{"id":2042,"date":"2024-11-20T09:16:20","date_gmt":"2024-11-20T09:16:20","guid":{"rendered":"https:\/\/fundguidr.ee\/?p=2042"},"modified":"2026-01-02T22:12:15","modified_gmt":"2026-01-02T22:12:15","slug":"investing-in-a-recession","status":"publish","type":"post","link":"https:\/\/fundguidr.ee\/en\/investment-wisdom\/investing-in-a-recession\/","title":{"rendered":"Investing in a downturn: opportunities and threats"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6f8ff&#8221; background_image=&#8221;https:\/\/fundguidr.ee\/wp-content\/uploads\/2022\/11\/BG-28.png&#8221; background_size=&#8221;initial&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; custom_css_main_element=&#8221;position: unset;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; custom_css_main_element=&#8221;position: unset;&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; next_background_color=&#8221;#f6f8ff&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; bottom_divider_style=&#8221;ramp2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row module_id=&#8221;hoius2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb content_max_width=&#8221;100%&#8221; module_id=&#8221;aktsia2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">&#8220;Olge ahned, kui teised kardavad, ja kartke, kui teised on ahned.&#8221; See Warren Buffetti kuulus tsitaat peegeldab h\u00e4sti investeerimise olemust majanduslanguse ajal. Kuigi majanduslangus tekitab ebakindlust ja hirmu, pakub see ka ainulaadseid v\u00f5imalusi investoritele, kes suudavad rahu s\u00e4ilitada ja teha ratsionaalseid otsuseid.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selles artiklis uurime l\u00e4hemalt, milliseid v\u00e4ljakutseid ja v\u00f5imalusi investeerimine majanduslanguse ajal v\u00f5ib pakkuda. Vaatleme majanduslanguse m\u00f5ju investeeringutele, arutame ps\u00fchholoogia rolli ja tutvustame erinevaid investeerimisstrateegiaid. Lisaks anname praktilisi n\u00f5uandeid, kuhu investeerida ja mida v\u00e4ltida majanduslanguse ajal.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f6f8ff&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; module_id=&#8221;hoius3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Mis on majanduslangus ja millised m\u00e4rgid sellele viitavad? &#8221; content_max_width=&#8221;100%&#8221; module_id=&#8221;aktsia3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Majanduslangus on periood, mil majandusaktiivsus m\u00e4rkimisv\u00e4\u00e4rselt v\u00e4heneb. Sellega kaasneb tavaliselt SKP langus, t\u00f6\u00f6puuduse kasv ja inflatsiooni aeglustumine v\u00f5i isegi deflatsioon. Kuidas aga teada saada, et majanduslangus on tulemas? Kuigi majandusts\u00fcklite ennustamine on keeruline, on mitmeid m\u00e4rke, millele tasub t\u00e4helepanu p\u00f6\u00f6rata:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aktsiaturu langus:<\/b><span style=\"font-weight: 400;\"> Aktsiaturg reageerib sageli majanduslangusele enne, kui see ametlikult v\u00e4lja kuulutatakse. J\u00e4rsk ja p\u00fcsiv aktsiaturu langus v\u00f5ib olla m\u00e4rk sellest, et majandus on h\u00e4das.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>T\u00f6\u00f6puuduse kasv:<\/b><span style=\"font-weight: 400;\"> Kui <span style=\"color: #160000;\"><a href=\"https:\/\/maaleht.delfi.ee\/artikkel\/120317614\/toopuudus-hakkab-vaikselt-kahanema-kuid-mitte-igas-sektoris\" style=\"color: #160000;\" target=\"_blank\" rel=\"noopener\">t\u00f6\u00f6puudus<\/a><\/span> hakkab kasvama, on see m\u00e4rk sellest, et majandus aeglustub ja ettev\u00f5tted koondavad t\u00f6\u00f6tajaid.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tarbijate kindlustunde langus:<\/b><span style=\"font-weight: 400;\"> Kui tarbijad on majanduse suhtes pessimistlikud, siis v\u00e4hendavad nad oma kulutusi, mis omakorda aeglustab majanduskasvu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Intressim\u00e4\u00e4rade muutused:<\/b><span style=\"font-weight: 400;\"> Keskpangad v\u00f5ivad majanduslanguse vastu v\u00f5itlemiseks langetada <a href=\"https:\/\/euribor.ee\/\" target=\"_blank\" rel=\"noopener\">intressim\u00e4\u00e4rasid<\/a>. Seega v\u00f5ivad intressim\u00e4\u00e4rade langused olla m\u00e4rk sellest, et majandus on h\u00e4das.