In full economic uncertainty, both because of the current problem that exists with housing, and for pension reform or inflation that shows data such as July IPC, knowing where to invest how little we are able to save can be a key factor for our future.
Finance expert Javier Rumbo wanted to respond to many of the users who do not know how to allocate their savings. The content creator (@jpfincial2024 in Tiktok) has stopped in the case of a 43 -year -old user, who specifically asked what he should do with the 300 euros he saves every month thinking about his retirement.
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Rumbo is clear: “With 300 euros per month I would not complicate my life” and dedicate that amount to invest in the MSCI World index, an ideal option to take advantage of global growth efficiently, he recommends. One more lesson on savings, after seeing with other experts also how to invest 100 euros of savings, another quite common amount.
Investing in MSCI World is investing in the best companies
And why dedicate savings to the MSCI World? Because this index includes hundreds of large and medium capitalization companies that are distributed in 23 developed countries, fully profitable companies such as Apple, Microsoft, Nestlé or Toyota.
The financial advisor defines it like this: “It is the index of the best companies in the world.” And it is precisely that amplitude and stability that makes it an interesting option for those who seek to accumulate capital without complicating.
The age at which you begin to invest is important. With 43 years, if you can maintain a constant contribution for 20 years, accumulated capital can be significant, especially if it is invested in a product with growth potential and low commissions.
“With 20 more years, you will have a good capital to be able to retire somewhat quieter.”
A global index to “forget” investment
For the expert it is not about becoming rich, but rather having a solid financial support for the future. In addition, it is a simpler strategy than it seems. It is a practical and direct approach. In the world of investments, especially for those who are starting, it is common to fall into the trap of envelope.
The abundance of data, analysis and opinions can be overwhelming, easily leading to paralysis by analysis or, worse, to make little grounded decisions.
To fight against excess information, heading advises to follow a clear strategy: automate investments in a global index, keep them over time and forget about market noise.
Instead of trying to anticipate which action more or how active is fashionable, its proposal is to trust the global economy. Diversification is incorporated and the risk, moderate in the long term.
Where to start?
Today it is simpler than ever to follow this advice: there are indexed funds and ETFs that replicate the MSCI World.
You can hire them on several ways: traditional banks, brockers or digital platforms specialized in investment. All these options provide a lot of flexibility and accessibility for different profiles.
In addition, many entities allow you to set monthly automatic contributions, which simplifies the process and favors the constancy and habit of investing in the long term.
Of course, before investing, some aspects should be clear: understand the product well, review the commissions, know their taxation and verify that it fits your risk profile.