{"id":467,"date":"2024-03-29T18:18:11","date_gmt":"2024-03-29T18:18:11","guid":{"rendered":"https:\/\/fundguidr.ee\/?page_id=467"},"modified":"2025-09-14T12:20:59","modified_gmt":"2025-09-14T12:20:59","slug":"deposit-at","status":"publish","type":"page","link":"https:\/\/fundguidr.ee\/en\/deposit-at\/","title":{"rendered":"Savings"},"content":{"rendered":"

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Hoius<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ use_custom_gutter=”on” gutter_width=”2″ specialty=”on” background_color_2=”#f8f9ff” padding_top_2=”20px” padding_right_2=”20px” padding_bottom_2=”20px” padding_left_2=”20px” padding_top_bottom_link_2=”false” padding_left_right_link_2=”false” custom_css_main_2=”border: 1px solid rgba(53, 86, 191, 0.2);||border-radius: 5px;||padding-bottom: 20px !important;” _builder_version=”4.27.2″ _module_preset=”default” width=”100%” max_width=”100%” inner_width=”90%” bottom_divider_style=”curve2″ bottom_divider_color=”#f6f8ff” global_colors_info=”{}”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner module_id=”hoius1″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Mis on hoius?” content_max_width=”100%” module_id=”aktsia1″ _builder_version=”4.27.2″ _module_preset=”default” header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”22px” body_font=”Poppins||||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Hoius on raha v\u00f5i muu vara hoidmine finantsasutuses kindlaksm\u00e4\u00e4ratud perioodi v\u00e4ltel. See on viis oma raha turvaliseks hoidmiseks ja intressi teenimiseks. Hoiusekontod on tavaliselt pakutavad kommertspankades v\u00f5i hoiu-laenu\u00fchistutes.<\/span>\u00a0<\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Hoius vs investeering” content_max_width=”100%” module_id=”aktsia1″ _builder_version=”4.27.2″ _module_preset=”default” header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”22px” body_font=”Poppins||||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Hoiused ja investeeringud on m\u00f5lemad viisid oma raha kasvatamiseks, kuid neil on olulisi erinevusi:<\/p>\n

[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.0″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column_inner type=”1_3″ saved_specialty_column_type=”2_3″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Risk” content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h5″ header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”18px” body_font=”Poppins|300|||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

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Hoiused on \u00fcldiselt v\u00e4hem riskantsed kui investeeringud. Hoiused on tagatud teatud summani ja teenivad kindlat intressi. Investeeringud v\u00f5ivad aga kaotsi minna ja nende v\u00e4\u00e4rtus v\u00f5ib v\u00e4heneda v\u00f5i kaduda.\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=”1_3″ saved_specialty_column_type=”2_3″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Likviidsus” content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h5″ header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”18px” body_font=”Poppins|300|||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

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Jooksvatel hoiusekontodel on teil lihtne juurdep\u00e4\u00e4s oma rahale. T\u00e4htajaliste hoiuste puhul v\u00f5ib aga t\u00e4htajast varasem v\u00e4lja v\u00f5tmine olla keeruline- enamasti on tingimuseks kogutud intressi kaotus. Investeeringute likviidsus on erinev. M\u00f5nest investeerimisfondist v\u00f5i aktsiast v\u00f5ib olla lihtne v\u00e4lja saada, teiste puhul v\u00f5ib see olla keerulisem.<\/p>\n

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Hoiused teenivad tavaliselt madalamat intressi kui investeeringud. Investeeringud v\u00f5ivad potentsiaalselt pakkuda k\u00f5rgemat tootlust, seda nii v\u00e4\u00e4rtuse kasvu kui ka dividendide n\u00e4ol, kuid on ka riskantsemad.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.19.0″ _module_preset=”default” text_font=”Nunito|700|||||||” text_text_color=”#171717″ text_font_size=”22px” text_line_height=”30px” custom_margin=”||18px||false|false” custom_padding=”||15px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” border_width_bottom=”1px” border_color_bottom=”rgba(53,86,191,0.2)” global_colors_info=”{}”]<\/p>\n

