><\/a><\/div>\n  <script type=\"text\/javascript\" src=\"https:\/\/s3.tradingview.com\/external-embedding\/embed-widget-symbol-overview.js\" async>\n  {\n  \"lineWidth\": 2,\n  \"lineType\": 0,\n  \"chartType\": \"area\",\n  \"fontColor\": \"rgb(106, 109, 120)\",\n  \"gridLineColor\": \"rgba(46, 46, 46, 0.06)\",\n  \"volumeUpColor\": \"rgba(34, 171, 148, 0.5)\",\n  \"volumeDownColor\": \"rgba(247, 82, 95, 0.5)\",\n  \"backgroundColor\": \"#ffffff\",\n  \"widgetFontColor\": \"#0F0F0F\",\n  \"upColor\": \"#22ab94\",\n  \"downColor\": \"#f7525f\",\n  \"borderUpColor\": \"#22ab94\",\n  \"borderDownColor\": \"#f7525f\",\n  \"wickUpColor\": \"#22ab94\",\n  \"wickDownColor\": \"#f7525f\",\n  \"colorTheme\": \"light\",\n  \"isTransparent\": false,\n  \"locale\": \"en\",\n  \"chartOnly\": false,\n  \"scalePosition\": \"right\",\n  \"scaleMode\": \"Normal\",\n  \"fontFamily\": \"-apple-system, BlinkMacSystemFont, Trebuchet MS, Roboto, Ubuntu, sans-serif\",\n  \"valuesTracking\": \"1\",\n  \"changeMode\": \"price-and-percent\",\n  \"symbols\": [\n    [\n      \"BET:STRT|60M\"\n    ]\n  ],\n  \"dateRanges\": [\n    \"1d|1\",\n    \"1m|30\",\n    \"3m|60\",\n    \"12m|1D\",\n    \"60m|1W\",\n    \"all|1M\"\n  ],\n  \"fontSize\": \"10\",\n  \"headerFontSize\": \"medium\",\n  \"autosize\": true,\n  \"width\": \"100%\",\n  \"height\": \"400\",\n  \"noTimeScale\": false,\n  \"hideDateRanges\": false,\n  \"hideMarketStatus\": false,\n  \"hideSymbolLogo\": false\n}\n  <\/script>\n<\/div>\n<!-- TradingView Widget END -->\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<details id=\"io-tldr\">\n  <summary id=\"io-summary\" style=\"list-style:none; display:flex; align-items:center; gap:14px; padding:16px 20px; cursor:pointer; background:#C5DCF0; border-radius:10px; transition:border-radius 0.2s;\">\n    <span class=\"io-badge\">TL;DR<\/span>\n    <span class=\"io-title-block\">\n      <span class=\"io-title\">\u00d6sszefoglal\u00f3 \u2013 a legfontosabb tudnival\u00f3k 3 perc alatt<\/span>\n      <span class=\"io-sub\"><strong>Nem akarod v\u00e9gigolvasni az eg\u00e9sz elemz\u00e9st? Kattints ide a r\u00f6vid \u00f6sszefoglal\u00f3\u00e9rt.<\/strong><\/span>\n    <\/span>\n    <svg id=\"io-arrow\" class=\"io-arrow\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><path d=\"M5 8l5 5 5-5\" stroke=\"#2C4A7C\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>\n  <\/summary>\n  <div class=\"io-body\">\n    <ul class=\"io-list\">\n      <li><span class=\"io-label\">Mi ez a c\u00e9g?<\/span><span>A Lightyear egy 2020-ban alap\u00edtott \u00e9szt fintech startup, amelyet a Wise k\u00e9t kor\u00e1bbi munkat\u00e1rsa hozott l\u00e9tre. 25 eur\u00f3pai orsz\u00e1gban \u00e9rhet\u0151 el, Magyarorsz\u00e1gon 2023 \u00e1prilisa \u00f3ta, magyar nyelv\u0171 fel\u00fclettel. Kezelt vagyona ~1 milli\u00e1rd USD, befektet\u0151i k\u00f6z\u00f6tt van Richard Branson, Taavet Hinrikus \u00e9s 2025-t\u0151l Balogh Petya STRT Holdingja is.<\/span><\/li>\n      <li><span class=\"io-label\">Mire val\u00f3?<\/span><span>Els\u0151sorban passz\u00edv, hossz\u00fa t\u00e1v\u00fa befektet\u0151knek: ETF-v\u00e1s\u00e1rl\u00e1sra (teljesen ingyenes), TBSZ sz\u00e1mlakezel\u00e9sre (szint\u00e9n ingyenes), egyedi r\u00e9szv\u00e9nyek v\u00e1s\u00e1rl\u00e1s\u00e1ra \u00e9s kamatoz\u00f3 sz\u00e9fek r\u00e9v\u00e9n p\u00e9nzpiaci alapokba t\u00f6rt\u00e9n\u0151 k\u00e9szp\u00e9nzparkoltat\u00e1sra. A Befektet\u00e9si mixek funkci\u00f3val automatiz\u00e1lt, rendszeres befektet\u00e9s is be\u00e1ll\u00edthat\u00f3.<\/span><\/li>\n      <li><span class=\"io-label\">D\u00edjak<\/span><span>ETF-keresked\u00e9s d\u00edjmentes. US r\u00e9szv\u00e9ny: 0.1% (max. 1 USD\/tranzakci\u00f3), EU r\u00e9szv\u00e9ny: 1 EUR\/tranzakci\u00f3, UK r\u00e9szv\u00e9ny: 1 GBP\/tranzakci\u00f3. Devizav\u00e1lt\u00e1s: 0.35%. Nincs sz\u00e1mlavezet\u00e9si d\u00edj, nincs inaktivit\u00e1si d\u00edj, TBSZ nyit\u00e1sa \u00e9s fenntart\u00e1sa ingyenes.<\/span><\/li>\n      <li><span class=\"io-label\">Biztons\u00e1g<\/span><span>Az EFSA (\u00e9szt p\u00e9nz\u00fcgyi fel\u00fcgyelet) enged\u00e9ly\u00e9vel rendelkezik, EU-s keretrendszerben. Az eur\u00f3pai eszk\u00f6z\u00f6kre 20 000 EUR, az amerikai \u00e9rt\u00e9kpap\u00edrokra 500 000 USD biztos\u00edt\u00e1s \u00e9rv\u00e9nyes. Az \u00fcgyf\u00e9lp\u00e9nzeket partner bankokn\u00e1l tartja elk\u00fcl\u00f6n\u00edtve (LHV Bank, CFSB, Wise).<\/span><\/li>\n      <li><span class=\"io-label risk\">Kock\u00e1zatok<\/span><span>Startup c\u00e9g, nincs banki h\u00e1tt\u00e9r, nincs t\u0151zsdei bevezet\u00e9s, a j\u00f6v\u0151beli d\u00edjpolitika v\u00e1ltozhat. \u00c9sztorsz\u00e1g geopolitikai kitetts\u00e9ge (orosz hat\u00e1r, ~25% oroszajk\u00fa kisebbs\u00e9g) eleny\u00e9sz\u0151, de val\u00f3s kock\u00e1zat.<\/span><\/li>\n      <li><span class=\"io-label\">Kinek aj\u00e1nlott?<\/span><span>Ide\u00e1lis els\u0151 br\u00f3kersz\u00e1mlak\u00e9nt vagy kieg\u00e9sz\u00edt\u0151 br\u00f3kerk\u00e9nt ETF-alap\u00fa passz\u00edv befektet\u00e9shez, r\u00e9szv\u00e9nyek v\u00e1s\u00e1rl\u00e1s\u00e1hoz \u00e9s TBSZ-kezel\u00e9shez. Komolyabb portf\u00f3li\u00f3hoz, egzotikus piacokhoz, opci\u00f3khoz vagy fundament\u00e1lis elemz\u00e9si eszk\u00f6z\u00f6kh\u00f6z az Interactive Brokers sokkal jobb megold\u00e1s.<\/span><\/li>\n    <\/ul>\n  <\/div>\n<\/details>\n\n<style>\n#io-tldr summary::-webkit-details-marker { display:none; }\n.io-badge { background:#2C4A7C; color:#fff; font-size:10px; font-weight:800; letter-spacing:0.12em; padding:4px 10px; border-radius:4px; flex-shrink:0; text-transform:uppercase; }\n.io-title-block { display:flex; flex-direction:column; gap:3px; }\n.io-title { font-weight:700; font-size:15px; color:#1a2e4a; }\n.io-sub { font-size:12px; color:#4a6480; font-weight:400; }\n.io-arrow { margin-left:auto; flex-shrink:0; transition:transform 0.25s; }\n#io-tldr[open] .io-arrow { transform:rotate(180deg); }\n.io-body { border:1.5px solid #C5DCF0; border-top:none; border-radius:0 0 10px 10px; background:#fff; border-left:4px solid #E8703A; overflow:hidden; }\n.io-list { margin:0; padding:20px 24px 20px 20px; list-style:none; display:flex; flex-direction:column; gap:0; }\n.io-list li { display:flex; gap:12px; align-items:flex-start; font-size:14px; color:#2D2D2D; line-height:1.75; padding:14px 0; border-top:1px solid #eef4fa; }\n.io-list li:first-child { border-top:none; padding-top:0; }\n.io-label { background:#2C4A7C; color:#fff; font-size:10px; font-weight:700; letter-spacing:0.05em; padding:3px 8px; border-radius:4px; flex-shrink:0; margin-top:2px; text-transform:uppercase; white-space:nowrap; min-width:110px; text-align:center; }\n.io-label.risk { background:#E8703A; color:#fff; }\n<\/style>\n\n<script>\n(function(){\n  var det = document.getElementById('io-tldr');\n  var summ = document.getElementById('io-summary');\n  det.addEventListener('toggle', function(){\n    summ.style.borderRadius = det.open ? '10px 10px 0 0' : '10px';\n  });\n})();\n<\/script>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcd2Tartalomjegyz\u00e9k\ud83d\udcd2<\/h2>\n\n\n\n<p>L\u00e9trehoztam egy tartalomjegyz\u00e9ket, hogy k\u00f6nnyebben tudjatok navig\u00e1lni a hosszabb tartalmakban:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb0<a href=\"#koltsegei\">A Lightyear k\u00f6lts\u00e9gei<\/a><\/li>\n\n\n\n<li>\ud83c\udfa2<a href=\"#feluletei\">A Lightyear fel\u00fcletei<\/a><\/li>\n\n\n\n<li>\ud83d\udcb5<a href=\"#instrumentumok\">A Lightyear el\u00e9rhet\u0151 p\u00e9nz\u00fcgyi instrumentumok<\/a><\/li>\n\n\n\n<li>\ud83e\udd35<a href=\"#strategiara\">Milyen strat\u00e9gi\u00e1ra a legjobb a Lightyear<\/a><\/li>\n\n\n\n<li>\ud83c\udd9a<a href=\"#ellenfelei\">Konkurensek: a Lightyear ellenfelei<\/a><\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83c\udded\ud83c\uddfa<a href=\"#befektetoknek\">Szekci\u00f3 magyar befektet\u0151knek<\/a><\/li>\n\n\n\n<li>\u2705<a href=\"#elonyei\">A Lightyear el\u0151nyei<\/a><\/li>\n\n\n\n<li>\u274c<a href=\"#hatranyai\">A Lightyear h\u00e1tr\u00e1nyai<\/a><\/li>\n\n\n\n<li>\ud83d\udcdd<a href=\"#osszegzese\">A Lightyear \u00f6sszegz\u00e9se<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"specialitasai\">\ud83d\ude4b\u200d\u2642\ufe0fA Lightyear br\u00f3ker alapadatai\ud83d\ude4b\u200d\u2642\ufe0f<\/h2>\n\n\n\n<p><em><em>Ebben a szekci\u00f3ban azt vizsg\u00e1lom, hogy az elemzett p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3nak vagy br\u00f3kernek milyen specialit\u00e1sai vannak, mi a helyzete a piacon, hogyan tekint saj\u00e1t mag\u00e1ra, tradicion\u00e1lis banki h\u00e1tter\u0171 int\u00e9zm\u00e9nyr\u0151l van-e sz\u00f3, diszkontbr\u00f3ker, on-line br\u00f3ker, esetleg ezek kever\u00e9k-e. Mennyire v\u00e9di a befektet\u0151it, mire sz\u00e1m\u00edthattok egy esetleges \u00f6sszeoml\u00e1s sor\u00e1n?<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear sz\u00e1ml\u00e1m megnyit\u00e1sa el\u0151tt el\u00e9gg\u00e9 ut\u00e1naj\u00e1rtam a c\u00e9gnek, hogy mennyire megb\u00edzhat\u00f3, illetve elmentem a 2025 novemberi rendezv\u00e9ny\u00fckre is, hogy halljam mit mond a CEO, Martin Sokk. V\u00e9g\u00fcl 2026 elej\u00e9n nyitottam egy f\u0151 sz\u00e1ml\u00e1t \u00e9s egy TBSZ sz\u00e1ml\u00e1t, ami magyar ad\u00f3rezidenseknek l\u00e9nyeg\u00e9ben ad\u00f3mentes hozamot biztos\u00edt. Ez a harmadik szolg\u00e1ltat\u00f3m, az Erste Invest \u00e9s az Interactive Brokers sz\u00e1ml\u00e1im ut\u00e1n, ez ut\u00f3bbir\u00f3l itt olvashattok b\u0151vebben: <a href=\"https:\/\/iocharts.io\/blog\/interactive-brokers-broker-szamla-elemzes-profiknak-profi\/\">Interactive Brokers (IBKR) sz\u00e1mla: d\u00edjak \u00e9s funkci\u00f3k<\/a><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">\ud83e\udd14<strong> A Lightyear az els\u0151 br\u00f3kerem, amit t\u00f6bbet haszn\u00e1ltam a mobiltelefonomon mint b\u00f6ng\u00e9sz\u0151n kereszt\u00fcl.