If we do nothing, we lose money every day (Part 2)

100 euros in 2000 is equivalent to 40 euros in 2025. That's how we started La Bolsillo. last week with the hypothesis that only through investment are we able to maintain purchasing power and, therefore, cope with inflation. Many profiles will tell us "I have no idea how to invest in the stock market and there's risk" as an argument to rule it out. Now, what if we want to achieve risk in our investments? We'll have to choose a fixed-income component (corporate and government debt) and a variable-income component (the stock market).

Let's take it step by step: fixed-income is neither fixed nor secure. Lending money to companies or governments can also give us surprises, and it may happen that they don't repay us. Now, I can lend a loan to Amazon, or I can lend it to a small business struggling to pay its bills. Which do you think will stop paying me first? Precisely for this reason, fixed-income also has ratings Risk. Depending on the company's likelihood of default, we'll charge more or less interest. A first tip: if the interest is too high at that moment, be suspicious because it usually ends badly.

We're considering a moderate investment profile, with an acceptable risk of 3 or 4 out of 7. In this portfolio, there will be a clear predominance of fixed income, always accompanied by less than 30% of variable income. And when it comes to including the stock market, we also have different options: selecting the top 5 American companies is not the same as investing in the stock market of an underdeveloped country.

To make an investment like the one proposed, we can create the portfolio ourselves through our bank or specialized platforms, or directly hire an investment fund with the characteristics we want and have it managed for us. Of course, with that level of risk, we can make (and lose) money, and more than inflation.