{"id":147,"date":"2024-03-28T18:48:51","date_gmt":"2024-03-28T18:48:51","guid":{"rendered":"https:\/\/fundguidr.ee\/?p=147"},"modified":"2026-01-02T22:16:27","modified_gmt":"2026-01-02T22:16:27","slug":"setting-investment-benchmarks","status":"publish","type":"post","link":"https:\/\/fundguidr.ee\/en\/investment-wisdom\/setting-investment-benchmarks\/","title":{"rendered":"Defining investment objectives and timeframe"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; min_height=&#8221;743px&#8221; custom_padding=&#8221;||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title meta=&#8221;off&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; title_font=&#8221;Montserrat||||||||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;65%&#8221; width_tablet=&#8221;65%&#8221; width_phone=&#8221;85%&#8221; width_last_edited=&#8221;on|phone&#8221; max_width=&#8221;1539px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimine algab eesm\u00e4rkide seadmisest\u00a0<\/span><\/h1>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimine on p\u00f5nev teekond mis v\u00f5ib viia sind finantsilise vabaduse ja kindlustatud tuleviku poole. Tee on k\u00fcll p\u00f5nev, aga enne kui esimese sammu astud, on \u00fcks oluline element veel puudu &#8211; sihtkoht. Kuhu sa tegelikult soovid j\u00f5uda? Mille jaoks sa investeerid? Eesm\u00e4rkide selge formuleerimine on investeerimise edu nurgakivi.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rkide p\u00f5hjalikult l\u00e4bi m\u00f5tlemine aitab s\u00e4ilitada motivatsiooni ja teha teadlikke valikuid investeerimisstrateegia loomisel. See ei ole ainult soov saada rikkaks vaid selge plaan selle saavutamiseks. J\u00e4rgnevalt uurimegi p\u00f5hjalikumalt, miks on investeerimiseesm\u00e4rkide seadmine nii oluline ning milliseid eesm\u00e4rke saad sa endale seada.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(215,119,234,0.55) 0%|rgba(41,196,169,0.83) 100%&#8221; width_tablet=&#8221;&#8221; width_phone=&#8221;89%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;4vw||4vw||true|false&#8221; custom_margin_tablet=&#8221;4vw||4vw||true|false&#8221; custom_margin_phone=&#8221;4vw||4vw||true|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;||||false|false&#8221; border_radii=&#8221;on|3vw|3vw|3vw|3vw&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;1vw|4vw|1vw|4vw|true|true&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><span style=\"font-weight: 400;\">Miks on investeerimiseesm\u00e4rkide seadmine oluline?<\/span><\/h1>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimiseesm\u00e4rkide seadmine on \u00e4\u00e4rmiselt oluline mitmel p\u00f5hjusel:<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: left;\"><strong>1. Selgus ja motivatsioon:<\/strong><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rkide selge formuleerimine aitab sul paremini m\u00f5ista, mille nimel sa investeerid. See annab sulle selge suuna ja hoiab motivatsiooni k\u00f5rgel ka keerulistel aegadel. Teades t\u00e4pselt, mida sa saavutada tahad, on sul lihtsam vastu panna kiusatusele raha enneaegselt kulutada.<\/span><\/p>\n<h3 style=\"text-align: left;\"><strong>2. J\u00e4lgimine ja edu m\u00f5\u00f5tmine:<\/strong><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Ilma eesm\u00e4rkideta on raske hinnata oma investeeringute edu. Kui sul on aga selged eesm\u00e4rgid, saad oma edusamme regulaarselt j\u00e4lgida ja m\u00f5\u00f5ta. See annab sulle v\u00e4\u00e4rtuslikku tagasisidet oma investeerimisstrateegia kohta ja aitab vajadusel teha kohandusi.<\/span><\/p>\n<h3 style=\"text-align: left;\"><strong>3. \u00d5ige investeerimisstrateegia valik:<\/strong><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimiseesm\u00e4rgid aitavad sul valida \u00f5ige investeerimisstrateegia. Erinevad investeerimisviisid sobivad paremini erinevate eesm\u00e4rkide saavutamiseks. N\u00e4iteks kui sinu eesm\u00e4rk on pensioniks s\u00e4\u00e4stmine, vajad sa teistsugust strateegiat kui oma eluaseme ostmiseks kogumise puhul.