<\/strong> A fel\u00fclet j\u00f3 \u00e9rtelmben vett egyszer\u0171s\u00e9ge r\u00f6gt\u00f6n szembe\u00f6tl\u0151, az Interactive Brokers mellett szinte \u00fcd\u00edt\u0151 v\u00e1ltoz\u00e1st jelent, annak ellen\u00e9re, hogy funkci\u00f3kban b\u0151ven elmarad t\u0151le. Az al\u00e1bbiakban igyekszem minden fontosra kit\u00e9rni, k\u00fcl\u00f6n\u00f6s tekintettel arra, ami els\u0151re nem nyilv\u00e1nval\u00f3, de befektet\u0151k\u00e9nt m\u00e9gis d\u00f6nt\u0151 lehet.\ud83e\udd14<\/mark><\/pre>\n\n\n\n<p>A Lightyear egy kiz\u00e1r\u00f3lag online fintech br\u00f3ker, \u00c9sztorsz\u00e1gban bejegyezve, de eur\u00f3pai szinten szab\u00e1lyozva, a CEO elmond\u00e1sa szerint a p\u00e9nz nagy r\u00e9sze Londonban van. Nincs banki h\u00e1ttere, nincs \u00e9vtizedes m\u00faltja \u00e9s t\u0151zsd\u00e9n sem szerepel, \u00e9s ezek mind olyan t\u00e9nyez\u0151k, amelyek cs\u00f6kkentik a megb\u00edzhat\u00f3s\u00e1got egy komolyabb int\u00e9zm\u00e9nnyel szemben. <strong>Cser\u00e9be viszont rendk\u00edv\u00fcl olcs\u00f3, modern \u00e9s k\u00f6nnyen kezelhet\u0151, a fel\u00fclete letisztult, emiatt kezd\u0151knek vagy kieg\u00e9sz\u00edt\u0151 br\u00f3ker szolg\u00e1ltat\u00f3nak a Lightyear ide\u00e1lis.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"475\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-002-1024x475.png.webp\" alt=\" Lightyear, asztali kliens, f\u0151 sz\u00e1mla\" class=\"wp-image-10077 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/475;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-002-1024x475.png.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-002-414x192.png.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-002-768x356.png.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-002-1536x713.png.webp 1536w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-002-2048x950.png.webp 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><figcaption class=\"wp-element-caption\">forr\u00e1s: Lightyear, asztali kliens, f\u0151 sz\u00e1mla<\/figcaption><\/figure>\n\n\n\n<p>Az online diszkontbr\u00f3kerek rangsor\u00e1ban kezelt vagyon alapj\u00e1n (2025\u20132026) a Lightyear h\u00e1tul helyezkedik el, a list\u00e1t az Interactive Brokers elemz\u00e9semb\u0151l emeltem \u00e1t:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\ud83d\udcbc Interactive Brokers:<\/strong> ~757 milli\u00e1rd USD, 3,8 milli\u00f3 \u00fcgyf\u00e9lsz\u00e1mla<\/li>\n\n\n\n<li><strong>\ud83d\udcc8 Robinhood:<\/strong> ~255 milli\u00e1rd USD, 25,8 milli\u00f3 \u00fcgyf\u00e9lsz\u00e1mla<\/li>\n\n\n\n<li><strong>\ud83d\udcb0 Trading 212:<\/strong> ~30\u201335 milli\u00e1rd USD, 4,5 milli\u00f3 \u00fcgyf\u00e9lsz\u00e1mla<\/li>\n\n\n\n<li><strong>\ud83c\udf0d eToro:<\/strong> ~17,5 milli\u00e1rd USD, 3,6 milli\u00f3 \u00fcgyf\u00e9lsz\u00e1mla<\/li>\n\n\n\n<li><strong>\ud83d\udcb3 Revolut:<\/strong> ~8,5 milli\u00e1rd USD<\/li>\n\n\n\n<li><strong>\ud83d\udcca XTB:<\/strong> ~7 milli\u00e1rd USD, 1,54 milli\u00f3 \u00fcgyf\u00e9lsz\u00e1mla<\/li>\n\n\n\n<li><strong>\ud83d\ude80 Lightyear:<\/strong> ~1 milli\u00e1rd USD<\/li>\n<\/ol>\n\n\n\n<p>Teh\u00e1t a Lightyear a paletta v\u00e9g\u00e9n van, ez egyel\u0151re nem meglep\u0151 egy 2020-ban alap\u00edtott startupn\u00e1l. A k\u00e9rd\u00e9s az, hogy ez v\u00e1ltozni fog-e, \u00e9s ha igen, hogyan hat ez a szolg\u00e1ltat\u00e1s min\u0151s\u00e9g\u00e9re \u00e9s \u00e1r\u00e1ra.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udee1\ufe0f Befektet\u0151v\u00e9delem \u00e9s szab\u00e1lyoz\u00e1s<\/h3>\n\n\n\n<p>A Lightyear az EFSA (Estonian Financial Supervision Authority), azaz az \u00c9szt P\u00e9nz\u00fcgyi Fel\u00fcgyelet enged\u00e9ly\u00e9vel rendelkezik, amely egy uni\u00f3s szint\u0171, megb\u00edzhat\u00f3 fel\u00fcgyeleti szerv. Ez a gyakorlatban azt jelenti, hogy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud83c\uddea\ud83c\uddfa Az eur\u00f3pai eszk\u00f6z\u00f6kre (r\u00e9szv\u00e9nyek, ETF-ek) az \u00c9szt Befektet\u0151v\u00e9delmi Alap 20 000 EUR \u00f6sszeghat\u00e1rig ny\u00fajt v\u00e9delmet<\/strong> a br\u00f3ker fizet\u00e9sk\u00e9ptelens\u00e9ge eset\u00e9n. Ez jellemz\u0151en k\u00e9szp\u00e9nzre vonatkozik, mivel a t\u00f6bbi hivatalosan a neveteken van.<\/li>\n\n\n\n<li><strong>\ud83c\uddfa\ud83c\uddf8 Az amerikai \u00e9rt\u00e9kpap\u00edrok az Alpaca nev\u0171 partneren kereszt\u00fcl 500 000 USD \u00f6sszeghat\u00e1rig SIPC-v\u00e9delem alatt \u00e1llnak.<\/strong><\/li>\n\n\n\n<li>A be nem fektetett p\u00e9nzeszk\u00f6z\u00f6ket a Lightyear elk\u00fcl\u00f6n\u00edtve kezeli a saj\u00e1t eszk\u00f6zeit\u0151l, megb\u00edzhat\u00f3 eur\u00f3pai bankokban \u00e9s min\u0151s\u00edtett p\u00e9nzpiaci alapokban tartja (pl. ABN AMRO, BlackRock).<\/li>\n\n\n\n<li>a megv\u00e1s\u00e1rolt r\u00e9szv\u00e9nyek \u00e9s ETF-ek az \u00fcgyf\u00e9l nev\u00e9n vannak nyilv\u00e1ntartva, \u00e9s a c\u00e9g esetleges cs\u0151dje eset\u00e9n ezeket egy m\u00e1sik szolg\u00e1ltat\u00f3hoz elm\u00e9letben \u00e1t lehet vezetni (ellent\u00e9tben az Interactive Brokers-szel, ahogy gy\u0171jt\u0151sz\u00e1ml\u00e1k alatt mutatj\u00e1k ki az \u00fcgyf\u00e9lvagyont, ez\u00e9rt is \u00e9rdemes minden h\u00f3napban lementeni ennek a kivonat\u00e1t).<\/li>\n<\/ul>\n\n\n\n<pre class=\"wp-block-preformatted\">\u2757<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-red-color\">Fontos: a befektet\u0151v\u00e9delmi rendszerek kiz\u00e1r\u00f3lag a br\u00f3ker rosszhiszem\u0171s\u00e9ge vagy fizet\u00e9sk\u00e9ptelens\u00e9ge eset\u00e9n ny\u00fajtanak v\u00e9delmet. Az \u00e1ltalatok elszenvedett \u00e1rfolyamvesztes\u00e9gre nem vonatkozik semmif\u00e9le biztos\u00edt\u00e1s, az\u00e9rt kiz\u00e1r\u00f3lag ti vagytok a felel\u0151sek.<\/mark><\/strong>\u2757<\/pre>\n\n\n\n<p>Hogyan lehet kider\u00edteni, hogy hol van a Lightyear p\u00e9nze, ha \u0151k nem min\u0151s\u00fclnek banknak? \u00dagy, hogy megn\u00e9zitek, hogy a beutal\u00e1skor melyik p\u00e9nzint\u00e9zethez vezetik \u00e1t az \u00f6sszegeket, az lesz a sz\u00e1mlavezet\u0151 p\u00e9nzint\u00e9zet. Ezt kipr\u00f3b\u00e1ltam, hogy nektek ne kelljen &#8211; de ti is meg tudj\u00e1tok n\u00e9zni, ha kik\u00e9ritek a deposit adatokat -, az eredm\u00e9ny az al\u00e1bbi lett:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb6<strong>EUR: <\/strong>AS LVH Pank, Tartu mnt 2, Tallin, Harjumaa, 10145 EE) &#8211; <strong>\u00c9sztorsz\u00e1g<\/strong><\/li>\n\n\n\n<li><strong>\ud83c\udded\ud83c\uddfaHUF:<\/strong> Lightyear Europe AS, Client Account (Volta 1, 10412 Tallinn, Estonia) &#8211; <strong>\u00c9sztorsz\u00e1g<\/strong><\/li>\n\n\n\n<li>\ud83d\udcb5<strong>USD:<\/strong>  Lightyear Europe AS, Client Account (Volta 1, 10412 Tallinn, Estonia), Community Federal Savings Bank (CFSB) &#8211; <strong>USA, FDIC-biztos\u00edtott bank<\/strong><\/li>\n\n\n\n<li>\ud83d\udcb7<strong>GBP:<\/strong> Lightyear Europe AS, Client Account (Volta 1, 10412 Tallinn, Estonia), Wise Payment Limited &#8211; <strong>UK, FCA enged\u00e9lyes p\u00e9nzint\u00e9zet<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Teh\u00e1t t\u00e9nyleg nem a Lightyear \u00e9s t\u00e9nyleg elk\u00fcl\u00f6n\u00edtve kezeli az \u00fcgyfelek p\u00e9nz\u00e9t. M\u00e1shogy nem is tehet, mert ha a Lightyear cs\u0151d\u00f6t jelent, a hitelez\u0151i nem ny\u00falhatnak ezekhez a p\u00e9nzekhez, mert azok jogilag \u00fcgyf\u00e9lvagyonnak min\u0151s\u00fclnek. \u00c9rdekess\u00e9g viszont, hogy sv\u00e1jci frankban nem tudtam p\u00e9nzt befizetni, b\u00e1r az opci\u00f3 ott van, a fel\u00fclet egyel\u0151re tiltja.<\/p>\n\n\n\n<p>Az Interactive Brokers-hez k\u00e9pest alacsonyabb a v\u00e9delmi \u00f6sszeghat\u00e1r (20 000 EUR vs. az \u00edr ICC szint\u00e9n 20 000 EUR, de az IB m\u00f6g\u00f6tt az S&amp;P 500-as t\u0151zsdei bevezet\u00e9s \u00e9s a 10 milli\u00e1rd USD-s saj\u00e1t t\u0151ke adja az igazi biztons\u00e1got). A Lightyear eset\u00e9ben a startupos jelleg \u00e9s az alacsonyabb int\u00e9zm\u00e9nyi h\u00e1tt\u00e9r val\u00f3s kock\u00e1zati t\u00e9nyez\u0151, amit nem szabad figyelmen k\u00edv\u00fcl hagyni.<\/p>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> diverzifik\u00e1lj. \u00c9rdemes a vagyonod egy r\u00e9sz\u00e9t a Lightyearn\u00e9l tartani, de ha komolyabb \u00f6sszegekr\u0151l van sz\u00f3, kieg\u00e9sz\u00edt\u0151k\u00e9nt tekintsetek r\u00e1, ne az egyetlen br\u00f3kerk\u00e9nt, \u00e9n pontosan ezt csin\u00e1lom. Az Interactive Brokers, ahol az int\u00e9zm\u00e9nyi h\u00e1tt\u00e9r sokkal er\u0151teljesebb, jobban alkalmas arra, hogy a vagyon gerinc\u00e9t tarts\u00e1tok, viszont m\u00e1sodlagos br\u00f3kernek a Lightyear egy t\u00f6k\u00e9letes v\u00e1laszt\u00e1s, sz\u00f3val mindenkinek nyitnia kell itt is egy sz\u00e1ml\u00e1t k\u00f6telez\u0151 jelleggel, lejjebb l\u00e1tni fogj\u00e1tok, mi\u00e9rt.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"koltsegei\">\ud83d\udcb0A Lightyear br\u00f3ker k\u00f6lts\u00e9gei\ud83d\udcb0<\/h2>\n\n\n\n<p><em><em>Ebben a szekci\u00f3ban azt vizsg\u00e1ljuk,&nbsp;hogy mekkora k\u00f6lts\u00e9ggel j\u00e1r a <em><em>p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3 vagy <\/em><\/em>br\u00f3ker szolg\u00e1ltat\u00e1sainak haszn\u00e1lata, illetve, hogy milyen t\u00edpus\u00fa m\u0171veletek mennyire terhelik meg a p\u00e9nzt\u00e1rc\u00e1tokat. Kinek \u00e9rdemes ink\u00e1bb sz\u00e1ml\u00e1t nyitnia: r\u00f6vid- vagy hosszabbt\u00e1von gondolkod\u00f3 befektet\u0151knek?<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear d\u00edjstrukt\u00far\u00e1ja az egyik legtiszt\u00e1bb a piacon, r\u00e1ad\u00e1sul kifejezetten olcs\u00f3, ami az egyik legnagyobb vonzer\u0151 volt sz\u00e1momra a sz\u00e1mlanyit\u00e1skor. A f\u0151 szab\u00e1ly egyszer\u0171: <strong>ETF-ek v\u00e1s\u00e1rl\u00e1sa teljesen ingyenes (viszont \u00e9rtelemszer\u0171en <strong>van <\/strong>tart\u00e1si d\u00edj), r\u00e9szv\u00e9nyekn\u00e9l minim\u00e1lis fix v\u00e9teli\/elad\u00e1si d\u00edj van, devizav\u00e1lt\u00e1s\u00e9rt 0,35%-ot k\u00e9rnek.