\u201eIga\u00fcks v\u00f5iks kalkulaatori abil l\u00e4bi arvutada, millist panust sellise eesm\u00e4rgi saavutamine n\u00f5uab. Sageli selgub, et see ei olegi utoopia, kui teenitakse v\u00e4hemalt Eesti keskmist palka ja p\u00fcsitakse kindlalt oma plaani juures,\u201c selgitas Madisson.<\/p>\n
Kui v\u00f5tta aluseks Eesti keskmine brutopalk (2024. aasta seisuga 1981 eurot) ning arvestada, et pensionini on j\u00e4\u00e4nud 40 aastat, tuleks 5% tootluse korral igakuiselt investeerida umbes 20% sissetulekust \u2013 see teeb t\u00e4na ligikaudu 400 eurot. <\/p>\n
Kuigi maksut\u00f5usud ja inflatsioon v\u00f5ivad esmapilgul tekitada tunde, et vajalik regulaarne investeeringu summa on liiga suur, aitab hajutatud investeerimisstrateegia eesm\u00e4rki saavutada. \u201ePool vajalikust summast v\u00f5ib katta juba teine sammas, kui t\u00f5sta sissemakse 6-protsendile ja arvestada riigi 4% lisapanust. \u00dclej\u00e4\u00e4nud osa v\u00f5iks investeerida n\u00e4iteks kolmandasse sambasse,\u201c \u00fctles Madisson.<\/p>\n
\u201eKui siduda sissemaksed enda sissetuleku protsendiga ning v\u00f5tta arvestuse aluseks aastane tootlus 5% ja palgakasv 3%, v\u00f5ibki teise ja kolmanda pensionisamba koosm\u00f5jul j\u00f5uda pensionieaks miljoni eurose eesm\u00e4rgini. Samuti p\u00fcsib selline investeerimisplaan paindlik ka majandusolude muutudes,\u201c lisas ta.<\/p>\n
Kogumise alustamiseks ei pea olema kohe suuri summasid, vaid oluline on alustada olemasolevate v\u00f5imalustega ja suurendada s\u00e4\u00e4stum\u00e4\u00e4ra sissetuleku kasvades. \u201eMiljon v\u00f5ib olla motiveeriv eesm\u00e4rk, kuid t\u00e4htis on tagada pensionip\u00f5lves sissetulek, mis moodustaks v\u00e4hemalt 50\u201360% varasemast palgast,\u201c r\u00f5hutas Madisson.<\/p>\n
\u201eKui sissetulek on karj\u00e4\u00e4ri alguses v\u00e4iksem ja suurt s\u00e4\u00e4stum\u00e4\u00e4ra ei ole v\u00f5imalik saavutada, tasub siiski alustada olemasolevate v\u00f5imalustega,\u201c julgustas Madisson. See suurendab t\u00f5en\u00e4osust, et pensionip\u00f5lves on tagatud stabiilne ja piisav sissetulek.<\/p>\n
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