When the subject of retirement comes up, the first thing that usually comes to mind is the idea of rest, free time and the possibility of enjoying what we have always longed for. However, for this future to materialize the way we envision it, it is crucial to take action in advance with a pension…
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U.S. Credit Rating Downgrade On May 16, 2025, Moody’s downgraded the United States’ long-term credit rating from Aaa to Aa1, maintaining a stable outlook.
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Why invest only in the present when we can project our investments into the future? In today’s fast-moving financial world, the importance of long-term investments has become increasingly relevant in recent years.
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Until not so long ago, investing and managing wealth was a complex and costly process. To access professional financial management, it was necessary to go to a traditional banking institution, where large sums of money were required, and high fees were charged.
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What is the difference between bonds and debentures? This is a frequent question among investors who want to better understand the options available in the fixed income market. And it’s not without reason, as both instruments are currently very popular because they allow for predictable returns and a relatively controlled risk structure.
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Let’s talk about 3-year government bond yields. For many investors, these financial vehicles represent a safe investment option, especially in a context of volatility and uncertainty.
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The availability bias (see appendix), described by Amos Tversky and Daniel Kahneman in 1973, explains that we tend to overvalue recent or easily remembered events, confusing their ease of recall with their actual probability. To avoid technical jargon and anglicisms, I call it the recency bias. Basically, we think that what happened recently is the…
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UCITS (Undertakings for Collective Investment in Transferable Securities) funds or ETFs are a category of investment funds regulated by a European Union directive that harmonizes the rules governing collective investment products in the European market. This regulation establishes a series of strict requirements regarding diversification, liquidity, transparency, and oversight, all with the aim of offering…
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At inbestMe, we believe that financial education is key to making better decisions and living a more fulfilling life. That’s why we’re excited to introduce the new “Finanzas Conscientes” course, developed in collaboration with the Institut d’Estudis Financers (IEF), one of the leading institutions in financial education in Spain. What are “Finanzas conscientes“? “Finanzas conscientes”…
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Before building an investment portfolio, it’s essential to understand its building blocks: asset classes. Understanding their differences, characteristics, and behavior can make all the difference in a long-term investment strategy. What is an asset class? An asset class is a group of investments that share similar characteristics, behave similarly in the markets, and are subject…
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