Women earn less. In Spain, the gender pay gap is 17% (INE data 2022, see the following table), with greater differences in some sectors (24,359/29,382 = -17%). This disparity directly affects women’s savings levels and their ability to generate long-term wealth.
Read more
If you’re looking for where to invest your money, one of the few market consensus opinions is that now is a good time to invest in fixed income. The last time Spanish fixed income yielded as much as it does now, Spain was ‘slightly’ different: the public deficit exceeded 7.5% of GDP; there were 5.9…
Read more
At its most theoretical, bonds do not appear to have any associated dangers. In fact, the bond market is seen as one of the safest markets in which to invest. However, in practice (and in reality) things change. “One of the most widespread misconceptions is that investing in fixed income is risk-free. Any investment product…
Read more
Saving and saving methods have been linked to man since the beginning as a very important part of his culture. It has always been associated with terms such as prosperity, abundance, and fortune. In fact, the very image that comes to mind when we imagine it, the piggy bank, is a reminder of this.
Read more
Investment portfolios help us to keep our assets, whether they are banknotes, coins, cards, or stocks and bonds, together and stored. It even allows us to see our economic or financial situation at a glance. And beyond its function of bringing together a series of assets, the investment portfolio is a way of understanding investment,…
Read more
For millennia, the term balance has been considered one of man’s most recognized virtues. Although historically this concept has almost always been used for morality -in fact, in Ancient Greece, the great Aristotle referred to moral virtue as the middle between two extremes-today we can also extend this virtue to finance, and the balance that…
Read more
The timing of retirement can be an exciting opportunity for many people. While it may involve some changes in capabilities over time and a reduction in recurring income, there are numerous strategies to ensure a comfortable and fulfilling retirement.
Read more
At the beginning of 2024, in January, it seemed that the bond investment craze was abating. In fact, the yield on the 10-year US bond (the market’s main benchmark) was slipping below 4% compared to the 5% it had been hovering around a few months earlier. However, as the days have gone by, this trend…
Read more
The situation for savers has changed dramatically over time. A few years ago, it was really difficult to find investment vehicles that remunerated savings at a high interest rate. With interest rates at or below zero, in the case of Europe, the alternatives were limited. That changed more than two years ago, as inflation accelerated…
Read more
You have probably heard of both fixed income bonds and the debt market interchangeably, as the two terms are synonymous. Although with a small technical nuance: bonds are a type of debt that has a fixed duration and coexist with other types of debt such as Treasury bills, shorter-term debt, and bonds, very long-term debt.
Read more