My name is Randy Padar and I’m a 22-year-old member of the EBS family. I’m a student, the
Chairman of the EBS Student Council, initiator of the Investment Club and a member of the
senate. I have been investing for a long time and I take it as an everyday hobby, to which I
dedicate an hour or two a day. I also like cold water, long walks, good books, cooking,
coaching and exploring the human nature.
I discovered investing at the age of 16, when I received a book called “Rikkaks saamise õpik”
and read it from end to end all at once. Half a year later, I made my first share transaction,
buying Tallink shares for 400 €, this money was birthday money which I collected with great
effort. I stuck with stocks since then, but over time I have tried co-financing, crypto
investments, trading as well as the loan market. The last one is what makes up just over half
of my portfolio today.
Investing is closely linked to self-investment, which is everyone’s first step. There is a very
high probability that when you start investing, you will also start working harder and striving
to be a better person. There were a few reasons for me to start investing: Above all, I thought
that when I start at a young age I would have an advantage over others; I wanted to be money-
wise; and financial freedom also seemed attractive.
Today, I am mostly investing with the goal of having a good mix of dividend and growth
portfolios. Greater emphasis will be placed on dividends and interest. The longer-term goal is
to earn extra to everything that my everyday work offers me. In addition, it certainly provides
an opportunity to more likely do the things which are closest to my heart. It is important to
reinvest everything today, to make the compound interest work.
In 2017, I got the idea was to start with EBS Investment Club in order to offer free financial
education, a good environment and some ideas for the future. I have been a scholarship holder
of the Estonian Investment Club for the Young Investor Award, and the idea started to
develop from there, and the desire to give something in return seemed like a clear plan. At
first we limited ourselves to a test event, but the team was too international and the
cooperation was definitely far from a unified vision, but yes, I gathered a lot of good feedback
The second screening started in the summer of 2019, when we gathered the active members
and ignited the matter.Speaking of what’s going on in the world today, it is extraordinary, new to all of us. But at thesame time, a wise person consciously takes advantage of and uses it mostly to learn, develop
and to invest money wisely.
We do not know what the future holds, but I can certainly give you some of my own
1. Keep in mind that emotions have no place in the markets, some days are in a deep
minus, another day there is a ”bounce of a dead cat” and you are already back in the green.
Make decisions only based on a specific plan.
2. Don’t look for a time when the market is at its lowest, just buy a few parts each week.
This will help you spread out your average purchase price and ultimately earn a good average
of it. It is not sensible to take excessive risks.
3. Only invest in what you understand.
4. The true value of a company comes out in difficult times. Assess the company’s
potential losses during the crisis, and also its future potential.
5. Do not forget that the crisis may last longer than we think. Only invest money that you
are willing to lose.
6. Start today. Time is your friend.
All in all, all the necessary and relevant information is around you. Surround yourself with
like-minded people and stick to your own wishes.
Editor: Tea Teesalu
Translator: Marlen Kuusk