{"id":30372,"date":"2023-02-14T15:52:05","date_gmt":"2023-02-14T13:52:05","guid":{"rendered":"https:\/\/financer.ee\/?page_id=30372"},"modified":"2024-08-31T17:10:05","modified_gmt":"2024-08-31T14:10:05","slug":"finantsvabaduse-kalkulaator","status":"publish","type":"page","link":"https:\/\/financer.ee\/finantsnouanded\/kalkulaatorid\/finantsvabaduse-kalkulaator\/","title":{"rendered":"Finantsvabaduse kalkulaator"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Kuidas_kasutada_finantsvabaduse_kalkulaatorit\">Kuidas kasutada finantsvabaduse kalkulaatorit?<\/h2>\n\n\n<div class=\"howto_desc\"><p>Financer.ee finantsvabaduse kalkulaator on lihtne tasuta t\u00f6\u00f6riist, mis aitab sul planeerida oma rahaasju, investeeringuid, eelarvet ning finantsvabadust. Plaanimine on edu alus &#8211; kasuta seda t\u00f6\u00f6riista, et planeerida oma finantsvabaduse teekonda.<\/p><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Samm 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Sisesta-pohiandmed\">Sisesta p\u00f5hiandmed<\/h3><p>Sisesta oma praegune vanus ja eeldatav vanus siis, kui kavatsed pensionile j\u00e4\u00e4da. M\u00e4\u00e4ra ka eeldatav aastane inflatsioonim\u00e4\u00e4r.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Samm 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Hinda-oma-pensioni-suurust\">Hinda oma pensioni suurust<\/h3><p>See samm v\u00f5ib olla pisut keeruline, kuid proovi ennustada, kui suur v\u00f5ib olla sinu tulevane pensionitulu igakuiselt.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Samm 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pane-kirja-oma-investeeringud\">Pane kirja oma investeeringud<\/h3><p>See on k\u00f5ige olulisem samm &#8211; pead kirja panema oma investeeringute v\u00e4\u00e4rtused ning nende eelduslikud kasvum\u00e4\u00e4rad. N\u00e4iteks, kui sul on 1000-eurone hoius, mille tootlus on 7%, peaksid selle kirja panema.<\/p>\n<p>Kui sa ei tea kasvum\u00e4\u00e4rasid t\u00e4pselt, proovi ennustada tulu suurust vastavalt oma ootustele.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Samm 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pane-kirja-oma-igakuised-tulud-ja-kulud\">Pane kirja oma igakuised tulud ja kulud<\/h3><p>J\u00e4rgmises sammus pead sisuliselt kirja panema oma igakuise eelarve: kulud ja tulud, mis sul hetkel on. Selle info p\u00f5hjal arvutab kalkulaator, kui l\u00e4hedal sa v\u00f5id olla finantsvabadusele, vastavalt oma tulude ja kulude suhtele.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Samm 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Vaata-oma-tulemusi\">Vaata oma tulemusi<\/h3><p>N\u00fc\u00fcd saadki oma tulemusi n\u00e4ha vastavalt esitatud andmetele. Kalkulaator n\u00e4itab sulle ka seda, kui palju sul on hetkel iga kuu raha, mida v\u00f5iksid investeerida oma finantsvabaduse suunas.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<div class='fn_block block_fn_msg_box cost search-hero--bg1'><h3>K\u00f5rge teenustasu s\u00f6\u00f6b sinu tootlust?<\/h3><p>Vali \u00f5ige investeerimisplatvorm ja s\u00e4\u00e4sta aastas \u00fcle 500\u20ac.<\/p><p class=\"has-text-left\"><a href='https:\/\/financer.ee\/investeerimine\/aktsiad\/' class='button is-normal is-primary is-rounded'>Leia parim investeerimisplatvorm<\/a><\/p><\/div><h2 class=\"wp-block-heading\" id=\"Mis_on_finantsvabadus\">Mis on finantsvabadus?