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kinnisvaraturu aeglustumine:<\/b><span style=\"font-weight: 400;\"> Kinnisvaraturu aeglustumine ja hindade langus v\u00f5ivad samuti viidata majanduslangusele.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Oluline on j\u00e4lgida neid m\u00e4rke ja olla valmis majanduslanguseks. See aitab sul teha \u00f5igeid investeerimisotsuseid ja kaitsta oma portfelli majanduslanguse negatiivse m\u00f5ju eest.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/fundguidr.ee\/wp-content\/uploads\/2024\/11\/Investeerimine-majanduslanguse-ajal.webp&#8221; alt=&#8221;Investeerimine majanduslanguse ajal&#8221; title_text=&#8221;Investeerimine majanduslanguse ajal&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Kuidas majanduslangus investeeringuid m\u00f5jutab?&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Poppins|300|||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"et_pb_with_border et_pb_module et_pb_blurb et_pb_blurb_4  et_pb_text_align_left  et_pb_blurb_position_top et_pb_bg_layout_light\">\n<div class=\"et_pb_blurb_content\">\n<div class=\"et_pb_blurb_container\">\n<div class=\"et_pb_blurb_description\">\n<p><span style=\"font-weight: 400;\">Majanduslangus m\u00f5jutab erinevaid varaklasse erinevalt:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aktsiad:<\/b><span style=\"font-weight: 400;\"> Majanduslanguse ajal langeb tavaliselt <a href=\"https:\/\/fundguidr.ee\/aktsiad\/\">aktsiaturg<\/a>, kuna ettev\u00f5tete kasumid v\u00e4henevad ja investorid m\u00fc\u00fcvad oma aktsiaid. See v\u00f5ib viia suurte kaotusteni l\u00fchiajaliste investorite jaoks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00f5lakirjad:<\/b><span style=\"font-weight: 400;\"> V\u00f5lakirjad on tavaliselt majanduslanguse ajal stabiilsemad kui aktsiad, kuna need pakuvad fikseeritud tulu. Siiski v\u00f5ivad ka v\u00f5lakirjade hinnad langeda, kui intressim\u00e4\u00e4rad t\u00f5usevad.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kinnisvara:<\/b><span style=\"font-weight: 400;\"> Kinnisvaraturg on tavaliselt majanduslanguse ajal aeglane, kuna n\u00f5udlus eluasemete j\u00e4rele v\u00e4heneb. See v\u00f5ib viia kinnisvara hindade languseni.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">N\u00e4iteks 2008. aasta finantskriisi ajal langes S&amp;P 500 indeks ligi 57%. Samal ajal langesid ka kinnisvara hinnad paljudes riikides. See n\u00e4itab, et majanduslangus v\u00f5ib avaldada m\u00e4rkimisv\u00e4\u00e4rset negatiivset m\u00f5ju investeeringutele.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Ps\u00fchholoogia roll&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Poppins|300|||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"et_pb_with_border et_pb_module et_pb_blurb et_pb_blurb_4  et_pb_text_align_left  et_pb_blurb_position_top et_pb_bg_layout_light\">\n<div class=\"et_pb_blurb_content\">\n<div class=\"et_pb_blurb_container\">\n<div class=\"et_pb_blurb_description\">\n<p><span style=\"font-weight: 400;\">Majanduslanguse ajal on investoritel oluline hoida rahu ja v\u00e4ltida emotsionaalseid otsuseid. Hirm ja paanika v\u00f5ivad viia irratsionaalsete investeerimisotsusteni, mis v\u00f5ivad kaasa tuua suuri kaotusi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">K\u00e4itumuslik finantsteadus uurib, kuidas ps\u00fchholoogilised tegurid m\u00f5jutavad investorite otsuseid. N\u00e4iteks on leitud, et investorid kipuvad m\u00fc\u00fcma aktsiaid paanika ajal, kui hinnad langevad, ja ostma aktsiaid eufooria ajal, kui hinnad t\u00f5usevad. See on aga sageli vale strateegia, kuna see viib selleni, et investorid ostavad kallilt ja m\u00fc\u00fcvad odavalt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Majanduslanguse ajal on oluline meeles pidada, et aktsiaturg on ts\u00fckliline. Langusperioodidele j\u00e4rgnevad alati t\u00f5usud. Kui suudad <a href=\"https:\/\/fundguidr.ee\/uncategorized\/investeerimispsuhholoogia-2\/\">rahu s\u00e4ilitada<\/a> ja teha ratsionaalseid otsuseid, siis v\u00f5id majanduslangusest isegi kasu l\u00f5igata.