<\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/h3>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; custom_margin=&#8221;13vw|4vw||4vw|false|true&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: left;\"><strong>4. Fookuse s\u00e4ilitamine:<\/strong><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimismaailm on t\u00e4is ahvatlusi ja kiusatusi. Eesm\u00e4rkide olemasolu aitab sul aga fookust s\u00e4ilitada ja p\u00fcsida oml rajal. Kui teed investeerimisotsuseid, arvestades alati oma eesm\u00e4rkidega, on v\u00e4iksem t\u00f5en\u00e4osus, et teed impulsiivseid v\u00f5i l\u00e4bim\u00f5tlemata valikuid.<\/span><\/p>\n<h3 style=\"text-align: left;\"><strong>5. Rahulikum investeerimiskogemus:<\/strong><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rkide seadmine aitab luua rahulikuma investeerimiskogemuse. Teades, et sul on plaan ja sa oled \u00f5igel teel, on sul v\u00e4hem stressi ja \u00e4revust turu k\u00f5ikumiste osas.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">L\u00fchidalt \u00f6eldes on investeerimiseesm\u00e4rkide seadmine edu saavutamiseks h\u00e4davajalik. See annab sulle selge suuna, aitab teha teadlikke valikuid ja hoiab motivatsiooni k\u00f5rgel. Investeerimiseesm\u00e4rkide seadmine on esimene samm teekonnal finantsilise vabaduse ja kindlustatud tuleviku poole.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon_divider divider_font_icon=&#8221;&#x3b;||divi||400&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; _i=&#8221;0&#8243; _address=&#8221;0.3.0.0&#8243; \/][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; min_height=&#8221;743px&#8221; custom_padding=&#8221;||||false|false&#8221; custom_css_main_element=&#8221;font-size: calc(3em + 2vw) !important||  &#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;65%&#8221; width_tablet=&#8221;65%&#8221; width_phone=&#8221;85%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text content_tablet=&#8221;<\/p>\n<h1 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Investeerimiseesm\u00e4rkide T\u00fc\u00fcbid <\/span><\/h1>\n<p><span style=%22font-weight: 400;%22><\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Investeerimiseesm\u00e4rgid v\u00f5ib \u00fcldiselt liigitada kolme p\u00f5hikategooriasse: l\u00fchiajalised, keskmise pikkusega ja pikaajalised. Iga\u00fchel neist on erinevad ajahorisondid ja see m\u00f5jutab ka investeerimisstrateegia valikut.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<h3 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>L\u00fchiajalised eesm\u00e4rgid (kuni 3 aastat)<\/span><\/h3>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Need on tavaliselt v\u00e4iksemad eesm\u00e4rgid, mille saavutamiseks on vaja v\u00e4hem aega, tavaliselt kuni kolm aastat. L\u00fchiajaliste investeeringute puhul on oluline kapitali s\u00e4ilitamine ja v\u00e4hese riskiga investeerimisviiside kasutamine. N\u00e4iteks v\u00f5ib l\u00fchiajaline eesm\u00e4rk olla puhkusereisi raha kogumine v\u00f5i erakorralise fondi loomine.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<h3 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Keskmise pikkusega eesm\u00e4rgid (3-10 aastat)<\/span><\/h3>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Need eesm\u00e4rgid h\u00f5lmavad tavaliselt keskmisi summasid ja nende saavutamiseks on aega 3 kuni 10 aastat. Keskmise pikkusega investeeringute puhul on aktsepteeritav m\u00f5\u00f5dukas riskitaseme ja kasvupotentsiaaliga investeerimisviiside kasutamine. Sellisteks eesm\u00e4rkideks v\u00f5ib olla lapse hariduse jaoks s\u00e4\u00e4stmine v\u00f5i suurema kodu soetamine.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<h3 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Pikaajalised eesm\u00e4rgid (\u00fcle 10 aasta)<\/span><\/h3>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Pikaajalised eesm\u00e4rgid on tavaliselt seotud suurte summadega ja nende saavutamiseks kulub rohkem kui 10 aastat. Pikaajaliste investeeringute puhul on v\u00f5imalik v\u00f5tta k\u00f5rgemat riski, sest pikk aeg aitab turu k\u00f5ikumisi tasandada. N\u00e4iteks on pikaajaline eesm\u00e4rk pensioniks s\u00e4\u00e4stmine v\u00f5i varase pensionile minekuks raha kogumine.