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Ami\u00e9rt a Lightyear nem sz\u00e1mol fel d\u00edjat:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 ETF-ek v\u00e1s\u00e1rl\u00e1sa \u00e9s elad\u00e1sa: <strong>d\u00edjmentes<\/strong><\/li>\n\n\n\n<li>\u2705 Sz\u00e1mla nyit\u00e1sa \u00e9s fenntart\u00e1sa: <strong>d\u00edjmentes<\/strong><\/li>\n\n\n\n<li>\u2705 P\u00e9nz beutal\u00e1sa banki \u00e1tutal\u00e1ssal: <strong>d\u00edjmentes<\/strong><\/li>\n\n\n\n<li>\u2705 P\u00e9nz kiutal\u00e1sa banksz\u00e1ml\u00e1ra: <strong>d\u00edjmentes<\/strong><\/li>\n\n\n\n<li>\u2705 T\u00f6bb devizasz\u00e1mla nyit\u00e1sa \u00e9s kezel\u00e9se: <strong>d\u00edjmentes<\/strong> (HUF, EUR, USD, GBP)<\/li>\n\n\n\n<li>\u2705 \u00c9rt\u00e9kpap\u00edr-let\u00e9t: <strong>d\u00edjmentes<\/strong><\/li>\n\n\n\n<li>\u2705 TBSZ sz\u00e1mla nyit\u00e1sa \u00e9s fenntart\u00e1sa (magyar ad\u00f3rezidenseknek): <strong>d\u00edjmentes<\/strong><\/li>\n\n\n\n<li>\u2705 Nincs inaktivit\u00e1si d\u00edj<\/li>\n\n\n\n<li>\u2705 Nincs \u00e1llom\u00e1nyi d\u00edj<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udcccGyakorlatban:<\/strong> tapasztalataim szerint a k\u00e9t legnagyobb leh\u00faz\u00e1s az \u00e1llom\u00e1nyd\u00edj \u00e9s a TBSZ sz\u00e1mla d\u00edja. Az els\u0151t a hazai bankok el\u0151szeretettel alkalmazz\u00e1k, ismerek olyan befektet\u0151t, aki \u00e9vi k\u00f6zel 800 USD-t! fizet ki \u00e1llom\u00e1nyd\u00edjk\u00e9nt az egyik bankj\u00e1n\u00e1l \u00e9s van neki n\u00e9h\u00e1ny. A TBSZ sz\u00e1mlavezet\u00e9si d\u00edjjal pedig az a baj, hogy ezt sz\u00e1ml\u00e1nk\u00e9nt sz\u00e1molj\u00e1k fel, vagyis ha neked van 5 darabod, akkor az \u00f6tsz\u00f6rannyi d\u00edjnak sz\u00e1m\u00edt. <strong>Ezekt\u0151l teljesen mentes a Lightyear, ami az egyik legnagyobb el\u0151ny\u00fck.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcb8 Ami\u00e9rt a Lightyear d\u00edjat sz\u00e1mol fel:<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>M\u0171velet<\/th><th>D\u00edj<\/th><\/tr><\/thead><tbody><tr><td>US r\u00e9szv\u00e9ny (pl. Apple, Tesla)<\/td><td>0.1% max.; 1 USD\/r\u00e9szv\u00e9ny tranzakci\u00f3<\/td><\/tr><tr><td>EU r\u00e9szv\u00e9ny (pl. SAP, L&#8217;Or\u00e9al)<\/td><td>1 EUR\/r\u00e9szv\u00e9ny tranzakci\u00f3<\/td><\/tr><tr><td>UK r\u00e9szv\u00e9ny (pl. BP, Shell)<\/td><td>1 GBP\/r\u00e9szv\u00e9ny tranzakci\u00f3<\/td><\/tr><tr><td>Devizav\u00e1lt\u00e1s<\/td><td>0.35% (val\u00f3s k\u00f6z\u00e9p\u00e1rfolyamon)<\/td><\/tr><tr><td>Bankk\u00e1rty\u00e1s befizet\u00e9s<\/td><td>0.6% (els\u0151 500 EUR ingyenes)<\/td><\/tr><tr><td>Sz\u00e9f (p\u00e9nzpiaci alap) kezel\u00e9si d\u00edj<\/td><td>0.09\u20130.30% \u00e9ves szinten<\/td><\/tr><tr><td>Havi kamat kifizet\u00e9s levon\u00e1sa<\/td><td>0.75%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>A magyarorsz\u00e1gi \u00fcgyfelek az al\u00e1bbi linken tudj\u00e1k lefele g\u00f6rgetve az oldalt a mindenkori d\u00edjstrukt\u00far\u00e1t ellen\u0151rizni: <a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00edjstrukt\u00fara<\/a>.<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>\ud83d\udcb0 Az ETF-befektet\u0151 szempontj\u00e1b\u00f3l a Lightyear szinte teljesen ingyenes. Ha csak ETF-eket v\u00e1s\u00e1rolsz, banksz\u00e1ml\u00e1n utalsz \u00e9s nem v\u00e1ltasz deviz\u00e1t a Lightyear fel\u00fclet\u00e9n, az \u00e9ves k\u00f6lts\u00e9ged k\u00f6zel nulla lesz, csak az ETF tart\u00e1si d\u00edj\u00e1val kell sz\u00e1molnod, ami eleny\u00e9sz\u0151 \u00f6sszeg (0.1-0.2%).<\/strong><\/mark><\/pre>\n\n\n\n<p><strong>\ud83e\udde0Pro tipp:<\/strong> szerintem a k\u00e1rty\u00e1s felt\u00f6lt\u00e9st, vagyis a top-upot, nem \u00e9rdemes haszn\u00e1lnotok a 0.6%-os d\u00edj miatt, helyette, ha van olyan szolg\u00e1ltat\u00f3tok, ahol az utal\u00e1s ingyenes, \u00e9s van ingyenes devizav\u00e1lt\u00e1si keret, akkor ezt haszn\u00e1lj\u00e1tok. A Revolut ilyen, kb. havi 1000 USD-t le lehet v\u00e1ltani ingyen a sztenderd csomaggal \u00e9s innen beutalni is olcs\u00f3bb az \u00f6sszegeket a Lightyear sz\u00e1ml\u00e1ra. Viszont kipr\u00f3b\u00e1ltam Wise-r\u00f3l is az utal\u00e1st, \u00e9s ennek egy \u00f3ri\u00e1si el\u0151nye, hogy nagyj\u00e1b\u00f3l 10 m\u00e1sodperc alatt meg\u00e9rkezik a f\u0151 sz\u00e1ml\u00e1tokra a p\u00e9nz. A Wise k\u00e1rty\u00e1r\u00f3l itt \u00edrtam: <a href=\"https:\/\/iocharts.io\/blog\/wise-minden-amit-tudnod-kell-rola\/\">Wise: d\u00edjak, sz\u00e1mla, k\u00e1rtya \u00e9s Revolut \u00f6sszehasonl\u00edt\u00e1s<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcb5 Kamatok a be nem fektetett p\u00e9nzre<\/h3>\n\n\n\n<p>A Lightyear egyik k\u00fcl\u00f6nlegess\u00e9ge, hogy a be nem fektetett egyenlegen is fizet kamatot, ami 2026 m\u00e1rcius\u00e1ban az al\u00e1bbi volt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud83c\udded\ud83c\uddfaForint (norm\u00e1l sz\u00e1mla):<\/strong> \u00e9vi <strong>3,00%<\/strong><\/li>\n\n\n\n<li>\ud83d\udd10<strong>Sz\u00e9fekben (p\u00e9nzpiaci alapokon kereszt\u00fcl, BlackRock):<\/strong>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb6EUR: ~<strong>1,92%<\/strong> \/ \u00e9v<\/li>\n\n\n\n<li>\ud83d\udcb5USD: ~<strong>3,68%<\/strong> \/ \u00e9v<\/li>\n\n\n\n<li>\ud83d\udcb7GBP: ~<strong>3,75%<\/strong> \/ \u00e9v<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>\u261d\ufe0f<strong>Fontos megjegyz\u00e9s:<\/strong> <strong>TBSZ sz\u00e1ml\u00e1n a be nem fektetett p\u00e9nzre nem j\u00e1r kamat<\/strong>, mert a magyar jogszab\u00e1lyok ezt nem teszik lehet\u0151v\u00e9. A sz\u00e9fek m\u00f6g\u00f6tt a BlackRock, a vil\u00e1g legnagyobb alapkezel\u0151j\u00e9nek alacsony kock\u00e1zat\u00fa p\u00e9nzpiaci alapjai \u00e1llnak, amelyek b\u00e1rmikor felt\u00f6rhet\u0151k.<\/p>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> az EU r\u00e9szv\u00e9nyekn\u00e9l az 1 EUR\/r\u00e9szv\u00e9ny ad\u00e1s\/v\u00e9teli fix d\u00edj viszonylag magas tud lenni a kisebb \u00e9rt\u00e9k\u0171 tranzakci\u00f3kn\u00e1l. P\u00e9ld\u00e1ul, ha 1 darab 15 EUR-os r\u00e9szv\u00e9nyt veszel, a tranzakci\u00f3s d\u00edj r\u00f6gt\u00f6n ~6,7%-ra fog r\u00fagni. Ez\u00e9rt \u00e9rdemes ink\u00e1bb nagyobb poz\u00edci\u00f3kat felvenni. Viszont, ha az Interactive Brokers-hez hasonl\u00edtj\u00e1tok, ahol ennek d\u00edja 2 USD\/EUR, akkor ez a k\u00f6lts\u00e9g annak csak a fele, m\u00edg az Erste Invest ugyanez\u00e9rt a szolg\u00e1ltat\u00e1s\u00e9rt m\u00e1r 7 USD\/EUR-t! k\u00e9r el, ami szinte v\u00e9rl\u00e1z\u00edt\u00f3. <strong>L\u00e9nyeges, hogy ez a d\u00edj nem r\u00e9szv\u00e9nyenk\u00e9nt, hanem megb\u00edz\u00e1sonk\u00e9nt! \u00e9rtend\u0151<\/strong>, teh\u00e1t ha te 200 db 10 USD-s r\u00e9szv\u00e9nyt veszel, ami 2000 USD, akkor is csak 1 USD lesz a d\u00edja, nem pedig 200 USD.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"feluletei\">\ud83c\udfa2A Lightyear br\u00f3ker fel\u00fcletei\ud83c\udfa2<\/h2>\n\n\n\n<p><em><em>Ebben a szekci\u00f3ban azt vizsg\u00e1ltam, hogy&nbsp;milyen a <em><em>p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3<\/em><\/em><\/em><\/em> <em>vagy br\u00f3ker <em>fel\u00fclete. Hol \u00e9s milyen form\u00e1ban haszn\u00e1lhat\u00f3k az alkalmaz\u00e1saik, azok mennyire bonyolultak, esetleg idej\u00e9tm\u00faltak vagy modernek?. Biztos\u00edtanak-e valamilyen speci\u00e1lis szolg\u00e1ltat\u00e1st a konkurensekkel szemben, ami\u00e9rt m\u00e1shol k\u00fcl\u00f6n fizetni kell?<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear szerintem egyik legjobb r\u00e9sze a kezel\u0151fel\u00fclet. Egyszer\u0171 mint a sz\u00f6g, nagyon \u00e1tl\u00e1that\u00f3, nem kell hozz\u00e1 \u0171rhaj\u00f3 vizsga mint az Interactive Brokers-hez, nagyon kezd\u0151bar\u00e1t. Az emberek 95%-\u00e1nak szerintem el\u00e9g amit tud, viszont a tapasztaltabb, 5+ \u00e9vvel rendelkez\u0151k sz\u00e1m\u00e1ra egy kicsit keveset tud. Mivel az ut\u00f3bbi kateg\u00f3ri\u00e1ba tartozom, ez\u00e9rt emiatt \u00e9n nem v\u00e1lasztan\u00e1m f\u0151 sz\u00e1ml\u00e1nak, de kieg\u00e9sz\u00edt\u0151nek vagy az eg\u00e9sz t\u00e9m\u00e1val ismerked\u0151knek ez a t\u00f6k\u00e9letes v\u00e1laszt\u00e1s.<\/p>\n\n\n\n<div class=\"wp-block-jetpack-tiled-gallery aligncenter is-style-rectangular\"><div class=\"\"><div class=\"tiled-gallery__gallery\"><div class=\"tiled-gallery__row\"><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-012-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10057\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10057\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-012-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-012-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-018-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10058\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10058\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-018-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-018-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-017-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10060\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10060\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-017-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-017-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-001-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10059\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10059\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-001-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-001-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><\/div><div class=\"tiled-gallery__row\"><div