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#f6f8ff&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; top_divider_style=&#8221;curve2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row module_id=&#8221;hoius3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Investeerimisstrateegiad majanduslanguse ajal&#8221; content_max_width=&#8221;100%&#8221; module_id=&#8221;aktsia3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Investeerimine majanduslanguse ajal v\u00f5ib olla tulus, kuid on veelgi olulisem valida sobiv investeerimisstrateegia. Siin on m\u00f5ned strateegiad, mis v\u00f5ivad majanduslanguse ajal edukad olla:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00e4\u00e4rtusinvesteerimine:<\/b><span style=\"font-weight: 400;\"> V\u00e4\u00e4rtusinvesteerimine keskendub alahinnatud aktsiate leidmisele. Majanduslanguse ajal langevad paljude ettev\u00f5tete aktsiahinnad, mis loob v\u00f5imalusi v\u00e4\u00e4rtusinvesteeringuteks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Dividendiaktsiad:<\/b><span style=\"font-weight: 400;\"> Dividendiaktsiad maksavad investoritele regulaarselt dividende. See annab investoritele stabiilse tuluvoo, mis on majanduslanguse ajal eriti v\u00e4\u00e4rtuslik.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pikaajaline investeerimine:<\/b><span style=\"font-weight: 400;\"> Majanduslangus on ajutine n\u00e4htus. Kui investeerid pikaajaliselt, siis ei pea sa muretsema l\u00fchiajaliste turuk\u00f5ikumiste p\u00e4rast.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Lisaks on oluline hajutada oma investeeringuid erinevatesse varaklassidesse ja sektoritesse. See aitab v\u00e4hendada riski ja kaitsta sinu portfelli majanduslanguse negatiivse m\u00f5ju eest.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Kuhu majanduslanguse ajal investeerida?&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Poppins|300|||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Majanduslanguse ajal on m\u00f5ned sektorid, mis v\u00f5ivad paremini toime tulla kui teised. N\u00e4iteks:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tarbekaupade sektor:<\/b><span style=\"font-weight: 400;\"> Inimesed vajavad majanduslanguse ajal ikkagi toitu, riideid ja muid esmatarbekaupu. Seega on tarbekaupade sektor tavaliselt majanduslanguse ajal stabiilne.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tervishoid:<\/b><span style=\"font-weight: 400;\"> Tervishoiuteenused on alati n\u00f5utud, olenemata majanduse olukorrast. Seega on tervishoiusektor tavaliselt majanduslanguse ajal hea investeering.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tehnoloogia:<\/b><span style=\"font-weight: 400;\"> Tehnoloogiasektor on viimastel aastatel kiiresti kasvanud ja see trend eeldatavasti j\u00e4tkub. Seega on tehnoloogiasektor majanduslanguse ajal potentsiaalselt hea investeering.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lisaks aktsiatele v\u00f5id majanduslanguse ajal investeerida ka kulda ja v\u00f5lakirjadesse. Kuld on traditsiooniline turvaline varjupaik majanduslanguse ajal, kuna selle v\u00e4\u00e4rtus kipub t\u00f5usma, kui investorid otsivad turvalisemaid investeeringuid. V\u00f5lakirjad pakuvad fikseeritud tulu ja on tavaliselt majanduslanguse ajal stabiilsemad kui aktsiad.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/images.pexels.com\/photos\/267350\/pexels-photo-267350.jpeg?auto=compress&#038;cs=tinysrgb&#038;w=1260&#038;h=750&#038;dpr=1&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; width=&#8221;70%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_blurb title=&#8221;Mida majanduslanguse ajal v\u00e4ltida?&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Poppins|300|||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"et_pb_with_border et_pb_module et_pb_blurb et_pb_blurb_4  et_pb_text_align_left  et_pb_blurb_position_top et_pb_bg_layout_light\">\n<div class=\"et_pb_blurb_content\">\n<div class=\"et_pb_blurb_container\">\n<div class=\"et_pb_blurb_description\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<p><span style=\"font-weight: 400;\">Majanduslanguse ajal on oluline v\u00e4ltida j\u00e4rgmisi vigu:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Paanika m\u00fc\u00fcmine:<\/b><span style=\"font-weight: 400;\"> Kui aktsiaturg langeb, siis on ahvatlev oma aktsiad maha m\u00fc\u00fca. See on aga sageli vale strateegia, kuna see viib selleni, et m\u00fc\u00fcte odavalt ja ostate kallilt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Liigne riskimine:<\/b><span style=\"font-weight: 400;\"> Majanduslanguse ajal on oluline olla ettevaatlik ja mitte v\u00f5tta liigseid riske. V\u00e4ldi spekulatiivseid investeeringuid ja keskendu pikaajalisele investeerimisele.