Annuities
Our friend asks us, should I consider an annuity for my retirement? Annuities are products that most people have heard of, but few people know it well. This lack of knowledge may have led to an adoption rate that is lower than expected, especially considering its attractive risk management characteristics. An annuity, at its most […]
READ MOREInflation
Our friend asks us, how serious is the threat of inflation? Inflation is an economic phenomenon where the prices of a large sample of goods and services increase steadily over a period[1]. There are several causes, the most common being a lasting imbalance between supply and demand, or a significant increase in the quantity of […]
READ MOREReal Estate Investments
Our friend asks us; does it make sense to invest in real estate? Investment in real estate, along with investment in undeveloped land and precious metals, is one of the oldest forms of investment. For many people, owning a tangible and durable asset, enjoying natural demand to be used as a home or business, presupposes […]
READ MOREDeficits
Our friend asks us, what are those deficits that everyone is talking about and how do they affect us? There are two deficits that everyone is talking about: the trade deficit and the fiscal deficit. Both can affect each other and interact with a third one, which is the deficit (or surplus) in the capital […]
READ MOREStock Valuation
Our friend asks us, how do you know if you are paying too much for a stock? The valuation of stocks can be done in different ways, some faster than others. The usefulness of a valuation lies in helping to determine whether the market price is attractive. Before we begin, let’s clarify that the market […]
READ MOREPrivate Equity Funds
Our friend asks us: should I move my investments to private capital markets? The reason behind this question lies usually in the expectation of higher returns[1], so it will be better to do a little analysis before answering it. The fundamental difference between public and private capital markets[2] is their regulation. Public markets are highly […]
READ MOREDividends
Our disciplined friend asks us: should I favor investments that pay dividends? Dividends are one of the most important sources of income for many investors, especially those who require their investment portfolio to generate periodic income that will serve to cover their expenses. But first, let us agree on a single and complete definition: dividends […]
READ MOREBeneficiaries in Retirement Accounts
Our disciplined friend asks us: what if at the end of my days there was a remnant left in my retirement accounts? Let us first clarify that it is difficult to achieve a financial plan that is both robust (in terms of meeting long-term financial needs under multiple scenarios), and that makes the end of […]
READ MORERetirement Plans for Entrepreneurs
An entrepreneur friend asks us: I want to accumulate savings for my retirement in the most appropriate and efficient way, how do I do it? One of the dilemmas of the entrepreneur is that, having blind faith in his business, he prefers to reinvest the profits to make it grow. If the business were profitable, […]
READ MOREFinancial Independence
We found our disciplined friend, who after greeting us asked: I have been hearing about the FIRE movement (short for Financial Independence Retire Early), is that possible? The FIRE movement promotes the idea that, through discipline in saving and spending, you can accumulate enough assets to be able to stop working at an early age, […]
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