{"id":38357,"date":"2019-07-04T15:31:31","date_gmt":"2019-07-04T20:31:31","guid":{"rendered":"https:\/\/l21.mx\/?p=38357"},"modified":"2020-01-13T13:05:54","modified_gmt":"2020-01-13T18:05:54","slug":"oye-millennial-vas-tarde-para-el-ahorro","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=38357","title":{"rendered":"Oye millennial \u00a1vas tarde para el ahorro!"},"content":{"rendered":"\n

E<\/strong>n un mundo en el que la singularidad tecnol\u00f3gica est\u00e1 por lograrse (momento en el que la capacidad de c\u00f3mputo y el avance tecnol\u00f3gico empatan con la inteligencia humana), estamos muy lejos de pensar que no somos eternos. No importa la cantidad de avances tecnol\u00f3gicos que impulsen el crecimiento del ahorro: aplicaciones, criptomonedas, fintech, startups,<\/em> nuestra sociedad no est\u00e1 preparada ni consciente de la importancia del mismo. <\/p>\n\n\n\n

M\u00e1s de 70% de los millennials <\/em>no tienen claridad de cu\u00e1ndo piensan retirarse y viven con la idea de ser eternamente productivos, dejando a un lado el tema del ahorro. La consecuencia: tendremos una poblaci\u00f3n de adultos mayores con insuficiencia econ\u00f3mica.<\/p>\n\n\n\n

El ahorro, sin duda, es un tema de discusi\u00f3n en diversos \u00e1mbitos: acad\u00e9mico, pol\u00edtico, social, familiar y personal. Por definici\u00f3n, no representa un riesgo sobre tu capital y el rendimiento es fijo, lo que implica una acumulaci\u00f3n paulatina de dinero ya que puede tener plazos cortos, medianos y largos. <\/p>\n\n\n\n

\u00bfQu\u00e9 te genera la falta de ahorro?<\/strong><\/h2>\n\n\n\n
\"\"
In\u00e9s G\u00f3mez Guti\u00e9rrez
Project Manager de Global Financial Vision
igomez@gfvconsulting.com<\/figcaption><\/figure><\/div>\n\n\n\n

Angustia, inestabilidad, preocupaciones, incertidumbre y detiene tu propio crecimiento; sin duda acaba con tu libertad econ\u00f3mica y frena tu crecimiento personal. El millennial<\/em> no ahorra, se endeuda. <\/p>\n\n\n\n

La cultura del ahorro es cada vez menos com\u00fan. Gran parte del problema se origina del entendimiento de que el nivel de ahorro y la variaci\u00f3n de tu patrimonio est\u00e1n determinados por la elecci\u00f3n entre el consumo e inversi\u00f3n en diferentes agentes econ\u00f3micos. Las nuevas generaciones crecen con diferentes formas de pensar e ideolog\u00edas de vida, un enfoque de vivir y disfrutar el hoy sin crear el equilibrio entre ahorro y diversi\u00f3n. De la mano con el cambio de metas y objetivos el joven de hoy no se prepara para el futuro, no invierte en su patrimonio, prefiere rentar antes que adquirir, no acumula bienes materiales; vive experiencias. Antes el desaf\u00edo era captar los fondos ahorrados por la sociedad ofreciendo mejores rendimientos; ahora, es lograr que las personas tomen la decisi\u00f3n de ahorrar.<\/p>\n\n\n\n

Hoy afrontamos el reto de c\u00f3mo administrar el dinero y estar preparados para poder financiar imprevistos, necesidades, dificultades, problemas de salud, lograr metas personales, invertir y, sobre todo, prepararnos para la vejez. Actualmente no se cuenta con programas de jubilaci\u00f3n o pensiones que te ayuden a cubrir tus necesidades si no cuentas con un ahorro personal. El 80% de los mexicanos sabe lo que es una Afore; sin embargo, siete de cada 10 consideran que el salario que reciben es insuficiente para obtener una buena pensi\u00f3n. La Condusef estima que para el a\u00f1o 2025, 50% de la fuerza laboral ser\u00e1n millennials<\/em>, por lo que su conducta impactar\u00e1 significativamente los planes de retiro para los j\u00f3venes. <\/p>\n\n\n\n

La administraci\u00f3n de tus recursos es lo que te permitir\u00e1 crear tu ahorro personal, pues el ahorro no deber\u00e1 depender de tu nivel de ingresos sino del control de tu gasto, evitando que ante un aumento de ingreso aumente tu gasto, sacrificar un consumo presente por un consumo futuro que genere un mayor impacto en tu vida y que est\u00e9 orientado al cumplimiento de tus metas personales. <\/p>\n\n\n\n

Es momento de tomar acciones para promover la cultura del ahorro en las nuevas generaciones por medio de la creaci\u00f3n de consciencia que las responsabilidades cambian conforme las necesidades, pensar en la familia, patrimonio y una pensi\u00f3n que avale su retiro. \u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

En un mundo en el que la singularidad tecnol\u00f3gica est\u00e1 por lograrse (momento en el que…<\/p>\n","protected":false},"author":69,"featured_media":38358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[484,20],"tags":[764],"class_list":["post-38357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-columnas","tag-finanzas-personales"],"acf":[],"yoast_head":"\nOye millennial \u00a1vas tarde para el ahorro! | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/l21.mx\/?p=38357\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Oye millennial \u00a1vas tarde para el ahorro! 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