{"id":504,"date":"2021-02-06T18:05:52","date_gmt":"2021-02-06T18:05:52","guid":{"rendered":"http:\/\/nerdonfi.re\/?p=504"},"modified":"2021-02-21T09:00:22","modified_gmt":"2021-02-21T09:00:22","slug":"mi-patrimonio","status":"publish","type":"post","link":"https:\/\/nerdonfi.re\/?p=504","title":{"rendered":"Mi Patrimonio &#8211; Resumen 2020"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Filosof\u00eda<\/h1>\n\n\n\n<p>En esta p\u00e1gina desnudo mi cartera actual, su valor, su evoluci\u00f3n,  asignaciones, y planes de futuro. Dos cosas a remarcar:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Tengo <strong>mucho efectivo<\/strong> porque quiero comprar viviendas de alquiler y para vivir pronto.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Soy <strong>minimalista <\/strong>en muchos aspectos de mi vida, incluidas las finanzas personales. No estoy interesado en tener dos trabajos. Por lo tanto, las inversiones que hago suelen ser bastante <strong>pasivas<\/strong>. No me atrae comprar acciones, ni en flipping, ni otras estrategias que consuman mucho de mi tiempo.<\/li><\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Evoluci\u00f3n<\/h1>\n\n\n\n<p>Actualmente estoy en 280k euros. En el siguiente gr\u00e1fico se puede ver la evoluci\u00f3n de mi patrimonio los \u00faltimos 2 a\u00f1os:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"427\" src=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1024x427.png\" alt=\"\" class=\"wp-image-555\" srcset=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1024x427.png 1024w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-300x125.png 300w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-768x320.png 768w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1536x641.png 1536w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Mi patrimonio aument\u00f3:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>2019: <strong>43K euros<\/strong> (29%) de 150k a 193k.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>2020: <strong>75K euros<\/strong> (43%) de 193k a 276k.<\/li><\/ul>\n\n\n\n<p><strong>\u00a0<\/strong>En 2020, mi patrimonio aument\u00f3 en 75k euros, y gast\u00e9 12.2k euros. Con mi nuevo trabajo y inversiones, estimo que lo voy a superar en 2021. Aunque esto no me obsesiona, es una carrera de fondo.<\/p>\n\n\n\n<p>Contado los ingresos pasivos de mi cartera y mis activos del salario, <strong>mi tasa de ahorro fue del 83%.<\/strong> No tengo hijos, vivo de alquiler, y 2020 fue un a\u00f1o de estar por casa. A largo plazo, no creo que esta tasa de ahorro la mantenga muchos a\u00f1os.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">&nbsp;Mi Cartera<\/h1>\n\n\n\n<p>&nbsp;En el siguiente gr\u00e1fico pod\u00e9is ver la asignaci\u00f3n actual de mi patrimonio, actualizada por \u00faltima vez en Febrero 2021.&nbsp;<\/p>\n\n\n\n<p>Casi toda mi inversi\u00f3n es con <strong>fondos indexados<\/strong>, incluido mi plan de pensi\u00f3n, con una cartera t\u00edpica <strong>boglehead<\/strong>: 90% renta variable (msci world+emergentes,+small+reits) y 10% renta fija. Esto hace que el beneficio esperado a largo plazo sea alto, pero tambi\u00e9n la volatilidad. No soy partidario de una cartera permanente ya que tiene comisiones mucho mayores y rentabilidad esperada mucho m\u00e1s baja, quiz\u00e1 en 20-30 a\u00f1os cambie mi estrategia.<\/p>\n\n\n\n<p>Tengo mucho <strong>efectivo<\/strong>, me gustar\u00eda comprar 2-3 propiedades de <strong>alquiler de larga duraci\u00f3n<\/strong>. La vivienda tiene muy poca volatilidad, mantiene su valor durante las crisis, y da una buena rentabilidad (4%-6% neto) comparado con la renta fija o otras inversiones menos vol\u00e1tiles.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"633\" src=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1-1024x633.png\" alt=\"\" class=\"wp-image-556\" srcset=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1-1024x633.png 1024w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1-300x185.png 300w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1-768x474.png 768w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1-1536x949.png 1536w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Ingresos<\/strong> &#8211; Activos<\/h1>\n\n\n\n<p>En el siguiente gr\u00e1fico se puede ver el sueldo neto mensual y su evoluci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"317\" src=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-5-1024x317.png\" alt=\"\" class=\"wp-image-570\" srcset=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-5-1024x317.png 1024w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-5-300x93.png 300w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-5-768x237.png 768w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-5-1536x475.png 1536w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-5.