<\/h2>\n\n\n\n<p>Finantsvabaduse saavutamine on olnud Eestis viimastel aastatel \u00fcsna suur k\u00f5neaine: isegi suunamudijad r\u00e4\u00e4givad juba finantsvabadusest.<\/p>\n\n\n\n<p>Mida see aga t\u00e4hendab? <\/p>\n\n\n\n<p>T\u00f5de seisneb selles, et<strong> finantsvabadus t\u00e4hendab igale inimesele tegelikult natuke erinevat asja<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Kui aga v\u00f5tta selle m\u00f5te kokku, siis: finantsvabadus t\u00e4hendab olukorda, kus sa tuled rahaliselt toime nii, et sa ei pea enam t\u00f6\u00f6l k\u00e4ima, sest passiivsest tulust teenid juba piisavalt.<\/p><\/div>\n\n\n<p>\u00dctleme, et sul oleks vaja 2000 eurot selleks, et m\u00f5nusalt \u00e4ra elada. Kui oled investeerinud ja oled j\u00f5udnud kohta, kus teenidki 2000 eurot iga kuu oma investeeringutest (n\u00e4iteks dividendidest), siis oled sisuliselt finantsvaba, kuna sa ei peaks enam t\u00f6\u00f6l k\u00e4ima oma sissetuleku teenimiseks.<\/p>\n\n\n\n<p>T\u00e4pselt seda finantsvabadus endast sisult kujutabki &#8211; ja just seda saad meie finantsvabaduse kalkulaatoris arvutada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Kuidas_saavutada_finantsvabadus_5_sammu\">Kuidas saavutada finantsvabadus? (5 sammu)<\/h2>\n\n\n<div class=\"howto_desc\"><p>Finantsvabaduse saavutamine ei ole sugugi nii keeruline kui tundub &#8211; see pole seejuures sugugi liialdus v\u00f5i roosamannaline vaatevinkel. Kui hakkad teadlikult planeerima oma rahaasju ja sead eesm\u00e4rgi ning teed iga kuu samme oma finantsvabaduse suunas, saad ka selle saavutada.<\/p><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Samm 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Muuda-oma-motteviisi\">Muuda oma m\u00f5tteviisi<\/h3><p>Suure t\u00f5en\u00e4osusega on sul hetkel m\u00f5ni piirav m\u00f5tteviis raha ja rikkuse osas &#8211; meile k\u00f5igile on neid paraku mingil m\u00e4\u00e4ral alateadvusesse paigaldatud. M\u00f5tiskle rahaasjade \u00fcle ning hakka teadlikult muutma oma m\u00f5tteviisi raha osas optimistlikumaks.<\/p>\n<p>Nt selle asemel, et m\u00f5elda, kuidas finantsvabadus on ainult &#8216;rikastele&#8217; v\u00f5i neile, kellel &#8216;on rohkem&#8217;, hakka m\u00f5tlema, kuidas oma ellu luua j\u00f5ukust.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Samm 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Pane-paika-oma-eesmark\">Pane paika oma eesm\u00e4rk<\/h3><p>Finantsvabadus t\u00e4hendab iga inimese jaoks erinevat asja. Tee endale selgeks, mida t\u00e4hendab finantsvabadus sinu jaoks &#8211; kui palju on sul vaja iga kuu sissetulekut selleks, et mugavalt elada?<\/p>\n<p>Arvesta finantsvabaduse &#8220;numbri&#8221; v\u00e4ljaarvutamisel nii igap\u00e4evaste elukulude, ootamatuteks v\u00e4ljaminekuteks m\u00f5eldud summa kui ka niisama \u00fclej\u00e4\u00e4giga, et tunneksid end \u00fcle\u00fcldiselt vabalt ning ei peaks muretsema raha p\u00e4rast.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Samm 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Loo-igakuine-eelarve\">Loo igakuine eelarve<\/h3><p>Enne, kui saad m\u00f5elda finantsvabadusele, pead saama t\u00e4pse \u00fclevaate oma igakuisest rahalisest seisust. Koosta selle jaoks kindel eelarve, kuhu kannad oma kulud ja tulud ning arvesta sinna eelarvesse ka summa, mida hakkad regulaarselt investeerima ja s\u00e4\u00e4stma.