{"id":5220,"date":"2024-12-24T10:37:31","date_gmt":"2024-12-24T16:37:31","guid":{"rendered":"https:\/\/www.abileneteachersfcu.org\/?p=5220"},"modified":"2024-12-24T10:37:33","modified_gmt":"2024-12-24T16:37:33","slug":"paso-11-empieza-a-invertir","status":"publish","type":"post","link":"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-11-empieza-a-invertir\/","title":{"rendered":"12 pasos para el bienestar financiero \u2013 Paso 11: Invertir"},"content":{"rendered":"<p>El mundo de las inversiones puede resultar confuso, especialmente para quien lo hace por primera vez. Pero no te preocupes; Abilene Teachers FCU puede <a href=\"https:\/\/abilenetfcu.banzai.org\/wellness\/topics\/investing\">\u00a1ayuda!<\/a> ! A continuaci\u00f3n le mostramos c\u00f3mo empezar a invertir en cinco sencillos pasos.<\/p>\n<p><span class=\"bold\">Paso 1: Defina su tolerancia al riesgo<\/span><\/p>\n<p>Si est\u00e1 invirtiendo, prep\u00e1rese para posibles p\u00e9rdidas, porque no hay cosas seguras. \u00bfPero cu\u00e1nta p\u00e9rdida puedes soportar? Su tolerancia al riesgo variar\u00e1 seg\u00fan su edad y el tiempo que trabaje antes de querer jubilarse; la cantidad de dinero que puedes permitirte perder; y lo que espera obtener a trav\u00e9s de sus inversiones.<\/p>\n<p><span class=\"bold\">2. Defina sus objetivos de inversi\u00f3n<\/span><\/p>\n<p>\u00bfPor qu\u00e9 est\u00e1s invirtiendo este dinero? \u00bfEspera ahorrar suficiente dinero para el pago inicial o para financiar su jubilaci\u00f3n? \u00bfPlanea utilizar este dinero para pagar la educaci\u00f3n universitaria de su hijo? \u00bfO simplemente est\u00e1 buscando una manera de hacer crecer su dinero?<\/p>\n<p>Identificar sus objetivos de inversi\u00f3n le ayudar\u00e1 a elegir sus veh\u00edculos de inversi\u00f3n y la cantidad de dinero con la que se siente c\u00f3modo invirtiendo.<\/p>\n<p><span class=\"bold\">3. Determine su estilo de inversi\u00f3n<\/span><\/p>\n<p>A continuaci\u00f3n, deber\u00e1 encontrar un estilo de inversi\u00f3n que se adapte a su personalidad y objetivos de inversi\u00f3n. Estas son sus opciones b\u00e1sicas:<\/p>\n<ul>\n<li><span class=\"bold\">Manejo Activo<\/span>\u2013Gestionar personalmente sus inversiones. Esta puede ser una excelente opci\u00f3n para un inversor que conf\u00eda en su conocimiento del mercado. Esta no es una opci\u00f3n recomendada para nuevos inversores.<\/li>\n<li><span class=\"bold\">Corredor\/asesor financiero<\/span>\u2013permitir que un tercero administre sus inversiones y tome decisiones con respecto a su cartera. Hay varios tipos de corredores entre los que puede elegir: corredores de servicio completo, corredores de descuento o un asesor financiero. Lo mejor es investigar para ver cu\u00e1l se adapta mejor a sus necesidades y deseos.<\/li>\n<li><span class=\"bold\">Robo-asesor<\/span>\u2013una opci\u00f3n automatizada que normalmente cuesta menos que un corredor tradicional y funciona con sus objetivos, nivel de tolerancia al riesgo y otros datos personales.<\/li>\n<\/ul>\n<p><span class=\"bold\">4. Elige tu cuenta de inversi\u00f3n<\/span><\/p>\n<p>\u00a1Est\u00e1s listo para elegir tus inversiones! A continuaci\u00f3n se muestran algunas inversiones populares por primera vez:<\/p>\n<ul>\n<li><span class=\"bold\">Los fondos de inversi\u00f3n<\/span>\u2013grupos de fondos de inversores gestionados profesionalmente que centran sus inversiones en diferentes mercados. Los fondos mutuos est\u00e1n inherentemente diversificados, lo que los convierte en una buena opci\u00f3n para los inversores principiantes.<\/li>\n<li><span class=\"bold\">Cepo<\/span>\u2013una sola acci\u00f3n o algunas acciones de una empresa determinada. Aseg\u00farese de investigar detenidamente las empresas elegidas.<\/li>\n<li><span class=\"bold\">Cautiverio<\/span>\u2013un pr\u00e9stamo a una empresa o entidad gubernamental que se compromete a devolverle el dinero en un n\u00famero espec\u00edfico de a\u00f1os. Obtendr\u00e1 dividendos modestos hasta que venza el bono. Los bonos son de bajo riesgo, pero ofrecen rendimientos m\u00e1s bajos a largo plazo.<\/li>\n<li><span class=\"bold\">Fondos cotizados en bolsa (ETF)<\/span>\u2013inversiones individuales agrupadas y negociadas durante todo el d\u00eda, como una acci\u00f3n. Los precios de las acciones son relativamente bajos, lo que convierte a los ETF en una excelente opci\u00f3n para presupuestos reducidos. Para obtener m\u00e1s informaci\u00f3n sobre los conceptos b\u00e1sicos del mercado de valores, haga clic en <a href=\"https:\/\/abilenetfcu.banzai.org\/wellness\/resources\/stock-market-basics\">aqu\u00ed<\/a>.<\/li>\n<\/ul>\n<p><span class=\"bold\">5. Aprenda a diversificar y reducir el riesgo<\/span><\/p>\n<p>Una vez que haya comenzado a invertir, deber\u00e1 monitorear y ajustar su cartera peri\u00f3dicamente para lograr un rendimiento \u00f3ptimo. Lo m\u00e1s importante es que querr\u00e1 asegurarse de que su cartera est\u00e9 diversificada o que sus fondos est\u00e9n divididos entre diferentes inversiones y clases. La diversificaci\u00f3n ayuda a reducir el riesgo de p\u00e9rdidas al garantizar que una inversi\u00f3n con un rendimiento deficiente no afecte a toda su cartera.<\/p>\n<p>Mojarse los pies en el mundo de las inversiones puede ser muy emocionante, pero desalentador. Siga los pasos descritos anteriormente para comenzar.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfTiene su casa financiera pr\u00e1cticamente en orden y lista para comenzar a invertir? \u00a1Excelente! \u00a1Hay algunas decisiones importantes que tomar y podemos ayudar! <a href=\"https:\/\/www.abileneteachersfcu.org\/es\/blog\/paso-11-empieza-a-invertir\/\" aria-label=\"Contin\u00fae leyendo sobre los 12 pasos para el bienestar financiero: Paso 11: Invertir\">sigue leyendo <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":11,"featured_media":5221,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[50,43],"tags":[],"class_list":["post-5220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-budgeting"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>12 Steps to Financial Wellness - Step 11: Investing - ATFCU<\/title>\n<meta name=\"description\" content=\"Got your financial house pretty much in order and ready to start investing? 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