Curso de Finanzas Personales: cmo gestionar el ahorro

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var adUnits=JSON.parse(adUnits_s); var adUnits_nc=JSON.parse(adUnits_s); var adUnits_video = { "code": "test-div-video", "mediaTypes": { "video": { "playerSize": [ 640, 360 ], "context": "instream", "plcmt": 1, "mimes": [ "video/mp4", "application/javascript" ], "protocols": [ 2, 3, 5, 6, 7 ], "linearity": 1, "api": [ 1, 2 ], "battr": [ 13, 14 ], "skippable": true, "playersize": [640, 360], "maxduration": 30, "minduration": 1, "placement": 1, "skip": 1, "playbackmethod": [3, 4, 5, 6] } }, "bids": [ { "bidder": "rubicon", "params": { "zoneId": 3460966, "siteId": 96112, "position": "atf", "accountId": 15366, "video": { "size_id": 201 } } }, { "bidder": "pubmatic", "params": { "publisherId": "161984", "adSlot": "6112273" } }, { "bidder": "richaudience", "params": { "pid": "OJ8OM7nlqu", "supplyType": "site" } }, { "bidder": "appnexus", "params": { "placementId": 34117168 } }, { "bidder": "criteo", "params": { "networkId": "1080" } }, { "bidder": "ttd", "params": { "supplySourceId": "unidad", "publisherId": "1", "placementId": "video" } }, { "bidder": "smartadserver", "params": { "siteId": "154205", "pageId": "790175", "formatId": "40183", "domain": "//prg.smartadserver.com" } } ] }; if ('portada' === getDFPCT(data)) { adUnits_video.mediaTypes.video.plcmt = 2; adUnits_video.mediaTypes.video.playbackmethod = [6] } var dfpPremium = 'std'; var posfilter = /-pr[vm]$/; if (dfpPremium === 'prm') { posfilter = /-prv$/; } else if (dfpPremium === 'prm-prw') { posfilter = /-prm$/; } var map = JSON.parse('{"div-gpt-ad-LDB1":"m","div-gpt-ad-LDB2":"c990x50b","div-gpt-ad-LDB3":"mb","div-gpt-ad-MPU1":"r","div-gpt-ad-MPU2":"rb","div-gpt-ad-MPU3":"rd","div-gpt-ad-MPU4":"rc","div-gpt-ad-SD":"sd","div-gpt-ad-SI":"si"}'); function getLazyLoad(data) { return ['c990x50_320x53b', 'mb', 'mb-prv', 'rb', 'rc', 'rd', 'rd-prm', 're', 'rf']; } const LazyLoaded = getLazyLoad(data); const rootMarginLL = '25% 0px 25% 0px'; var enableUELazyLoad = false; let prebid_not_lazyload = []; adUnits = adUnits.filter(function(item) { if (item.code in map) { if (!map[item.code].match(posfilter)) { const pos = map[item.code] item.code = data.divId + '_' + pos; item.bids.forEach(b => { if (b.bidder === 'ttd') { b.params.placementId = data.adSlots[0].adUnit + '/' + pos } }) if (!LazyLoaded.includes(pos)) { prebid_not_lazyload.push(item.code) } else { console.log('prebid LL: ', item.code) } item.optiYield = { adUnitPath: '/' + data.networkId + '/' + data.adSlots[0].adUnit, cd: { cd1: pos } } return true; } } return false; }); console.log('prebid LL: ', prebid_not_lazyload) if (typeof pbjs !== 'undefined') { pbjs.bidderSettings = { pubmatic: { allowAlternateBidderCodes: true, allowedAlternateBidderCodes: ["groupm"] } } pbjs.que.push(function() { let pbjs_config = { useBidCache: true, bidCacheFilterFunction: bid => bid.adUnitCode.indexOf('-video') === -1, cache: { url: 'https://prebid.adnxs.com/pbc/v1/cache' //url: 'https://prebid-server.rubiconproject.com/cache' }, userSync: { filterSettings: { iframe: { bidders: ['smartadserver', 'richaudience', 'pubmatic', 'rubicon', 'appnexus'], filter: 'include' } }, userIds: [{ name: "utiq" }] }, priceGranularity: "dense", enableSendAllBids: true, consentManagement: { cmpApi: 'iab', timeout: 8000, defaultGdprScope: true }, rubicon: { singleRequest: true }, ortb2: { user: { ext: { data: { IsUtiqOn: ["0"] } } } } }; try { const atid = JSON.parse(localStorage.getItem('utiqPass')).connectId.idGraph[0].atid pbjs_config.ortb2.user.ext.data.IsUtiqOn = ["1"]; } catch (err) { console.error(`getIdGraphEntry API call failed. Reason: ${err.message}`) } pbjs.setConfig(pbjs_config); pbjs.addAdUnits(adUnits); pbjs.requestBids({ timeout: 1000, adUnitCodes: prebid_not_lazyload, bidsBackHandler: function () { window.didomiOnReady = window.didomiOnReady || []; window.didomiOnReady.push(function(Didomi) { let bidsWin = pbjs.getHighestCpmBids(); if (bidsWin.find(a => a.dealId == "ramkt") || bidsWin.find(a => a.dealId == "1PsYeoooYs")) { googletag.cmd.push(function() { googletag.pubads().getSlots().filter(e => e.getSizes().find(function(size) { if (size.width == 120 && size.height == 600 || size.width == 160 && size.height == 600 || size.width == 120 && size.height == 1000 || size.width == 160 && size.height == 1000 || size.width == 450 && size.height == 1000 || size.width == 120 && size.height == 1001 || size.width == 160 && size.height == 1001 || size.width == 450 && size.height == 1001) { return size } })).forEach(a => a.setTargeting('hb_deal', ['ramkt', '1PsYeoooYs'])); }) } initAdServer(); }); } }); }); } </script> <script src="https://adtcdn.unidadeditorial.es/gexp/_gam_kv_.js"></script> <script> googletag.cmd.push(function () { googletag.pubads().setPrivacySettings({childDirectedTreatment: false}); if (typeof getDFPCT === 'function') { if ('dir' === getDFPCT(data)) { const geocached = localStorage.getItem('geocached'); if (geocached !