{"id":85119,"date":"2021-04-23T11:36:04","date_gmt":"2021-04-23T11:36:04","guid":{"rendered":"http:\/\/www.pelayo.com\/teloaseguro\/?p=84431"},"modified":"2021-12-15T15:26:55","modified_gmt":"2021-12-15T15:26:55","slug":"que-hacer-ahorros","status":"publish","type":"post","link":"https:\/\/www.pelayo.com\/teloaseguro\/vida-y-salud\/que-hacer-ahorros\/","title":{"rendered":"\u00bfQu\u00e9 hacer con tus\u00a0ahorros?\u00a0"},"content":{"rendered":"<p><b><span data-contrast=\"none\">El impacto econ\u00f3mico de la pandemia tambi\u00e9n se ha visto reflejado en los \u00edndices de ahorro. Sin viajes, vacaciones o la posibilidad de disfrutar de las habituales opciones de ocio, en el \u00faltimo trimestre de 2020 la tasa de ahorro alcanzaba un m\u00e1ximo hist\u00f3rico con un 24,4% de la renta disponible. \u00bfC\u00f3mo\u00a0<\/span><\/b><b><span data-contrast=\"none\">sacarles<\/span><\/b><b><span data-contrast=\"none\">\u00a0rentabilidad a los ahorros de la pandemia?<\/span><\/b><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Una de las m\u00e1ximas\u00a0<\/span><span data-contrast=\"none\">financieras<\/span><span data-contrast=\"none\">\u00a0es que\u00a0<\/span><b><span data-contrast=\"none\">el dinero que no se\u00a0<\/span><\/b><b><span data-contrast=\"none\">invierte<\/span><\/b><b><span data-contrast=\"none\">\u00a0es dinero que pierde valor<\/span><\/b><span data-contrast=\"none\">. \u00bfHas conseguido ahorrar algo de capital durante la pandemia? Si no tienes intenci\u00f3n de gastarlo de forma inmediata, <a href=\"https:\/\/www.pelayo.com\/teloaseguro\/vida-y-salud\/que-es-seguro-amortizacion-prestamos\/\">s\u00e1cale rentabilidad con la contrataci\u00f3n<\/a> de alg\u00fan producto financiero.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">La opci\u00f3n m\u00e1s accesible (aunque la menos rentable) es la de los\u00a0<\/span><b><span data-contrast=\"none\">dep\u00f3sitos bancarios<\/span><\/b><span data-contrast=\"none\">.\u00a0<\/span><span data-contrast=\"none\">Un m\u00e9todo<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">d<\/span><span data-contrast=\"none\">e ahorro a corto plazo orientado<\/span><span data-contrast=\"none\">\u00a0a los perfiles m\u00e1s conservadores: se comercializan a plazos breves y, aunque los intereses generados no son muy altos, podr\u00e1s disponer de tu dinero frente a cualquier imprevisto. Con\u00a0<\/span><span data-contrast=\"none\">todo, no conviene depositar todos los ahorros en este tipo de productos, sino\u00a0<\/span><b><span data-contrast=\"none\">diversificar la inversi\u00f3n<\/span><\/b><span data-contrast=\"none\">\u00a0con otras soluciones a medio y a largo plazo.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">Alternativas de inversi\u00f3n a <\/span><span data-contrast=\"none\">medio<\/span><span data-contrast=\"none\">\u00a0y a largo plazo<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Invertir con \u00e9xito los ahorros de la pandemia es\u00a0<\/span><span data-contrast=\"none\">encontrar el producto financiero que mejor se adapte a tu perfil y al tipo de retornos a los que aspiras.\u00a0<\/span><span data-contrast=\"none\">Entre las alternativas a de inversi\u00f3n a medio plazo est\u00e1n:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"17\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Seguros de ahorro:\u00a0<\/span><\/b><span data-contrast=\"none\">f\u00f3rmulas flexibles con aportaciones peri\u00f3dicas que puedes ajustar a tus recursos. Conviene contratar un\u00a0<\/span><a href=\"https:\/\/www.pelayo.com\/seguros-vida\/planes-ahorro-inversion\"><span data-contrast=\"none\">plan de ahorro e inversi\u00f3n<\/span><\/a><span data-contrast=\"none\">\u00a0que te permita retirar\u00a0<\/span><span data-contrast=\"none\">tu dinero<\/span><span data-contrast=\"none\">\u00a0sin penalizaciones.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"17\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Pensiones individuales:\u00a0<\/span><\/b><span data-contrast=\"none\">en forma de planes de seguros (SIALP) o cuentas de pensiones (CIALP), son flexibles, no tributan durante los primeros 5 a\u00f1os y est\u00e1n orientados a obtener un extra de capital en un\u00a0<\/span><span data-contrast=\"none\">plazo relativamente corto<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">En cuanto a las inversiones a largo plazo, las f\u00f3rmulas en auge son:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"18\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Robo\u00a0<\/span><\/b><b><span data-contrast=\"none\">advisor<\/span><\/b><b><span data-contrast=\"none\">:\u00a0<\/span><\/b><span data-contrast=\"none\">carteras de inversi\u00f3n automatizadas en las que una empresa de\u00a0<\/span><span data-contrast=\"none\">Fi<\/span><span data-contrast=\"none\">n<\/span><span data-contrast=\"none\">Tech<\/span><span data-contrast=\"none\">\u00a0se encarga de gestionar el dinero de tus dep\u00f3sitos.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"18\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Planes de pensiones de empleo:\u00a0<\/span><\/b><span data-contrast=\"none\">orientados espec\u00edficamente al ahorro para la jubilaci\u00f3n y con interesantes rebajas fiscales (deducci\u00f3n m\u00e1xima de hasta 10.000 \u20ac en el IRPF).\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><img src=\"http:\/\/www.pelayo.com\/teloaseguro\/wp-content\/uploads\/2021\/04\/ahorros-seguro.jpg\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El impacto econ\u00f3mico de la pandemia tambi\u00e9n se ha visto reflejado en los \u00edndices de ahorro. Sin viajes, vacaciones o<\/p>\n","protected":false},"author":1,"featured_media":85120,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 hacer con tus ahorros? - Te lo aseguro - Pelayo<\/title>\n<meta name=\"description\" content=\"\u00bfQuieres aprender las mejores recomendaciones sobre tus ahorros? 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