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>L\u00fchiajaline spekulatsioon:<\/b><span style=\"font-weight: 400;\"> Majanduslanguse ajal on raske turgu ajastada. V\u00e4ldi l\u00fchiajalist spekulatsiooni ja keskendu pikaajalisele investeerimisele.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; prev_background_color=&#8221;#FFFFFF&#8221; next_background_color=&#8221;#FFFFFF&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F6F8FF&#8221; top_divider_style=&#8221;wave2&#8243; bottom_divider_style=&#8221;ramp2&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_row module_id=&#8221;hoius3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Investeerimine majanduslanguse ajal- n\u00e4ited minevikust&#8221; content_max_width=&#8221;100%&#8221; module_id=&#8221;aktsia3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Ajalugu on n\u00e4idanud, et majanduslanguse ajal investeerimine v\u00f5ib olla tulus, kui teha seda targalt. Siin on m\u00f5ned n\u00e4ited minevikust:<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;2008. aasta finantskriis: \u00d5ppetunnid investoritele&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Poppins|300|||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<div class=\"et_pb_with_border et_pb_module et_pb_blurb et_pb_blurb_4  et_pb_text_align_left  et_pb_blurb_position_top et_pb_bg_layout_light\">\n<div class=\"et_pb_blurb_content\">\n<div class=\"et_pb_blurb_container\">\n<div class=\"et_pb_blurb_description\">\n<p><span style=\"font-weight: 400;\"><\/span><\/p>\n<p><span style=\"font-weight: 400;\">2008. aasta finantskriis oli \u00fcks raskemaid majanduskriise ajaloos. See sai alguse USA kinnisvaraturu kokkuvarisemisest ja levis kiiresti \u00fcle kogu maailma. Kriisi tagaj\u00e4rjel langesid aktsiaturud j\u00e4rsult, pangad varisesid kokku ja majanduskasv aeglustus m\u00e4rkimisv\u00e4\u00e4rselt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S&amp;P 500 indeks langes 2008. aastal ligi 57%. See oli investoritele raske aeg, aga see pakkus ka v\u00e4\u00e4rtuslikke \u00f5ppetunde. N\u00e4iteks sai selgeks, et:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Diversifitseerimine on oluline:<\/b><span style=\"font-weight: 400;\"> Investorid, kes olid oma investeeringud hajutanud erinevatesse varaklassidesse, said kriisist paremini l\u00e4bi.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pikaajaline perspektiiv on oluline:<\/b><span style=\"font-weight: 400;\"> Investorid, kes paanitsesid ja m\u00fc\u00fcsid oma aktsiad maha, kaotasid raha. Need, kes j\u00e4id rahulikuks ja investeerisid pikaajaliselt, said l\u00f5puks oma kaotused tasa teha ja teenida head tulu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Riskide juhtimine on oluline:<\/b><span style=\"font-weight: 400;\"> Investorid peavad olema teadlikud riskidest, mis on seotud erinevate investeeringutega. Kriisi ajal on oluline olla ettevaatlik ja mitte v\u00f5tta liigseid riske.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">2008. <\/span>aasta finantskriis n\u00e4itas, et majanduslangus v\u00f5ib olla raske aeg investoritele. Siiski on oluline meeles pidada, et majanduslangus on ajutine n\u00e4htus. Kui suudad rahu s\u00e4ilitada ja teha ratsionaalseid otsuseid, siis v\u00f5id majanduslangusest isegi kasu l\u00f5igata.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;2020. aasta koroonapandeemia ja selle m\u00f5ju finantsturgudele&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h5&#8243; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;18px&#8221; body_font=&#8221;Poppins|300|||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">2020. aasta alguses tabas maailma koroonapandeemia, mis t\u00f5i kaasa enneolematu majanduskriisi. Valitsused kehtestasid piiranguid, et piirata viiruse levikut, mis omakorda aeglustas majanduskasvu ja t\u00f5i kaasa aktsiaturgude languse.