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>See liigitus on lihtsustatud ja tegelikkuses v\u00f5ib sul olla kombinatsioon erinevatest eesm\u00e4rkidest. N\u00e4iteks v\u00f5id sa s\u00e4\u00e4sta nii l\u00fchiajalise puhkuse kui ka pikaajalise pensioni jaoks samaaegselt. Oluline on oma eesm\u00e4rgid selgelt l\u00e4bi m\u00f5elda ja valida nende saavutamiseks sobivad investeerimisviisid.<\/span><\/p>\n<p>&#8221; content_phone=&#8221;<\/p>\n<h1 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Investeerimiseesm\u00e4rkide T\u00fc\u00fcbid <\/span><\/h1>\n<p><span style=%22font-weight: 400;%22><\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Investeerimiseesm\u00e4rgid v\u00f5ib \u00fcldiselt liigitada kolme p\u00f5hikategooriasse: l\u00fchiajalised, keskmise pikkusega ja pikaajalised. Iga\u00fchel neist on erinevad ajahorisondid ja see m\u00f5jutab ka investeerimisstrateegia valikut.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<h3 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>L\u00fchiajalised eesm\u00e4rgid (kuni 3 aastat)<\/span><\/h3>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Need on tavaliselt v\u00e4iksemad eesm\u00e4rgid, mille saavutamiseks on vaja v\u00e4hem aega, tavaliselt kuni kolm aastat. L\u00fchiajaliste investeeringute puhul on oluline kapitali s\u00e4ilitamine ja v\u00e4hese riskiga investeerimisviiside kasutamine. N\u00e4iteks v\u00f5ib l\u00fchiajaline eesm\u00e4rk olla puhkusereisi raha kogumine v\u00f5i erakorralise fondi loomine.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<h3 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Keskmise pikkusega eesm\u00e4rgid (3-10 aastat)<\/span><\/h3>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Need eesm\u00e4rgid h\u00f5lmavad tavaliselt keskmisi summasid ja nende saavutamiseks on aega 3 kuni 10 aastat. Keskmise pikkusega investeeringute puhul on aktsepteeritav m\u00f5\u00f5dukas riskitaseme ja kasvupotentsiaaliga investeerimisviiside kasutamine. Sellisteks eesm\u00e4rkideks v\u00f5ib olla lapse hariduse jaoks s\u00e4\u00e4stmine v\u00f5i suurema kodu soetamine.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<h3 style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Pikaajalised eesm\u00e4rgid (\u00fcle 10 aasta)<\/span><\/h3>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>Pikaajalised eesm\u00e4rgid on tavaliselt seotud suurte summadega ja nende saavutamiseks kulub rohkem kui 10 aastat. Pikaajaliste investeeringute puhul on v\u00f5imalik v\u00f5tta k\u00f5rgemat riski, sest pikk aeg aitab turu k\u00f5ikumisi tasandada. N\u00e4iteks on pikaajaline eesm\u00e4rk pensioniks s\u00e4\u00e4stmine v\u00f5i varase pensionile minekuks raha kogumine.<\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22><\/span><\/p>\n<p style=%22text-align: justify;%22><span style=%22font-weight: 400;%22>See liigitus on lihtsustatud ja tegelikkuses v\u00f5ib sul olla kombinatsioon erinevatest eesm\u00e4rkidest. N\u00e4iteks v\u00f5id sa s\u00e4\u00e4sta nii l\u00fchiajalise puhkuse kui ka pikaajalise pensioni jaoks samaaegselt. Oluline on oma eesm\u00e4rgid selgelt l\u00e4bi m\u00f5elda ja valida nende saavutamiseks sobivad investeerimisviisid.<\/span><\/p>\n<p>&#8221; content_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; header_font_size=&#8221;3vw&#8221; header_font_size_tablet=&#8221;3vw&#8221; header_font_size_phone=&#8221;6vw&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimiseesm\u00e4rkide T\u00fc\u00fcbid\u00a0<\/span><\/h1>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimiseesm\u00e4rgid v\u00f5ib \u00fcldiselt liigitada kolme p\u00f5hikategooriasse: l\u00fchiajalised, keskmise pikkusega ja pikaajalised. Iga\u00fchel neist on erinevad ajahorisondid ja see m\u00f5jutab ka investeerimisstrateegia valikut.