Investeerimiskevid

Investeerimiskevid is an Estonian term that refers to the level of risk tolerance and investment horizon of an individual investor. It is a key concept in Estonian finance and economics, particularly in the context of pension funds and life insurance.

The concept of investeerimiskevid is closely related to the idea of risk assessment and asset allocation in investment portfolios. It takes into account the investor's willingness to take on risk, their investment horizon, and their financial goals. The goal is to determine the optimal investment strategy that aligns with the investor's risk tolerance and time horizon.

Investeerimiskevid is typically categorized into three main types: konservatiivne (conservative), mõõduv (moderate), and progressiivne (progressive). Each type corresponds to a different level of investment risk, with conservative investments being associated with lower risk and progressively less conservative investments being associated with higher risk.

In Estonia, the concept of investeerimiskevid is mandated by law for pension funds and life insurance companies. They are required to categorize their investments into three main types based on the risk level and to inform their customers about the risk associated with their investments. This ensures that customers are aware of the level of risk they are taking on and can make informed decisions about their investment portfolios.

Overall, investeerimiskevid is an important concept in Estonian finance that helps investors make informed decisions about their investment strategies and risk tolerance.