{"id":6827,"date":"2024-07-03T13:28:24","date_gmt":"2024-07-03T11:28:24","guid":{"rendered":"https:\/\/www.tiocodina.com\/?p=6827"},"modified":"2024-07-03T13:28:25","modified_gmt":"2024-07-03T11:28:25","slug":"eleconomista-es-en-espana-no-somos-capaces-de-generar-riqueza-con-nuestro-ahorro","status":"publish","type":"post","link":"https:\/\/www.tiocodina.com\/?p=6827","title":{"rendered":"elEconomista.es \u2013 En Espa\u00f1a no somos capaces de generar riqueza con nuestro ahorro \u2013"},"content":{"rendered":"<div  class=\"tatsu-ByVpZnfv0 tatsu-section    tatsu-clearfix\" data-title=\"\"  data-headerscheme=\"background--dark\"><div class='tatsu-section-pad clearfix' data-padding='{\"d\":\"15px 0px 15px 0px\"}' data-padding-top='15px'><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-H1x4T-nzD0\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-column-no-bg tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-S1ZNa-nzD0\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-text-block-wrap tatsu-rkqKM3fDR  \"><div class=\"tatsu-text-inner tatsu-align-center  clearfix\" ><style>.tatsu-rkqKM3fDR.tatsu-text-block-wrap .tatsu-text-inner{width: 100%;text-align: left;}<\/style>\n<p><audio class=\"audio-for-speech\"><\/audio><\/p>\n<div class=\"translate-tooltip-mtz translator-hidden\">\n<div class=\"header\">\u00a0<\/div>\n<\/div>\n<p><span style=\"color: #333333;\">Article de lectura recomanada publicat a elEconomista.es el passat 02 de Juliol.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><\/div><style>.tatsu-row > .tatsu-S1ZNa-nzD0.tatsu-column{width: 100%;}.tatsu-S1ZNa-nzD0.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: none;}.tatsu-S1ZNa-nzD0 > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-S1ZNa-nzD0 > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-S1ZNa-nzD0 > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-S1ZNa-nzD0 > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-S1ZNa-nzD0.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-S1ZNa-nzD0.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-S1ZNa-nzD0.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-B1QVpW3fwA\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-column-no-bg tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-r1ENTbhGwC\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-animated-link tatsu-animated-link-style4  tatsu-HJBEpW2Mv0 tatsu-module tatsu-animated-link-align-none  \"><a class = \"tatsu-animated-link-inner \" href = \"http:\/\/www.expansion.com\/mercados\/fondos\/2019\/04\/11\/5cac7d09268e3ec8158b456d.html\" target = \"_blank\"  aria-label = \"Enlla\u00e7 a l'article elEconomista.es\"><span class = \"tatsu-animated-link-text\"  >Enlla\u00e7 a l'article elEconomista.es<\/span><span class = \"tatsu-animated-link-arrow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" x=\"0px\" y=\"0px\" width=\"25px\" height=\"15px\" viewBox=\"0 0 30 18\" enable-background=\"new 0 0 30 18\" xml:space=\"preserve\">\n\t\t\t<path class=\"tatsu-svg-arrow-head\" d=\"M20.305,16.212c-0.407,0.409-0.407,1.071,0,1.479s1.068,0.408,1.476,0l7.914-7.952c0.408-0.409,0.408-1.071,0-1.481\n\t\t\t\tl-7.914-7.952c-0.407-0.409-1.068-0.409-1.476,0s-0.407,1.071,0,1.48l7.185,7.221L20.305,16.212z\"><\/path>\n\t\t\t<path class=\"tatsu-svg-arrow-bar\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M1,8h28.001c0.551,0,1,0.448,1,1c0,0.553-0.449,1-1,1H1c-0.553,0-1-0.447-1-1\n\t\t\t\tC0,8.448,0.447,8,1,8z\"><\/path>\n\t\t\t<\/svg><\/span><\/a><style>.tatsu-HJBEpW2Mv0 .tatsu-animated-link-inner{color: rgba(104,0,3,1) ;}.tatsu-HJBEpW2Mv0 .tatsu-animated-link-inner:hover{color: rgba(49,50,51,1) ;}.tatsu-HJBEpW2Mv0 .tatsu-animated-link-inner:hover .tatsu-animated-link-arrow{color: rgba(104,0,3,1) ;}.tatsu-HJBEpW2Mv0.tatsu-module{margin: 0px 0px 40px 0px;}<\/style><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><\/div><style>.tatsu-row > .tatsu-r1ENTbhGwC.tatsu-column{width: 100%;}.tatsu-r1ENTbhGwC.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: none;}.tatsu-r1ENTbhGwC > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-r1ENTbhGwC > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-r1ENTbhGwC > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-r1ENTbhGwC > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-r1ENTbhGwC.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-r1ENTbhGwC.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-r1ENTbhGwC.