{"id":502,"date":"2024-04-15T19:36:28","date_gmt":"2024-04-15T19:36:28","guid":{"rendered":"https:\/\/fundguidr.ee\/?page_id=502"},"modified":"2025-09-14T12:34:36","modified_gmt":"2025-09-14T12:34:36","slug":"vol-books","status":"publish","type":"page","link":"https:\/\/fundguidr.ee\/en\/vol-books\/","title":{"rendered":"Bonds"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.19.0″ _module_preset=”default” background_color=”#f6f8ff” background_image=”https:\/\/fundguidr.ee\/wp-content\/uploads\/2022\/11\/BG-28.png” background_size=”initial” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.0″ _module_preset=”default” width=”90%” custom_css_main_element=”position: unset;” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” custom_css_main_element=”position: unset;” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Nunito|700|||||||” text_text_color=”#171717″ text_font_size=”36px” text_line_height=”50px” text_orientation=”center” custom_margin=”||0px||false|false” text_font_size_tablet=”30px” text_font_size_phone=”24px” text_font_size_last_edited=”on|phone” text_line_height_tablet=”45px” text_line_height_phone=”35px” text_line_height_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

V\u00f5lakirjad<\/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=”v\u00f5lakiri1″ _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 v\u00f5lakirjad?” 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

Ettev\u00f5tted ja riigid vajavad aeg-ajalt lisakapitali. Kuigi laenuv\u00f5tmine on enamikele meist tuttav kontseptsioon, pakub investeerimismaailm p\u00f5nevat v\u00f5imalust – olla ise laenuandja ja teenida sellest kasu. Siin tulevad m\u00e4ngu v\u00f5lakirjad.<\/p>\n

Lihtsustatult \u00f6eldes on v\u00f5lakirjad v\u00f5\u00f5rkapitalil p\u00f5hinevad v\u00e4\u00e4rtpaberid. Ostes v\u00f5lakirja laenate te tegelikult raha v\u00e4lja emiteerinud osapoolele – olgu selleks siis riik v\u00f5i ettev\u00f5te. Vastutasuks antud laenule saate investorina regulaarset intressimakset ja laenuperioodi l\u00f5ppedes tagasi ka laenatud p\u00f5hisumma. See muudab v\u00f5lakirja atraktiivseks investeerimisobjektiks neile, kes soovivad oma portfellile lisada stabiilset tulu ja teatud turvalisust.<\/p>\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

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Mis on v\u00f5lakiri?<\/p>\n

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[\/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=”#v\u00f5lakiri2″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Millised on v\u00f5lakirjade alaliigid?<\/p>\n

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[\/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=”#v\u00f5lakiri3″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Kuidas v\u00f5lakirjadega raha teenida?<\/p>\n

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Mis on v\u00f5lakirjadega kauplemise eelised ja miinused?<\/p>\n

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Mis on v\u00f5lakirjadega seotud riskid?<\/p>\n

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[\/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=”#v\u00f5lakiri6″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Kuidas v\u00f5lakirjadega kaubela?<\/p>\n

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[\/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=”#v\u00f5lakiri7″ hover_enabled=”0″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Artiklid<\/p>\n

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[\/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=”v\u00f5lakiri2″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Millised on v\u00f5lakirjade alaliigid?” 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

