Durant molts anys ens han ensenyat que una bona salut financera passa, sobretot, per estalviar. I \u00e9s cert que adquirir l\u2019h\u00e0bit de reservar una part dels nostres ingressos \u00e9s un dels pilars de qualsevol planificaci\u00f3 econ\u00f2mica.
El problema apareix quan pensem que aquest \u00e9s l\u2019\u00fanic pas necessari i deixem els diners imm\u00f2bils durant anys, sense preguntar-nos quin paper haurien de tenir en el nostre futur. <\/p>\n
Els diners no s\u00f3n un objectiu en si mateixos. S\u00f3n una eina que ens ha de permetre assolir determinats projectes: comprar un habitatge, preparar la jubilaci\u00f3, afrontar imprevistos o, simplement, viure amb m\u00e9s tranquil\u00b7litat.
Per aix\u00f2, abans de preguntar-nos on hem d\u2019invertir, probablement ens haur\u00edem de preguntar per qu\u00e8 volem estalviar. Sense un objectiu clar, \u00e9s molt dif\u00edcil prendre bones decisions financeres. <\/p>\n
Tamb\u00e9 \u00e9s important tenir present que el context econ\u00f2mic evoluciona constantment. La inflaci\u00f3, els tipus d\u2019inter\u00e8s o els canvis en els mercats fan que els diners no mantinguin sempre el mateix valor amb el pas del temps.
Aix\u00f2 no significa que tothom hagi d\u2019assumir grans riscos, sin\u00f3 que cada estrat\u00e8gia s\u2019ha d\u2019adaptar a les necessitats, a l\u2019horitz\u00f3 temporal i al perfil de cada persona. No existeix una \u00fanica f\u00f3rmula v\u00e0lida per a tothom. <\/p>\n
Construir patrimoni \u00e9s, en realitat, molt m\u00e9s que acumular diners. Significa donar-los un prop\u00f2sit i aconseguir que treballin al servei dels nostres objectius personals.
Quan existeix aquesta planificaci\u00f3, cada decisi\u00f3 deixa de respondre a la improvisaci\u00f3 i passa a formar part d\u2019un projecte de futur. <\/p>\n","protected":false},"excerpt":{"rendered":"
Durant molts anys ens han ensenyat que una bona salut financera passa, sobretot, per estalviar. I \u00e9s cert que adquirir […]<\/p>\n","protected":false},"author":1,"featured_media":1012,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inversio"],"acf":[],"_links":{"self":[{"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/posts\/1015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/comments?post=1015"}],"version-history":[{"count":0,"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/posts\/1015\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/media\/1012"}],"wp:attachment":[{"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/media?parent=1015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/categories?post=1015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yasminaserrat.com\/ca\/wp-json\/wp\/v2\/tags?post=1015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}