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">S&amp;P 500 indeks langes 2020. aasta m\u00e4rtsis ligi 34%. See oli investoritele hirmutav aeg, aga turg taastus seej\u00e4rel kiiresti, osaliselt t\u00e4nu valitsuste ja keskpankade toetusmeetmetele.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2020. aasta kriis n\u00e4itas, et majanduslangus v\u00f5ib olla ootamatu ja et sellel v\u00f5ivad olla erinevad p\u00f5hjused. Siiski on oluline meeles pidada, et majanduslangus on ajutine n\u00e4htus ja et aktsiaturg taastub l\u00f5puks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Investorid, kes j\u00e4id 2020. aasta kriisi ajal rahulikuks ja investeerisid pikaajaliselt, said head tulu. See n\u00e4itab, et majanduslanguse ajal on oluline hoida rahu ja v\u00e4ltida emotsionaalseid otsuseid.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row module_id=&#8221;hoius3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Kokkuv\u00f5tteks&#8221; content_max_width=&#8221;100%&#8221; module_id=&#8221;aktsia3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;Nunito|700|||||||&#8221; header_text_color=&#8221;#171717&#8243; header_font_size=&#8221;22px&#8221; body_font=&#8221;Poppins||||||||&#8221; body_text_color=&#8221;#171717&#8243; custom_margin=&#8221;||25px||false|false&#8221; text_orientation_tablet=&#8221;center&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">Majanduslangus on raske aeg investoritele, aga see pakub ka v\u00f5imalusi. Oluline on hoida rahu, v\u00e4ltida emotsionaalseid otsuseid ja valida sobiv investeerimisstrateegia. Majanduslanguse ajal on m\u00f5ned sektorid, mis v\u00f5ivad paremini toime tulla kui teised. Lisaks aktsiatele v\u00f5id investeerida ka kulda ja v\u00f5lakirjadesse.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pea meeles, et majanduslangus on ajutine n\u00e4htus. Kui investeerid <a href=\"https:\/\/fundguidr.ee\/uncategorized\/investeerimisstrateegiad-eluetappidele\/\">pikaajaliselt<\/a>, siis ei pea sa muretsema l\u00fchiajaliste turuk\u00f5ikumiste p\u00e4rast.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Loodame, et see artikkel andis sulle hea \u00fclevaate sellest, milliseid v\u00f5imalusi ja riske v\u00f5ib pakkuda investeerimine majanduslanguse ajal ja inspireeris sind rasketes oludes rahu s\u00e4ilitama ja v\u00f5imalusi leidma.<\/span><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Olge ahned, kui teised kardavad, ja kartke, kui teised on ahned.&#8221; See Warren Buffetti kuulus tsitaat peegeldab h\u00e4sti investeerimise olemust majanduslanguse ajal. Kuigi majanduslangus tekitab ebakindlust ja hirmu, pakub see ka ainulaadseid v\u00f5imalusi investoritele, kes suudavad rahu s\u00e4ilitada ja teha ratsionaalseid otsuseid. Selles artiklis uurime l\u00e4hemalt, milliseid v\u00e4ljakutseid ja v\u00f5imalusi investeerimine majanduslanguse ajal v\u00f5ib pakkuda. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2044,"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":[],"class_list":["post-2042","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investeerimistarkus"],"rank_math_title":null,"rank_math_focus_keyword":"investeerimine,v\u00f5imalused,ohud","rank_math_description":"Kuigi investeerimine majanduslanguse ajal tekitab ebakindlust ja hirmu, pakub see ka ainulaadseid v\u00f5imalusi investoritele tulu teenimiseks","_links":{"self":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/2042","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=2042"}],"version-history":[{"count":8,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/2042\/revisions"}],"predecessor-version":[{"id":2875,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/2042\/revisions\/2875"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media\/2044"}],"wp:attachment":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media?parent=2042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/categories?post=2042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/tags?post=2042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}