Ahora que la crisis financiera está azotando fuertemente a los mercados a nivel mundial, muchos nos hemos preocupado acerca del impacto que ésta ha tenido sobre nuestras Finanzas Personales, particularmente en lo que respecta a nuestras inversiones.
Pero, sobre todo, cómo nos podría seguir afectando en el futuro cercano. Por ello, ahora es un momento ideal para revisar el estado de nuestras Finanzas Personales.
Éste es el tiempo para analizar si vamos por el camino adecuado hacia nuestras metas, y en su caso, efectuar los ajustes que sean necesarios para corregir el rumbo.
También, de revisar si nuestros objetivos siguen siendo válidos y congruentes con nuestra situación actual.
Hemos preparado por lo tanto un pequeño check up financiero, que aunque no es exhaustivo de ninguna forma, está elaborado con preguntas que nos permiten, sobre todo, reflexionar profundamente acerca de cada aspecto de nuestras Finanzas Personales al que hacen referencia.
Esta herramienta nos permitirá hacer, nosotros mismos, un diagnóstico de diversas áreas críticas de nuestra planeación financiera personal, y servirá como punto de partida para efectuar, ahora sí en números, los ajustes que sean necesarios.
He aquí lo que debemos preguntarnos: Administración Financiera
1. ¿Sé exactamente a cuánto asciende mi Patrimonio en este momento? - Si - No
2. ¿Tengo una buena idea de dónde y cómo gasto mi dinero cada mes? - Si - No
3. ¿Mi dinero va hacia las cosas que son más importantes para mí?
¿Tengo bien identificadas mis prioridades? - Si - No
4. ¿He elaborado un presupuesto y lo sigo? - Si - No
5. ¿Destino dentro de mi presupuesto por lo menos un 10% de mi ingreso mensual al ahorro, como la primera factura que tengo que pagarme a mí mismo cada mes? - Si - No
6. ¿Cada mes reviso mis estados de cuenta contra mis registros, para detectar errores? - Si - No
Deuda
7. ¿Mis deudas a corto plazo están bajo control, y representan menos de 10% de mi ingreso mensual? - Si - No
8. ¿Pago cada mes mi saldo completo de mis tarjetas de crédito, con el fin de no pagar intereses? O bien,
¿Pago más del mínimo y mi saldo está decreciendo rápidamente? - Si - No
9. ¿La relación entre mis activos y mis deudas de largo plazo es financieramente sana? - Si - No
10.¿He solicitado recientemente mi reporte crediticio al Buró de Crédito? - Si - No
Inversiones
11.¿Sé cómo los movimientos en los mercados financieros han impactado a mis inversiones? - Si - No
12.¿Sé en qué tipo de activos está diversificado mi portafolio actualmente? ¿Estoy seguro que dicha asignación de activos es adecuada para mí de acuerdo con mis objetivos, horizonte de inversión y grado de tolerancia al riesgo? - Si - No
13.¿Reconozco que las recientes caídas de los mercados financieros son una gran oportunidad de compra (para algunas acciones o índices) con horizonte de largo plazo? ¿Cuento con liquidez en mi portafolio que me permita aprovecharla? - Si - No
14.¿Tengo actualmente establecido algún Plan Personal de Retiro, y aprovecho los grandes beneficios fiscales que éstos ofrecen? - Si - No
Protección patrimonial
15.¿Tengo un fondo para emergencias que me cubra entre tres y seis meses de gasto familiar corriente? - Si - No 16.¿Conozco mis necesidades de protección, y sé con certeza que los seguros que tengo responden a las mismas? - Si - No
17.¿Los seguros que tengo actualmente son mi mejor opción en la relación costo-beneficio? - Si - No
18.¿Conservo y mantengo adecuadamente mis activos importantes, como casa y coches? - Si - No
19.¿Tengo un testamento? - Si - No
Mi mayor preocupación
20. ¿Cuál es mi principal preocupación financiera para los siguientes 12 meses? ¿En qué quiero enfocarme y con qué prioridad? -
Crear y seguir un presupuesto.
- Reducir mis deudas. - Ahorrar para la educación de mis hijos. - Ahorrar para el retiro.
- Comprar una casa. - Otra _______________ Analice cuidadosamente los resultados Como mencioné anteriormente, la idea de este cuestionario es crear un espacio de reflexión, y vayamos pensando cuidadosamente en el aspecto particular de nuestras Finanzas Personales al que se hace referencia.
Es un muy buen momento, para reunirnos y comenzar a planear tus finanzas personales....dime, cuándo nos podemos reunir?
jueves, octubre 30, 2008
lunes, octubre 27, 2008
Tiempo de crisis..tiempo de OPORTUNIDADES
October 17, 2008
Op-Ed Contributor
Buy American. I Am.
By WARREN E. BUFFETT
Omaha
THE financial world is a mess, both in the United States and abroad. Its problems, moreover, have been leaking into the general economy, and the leaks are now turning into a gusher. In the near term, unemployment will rise, business activity will falter and headlines will continue to be scary.
So .. I’ve been buying American stocks. This is my personal account I’m talking about, in which I previously owned nothing but United States government bonds. (This description leaves aside my Berkshire Hathaway holdings, which are all committed to philanthropy.) If prices keep looking attractive, my non-Berkshire net worth will soon be 100 percent in United States equities.
Why?
A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful. And most certainly, fear is now widespread, gripping even seasoned investors. To be sure, investors are right to be wary of highly leveraged entities or businesses in weak competitive positions. But fears regarding the long-term prosperity of the nation’s many sound companies make no sense. These businesses will indeed suffer earnings hiccups, as they always have. But most major companies will be setting new profit records 5, 10 and 20 years from now.
