{"id":39457,"date":"2021-09-22T20:53:21","date_gmt":"2021-09-23T01:53:21","guid":{"rendered":"https:\/\/panamaextrema.com\/pe\/?p=39457"},"modified":"2021-09-22T20:53:21","modified_gmt":"2021-09-23T01:53:21","slug":"cuentas-claras-donde-me-conviene-guardar-mis-ahorros","status":"publish","type":"post","link":"https:\/\/panamaextrema.com\/pe\/cuentas-claras-donde-me-conviene-guardar-mis-ahorros\/","title":{"rendered":"\u201cCuentas Claras\u201d: \u00bfD\u00f3nde me conviene guardar mis ahorros?"},"content":{"rendered":"

Cultivar el h\u00e1bito del ahorro es fundamental para lograr y mantener unas finanzas personales saludables. Ya sea un ahorro personal, un sue\u00f1o o un fondo de emergencia, encontrar el lugar adecuado para salvaguardar estos montos es igual de importante para asegurar que tengan el mejor rendimiento a corto o largo plazo.<\/span><\/p>\n

En esta <\/span>edici\u00f3n<\/span><\/a> de Cuentas Claras, se listar\u00e1n 3 tipos de cuentas en donde podemos colocar nuestros ahorros en relaci\u00f3n con nuestros objetivos financiero<\/span>:<\/span><\/p>\n

    \n
  1. Cuenta de ahorro abierta. <\/span><\/b>Aqu\u00ed se recomienda colocar ahorros de emergencias para imprevistos. De esta manera, podemos retirar el monto que necesitamos en 24 horas o menos.<\/span><\/li>\n
  2. Ahorros programados. <\/span><\/b>Esta opci\u00f3n funciona muy bien para eventos espec\u00edficos como unas vacaciones o las compras de navidad. Una ventaja de este tipo de cuentas cerradas es que nos dan intereses por el tiempo que retengamos el dinero. Es importante revisar los plazos de dichas cuentas cerradas para asegurarnos que coincidan con las compras o inversiones que queremos realizar.<\/span><\/li>\n
  3. Fondos de pensi\u00f3n. <\/span><\/b>Con respecto a ahorros a futuro como la jubilaci\u00f3n se recomienda invertirlos ya sea en fondos de pensi\u00f3n o inversi\u00f3n, incluso existen plataformas y aplicaciones que permiten manejar estas inversiones desde la comodidad de nuestro celular. Es importante cuidarse de estafas que se hagan pasar por supuestas oportunidades de inversi\u00f3n. Una alternativa de inversi\u00f3n que ofrezca <\/span>m\u00e1s del 50% anual es probablemente una estafa. Como referencia, un rendimiento bueno con riesgo medio est\u00e1 alrededor del 10-15% anual. Es decir, por cada $100, en un a\u00f1o vas a ganar entre $10 y $15.<\/b><\/li>\n<\/ol>\n

    Tip Extra: <\/span><\/b> En pa\u00edses no dolarizados es v\u00e1lido ahorrar en d\u00f3lares ya que es bastante com\u00fan que la mayor\u00eda de monedas se deval\u00faen con respecto al d\u00f3lar, es decir, que se vuelvan m\u00e1s baratas. Por eso, es bueno tener una parte de sus ahorros en d\u00f3lares, sobre todo si la pueden ubicar dentro de un banco, donde generar\u00e1 intereses a futuro.<\/p>\n

    \u201cCuentas Claras\u201d es una serie de videos de Mastercard que desarrolla informaci\u00f3n financiera de forma cercana, din\u00e1mica y f\u00e1cil de entender, estos videos se publican cada 15 d\u00edas desde octubre del 2020 y se extender\u00e1n por el resto del a\u00f1o a trav\u00e9s de las redes sociales y el canal de YouTube de Mastercard, donde pueden encontrar otros videos enfocados en bancos, pr\u00e9stamos, uso del efectivo y m\u00e1s.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Cultivar el h\u00e1bito del ahorro es fundamental para lograr y mantener unas finanzas personales saludables. Ya sea un ahorro personal, un sue\u00f1o o un fondo de emergencia, encontrar el lugar adecuado para salvaguardar estos montos es igual de importante para asegurar que tengan el mejor rendimiento a corto o largo plazo. En esta edici\u00f3n de Cuentas Claras, …<\/p>\n","protected":false},"author":1,"featured_media":39458,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ngg_post_thumbnail":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[40],"tags":[],"class_list":["post-39457","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-noticias"],"yoast_head":"\n\u201cCuentas Claras\u201d: \u00bfD\u00f3nde me conviene guardar mis ahorros? « PanamaExtrema.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/panamaextrema.com\/pe\/cuentas-claras-donde-me-conviene-guardar-mis-ahorros\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cCuentas Claras\u201d: \u00bfD\u00f3nde me conviene guardar mis ahorros? « PanamaExtrema.com\" \/>\n<meta property=\"og:description\" content=\"Cultivar el h\u00e1bito del ahorro es fundamental para lograr y mantener unas finanzas personales saludables. 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