class=\"tiled-gallery__col\" style=\"flex-basis:33.33333%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-014-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10061\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10061\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-014-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-014-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:33.33333%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-016-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10062\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10062\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-016-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-016-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:33.33333%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-013-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10063\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10063\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-013-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-013-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><\/div><div class=\"tiled-gallery__row\"><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-015-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10064\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10064\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-015-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-015-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-002-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10065\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10065\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-002-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-002-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-011-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10054\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10054\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-011-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-011-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:25.00000%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-004-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10056\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10056\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-004-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-004-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><\/div><div class=\"tiled-gallery__row\"><div class=\"tiled-gallery__col\" style=\"flex-basis:33.33333%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-005-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10055\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10055\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-005-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-005-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:33.33333%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-010-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10052\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10052\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-010-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-010-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><div class=\"tiled-gallery__col\" style=\"flex-basis:33.33333%\"><figure class=\"tiled-gallery__item\"><img decoding=\"async\" data-srcset=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-003-461x1024.jpg?strip=info&#038;w=499&#038;ssl=1 499w\" alt=\"\" data-height=\"1110\" data-id=\"10053\" data-link=\"https:\/\/iocharts.io\/blog\/?attachment_id=10053\" data-url=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-003-461x1024.jpg\" data-width=\"499\" data-src=\"https:\/\/i0.wp.com\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-broker-elemzes-iocharts-003-461x1024.jpg?ssl=1\" data-amp-layout=\"responsive\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" style=\"--smush-placeholder-width: 461px; --smush-placeholder-aspect-ratio: 461\/1024;\" \/><\/figure><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<p>A Lightyear k\u00e9t fel\u00fcleten \u00e9rhet\u0151 el:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcf1 <strong>Mobilalkalmaz\u00e1s<\/strong> (iOS \u00e9s Android)<\/li>\n\n\n\n<li>\ud83c\udf10 <strong>Webb\u00f6ng\u00e9sz\u0151<\/strong> (teljes k\u00f6r\u0171en m\u0171k\u00f6dik, TBSZ is kezelhet\u0151)<\/li>\n<\/ul>\n\n\n\n<p>A k\u00e9t fel\u00fclet l\u00e9nyeg\u00e9ben megegyezik, ez\u00e9rt is haszn\u00e1ltam sokat a mobilos appot, mert nincs \u00e9rdemi k\u00fcl\u00f6nbs\u00e9g a kett\u0151 k\u00f6z\u00f6tt, \u00e9s a pop-up \u00fczenetek telefonon sokkal jobban m\u0171k\u00f6dnek. Igazi Z-gener\u00e1ci\u00f3s, modern fel\u00fclet az, amit a Lightyear ad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcf1 A Lightyear mobilalkalmaz\u00e1sa<\/h3>\n\n\n\n<p>Az alkalmaz\u00e1s az egyszer\u0171s\u00e9g mintap\u00e9ld\u00e1ja. Aki valaha ny\u00falt Revolut- vagy Wise-appokhoz, az azonnal otthon fogja mag\u00e1t \u00e9rezni. A keres\u0151fel\u00fclet intuit\u00edv, az ETF- \u00e9s r\u00e9szv\u00e9nyoldalak \u00e1ttekinthet\u0151k, a megb\u00edz\u00e1sad\u00e1s pedig n\u00e9h\u00e1ny gombnyom\u00e1s. <strong>Az Interactive Brokers appj\u00e1val \u00f6sszehasonl\u00edtva a Lightyear alkalmaz\u00e1sa legal\u00e1bb h\u00e1rom gener\u00e1ci\u00f3val modernebb \u00e9lm\u00e9nyt ny\u00fajt.<\/strong><\/p>\n\n\n\n<p>Amit az app j\u00f3l csin\u00e1l:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcca Portf\u00f3li\u00f3n\u00e9zet tiszta, \u00e1ttekinthet\u0151 <\/li>\n\n\n\n<li>\ud83d\udd00 Befektet\u00e9si mixek (automatiz\u00e1lt portf\u00f3li\u00f3\u00e9p\u00edt\u00e9s) k\u00f6nnyen kezelhet\u0151k (sosem haszn\u00e1ltam)<\/li>\n\n\n\n<li>\ud83c\udfe6 Sz\u00e9fek be- \u00e9s kiv\u00e9tele p\u00e1r m\u00e1sodperc (nem haszn\u00e1ltam, br\u00f3kersz\u00e1ml\u00e1t nem is nyitn\u00e9k miatta)<\/li>\n\n\n\n<li>\ud83d\udd14 \u00c1rriaszt\u00e1s be\u00e1ll\u00edthat\u00f3 (mobilon) <\/li>\n\n\n\n<li>\ud83c\udf19 S\u00f6t\u00e9t m\u00f3d, elrejt\u00e9si lehet\u0151s\u00e9gek<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"759\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-1024x759.jpg.webp\" alt=\" Lightyear, nagyon egyszer\u0171, \u00e1tl\u00e1that\u00f3 kezel\u0151fel\u00fclet\" class=\"wp-image-10051 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/759;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-1024x759.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-414x307.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-768x569.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-1536x1138.jpg.webp 1536w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-2048x1518.jpg.webp 2048w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-broker-teszt-kezelofelulet-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><figcaption class=\"wp-element-caption\">forr\u00e1s: Lightyear, nagyon egyszer\u0171, \u00e1tl\u00e1that\u00f3 kezel\u0151fel\u00fclet<\/figcaption><\/figure>\n\n\n\n<p>Amit az app kev\u00e9sb\u00e9 csin\u00e1l j\u00f3l:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udd0d Kutat\u00e1s, fundament\u00e1lis adatok szinte null\u00e1val egyenl\u0151k: nincs Morningstar, nincs EVA, nincs semmi int\u00e9zm\u00e9nyi adatforr\u00e1s <\/li>\n\n\n\n<li>\ud83c\udfae Demo sz\u00e1mla nem \u00e9rhet\u0151 el <\/li>\n\n\n\n<li>\ud83d\udeab \u00c9rtelmes r\u00e9szv\u00e9nysz\u0171r\u0151 nincs (pl. nem lehet P\/E, ROIC vagy szektor alapj\u00e1n sz\u0171rni)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83c\udf10 Webes fel\u00fclet<\/h3>\n\n\n\n<p>A b\u00f6ng\u00e9sz\u0151s fel\u00fclet meglep\u0151en teljes k\u00f6r\u0171, az \u00f6sszes mobilapp funkci\u00f3 el\u00e9rhet\u0151 bel\u0151le, bele\u00e9rtve a TBSZ kezel\u00e9s\u00e9t is. Regisztr\u00e1ci\u00f3 azonban kiz\u00e1r\u00f3lag a mobilalkalmaz\u00e1son kereszt\u00fcl lehets\u00e9ges, de ez egy 5 perces folyamat.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"621\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-1024x621.png.webp\" alt=\"Lightyear, asztali kliens\" class=\"wp-image-10075 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/621;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-1024x621.png.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-414x251.png.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-768x465.png.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-1536x931.png.webp 1536w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/03\/Lightyear-teszt-desktop-kliens-2048x1241.png.webp 2048w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><figcaption class=\"wp-element-caption\">forr\u00e1s: Lightyear, asztali kliens<\/figcaption><\/figure>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> az alkalmaz\u00e1s t\u00f6k\u00e9letes arra, amit a neve is sugall, gyors, egyszer\u0171 v\u00e9grehajt\u00e1sra. Aki nem akar Interactive Brokers f\u00e9le TWS-t tanulni, aki havonta egyszer vesz egy r\u00e9szv\u00e9nyt vagy ETF-et, \u00e9s akinek els\u0151sorban az egyszer\u0171s\u00e9g az els\u0151dleges szempont, annak ez az applik\u00e1ci\u00f3 val\u00f3ban megv\u00e1lt\u00e1s. Viszont aki fundament\u00e1lis elemz\u00e9st akar v\u00e9gezni, az nem itt fogja csin\u00e1lni, hanem egy k\u00fcls\u0151 eszk\u00f6zzel, mert adatot a Lightyear l\u00e9nyeg\u00e9ben nem ad. \u00c9s ide f\u0171zn\u00e9k egyb\u0151l p\u00e1r gondolatot is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udc5baz olcs\u00f3s\u00e1gnak az adathi\u00e1ny az \u00e1ra. Sok befektet\u0151t ismerek, aki csak amiatt nyitott egy Interactive Brokers sz\u00e1ml\u00e1t, mert ott a Morningstar, a Tipranks, az EVA \u00e9s sok m\u00e1s adat ingyen van, amikre el\u0151fizetni t\u00f6bbe ker\u00fclne, mint amennyibe a sz\u00e1mlanyit\u00e1s.