Erinevad kategooriad aitavad orienteeruda ja teha teadlikke investeerimisotsuseid. J\u00e4rgnevalt oleme toonud v\u00e4lja \u00fcldisemad kategooriad.\u00a0<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Emitendi j\u00e4rgi liigitus:” 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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[\/et_pb_blurb][et_pb_blurb title=”Riigiv\u00f5lakirjad” 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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Valitsuste emiteeritud v\u00f5lakirjad on tuntud madalama riskiga investeeringuna. Need on tagatud riigi maksev\u00f5imega, seega on t\u00f5en\u00e4osus maksej\u00f5uetuseks v\u00e4ike. Samas tasuvad riigiv\u00f5lakirjad \u00fcldiselt ka madalamat intressi v\u00f5rreldes teiste kategooriatega.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/et_pb_blurb][et_pb_blurb title=”Ettev\u00f5tete v\u00f5lakirjad” 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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Ettev\u00f5tted emiteerivad v\u00f5lakirju lisakapitali kaasamiseks. Need v\u00f5lakirjad v\u00f5ivad pakkuda k\u00f5rgemat intressi v\u00f5rreldes riigiv\u00f5lakirjadega, kuid on seotud ka suurema riskiga. Emitendi finantsiline stabiilsus ja krediidiv\u00f5ime m\u00e4\u00e4ravad suuresti nii intressim\u00e4\u00e4ra kui ka investeeringu riski.<\/p>\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_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Intressim\u00e4\u00e4ra p\u00f5him\u00f5tte j\u00e4rgi:” 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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[\/et_pb_blurb][et_pb_blurb title=”Fikseeritud intressiga v\u00f5lakirjad” 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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Investorile on garanteeritud kindel intressim\u00e4\u00e4r kogu investeerimisperioodi v\u00e4ltel. See tagab prognoositava ja stabiilse tuluvoolu.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_blurb][et_pb_blurb title=”Muutuva intressiga v\u00f5lakirjad” 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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Nende v\u00f5lakirjade intress on seotud turu intressim\u00e4\u00e4radega, n\u00e4iteks EURIBORiga. See v\u00f5ib pakkuda potentsiaalselt k\u00f5rgemat tootlust, kuid kaasneb ka suurema riskiga, kuna tulud v\u00f5ivad k\u00f5ikuda.<\/p>\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_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Tagatise olemasolu j\u00e4rgi:” 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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[\/et_pb_blurb][et_pb_blurb title=”Tagatud v\u00f5lakirjad” 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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Emitent tagab v\u00f5lakirja emiteerimise ajal mingi vara v\u00f5i tulude vooga (n\u00e4iteks kinnisvaraga). See pakub investorile lisakindlustunnet juhul, kui emitent peaks maksej\u00f5uetuks j\u00e4\u00e4ma. Tagatis v\u00f5ib m\u00f5nev\u00f5rra v\u00e4hendada potentsiaalset intressi v\u00f5rreldes tagatiseta v\u00f5lakirjadega.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/et_pb_blurb][et_pb_blurb title=”Tagatiseta v\u00f5lakirjad” 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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Need v\u00f5lakirjad ei ole tagatud emiteerinud poole vara v\u00f5i tuludega. Kuigi see v\u00f5ib t\u00e4hendada k\u00f5rgemat intressi investorile, on ka risk suurem. Juhul, kui emitent maksej\u00f5uetuks j\u00e4\u00e4b, v\u00f5ib investor kaotada nii intressi kui ka laenatud p\u00f5hisumma.<\/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″ use_custom_gutter=”on” gutter_width=”2″ specialty=”on” prev_background_color=”#f6f8ff” next_background_color=”#f6f8ff” 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” background_color=”#FFFFFF” width=”100%” max_width=”100%” inner_width=”90%” top_divider_style=”arrow3″ bottom_divider_style=”curve2″ 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=”v\u00f5lakiri3″ _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=”Kuidas v\u00f5lakirjadega raha teenida?” 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=”{}”]<\/p>\n

V\u00f5lakirjadesse investeerimisest rahalise kasu teenimine k\u00e4ib kahe p\u00f5him\u00f5ttelise strateegia kaudu:\u00a0<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner 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_inner type=”1_2″ saved_specialty_column_type=”2_3″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Intress” 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 k\u00f5ige traditsioonilisem viis v\u00f5lakirjadega raha teenida. V\u00f5lakirja intressim\u00e4\u00e4r on fikseeritud investeerimise alguses ning seda makstakse investorile perioodiliselt v\u00e4lja (tavaliselt kord kvartalis v\u00f5i aasta peale).<\/p>\n

Intressi suurus s\u00f5ltub mitmest faktorist, sh emitendi krediidiv\u00f5ime, v\u00f5lakirja t\u00e4htajast ja turuolukorrast. Riigiv\u00f5lakirjad pakuvad \u00fcldiselt madalamat intressi, kuid on ka madalama riskiga. Ettev\u00f5tete v\u00f5lakirjad v\u00f5ivad pakkuda k\u00f5rgemat intressi, kuid on seotud ka suurema riskiga.<\/p>\n

