{"id":13545,"date":"2025-12-18T15:32:00","date_gmt":"2025-12-18T15:32:00","guid":{"rendered":"https:\/\/isic.ee\/?p=13545"},"modified":"2026-02-04T15:49:03","modified_gmt":"2026-02-04T15:49:03","slug":"juuliuse-blogi-tudengipaevik-kuidas-teha-oma-isic-kaardist-isiklik-investeerimisportfell","status":"publish","type":"post","link":"https:\/\/isic.ee\/en\/kasulikku\/juuliuse-blogi-tudengipaevik-kuidas-teha-oma-isic-kaardist-isiklik-investeerimisportfell\/","title":{"rendered":"Juuliuse blogi tudengip\u00e4evik: Kuidas teha oma ISIC-kaardist isiklik investeerimisportfell?"},"content":{"rendered":"<p><strong>AUTOR: MERILIIS KIVIM\u00c4GI<\/strong><\/p>\n\n\n\n<p id=\"viewer-ax661510\">Kui keegi oleks mulle esimesel kursusel \u00f6elnud, et mu elu k\u00f5ige stabiilsem \u201cinvesteering\u201d pole <strong>ETF*<\/strong>&nbsp;ega k\u00f5rge intressiga hoiukonto, vaid <strong>v\u00e4ike plastkaart nimega ISIC<\/strong>, oleksin naernud (<em>plot-twist ma ei naera enam<\/em>). V\u00f5i noh, pigem oleksin teinud hinnav\u00f5rdlustabeli ja k\u00fcsinud: \u201cMis on tootlus?\u201d<\/p>\n\n\n\n<p id=\"viewer-vn2du518\">N\u00fc\u00fcd, majandustudengina \u00fctlen ausalt \u2014 see kaart on mul lausa asendamatu varaklass. Cash flow paraneb, kulud v\u00e4henevad ja elukvaliteet t\u00f5useb. Klassikaline <em>win\u2013win<\/em>.<\/p>\n\n\n\n<p id=\"viewer-ji048522\"><strong><em>*ETF \/ Exchange-Traded Fund:<\/em><\/strong><em>&nbsp;b\u00f6rsil kaubeldav fond, mis koondab korraga palju investeeringuid (nt turuindeksid v\u00f5i sektorid) ning mida saab osta ja m\u00fc\u00fca nagu aktsiat, p\u00e4eva jooksul muutuva hinnaga.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-7k5p7527\"><strong>Esmasp\u00e4ev \u2013 Apollo Kino ja makromajanduslik enesepettus<\/strong><\/h3>\n\n\n\n<p id=\"viewer-23kn9529\">K\u00e4isin j\u00e4lle esmasp\u00e4eval kinos. 5,99\u20ac tudengipilet (<em>Apollo Klubi liikmena<\/em>)\u2026 ja ma valetasin endale, et see on \u201c\u00f5ppimiseks\u201d.<\/p>\n\n\n\n<p id=\"viewer-9u0rm533\">Ma ju anal\u00fc\u00fcsin narratiivide struktuuri \u2013 ehk kuidas lugu on \u00fcles ehitatud: konflikt, t\u00f5usvad s\u00fcndmused, kulminatsioon, lahendus\u2026 k\u00f5ik see kraam, mis p\u00e4riselt majandust ei p\u00e4\u00e4sta, aga k\u00f5lab targalt. See on <em>investor psychology<\/em>, eksole?<\/p>\n\n\n\n<p id=\"viewer-uqw0i537\">Tegelikult on asi lihtne: kui kino on poole odavam, tunnen end nagu <strong>Warren Buffett<\/strong>, legendaarne v\u00e4\u00e4rtusinvestor ja Berkshire Hathaway tegevjuht, kes ostab aktsiaid siis, kui teised paanikas m\u00fc\u00fcvad \u2014 ehk \u201costab dipist\u201d.<\/p>\n\n\n\n<p id=\"viewer-hh447541\">IT-tudengid seal k\u00f5rval: \u201cMa tulin siia ainult sellep\u00e4rast, et popkorni masin t\u00f6\u00f6tab nagu server, mida ma tahaks h\u00e4kkida.