Activos o Pasivos. Yo lo tengo claro, ¿y Tú?

Recuerdo cuando tenía 20 años. Cuando llegó a mis manos el libro “Padre rico, Padre pobre” de Robert Kiyosaki. Un libro que cambiaría mi forma de entender el mundo de las finanzas personales. Por primera vez, llegaron a mí conceptos tales como activos, pasivos, carrera de la rata o libertad financiera. Conceptos nuevos que sembraron en mí una semilla que fue floreciendo poco a poco.

En este artículo, trataré dos de estos conceptos que desde mi punto de vista son muy importantes. Sobre todo, para el desarrollo de un comportamiento saludable, financieramente hablando.

Contenido


Activos y pasivos

Según la definición de Robert Kiyosaki, un activo son todas aquellas cosas que producen que el dinero ENTRE a nuestro bolsillo. Acumular activos nos ofrece la oportunidad de poder incrementar y diversificar nuestras fuentes de ingresos. Un ejemplo de ello sería invertir en bolsa, negocios, obras de arte o ideas.

Por otro lado, un pasivo son todas aquellas cosas que producen que el dinero SALGA de nuestro bolsillo. Claros ejemplos de pasivos serían la compra de un coche o cualquier compra que necesite financiación o se realice mediante el uso de la tarjeta de crédito (televisor, viajes, electrodomésticos…)

Una vivienda: ¿Activo o pasivo?

Es cierto que desde un punto de vista puramente contable una vivienda es un activo, pero en este post vamos a ir un paso más allá. Vamos a enfocar este dilema desde el enfoque de Robert Kiyosaki y las finanzas personales.

En España, hay una costumbre muy extendida de invertir en el ladrillo. Para la mayoría de las personas la compra de una vivienda se convierte en la «inversión de su vida”. Pero, ¿cómo se categoriza su compra?, ¿cómo un activo o pasivo? La respuesta es depende…

Si se trata de la compra de una vivienda para vivir en ella, se trataría de un PASIVO, ya que ese bien no nos generaría dinero. El dinero saldría de nuestro bolsillo. Y si la compra viene acompañada de una hipoteca, sería doblemente pasivo. Por un lado, estaría el coste de la vivienda (más impuestos, comunidad, seguros…) y por el otro lado el coste correspondiente a los intereses de la hipoteca (que pueden incluso hacer doblar el importe de la compra).

Por contra, si compramos una casa para alquilarla, este bien se convertiría en un ACTIVO. La finalidad de su compra sería generar unos ingresos y poder rentabilizar la inversión lo antes posible. En este caso, el dinero entraría a nuestro bolsillo.

Nuestras decisiones determinan nuestro camino

NUESTRAS DECISIONES DETERMINAN NUESTRO CAMINO
La sociedad, la familia y la educación nos influencian y determinan en gran parte nuestra forma de pensar y de decidir. Crear una base sólida desde el principio puede marcan la diferencia entre un resultado u otro.

Desde muy pequeño, nos fomentan a gastar y a dejarnos llevar por nuestros impulsos cortoplacistas. Nos educan a diferenciarnos de los demás comprando cosas que realmente no necesitamos.

Para la gran mayoría de la población, su principal preocupación es encontrar un trabajo fijo, ascender, ganar dinero, comprarse un coche de alta gama o la casa de sus sueños. ¡Es tan fácil como pedir un préstamo o hipoteca al banco! 

De repente, un día se levantan y se dan cuenta de lo endeudados que están. Se ven prisioneros de sí mismo. Entran en un círculo vicioso de conseguir dinero para poder pagar sus facturas. Se convierten en esclavos de su propio trabajo y surge el miedo al despido.

Pensemos un segundo… ¿realmente es lo correcto? ¿no hay otra forma de plantearse la vida?

Acumula Activos

Destinar una parte de nuestros ingresos en invertir en activos es fundamental. La diferencia entre tener unas finanzas saludables y no, derivará en gran parte de las decisiones que tomes respecto al uso de tu dinero.

No empieces a construir la casa por el tejado (pasivos), si no comienza por los cimientos (activos). Intenta generar el mayor número de activos dentro de tus posibilidades y reduce en la mayor parte de lo posible los pasivos. Incrementa las fuentes de ingresos y disminuye las salidas de dinero.

Crea una base sólida de activos que te genere dinero y emplea ese dinero para poder pagar tus pasivos y no al revés

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2.105 comentarios en «Activos o Pasivos. Yo lo tengo claro, ¿y Tú?»

  1. Buenas, recientemente empecé a interesarme por la educación financiera, a fin de gestionar mis ingresos de la mejor forma posible, por lo que di esta web que me parece genial.

    Pues bien, leyendo este articulo, creo que con lo que respecta a la vivienda, desde mi punto de vista no se puede considerar un pasivo puramente dicho. Por ejemplo, si has comprado dentro de tus posibilidades, la mensualidad de la hipoteca debería ser menor que un alquiler, y esa diferencia te debería dar también para cubrir gastos derivados de impuestos y similares.

    Por eso, lo veo mas como una inversión de muy a largo plazo. ¿Tu que opinas al respecto?

    Saludos y gracias por lo que haces!!

    Responder
    • Hola Joan!

      Desde un punto de vista contable la vivienda es un activo, pero si lo vemos desde el enfoque que robert kiyosaki explica en su libro «padre pobre, padre rico» sería un pasivo. ¿Por qué?

      Para Kiyosaki un activo es algo que produce dinero (entra dinero a tu bolsillo), mientras que un pasivo provoca que salga dinero de tu cuenta. Para el tema de la vivienda lo diferencia de 2 formas:

      – Si es vivienda habitual: Es un bien que no genera ingresos, sino que tenemos que pagar (sale dinero de nuestro bolsillo) –> Pasivo
      – Compramos una vivienda como inversión: Allí se generan ingresos, por lo tanto tenemos un bien que produce dinero –> Activo

      Yo concuerdo totalmente con la visión de Kiyosaki y la crisis del 2008 lo demostró. ¿Cuántas familias perdieron sus viviendas?

      Mi opinión es que una vivienda habitual no es una INVERSIÓN. Al final descontando impuestos, reformas e inflación la rentabilidad de una vivienda suele ser nula/escasa. Hay mucho debate sobre este tema. Es mi humilde opinión 🙂

      Un saludo,

      Responder
    • jajaja todavía soy un alumno en aprendizaje!

      Me gusta compartir y aportar mi granito de arena para intentar expandir la educación financiera!

      Un saludo,

      Responder
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