{"id":2775,"date":"2026-01-02T21:41:10","date_gmt":"2026-01-02T21:41:10","guid":{"rendered":"https:\/\/fundguidr.ee\/?p=2775"},"modified":"2026-01-03T12:34:28","modified_gmt":"2026-01-03T12:34:28","slug":"investment-account-lock-income-tax-forward","status":"publish","type":"post","link":"https:\/\/fundguidr.ee\/en\/platforms-and-workpieces\/investment-account-lock-income-tax-forward\/","title":{"rendered":"Investment account system: how to legally defer income tax and grow your portfolio faster?"},"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; theme_builder_area=&#8221;post_content&#8221; specialty=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221;][et_pb_column type=&#8221;1_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_code _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; theme_builder_area=&#8221;post_content&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<div id=\"fundguidr-toc-wrapper\" style=\"width: 100%; clear: both;\"><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    <\/p>\n<style><!-- [et_pb_line_break_holder] -->        \/* --- 1. 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TOGGLE BUTTON CLICK<!-- [et_pb_line_break_holder] -->        $toggleBtn.on('click', function() {<!-- [et_pb_line_break_holder] -->            $tocList.slideToggle(300, function() {<!-- [et_pb_line_break_holder] -->                \/\/ Update Icon based on visibility<!-- [et_pb_line_break_holder] -->                if ($tocList.is(':visible')) {<!-- [et_pb_line_break_holder] -->                    $toggleIcon.html('&minus;'); \/\/ Minus<!-- [et_pb_line_break_holder] -->                } else {<!-- [et_pb_line_break_holder] -->                    $toggleIcon.html('&#43;');   \/\/ Plus<!-- [et_pb_line_break_holder] -->                }<!-- [et_pb_line_break_holder] -->            });<!-- [et_pb_line_break_holder] -->        });<!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] -->    });<!-- [et_pb_line_break_holder] -->    <\/script><!-- [et_pb_line_break_holder] --><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][\/et_pb_column][et_pb_column type=&#8221;2_3&#8243; specialty_columns=&#8221;2&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_row_inner module_id=&#8221;aktsia5&#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; theme_builder_area=&#8221;post_content&#8221;][et_pb_column_inner _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; saved_specialty_column_type=&#8221;2_3&#8243; theme_builder_area=&#8221;post_content&#8221;][et_pb_image src=&#8221;https:\/\/fundguidr.ee\/wp-content\/uploads\/2025\/12\/mis-on-ipo.jpg&#8221; alt=&#8221;mis on ipo&#8221; title_text=&#8221;mis on ipo&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;62%&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][et_pb_blurb content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.27.4&#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; hover_enabled=&#8221;0&#8243; 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; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kas oled kunagi m\u00f5elnud, mis on investori suurim kuluartikkel? Enamik inimesi arvab ekslikult, et need on teenustasud, fondivalitsemise tasud v\u00f5i eba\u00f5nnestunud tehingud. Kuigi ka need on olulised, on pikaajalise investori jaoks sageli suurimaks piduriks <\/span><b>maksud<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Eestis elades oleme harjunud m\u00f5ttega, et maksud on lihtsad ja automaatsed. Kuid investeerimismaailmas on meil \u00fcks haruldane eelis, mida paljudes teistes Euroopa riikides ei eksisteeri \u2013 <\/span><b>Investeerimiskonto s\u00fcsteem<\/b><span style=\"font-weight: 400;\">. See on Eesti investori salarelv, mis v\u00f5imaldab tulumaksu kohustust seaduslikult tulevikku l\u00fckata, lastes liitintressil segamatult t\u00f6\u00f6d teha.