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><div class=\"tatsu-row-wrap  tatsu-wrap tatsu-row-one-col tatsu-row-has-one-cols tatsu-medium-gutter tatsu-reg-cols  tatsu-clearfix tatsu-r1gLh72MwA\" ><div  class=\"tatsu-row \" ><div  class=\"tatsu-column  tatsu-bg-overlay tatsu-one-col tatsu-column-image-none tatsu-column-effect-none  tatsu-HyI3X2GPC\"  data-parallax-speed=\"0\" style=\"\"><div class=\"tatsu-column-inner \" ><div class=\"tatsu-column-pad-wrap\"><div class=\"tatsu-column-pad\" ><div  class=\"tatsu-module tatsu-inline-text clearfix tatsu-H1Iam2zwR   \" ><style>.tatsu-H1Iam2zwR .tatsu-inline-text-inner{width: 100%;text-align: left;}@media only screen and (max-width: 767px) {.tatsu-H1Iam2zwR .tatsu-inline-text-inner{width: 100%;}}<\/style><div class=\"tatsu-inline-text-inner tatsu-align-center\">\n<p><span style=\"color: #333333; font-size: 17px; letter-spacing: 0px;\">Destaquem de l&#8217;article els seg&uuml;ents par&agrave;grafs:<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\">&#8230;Monserrat Mart&iacute;nez Parera, vicepresidenta de la Comisi&oacute;n Nacional del Mercado de Valores (CNMV), recordaba que <span style=\"color: #070707;\">\u00ab<\/span><\/span><strong><span style=\"color: #070707;\"><a style=\"box-sizing: border-box; color: #070707; --webkit-text-decoration-skip: objects; border-bottom: var(--eleconomistaBg); transition: all 0.25s ease 0s;\" title=\"Montserrat M. Parera (CNMV): &quot;Hay 84 fondos que deber&aacute;n revisarse para mantener t&eacute;rminos ESG en el nombre&quot;\" href=\"https:\/\/www.eleconomista.es\/mercados-cotizaciones\/noticias\/12883964\/06\/24\/montserrat-m-parera-cnmv-hay-84-fondos-que-deberan-revisarse-para-mantener-terminos-esg-en-el-nombre.html\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; letter-spacing: -0.05pt; background-color: white;\">el inversor espa&ntilde;ol sigue invirtiendo poco en activos financieros si se compara con otros pa&iacute;ses del euro<\/span><\/a><\/span><\/strong><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\"><span style=\"color: #070707;\">.<\/span> De la renta bruta disponible, alrededor del 70% sigue siendo inversi&oacute;n en inmobiliario, 10 puntos m&aacute;s que otros pa&iacute;ses europeos de referencia\u00bb&#8230;<\/span><\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\">&#8230;Fuera de Espa&ntilde;a, en pa&iacute;ses como Londres y Francia tienen mayor cultura financiera y una aversi&oacute;n al riesgo mejor entendida porque, evidentemente,<span style=\"color: #080909;\">&nbsp;<\/span><\/span><strong><span style=\"color: #080909;\">el riesgo ahora mismo,&nbsp;<a style=\"box-sizing: border-box; color: #080909; --webkit-text-decoration-skip: objects; border-bottom: var(--eleconomistaBg); transition: all 0.25s ease 0s;\" title=\"Europa conocer&aacute; el dato de inflaci&oacute;n bajo la mirada del Foro de Sintra\" href=\"https:\/\/www.eleconomista.es\/mercados-cotizaciones\/noticias\/12885949\/06\/24\/europa-conocera-el-dato-de-inflacion-bajo-la-mirada-del-foro-de-sintra.html\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; letter-spacing: -0.05pt; background-color: white;\">cuando hay inflaci&oacute;n<\/span><\/a><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; letter-spacing: -0.05pt; background-color: white;\">,&nbsp;<\/span><a style=\"box-sizing: border-box; color: #080909; --webkit-text-decoration-skip: objects; border-bottom: var(--eleconomistaBg); transition: all 0.25s ease 0s;\" title=\"No dejes el dinero parado en el banco: esto es lo que puedes ganar en bolsa y renta fija cada a&ntilde;o\" href=\"https:\/\/www.eleconomista.es\/mercados-cotizaciones\/noticias\/12831299\/05\/24\/no-dejes-el-dinero-parado-en-el-banco-esto-es-lo-que-puedes-ganar-en-bolsa-y-renta-fija-cada-ano.html\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; letter-spacing: -0.05pt; background-color: white;\">es no invertir<\/span><\/a><\/span><\/strong><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\"><span style=\"color: #080909;\">\u00ab&#8230;<\/span><\/span><\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\">&#8230; Si se echa la vista atr&aacute;s, <strong>el activo que m&aacute;s rentabilidad ha generado a largo plazo es la bolsa americana<\/strong> y algunos gestores activos, como el archiconocido Warren Buffett,<span style=\"color: #0b0b0b;\">&nbsp;<\/span><\/span><span style=\"color: #0b0b0b;\"><a style=\"box-sizing: border-box; color: #0b0b0b; --webkit-text-decoration-skip: objects; border-bottom: var(--eleconomistaBg); transition: all 0.25s ease 0s;\" title=\"Warren Buffett bate en tres puntos al a&ntilde;o