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-lry3k545\"><strong>Teisip\u00e4ev \u2013 TalTech Sport ja minu odavaim tervishoiureform<\/strong><\/h3>\n\n\n\n<p id=\"viewer-16zhq547\"><strong>Majandusinimesed \u00fctlevad, et tervis on kapital<\/strong>. Mina \u00fctlen, et <strong>TalTech Spordi semestrikaart 25\u20ac<\/strong>&nbsp;<em>(v\u00f5i tasuta liikumisharrastuse kursus)<\/em>&nbsp;on kapitali amortisatsioon miinus<strong>&nbsp;v\u00f5imalus trennides surra<\/strong>.<\/p>\n\n\n\n<p id=\"viewer-zy944556\">Trennin\u00e4dala muster:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Sisenen uhkelt, sest mul on ISIC.<\/li>\n\n\n\n<li>Teen 10 minutit jooksulinti, 10 minutit ratast, 15 minutit s\u00f5udmist, 15 minutit <em>yap<\/em>\u00b4imist ja tunnen end nagu <em>productivity influencer<\/em>.<\/li>\n\n\n\n<li>Jalutan pesuruumi ja v\u00e4idan: \u201cT\u00e4na oli taastav trenn.\u201d<\/li>\n<\/ol>\n\n\n\n<p id=\"viewer-uew86568\">Vahepeal kasutan lisaks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Adidas Running \u00e4pi 3 tasuta premium kuud<\/strong>, et m\u00f5\u00f5ta ROI-d higipiiskades.<\/li>\n\n\n\n<li><strong>Strava -50%<\/strong>, mis teeb mu treeninggraafiku ilusamaks, kuigi tempo meenutab potentsiaalse majanduskriisi graafikut.<\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-7yog8579\">Kui tahan vaheldust:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>YogaHub <\/strong>(esimene kord tasuta),<\/li>\n\n\n\n<li><strong>MyFitness <\/strong>(liitumine 0\u20ac),<\/li>\n\n\n\n<li><strong>24\/7 Fitness <\/strong>(-20%).<\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-anbzi594\">Insenerid samal ajal: \u201cKas keegi saaks m\u00f5\u00f5ta j\u00f5u\u00f5la vektorit, et mu <em>squat<\/em> oleks optimaalse nurga all?\u201d Loodusteadlased: \u201cKas organism \u00fcldse on loodud jooksma?\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-d1525598\"><strong>Kolmap\u00e4ev \u2013 YogaHub ja vaimne tasakaal (mis kestis 7 minutit)<\/strong><\/h3>\n\n\n\n<p id=\"viewer-ka2nq600\">YogaHubi tasuta proovikord oli ilus. <strong>Stuudio on ilus, inimesed ilusad, isegi mati v\u00e4rv oli ilus.<\/strong><\/p>\n\n\n\n<p id=\"viewer-fd8ry603\"><strong>Mina? Nagu katkine makrograafik.<\/strong><\/p>\n\n\n\n<p id=\"viewer-1hk9f605\">Ehk siis: kujuta ette majanduse graafikut, mis peaks n\u00e4itama ilusat, stabiilset kasvu\u2026 aga j\u00e4rsku tulevad:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>j\u00e4rsud kukkumised (minu motivatsioon),<\/li>\n\n\n\n<li>ootamatud h\u00fcpped (minu \u00e4revus),<\/li>\n\n\n\n<li>k\u00fclgsuunas triivimine (minu keskendumisv\u00f5ime),<\/li>\n\n\n\n<li>ja t\u00e4ielik segadus (minu m\u00f5tted p\u00e4rast kolme tundi loengut).<\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-fh8bg620\">Just selline graafik, mille \u00fcle isegi makro\u00f6konoomika \u00f5ppej\u00f5ud pead kratsiks.