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[\/et_pb_blurb][\/et_pb_column_inner][et_pb_column_inner type=”1_2″ saved_specialty_column_type=”2_3″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Kapitalikasv j\u00e4relturul” 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||||||||” 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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Kuigi v\u00f5lakirja nominaalv\u00e4\u00e4rtus (laenatud summa) on fikseeritud, toimib v\u00f5lakirjadega kauplemine sarnaselt aktsiatega j\u00e4relturul.<\/p>\n

V\u00f5lakirja hind v\u00f5ib k\u00f5rgemale v\u00f5i madalamale liikuda vastavalt n\u00f5udlusele ja pakkumisele. See v\u00f5imaldab osaval investoril osta v\u00f5lakirja madalama hinnaga ja m\u00fc\u00fca hiljem kallimalt, teenides kapitalikasvu.<\/p>\n

Siiski tuleb arvestada, et v\u00f5lakirjade puhul on kapitalikasvu potentsiaal \u00fcldiselt madalam v\u00f5rreldes aktsiatega.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/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_image src=”https:\/\/images.pexels.com\/photos\/5668484\/pexels-photo-5668484.jpeg?auto=compress&cs=tinysrgb&w=1260&h=750&dpr=1″ alt=”aktsiad” title_text=”aktsiad” _builder_version=”4.27.2″ _module_preset=”default” custom_margin=”||||true|false” custom_padding=”||||false|false” global_colors_info=”{}”][\/et_pb_image][\/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=”v\u00f5lakiri4″ _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=”V\u00f5lakirjadesse investeerimise eelised ja miinused” content_max_width=”100%” _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

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Siin on l\u00fchike \u00fclevaade v\u00f5lakirjadesse investeerimise eelistest ja miinustest.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/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_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Nunito|700|||||||” text_text_color=”#171717″ text_font_size=”20px” header_4_font_size=”16px” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”]<\/p>\n

Eelised<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_font=”Nunito|700|||||||” text_text_color=”#171717″ text_font_size=”20px” header_4_font_size=”16px” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” locked=”off” global_colors_info=”{}”]<\/p>\n

Miinused<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.19.0″ _module_preset=”default” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Stabiilne tuluvool” use_icon=”on” font_icon=”P||divi||400″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

V\u00f5lakirjadest saadav regulaarne intress pakub investoritele stabiilset ja prognoositavat tuluvoogu. See on eriti oluline neile investoritele, kes soovivad oma sissetulekut kindlustada.<\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Madalam risk v\u00f5rreldes aktsiatega” use_icon=”on” font_icon=”P||divi||400″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

\u00dcldiselt on v\u00f5lakirjad aktsiatest v\u00e4hem riskantsemad investeeringud. Emitendi krediidiv\u00f5ime hindamine ja kategooriate valimine aitavad riski veelgi maandada.<\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Diversifitseerimine” use_icon=”on” font_icon=”P||divi||400″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

V\u00f5lakirjad aitavad investoritel oma portfelli mitmekesistada, v\u00e4hendades aktsiaturuga seotud volatiilsuse m\u00f5ju.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Madalam tootluspotentsiaal v\u00f5rreldes aktsiatega” use_icon=”on” font_icon=”O||divi||400″ icon_color=”gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

V\u00f5lakirjade intressim\u00e4\u00e4rad on tavaliselt madalamad kui aktsiate dividendid v\u00f5i aktsiate hinnapotentsiaal pikemas perspektiivis.<\/span><\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Intressi risk” use_icon=”on” font_icon=”O||divi||400″ icon_color=”gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

Turu intressim\u00e4\u00e4rade t\u00f5us v\u00f5ib v\u00f5lakirjade hindu langetada, eriti kui tegemist on muutuva intressiga v\u00f5lakirjadega.<\/span><\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Inflatsioon” use_icon=”on” font_icon=”O||divi||400″ icon_color=”gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

