Te enfrentas a la incertidumbre económica. ¿Cómo debe ajustar su estrategia de asignación de presupuesto?

During times of recession, adjust your budget by reassessing priorities, focusing on important expenses, and building an emergency fund. Cut back on unnecessary expenses and delay big purchases. Increase spending to allow for flexibility by varying sources of income. Review your budget and adjust regularly to be flexible for change. Consider seeking the advice of a financial professional to help you make tough decisions. Streamline policies and renegotiate contracts where possible to focus on cost efficiencies. This approach helps to manage finances and effectively mitigate risks.

When there is no emergency fund and economic uncertainty occurs, then the things that we need to be considered are: 1. Identify needs and then group them according to priority. 2. Identify which assets must be there based on productive and unproductive assets. Then take action, including: 1. Needs that are not a priority are ignored. 2. Unproductive assets can be sold if emergency funds are needed. Hopefully useful.

Resulta fundamental realizar un análisis detallado para saber efectivamente en que gastamos nuestro dinero, donde pequeños cambios de “hábitos” pueden significar posibilidades de ahorro en el futuro y esto es algo que nos aplica a todos, sin que el nivel de nuestros ingresos sea un “condicionante”.

En este tema soy muy insistente y mis clientes bien lo saben pero lo diré las veces que haga falta, tener un colchón de seguridad aporta a parte de tranquilidad económica, tranquilidad mental y eso es algo imprescindible para llevar unas buenas finanzas personales. ¿Cuánto colchón? Pues depende pero seguir la regla de 6 meses de gastos creo que es es un buen criterio para empezar.

Every day, I’m always keeping up with the stock markets. Between hearing Jim Cramer on CNBC to reading the WSJ, I find myself guilty in getting too caught up, and my financial behavior being swayed. As investors, I do believe both fundamental and technical analyses work, to a certain extent in which you employ those strategies effectively. Diversification is always key, although, whatever your investment philosophy is, you need to stick by it and be confident. Asset allocations need changing overtime, as consumer tastes change. My view: Exchange-traded funds! No fees, most diversification possible. Or, be irrational; flip a coin like each mutual fund manager does, which Spock the Vulcan wouldn’t ever. (Star Trek) “Live long and prosper.”🖖

When reviewing your investment strategy with a long-term perspective, it's crucial to focus on maintaining a well-diversified portfolio. Consider allocating your investments across various asset classes such as stocks, bonds, real estate, and commodities to spread risk effectively. Rebalance your portfolio periodically to maintain your desired asset allocation, especially after market fluctuations. If your risk tolerance has changed, adjust your portfolio accordingly by shifting towards more conservative or aggressive investments as needed.