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">K\u00e4esolev artikkel on p\u00f5hjalik teejuht investeerimiskonto s\u00fcsteemi kasutamiseks 2026. aastal. Me ei r\u00e4\u00e4gi siin keerulistest juriidilistest terminitest, vaid praktilisest kasust sinu rahakotile. Vaatame samm-sammult, kuidas s\u00fcsteem t\u00f6\u00f6tab, milliseid varasid sinna osta tohib ja kuidas v\u00e4ltida levinud l\u00f5kse, mis v\u00f5ivad maksuametiga probleeme tekitada.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Mis on investeerimiskonto ja miks see on geniaalne?<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Paljud alustajad arvavad ekslikult, et &#8220;investeerimiskonto&#8221; on mingi eriline pangatoode, mida saab avada ainult spetsiaalse lepingu alusel. Tegelikkuses on investeerimiskonto tavaline arvelduskonto (IBAN), mille sina kui konto omanik oled oma tuludeklaratsioonis investeerimiskontoks m\u00e4rkinud.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">S\u00fcsteemi p\u00f5hiidee on lihtne: <\/span><b>maksustatakse ainult tarbimisse v\u00f5etud raha, mitte investeerimistegevuse k\u00e4igus teenitud kasumit.<\/b><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Tavap\u00e4rase investeerimise puhul (eraisikuna ilma investeerimiskontota) peaksid sa iga kasumliku m\u00fc\u00fcgitehingu v\u00f5i laekunud dividendi pealt j\u00e4rgmisel aastal maksma 22% (v\u00f5i vastavalt kehtivale m\u00e4\u00e4rale) tulumaksu. See t\u00e4hendab, et umbes viiendik sinu kasumist kaob koheselt ringlusest ja ei saa enam uut tulu teenida.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.emta.ee\/eraklient\/maksud-ja-tasumine\/maksustatavad-tulud\/vaartpaberid-ja-investeerimiskonto\" target=\"_blank\" rel=\"noopener\">Investeerimiskonto<\/a> s\u00fcsteemiga (IK) toimub maksustamine aga teisiti. Sa v\u00f5id osta aktsiaid, m\u00fc\u00fca neid kasumiga, saada dividende ja saadud raha uuesti investeerida \u2013 ja riik ei k\u00fcsi sellelt vahepeal sentigi tulumaksu. Maksukohustus tekib alles siis, kui sa v\u00f5tad kontolt v\u00e4lja rohkem raha, kui sa oled sinna sisse pannud.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>Liitintressi v\u00f5imendus: matemaatiline n\u00e4ide<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Et m\u00f5ista, miks tulumaksu edasil\u00fckkamine (mitte v\u00e4ltimine, vaid edasil\u00fckkamine!) on kasulik, vaatame \u00fchte lihtsustatud n\u00e4idet.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Oletame, et meil on kaks investorit, <\/span><b>Mari<\/b><span style=\"font-weight: 400;\"> ja <\/span><b>J\u00fcri<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00f5lemad alustavad 10 000 euroga.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00f5lemad teenivad igal aastal 10% tootlust.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00f5lemad reinvesteerivad kogu kasumi 20 aasta jooksul.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><b>J\u00fcri (tavaline s\u00fcsteem):<\/b><span style=\"font-weight: 400;\"> J\u00fcri ei kasuta investeerimiskontot. Iga aasta l\u00f5pus, kui ta on teeninud 10% kasumit, peab ta kasumi deklareerima ja maksma 22% tulumaksu. Seega on tema reaalne netotootlus p\u00e4rast makse 8%.<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">20 aasta p\u00e4rast on J\u00fcri portfell: <\/span><b>46 609 eurot<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><b>Mari (IJ s\u00fcsteem):<\/b><span style=\"font-weight: 400;\"> Mari kasutab investeerimiskontot. Ta teenib 10% ja reinvesteerib kogu summa, sest Maksuametile ta veel midagi maksma ei pea. Tema raha kasvab 10% aastas.<\/span><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">20 aasta p\u00e4rast on Mari portfell: <\/span><b>67 275 eurot<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kui Mari otsustab n\u00fc\u00fcd, 20. aasta l\u00f5pus, kogu raha v\u00e4lja v\u00f5tta, peab ta maksma tulumaksu teenitud kasumilt (67 275 &#8211; 10 000 = 57 275 kasumit). Maks on 22% ehk 11 455 eurot. Mari k\u00e4tte j\u00e4\u00e4b: <\/span><b>55 820 eurot<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><b>Tulemus:<\/b><span style=\"font-weight: 400;\"> Mari teenis t\u00e4nu investeerimiskontole <\/span><b>9 211 eurot rohkem<\/b><span style=\"font-weight: 400;\"> kui J\u00fcri, kuigi nad tegid t\u00e4pselt samu investeeringuid. See lisaraha tekkis sellest, et Mari hoidis maksuosa enda k\u00e4es ja see teenis talle 20 aastat lisatulu. Mida pikem on periood ja mida k\u00f5rgem tootlus, seda suurem on investeerimiskonto v\u00f5it.