Ahorrar no es invertir.


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142_ahorrar_no_es_invertir

A propósito de los productos de ahorro y de inversión.

De acuerdo con la segunda acepción del término recogida en el http://lema.rae.es/drae/, ahorrar consiste en “Guardar dinero como previsión para necesidades futuras”.

Invertir es, “Emplear, gastar, colocar un caudal.”

El ahorro no incorpora riesgo.

La inversión sí.

El ahorro genera un rendimiento (intereses) cierto y seguro.

La inversión puede generar tanto un rendimiento positivo como negativo.

Esa incertidumbre respecto el rendimiento que incorpora la inversión lleva a que, para acometerla, el inversor exija la posibilidad de un mayor rendimiento.

…Pero obviamente, como ya he apuntado, esa incertidumbre supone que el rendimiento pueda ser negativo. Incluso puede llegar a perderse la totalidad de la inversión.

Podemos ahorrar mediante, por ejemplo, bonos del estado. Es decir, mediante, por ejemplo, productos de renta fija

…¡Pero cuidado! No todos los productos de renta fija son de ahorro, algunos son de inversión. Por ejemplo, las tristemente famosas participaciones preferentes, a pesar de ser un híbrido (que analizaré en un próximo artículo), son consideradas renta fija. Por tanto, “renta fija” NO es sinónimo de “ahorro”.

En resumen:

Ahorrar es guardar para mañana a cambio de un rendimiento reducido, pero sin riesgo de pérdida del capital ahorrado.

Invertir es guardar para mañana a cambio de la expectativa de un mayor rendimiento EssaysCaptain, pero asumiendo un riesgo de pérdida que puede alcanzar la totalidad del capital invertido.

Saludos

Raimon Serrahima Formosa.  Perito Economista de ConPericia

Ultima revisión: 24 de agosto de 2012. (en el blog Dirección Financiera de la PyMe)

Si este artículo le ha parecido interesante, por favor, compártalo con sus amigos. Para ello puede utilizar cualquiera de las redes propuestas a continuación.

¡Muchas gracias!


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