<\/p>\n\n\n\n<p id=\"viewer-ul9b7622\">Aga tasuta = immateriaalne vara, mille v\u00e4\u00e4rtust hindab ainult s\u00fcda (ja rahakott). <em>PS. K\u00f5ik, mille ROI = \u201ctunnen end p\u00e4rast paremini\u201d, l\u00e4heb bilanssi kui immateriaalne vara.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-ap2u3627\"><strong>Neljap\u00e4ev \u2013 Ronimisministeerium ja eksistentsiaalne kriis seinal<\/strong><\/h3>\n\n\n\n<p id=\"viewer-lwfej629\">Ronimisministeeriumis sain -25% ja ronisin seinal nagu n\u00e4ljane tudeng, kes tahab elu eest stipendiumi.<\/p>\n\n\n\n<p id=\"viewer-anffo631\">Seal k\u00f5rgemal, seina keskel, m\u00f5tlesin juba makromajanduslikult:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kui ma kukun, mis on minu risk <em>exposure<\/em>?<\/li>\n\n\n\n<li>Kui ma ei kuku, kas mu riskitaluvus t\u00f5useb?<\/li>\n\n\n\n<li>Kas see on kapitali akumulatsioon?<\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-d17m6643\"><strong>Spoiler: kukkusin.<\/strong>&nbsp;<strong>Aga pilet oli odavam, mis v\u00e4hendas mu emotsionaalset kahjumit.<\/strong><\/p>\n\n\n\n<p id=\"viewer-zyi16647\">IT-tudeng k\u00f5rval: \u201cKas ma saan oma ronimise GitHubi <em>push<\/em>\u2019ida?\u201dLoodusteadlane: \u201cKas gravitatsioon v\u00f5iks paariks sekundiks pausi teha?\u201d (Vastus: ei.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-f8kb5651\"><strong>Reede \u2013 O\u2019Learyse -50% ja kollektiivne finantsillusioon<\/strong><\/h3>\n\n\n\n<p id=\"viewer-6ukur653\">Bowling -50%. Shuffleboard -50%. Piljard -50%.<\/p>\n\n\n\n<p id=\"viewer-zy96r655\">K\u00f5ik on ideaalne\u2026 kuni keegi \u00fctleb: <strong>\u201cV\u00f5tame friikad ka.\u201d<\/strong><\/p>\n\n\n\n<p id=\"viewer-dl8ei658\">Majandustudengi reegel <a href=\"https:\/\/www.juuliuseblogi.ee\/my-blog\/hashtags\/1\" target=\"_blank\" rel=\"noreferrer noopener\">#1<\/a>: Kui s\u00e4\u00e4stad raha, kulutad selle kohe \u00e4ra \u2013 et bilanss j\u00e4lle balanssi l\u00e4heks.<\/p>\n\n\n\n<p id=\"viewer-4umoz660\">Insenerid paralleelselt arvutavad, mitu kraadi peab pall kukkumisnurka muutma, et <em>strike<\/em>\u00b4i saaks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-ywaqw664\"><strong>Laup\u00e4ev \u2013 Elroni -30% ja romantika rongi\u00e4\u00e4rsetel liinidel<\/strong><\/h3>\n\n\n\n<p id=\"viewer-0s3bx666\">Kui kuskile s\u00f5ita vaja, siis Elron. -30% muudab isegi Tallinn\u2013Tartu s\u00f5idu romantiliseks, sest:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>saad aknast vaadata loodust,<\/li>\n\n\n\n<li>lugeda skripti (v\u00f5i teha n\u00e4o, et loed),<\/li>\n\n\n\n<li>m\u00f5elda oma elule nagu<em> indie<\/em>-filmi tegelane.<\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-19q6f678\">Ja s\u00e4\u00e4stud\u2026 need on m\u00f5nikord lausa nii reaalsed, et saan <em>croissant<\/em>\u00b4i osta. V\u00f5ib-olla kaks.<em>(Inflatsioon m\u00e4\u00e4rab.)