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Kuidas investeerimiskontoga alustada?<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Alustamine on lihtsam kui kunagi varem, sest enamik Eesti panku on oma s\u00fcsteemid teinud v\u00e4ga kasutajas\u00f5bralikuks.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>Samm 1: Eraldi konto avamine<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Esimene kuldreegel: <\/span><b>\u00e4ra kasuta investeerimiskontot igap\u00e4evasteks arveldusteks.<\/b><span style=\"font-weight: 400;\"> \u00c4ra maksa sealt kommunaalarveid ega osta toitu. See teeb raamatupidamise (deklareerimise) p\u00f5rgulikult keeruliseks.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ava oma kodupangas (LHV, Swedbank, SEB, Coop jne) uus, t\u00fchi arvelduskonto. Pane sellele nimeks n\u00e4iteks &#8220;Investeerimiskonto&#8221;. See ongi k\u00f5ik \u2013 sul ei ole vaja pangaga s\u00f5lmida mingit eraldi &#8220;investeerimiskonto lepingut&#8221;. Juriidilises m\u00f5ttes muutub see konto investeerimiskontoks hetkel, kui sa deklareerid selle tuludeklaratsioonis.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>Samm 2: Raha kandmine kontole (sissemakse)<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kanna oma tavaliselt kontolt raha uuele investeerimiskontole. See liigutus on &#8220;sissemakse&#8221;. J\u00e4ta meelde v\u00f5i pane kirja, kui palju sa sinna sisse oled kandnud. See on sinu maksuvaba baas.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>Samm 3: V\u00e4\u00e4rtpaberikonto sidumine<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Et osta aktsiaid v\u00f5i fonde, on sul vaja v\u00e4\u00e4rtpaberikontot. Ava v\u00e4\u00e4rtpaberikonto ja seo see oma uue rahakontoga (investeerimiskontoga). See t\u00e4hendab, et kui ostad aktsiaid, l\u00e4heb raha maha investeerimiskontolt, ja kui m\u00fc\u00fcd, laekub raha tagasi samale kontole.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Mida tohib IK-l hoida? (finantsvara m\u00f5iste)<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Siin l\u00e4heb asi veidi tehnilisemaks, kuid see on kriitiliselt oluline. Tulumaksuseadus lubab maksuvabastust ainult &#8220;<a href=\"https:\/\/www.lhv.ee\/et\/kkk\/investeerimiskonto\" target=\"_blank\" rel=\"noopener\">finantsvara<\/a>&#8221; soetamisel. Kui sa ostad investeerimiskonto kaudu midagi, mis ei kvalifitseeru finantsvaraks, loetakse see raha koheselt v\u00e4ljav\u00f5etuks ja sa v\u00f5id sattuda maksuv\u00f5lglaseks.<\/span><\/p>\n<p style=\"text-align: left;\"><b>Mis ON finantsvara:<\/b><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Avalikult kaubeldavad v\u00e4\u00e4rtpaberid:<\/b><span style=\"font-weight: 400;\"> Aktsiad (Apple, Tallink, <a href=\"https:\/\/fundguidr.ee\/uncategorized\/tesla-ja-elon-musk-kuulsaimad-aktsiad\/\">Tesla<\/a> jne), mis kauplevad reguleeritud b\u00f6rsidel.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Investeerimisfondide osakud:<\/b><span style=\"font-weight: 400;\"><a href=\"https:\/\/fundguidr.ee\/varaklassid\/eft-2\/\"> ETF<\/a>-id (indeksfondid), pankade pensionifondid (v.a III sammas, millel on oma s\u00fcsteem).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00f5lakirjad:<\/b><span style=\"font-weight: 400;\"> Nii riikide kui ettev\u00f5tete v\u00f5lakirjad, millega kaubeldakse avalikult.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tuletisinstrumendid:<\/b><span style=\"font-weight: 400;\"> Optsioonid ja futuurid, kui nendega kaubeldakse reguleeritud turul.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hoiused:<\/b><span style=\"font-weight: 400;\"> Investeerimiskontol hoitav raha loetakse samuti finantsvara osaks (kui see on pangas).