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. The pocket last week With the hypothesis that only through investment are we able to maintain purchasing power and, therefore, cope with inflation. Many people will tell us, "I have no idea how to invest in the stock market, and there's risk involved," as an argument to rule it out. Now, what if we want to achieve risk in our investments? We'll have to choose a portion of fixed income (corporate and government debt) and a portion of variable income (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 surprise us, and it may happen that they don't repay it. Now, I can lend a loan to Amazon, or I can lend it to a small company struggling to pay its bills. Which do you think will stop paying me first? Precisely for this reason, fixed income also has risk ratings. Depending on the company's likelihood of default, we will charge more or less interest. A first piece of advice: if the interest is too high at that moment, be suspicious because it usually ends badly.

We're targeting 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% equity. 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 we can directly hire an investment fund with the characteristics we desire and have it managed for us. Of course, with that level of risk, we can make (and lose) money, and more than inflation.