Hoy en día, las parejas cada vez más se preocupan por sus finanzas personales. La semana pasada, logré que mi pareja me pidiera ayuda para crearle su primera cartera de inversión.

¿Cómo logré convencerla?

¿Cuál será su cartera de inversión?

Te lo cuento todo, en el siguiente post 😉

Contenido


▷ Finanzas en pareja: La intrahistoria

Finanzas en pareja - Crear una cartera de inversión a largo plazo

Hoy, te voy a presentar a una persona muy importante en mi vida, mi pareja. Se llama Cristina y al igual que yo, es una persona muy inquieta y curiosa. Súper alegre y con un montón de ideas para crear nuevos proyectos.

El mundo de la bolsa siempre le ha llamado la atención, pero siempre con un gran respeto. Constantemente me preguntaba sobre ello y yo intentaba dar respuesta a sus dudas de la forma más sencilla posible. Te seré sincero, es un hueso duro de roer y hasta que no lo entiende, no para de bombardearte con preguntas. Me ha servido como entrenamiento para luego poder elaborar los posts que escribo 😜

Nunca he querido insistirle para que empezara a invertir en bolsa. De alguna forma, sabía que algún día me lo pediría.

Finalmente, la semana pasada ese día llegó. Empezamos a hablar de finanzas y bolsa, y al finalizar nuestra conversión me miro a los ojos y me pregunto si le podía ayudar a crear una cartera de inversión. De repente, una gran sonrisa se dibujó en mi cara. 😀

¡Quería empezar a invertir!

▷ Finanzas en pareja: La cartera de inversión

  • Edad: 32 años –> Joven
  • Aversión al riesgo: Ninguna –> Quiere invertir el 100% en renta variable
  • Plazo de inversión: Largo plazo –> 20-25 años
  • Volatilidad: Media/Alta
  • Estrategia: Diversificación geográfica y sectorial, pagando lo menos posible en comisiones y buscando una eficiencia fiscal
  • Activo financiero escogido –> Fondos indexados

Durante el proceso de determinar cómo debería ser su cartera de inversión, estuvimos hablando de diferentes posibilidades. Al final, lo que he intentado es que ella fuera tomando sus propias decisiones.

Ahora mismo, lo más importante es que empiece a invertir. Da igual que cometa errores. Invertir en bolsa requiere de un proceso y cometer errores forma parte del aprendizaje.

Tras diferentes opciones, finalmente la cartera de inversión elegida fue la siguiente:

Ejemplo cartera de inversión fondos indexados

Como puedes ver, ella invertirá el 50% en 2 fondos indexados: iShares Developed World Acc EUR (IE00BD0NCM55) y Vanguard Emerging Markets Stock Acc EUR (IE0031786142) con un TER total del 0,175%. ¿Bastante barato no crees?

Su idea es invertir 100€ cada 15 días en ambos fondos, aportando un total de 400€ cada mes (200€ en cada fondo) de forma automatizada. ¿Por qué cada 15 días? Así conseguirá replicar mejor ambos índices y diluir la volatilidad.

Estoy seguro que más de uno estará pensado que invertir un 50% en países emergentes es demasiado, pero fíjate cómo queda su distribución geográfica:

Top 10 distribución geográfica de la cartera

Con esta cartera, está invirtiendo aproximadamente en 3.064 empresas presentes en 31 países, con una presencia del 32,80% en Estados Unidos y del 19,80% en China, y luego en países con un fuerte potencial de crecimiento a largo plazo.,

El sector tecnológico es el sector que mayor relevancia tiene en la cartera con un 18,26%. Me gusta mucho, pero lo que no me gusta tanto es el peso que tiene el sector financiero. Pero bueno, para empezar, no está mal esta composición. Más adelante, incorporaremos algún ETF (Exchange Trade Fund) del sector de robotica&automatización, digitalización y ciberseguridad.

Hay que recordar que nuestras necesidades y circunstancias van cambiando a lo largo de nuestra vida. Por lo tanto, dentro de un par de años, la idea será ir incorporando activos financieros que reduzcan la volatilidad y riesgo de la cartera.

▷ ¿Cómo replicar esta cartera de inversión?

Sinceramente, me parece una cartera muy interesante para el largo plazo. Seguramente, más de uno la pueda ver demasiada agresiva, pero desde mi punto de vista, cada cartera debe adaptarse a la personalidad de cada uno. ¿Que luego vemos que no aguanta emocionalmente? Pues se reduce el riesgo.

¿Te gusta la cartera descrita y quieres replicarla?

El broker que se ha elegido para la creación de esta cartera es Myinvestor e invertiremos a través de fondos indexados. ¿Por qué fondos indexados y no ETF’s? Porque a través de este broker obtenemos esta cartera con un TER bajísimo de tan solo 0,175% y nos aprovechamos de la eficiencia fiscal que tienen los fondos mediante los traspasos (no hay peaje fiscal si se traspasa de un fondo a otro).

Me parece una cartera sencilla, bonita y barata. Ahora solo queda hacer las aportaciones mensuales en cada fondos y rebalancear cada cierto tiempo para mantener la paridad 50/50.

Espero que hayas disfrutado del post

Y tú, ¿Qué opinión tienes sobre la cartera propuesta? ¿Has conseguido que tu pareja también se preocupe por sus finanzas?

¡Me gustaría escuchar tu opinión! No tengas vergüenza y opina 😜

Inversor Paciente

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