<\/li>\n\n\n\n<li>\ud83d\udcabTBSZ sz\u00e1mla magyar ad\u00f3rezidenseknek: soha \u00e9letemben nem tal\u00e1lkoztam olyan flott sz\u00e1mlanyit\u00e1si \u00e9s TBSZ bejelent\u00e9si folyamattal, mint a Lightyear eset\u00e9ben, pedig ez a 7. sz\u00e1mlanyit\u00e1som. <strong>Minden teljesen egy\u00e9rtelm\u0171, e-mailben kaptok egy egyszer\u0171en k\u00f6vethet\u0151 le\u00edr\u00e1st, ami tartalmazza a magyarorsz\u00e1gi szervek el\u00e9rhet\u0151s\u00e9g\u00e9t, hogy a fel\u00fclet\u00fck\u00f6n mit kell csin\u00e1lni.<\/strong> Az els\u0151 kattint\u00e1st\u00f3l sz\u00e1m\u00edtva 10 percbe ker\u00fclt bejelentem a NAV-hoz a sz\u00e1ml\u00e1t \u00e9s gyan\u00edtom, hogy ugyanilyen sz\u00ednvonal\u00fa a szolg\u00e1ltat\u00e1s az angol \u00e9s egy\u00e9b piacokon is. Ez szerintem egy nagy plusz a kezd\u0151knek \u00e9s a Lightyear sz\u00e1ml\u00e1t nyit\u00f3knak.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"instrumentumok\">\ud83d\udcb5A Lightyear br\u00f3keren el\u00e9rhet\u0151 p\u00e9nz\u00fcgyi instrumentumok\ud83d\udcb5<\/h2>\n\n\n\n<p><em><em>Ebben a szekci\u00f3ban azt vizsg\u00e1lom,&nbsp;hogy milyen instrumentumok \u00e9rhet\u0151k el a <em><em>p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3 vagy <\/em><\/em>br\u00f3ker fel\u00fclet\u00e9n, azokat milyen form\u00e1ban v\u00e1s\u00e1rolhatj\u00e1tok meg, illetve mennyire sz\u00e9les ezek k\u00edn\u00e1lata.<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear k\u00edn\u00e1lat\u00e1n az l\u00e1tszik, hogy els\u0151sorban a kezd\u0151kre optimaliz\u00e1lt\u00e1k a k\u00edn\u00e1latot, ez\u00e9rt f\u0151leg r\u00e9szv\u00e9nyek \u00e9s ETF-ek \u00e9rhet\u0151k el, kock\u00e1zatosabb instrumentumok nem. Sajnos nem minden nagy piacot szolg\u00e1lnak ki, amit hi\u00e1nyoltam, az a kanadai \u00e9s az ausztr\u00e1l piac, \u00e9rdekes m\u00f3don a d\u00e1nt, a sv\u00e9det \u00e9s a magyart viszont megtal\u00e1ltam a term\u00e9kkeres\u0151ben. ISIN k\u00f3dot is haszn\u00e1lhattok a keres\u0151j\u00fckben, viszont az instrumentum sz\u0171r\u0151j\u00fck el\u00e9gg\u00e9 egyszer\u0171, \u00e1mb\u00e1tor gyorsan \u00e1tl\u00e1that\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 Amit meg lehet venni a Lightyear-en:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud83d\udcc8 R\u00e9szv\u00e9nyek:<\/strong> t\u00f6bb mint 6500 r\u00e9szv\u00e9ny, f\u0151leg US, EU \u00e9s UK piacokr\u00f3l. <strong>Magyar r\u00e9szv\u00e9nyek is el\u00e9rhet\u0151k<\/strong> (kb. 15 c\u00e9g, pl. OTP, MOL, Richter, Magyar Telekom), \u00e9s a lista b\u0151v\u00fcl.<\/li>\n\n\n\n<li><strong>\ud83d\udcb9 ETF-ek:<\/strong> ~300 ETF a legnagyobb kibocs\u00e1t\u00f3kt\u00f3l (iShares, Vanguard, SPDR, Invesco, LGIM, VanEck stb.). <strong>Az ETF-ek v\u00e1s\u00e1rl\u00e1sa teljesen d\u00edjmentes.<\/strong><\/li>\n\n\n\n<li><strong>\ud83c\udfe6 P\u00e9nzpiaci alapok (sz\u00e9fek):<\/strong> BlackRock alapok EUR, USD \u00e9s GBP deviz\u00e1kban.<\/li>\n\n\n\n<li><strong>\ud83d\udcc3 K\u00f6tv\u00e9nyek:<\/strong> korl\u00e1tozott k\u00edn\u00e1lat, jelenleg 27 k\u00f6tv\u00e9ny \u00e9rhet\u0151 el.<\/li>\n\n\n\n<li><strong>\ud83d\udd00 T\u00f6rt r\u00e9szv\u00e9ny:<\/strong> US r\u00e9szv\u00e9nyekn\u00e9l igen, EU r\u00e9szv\u00e9nyekn\u00e9l nem.<\/li>\n\n\n\n<li><strong>\ud83d\udd00 T\u00f6rt ETF:<\/strong> 2025 j\u00faliusa \u00f3ta el\u00e9rhet\u0151 (sz\u0171r\u0151vel kereshet\u0151k).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c Amit nem lehet megvenni a Lightyear-en:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u274c Kriptovalut\u00e1k<\/li>\n\n\n\n<li>\u274c Opci\u00f3k \u00e9s hat\u00e1rid\u0151s term\u00e9kek<\/li>\n\n\n\n<li>\u274c CFD-k<\/li>\n\n\n\n<li>\u274c Befektet\u00e9si hitel (nincs t\u0151ke\u00e1tt\u00e9tel)<\/li>\n\n\n\n<li>\u274c V\u00e1llalati k\u00f6tv\u00e9nyek sz\u00e9les k\u00edn\u00e1lata<\/li>\n\n\n\n<li>\u274c Egzotikus piacok \u00e9s kis t\u0151zsd\u00e9k (pl. lengyel, sv\u00e9d, d\u00e1n pap\u00edrok)<\/li>\n\n\n\n<li>\u274c IPO-k<\/li>\n<\/ul>\n\n\n\n<pre class=\"wp-block-preformatted\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\"><strong>\u261d\ufe0f A Lightyear els\u0151sorban egyszer\u0171, passz\u00edv befektet\u0151kre van m\u00e9retezve: ETF-ekhez \u00e9s a legn\u00e9pszer\u0171bb r\u00e9szv\u00e9nyekhez kiv\u00e1l\u00f3, de aki egzotikusabb piacokat, opci\u00f3kat, k\u00f6tv\u00e9nyeket vagy kript\u00f3t is akar, annak m\u00e1s br\u00f3ker kell mell\u00e9.<\/strong><\/mark><\/pre>\n\n\n\n<p>A k\u00edn\u00e1lat az Interactive Brokers felhozatal\u00e1nak a t\u00f6red\u00e9ke, de egy \u00e1tlagos hossz\u00fa t\u00e1v\u00fa befektet\u0151nek, aki index ETF-ekbe \u00e9s a vil\u00e1g legnagyobb c\u00e9gei r\u00e9szv\u00e9nyeibe fekteti a p\u00e9nz\u00e9t, ez b\u0151ven el\u00e9g.<\/p>\n\n\n\n<p><strong>\ud83d\udcccGyakorlatban:<\/strong> a Lightyear tesztel\u00e9s\u00e9t azzal kezdtem, hogy megkerestem az instrumentum keres\u0151j\u00fcket, hogy pontosan mi is \u00e9rhet\u0151 el n\u00e1luk \u00e9s becs\u00e9peltem a 26 elem\u0171 portf\u00f3li\u00f3mban l\u00e9v\u0151 neveket, amikb\u0151l 20 nevet tudtam volna megvenni. Az Erste Invest eset\u00e9ben ez m\u00e9g kevesebb lett volna, m\u00edg az Interactive Brokers-n\u00e9l 26-b\u00f3l 26 \u00f6sszej\u00f6n. Mi ennek az oka? <strong>Az, hogy a kanadai piacot (TSX:CSU, TSX:Topicus, TSX:Lumine, TSX:CMG), az ausztr\u00e1l piacot (ASX:KPG) \u00e9s a k\u00ednait (TCEHY) nem szolg\u00e1lj\u00e1k ki, kiv\u00e9ve ha a k\u00ednai pap\u00edr ADR-j\u00e9t bejegyezt\u00e9k az amerikai t\u0151zsd\u00e9kre is, p\u00e9ld\u00e1ul az Alibaba (NYSE:BABA) ilyen.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"strategiara\">\ud83e\udd35Milyen strat\u00e9gi\u00e1ra a legjobb a Lightyear br\u00f3ker?\ud83e\udd35<\/h2>\n\n\n\n<p><em>Ebben a szekci\u00f3ban azt vizsg\u00e1lom,&nbsp;hogy&nbsp;a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3 vagy br\u00f3ker fel\u00fcletei milyen strat\u00e9gi\u00e1ra alkalmasak \u00e9s milyenre nem. Nagyon sok szolg\u00e1ltat\u00f3nak vannak specialit\u00e1sai, amivel egy adott befektet\u0151i k\u00f6rt akarnak bevonni, ezekre is kit\u00e9rek.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear egy\u00e9rtelm\u0171en a <strong>passz\u00edv, hossz\u00fa t\u00e1v\u00fa befektet\u0151kre<\/strong> van kihegyezve. A d\u00edjszerkezete, az eszk\u00f6zk\u00edn\u00e1lata \u00e9s a fel\u00fclete mind azt sugallja, hogy az ide\u00e1lis felhaszn\u00e1l\u00f3 az, aki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcc5 havonta rendszeresen ETF-eket v\u00e1s\u00e1rol ,<\/li>\n\n\n\n<li>\ud83d\udd00 automatiz\u00e1lt portf\u00f3li\u00f3\u00e9p\u00edt\u00e9st szeretne (Befektet\u00e9si mixek) ,<\/li>\n\n\n\n<li>\ud83e\uddfe TBSZ sz\u00e1ml\u00e1n ad\u00f3hat\u00e9kony befektet\u00e9st keres ,<\/li>\n\n\n\n<li>\ud83d\ude45 nem akar nagyon bonyolult fel\u00fcleteket (mint az IBKR TWS-e) megtanulni.<\/li>\n<\/ul>\n\n\n\n<p><strong>Amire a Lightyear kiv\u00e1l\u00f3an alkalmas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 ETF-alap\u00fa passz\u00edv befektet\u00e9s (nulla keresked\u00e9si d\u00edj),<\/li>\n\n\n\n<li>\u2705 rendszeres, automatiz\u00e1lt befektet\u00e9s (Befektet\u00e9si mixek funkci\u00f3val),<\/li>\n\n\n\n<li>\u2705 TBSZ sz\u00e1ml\u00e1n t\u00f6rt\u00e9n\u0151 ad\u00f3hat\u00e9kony befektet\u00e9s,<\/li>\n\n\n\n<li>\u2705 likvidit\u00e1st megtartva kamatoz\u00f3 sz\u00e9fek (r\u00f6vid t\u00e1v\u00fa k\u00e9szp\u00e9nzparkol\u00e1s),<\/li>\n\n\n\n<li>\u2705 kezd\u0151 befektet\u0151knek, akik egyszer\u0171 fel\u00fcletet keresnek.<\/li>\n<\/ul>\n\n\n\n<p><strong>Amire a Lightyear nem igaz\u00e1n alkalmas:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u274c akt\u00edv keresked\u00e9s, technikai elemz\u00e9s,<\/li>\n\n\n\n<li>\u274c opci\u00f3z\u00e1s, hat\u00e1rid\u0151s keresked\u00e9s,<\/li>\n\n\n\n<li>\u274c egzotikus piacok, kis kapitaliz\u00e1ci\u00f3j\u00fa pap\u00edrok (kanadai, ausztr\u00e1l, k\u00ednai),<\/li>\n\n\n\n<li>\u274c kript\u00f3befektet\u00e9s,<\/li>\n\n\n\n<li>\u274c fundament\u00e1lis elemz\u00e9s alapj\u00e1n t\u00f6rt\u00e9n\u0151 r\u00e9szv\u00e9nyszelekci\u00f3 (hi\u00e1nyoznak az eszk\u00f6z\u00f6k).<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> <strong>ha valaki csak az S&amp;P 500-at vagy egy MSCI World ETF-et akar venni havonta, \u00e9s azt akarja, hogy k\u00f6zben a p\u00e9nze kamatozzon is, a Lightyear val\u00f3sz\u00edn\u0171leg az egyik legjobb megold\u00e1s Magyarorsz\u00e1gon, f\u0151leg, ha TBSZ sz\u00e1ml\u00e1n csin\u00e1lja.<\/strong> Ha viszont egyedi, kis kapitaliz\u00e1ci\u00f3j\u00fa r\u00e9szv\u00e9nyeket \u00e9s glob\u00e1lis piacokat akartok el\u00e9rni profi eszk\u00f6z\u00f6kkel, az Interactive Brokers n\u00e9lk\u00fcl ez nem igaz\u00e1n \u00faszhat\u00f3 meg.<\/p>\n\n\n\n<p>A fentiek miatt a Lightyeart arra haszn\u00e1ltam, hogy a kisebb m\u00e9ret\u0171 poz\u00edci\u00f3imat, amik t\u00fal sokat nem tudj\u00e1k befoly\u00e1solni az \u00f6sszk\u00e9pet, de nem is akartam \u0151ket eladni a j\u00f3 hozampotenci\u00e1l vagy a k\u00e9s\u0151bbre halasztott d\u00f6nt\u00e9seim miatt, \u00e1thelyeztem a Lightyear TBSZ sz\u00e1ml\u00e1mra egy technikai elad\u00e1s-\u00fajrav\u00e9tellel. Ezzel tudtam tesztelni, hogy milyen a szolg\u00e1ltat\u00f3, illetve p\u00e9nzt szabad\u00edthattam fel m\u00e1shol, a fontosabb poz\u00edci\u00f3im tov\u00e1bb b\u0151v\u00edt\u00e9s\u00e9re. \u00cdgy ker\u00fcltek a sz\u00e1ml\u00e1ra az al\u00e1bbiak:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00d6KO AB (ROKO-B),<\/li>\n\n\n\n<li><a href=\"https:\/\/iocharts.io\/blog\/az-diageo-reszveny-elemzese-deo\/\">Diageo (DEO) r\u00e9szv\u00e9ny elemz\u00e9s: lassul\u00f3 kereslet \u00e9s piac<\/a>,<\/li>\n\n\n\n<li><a href=\"https:\/\/iocharts.io\/blog\/a-brown-forman-reszveny-elemzese-bf-b-bf-b-meg-egy-kor-whisky-t\/\">Brown-Forman (BF.B): olcs\u00f3 \u00e9rt\u00e9kelts\u00e9g, magas kock\u00e1zat<\/a>,<\/li>\n<\/ul>\n\n\n\n<p>de term\u00e9szetesen a j\u00f6v\u0151ben fogom folytatni a kisebb nevek \u00e1tcsatorn\u00e1z\u00e1s\u00e1t a Lightyear sz\u00e1ml\u00e1ra. A fentiekb\u0151l l\u00e1tszik, hogy els\u0151dlegesen kieg\u00e9sz\u00edt\u0151 sz\u00e1mlak\u00e9nt tekintek a szolg\u00e1ltat\u00f3ra, err\u0151l b\u0151vebben a h\u00e1tr\u00e1nyok szekci\u00f3ban \u00edrtam.