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>En Septiembre, dej\u00e9 mi trabajo con <strong>EvilCorp1<\/strong> y empec\u00e9 mi nuevo trabajo con <strong>EvilCorp2<\/strong>. Ese mes cobr\u00e9 finiquito + acciones, parte de mi sueldo es en <em>restricted stock units (RSU)<\/em>, que hacia <em>vesting<\/em> ese mes. El mes siguiente tuve la paga doble, es por ese motivo que hay ese pico en octubre-noviembre 2020.<\/p>\n\n\n\n<p>Aunque parezca que cobro lo mismo en <strong>EvilCorp2<\/strong>, he pasado de cobrar <strong>~90k<\/strong> a cobrar <strong>115k<\/strong>. Pero tengo 14 pagas en lugar de 12, y mucho me lo pagan en acciones una vez al a\u00f1o. As\u00ed que veremos muchos picos en los siguientes meses.<\/p>\n\n\n\n<p>En el siguiente gr\u00e1fico pod\u00e9is ver la relaci\u00f3n ahorro y gastos. Como v\u00e9is soy bastante frugal y no cambio mi ritmo de vida aunque aumenten mis ingresos. <\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"321\" src=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-3-1024x321.png\" alt=\"\" class=\"wp-image-558\" srcset=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-3-1024x321.png 1024w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-3-300x94.png 300w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-3-768x240.png 768w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-3-1536x481.png 1536w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-3.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h1 class=\"wp-block-heading\">Ingresos &#8211; Pasivos<\/h1>\n\n\n\n<p>En el siguiente gr\u00e1fico se puede ver la evoluci\u00f3n de mis ingresos pasivos.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"414\" src=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-4-1024x414.png\" alt=\"\" class=\"wp-image-566\" srcset=\"https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-4-1024x414.png 1024w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-4-300x121.png 300w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-4-768x310.png 768w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-4-1536x620.png 1536w, https:\/\/nerdonfi.re\/wp-content\/uploads\/2021\/02\/image-4.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>A destacar <strong>la gran volatilidad<\/strong>, que espero reducir pronto con propiedades de alquiler.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>Futuro<\/strong><\/h1>\n\n\n\n<p>Quiero comprar una o dos propiedades de alquiler de larga duraci\u00f3n. Luego ajustar mi fondo de emergencia y mover el resto a fondos indexados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Filosof\u00eda En esta p\u00e1gina desnudo mi cartera actual, su valor, su evoluci\u00f3n, asignaciones, y planes de futuro. Dos cosas a remarcar: Tengo mucho efectivo porque quiero comprar viviendas de alquiler y para vivir pronto. Soy minimalista en muchos aspectos de mi vida, incluidas las finanzas personales. No estoy interesado en tener dos trabajos. Por lo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"off","ocean_gallery_id":[],"footnotes":""},"categories":[13,15],"tags":[14],"class_list":["post-504","post","type-post","status-publish","format-standard","hentry","category-finanzas","category-finanzas-ultimo","tag-finanzas-ultimo","entry"],"_links":{"self":[{"href":"https:\/\/nerdonfi.re\/index.php?rest_route=\/wp\/v2\/posts\/504","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nerdonfi.re\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nerdonfi.re\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nerdonfi.re\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nerdonfi.re\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=504"}],"version-history":[{"count":14,"href":"https:\/\/nerdonfi.re\/index.php?rest_route=\/wp\/v2\/posts\/504\/revisions"}],"predecessor-version":[{"id":640,"href":"https:\/\/nerdonfi.re\/index.php?rest_route=\/wp\/v2\/posts\/504\/revisions\/640"}],"wp:attachment":[{"href":"https:\/\/nerdonfi.re\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=504"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nerdonfi.re\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=504"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nerdonfi.re\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=504"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}