Selles artklis leiad vastuse k\u00fcsimustele:<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins||||||||” text_text_color=”#171717″ text_font_size=”15px” link_option_url=”#hoius1″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Mis on hoius?<\/p>\n

<\/b><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins||||||||” text_text_color=”#171717″ text_font_size=”15px” link_option_url=”#hoius2″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Millised on hoiuste alaliigid?<\/p>\n

<\/b><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins||||||||” text_text_color=”#171717″ text_font_size=”15px” link_option_url=”#hoius3″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Millised on hoiusega teenimine strateegiad?<\/p>\n

<\/b><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins||||||||” text_text_color=”#171717″ text_font_size=”15px” link_option_url=”#hoius4″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Mis on hoiustega seotud riskid?<\/p>\n

<\/b><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Poppins||||||||” text_text_color=”#171717″ text_font_size=”15px” link_option_url=”#hoius5″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Mis on hoiuse eelised ja miinused?<\/p>\n

<\/b><\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font=”Poppins||||||||” text_text_color=”#171717″ text_font_size=”15px” link_option_url=”#hoius6″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Artiklid<\/p>\n

<\/b><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” background_color=”#f6f8ff” global_colors_info=”{}”][et_pb_row module_id=”hoius2″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Mis on hoiuste alaliigid?” content_max_width=”100%” module_id=”aktsia2″ _builder_version=”4.27.2″ _module_preset=”default” header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”22px” body_font=”Poppins||||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.19.0″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Jooksev hoius (n\u00f5udmiseni hoius)” content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h5″ header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”18px” body_font=”Poppins|300|||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

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N\u00f5udmiseni hoius<\/a> on hoius, millelt saate oma raha igal ajal v\u00e4lja v\u00f5tta. Jooksevad hoiused teenivad tavaliselt madalamat intressi kui t\u00e4htajalised hoiused.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_blurb][et_pb_blurb title=”T\u00e4htajaline hoius” content_max_width=”100%” _builder_version=”4.27.4″ _module_preset=”default” header_level=”h5″ header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”18px” body_font=”Poppins|300|||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

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T\u00e4htajaline hoius<\/a> on hoius, millele hoiustate raha kindlaksm\u00e4\u00e4ratud perioodiks, n\u00e4iteks kuueks kuuks v\u00f5i aastaks. T\u00e4htajaliste hoiuste puhul on intressim\u00e4\u00e4r tavaliselt k\u00f5rgem kui jooksvatel hoiusetel. Varasema v\u00e4lja v\u00f5tmisega v\u00f5ib aga kaasneda teenitud intressist ilma j\u00e4\u00e4mine.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Investeerimishoius” content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h5″ header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”18px” body_font=”Poppins|300|||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

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See on t\u00e4htajaline hoiustoode, mis \u00fchendab hoiuse ja investeerimise omadusi. Investeerimishoius v\u00f5ib pakkuda potentsiaalselt k\u00f5rgemat tootlust kui tavalised hoiused, kuid on ka riskantsem. Selle hoiuse liigi puhul s\u00f5ltub intress v\u00e4\u00e4rtpaberi, valuuta, v\u00f5i m\u00f5ne muu instrumendi v\u00e4\u00e4rtusest.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#f6f8ff” next_background_color=”#f6f8ff” _builder_version=”4.27.2″ _module_preset=”default” top_divider_style=”wave2″ bottom_divider_style=”ramp2″ global_colors_info=”{}”][et_pb_row module_id=”hoius3″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Hoiustega raha teenimine ja seotud strateegiad” content_max_width=”100%” module_id=”aktsia3″ _builder_version=”4.27.2″ _module_preset=”default” header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”22px” body_font=”Poppins||||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.19.0″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”1. Intressim\u00e4\u00e4rade v\u00f5rdlemine” content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_level=”h5″ header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”18px” body_font=”Poppins|300|||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

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