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">L\u00fchiajalised eesm\u00e4rgid (kuni 3 aastat)<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Need on tavaliselt v\u00e4iksemad eesm\u00e4rgid, mille saavutamiseks on vaja v\u00e4hem aega, tavaliselt kuni kolm aastat. L\u00fchiajaliste investeeringute puhul on oluline kapitali s\u00e4ilitamine ja v\u00e4hese riskiga investeerimisviiside kasutamine. N\u00e4iteks v\u00f5ib l\u00fchiajaline eesm\u00e4rk olla puhkusereisi raha kogumine v\u00f5i erakorralise fondi loomine.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Keskmise pikkusega eesm\u00e4rgid (3-10 aastat)<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Need eesm\u00e4rgid h\u00f5lmavad tavaliselt keskmisi summasid ja nende saavutamiseks on aega 3 kuni 10 aastat. Keskmise pikkusega investeeringute puhul on aktsepteeritav m\u00f5\u00f5dukas riskitaseme ja kasvupotentsiaaliga investeerimisviiside kasutamine. Sellisteks eesm\u00e4rkideks v\u00f5ib olla lapse hariduse jaoks s\u00e4\u00e4stmine v\u00f5i suurema kodu soetamine.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Pikaajalised eesm\u00e4rgid (\u00fcle 10 aasta)<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Pikaajalised eesm\u00e4rgid on tavaliselt seotud suurte summadega ja nende saavutamiseks kulub rohkem kui 10 aastat. Pikaajaliste investeeringute puhul on v\u00f5imalik v\u00f5tta k\u00f5rgemat riski, sest pikk aeg aitab turu k\u00f5ikumisi tasandada. N\u00e4iteks on pikaajaline eesm\u00e4rk pensioniks s\u00e4\u00e4stmine v\u00f5i varase pensionile minekuks raha kogumine.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See liigitus on lihtsustatud ja tegelikkuses v\u00f5ib sul olla kombinatsioon erinevatest eesm\u00e4rkidest. N\u00e4iteks v\u00f5id sa s\u00e4\u00e4sta nii l\u00fchiajalise puhkuse kui ka pikaajalise pensioni jaoks samaaegselt. Oluline on oma eesm\u00e4rgid selgelt l\u00e4bi m\u00f5elda ja valida nende saavutamiseks sobivad investeerimisviisid.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_icon_divider divider_font_icon=&#8221;&#x3b;||divi||400&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; _i=&#8221;1&#8243; _address=&#8221;1.0.0.1&#8243; \/][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;69%&#8221; width_tablet=&#8221;69%&#8221; width_phone=&#8221;86%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;42px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><span style=\"font-weight: 400;\">SMART eesm\u00e4rkide seadmise p\u00f5him\u00f5te\u00a0<\/span><\/h1>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Nagu eelnevalt mainitud, on investeerimiseesm\u00e4rkide seadmisel \u00e4\u00e4rmiselt oluline, et need oleksid selged ja m\u00f5\u00f5detavad. Selleks on kasulik rakendada SMART eesm\u00e4rkide seadmise p\u00f5him\u00f5tet. SMART koosneb j\u00e4rgmistest p\u00f5him\u00f5tetest:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">S &#8211; Specific (Spetsiifiline)<\/span><\/h3>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rk peaks olema t\u00e4pselt defineeritud ja arusaadav. Mida sa t\u00e4pselt saavutada tahad?<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">M &#8211; Measurable (M\u00f5\u00f5detav)<\/span><\/h3>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rk peaks olema m\u00f5\u00f5detav, et saaksid oma edusamme j\u00e4lgida. Kas sul on selge kriteerium, mille j\u00e4rgi hindad edu?<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">A &#8211; Attainable (Saavutatav)<\/span><\/h3>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rk peaks olema realistlik ja saavutatav. Kas sul on olemas vajalikud vahendid ja ressursid eesm\u00e4rgi saavutamiseks?<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">R &#8211; Relevant (Asjakohane)<\/span><\/h3>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rk peaks olema koosk\u00f5las sinu v\u00e4\u00e4rtuste ja pikaajaliste plaanidega. Kas see eesm\u00e4rk on sinu jaoks t\u00f5eliselt oluline?<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h3><span style=\"font-weight: 400;\">T &#8211; Time-bound (Ajas piiratud)<\/span><\/h3>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Eesm\u00e4rgil peaks olema kindel t\u00e4htaeg. Millal sa tahad eesm\u00e4rgi saavutada?