al S&amp;P 500 en las &uacute;ltimas tres d&eacute;cadas\" href=\"https:\/\/www.eleconomista.es\/mercados-cotizaciones\/noticias\/12677576\/02\/24\/warren-buffett-bate-en-tres-puntos-al-ano-al-sp-500-en-las-ultimas-tres-decadas.html\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; letter-spacing: -0.05pt; background-color: white;\">han sido capaces de generar incluso 3 puntos porcentuales anuales m&aacute;s que el S&amp;P500<\/span><\/a><\/span><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\"><span style=\"color: #0b0b0b;\">&#8230;<\/span><\/span><\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>\n<p class=\"MsoNormal\"><em><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\">&#8230;<\/span><\/em><strong><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\">Una de las llaves maestras para invertir en bolsa es el ahorro peri&oacute;dico<\/span><\/strong><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; color: #212529; letter-spacing: -0.05pt; background-color: white;\">. \u00abSi inviertes una cantidad todos los meses en renta variable, como si fuese un recibo de la luz, eliminas el riesgo<em>. <\/em>Cuando la bolsa sube compras un poco m&aacute;s caro, y cuando baja te aprovechas de los precios m&aacute;s bajos. As&iacute; obtienes la rentabilidad de la bolsa a largo plazo, que hist&oacute;ricamente est&aacute; en torno al 7%-8% anualizado\u00bb&#8230;<\/span><\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>\n<p class=\"MsoNormal\"><span style=\"color: #0b0a0a;\"><span style=\"font-size: 13pt; line-height: 107%; font-family: Roboto; letter-spacing: -0.05pt; background-color: white;\">&#8230;. Si eres extremadamente prudente al final no consigues nada, te quedas en Letras del Tesoro y ya est&aacute;.<\/span> <strong>El gran enemigo del gestor son las emociones<\/strong>. Hay tener templanza para aguantar las ca&iacute;das, y tambi&eacute;n las subidas, que es casi m&aacute;s dif&iacute;cil\u00bb&#8230;.<\/span><\/p>\n<\/div><\/div><\/div><\/div><div class = \"tatsu-column-bg-image-wrap\"><div class = \"tatsu-column-bg-image tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><div class=\"tatsu-overlay tatsu-column-overlay tatsu-animate-none\" ><\/div><\/div><style>.tatsu-row > .tatsu-HyI3X2GPC.tatsu-column{width: 100%;}.tatsu-HyI3X2GPC.tatsu-column > .tatsu-column-inner > .tatsu-column-overlay{mix-blend-mode: normal;}.tatsu-HyI3X2GPC > .tatsu-column-inner > .tatsu-top-divider{z-index: 9999;}.tatsu-HyI3X2GPC > .tatsu-column-inner > .tatsu-bottom-divider{z-index: 9999;}.tatsu-HyI3X2GPC > .tatsu-column-inner > .tatsu-left-divider{z-index: 9999;}.tatsu-HyI3X2GPC > .tatsu-column-inner > .tatsu-right-divider{z-index: 9999;}@media only screen and (max-width:1377px) {.tatsu-row > .tatsu-HyI3X2GPC.tatsu-column{width: 100%;}}@media only screen and (min-width:768px) and (max-width: 1024px) {.tatsu-row > .tatsu-HyI3X2GPC.tatsu-column{width: 100%;}}@media only screen and (max-width: 767px) {.tatsu-row > .tatsu-HyI3X2GPC.tatsu-column{width: 100%;}}<\/style><\/div><\/div><\/div><\/div><div class=\"tatsu-section-background-wrap\"><div class = \"tatsu-section-background tatsu-bg-lazyload\" data-src = \"\"><\/div><\/div><style>.tatsu-ByVpZnfv0 .tatsu-section-pad{padding: 15px 0px 15px 0px;}.tatsu-ByVpZnfv0 > .tatsu-bottom-divider{z-index: 9999;}.tatsu-ByVpZnfv0 > .tatsu-top-divider{z-index: 9999;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Article de lectura recomanada publicada a elEconomista.es<\/p>\n<div><a href=\"https:\/\/www.tiocodina.com\/?p=6827\" class=\"exp-read-more exp-read-more-underlined\">Read More<\/a><\/div>\n","protected":false},"author":1,"featured_media":6828,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":["post-6827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies-ca"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts\/6827","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6827"}],"version-history":[{"count":4,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts\/6827\/revisions"}],"predecessor-version":[{"id":6832,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/posts\/6827\/revisions\/6832"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=\/wp\/v2\/media\/6828"}],"wp:attachment":[{"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6827"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6827"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tiocodina.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6827"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}