{"id":328,"date":"2009-07-28T08:58:00","date_gmt":"2009-07-28T08:58:00","guid":{"rendered":"https:\/\/clusterfamilyoffice.com\/blog\/?p=328"},"modified":"2009-07-28T08:58:00","modified_gmt":"2009-07-28T08:58:00","slug":"endeudate-con-moderacion-y-ii","status":"publish","type":"post","link":"https:\/\/clusterfamilyoffice.com\/en\/endeudate-con-moderacion-y-ii\/","title":{"rendered":"End\u00e9udate con moderaci\u00f3n (y II)"},"content":{"rendered":"
(Viene de ayer)<\/p>\n

The compound interest of 100 \u20ac working financially correctly saved at the age of 25 means more than 800 of saving effort at the age of 50!!! Even deducting inflation, the investment effort not made during our first years of productivity will be so expensive in our maturity and old age that it will be unbearable for most people who start accumulating productive assets in their thirties or forties.<\/p>\n

\"\"<\/a><\/p>\n

I am not talking about pension plans but about well-advised and diversified investments in optimised fixed income, real estate, real estate and other investments. profitable<\/span> y con buenos rallies<\/span> appreciation; and judicious and very moderate equities. Although of course a pension or savings plan taken out at 40 is better than nothing, it will only palliate the coming famine and, of course, condemn the descendants to follow the rat race by relays.<\/p>\n

Your money should be used to lend it to others, and they should work with it. Logically, we should not do this ourselves, but through the purchase of financial products that are carefully tailored to our profile. For this delicate selection, we must be well advised by someone who teaches us how to do it while guiding us, and who does not simply sell us products (this is easy to say and almost impossible to find, but there are some). In return you will get more money (corporate or sovereign bonds, for example). This is the difference between producing in exchange for hours of work and lending your assets so that others can produce. At the beginning of our lives everything we earn we have personally produced, and gradually we must lend a greater proportion of our money so that others can produce. Our focus should be on reversing the initial sequence as soon as possible. Once we have achieved this, it is our own choice whether to continue working or to do what we really want to do. There will be those who prefer not to do it any more, it is a question of calculation and the will to leave the heirs in one situation or another. Freedom in capital letters. Paradoxically<\/span> often<\/span> Working without the pressure of remuneration leads to an even higher income if it is done with rigour and honesty, I can assure you.<\/p>\n

Only cicadas should be able to live happily depending on an income generated by a work activity that can be truncated at any time. at any time<\/span> de nuestras vidas por infinitos imponderables<\/span>, In exchange for a progression (or regression!) that only serves us to go on better holidays, have a more expensive car or a house that will take us more years to pay for. Although when we are about to do so, we will exchange it for a bigger one or we will buy a second or third home for the bank.<\/p>\n

My advice to those who, because of their working conditions, have a modest income, is to make an effort to save and invest even the smallest amount. The strictly dispensable, non-vital amount that would allow us to live a step higher than last year. This seemingly insignificant amount should invert<\/span> as soon as possible in a somewhat riskier but well-advised manner. And above all, maintain investment rigour in future years, reducing risk in proportion to the total volume available over time. All of this is done with the help of a good counselor<\/span> and not from financial advisors or, of course, bankers. The strategy must be tailored to each case like a tailor-made suit, haute couture if possible, even if we have little fabric<\/span>.<\/p>\n

Smoking kills. Drink in moderation. End\u00e9udate<\/span> with moderation and judgement. It is your responsibility. It should be warned in banking and consumer advertising. Unfortunately there is no other way to live life in the medium and long term. What is the point of bread for today... if we all hope to grow old?<\/div>","protected":false},"excerpt":{"rendered":"

(Viene de ayer) El inter\u00e9s compuesto de 100 \u20ac trabajando financieramente de forma correcta ahorrado a los 25 a\u00f1os suponen m\u00e1s de 800 de esfuerzo ahorrativo a los 50!!! Incluso deduciendo la inflaci\u00f3n el esfuerzo inversor no realizado durante nuestros primeros a\u00f1os de productividad lo pagaremos tan caro en nuestra madurez y vejez que resultar\u00e1 […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-328","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar"],"_links":{"self":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts\/328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/comments?post=328"}],"version-history":[{"count":0,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts\/328\/revisions"}],"wp:attachment":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/media?parent=328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/categories?post=328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/tags?post=328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}