<\/span><\/p>\n<p style=\"text-align: justify;\">\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: left;\"><\/h1>\n<h4 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">N\u00e4ide SMART eesm\u00e4rgist investeerimises:<\/span><\/h4>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p style=\"text-align: justify;\"><b>Eesm\u00e4rk:<\/b><span style=\"font-weight: 400;\"> Koguda 3 aasta jooksul 10 000 eurot oma esimese kodu sissemakse jaoks.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See eesm\u00e4rk on spetsiifiline, m\u00f5\u00f5detav, saavutatav, asjakohane ja ajaliselt piiratud. See annab selge suuna ja aitab j\u00e4lgida edusamme.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">SMART eesm\u00e4rkide seadmise p\u00f5him\u00f5tte rakendamine aitab sul luua selged ja saavutatavad investeerimiseesm\u00e4rgid. See annab sulle suurema kindlustunde ja aitab saavutada oma finantseesm\u00e4rke.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon_divider divider_font_icon=&#8221;&#x3b;||divi||400&#8243; _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; _i=&#8221;0&#8243; _address=&#8221;1.2.0.0&#8243; \/][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(182,86,216,0.6) 1%|rgba(41,196,169,0.86) 100%&#8221; width=&#8221;69%&#8221; width_tablet=&#8221;69%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;1vw||2vw||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; border_radii=&#8221;on|3vw|3vw|3vw|3vw&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_2_text_color=&#8221;#FFFFFF&#8221; header_2_font_size=&#8221;27px&#8221; header_3_text_color=&#8221;#FFFFFF&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;2vw|3vw|2vw|3vw|true|true&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;8vw&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: left;\"><span style=\"font-weight: 400;\">N\u00e4ited investeerimiseesm\u00e4rkidest\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: left;\"><span style=\"font-weight: 400;\">Suurema sissetuleku loomine passiivsete investeeringute abil<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Sellesse eesm\u00e4rki v\u00f5ib kuuluda investeerimine dividende maksvatele <a href=\"https:\/\/fundguidr.ee\/aktsiad\/\">aktsiatele<\/a>, kinnisvara \u00fc\u00fcrileandmine v\u00f5i <a href=\"https:\/\/fundguidr.ee\/p2p-laenud\/\">peer-to-peer laenamine<\/a>. Passiivsed investeeringud aitavad sul teenida lisasissetulekut, ilma et peaks selleks igap\u00e4evaselt t\u00f6\u00f6d tegema.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Suurema varanduse loomine\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See on pikaajaline eesm\u00e4rk, mille puhul on oluline investeerida <a href=\"https:\/\/www.nasdaqbaltic.com\/\" target=\"_blank\" rel=\"noopener\">kasvupotentsiaaliga<\/a> varadesse ja aktsiatesse. Varanduse loomine aitab sul saavutada finantsilist vabadust ja kindlustada oma tuleviku.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: left;\"><span style=\"font-weight: 400;\">Finantsilise turvalisuse tagamine\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See eesm\u00e4rk h\u00f5lmab erakorralise fondi loomist ja kindlustuskaitse olemasolu. Erakorraline fond aitab sul toime tulla ootamatute kulutustega ja kindlustuskaitse pakub turvalisust haiguse, t\u00f6\u00f6v\u00f5imetuse v\u00f5i surma korral.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: left;\"><span style=\"font-weight: 400;\">Reisimise ja seikluste jaoks s\u00e4\u00e4stmine<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See v\u00f5ib olla l\u00fchiajaline v\u00f5i keskmise pikkusega eesm\u00e4rk, mis aitab sul koguda raha unistuste reisi jaoks.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Pensioniks s\u00e4\u00e4stmine<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See on <a href=\"https:\/\/fundguidr.ee\/uncategorized\/investeerimisstrateegiad-eluetappidele\/\">pikaajaline eesm\u00e4rk<\/a>, mis vajab regulaarset s\u00e4\u00e4stmist ja targalt valitud investeerimisportfelli. Pensioniks s\u00e4\u00e4stmise puhul on oluline arvestada oma eeldatava pensioniea, elustiili ja rahaliste vajadustega.