Finanzas personales

Sabes que uno de cada tres pesos en tu vejez será para gastarlo en salud. En México, sólo uno de cada cinco jóvenes que tienen un salario como remuneración reconoce que el ahorro es un mecanismo para solventar su vida cuando se haya retirado de trabajar. La mayoría de los jóvenes que trabajan actualmente en México consideran que el ahorro es sólo una estrategia para solventar una emergencia, o para adquirir un inmueble; o bien, ve el ahorro para adquirir un satisfactor inmediato. El ahorro casi no se observa como un bien a largo plazo; y tampoco se observa que el dinero es una herramienta que puede jugar en favor de quien sabe manejarlo.

Hoy, los jóvenes que trabajan deben tener conciencia, primero, que la edad laboral se cubre de manera rápida. En términos laborales, treinta o cuarenta años de trabajo transcurren muy rápido; así entonces, el proceso natural de maduración física, habrá de orillarlos a dejar de trabajar. El segundo aspecto es que el dinero obtenido por su jornada laboral debe tener un fin a largo plazo; esto es, se debe destinar un porcentaje, quizá el veinte o treinta por ciento, del salario, para ahorrarlo con fines jubilatorios. Además, en México, el proceso de jubilación vía institución oficial ha terminado; quien empiece a trabajar hoy, marzo de 2017, para marzo de 2047, cuando se jubile, sólo podrá hacerlo si ha realizado un aporte a su cuenta de retiro; y sólo dependerá del capital ahorrado. Así que la calidad de vida de una persona, quien hoy es joven y ágil, pero en muchos mañanas será un cuerpo senil y enfermo, únicamente dependerá de su dinero ahorrado y el patrimonio que tenga para vivir, porque ya no habrá más posibilidad de trabajar, y porque su condición de salud, puede estar ya mermada. Ser joven es una eventualidad, es sólo una fracción de la vida; si a la edad de cuarenta años no se han forjado un patrimonio inmobiliario, y si no se ha cuidado de la salud como para tener una motricidad autosuficiente, entonces serán adultos en extrema vulnerabilidad. Que el tiempo no les cobre factura.

Hoy, es muy buen momento para iniciar un ahorro en esta etapa de adolescentes trabajadores, que además planean una vida que pueden disfrutar sin temores. Por supuesto es importante elaborar una estrategia financiera, conocer perfectamente cuánto se gana, en qué se ocupa el dinero, y cuánto se puede ahorrar. El tiempo siempre es un factor determinante para tomar decisiones en favor del ahorro; entre más tarde se inicie, las cantidades de ahorro deberán ser mayores. Existen apps que pueden apoyarte para organizar tu salario, y a la vez impulsar tu ahorro. Es importantísimo que planees tu futuro. El futuro no comienza mañana; el futuro es el instante inmediato que sigue, porque el presente es efímero, y toda experiencia de vida es pasado. Si tu dinero no te alcanza para tener un ahorro digno, o una pensión decente; considera otras opciones de inversión con las cuales capitalizarte de manera ágil y segura. Forex es la estrategia de inversión práctica y que ofrece los mejores dividendos en lapsos de tiempo en verdad cortos; no tienes que esperar plazos determinados, largos y específicos en horarios de oficina. Forex opera veinticuatro horas hasta seis días a la semana, y puedes revisar tus operaciones desde cualquier computadora en cualquier parte del mundo. Forex es el instrumento más veloz de capitalización para los tiempos contemporáneos. Forex, te puede llevar a un retiro jubilatorio, en paz y sin preocupaciones.

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