OMX Tallinn 3.32

994.45    0.34%

Closed 01:04 PM EST
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S&P500 0.08

2152.22    0.00%

Closed 11:00 PM EST
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NASDAQ -17.09

5005.73    -0.34%

Closed 11:00 PM EST
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OMX Vilnius 3.33

525.31    0.64%

Closed 01:00 PM EST
[[[1468414821000,525.307],[1468409181000,523.521],[1468339501000,521.98],[1468339501000,521.98],[1468339501000,521.98],[1468339501000,521.98],[1468338640000,521.98],[1468338640000,521.98],[1468338580000,522.011],[1468337980000,521.28],[1468337980000,521.28],[1468337500000,521.007],[1468337380000,521.249],[1468337020000,521.737],[1468335940000,521.035],[1468335940000,521.035],[1468335940000,521.035],[1468335340000,521.156],[1468335340000,521.156],[1468335100000,521.333],[1468334080000,521.454],[1468334080000,521.454],[1468334080000,521.454],[1468334080000,521.454],[1468333780000,521.333],[1468333480000,521.332],[1468333180000,520.968],[1468332700000,520.358],[1468332160000,520.181],[1468332160000,520.181],[1468331980000,520.302],[1468331500000,520.358],[1468331380000,519.748],[1468330060000,519.627],[1468330060000,519.627],[1468330060000,519.627],[1468330060000,519.627],[1468328320000,519.617],[1468328320000,519.617],[1468328320000,519.617],[1468328320000,519.617],[1468326040000,519.861],[1468326040000,519.861],[1468326040000,519.861],[1468326040000,519.861],[1468325980000,520.228],[1468324060000,519.984],[1468324060000,519.984],[1468324060000,519.984],[1468324060000,519.984]]]

FTSE100 6.17

6686.86    0.09%

Closed 04:55 PM EST
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Kõik postitused


Suitsu abil pensionile!

13. märts 2016
save-money-e-cigarettes


Jaak Roosaare

www.roosaare.com Investeerimine

Usun, et siinse blogi lugejate seas on ka mõni suitsumees või -naine. Täna jagan Sinuga paari ideed, kuidas saad selle halva harjumuse pöörata rahaliselt mõnusaks äraolemiseks. Esinen homme Pärnus noortele ja oma esitlust tuunides tuli meelde üks ammune näide, kuidas suitsust pensioni annab ehitada. Sellest saab lugeda ka Rikkaks saamise õpikust.

Eeldame, et pakk suitsu maksab €3.50 ja hinnad tõusevad keskmiselt 5% aastas. Minu meelest päris mõistlik eeldus. Veel eeldame, et meil kulub pakk päevas. Suitsumehed teavad rääkida, et ka see on päris mõistlik eeldus. Seega kulub meil esimesel aastal suitsude peale 1260 eurot. Jätame suitsetamise maha ja kanname iga kuu alguses 30*3,50 eraldi kontole. Ja paneme selle raha kasvama näiteks erinevate ühisrahastusportaalide vahendusel (olgu selleks siis Bondora, Omaraha, Mintos, Twino või Estate-i mehed). Kui keegi väga detailidesse tahab süveneda, siis võib kasutada ka OÜ-d investeerimiseks (suitsumees laenab raha OÜ-sse ja investeerib läbi selle).

Oleme oma tootlusootuses konservatiivsed ja eeldame keskmiseks tootluseks 10% aastas. Väikeste summadega ühisrahastusportaalides tegutsedes peaks tegelikkuses saavutama isegi paremaid tootlusi. Aga see selleks. Kui suureks meie suitsufond siis ajas kasvab?

Viie aastaga on kontole kogunenud 9265 eurot, kümne aastaga 26 745 eurot, kahekümne aastaga 112 937 eurot (suitsupakk maksaks siis ca 9 eurot!) ja kolmekümne aastaga 363 893 eurot. Kas selle rahaga kannataks pensionile minna? Hoolimata 30 aastasest inflatsioonist julgen väita, et see annab siiski paremat tootlust kui II sammas. Ja miks mitte luua endale lisaks tavalisele pensionile suitsul baseeruv IV pensionisammas?

Üks mõte veel. Käisime suvel sõpradega Raivo Heina juures Saaremaal külas. Ta oli just valmis saanud uhke väliköögi, mis maksis rohkem kui Tallinna korter. Muiates ütles Raivo, et köök on makstud kinni USA suitsumeeste poolt. Ehk siis Altria dividendidest. Seega kui tahad eriti irooniline olla, on võimalus säästetud suitsuraha investeerida ka Altria ja Philip Morrise aktsiatesse. Dividenditootlus on hetkel küll madalam kui 10% (vastavalt 3,7 ja 4,6 protsenti), kuid selle eest on need dividendid ajas kasvavad ja sinna saab kergelt mahutada ka oluliselt suuremaid summasid kui ühisrahastusse. Ja kas pole mõnus oma statistilisi lisa-aastaid rahastada teiste suitsumeeste rahadega 😉

 

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