K209. Jordi Mercader. Dejar correr las ganancias
Descripción del Episodio
Tu tolerancia a la volatilidad determina tus ganancias. Cuando miras el histórico de la bolsa americana, el S&P500 está en negativo el 46% de los días, el 26% de los años y el 6% de las décadas. En otras palabras, si inviertes a largo plazo ganas siempre dinero, pero antes tienes que aprender a dormir tranquilo con tu cartera en negativo. Una vez aceptas eso, tu estrategia cambia por completo. La mayoría de la gente, que nunca llega a comprender la dinámica, reduce al máximo su exposición a la volatilidad, en su carrera y en su cartera, quedándose con las apuestas más conservadoras y aburridas. Temen perder más de lo que les gusta ganar, nunca están en negativo, pero tampoco sacan nada interesante de la vida. La Cartera K, que presentamos con Jordi en este episodio, quiere animarte a proteger tu capital con una diversificación más llevadera.
Me hace especial ilusión comercializar un producto que protegerá tus ahorros en estos tiempos inciertos. Pablo González Vidal, mi socio en El Proyecto K, ha configurado una magnífica cartera de inversión con una diversificación sectorial. La cartera, que invierte mediante ETFs de bajo coste, ofrece exposición de renta variable en 6 sectores: tecnología, salud, consumo, utilities, energía e inmobiliario. Todos ellos con un comportamiento distinto y con un peso previamente fijado, para así evitar una sobrerrepresentación. Se añade luego un porcentaje de renta fija y oro, en función de la respuestas en el perfil de riesgo, dándole la mayor robustez. Hemos decidido llamarla La Cartera K y funcionará como un roboadvisor que rebalanceará todas las posiciones automáticamente una vez al año. Puedes ya contratarla en inbestMe.
La Cartera K. Invierte en lo que no cambia.
La Cartera K es la evolución lógica de El Proyecto K. Abrimos el taller de inversión para que la gente aprendiera a construirse su propia estrategia diversificada. Ahora te damos la oportunidad de invertir directamente en una cartera que sigue los principios en los que creemos: indexación, activos descorrelacionados y bajos costes. Encontrarás todos los detalles aquí. Si quieres utilizar este nuevo vehículo de inversión para proteger tu capital, el proceso de alta no podría ser más simple: tienes que simplemente abrirte una cuenta en inbestMe y una vez dentro contratar tu propia Cartera K, ajustada a tu perfil de riesgo. Jordi Mercader es el CEO de inbestMe y quiero decir que no podríamos haber encontrado un socio mejor para lanzar este producto, en una plataforma de inversión que ofrece todas las garantías.
Si tienes cualquier duda, escríbeme a [email protected]
Índice:
0:32 Los bancos solo ofrecen el producto conservador que los clientes piden.
8:26 Perder un 5% para ganar un 10%.
16:44 No quieres saber el precio de tu piso.
23:06 El mercado sube por las escaleras y baja por el hueco del ascensor.
27:35 El perfil de riesgo lo descubres cuando te la pegas.
39:52 Miedo irracional a comprar en máximos.
49:28 Inversores que nunca conocieron un mercado bajista.
52:01 Las locas carteras de los zoomers.
57:23 ¿Quién necesita al asesor financiero?
1:06:18 Hermès piensa en el largo plazo.
1:14:57 Si vende en outlet no es tan lujo.
1:18:14 No logo.
1:27:44 Presentamos las Carteras K en InbestMe.
Apuntes:
Pensar rápido, pensar despacio. Daniel Kahneman.
Have you ever tried to sell a diamond? Edward Jay Epstein.
The secret economics of the Birkin bag. The Economist.
Lois Vuitton. Acquired.
Hermès. Acquired.
Rolex. Acquired.
Mad men. Matthew Weiner.
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