<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><b>Mis EI OLE finantsvara (ehk ole ettevaatlik):<\/b><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00dchisrahastus (Crowdfunding):<\/b><span style=\"font-weight: 400;\"> Laenud portaalides nagu Mintos, Estateguru v\u00f5i Omaraha. Need on juriidiliselt laenulepingud, mitte v\u00e4\u00e4rtpaberid. Kui kannad raha investeerimiskontolt Estategurusse, loeb maksuamet seda &#8220;v\u00e4ljamakseks&#8221; ja sa kaotad maksueelise. <\/span><i><span style=\"font-weight: 400;\">M\u00e4rkus: M\u00f5ned portaalid pakuvad n\u00fc\u00fcd &#8220;Notes&#8221; t\u00fc\u00fcpi instrumente, mis on v\u00e4\u00e4rtpaberid, kuid kontrolli seda alati enne investeerimist.<\/span><\/i><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kr\u00fcptovaluuta:<\/b><span style=\"font-weight: 400;\"> Bitcoin, Ethereum jne. Kr\u00fcpto ei ole tulumaksuseaduse m\u00f5ttes v\u00e4\u00e4rtpaber. Kr\u00fcptoga kauplemiseks on investeerimiskonto kasutamine keeruline ja \u00fcldjuhul mittesoovitatav, kuna iga kanne kr\u00fcptoplatvormile loetakse raha v\u00e4ljav\u00f5tmiseks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kinnisvara:<\/b><span style=\"font-weight: 400;\"> Korteri ostmine ei ole finantsvara soetamine.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00e4\u00e4rismetallid:<\/b><span style=\"font-weight: 400;\"> Kuld ja h\u00f5be (f\u00fc\u00fcsilisel kujul).<\/span><\/li>\n<\/ul>\n<ol style=\"text-align: left;\" start=\"2026\">\n<li><b> aasta praktiline soovitus:<\/b><span style=\"font-weight: 400;\"> Kasuta investeerimiskontot eelk\u00f5ige b\u00f6rsiaktsiate, ETF-ide ja v\u00f5lakirjade jaoks. \u00dchisrahastuse ja kr\u00fcpto jaoks kasuta tavalist kontot ja deklareeri tulu &#8220;vana meetodi&#8221; j\u00e4rgi v\u00f5i kasuta juriidilist keha (O\u00dc-d).<\/span><\/li>\n<\/ol>\n<h2 style=\"text-align: left;\"><b>Deklareerimine: lihtsam kui sa arvad<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Paljud kardavad investeerimiskontot just deklareerimise p\u00e4rast. Tegelikult on see imelihtne, kui oled reeglitest kinni pidanud (s.t kasutanud kontot ainult investeerimiseks).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Deklareerimine toimub kord aastas (veebruaris-m\u00e4rtsis) koos tavalise <a href=\"https:\/\/www.emta.ee\/eraklient\/maksud-ja-tasumine\/tulu-deklareerimine\/deklaratsioonide-vormid-ja-nende-taitmise-juhised\" target=\"_blank\" rel=\"noopener\">tuludeklaratsiooniga<\/a>. Sa pead t\u00e4itma tabeli (tavaliselt tabel 6.5).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sinna tuleb kirja panna ainult kaks numbrit:<\/span><\/p>\n<ol style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sissemaksed:<\/b><span style=\"font-weight: 400;\"> Mitu eurot sa kandsid aasta jooksul oma palgakontolt investeerimiskontole?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>V\u00e4ljamaksed:<\/b><span style=\"font-weight: 400;\"> Mitu eurot sa kandsid investeerimiskontolt v\u00e4lja tarbimisse?<\/span><\/li>\n<\/ol>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">NB! Tehinguid (aktsia ost ja m\u00fc\u00fck) ei pea deklareerima! See ongi s\u00fcsteemi v\u00f5lu. Maksuametit ei huvita, mitu korda sa Teslat ostsid v\u00f5i m\u00fc\u00fcsid, kuni raha p\u00fcsib investeerimiskonto suletud ringis.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>Valuutakursside l\u00f5ks<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u00dcks koht, kus investorid sageli komistavad, on valuutavahetus. Kui sul on investeerimiskonto eurodes, aga sa ostad USA aktsiaid, teeb pank automaatse konverteerimise.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Aastaid tagasi oli see &#8220;hall ala&#8221;, kuid n\u00fc\u00fcd on reeglid selgemad. Siiski on k\u00f5ige puhtam ja turvalisem viis omada investeerimiskontot mitmes valuutas (multivaluuta konto). N\u00e4iteks LHV v\u00f5i Interactive Brokersi (kui seadistatud \u00f5igesti) puhul saad hoida dollareid kontol. Kui vahetad raha investeerimiskontol eurodest dollariteks, on see konto-sisene tehing ja maksu ei teki. Kui aga konverteerimine toimub &#8220;lennult&#8221; ja tekib kursivahe kasum, v\u00f5ib tekkida vajadus seda j\u00e4lgida. <\/span><b>Soovitus:<\/b><span style=\"font-weight: 400;\"> Hoia asi lihtne. Kui investeerid USA-sse, kasuta maaklerit, mis v\u00f5imaldab hoida dollarikontot, ja deklareeri see konto samuti investeerimiskontona.