== null) { try { data.networkId = JSON.parse(geocached).gpt_ad_id; } catch (e) { console.error('No geocached info'); } } } } try { const mtid = window.Utiq.API.getIdGraphEntry('mtid'); data.customTargeting.mtid = mtid; data.customTargeting.utiq = '1'; } catch (err) { console.error(`getIdGraphEntry API call failed. Reason: ${err.message}`) } data.customTargeting.h = document.hidden ? '1' : '0'; data.customTargeting.random1 = Math.floor(Math.random()*20+1).toString(); let random2 = sessionStorage.getItem('random2'); if (random2 === null) { random2 = Math.floor(Math.random()*5+1).toString(); sessionStorage.setItem('random2', random2); }; data.customTargeting.random2 = random2; data.customTargeting.random3 = Math.floor(Math.random()*20+1).toString(); data.customTargeting.random4 = Math.floor(Math.random()*20+1).toString(); const permid = localStorage.getItem('permutive-id'); if (permid !== null) { data.customTargeting.permid = permid; } if (typeof window?.uePermutive?.account?.googleId !== 'undefined') { data.customTargeting.gaid = window?.uePermutive?.account?.googleId; } if (typeof window?.uePermutive?.account?.hid !== 'undefined') { data.customTargeting.hid = window?.uePermutive?.account?.hid; } data.customTargeting.ct = data.adSlots[0].adUnit.split('/').pop(); if (self?.crypto?.randomUUID) { data.customTargeting.pvid = self.crypto.randomUUID(); } const suscriptor_s = sessionStorage.getItem('suscriptor'); if (suscriptor_s !== null) { const suscriptor = JSON.parse(suscriptor_s); if (suscriptor?.isPremium) { data.customTargeting.isPremium = '1'; } if (suscriptor?.isLogged) { data.customTargeting.isLogged = '1'; } } const registered = document.cookie.match('(^|;)\\s*UERegAccess\\s*=\\s*([^;]+)')?.pop(); if (registered) { data.customTargeting.IsRegistered = '1' } var autoRefreshTime = 15000; var autoRefreshTimeHEX = 24000; var autoRefreshTimeoutIds = {}; var UEautoRefreshCampaignIds = [2559776610, 483876297, 3038846356, 2098434238, 494913417, 494827977, 2106449176, 2108387998, 2106441352, 2106520950, 2106523863, 2667870692, 2668441436, 2668163671, 2668164637]; var HEXautoRefreshLineItemIds = []; if (typeof posfilter !== 'undefined') { data.adSlots = data.adSlots.filter(function (item) { return !item.customTargeting.p[0].match(posfilter); }); } var observer; if ('IntersectionObserver' in window) { observer = new IntersectionObserver( function(entries, observer) { if (window.ueUserContentGoogle === undefined ) { return }; entries.forEach(function (entry) { //if (entry.intersectionRatio > 0) { if (entry.isIntersecting) { //var divParts = entry.target.id.split('_'); //var slotData = data.adSlots.find(function(e) { return divParts[1] === e.customTargeting.p[0] }) observer.unobserve(entry.target); var slotData = data.adSlots.find(function(e) { return entry.target.id.replace(/_\d+_/, "_") === e.divId }) if (slotData) { var slot; if (slotData.sizes) { slot = googletag.defineSlot('/' + data.networkId + '/' + slotData.adUnit, slotData.sizes, entry.target.id); } else { slot = googletag.defineOutOfPageSlot('/' + data.networkId + '/' + slotData.adUnit, entry.target.id); } if (slot) { //console.log('LazyLoad: observer ', entry.target.id); for (var key in slotData.customTargeting) { if (slotData.customTargeting.hasOwnProperty(key)) { slot.setTargeting(key, slotData.customTargeting[key]); } } slot.setTargeting('lzld', '1'); if (typeof Adomik !== 'undefined') { slot.setTargeting('ad_group', Adomik.randomAdGroup()); } slot.addService(googletag.pubads()); refreshSlot(slot); } else { // refresh ??? 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EXPANSIÓN ofrece todas las claves para la gestión de sus ahorros en plena rebaja de los tipos de interés.