<\/em><\/p>\n\n\n\n<p id=\"viewer-w123r681\">Pikemateks s\u00f5itudeks kasutan <strong>Lux Expressi 10\u201315% soodustust<\/strong>&nbsp;\u2013 mugavus ei pea olema luksuskaup. M\u00f5nes riigis t\u00e4hendab see, et saan s\u00e4\u00e4stetud raha eest <em>cappuccino<\/em>\u2026 m\u00f5nes ainult salvr\u00e4tiku, Rootsis j\u00e4\u00e4t\u00fcki. <strong>Aga oluline on p\u00f5him\u00f5te.<\/strong><\/p>\n\n\n\n<p id=\"viewer-y8i41686\"><strong>Minu \u00fcks lemmikavastusi oli Homestay<\/strong>. Majutus kohalike juures, kus n\u00e4ed elu nii nagu see p\u00e4riselt on \u2013 mitte hotellifiltris. ISIC-uga -50% tundus nagu ametlik kutse minna ja avastada maailma nii, et rahakott ei hakka peale esimest \u00f5htut nutma. Lisaks n\u00e4eb elu hoopis teisest nurgast: hommikukohv vanaaegses k\u00f6\u00f6gis, pererahva naljad, kohalikud soovitused, mida Google ei n\u00e4ita\u2026 Tudengina tundub see k\u00f5ik lausa luksuslikult autentne.<\/p>\n\n\n\n<p id=\"viewer-w8y6h689\"><em>Alati aitab ka BEST-i v\u00f5i ESN-i kontaktide omamine v\u00e4lismaal \ud83d\ude09<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-b8zy9693\"><strong>P\u00fchap\u00e4ev \u2013 Adobe, Office ja k\u00f5ik need platvormid, mis teevad mind produktiivsemaks\u2026 <\/strong><strong><em>teoreetiliselt<\/em><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Office 365<\/strong>\u00a0tasuta (ait\u00e4h TalTech, sa oled mu ankur).<\/li>\n\n\n\n<li><strong>Adobe<\/strong>\u00a0-60% (tunne nagu loov direktor).<\/li>\n\n\n\n<li><strong>Coursera ja Skillshare<\/strong>\u00a0(tasuta periood \u2013 seega kasutan ainult perioodi).<\/li>\n\n\n\n<li><strong>Unity Student Plan<\/strong>\u00a0(m\u00f5tlen iga kord, et \u00e4kki teen m\u00e4ngu\u2026 Aga vot ei tee.)<\/li>\n\n\n\n<li><strong>SAP Learning Hub<\/strong>\u00a0(v\u00e4ga tark k\u00f5lab mu CV-s).<\/li>\n\n\n\n<li><strong>IDAGIO <\/strong>\u2013 ideaalne, kui on vaja klassikat, et makro\u00f5pik tunduks 0.5% inspireerivam.<\/li>\n\n\n\n<li><strong>Komoot Region Bundle<\/strong>\u00a0\u2013 tasuta h\u00e4\u00e4ljuhtimine ja offline-kaardid nii Eestis kui v\u00e4lismaal. T\u00e4iuslik, kui kaardilugemisoskus on sama lappes kui unets\u00fckkel.<\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-ha061725\"><strong>Merit Aktiva + Merit Palk<\/strong>&nbsp;\u2013 t\u00e4iesti tasuta raamatupidamise taevas.<strong>See on hardcore majandustudengi unistus<\/strong>: omaenda (v\u00f5i s\u00f5prade) raamatupidamist teha nagu v\u00e4ike CFO. T\u00f6\u00f6andjad vaatavad CV-d ja m\u00f5tlevad:\u201cAhhaa\u2026 siit v\u00f5ib inimest saada.\u201d<\/p>\n\n\n\n<p id=\"viewer-r1ve1730\"><strong>Kas ma kasutan k\u00f5iki neid? <\/strong>Muidugi mitte. Ma olen tudeng, mitte \u00fcleloomulik olend. Nagu iga tudeng \u2013 <em>alistun optimistlikule planeerimisele.