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>V\u00e4lismaised dividendid ja topeltmaksustamine<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">See on investeerimiskonto s\u00fcsteemi suurim miinus, millest tuleb ausalt r\u00e4\u00e4kida.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kui sa saad dividende Eesti ettev\u00f5tetelt (nt Tallinna Kaubamaja), on tulumaks ettev\u00f5tte poolt juba kinni peetud ja sina saad netosumma. Investeerimiskontole laekub see summa ja maksukohustust juurde ei teki (kuid sa ei saa ka enammakstud tulu tagasi).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Probleem tekib v\u00e4lismaiste aktsiatega (nt USA &#8211; Microsoft, Coca-Cola). USA peab reeglina kinni 15% tulumaksu (kui sul on W-8BEN vorm t\u00e4idetud). Sinu kontole laekub 85% dividendist. Kui sa kunagi tulevikus v\u00f5tad investeerimiskontolt raha v\u00e4lja, pead sa Eestis tasuma tulumaksu (22%) <\/span><i><span style=\"font-weight: 400;\">kogu<\/span><\/i><span style=\"font-weight: 400;\"> v\u00e4ljav\u00f5etavalt kasumilt.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">See t\u00e4hendab <\/span><b>topeltmaksustamist<\/b><span style=\"font-weight: 400;\">. Sa maksid 15% USA-le ja maksad hiljem 22% Eestile. Investeerimiskonto s\u00fcsteem ei v\u00f5imalda praeguse seaduse j\u00e4rgi tasaarvestada v\u00e4lismaal makstud tulumaksu. Tavalise s\u00fcsteemi (ilma investeerimiskontota) puhul saaksid sa USA-s makstud 15% Eestis maha arvestada ja maksaksid juurde vaid 5%.<\/span><\/p>\n<p style=\"text-align: left;\"><b>Kas see t\u00e4hendab, et v\u00e4lismaiseid dividendiaktsiaid ei tasu investeerimiskontol hoida?<\/b><span style=\"font-weight: 400;\"> Mitte tingimata. Kui sinu eesm\u00e4rk on pikaajaline kasv (kasvuaktsiad nagu Amazon v\u00f5i Google, mis dividende ei maksa v\u00f5i maksavad v\u00e4he), on investeerimiskonto ideaalne. Kui sinu strateegia on puhtalt k\u00f5rge dividenditootlusega USA aktsiad, on see ebaefektiivne. Siis tasub kaaluda kas tavalist deklareerimist v\u00f5i III samba kasutamist (kus kehtivad teised reeglid).<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Investeerimiskonto vs. O\u00dc (osa\u00fching)<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Edasij\u00f5udnud investorid k\u00fcsivad tihti: &#8220;Kas mul on m\u00f5ttekam investeerida eraisikuna l\u00e4bi investeerimiskonto v\u00f5i teha selleks firma?&#8221;<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Siin on kiire v\u00f5rdlus 2026. aasta seisuga:<\/span><\/p>\n<p style=\"text-align: left;\"><b>Investeerimiskonto (Eraisik)<\/b><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Plussid:<\/b><span style=\"font-weight: 400;\"> Tasuta (puuduvad asutamiskulud ja raamatupidamistasud), lihtne deklareerida, raha on sinu oma (saad igal ajal &#8220;kangi t\u00f5mmata&#8221;).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Miinused:<\/b><span style=\"font-weight: 400;\"> Piiratud varaklassid (ainult finantsvara), topeltmaksustamine v\u00e4lisdividendide puhul.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><b>Osa\u00fching (Juriidiline isik)<\/b><\/p>\n<ul style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Plussid:<\/b><span style=\"font-weight: 400;\"> Saad investeerida k\u00f5igesse (kinnisvara, kr\u00fcpto, laenud, kuld), saad kuludesse kanda arvuti, finantsajakirjanduse tellimused jms. V\u00f5imalik v\u00e4ltida topeltmaksustamist teatud tingimustel.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Miinused:<\/b><span style=\"font-weight: 400;\"> LEI koodi tasu (u 50\u20ac aastas), raamatupidamine on kohustuslik (kas teed ise v\u00f5i maksad teenuse eest), raha k\u00e4ttesaamine on keerulisem (pead maksma endale palka v\u00f5i dividende, mis toob kaasa maksud).