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Oma <span style=\"color: #ffffff;\"><a href=\"https:\/\/www.kv.ee\/\" style=\"color: #ffffff;\" target=\"_blank\" rel=\"noopener\">eluaseme<\/a><\/span> ostmine\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See on keskmise pikkusega eesm\u00e4rk, mis vajab m\u00e4rkimisv\u00e4\u00e4rse summa raha kogumist. Oma eluaseme ostmise puhul on oluline arvestada oma sissetulekute, laenuv\u00f5ime ja eluasemeturu oludega.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><\/span><\/p>\n<h3 style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Varajase pensionile minekuks s\u00e4\u00e4stmine\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">See on pikaajaline eesm\u00e4rk, mis vajab distsiplineeritud s\u00e4\u00e4stmist ja targalt valitud investeerimisstrateegiat. Varajase pensionile mineku puhul on oluline arvestada oma rahaliste vajaduste ja v\u00f5imaliku elustiili muutusega.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;65%&#8221; width_tablet=&#8221;65%&#8221; width_phone=&#8221;85%&#8221; width_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;27px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.24.2&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_font_size=&#8221;15px&#8221; header_font=&#8221;Montserrat||||||||&#8221; header_font_size=&#8221;31px&#8221; header_3_font_size=&#8221;26px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3 style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sinu investeerimiseesm\u00e4rkide teekond\u00a0<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Investeerimiseesm\u00e4rkide seadmine on teekond, mis viib finantsilise vabaduse ja kindlustatud tuleviku poole. SMART eesm\u00e4rkide seadmise p\u00f5him\u00f5tte rakendamine ja ajaraamistiku m\u00e4\u00e4ratlemine aitab luua selged ja saavutatavad eesm\u00e4rgid. Erinevad eesm\u00e4rgid vajavad erinevat investeerimisstrateegiat. Oluline on valida endale sobivad investeerimisviisid ja j\u00e4lgida regulaarselt oma edusamme. Investeerimiseesm\u00e4rkide teekond on personaalne ja see annab sulle suurep\u00e4rase v\u00f5imaluse luua endale helge tulevik.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Investeerimine algab eesm\u00e4rkide seadmisest\u00a0 Investeerimine on p\u00f5nev teekond mis v\u00f5ib viia sind finantsilise vabaduse ja kindlustatud tuleviku poole. Tee on k\u00fcll p\u00f5nev, aga enne kui esimese sammu astud, on \u00fcks oluline element veel puudu &#8211; sihtkoht. Kuhu sa tegelikult soovid j\u00f5uda? Mille jaoks sa investeerid? Eesm\u00e4rkide selge formuleerimine on investeerimise edu nurgakivi. Eesm\u00e4rkide p\u00f5hjalikult l\u00e4bi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[31],"tags":[6],"class_list":["post-147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investeerimistarkus","tag-investeerimine"],"rank_math_title":null,"rank_math_focus_keyword":"investeerimiseesm\u00e4rk","rank_math_description":"J\u00e4rgnevalt uurime, miks on investeerimiseesm\u00e4rkide seadmine nii oluline ning milliseid eesm\u00e4rke saad sa endale seada.","_links":{"self":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/types\/post"}],"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=147"}],"version-history":[{"count":11,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/147\/revisions"}],"predecessor-version":[{"id":2894,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/147\/revisions\/2894"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media\/19"}],"wp:attachment":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media?parent=147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/categories?post=147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/tags?post=147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}