Inflatsioon v\u00e4hendab v\u00f5lakirjade intressi reaalset v\u00e4\u00e4rtust aja jooksul.<\/p>\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” background_color=”#FFFFFF” top_divider_style=”ramp2″ bottom_divider_style=”mountains2″ global_colors_info=”{}”][et_pb_row module_id=”v\u00f5lakiri5″ _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=”V\u00f5lakirjadesse investeerimisega kaasnevad riskid: oluline on olla teadlik” content_max_width=”100%” _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

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V\u00f5lakirjad on tuntud oma suhtelise stabiilsuse poolest investeerimisinstrumentide seas, kuid see ei t\u00e4henda, et need oleksid t\u00e4iesti riskivabad. Enne v\u00f5lakirjadesse investeerimist on oluline olla teadlik potentsiaalsetest ohuteguritest:<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.19.0″ _module_preset=”default” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Emitendi maksej\u00f5uetuse risk” use_icon=”on” font_icon=”s||divi||400″ icon_color=”gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

See on \u00fcks peamisi riske v\u00f5lakirjadesse investeerides. Kui v\u00f5lakirja emiteerinud riik v\u00f5i ettev\u00f5te satub maksej\u00f5uetusse, v\u00f5ib investor kaotada nii regulaarsed intressimaksed kui ka laenatud p\u00f5hisumma. Ehkki riigiv\u00f5lakirjade puhul on see risk v\u00e4ike, on see siiski olemas. Ettev\u00f5tete v\u00f5lakirjade puhul s\u00f5ltub maksej\u00f5uetuse t\u00f5en\u00e4osus emitendi finantssf\u00e4\u00e4rist. Krediidireitinguagentuurid hindavad emitentide krediidiv\u00f5imet ja omistavad neile krediidireitinguid, mis aitavad investoril hinnata riski.<\/p>\n

[\/et_pb_blurb][et_pb_blurb title=”Intressirisk” use_icon=”on” font_icon=”s||divi||400″ icon_color=”gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

Turu intressim\u00e4\u00e4rad v\u00f5ivad muutuda. Kui intressim\u00e4\u00e4rad \u00fcldiselt t\u00f5usevad, siis v\u00f5lakirjade hinnad tavaliselt langevad. See v\u00f5ib p\u00f5hjustada kahjumit, kui investor otsustab enne v\u00f5lakirja l\u00f5ppt\u00e4htaega m\u00fc\u00fca. Fikseeritud intressiga v\u00f5lakirjad on v\u00e4hem m\u00f5jutatud intressiriski k\u00f5ikumistest, kuna investor saab alguses kokkulepitud intressi kogu investeerimisperioodi v\u00e4ltel.<\/p>\n

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[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Inflatsioonirisk” use_icon=”on” font_icon=”s||divi||400″ icon_color=”gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85″ icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

Inflatsioon on hindade \u00fcldise t\u00f5usutrendi majanduses. Kui v\u00f5lakirjade intress on fikseeritud, v\u00f5ib inflatsioon erodeerida v\u00f5lakirja tootlust aja jooksul. N\u00e4iteks, kui inflatsioon on 5% ja v\u00f5lakirja intress on 3%, siis investeeringu reaalne tootlus on negatiivne (-2%).<\/p>\n

[\/et_pb_blurb][et_pb_image src=”https:\/\/fundguidr.ee\/wp-content\/uploads\/2024\/06\/pexels-photo-4200739.jpeg” alt=”v\u00f5lakirjad” title_text=”v\u00f5lakirjad” _builder_version=”4.27.2″ _module_preset=”default” width=”78%” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” background_color=”#f6f8ff” bottom_divider_color=”#f6f8ff” global_colors_info=”{}”][et_pb_row module_id=”v\u00f5lakiri6″ _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=”V\u00f5lakirjade ostmine ja m\u00fc\u00fcmine: kuidas kaubelda” content_max_width=”100%” _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

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V\u00f5lakirjadega kauplemine on potentsiaalselt tulus investeerimisstrateegia, kuid see ei ole riskivaba. Enne investeerimist on oluline omandada vajalikud teadmised ja arvestada oma finantsolukorraga.<\/p>\n