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-rxofr738\"><strong>Kokkuv\u00f5te: kuidas \u00fcks kaart teeb mu tudengielu odavamaks ja mu finantsanal\u00fc\u00fctiku hinge rahulikumaks<\/strong><\/h3>\n\n\n\n<p id=\"viewer-79nyj740\">I<strong>SIC pole lihtsalt kaart <\/strong>\u2014 see on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tudengite <strong>privaatne finantsstiimul,<\/strong><\/li>\n\n\n\n<li><strong>v\u00e4ike amortisaator<\/strong>\u00a0isiklike majanduskriiside vahel,<\/li>\n\n\n\n<li><strong>tasakaal mu tasku ja tohutute ootuste vahel,<\/strong><\/li>\n\n\n\n<li>and <strong>vahel isegi p\u00e4\u00e4ster\u00f5ngas<\/strong>, kui tahaks elu nautida, aga raha on\u2026 noh, tudengiraha.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"viewer-kibwl763\"><strong>Kuidas olla kursis j\u00e4rgmiste kuude pakkumistega?<\/strong><\/h3>\n\n\n\n<p id=\"viewer-dxfo4765\">Lihtne:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lae alla <strong>ISIC \u00e4pp<\/strong>\u00a0\u2014 see on nagu soodustuste kompass,<\/li>\n\n\n\n<li>j\u00e4lgi <strong>@taltechue<\/strong>\u00a0and <strong>@isicestonia<\/strong>\u00a0Instagramis,<\/li>\n\n\n\n<li>ja hoia silma peal ka <strong>TalTechi Juuliuse blogil.<\/strong><\/li>\n<\/ul>\n\n\n\n<p id=\"viewer-ecs9q784\"><strong>Edukat semestril\u00f5ppu ja sessile l\u00e4henemist!<\/strong>&nbsp;\ud83c\udf93\u2728<\/p>","protected":false},"excerpt":{"rendered":"<p>AUTOR: MERILIIS KIVIM\u00c4GI Kui keegi oleks mulle esimesel kursusel \u00f6elnud, et mu elu k\u00f5ige stabiilsem \u201cinvesteering\u201d pole ETF*&nbsp;ega k\u00f5rge intressiga hoiukonto, vaid v\u00e4ike plastkaart nimega ISIC, oleksin naernud (plot-twist ma ei naera enam). V\u00f5i noh, pigem oleksin teinud hinnav\u00f5rdlustabeli ja k\u00fcsinud: \u201cMis on tootlus?\u201d N\u00fc\u00fcd, majandustudengina \u00fctlen ausalt \u2014 see kaart on mul lausa asendamatu&hellip;<\/p>","protected":false},"author":2,"featured_media":13550,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68],"tags":[88,81,89],"class_list":["post-13545","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kasulikku","tag-isic-kaart","tag-isic-soodustused","tag-tudengilugu","category-68","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Juuliuse blogi tudengip\u00e4evik: Kuidas teha oma ISIC-kaardist isiklik investeerimisportfell? - ISIC Eesti<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/isic.ee\/en\/kasulikku\/juuliuse-blogi-tudengipaevik-kuidas-teha-oma-isic-kaardist-isiklik-investeerimisportfell\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Juuliuse blogi tudengip\u00e4evik: Kuidas teha oma ISIC-kaardist isiklik investeerimisportfell? - ISIC Eesti\" \/>\n<meta property=\"og:description\" content=\"AUTOR: MERILIIS KIVIM\u00c4GI Kui keegi oleks mulle esimesel kursusel \u00f6elnud, et mu elu k\u00f5ige stabiilsem \u201cinvesteering\u201d pole ETF*&nbsp;ega k\u00f5rge intressiga hoiukonto, vaid v\u00e4ike plastkaart nimega ISIC, oleksin naernud (plot-twist ma ei naera enam). 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