{"id":110536,"date":"2026-02-18T03:37:19","date_gmt":"2026-02-18T03:37:19","guid":{"rendered":"https:\/\/www.europesays.com\/ee\/110536\/"},"modified":"2026-02-18T03:37:19","modified_gmt":"2026-02-18T03:37:19","slug":"hoiuste-kuldaeg-on-moodas-kas-hakkame-nagema-alternatiivseid-rahapaigutusi","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ee\/110536\/","title":{"rendered":"Hoiuste kuldaeg on m\u00f6\u00f6das, kas hakkame n\u00e4gema alternatiivseid rahapaigutusi?"},"content":{"rendered":"<p>Viimastel aastatel on hoiuste intressim\u00e4\u00e4rad Eestis oluliselt langenud. Kui veel 2023. aasta l\u00f5pus maksti kuni 12-kuuliste t\u00e4htajaliste hoiuste eest eraisikutele keskmiselt \u00fcle 4% intressi ja pikemaajaliste hoiuste eest isegi kuni 4,44%, siis n\u00fc\u00fcd on pilt hoopis teine. T\u00e4naseks on 12-kuulise t\u00e4htajalise hoiuse intress langenud umbes 1,8% tasemele. Paratamatult ajendab see k\u00fcsima, kas hoiused on endiselt atraktiivne koht raha hoidmiseks v\u00f5i tasub vaadata ka alternatiive? Turu\u00fcleselt n\u00e4eme, et ehkki hoiustajad on asunud otsima suurema tootlusega v\u00f5imalusi, on rotatsioon v\u00e4hemalt seni tagasihoidlik. Selle kinnituseks on hoiuste mahud.<\/p>\n","protected":false},"excerpt":{"rendered":"Viimastel aastatel on hoiuste intressim\u00e4\u00e4rad Eestis oluliselt langenud. Kui veel 2023. aasta l\u00f5pus maksti kuni 12-kuuliste t\u00e4htajaliste hoiuste&hellip;\n","protected":false},"author":2,"featured_media":110537,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[14],"tags":[131,130,37,33,35,34,36,14218,52417,8325,8326,38029,8178,2703],"class_list":["post-110536","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ari","tag-ari","tag-business","tag-ee","tag-eesti","tag-eesti-keel","tag-estonia","tag-estonian","tag-hoiused","tag-hoiuste-intressimaarad","tag-ii-pensionisammas","tag-iii-pensionisammas","tag-noudmiseni-hoius","tag-tahtajaline-hoius","tag-volakirjad"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ee\/116089549200027766","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/110536","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/comments?post=110536"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/posts\/110536\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media\/110537"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/media?parent=110536"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/categories?post=110536"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ee\/wp-json\/wp\/v2\/tags?post=110536"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}