V\u00f5lakirjad pakuvad investoritele v\u00f5imalust teenida raha kahel p\u00f5hiviisil, millest \u00fcks on teenuse osutamine ja teine turuplatsil m\u00e4ngimine.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.19.0″ _module_preset=”default” custom_padding=”||0px||false|false” locked=”off” 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. Teenuse osutamine emitendile e v\u00f5lakirja ostmine:” icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

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  • Laenu andmine:<\/b>\u00a0Ostes v\u00f5lakirja laenate Teie tegelikult raha v\u00e4lja riigile v\u00f5i ettev\u00f5ttele (emitent). See on teenus, mida investor emitendile osutab.<\/span><\/li>\n
  • Intress tasuna:<\/b>\u00a0Vastutasuks laenu eest teenite regulaarset intressi. Intressi suurus on tavaliselt fikseeritud ja makstakse perioodiliselt v\u00e4lja (n\u00e4iteks kord kvartalis v\u00f5i aasta peale).<\/span><\/li>\n
  • Laenu tagasisaamine:<\/b>\u00a0Laenuperioodi l\u00f5ppedes saate tagasi ka algselt investeeritud summa. See tagab investeeringu turvalisuse, erinevalt aktsiatest, mille v\u00e4\u00e4rtus v\u00f5ib k\u00f5vasti k\u00f5igutada.<\/span><\/li>\n<\/ul>\n

    [\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”2. V\u00f5lakirjade j\u00e4relturul m\u00e4ngimine:” icon_placement=”left” image_icon_width=”20px” content_max_width=”100%” icon_placement_tablet=”top” icon_placement_phone=”top” icon_placement_last_edited=”on|tablet” module_class=”educationcareerdetail_section2_blurb” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Poppins||||||||” header_text_color=”#171717″ header_font_size=”15px” header_line_height=”1.3em” body_font=”|300|||||||” body_text_color=”#000000″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” custom_css_blurb_image=”margin-bottom: 0;||width: auto;” custom_css_blurb_title=”padding-bottom: 0;” custom_css_blurb_content=”display: flex;||align-items: center;” global_colors_info=”{%22gcid-4be89a11-e1d4-4e38-bd60-3e2564590e85%22:%91%22icon_color%22%93}” custom_css_blurb_image_tablet=”margin-bottom: 5px;||width: auto;” custom_css_blurb_image_last_edited=”on|tablet” custom_css_blurb_content_tablet=”display: block;” custom_css_blurb_content_last_edited=”on|tablet” custom_css_blurb_image_phone=”margin-bottom: 5px;||width: auto;” custom_css_blurb_content_phone=”display: block;”]<\/p>\n

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    • V\u00f5lakirjade j\u00e4relturg:<\/b>\u00a0Kuigi v\u00f5lakirjadel on emiteerimise ajal kindel laenuperiood, toimib nendega kauplemine j\u00e4relturul sarnaselt aktsiatega.<\/span><\/li>\n
    • Hinna k\u00f5ikumine:<\/b>\u00a0V\u00f5lakirja hind k\u00f5igub vastavalt n\u00f5udlusele ja pakkumisele turul. See loob v\u00f5imaluse osaval investoril osta v\u00f5lakirja madalama hinnaga ja m\u00fc\u00fca hiljem kallimalt, teenides kapitalikasvu.<\/span><\/li>\n
    • Risk ja potentsiaal:<\/b>\u00a0V\u00f5rreldes intressiga on see viis k\u00fcllalti riskantsem, kuid pakub ka potentsiaalselt k\u00f5rgemat tootlust.<\/span><\/li>\n<\/ul>\n

      [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.0″ _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 content_max_width=”100%” _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

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      • Investeerimiskonto avamine:<\/b>\u00a0V\u00f5lakirjade ostmiseks vajate investeerimiskontot maaklerfirma juures.<\/span><\/li>\n
      • V\u00f5lakirja valik:<\/b>\u00a0Uurige ja valige endale sobiv v\u00f5lakirja liik, arvestades oma riskitaluvust, tootluse ootust ja investeerimiseesm\u00e4rke.<\/span><\/li>\n
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        Ostu tellimuse esitamine:<\/b>\u00a0Oma maakleri vahendusel saate esitada ostu tellimuse valitud v\u00f5lakirjale, t\u00e4psustades koguse ja hinna.<\/span><\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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        [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.0″ _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 content_max_width=”100%” _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