<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><b>Rusikareegel:<\/b><span style=\"font-weight: 400;\"> Kui sinu portfell on alla 50 000 \u2013 100 000 euro ja sa investeerid peamiselt b\u00f6rsile, on investeerimiskonto lihtsam ja odavam. Kui portfell on suurem v\u00f5i tahad tegeleda kinnisvara\/kr\u00fcptoga, kaalu O\u00dc-d.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Kokkuv\u00f5te: kuidas k\u00e4ituda aastal 2026?<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Aasta 2026 pakub investoritele uusi v\u00f5imalusi intresside languse ja majanduse elavnemise tuules. Investeerimiskonto on t\u00f6\u00f6riist, mis peaks olema iga Eesti investori arsenalist.<\/span><\/p>\n<p style=\"text-align: left;\"><b>Siin on sinu tegevusplaan:<\/b><\/p>\n<ol style=\"text-align: left;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Kontrolli oma pangas:<\/b><span style=\"font-weight: 400;\"> Kas sul on eraldi konto investeeringute jaoks?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>M\u00f5tle strateegiale:<\/b><span style=\"font-weight: 400;\"> Kas plaanid osta ja hoida (Buy &amp; Hold)? Kui jah, on investeerimiskonto sinu parim s\u00f5ber.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ole t\u00e4pne:<\/b><span style=\"font-weight: 400;\"> Kanna kontole raha ainult investeerimiseks ja \u00e4ra kasuta seda igap\u00e4evasteks kuludeks.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>J\u00e4lgi, mida ostad:<\/b><span style=\"font-weight: 400;\"> Veendu, et tegemist on finantsvaraga (b\u00f6rsiaktsiad, fondid, v\u00f5lakirjad).<\/span><\/li>\n<\/ol>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Investeerimiskonto on nagu lumepalliefekt \u2013 alguses tundub maksuv\u00f5it v\u00e4ike, kuid aastatega, kui intress teenib intressi pealt tulu ilma maksuametile vahepeal l\u00f5ivu maksmata, muutub see laviiniks. \u00c4ra kingi oma tuleviku tootlust \u00e4ra \u2013 kasuta s\u00fcsteemi, mille riik on sulle loonud.<\/span><\/p>\n<p>[\/et_pb_blurb][et_pb_image src=&#8221;https:\/\/images.pexels.com\/photos\/128867\/coins-currency-investment-insurance-128867.jpeg?_gl=1*n79hkj*_ga*NjAzNjU3MTIuMTc2NzMwMzAzOA..*_ga_8JE65Q40S6*czE3NjczMDMwMzgkbzEkZzEkdDE3NjczMDM0NjEkajQ2JGwwJGgw&#8221; alt=&#8221;fintech&#8221; title_text=&#8221;fintech&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;51%&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][\/et_pb_image][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kas oled kunagi m\u00f5elnud, mis on investori suurim kuluartikkel? Enamik inimesi arvab ekslikult, et need on teenustasud, fondivalitsemise tasud v\u00f5i eba\u00f5nnestunud tehingud. Kuigi ka need on olulised, on pikaajalise investori jaoks sageli suurimaks piduriks maksud. Eestis elades oleme harjunud m\u00f5ttega, et maksud on lihtsad ja automaatsed. Kuid investeerimismaailmas on meil \u00fcks haruldane eelis, mida paljudes [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2779,"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":[82],"tags":[],"class_list":["post-2775","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-platformid-ja-tooristad"],"rank_math_title":null,"rank_math_focus_keyword":"investeerimiskonto,tulumaks,investment account,income tax","rank_math_description":"K\u00e4esolev artikkel on p\u00f5hjalik teejuht investeerimiskonto s\u00fcsteemi kasutamiseks 2026. aastal, et l\u00fckata kohustus tasuda tulumaks edasi","_links":{"self":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/2775","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=2775"}],"version-history":[{"count":9,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/2775\/revisions"}],"predecessor-version":[{"id":2945,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/posts\/2775\/revisions\/2945"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media\/2779"}],"wp:attachment":[{"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/media?parent=2775"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/categories?post=2775"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fundguidr.ee\/en\/wp-json\/wp\/v2\/tags?post=2775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}