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Samm 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Keskendu-esmalt-saastudele\">Keskendu esmalt s\u00e4\u00e4studele<\/h3><p>Finantsvabadust ei saavutata \u00fcle\u00f6\u00f6 ega isegi paari aastaga. Kui oled j\u00f5udnud nii kaugele, et kodune eelarve on paigas, peaksid keskenduma tagavaras\u00e4\u00e4stude loomisele.<\/p>\n<p>Ideaalis peaks sul olema s\u00e4\u00e4stetud v\u00e4hemalt 6 kuu jagu v\u00e4ljaminekuid &#8211; niimoodi saad rahulikult keskenduda investeeringutele, teades, et ootamatud kulud saab alati katta.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Samm 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Alusta-investeerimist\">Alusta investeerimist<\/h3><p>Enamus eksperte peavad aktsiaturul tegutsemist endiselt \u00fcheks parimaks viisiks, kuidas saavutada finantsvabadus (isegi, kui turud v\u00f5ivad aeg-ajalt langeda). Dividendiaktsiad ja liitintress aitavad su raha tasapisi kasvatada.<\/p>\n<p>Kui sa pole tegelenud investeerimisega, alusta vaikselt testimist erinevatel kauplemisplatvormidel v\u00f5i LHV panga vahendusel, kus on <a href=\"https:\/\/financer.ee\/investeerimine\/\">investeerimine<\/a> algajate jaoks tehtud lihtsamaks.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                            <\/div>\n            <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Top_3_parimad_investeerimisplatvormid\">Top 3: parimad investeerimisplatvormid<\/h2>\n\n\n\n<p>Kui r\u00e4\u00e4gime finantsvabadusest, siis tuleb r\u00e4\u00e4kida investeerimisest &#8211; ilma selleta naljalt ikkagi finantsvabaduse poole ei j\u00f5ua.<\/p>\n\n\n\n<p>Paljud eksperdid usuvad, et finantsvabaduseni j\u00f5udmiseks on parim investeerida kas kinnisvarasse v\u00f5i aktsiatesse\/fondidesse, aga muidugi t\u00e4pne investeerimisviis on sinu vaba valik.<\/p>\n\n\n\n<p><strong>Toome siinkohal v\u00e4lja Financer.ee kolm lemmikplatvormi, kus saad alustada oma teekonda finantsvabaduse poole.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"_Freedom24\">\ud83e\udd47 Freedom24<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ee\/ettevote\/freedom24\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"586\" height=\"180\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2022\/06\/freedom24-freedom-finance-europe.png\" class=\"attachment-full size-full\" alt=\"freedom24 - freedom finance europe\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2022\/06\/freedom24-freedom-finance-europe.png 586w, https:\/\/financer.global\/app\/uploads\/sites\/7\/2022\/06\/freedom24-freedom-finance-europe-300x92.png 300w\" sizes=\"(max-width: 586px) 100vw, 586px\" \/><\/a><span class=\"items-content__card-chosen\">Valitud <strong>391<\/strong> korda<\/span><ul class=\"items-content__card-list\"><li >Aktsiaid valikus: \u00fcle 40 000<\/li><li >15 erinevat suuremat b\u00f6rsi<\/li><li >Vahendustasu aktsia kohta: 0.02\u20ac<\/li><li >D-hoiukonto intress 3.37% aastas<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Aktsiaid kokku<\/span><span class=\"items-content__card-datapoint-value\">40000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Orderi teenustasu<\/span><span class=\"items-content__card-datapoint-value\">2\u20ac order + 0.02\u20ac<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Hoiuintress<\/span><span class=\"items-content__card-datapoint-value\">3.63%<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ee\/ettevote\/freedom24\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"28528\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Alusta<\/a><a href=\"https:\/\/financer.ee\/ettevote\/freedom24\/\"  class=\"button is-rounded items-content__card-more-info\">Lisainfo<\/a><span class=\"items-content__card-credit-title \"><\/span><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Kui tahad osta-m\u00fc\u00fca p\u00e4risaktsiaid (v\u00f5i ETF-e ja muid instrumente), on Freedom24 \u00fcks igati adekvaatne valik kauplemisplatvormide hulgas.