Economía, tudosis

26 enero 2014

“¡Cuidado con los colchones, que los carga el diablo!”

Por

Emilio Ontiveros, presidente de AFI y catedrático de Economía de Empresa en la Autónoma

Uff, qué miedo. Tengo cuatro perras y Emilio Ontiveros me aconseja sacarlas de debajo del colchón donde las guardo por si acaso las necesito -algo más que probable tal y como sigue la situación económica-. Pero si ya no me fio ni de mi sombra, ¿qué provecho obtengo invirtiendo mi dinero? me pregunto después de haber visto ‘El lobo de Wall Street’.

Sin embargo Ontiveros insiste en ‘El ahorrador inteligente’  -escrito a medias con David Cano- en enseñarnos a invertir invirtiendo, para que el olfato o el desconocimiento no nos deje con el barril alrededor del cuerpo y logremos beneficiarnos de los instrumentos gracias a los cuales es posible rentabilizar los ahorros. Al presidente de Analistas Financieros Internacionales @ontiverosemilio , al que lo mismo le retuitea Democracia Real Ya, uno de los grupos convocantes del 15M, o el último think tank anglosajón de moda, una de las cosas que más le gusta es enseñar. Él se lo pasa de muerte dando clase a sus alumnos de la Autónoma, donde es catedrático de Economía de la Empresa, y ahora amplía su radio de acción para enseñar a moverse con soltura en el mercado bursatil, en el de divisas o en el de renta fija. Y a comprender los instrumentos derivados, las fondos de pensión, las instituciones de inversión colectiva, entre otros productos que suenan a chino.

 

Cuanto dinero necesito para poder invertir. Una familia con una renta de 3000 € mensuales, por ejemplo, ¿en qué puede invertir?

Difícil me lo ponéis. No me decís cuantos miembros tienen esa familia, ni la cuantía de sus deudas. Dejadme, en todo caso, que haga una consideración general: antes de obsesionarse por el ahorro financiero convencional hay que tener cubiertas inversiones básicas. La educación, de forma prioritaria. No se entiende la obsesión por el ahorro financiero, por “abrirle una libreta al hijo”, si luego no se invierte en el fortalecimiento de su educación, sus habilidades. Esa ha de ser la principal inversión. Esa contribuirá a generar más renta y más ahorro futuro.

 

¿Cuál ha sido la mejor inversión de su vida?

En la medida en que inversión significa también apuesta, renuncia a algo hoy para aumentar el bienestar mañana, son un par las buenas inversiones que he llevado a cabo. Ambas referidas a mi carrera profesional. La elección del camino académico, renunciando a remuneraciones mayores como profesional, tras varios años en empresas industriales nada mas terminar la carrera. La segunda, la decisión, quince años después de crear, de invertir en Afi con otros socios. Hoy, de los 90 que trabajamos en Afi, un tercio somos socios. Y yo, particularmente satisfecho de aquella decisión de fundar Afi, apenas un mes después del “crash” bursátil de octubre de 1987.

 

Sobre “El ahorrador inteligente” ¿lo inteligente no sería ahorrarnos los 20 euros y descargarlo de internet?

O conseguirlo por cualquier otro medio. Suelo recomendar a mis alumnos que empezar a hacerse una buena biblioteca ahora es una de las mejores inversiones. Con independencia de que esos libros sean propios o se compartan, de la forma cómo se adquieran…

 

¿Para qué publicar un libro así ahora, si solo pueden ahorrar los que tienen dinero, que son pocos?

Es verdad que el ahorro ahora está limitado por la caída de las rentas, de los salarios. Pero no olvidéis que hay un número cada día mayor de perceptores de rentas fijas, como los pensionistas, que deben disponer de elementos de juicio propios para sacar el mayor partido a esas rentas. En todo caso, la escasez no es óbice para defender la alfabetización como exigencia básica. Cuanto más sepamos de algo, desde luego de finanzas, menores serán las probabilidades de que nos engañen.

 

¿Por qué no voy a meter mis ahorros en el colchón, si en los bancos me han engañado y los asesores financieros ni le cuento?

 Cuidado con los colchones, que los carga el diablo!! Que los asesores y bancos hayan errado, o hayan engañado, refuerza precisamente la exigencia de disponer de autonomía a la hora de decidir. Cuanto mayor sea la educación financiera, menos dependientes seremos.

 

Para ser un buen ahorrador ¿hay que tener estudios, formación, sentido común?

Mucho sentido común, desde luego. Pero también algo de información, de capacidad para entender porque ocurren las cosas. Sabiendo algo de economía y de finanzas se puede entender algo más lo que pasa a nuestro alrededor. Pero hay muchos académicos respetables que no le sacan buen partido a sus ahorros.

 

Para ahorrar ¿hay que ser un listillo, un tacaño o solo previsor?

Para ahorrar hay que generar algo de renta. Por muy listo, tacaño o previsor que se sea, si uno apenas tiene una renta de supervivencia, difícilmente puede ahorrar. En todo caso, intentar ver la jugada que viene, anticipar, ser previsor, nunca viene mal: es un ejercicio que merece la pena para acabar entendiendo un poco más lo que pasa a nuestro alrededor.

 

132 Comentarios

Comentarios

132 Comentarios

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  • El nuevo líder del PP andaluz que quiere parecerse al viejo
    4 febrero, 2015 | 11:33

    Para que los andaluces tengan claro que están votando a los de siempre, se llame Juanma Moreno Bonilla o Javier Arenas, nada como una de comunicación no verbal. El líder amadrinado por Soraya Sáenz de Santamaría tiene la ardua tarea de no perder votantes, que es a lo que se dedica ahora en cuerpo y [...]

  • Para entender el cenagal de la corrupción, un libro de Pradera
    30 octubre, 2014 | 16:04

    ¿Quieres entender lo que nos está pasando? ¿Cómo hemos llegado a este cenagal, esta peste a podrido que todo lo invade? Busca un libro que se escribió hace 20 año y ha sido publicado ahora. Se títula “Corrupción y Política. Los Costes de la Democracía”. Lo escribió Javier Pradera, para muchos el mejor editor en [...]

  • No me llames Patricia, llámame Ana
    15 septiembre, 2014 | 14:19

    La primera orden de la presidenta del Santander a los medios ha sido clara. No me llames Patricia, llámame Ana. La semana pasada era Ana Patricia en todos los titulares, y esta semana es Ana a secas. Ana P. como se ha conocido toda la vida a la primogénita de Emilio Botín en las redacciones [...]

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