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ellenfelei\">\ud83c\udd9aKonkurensek: a Lightyear br\u00f3ker ellenfelei\ud83c\udd9a<\/h2>\n\n\n\n<p><em><em>Ebben a szekci\u00f3ban azt vizsg\u00e1lom,&nbsp;hogy&nbsp;kik az elemzett p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3 vagy br\u00f3ker konkurensei, azokhoz k\u00e9pest milyen az \u00e1raz\u00e1suk, kinek aj\u00e1nlhat\u00f3 \u00e9s kinek nem.<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear meg\u00edt\u00e9l\u00e9sekor fontos meg\u00e9rteni azt, hogy ez a br\u00f3ker nem ugyanabba a kateg\u00f3ri\u00e1ba tartozik, mint az Interactive Brokers. Ink\u00e1bb a Revolut, a Trading 212 \u00e9s az eToro a k\u00f6zvetlen versenyt\u00e1rsai. L\u00e1ssuk a f\u0151bb \u00f6sszehasonl\u00edt\u00e1si pontokat:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Szempont<\/th><th>Lightyear<\/th><th>Interactive Brokers<\/th><th>Trading 212<\/th><th>Revolut<\/th><\/tr><\/thead><tbody><tr><td>Bejegyz\u00e9s helye<\/td><td>\u00c9sztorsz\u00e1g<\/td><td>USA<\/td><td>Bulg\u00e1ria<\/td><td>Egyes\u00fclt Kir\u00e1lys\u00e1g<\/td><\/tr><tr><td>Kezelt vagyon<\/td><td>~1 Mrd USD<\/td><td>~757 Mrd USD<\/td><td>~30-35 Mrd USD<\/td><td>~8,5 Mrd USD<\/td><\/tr><tr><td>ETF d\u00edja<\/td><td><strong>Ingyenes<\/strong><\/td><td>~1 EUR\/tranzakci\u00f3<\/td><td>Ingyenes<\/td><td>Van spread<\/td><\/tr><tr><td>R\u00e9szv\u00e9ny d\u00edja<\/td><td>0,1% (US)<\/td><td>0,005 USD\/db v. 2 USD\/trn.<\/td><td>Ingyenes (CFD!)<\/td><td>Van spread<\/td><\/tr><tr><td>Devizav\u00e1lt\u00e1s<\/td><td>0,35%<\/td><td>Interbank k\u00f6zeli<\/td><td>0,15%<\/td><td>0,5% k\u00f6r\u00fcl<\/td><\/tr><tr><td>TBSZ<\/td><td><strong>Igen, ingyenes<\/strong><\/td><td>2000 HUF\/h\u00f3<\/td><td>Nincs<\/td><td>Nincs<\/td><\/tr><tr><td>Kript\u00f3<\/td><td>Nem<\/td><td>Korl\u00e1tozott<\/td><td>Nem<\/td><td>Igen<\/td><\/tr><tr><td>Befektet\u0151v\u00e9delem<\/td><td>20 000 EUR<\/td><td>20 000 EUR (EU)<\/td><td>20 000 EUR<\/td><td>85 000 GBP<\/td><\/tr><tr><td>Fel\u00fclet egyszer\u0171s\u00e9ge<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Fontos k\u00fcl\u00f6nbs\u00e9g a Trading 212-h\u00f6z k\u00e9pest:<\/strong> a Trading 212 egy market maker br\u00f3ker, vagyis a saj\u00e1t rendszer\u00fck\u00f6n bel\u00fcl p\u00e1ros\u00edtj\u00e1k a v\u00e9teli \u00e9s elad\u00e1si aj\u00e1nlatokat. Ez m\u00e1s kock\u00e1zati profilt jelent, mint a Lightyear modellje, ahol val\u00f3di t\u0151zsdei megb\u00edz\u00e1sok teljes\u00fclnek. Sosem tartottam market maker br\u00f3kern\u00e9l nagyobb \u00f6sszeget \u00e9s soha nem is fogok, mert ellen\u00e9rdekelt f\u00e9l a befektet\u0151vel szemben, viszont nyitottam Trading 212 sz\u00e1ml\u00e1t. Mivel nincs TBSZ szolg\u00e1ltat\u00e1suk \u00e9s CFD-kre hegyezt\u00e9k ki a fel\u00fcletet, a tov\u00e1bbiakban nem foglalkozom vel\u00fck.<\/p>\n\n\n\n<p><strong>Fontos k\u00fcl\u00f6nbs\u00e9g a Revolut-hoz k\u00e9pest:<\/strong> a Revolut befektet\u00e9si funkci\u00f3ja sok tekintetben korl\u00e1tozott. Az ETF-k\u00edn\u00e1lata sz\u0171kebb, nincs TBSZ sz\u00e1ml\u00e1juk sem. Viszont a Revolut a banki funkci\u00f3ival (k\u00e1rtya, utal\u00e1s) egy\u00fctt ad egy komplett p\u00e9nz\u00fcgyi \u00f6kosziszt\u00e9m\u00e1t, vehettek n\u00e1luk kript\u00f3t, van ingyenes devizav\u00e1lt\u00e1si keret\u00fck, \u00e9s amikor nyaralni megyek, jellemz\u0151en ide is helyezek \u00e1t \u00f6sszegeket. Mivel a top-up a Revolutra ingyenes, ez\u00e9rt mint k\u00f6zvet\u00edt\u0151 szolg\u00e1ltat\u00e1st \u00e9rdemes haszn\u00e1lnotok.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A Lightyear legf\u0151bb versenyel\u0151nyei a riv\u00e1lisokkal szemben:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb8 az ETF-keresked\u00e9s ingyeness\u00e9ge val\u00f3di t\u0151zsdei megb\u00edz\u00e1sokkal, <\/li>\n\n\n\n<li>\ud83e\uddfe ingyenes TBSZ,<\/li>\n\n\n\n<li>\ud83c\udfe6 sz\u00e9f funkci\u00f3 kamatoz\u00f3 p\u00e9nzpiaci alapokkal,<\/li>\n\n\n\n<li>\u2728 letisztult, modern fel\u00fclet,<\/li>\n\n\n\n<li> \ud83c\udded\ud83c\uddfa magyar nyelv.<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> a Lightyear \u00e9s az Interactive Brokers nem egym\u00e1s alternat\u00edv\u00e1i, hanem ink\u00e1bb kieg\u00e9sz\u00edt\u0151i. Az IB a profik eszk\u00f6ze, a Lightyear a bel\u00e9p\u0151szint\u0171 vagy passz\u00edv befektet\u0151k\u00e9. Ide\u00e1lis esetben mindkett\u0151n\u00e9l lesz vagy m\u00e1r van is sz\u00e1ml\u00e1tok: a Lightyearn\u00e9l a rendszeres ETF-v\u00e1s\u00e1rl\u00e1sok \u00e9s a TBSZ jelent el\u0151nyt, m\u00edg az Interactive Brokersn\u00e9l a komolyabb portf\u00f3li\u00f3t \u00e9rdemes tartani, illetve az egy\u00e9ni r\u00e9szv\u00e9nyeket \u00e9s az egzotikus piaci eszk\u00f6z\u00f6ket.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading hide-in-translation\" id=\"befektetoknek\">\ud83c\udded\ud83c\uddfaSzekci\u00f3 magyar befektet\u0151knek (\u00e9s m\u00e1soknak)\ud83c\udded\ud83c\uddfa<\/h2>\n\n\n\n<p class=\"hide-in-translation\"><em><em>Ebben a szekci\u00f3ban&nbsp;a Magyarorsz\u00e1gon ad\u00f3rezidens befektet\u0151knek mutatok be p\u00e1r helyi saj\u00e1toss\u00e1got \u00e9s  leg\u00e1lis &#8222;kiskaput&#8221;, amivel \u00e9rdemes \u00e9lnetek.<\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity hide-in-translation\"\/>\n\n\n\n<h3 class=\"wp-block-heading hide-in-translation\">\ud83e\uddee TBSZ a Lightyear-n\u00e9l<\/h3>\n\n\n\n<p class=\"hide-in-translation\">A magyar befektet\u0151k sz\u00e1m\u00e1ra a TBSZ (Tart\u00f3s Befektet\u00e9si Sz\u00e1mla) az egyik legfontosabb ad\u00f3optimaliz\u00e1l\u00e1si eszk\u00f6z. A Lightyear 2024-t\u0151l k\u00edn\u00e1lja ezt a lehet\u0151s\u00e9get, \u00e9s a strukt\u00fara a k\u00f6vetkez\u0151:<\/p>\n\n\n\n<ul class=\"wp-block-list hide-in-translation\">\n<li class=\"hide-in-translation\"><strong>\ud83c\udd93 A TBSZ sz\u00e1mlanyit\u00e1sa \u00e9s fenntart\u00e1sa ingyenes <\/strong>(az Interactive Brokersn\u00e9l 2000 HUF\/h\u00f3),<\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83d\udcc5 A gy\u0171jt\u0151\u00e9v janu\u00e1r 1-t\u0151l december 31-ig tart, ez alatt lehet r\u00e1 p\u00e9nzt befizetni,<\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83c\udf89 Ha 5 \u00e9vig nem t\u00f6r\u00f6d fel: <strong>az \u00f6sszes hozam SZJA- \u00e9s szoch\u00f3mentes,<\/strong><\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83d\udcb0 Ha 3 \u00e9v ut\u00e1n t\u00f6r\u00f6d fel:<strong> kedvezm\u00e9nyes ad\u00f3z\u00e1s,<\/strong><\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83d\udcb3 Minim\u00e1lis befizet\u00e9s a TBSZ megnyit\u00e1s\u00e1hoz: <strong>25 000 Ft.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"hide-in-translation\"><strong>Fontos:<\/strong> <strong>a TBSZ sz\u00e1ml\u00e1n l\u00e9v\u0151 be nem fektetett p\u00e9nzre a Lightyear nem fizet kamatot<\/strong> (a magyar jogszab\u00e1lyok ezt nem engedik). Aki kamatoztatni szeretn\u00e9 a TBSZ-en parkol\u00f3 k\u00e9szp\u00e9nz\u00e9t, az csak ETF-v\u00e1s\u00e1rl\u00e1ssal teheti meg, vagy a sz\u00e9fet csak a norm\u00e1l sz\u00e1ml\u00e1n tudja haszn\u00e1lni. Viszont ennek \u00edgy van ad\u00f3vonzata, sz\u00f3val szerintem egyszer\u0171bb ezeket az \u00f6sszegeket befektetni vagy v\u00e1s\u00e1rolni bel\u0151le \u00c1llamkincst\u00e1ri sz\u00e1ml\u00e1n \u00e1llampap\u00edrt, ami teljesen d\u00edjmentes.<\/p>\n\n\n\n<p class=\"hide-in-translation\"><strong>K\u00fclf\u00f6ldi TBSZ bejelent\u00e9s:<\/strong> <strong>a TBSZ sz\u00e1mlanyit\u00e1st 30 napon bel\u00fcl be kell jelenteni a NAV-nak, <\/strong>ha k\u00fclf\u00f6ldi szolg\u00e1ltat\u00f3n\u00e1l nyitj\u00e1tok. Ez egy egyszer\u0171 online bejelent\u00e9s, de nem szabad megfeledkezni r\u00f3la! A Lightyear seg\u00edt benne, k\u00fcldenek egy nagyon j\u00f3 t\u00e1j\u00e9koztat\u00f3t, egyetlen dolgot kell megn\u00e9znetek, hogy melyik a lakhelyeteken illet\u00e9kes NAV iroda, ezt itt tehetitek meg: <a href=\"https:\/\/nav.gov.hu\/igazgatosagok\/igazgatosagok\">NAV igazgat\u00f3s\u00e1gok<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading hide-in-translation\">\ud83d\udd22 Ad\u00f3z\u00e1s<\/h3>\n\n\n\n<p class=\"hide-in-translation\">Ad\u00f3bevall\u00e1st a Lightyear nem k\u00e9sz\u00edt helyettetek, de a sz\u00fcks\u00e9ges dokumentumokat let\u00f6lthetitek a fi\u00f3kb\u00f3l:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"hide-in-translation\">\ud83d\udcc4 sz\u00e1mlakivonat,<\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83d\udcca j\u00f6vedelemkimutat\u00e1s,<\/li>\n\n\n\n<li class=\"hide-in-translation\">\ud83d\udcc8 t\u0151kenyeres\u00e9g-kimutat\u00e1s,<\/li>\n<\/ul>\n\n\n\n<p class=\"hide-in-translation\">A hozamok ut\u00e1n, ha nem TBSZ sz\u00e1ml\u00e1n keletkeznek, <strong>15% SZJA fizetend\u0151, kamatok ut\u00e1n 13% szocho<\/strong> is.<\/p>\n\n\n\n<h3 class=\"wp-block-heading hide-in-translation\">\ud83d\udcca FX v\u00e1lt\u00e1s<\/h3>\n\n\n\n<p class=\"hide-in-translation\">A Lightyear val\u00f3s k\u00f6z\u00e9p\u00e1rfolyamon v\u00e1lt, 0,35%-os d\u00edj\u00e9rt. Ez versenyk\u00e9pes, b\u00e1r az Interactive Brokers interbankk\u00f6zel\u0171 \u00e1rfolyamai m\u00e9g enn\u00e9l is jobbak, illetve a Revolutnak van egy limit\u00e1lt, ingyenes kerete. <strong>HUF-b\u00f3l deviz\u00e1ra v\u00e1lt\u00e1shoz \u00e1ltal\u00e1ban mindk\u00e9t br\u00f3ker jobb, mint b\u00e1rmely hagyom\u00e1nyos bank.