<\/p>\n\n\n\n<p>Freedom24 on eriti mugav mobiilil kasutamiseks ning saad alustada ka v\u00e4ga v\u00e4ikese esialgse investeeringuga.<\/p>\n\n\n\n<p>Lisaks pakub Freedom24 erilist D-hoiukonto teenust, millega saad niisama raha hoiustada ja s\u00e4\u00e4sta, teenides <strong>\u00fcle 3% intressi aastas<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"_eToro\">\ud83e\udd48 eToro<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ee\/ettevote\/etoro\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"586\" height=\"180\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2017\/05\/etoro-logo.png\" class=\"attachment-full size-full\" alt=\"eToro logo\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2017\/05\/etoro-logo.png 586w, https:\/\/financer.global\/app\/uploads\/sites\/7\/2017\/05\/etoro-logo-300x92.png 300w\" sizes=\"(max-width: 586px) 100vw, 586px\" \/><\/a><span class=\"items-content__card-chosen\">Valitud <strong>5&nbsp;020<\/strong> korda<\/span><ul class=\"items-content__card-list\"><li >T\u00e4isfunktsionaalne demoversioon<\/li><li >Madal investeeringumiinimum<\/li><li >Unikaalne CopyTrading funktsioon<\/li><li >3000+ aktsiat valikus (CFD-kauplemine)<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Aktsiaid valikus<\/span><span class=\"items-content__card-datapoint-value\">3000+<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. investeering<\/span><span class=\"items-content__card-datapoint-value\">$50<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Konto avamine<\/span><span class=\"items-content__card-datapoint-value\">Tasuta<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ee\/ettevote\/etoro\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"5222\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Alusta<\/a><a href=\"https:\/\/financer.ee\/ettevote\/etoro\/\"  class=\"button is-rounded items-content__card-more-info\">Lisainfo<\/a><span class=\"items-content__card-credit-title \"><\/span><\/div><\/div><div class=\"items-content__card-description\" >Kauplemisega kaasneb risk. CFD-d on riskantsed instrumendid. 51% tavainvestoreid kaotavad CFD-ga kaubeldes raha.<\/div><\/div><\/div><\/div>\n\n\n<p>eToro on CFD-del p\u00f5hinev kauplemisplatvorm, mis t\u00e4hendab, et enamus asjast sa eToros <em>p\u00e4ris<\/em> aktsiaid ei osta &#8211; kaubelda saab hinnavahelepingutega.<\/p>\n\n\n\n<p>Kui otsid aga natuke aktiivsemat ja riskantsemat varianti, on eToro \u00fcks v\u00f5imalik valik.