Let me be clear on one point: I can’t predict the short-term movements of the stock market. I haven’t the faintest idea as to whether stocks will be higher or lower a month — or a year — from now. What is likely, however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns up. So if you wait for the robins, spring will be over.
A little history here: During the Depression, the Dow hit its low, 41, on July 8, 1932. Economic conditions, though, kept deteriorating until Franklin D. Roosevelt took office in March 1933. By that time, the market had already advanced 30 percent. Or think back to the early days of World War II, when things were going badly for the United States in Europe and the Pacific. The market hit bottom in April 1942, well before Allied fortunes turned. Again, in the early 1980s, the time to buy stocks was when inflation raged and the economy was in the tank. In short, bad news is an investor’s best friend. It lets you buy a slice of America’s future at a marked-down price.
Over the long term, the stock market news will be good. In the 20th century, the United States endured two world wars and other traumatic and expensive military conflicts; the Depression; a dozen or so recessions and financial panics; oil shocks; a flu epidemic; and the resignation of a disgraced president. Yet the Dow rose from 66 to 11,497.
You might think it would have been impossible for an investor to lose money during a century marked by such an extraordinary gain. But some investors did. The hapless ones bought stocks only when they felt comfort in doing so and then proceeded to sell when the headlines made them queasy.
Today people who hold cash equivalents feel comfortable. They shouldn’t. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value. Indeed, the policies that government will follow in its efforts to alleviate the current crisis will probably prove inflationary and therefore accelerate declines in the real value of cash accounts.
Equities will almost certainly outperform cash over the next decade, probably by a substantial degree. Those investors who cling now to cash are betting they can efficiently time their move away from it later. In waiting for the comfort of good news, they are ignoring Wayne Gretzky’s advice: “I skate to where the puck is going to be, not to where it has been.”
I don’t like to opine on the stock market, and again I emphasize that I have no idea what the market will do in the short term. Nevertheless, I’ll follow the lead of a restaurant that opened in an empty bank building and then advertised: “Put your mouth where your money was.” Today my money and my mouth both say equities.
Warren E. Buffett is the chief executive of Berkshire Hathaway, a diversified holding company.
Op-Ed Contributor
Buy American. I Am.
By WARREN E. BUFFETT
Omaha
THE financial world is a mess, both in the United States and abroad. Its problems, moreover, have been leaking into the general economy, and the leaks are now turning into a gusher. In the near term, unemployment will rise, business activity will falter and headlines will continue to be scary.
So .. I’ve been buying American stocks. This is my personal account I’m talking about, in which I previously owned nothing but United States government bonds. (This description leaves aside my Berkshire Hathaway holdings, which are all committed to philanthropy.) If prices keep looking attractive, my non-Berkshire net worth will soon be 100 percent in United States equities.
Why?
A simple rule dictates my buying: Be fearful when others are greedy, and be greedy when others are fearful. And most certainly, fear is now widespread, gripping even seasoned investors. To be sure, investors are right to be wary of highly leveraged entities or businesses in weak competitive positions. But fears regarding the long-term prosperity of the nation’s many sound companies make no sense. These businesses will indeed suffer earnings hiccups, as they always have. But most major companies will be setting new profit records 5, 10 and 20 years from now.
Let me be clear on one point: I can’t predict the short-term movements of the stock market. I haven’t the faintest idea as to whether stocks will be higher or lower a month — or a year — from now. What is likely, however, is that the market will move higher, perhaps substantially so, well before either sentiment or the economy turns up. So if you wait for the robins, spring will be over.
A little history here: During the Depression, the Dow hit its low, 41, on July 8, 1932. Economic conditions, though, kept deteriorating until Franklin D. Roosevelt took office in March 1933. By that time, the market had already advanced 30 percent. Or think back to the early days of World War II, when things were going badly for the United States in Europe and the Pacific. The market hit bottom in April 1942, well before Allied fortunes turned. Again, in the early 1980s, the time to buy stocks was when inflation raged and the economy was in the tank. In short, bad news is an investor’s best friend. It lets you buy a slice of America’s future at a marked-down price.
Over the long term, the stock market news will be good. In the 20th century, the United States endured two world wars and other traumatic and expensive military conflicts; the Depression; a dozen or so recessions and financial panics; oil shocks; a flu epidemic; and the resignation of a disgraced president. Yet the Dow rose from 66 to 11,497.
You might think it would have been impossible for an investor to lose money during a century marked by such an extraordinary gain. But some investors did. The hapless ones bought stocks only when they felt comfort in doing so and then proceeded to sell when the headlines made them queasy.
Today people who hold cash equivalents feel comfortable. They shouldn’t. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value. Indeed, the policies that government will follow in its efforts to alleviate the current crisis will probably prove inflationary and therefore accelerate declines in the real value of cash accounts.
Equities will almost certainly outperform cash over the next decade, probably by a substantial degree. Those investors who cling now to cash are betting they can efficiently time their move away from it later. In waiting for the comfort of good news, they are ignoring Wayne Gretzky’s advice: “I skate to where the puck is going to be, not to where it has been.”
I don’t like to opine on the stock market, and again I emphasize that I have no idea what the market will do in the short term. Nevertheless, I’ll follow the lead of a restaurant that opened in an empty bank building and then advertised: “Put your mouth where your money was.” Today my money and my mouth both say equities.
Warren E. Buffett is the chief executive of Berkshire Hathaway, a diversified holding company.
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