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        Lisaks:<\/b><\/p>\n

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        • Investeerimishorisont:<\/b>\u00a0M\u00f5elge oma investeerimishorisondile – kas plaanite hoida v\u00f5lakirja kuni l\u00f5ppt\u00e4htajani v\u00f5i m\u00fc\u00fca varem j\u00e4relturul.<\/span><\/li>\n
        • Tehingukulud:<\/b>\u00a0Arvestage v\u00f5lakirjade ostmise ja m\u00fc\u00fcmisega kaasnevate tehingukuludega.<\/span><\/li>\n<\/ul>\n

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

          Milline viis teile v\u00f5iks sobib?<\/b><\/p>\n

          V\u00f5lakirjade valikul ja strateegia loomisel tuleb arvestada oma investeerimiseesm\u00e4rke ja riskitaluvust.<\/span><\/p>\n

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            Sissetuleku kindlustamine:<\/b>\u00a0Kui soovite stabiilset sissetulekut intressimaksete n\u00e4ol, sobivad fikseeritud intressiga v\u00f5lakirjad.<\/span><\/p>\n<\/li>\n

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            Kapitali kasvatamine:<\/b>\u00a0Kui olete valmis suurema riski v\u00f5tma, v\u00f5ib sobida j\u00e4relturul kauplemine potentsiaalse kapitalikasvu eesm\u00e4rgil.<\/span><\/p>\n<\/li>\n

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            Portfelli mitmekesistamine:<\/b>\u00a0V\u00f5lakirjad aitavad investoritel oma portfelli mitmekesistada, v\u00e4hendades aktsiaturuga seotud volatiilsuse m\u00f5ju.<\/span><\/p>\n<\/li>\n<\/ul>\n

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            [\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.4″ _module_preset=”default”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_blurb title=”Valik meie artiklitest” content_max_width=”100%” _builder_version=”4.27.4″ _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” hover_enabled=”0″ text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″ url=”#v\u00f5lakiri7″][\/et_pb_blurb][brbl_post_list _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” include_categories=”1″ order=”DESC” show_excerpt=”off” thumb_size=”medium” hover_enabled=”0″ sticky_enabled=”0″][\/brbl_post_list][et_pb_button button_text=”Veel artikleid” _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” button_url=”https:\/\/fundguidr.ee\/blog\/” button_alignment=”right” custom_button=”on” button_text_color=”#000000″ hover_enabled=”0″ sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

            V\u00f5lakirjadEttev\u00f5tted ja riigid vajavad aeg-ajalt lisakapitali. Kuigi laenuv\u00f5tmine on enamikele meist tuttav kontseptsioon, pakub investeerimismaailm p\u00f5nevat v\u00f5imalust – olla ise laenuandja ja teenida sellest kasu. Siin tulevad m\u00e4ngu v\u00f5lakirjad. Lihtsustatult \u00f6eldes on v\u00f5lakirjad v\u00f5\u00f5rkapitalil p\u00f5hinevad v\u00e4\u00e4rtpaberid. Ostes v\u00f5lakirja laenate te tegelikult raha v\u00e4lja emiteerinud osapoolele – olgu selleks siis riik v\u00f5i ettev\u00f5te. Vastutasuks antud laenule […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-502","page","type-page","status-publish","hentry"],"rank_math_title":null,"rank_math_focus_keyword":"v\u00f5lakirjad","rank_math_description":"Mis on v\u00f5lakirjad? Millised on v\u00f5lakirjade liigid? Kuidas nendega raha teenida? Mis on seotud riskid, eelised ja puudused? Kuidas kaubelda","_links":{"self":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/pages\/502","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/comments?post=502"}],"version-history":[{"count":12,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/pages\/502\/revisions"}],"predecessor-version":[{"id":2479,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/pages\/502\/revisions\/2479"}],"wp:attachment":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media?parent=502"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}