<\/p>\n\n\n\n<p>\u00dcks eToro suurimaid plusse on <strong>CopyTrading funktsioon<\/strong>, mille vahendusel saad automaatselt kopeerida teiste kauplejate tehinguid &#8211; see on eriti k\u00e4ep\u00e4rane selleks, et kohati oma riske maandada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"_Lightyear\">\ud83e\udd49 Lightyear<\/h3>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financer.ee\/ettevote\/lightyear\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"586\" height=\"180\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2023\/07\/lightyear-investeerimine.png\" class=\"attachment-full size-full\" alt=\"lightyear investeerimine\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/7\/2023\/07\/lightyear-investeerimine.png 586w, https:\/\/financer.global\/app\/uploads\/sites\/7\/2023\/07\/lightyear-investeerimine-300x92.png 300w\" sizes=\"(max-width: 586px) 100vw, 586px\" \/><\/a><span class=\"items-content__card-chosen\">Valitud <strong>55<\/strong> korda<\/span><ul class=\"items-content__card-list\"><li >3500+ aktsiat ja ETF-i \u00fcle kogu maailma<\/li><li >Investeeri alates 1\u20ac<\/li><li >3.00%-4.50% intress investeerimata saldol<\/li><li >Finantsinspektsiooni tegevusloaga<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Min. investeering<\/span><span class=\"items-content__card-datapoint-value\">1\u20ac<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Aastane tootlus<\/span><span class=\"items-content__card-datapoint-value\">3.73%<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Tehingutasu<\/span><span class=\"items-content__card-datapoint-value\">1\u20ac<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financer.ee\/ettevote\/lightyear\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"43004\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Alusta<\/a><a href=\"https:\/\/financer.ee\/ettevote\/lightyear\/\"  class=\"button is-rounded items-content__card-more-info\">Lisainfo<\/a><span class=\"items-content__card-credit-title \"><\/span><\/div><\/div><\/div><\/div><\/div>\n\n\n<p>Meie kolmas lemmik on p\u00e4ris kodumaine Lightyear &#8211; \u00fclimalt kasutajas\u00f5bralik ja lihtne investeerimis\u00e4pp, kus tehingute tegemine on vaat et kiirem ja lihtsam kui v\u00f5ileiva valmistamine.<\/p>\n\n\n\n<p>Lightyearis on saadaval \u00fcle 3500 aktsia ja ETF-i, saad alustada investeerimist vaid 1 euroga ning platvormil on <strong>Finantsinspektsiooni tegevusluba<\/strong>. <\/p>\n\n\n\n<p>Teisis\u00f5nu: Lightyear on hetkel vaieldamatult Eesti investorite jaoks \u00fcks parimaid mobiilseid platvorme.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"Finantsvabaduse_korduma_kippuvad_ksimused\">Finantsvabaduse korduma kippuvad k\u00fcsimused<\/h3><h4>Mida finantsvabadus t\u00e4hendab?<\/h4><div class=\"faq_inner\"><p>Finantsvabadus t\u00e4hendab olukorda, kus sinu investeeringud, s\u00e4\u00e4stud ja sissetulek on piisavad selleks, et sa saad mugavalt elada ilma konkreetselt t\u00f6\u00f6l k\u00e4imata. N\u00e4iteks, kui su investeeringud toovad iga kuu passiivselt tulu nii palju, et saad m\u00f5nusalt \u00e4ra elada ja ei peaks enam tegelikult t\u00f6\u00f6l k\u00e4ima, t\u00e4hendab see, et oledki finantsiliselt vaba.<\/p><\/div><h4>Kui palju on mul vaja raha finantsvabaduse saavutamiseks?<\/h4><div class=\"faq_inner\"><p>Iga inimese finantsvabaduse eesm\u00e4rk on erinev, sest meie k\u00f5igi igakuised vajadused on erinevad. M\u00f5ni inimene elab mugavalt \u00e4ra n\u00e4iteks 2000 euroga, m\u00f5ni vajab 5000 eurot. Sinu vajadustest s\u00f5ltub, kui palju peaksid iga kuu passiivselt teenima (v\u00f5i olema pensionip\u00f5lveks s\u00e4\u00e4stnud), et mugavalt \u00e4ra elada.<\/p><\/div><h4>Kas palgat\u00f6\u00f6ga on v\u00f5imalik saavutada finantsvabadus?