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"elonyei\">\u2705A Lightyear br\u00f3ker el\u0151nyei\u2705<\/h2>\n\n\n\n<p><em><em><em>Ebben a szekci\u00f3ban&nbsp;megvizsg\u00e1lom a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3 vagy br\u00f3ker milyen el\u0151ny\u00f6kkel rendelkezik.<\/em><\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>D\u00edjoldali el\u0151ny\u00f6k<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 ETF-keresked\u00e9s teljesen ingyenes, a passz\u00edv befektet\u0151 sz\u00e1m\u00e1ra ez rendk\u00edv\u00fcl vonz\u00f3,<\/li>\n\n\n\n<li>\u2705 Ingyenes TBSZ, az IB-n\u00e9l ez 2000 HUF\/h\u00f3,<\/li>\n\n\n\n<li>\u2705 Nincs sz\u00e1mlavezet\u00e9si d\u00edj, nincs inaktivit\u00e1si d\u00edj, nincs \u00e1llom\u00e1nyi d\u00edj,<\/li>\n\n\n\n<li>\u2705 Kamatoz\u00f3 sz\u00e9fek BlackRock p\u00e9nzpiaci alapokon kereszt\u00fcl,<\/li>\n\n\n\n<li>\u2705 Ingyenes banki beutal\u00e1s \u00e9s kiutal\u00e1s.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Technol\u00f3giai \u00e9s felhaszn\u00e1l\u00f3i el\u0151ny\u00f6k<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Az egyik legjobb mobilalkalmaz\u00e1s a kateg\u00f3ri\u00e1j\u00e1ban \u2014 egyszer\u0171, letisztult, modern<\/li>\n\n\n\n<li>\u2705 Magyar nyelv\u0171 fel\u00fclet \u00e9s \u00fcgyf\u00e9lszolg\u00e1lat<\/li>\n\n\n\n<li>\u2705 Befektet\u00e9si mixek funkci\u00f3 \u2014 automatiz\u00e1lt, rendszeres befektet\u00e9shez kiv\u00e1l\u00f3<\/li>\n\n\n\n<li>\u2705 T\u00f6rt r\u00e9szv\u00e9ny \u00e9s t\u00f6rt ETF is el\u00e9rhet\u0151<\/li>\n\n\n\n<li>\u2705 Webes fel\u00fcleten is teljes k\u00f6r\u0171en haszn\u00e1lhat\u00f3<\/li>\n\n\n\n<li>\u2705 K\u00e1rty\u00e1s felt\u00f6lt\u00e9s lehets\u00e9ges (els\u0151 500 EUR d\u00edjmentes)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Biztons\u00e1gi szempontok<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 EFSA (\u00e9szt) szab\u00e1lyoz\u00e1s, EU-s keretrendszerben,<\/li>\n\n\n\n<li>\u2705 20 000 EUR befektet\u0151v\u00e9delem (EU eszk\u00f6z\u00f6k),<\/li>\n\n\n\n<li>\u2705 500 000 USD SIPC v\u00e9delem (US \u00e9rt\u00e9kpap\u00edrok, Alpac\u00e1n kereszt\u00fcl),<\/li>\n\n\n\n<li>\u2705 \u00dcgyf\u00e9lp\u00e9nzeket elk\u00fcl\u00f6n\u00edtve kezelik.<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> a Lightyear legjobb tulajdons\u00e1ga a felhaszn\u00e1l\u00f3i \u00e9lm\u00e9ny \u00e9s az ETF-keresked\u00e9s null\u00e1s d\u00edja. Ha valaki heti-havi rendszeress\u00e9ggel ETF-et v\u00e1s\u00e1rol \u00e9s TBSZ-en tartja, a Lightyear tal\u00e1n a legjobb hazai alternat\u00edva a maga kateg\u00f3ri\u00e1j\u00e1ban.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"hatranyai\">\u274cA Lightyear br\u00f3ker h\u00e1tr\u00e1nyai\u274c<\/h2>\n\n\n\n<p><em><em><em><em>Ebben a szekci\u00f3ban&nbsp;megvizsg\u00e1lom a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00f3 vagy br\u00f3ker milyen h\u00e1tr\u00e1nyokkal rendelkezik.<\/em><\/em><\/em><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A trivi\u00e1lis h\u00e1tr\u00e1nyok:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u274c <strong>Korl\u00e1tozott eszk\u00f6zk\u00edn\u00e1lat:<\/strong> egzotikus piacok, opci\u00f3k, hat\u00e1rid\u0151s term\u00e9kek, kript\u00f3 mind hi\u00e1nyoznak,<\/li>\n\n\n\n<li>\u274c <strong>Startupos bizonytalans\u00e1g:<\/strong> nincs banki h\u00e1tt\u00e9r, nincs t\u0151zsdei bevezet\u00e9s, a d\u00edjak a j\u00f6v\u0151ben v\u00e1ltkisbefektet\u0151kozhatnak,<\/li>\n\n\n\n<li>\u274c <strong>Nincs int\u00e9zm\u00e9nyi adatszolg\u00e1ltat\u00e1s<\/strong> (Morningstar, EVA stb.), fundament\u00e1lis elemz\u0151knek ez hi\u00e1nyozni fog,<\/li>\n\n\n\n<li>\u274c <strong>Nincs demo sz\u00e1mla<\/strong>, kezd\u0151knek k\u00eds\u00e9rletez\u00e9si lehet\u0151s\u00e9g n\u00e9lk\u00fcl kell bel\u00e9pni,<\/li>\n\n\n\n<li>\u274c <strong>Nincs telefonos \u00fcgyf\u00e9lszolg\u00e1lat<\/strong>, csak e-mail \u00e9s \u00fczenet,<\/li>\n\n\n\n<li>\u274c <strong>TBSZ-en nincs kamat<\/strong> a be nem fektetett p\u00e9nzre (de ez egy jogszab\u00e1lyi saj\u00e1toss\u00e1g, de \u00e1llampap\u00edr v\u00e1s\u00e1rl\u00e1s\u00e1val a probl\u00e9ma feloldhat\u00f3),<\/li>\n\n\n\n<li>\u274c <strong>A modern, k\u00f6nnyen haszn\u00e1lhat\u00f3 fel\u00fclet cs\u00e1b\u00edt\u00f3,<\/strong> k\u00f6nny\u0171 lesz elt\u00e9rni a befektet\u00e9si strat\u00e9gi\u00e1t\u00f3l, ha az ember sokat n\u00e9zegeti a sz\u00e1mokat \u00e9s impulz\u00edvan megvesz valamit.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">A nem trivi\u00e1lis h\u00e1tr\u00e1nyok:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83e\udd14<strong>TBSZ sz\u00e1mla z\u00e1rts\u00e1ga:<\/strong> a Lightyear legnagyobb struktur\u00e1lis kock\u00e1zata az \u00e9rt\u00e9kpap\u00edrok z\u00e1rolts\u00e1ga. Ha TBSZ sz\u00e1ml\u00e1n tartod a portf\u00f3li\u00f3dat \u00e9s a Lightyear dr\u00e1g\u00edtani kezd, nem tudod egyszer\u0171en \u00e1tvinni m\u00e1shova az \u00e9rt\u00e9kpap\u00edrjaidat, de ezt a kock\u00e1zatot az \u00f6sszes szolg\u00e1ltat\u00f3n\u00e1l futj\u00e1tok. Viszont a Lightyear jelenleg &#8222;startup m\u00f3dban&#8221; fut, teh\u00e1t kock\u00e1zati t\u0151k\u00e9t von be a n\u00f6veked\u00e9shez, mivel nem nyeres\u00e9ges. Ez egyben azt is jelenti, hogy egyszer el kell kezdeni\u00fck emelni az \u00e1rakon, \u00e9s mivel a kezelt vagyon m\u00e9rete jelenleg m\u00e9g alacsony, ez\u00e9rt a d\u00edjdr\u00e1gul\u00e1sra sokkal nagyobb az es\u00e9ly hosszabb t\u00e1von, mint az IB eset\u00e9ben, amelyik ~750x akkora vagyont kezel.<\/li>\n\n\n\n<li>\u2708\ufe0f<strong>Orosz-ukr\u00e1n h\u00e1bor\u00fahoz val\u00f3 k\u00f6zels\u00e9g:<\/strong> \u00c9sztorsz\u00e1g k\u00f6zvetlen\u00fcl hat\u00e1ros Oroszorsz\u00e1ggal, \u00e9s a balti \u00e1llamok a NATO keleti sz\u00e1rny\u00e1nak legexpon\u00e1ltabb tagjai. Az orosz-ukr\u00e1n h\u00e1bor\u00fa kit\u00f6r\u00e9se \u00f3ta ez a geopolitikai kock\u00e1zat k\u00e9zzelfoghat\u00f3 lett, kor\u00e1bban sokan elm\u00e9leti fenyeget\u00e9sk\u00e9nt kezelt\u00e9k. Ami a legval\u00f3sz\u00edn\u0171bb, hogy fizikai fegyveres konfliktus nem t\u00f6r ki, viszont \u00c9sztorsz\u00e1g kor\u00e1bban is kitett volt az orosz kibert\u00e1mad\u00e1soknak. Viszont val\u00f3sz\u00edn\u0171, hogyha t\u00e9nyleges konfliktusra ker\u00fclne sor, akkor a Lightyear felh\u0151alap\u00fa, f\u00f6ldrajzilag elosztott infrastrukt\u00far\u00e1ja n\u00e9mi v\u00e9delmet adna ez ellen, de a sz\u00e1ml\u00e1khoz val\u00f3 hozz\u00e1f\u00e9r\u00e9s akkor is ellehetetlen\u00fclhet, f\u0151leg ha a Lightyear vezet\u00e9se is az orsz\u00e1gban tart\u00f3zkodik.<\/li>\n<\/ul>\n\n\n\n<p><strong>\ud83d\udccc Gyakorlatban:<\/strong> az\u00e9rt \u00e9rdemes az olyan esem\u00e9nyekre elmenni, mint a 2025-\u00f6s budapesti Lightyear summit, mert konkr\u00e9tan felk\u00e9rdezt\u00e9k a magyarok Martin Sokkot ezzel a k\u00e9rd\u00e9ssel. <strong>\u0150 azt mondta, hogy az \u00fcgyf\u00e9lp\u00e9nzek elszepar\u00e1ltan a partnerint\u00e9zetekn\u00e9l vannak, \u00edgy elm\u00e9letben nem \u00e9rinten\u00e9 az \u00fcgyfeleket egy ilyen helyzet sem. <\/strong>Viszont, ha visszalapoztok a cikkem arra a szekci\u00f3j\u00e1ra, ahol felsoroltam a sz\u00e1mlakezel\u0151 bankokat, akkor l\u00e1thatj\u00e1tok, hogy a HUF \u00e9s az EUR alap\u00fa sz\u00e1ml\u00e1k \u00c9sztorsz\u00e1gban vannak. Vagyis ezen sz\u00e1ml\u00e1k kitetts\u00e9ge lenne a legnagyobb egy fegyveres konfliktus eset\u00e9n, \u00edgy az ilyen int\u00e9zm\u00e9nyi kock\u00e1zatokkal mindenk\u00e9ppen sz\u00e1moljatok.<\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">\u261d\ufe0f<strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">A fenti kitetts\u00e9get nagyban enyh\u00edti, hogy az EUR \u00e9s HUF sz\u00e1ml\u00e1kat kezel\u0151 LVH bank rendszerei Luxemburgban vannak t\u00fckr\u00f6zve, m\u00edg a Lightyear legjobb tudom\u00e1som szerint az Amazon AWS-en fut, szint\u00e9n t\u00fckr\u00f6zve. A r\u00e9szv\u00e9nyek pedig nem \u00e9szt let\u00e9tkezel\u0151kn\u00e9l vannak, hanem az Alpac\u00e1n\u00e1l San Mateo-ban, Kaliforni\u00e1ban, illetve az Euroclearn\u00e9l Br\u00fcsszelben, Belgiumban. <\/mark><\/strong><\/pre>\n\n\n\n<p>Ehhez j\u00f6n m\u00e9g hozz\u00e1 az, hogy a Balti \u00e1llamok kiverd\u00e9velmi felk\u00e9sz\u00fclts\u00e9ge a vil\u00e1g \u00e9lvonal\u00e1ba tartozik, nem v\u00e9letlen\u00fcl. Az orosz hekkert\u00e1mad\u00e1sok folyamatosak, amiket ezek az orsz\u00e1gok viszonylag hat\u00e9konyan k\u00e9pesek elh\u00e1r\u00edtani \u00e9s szerintem azokat is megnyugtatja majd, akik egy esetleges konfliktus miatt agg\u00f3dnak.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"Lightyear banner\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"osszegzese\">\ud83d\udcddA Lightyear br\u00f3ker \u00f6sszegz\u00e9se\ud83d\udcdd<\/h2>\n\n\n\n<p><em>Az elemz\u00e9s \u00f6sszefoglal\u00e1sa, tanuls\u00e1gok levon\u00e1sa.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>A Lightyear 2020 \u00f3ta rendk\u00edv\u00fcl gyorsan fejl\u0151dik, \u00e9s 2024-t\u0151l a TBSZ bevezet\u00e9s\u00e9vel Magyarorsz\u00e1gon is komoly alternat\u00edv\u00e1v\u00e1 v\u00e1lt. Az egyszer\u0171, modern fel\u00fclet, az ingyenes ETF-keresked\u00e9s \u00e9s a nulla sz\u00e1mlavezet\u00e9si d\u00edj vonz\u00f3 kombin\u00e1ci\u00f3t alkot, k\u00fcl\u00f6n\u00f6sen azoknak, akik passz\u00edv, rendszeres befektet\u00e9sben gondolkodnak.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705<strong>Mire j\u00f3 a Lightyear?<\/strong> Els\u0151sorban ETF-alap\u00fa passz\u00edv befektet\u00e9sre, TBSZ keretein bel\u00fcl, automatiz\u00e1lt befektet\u00e9si mixekkel. A sz\u00e9fek r\u00e9v\u00e9n a be nem fektetett p\u00e9nz is kamatozik, ami szint\u00e9n plusz.<\/li>\n\n\n\n<li>\u274c<strong>Mire nem j\u00f3?