Norz Patrimonia’s approach highlights the importance of knowing each saver, defining firm strategies and diversifying through criteria to safeguard assets against risk stress. In an economic environment marked by volatility, geopolitical changes and the constant evolution of markets, managing assets requires both discipline and strategic vision. For us at Norz Patrimonia, portfolio construction begins by …
Podcast: drop in interest in sight…
Jordi Martret, Investment Director at Norz Patrimonia, analyzes a week prior to a more than possible drop in interest rates, how the problems of the German government coalition may affect the German investment plan in 2026 and its expectations and how little the markets like Mr. Hasset, Trump’s economic advisor and candidate to replace Powell …
When the size of the heritage is decisive
In calm markets, we all think we know our risk tolerance level. However, it is in periods of volatility when it becomes clear whether this profile is real or just aspirational. I have seen investors who considered themselves “very aggressive” until their portfolio fell by –28% in 2022. It is in those moments when true …
Mario (22 years old), farmer: “In the countryside you can earn about 70 euros a day, that is, about 1,540 euros a month, but I can’t find Spaniards who want to work”
Agriculture is going through a deep generational change crisis that threatens the sustainability and viability of the sector. For this reason, agricultural organizations, such as ASAJA, warn about the shortage of labor and demand, among other measures, the relaxation of regulations to be able to hire immigrants in an irregular …
Price of electricity today, December 1, 2025, by hour: the cheapest and most expensive hours within the PVPC
The average price of electricity for consumers with a regulated or indexed tariff in the free market will be 168.03 euros/MWh this Monday, December 1, 2025, as stated by Red Eléctrica. This represents an increase of 42.75% compared to the sunday pricewhich means an increase of 50.32 euros. It must …
Oswaldo Martín (75 years old), retired with a pension of 900 euros per month: “I worked for 22 years from 12:30 at night to 12 noon for 1,500 euros”
Oswaldo Martín, 75 years old, born in Argentina and resident in Spain for 22 years, embodies the reality of many foreign workers who retire after careers built entirely in this country. After two decades working as a baker in our country, he receives a pension of about 900 euros per …