<\/h4><div class=\"faq_inner\"><p>Jah, muidugi on! Finantsvabaduse saavutamise peamine p\u00f5him\u00f5te on iga kuu panna oma sissetulekust teatud summa hoiuste v\u00f5i investeeringute alla, et teenida edaspidi passiivselt tulu. Olenemata oma palga suurusest saab absoluutselt iga\u00fcks iga kuu kas v\u00f5i natuke raha m\u00e4\u00e4rata investeerimiseks.<\/p>\n<p>K\u00f5ik on kinni planeerimises ja eelarvestamises &#8211; mida suurem on sissetulek, seda kergem on k\u00fcll finantsvabadust saavutada, kuid ka v\u00e4iksema v\u00f5i keskmise palga juures pole see v\u00f5imatu.<\/p><\/div><h4>Millesse investeerida, et saavutada finantsvabadus?<\/h4><div class=\"faq_inner\"><p>Sellele k\u00fcsimusele pole \u00fchest vastust: finantsvabaduse saavutamiseks pead sa lihtsalt leidma passiivsed tulutoojad, st investeeringud, mis toovad sulle iga kuu tulu.<\/p>\n<p>\u00dched k\u00f5ige levinumad investeeringud finantsvabaduse saavutamiseks on:<\/p>\n<ul>\n<li>aktsiad, v\u00f5lakirjad jm kaubeldavad varad, eriti sellised, mis maksavad dividende;<\/li>\n<li>kinnisvara (eriti just v\u00e4lja\u00fc\u00fcrimise eesm\u00e4rgil).<\/li>\n<\/ul><\/div><h4>Kui kaua l\u00e4heb aega finantsvabaduse saavutamiseks?<\/h4><div class=\"faq_inner\"><p>See s\u00f5ltub otseselt sellest, milline on sinu finantsvabaduse eesm\u00e4rk, millesse sa investeerid ning kui palju sa iga kuu panustad oma investeeringutesse.<\/p>\n<p>Siin on \u00fcks n\u00e4ide:<\/p>\n<ul>\n<li>Sinu eesm\u00e4rk on teenida iga kuu 2000 eurot passiivset tulu (summa, mida vajad mugavaks \u00e4raelamiseks).<\/li>\n<li>Sa investeerid aktsiatesse, millel on 10%-ne dividendim\u00e4\u00e4r. See t\u00e4hendab, et su aktsiaportfelli v\u00e4\u00e4rtus peaks olema 240 000 eurot (10% dividendim\u00e4\u00e4r t\u00e4hendab ca 24 000 eurot, mis jagatud 12 kuu vahel teeb 2000 eurot kuus).<\/li>\n<\/ul>\n<p>Seega s\u00f5ltub finantsvabaduse saavutamise aeg sellest, kui palju saad pidevalt investeerida selleks, et su aktsiaportfell oleks l\u00f5puks v\u00e4\u00e4rt 240 000 eurot.<\/p>\n<p><strong><em>Pane aga t\u00e4hele, et eesm\u00e4rgi saavutamine v\u00f5ib olla kiirem, kui reinvesteerid vahepeal teenitud dividendid pidevalt &#8211; niiviisi saad nautida liitintressi ime.<\/em><\/strong><\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Kuidas kasutada finantsvabaduse kalkulaatorit? K\u00f5rge teenustasu s\u00f6\u00f6b sinu tootlust?Vali \u00f5ige investeerimisplatvorm ja s\u00e4\u00e4sta aastas \u00fcle 500\u20ac.Leia parim investeerimisplatvormMis on finantsvabadus?\u2026 <\/p>\n","protected":false},"author":28,"featured_media":78601,"parent":5128,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[41],"tags":[],"_links":{"self":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/30372"}],"collection":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/comments?post=30372"}],"version-history":[{"count":13,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/30372\/revisions"}],"predecessor-version":[{"id":78618,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/30372\/revisions\/78618"}],"up":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/pages\/5128"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media\/78601"}],"wp:attachment":[{"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/media?parent=30372"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/categories?post=30372"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financer.ee\/wp-json\/wp\/v2\/tags?post=30372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}