<\/strong> \u00d6sszetett, akt\u00edv befektet\u00e9si strat\u00e9gi\u00e1ra, egzotikus piacokra, opci\u00f3ra, kript\u00f3ra, \u00e9s komolyabb fundament\u00e1lis elemz\u00e9si eszk\u00f6z\u00f6ket sem k\u00edn\u00e1l.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udddd\ufe0f<strong>A kulcsk\u00e9rd\u00e9s:<\/strong> megb\u00edzhatsz-e egy startupban a hossz\u00fa t\u00e1v\u00fa vagyonod kezel\u00e9s\u00e9vel? A szab\u00e1lyoz\u00f3i h\u00e1tt\u00e9r rendben van, a kezelt \u00f6sszegek biztos\u00edtottak, de a c\u00e9g j\u00f6v\u0151beli d\u00edjpolitik\u00e1ja \u00e9s fenntarthat\u00f3s\u00e1ga bizonytalan \u00e9s egy h\u00e1bor\u00fa is d\u00fal \u00c9sztorsz\u00e1g szomsz\u00e9dj\u00e1ban. Diverzifik\u00e1ci\u00f3val \u00e9s a j\u00f3zan \u00e9sz haszn\u00e1lat\u00e1val azonban nagy bajotok nem lehet:<strong> ne tarts\u00e1tok az \u00f6sszes toj\u00e1st egyetlen kos\u00e1rban, ahogyan a mond\u00e1s is tartja.<\/strong><\/p>\n\n\n\n<p>Ami miatt viszont m\u00e9gis mindenkinek k\u00f6telez\u0151 nyitnia egyet, az a nagyon olcs\u00f3 d\u00edjstrukt\u00fara, \u00e9s hogy \u00fagyis kell egy m\u00e1sodlagos br\u00f3ker m\u00e9g a legprofibbaknak is. Ezt pedig enn\u00e9l olcs\u00f3bban \u00e9s egyszer\u0171bben nem tudj\u00e1tok megtenni, \u00edgy mindenkinek aj\u00e1nlom a sz\u00e1mlanyit\u00e1st, l\u00e9v\u00e9n a saj\u00e1t vagyonom egy r\u00e9sz\u00e9vel is erre szavaztam.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Ezt itt tehetitek meg: <a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\">SZ\u00c1MLANYIT\u00c1S<\/a>.<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\"><strong>\ud83e\udd11<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-cyan-blue-color\">Ha pedig az \u00e9rdekel, hogy mi milyen egy\u00e9b br\u00f3kereket haszn\u00e1lunk m\u00e9g, akkor olvasd el az al\u00e1bbi \u00edr\u00e1sunkat:<\/mark><\/strong><br>\ud83d\udcc9<a href=\"https:\/\/iocharts.io\/blog\/interactive-brokers-broker-szamla-elemzes-profiknak-profi\/\">Interactive Brokers br\u00f3ker sz\u00e1mla elemz\u00e9s \u2013 Profiknak profi<\/a><\/pre>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><a href=\"https:\/\/lightyear.com\/en-eu\/profile\/jozsef491\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"256\" data-src=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp\" alt=\"Lightyear banner\" class=\"wp-image-9688 lazyload\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/256;width:1140px;height:auto\" data-srcset=\"https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-1024x256.jpg.webp 1024w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-414x104.jpg.webp 414w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-768x192.jpg.webp 768w, https:\/\/iocharts.io\/blog\/wp-content\/smush-webp\/2026\/02\/Lightyear-blue-white-scaled.jpg.webp 1110w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/><\/a><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Mennyire biztons\u00e1gos a Lightyear?<\/h2>\n\n\n\n<p>A Lightyear az \u00e9szt p\u00e9nz\u00fcgyi fel\u00fcgyelet (EFSA) enged\u00e9ly\u00e9vel rendelkezik, az EU-s keretrendszer r\u00e9sz\u00e9t k\u00e9pezi. Az eur\u00f3pai eszk\u00f6z\u00f6kre 20 000 EUR, az amerikai \u00e9rt\u00e9kpap\u00edrokra 500 000 USD \u00f6sszegig \u00e1ll fenn biztos\u00edt\u00e1s, de jellemz\u0151en ez a sz\u00e1ml\u00e1n t\u00e1rolt k\u00e9szp\u00e9nzre vonatkozik, hiszen az \u00e9rt\u00e9kpap\u00edrok a neveteken vannak. Az \u00fcgyf\u00e9lp\u00e9nzeket a Lightyear elk\u00fcl\u00f6n\u00edti a saj\u00e1t eszk\u00f6zeit\u0151l, a r\u00e9szv\u00e9nyek az \u00fcgyf\u00e9l nev\u00e9n vannak. Egy startup c\u00e9g eset\u00e9ben viszont a hossz\u00fa m\u00falt \u00e9s a banki h\u00e1tt\u00e9r hi\u00e1nya val\u00f3s kock\u00e1zati t\u00e9nyez\u0151.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Van-e TBSZ a Lightyear-n\u00e9l?<\/h3>\n\n\n\n<p>Igen, 2024-t\u0151l el\u00e9rhet\u0151 a Tart\u00f3s Befektet\u00e9si Sz\u00e1mla (TBSZ) minden magyarorsz\u00e1gi ad\u00f3rezidens felhaszn\u00e1l\u00f3nak. Nyit\u00e1sa \u00e9s fenntart\u00e1sa ingyenes, minim\u00e1lis befizet\u00e9s 25 000 HUF. A TBSZ-en a be nem fektetett p\u00e9nzre nem j\u00e1r kamat, de az \u00f6sszes t\u00f6bbi funkci\u00f3 el\u00e9rhet\u0151. A sz\u00e1mlanyit\u00e1st 30 napon bel\u00fcl be kell jelenteni a NAV-nak, de err\u0151l a Lightyear k\u00fcld nektek egy nagyon egyszer\u0171en v\u00e9gigvihet\u0151 t\u00e1j\u00e9koztat\u00f3t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Milyen d\u00edjai vannak a Lightyear-nek?<\/h3>\n\n\n\n<p>Az ETF-keresked\u00e9s ingyenes. US r\u00e9szv\u00e9nyekn\u00e9l 0,1% (max. 1 USD\/tranzakci\u00f3), EU r\u00e9szv\u00e9nyekn\u00e9l 1 EUR, UK r\u00e9szv\u00e9nyekn\u00e9l 1 GBP a d\u00edj. Devizav\u00e1lt\u00e1s 0,35%, bankk\u00e1rty\u00e1s befizet\u00e9s 0,6% (els\u0151 500 EUR ingyenes). Sz\u00e1mlavezet\u00e9si, inaktivit\u00e1si \u00e9s \u00e1llom\u00e1nyi d\u00edj nincs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Milyen instrumentumok \u00e9rhet\u0151k el?<\/h3>\n\n\n\n<p>T\u00f6bb mint 6500 r\u00e9szv\u00e9ny \u00e9s ~300 ETF, k\u00f6zt\u00fck magyar r\u00e9szv\u00e9nyek is. K\u00f6tv\u00e9nyek korl\u00e1tozott k\u00edn\u00e1latban (27 db). Nincs kript\u00f3, nincs opci\u00f3, nincs hat\u00e1rid\u0151s term\u00e9k \u00e9s nincs CFD.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kinek aj\u00e1nlott a Lightyear?<\/h3>\n\n\n\n<p>Els\u0151sorban passz\u00edv, hossz\u00fa t\u00e1v\u00fa befektet\u0151knek, akik ETF-eket vagy r\u00e9szv\u00e9nyeket v\u00e1s\u00e1rolnak rendszeresen, TBSZ sz\u00e1ml\u00e1n szeretn\u00e9k kezelni a befektet\u00e9seiket, \u00e9s fontos sz\u00e1mukra az egyszer\u0171, \u00e1tl\u00e1that\u00f3 fel\u00fclet. Kezd\u0151 befektet\u0151knek is kiv\u00e1l\u00f3 bel\u00e9p\u00e9si pont, illetve a tapasztaltabbaknak, diverzifik\u00e1ci\u00f3s c\u00e9lzattal, m\u00e1sodik br\u00f3kernek is.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mi\u00e9rt v\u00e1ltozhat a d\u00edjpolitika a j\u00f6v\u0151ben?<\/h3>\n\n\n\n<p>A Lightyear egy startup, amely befektet\u0151i p\u00e9nzb\u0151l finansz\u00edrozza a n\u00f6veked\u00e9s\u00e9t \u00e9s jelenleg nem nyeres\u00e9ges. A startupok jellemz\u0151en az els\u0151 \u00e9veket olcs\u00f3n \u00fczemeltetik a felhaszn\u00e1l\u00f3sz\u00e1m n\u00f6vel\u00e9s\u00e9\u00e9rt, majd a profitabilit\u00e1s el\u00e9r\u00e9sekor d\u00edjakat emelnek. Ez nem biztos, hogy dr\u00e1mai m\u00e9rt\u00e9k\u0171 lesz, de \u00e9rdemes r\u00e9sen lenni.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em><strong>Jogi \u00e9s felel\u0151ss\u00e9gi nyilatkozat (disclaimer):<\/strong> a cikk mag\u00e1nv\u00e9lem\u00e9nyt tartalmaz, kiz\u00e1r\u00f3lag inform\u00e1lis \u00e9s sz\u00f3rakoztat\u00f3 c\u00e9lokat szolg\u00e1l. Semmilyen form\u00e1ban nem mer\u00edti ki a befektet\u00e9si tan\u00e1csad\u00e1s t\u00e9mak\u00f6r\u00e9t. Az itt le\u00edrtak NEM \u00e9rtelmezhet\u0151k aj\u00e1nlatt\u00e9telnek. A meghozott d\u00f6nt\u00e9seitek\u00e9rt KIZ\u00c1R\u00d3LAG TI vagytok a felel\u0151sek.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>A Lightyear br\u00f3ker bemutat\u00e1sa A Lightyear egy 2020-ban alap\u00edtott \u00e9szt fintech startup, amelyet Martin Sokk \u00e9s Mihkel Aamer h\u00edvott \u00e9letre, mindketten a Wise kor\u00e1bbi munkat\u00e1rsai. A c\u00e9g alap\u00edt\u00f3i pontosan azt a probl\u00e9m\u00e1t akart\u00e1k megoldani, amit maguk is tapasztaltak: az eur\u00f3pai kisbefektet\u0151k sz\u00e1m\u00e1ra az \u00e9rt\u00e9kpap\u00edr-v\u00e1s\u00e1rl\u00e1s dr\u00e1ga, \u00e1tl\u00e1thatatlan \u00e9s k\u00f6r\u00fclm\u00e9nyes volt. A Lightyear m\u00f6g\u00f6tt komoly befektet\u0151i n\u00e9vsor [&hellip;]<\/p>\n<div class=\"read-more\"><a href=\"https:\/\/iocharts.io\/blog\/lightyear-a-legjobb-olcso-broker-2026-ban-arak-szolgaltatasok\/\" class=\"btn btn-primary btn-lg\">Tov\u00e1bb<\/a><\/div>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":2,"featured_media":10073,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[94,31],"tags":[8,304,129,302,306,303,4,260],"class_list":["post-10003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-broker","category-reszvenyelemzes","tag-broker","tag-diszkont-broker","tag-iocharts","tag-lightyear","tag-olcso-broker","tag-portfolioblogger-2","tag-reszveny","tag-reszvenyelemzes-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Lightyear: a legjobb olcs\u00f3 br\u00f3ker 2026-ban? \u00c1rak, szolg\u00e1ltat\u00e1sok -<\/title>\n<meta name=\"description\" content=\"A Lightyear br\u00f3ker elemz\u00e9s: ingyenes ETF-keresked\u00e9s, d\u00edjmentes TBSZ, letisztult fel\u00fclet, de megb\u00edzhat\u00f3-e egy \u00e9szt startup?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iocharts.io\/blog\/lightyear-a-legjobb-olcso-broker-2026-ban-arak-szolgaltatasok\/\" \/>\n<meta property=\"og:locale\" content=\"hu_HU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lightyear: a legjobb olcs\u00f3 br\u00f3ker 2026-ban? \u00c1rak, szolg\u00e1ltat\u00e1sok -\" \/>\n<meta property=\"og:description\" content=\"A Lightyear br\u00f3ker elemz\u00e9s: ingyenes ETF-keresked\u00e9s, d\u00edjmentes TBSZ, letisztult fel\u00fclet, de megb\u00edzhat\u00f3-e egy \u00e9szt startup?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iocharts.io\/blog\/lightyear-a-legjobb-olcso-broker-2026-ban-arak-szolgaltatasok\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/iOCharts\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-21T15:21:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-21T19:24:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iocharts.io\/blog\/wp-content\/uploads\/2026\/03\/Lightyear-elemzes-nyito-v3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1110\" \/>\n\t<meta property=\"og:image:height\" content=\"409\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Marton J. 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