OMX Tallinn 3.32

994.45 0.34%

Closed 01:04 PM EST

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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

[[[1468450809000,5005.73],[1468445704000,5015.26],[1468443610000,5011.68],[1468428905000,5023.02],[1468365903000,5022.82],[1468365606000,5022.82],[1468365311000,5022.82],[1468365007000,5022.82],[1468364705000,5022.82],[1468364410000,5022.82],[1468364104000,5022.3],[1468363806000,5022.75],[1468363504000,5022],[1468363206000,5027.14],[1468362904000,5024.13],[1468362608000,5023.81],[1468362303000,5023.62],[1468362006000,5021.61],[1468361704000,5023.58],[1468361413000,5024.69],[1468361104000,5025.38],[1468360811000,5025.71],[1468360504000,5027.95],[1468360206000,5029.62],[1468359904000,5030.79],[1468359606000,5026.82],[1468359303000,5027.33],[1468359008000,5027.33],[1468358703000,5027.45],[1468358406000,5027.8],[1468358104000,5025.23],[1468357806000,5022.19],[1468357512000,5022.68],[1468357208000,5021.01],[1468356904000,5023.79],[1468356605000,5023.57],[1468356305000,5027.39],[1468356006000,5030.07],[1468355704000,5030.36],[1468355407000,5028.7],[1468355114000,5026.94],[1468354805000,5027.12],[1468354504000,5026.4],[1468354206000,5026.58],[1468353904000,5026.49],[1468353631000,5025.9],[1468353303000,5025.7],[1468353008000,5024.89],[1468352704000,5028.19],[1468352411000,5030.26]]]

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]]]

6686.86 0.09%

Closed 04:55 PM EST

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Kõik postitused

Väikelapse tulevik osa 2

7. juuli 2016

child-1051288_1280

Kaido Koorits
Rahaasjad.ee asutaja Investeerimine

See artikkel on teine osa väikelapse tuleviku kindlustamise seeriast. Eelmise osa leiad siit.

12. mail sõlmisin LHVga Kasvukonto lepingu ja kogu protsess oli võrdlemisi lihtne, kõige ajamahukam oli pakutavate fondide vahel valiku tegemine (põgusalt uurisin fondide kulumäärasid). Rohkem infot leiad siit: https://www.lhv.ee/investeerimine/kasvukonto/

Mina koostasin oma portfelli osakaalud alljärgnevalt:

MSCI Emerging Markets ETF 35%

LHV Maailma aktsiad fond 5%

S&P 500 ETF, IVV 15%

Eastern Europe ETF, L8I2 25%

China CSI300 ETF, XCHA 20%

Otsustasin peamiselt valida eurodes majandavaid fonde ja indekseid et vältida konverteerimisest tulenevaid kulusid.

Ühtlasi kandsin €150 Kasvukontole ja panin igal kvartalil püsikorralduse jooksma kasvukontole, et hoida tehingutasusid madalamal. Ideaalis oleks isegi iga 4 kuu tagant tahtnud €200 püsikorralduse teha, kuid variandid olid kas kord kvartalis või kord poolaastas, seega otsustasin esimese kasuks. Väiksemate summade korral sööksid tehingutasud liiga suure osa tootlusest ära ja kogu sellel eksperimendil poleks nii head jumet. Kui plaanid osa portfellist suunata USA indeksfondidesse, siis kindlasti sõlmi ka W-8BEN leping LHV portaalis. Leiad selle “Info ja Seaded->Lepingud”. Sel juhul jääb ära dividendide topeltmaksustamine, mis pikas perspektiivis on oluline vahe. Ühel päeval oli positiivse üllatusena mu kasvukontole saabunud esimesed dividendid IVV-lt. Ma olen suur dividendide fänn ja olen Dividend Investori eeskujul uurimas seda teemat ning lähimas tulevikus kindlasti ka dividendi ETFidesse ja aktsiatesse oma säästusid suunamas.

Hetkeseis Kasvukontol:

kasvukonto

Ühtlasi saabus veelgi suurepäraseid uudiseid, et õe perel järelkasv on suurenemas, seega onu investeeringud kasvavad orgaaniliselt. Varsti saab otse indekseid ostma hakata!

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