Kujuta ette olukorda: on reede õhtu, oled just lõpetanud töönädala ja plaanid nädalavahetust, kui äkki kuuled köögist kahtlast häält. Külmkapp on lakanud töötamast. Või veel hullem – esmaspäeva hommikul ei käivitu auto, millega pead tööle sõitma. Või saabub teade...

I. Introduction: what is an IPO? An IPO (Initial Public Offering) marks a turning point in the life of any company - the transition from private to public ownership. It's an event that involves both large financial institutions and thousands of...

Passive income is the dream, the goal, the holy grail of every investor - money that makes money, with minimum time investment. While most of the debate focuses on dividends from equities and ETFs, there is a whole range of alternative, often higher income...

This article is written for educational purposes and provides an overview of financial principles and scenarios. It is not personal financial, legal or investment advice. Before making any financial decisions, always consult a licensed...

If your monthly investment exceeds €1,000, or if you have a large amount of spare capital (e.g. €50,000 or more), you face new challenges and more opportunities. In previous parts of this series, we focused on building discipline and...

If you're a beginner investor and have successfully mastered the discipline of investing €25-50 a month (as we discussed in our previous article), you've reached the second, more exciting level of the financial journey. Your monthly contribution has grown to €200-500. This is a significant...

Do you feel that investing is only available to those with big wallets? It's a common but dangerous myth that can have a strong impact on the motivation and confidence of the novice investor and keep people away from the financial world. In fact, to get started in investing...

The Euribor (European Interbank Offered Rate) is a key indicator in the financial world that directly affects the daily financial lives of millions of Europeans. It is not just an interest rate between banks, but the basis on which much of the euro area's variable interest rates are...

Have you been wondering over the past few years why stock prices reached unprecedented peaks or why your mortgage interest rates stayed close to zero for years? Or, conversely, why the fastest inflation in 40 years was so sudden and aggressive? These...

Oil - the "black gold" - is the artery of the modern global economy. It is the energy that drives cars, ships and planes, fuels industry and heats homes. That's why the price of oil has always been one of the most sensitive indicators of the global economy. History has shown that...

Have you ever wondered why the US dollar plays such a big role in the world? Why is the dollar constantly talked about as the "king", even if your daily transactions are in euros? It's no coincidence. The global economy and your financial future are influenced by two important,...

While in the first article we explored the concept and myths of passive income, we now focus on what is the main source of financial income for most people - active income. This is the income you earn for your time, knowledge and skills. Your salary,...

If you've been around social media or financial blogs in recent years, you've probably come across the term "passive income". The dream of money flowing into your account as if by magic while you enjoy life, travel or just relax is appealing....

In the investment world, one of the main objectives is to achieve maximum return with minimum risk. However, this is no easy task, as risk and return are closely linked. The rule of thumb is that the higher the potential return, the higher the...

Financial crises - these words can cause anxiety and conjure up images of panicked stockbrokers or bankrupt companies. While some historical storms, such as the Tulip Mania of the 17th century or the Great Depression of the 1930s, are lessons in their own right, it is...

The world of investing is full of fascinating stories and colourful characters who have left a profound mark on the global economy through their strategies and decisions. Behind these success stories, however, lie not just numbers and graphs, but also human experiences, lessons and wisdom,...

Ageing is an inevitable part of life, but growing old with peace of mind and dignity requires conscious planning, especially when it comes to financial security. Retirement may seem like a distant dream beyond the mountains to a young person, but the truth is that the foundation for the future...

Have you already taken your first steps in the world of investing and set up an investment plan? That's great! But investing is a dynamic process, and your plan needs constant care and attention to keep it in line with your goals and the market situation....

Have you ever wondered how to achieve your financial goals - whether it's a comfortable retirement, buying your dream home or exploring the world? Investing is one of the key tools that can help you grow your money and make your dreams a reality....

Martin Scorsese's 2013 film "The Wolf of Wall Street" offered a shocking and entertaining glimpse into the glamorous yet highly immoral world of young stockbrokers. Leonardo DiCaprio plays Jordan Belfort, who, along with his fellow...

Imagine the following situation: you have invested in shares and the market is down. The news is full of negative forecasts and everyone around you is panicking. Either you sell your shares to avoid further losses, or you keep calm and stick to your investment plan....

In 2011, the US financial world was rocked by scandal when Raj Rajaratnam, founder of the Galleon Group, was convicted of 14 insider trading offences. Rajaratnam, once one of Wall Street's most influential investors, illegally made millions of dollars using...

"Investing is like gardening. You don't plant all the seeds in one place." In today's fast-changing economic environment, with inflation eating into savings and geopolitical tensions creating uncertainty, strategic management of an investment portfolio is more important than...

There are two main strategies for planning your finances: saving and investing. Both are important for achieving financial security, but there are important differences between them. In this article, we explain the differences between saving and investing and help you...

nInvesting is a journey towards financial freedom, but it can take many different paths. Some investors prefer to take the highway, taking risks and looking for quick returns. Others, however, choose a more leisurely pace, investing for the long term and...

An IPO (Initial Public Offering) is a big step for many companies. It is a way to raise significant capital, raise awareness and provide liquidity for early investors. For investors, too, an IPO can be an attractive opportunity....

"Be greedy when others are afraid, and fear when others are greedy." This famous quote from Warren Buffett captures the essence of investing in a recession. While the recession creates uncertainty and fear, it also offers unique opportunities for investors who...

In today's world, we face a number of global challenges, such as climate change, inequality and resource depletion. More and more people want to invest their money in a way that takes into account not only financial performance, but also the environment, social...

Investing is a journey towards financial security, but it is not an isolated journey. Global events, economic trends and political decisions all have an impact on markets and therefore on your investments. While politics may seem distant and...

Did you know that the S&P 500 index covers about 80% of the US stock market value? It's one of the world's most closely watched stock indices and gives investors a good insight into the health of the US economy. In this article, we'll take a closer look at what the S&P500 is, why it's important and...

Investing can be like a thrilling ride on the American mountain - one minute you're euphoric at the top of the sky, the next minute you feel your stomach ache from the sudden drop. Fluctuating emotions are an integral part of investing, and coping with them can be just as...

Estonia's pension funds are not just places where a small part of our paychecks quietly disappears each month. They are giants of the financial markets, whose decisions affect our future pensions and the future of the Estonian economy. They are like invisible forces that...

Most investment strategies are about buying cheap and selling dear. This is the name of the game in investing. But what if there's an opportunity to profit from the opposite - a fall in asset prices? That's what shorting is. In this article...

Investment fraud and schemes are unfortunately a widespread problem that threatens everyone's financial security. They are designed to defraud investors out of money by offering them false information or false promises of high returns. Investment fraud is a deliberate deception,...

Have you ever seen a bag of potatoes for sale in a shop? Sometimes the price is higher, sometimes lower. Do you always wait for the absolute lowest price to buy potatoes, or do you prefer to buy smaller quantities at a lower price on a regular basis? The same logic can be...

Rethinking investment strategies in times of inflation Recent high inflation has rattled investors, forcing them to reassess traditional investment strategies. Cash, once seen as a safe store of value, is losing its real...

Investment life stages: adapt your investment strategy to your life stage Life is an exciting journey that takes us through different stages. When we are young, we enjoy freedom and dream big. In middle age, we take responsibility for our families and careers. In the golden years...