If we do nothing, we lose money every day.

Doing nothing with our money only makes us lose it. Although it may seem strange, always seeing the same amount of money in our checking account makes us poorer. For one reason: money loses value over time due to the effects of inflation. If you don't believe me, consider the following data: 100 euros in 2000 are equivalent to 40 euros in 2025. Along the same lines, a Fotocasa study indicates that it takes 8.4 years of salary to buy an apartment in Catalonia, practically triple what it took 30 years ago. If we do nothing, we'll lose money. The only way to counteract the effect of inflation is through investment.

Being able to offset the average 2% annual inflation rate should be the goal of every conservative portfolio. We won't get rich, but at least our purchasing power will be maintained. And mind you, I'm not saying we should take out a loan to speculate with... bitcoinThere are as many investment products as there are people and profiles. All of them are classified by law from 1 to 7, with 1 being completely safe, where we cannot lose our investment, and 7, where the risk is maximum. Of course, a maxim: the greater the risk, the greater the potential benefit, and the potential loss can also be greater.

Let's take, as an example, a conservative profile that doesn't want to take any risks, doesn't want to lose their investment, and has no financial knowledge. Normally, they're reluctant to do so, but I recommend putting themselves in the hands of experts who can advise them, like when you go to the doctor and trust their word. In this case, we find interest-bearing accounts that pay you just for having the money in your account, term deposits, or fixed-income accounts, that is, government or corporate debt, with nonexistent or very low risk. A combination of these products would be more than enough to combat inflation with minimal risk and not lose purchasing power.