10 CONSEJOS FINANCIEROS PARA EL 2022

¿Sigues Sin Ahorrar e Invertir?

El 2021 se fue volando, viajé a muchas ciudades de Estados Unidos y a varios  países de Sur América. Y tú, ¿A dónde viajaste? ¿Cuánto ahorraste? ¿Incrementaron tus ingresos?

Curiosamente no cambio las finanzas de mucha gente en el 2021. Unos me dijeron que querían hacer cambios, pero entre el miedo y no tener información, se paralizaron y no hicieron nada.   

“No ahorraron, no invirtieron, pero si continúan gastando y siguen con deudas”

Te recomiendo que vayas al siguiente sitio y uses la calculadora financiera para que entiendas cuánto dinero puedes tener si ahorras el 10% e inviertes todos los meses:

http://www.moneychimp.com/calculator/popup/calculator.htm


Espero que hagas cambios en el 2022 para que tus deseos financieros se cumplan.

Comparto contigo 10 puntos importantes que debes establecer y entender, si no, seguirás teniendo el mismo resultado:

     1. Establece tus metas financieras: ¿Cuánto dinero necesitas tener a los 60 años para no preocuparte?  ¿Qué tipo de casa quieres?  ¿Cómo vas a pagar la universidad de tu hijo?  ¿Tienes establecido un plan financiero? ¿Cuánto pagas en impuestos? ¿Inviertes en un fondo para la tercera edad?

     2. Establece un presupuesto: El error número uno de cada familia, es no llevar uno por escrito.  En el juego de futbol existe un tablero que nos dice el marcador, Un presupuesto de la gente pobre, los empobrece con deudas y los deja sin ahorros. Establece un presupuesto que prevenga las deudas.

     3. Automatiza tus ahorros e inversiones: en tu banco establece que te transfieran a una cuenta de ahorros automáticamente, el 10% de lo que ganas.  Así te asegura ahorrar.

     4. Usa inteligentemente el crédito: Triana mi hija, pidió un préstamo de $3,000 dólares y no necesitaba el préstamo.  Lo deposito en su cuenta de ahorros y de ahí mismo está pagando el préstamo.  Triana está estableciendo crédito, para poder comprar una casa.  Empieza establecer tu crédito.

     5. Entiende porque necesitas seguros: siempre abra emergencias en tu vida, emergencias que requieren dinero.  La regla es tener 3 a 6 meses ahorrado, al equivalente de tus gastos mensuales ($2,000 x 3 meses = $6,000 ahorrado).

     6. Entiende el riesgo y tiempo al invertir: Entre más tiempo te tarda ahorrar, menos dinero tendrás ahorrado en el futuro.

     Empiezas ahorrar a los 22 años $2,500 cada año al 8%, a los 62 años tendrás $699,453 dólares.

     Pero si inicias a los 32 años, solo tendrías $611,729 o sea $88,000 menos.

     7. No ignores el sentido común (no deudas): Si es que tienes deudas que suman $30,000 dólares, no importa tu inteligencia.  Será difícil pagar esa deuda.  Mejor ten sentido común y no debas dinero.  El horrar, siempre tiene mejor sentido común.

     8. Maximiza los beneficios que ofrece tu empresa (Cuentas del retiro): La mejor manera de ahorrar e invertir, es por medio de cuentas del retiro.  Si tú ahorras un dólar, la empresa te suma un dólar.  Toma ventaja y entiéndelas.

     9. Establece o actualiza tu plan de fideicomiso y testamento: Digamos que al morir tienes 2 millones de dólares, 5 propiedades, tienes 3 hijos y tú esposa.  ¿A quién le vas a dejar estos activos?   Sin fideicomiso o un testamento, el gobierno te dirá cómo distribuir tus bienes a tu familia.  Necesitas tener los dos, así que establece uno.

     10. Conviértete en un inversionista informado: Mi educación financiera inicio a los 17 años al leer mi primer libro de bienes y raíces.  Ese libro me llevó a otros libros y eso libros me llevaron a seminarios de inversionistas.  Inicia a educarte acerca de finanzas personales.

 

¿Cómo sabes que lo que no sabes, te está perjudicando?  No lo sabes; así que empieza a educarte.

Te invito a nuestro siguiente webinar Gratis, “Invierte y Gana” con Fondos de inversión:

El Fondo S&P 500: dio un rendimiento del 18.22% en el 2120

El Fondo del NASDQ: dio un rendimiento del 48.62% en el 2020

18 comentarios

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