</p> <h2 id="depositos-a" class="cintillo">Depósitos, cuentas remuneradas, Letras, planes de pensiones, metales preciosos y arte</h2> <ul class="pasos"> <li><a href="https://www.expansion.com/ahorro/2024/09/20/66edb599e5fdea95098b45ab.html" title="Los mejores depósitos para ganar hasta un 4%"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_cajero_deutsche_bank_peq.jpg" alt="Imagen de una sucursal de Deutsche Bank"></figure> <span>Los mejores depósitos para ganar hasta un 4%</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/21/66eef9fb468aebc30c8b4594.html" title="Pagos en efectivo hasta 500 euros por domiciliar nómina"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_manos_con_regalo_peq.jpg" alt="Imagen de las manos juntas de un hombre con un regalo"></figure> <span>Pagos en efectivo hasta 500 euros por domiciliar nómina</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/23/66f0a0b9468aeb61478b45a6.html" title="Así son las cuentas remuneradas con rentabilidades de hasta el 3,5%"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_manos_con_billetes_peq.jpg" alt="Imagen de la mano de una mujer sujetando varios billetes de dinero"></figure> <span>Así son las cuentas remuneradas con rentabilidades de hasta el 3,5%</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/23/66f19a72468aeb8b688b458a.html" title="Las Letras del Tesoro aún ofrecen rentabilidades atractivas para el inversor"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_personas_haciendo_cola_letras_tesoro_peq.jpg" alt="Imagen de personas haciendo cola para contratar Letras del Tesoro"></figure><span>Las Letras del Tesoro aún ofrecen rentabilidades atractivas para el inversor</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/24/66f19d20e5fdea06048b4575.html" title="Cómo tributan los productos de ahorro"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_oficina_renta_peq.jpg" alt="Imagen de brotes verdes sobre billetes"></figure> <span>Cómo tributan los productos de ahorro</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/24/66f2f3c3e5fdeac45a8b458e.html" title="Planes de pensiones: el gran cambio que llega en enero"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_ministra_inclusion_peq.jpg" alt="Imagen de la ministra de Inclusión, Seguridad Social y Migraciones, Elma Saiz"></figure> <span>Planes de pensiones: el gran cambio que llega en enero</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/25/66f2fa4f468aebb77d8b4577.html" title="Siete claves para sacar el máximo partido a los planes de pensiones"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_runners_peq.jpg" alt="Imagen de runners"></figure> <span>Siete claves para sacar el máximo partido a los planes de pensiones</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/26/66f446f4468aeb324d8b45bf.html" title="Los productos de ahorro más conservador con rentabilidades de hasta el 3%"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_collage_entidades_bancarias_peq.jpg" alt="Imagen de varias entidades bancarias"></figure> <span>Los productos de ahorro más conservador con rentabilidades de hasta el 3%</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/26/66f44b68e5fdea021f8b4592.html" title="Depósitos en divisas elevar la rentabilidad"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_sucursal_bankinter_peq.jpg" alt="Imagen de una sucursal de Bankinter"></figure> <span>Depósitos en divisas elevar la rentabilidad</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/27/66f5a644468aebf8248b4573.html" title="Oro: un activo en máximos y con potencial alcista"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_lingote_oro_peq.jpg" alt="Imagen con gr醘ico de burbujas del mercado inmobiliario en España"></figure> <span>Oro: un activo en máximos y con potencial alcista</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/27/66f5a77ce5fdeadb058b4597.html" title="Capital riesgo y arte para diversificar carteras"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_bolsa_artex_peq.jpg" alt="Imagen de Artex, la Bolsa de arte, en su presentación"></figure> <span>Capital riesgo y arte para diversificar carteras</span></a></li> </ul> <h2 id="vivienda-a" class="cintillo">Invertir en casas, garajes y locales comerciales. Hipotecas a tipo fijo, variable y mixtas</h2> <ul class="pasos"> <li><a href="https://www.expansion.com/ahorro/2024/09/27/66f6e297468aeb50798b4570.html" title="La compra de casas para invertir alcanza una rentabilidad del 7%"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_mapa_rentabilidades_por_provincia_peq.jpg" alt="Imagen del mapa de España con la rentabilidad por provincias"></figure> <span>La compra de casas para invertir alcanza una rentabilidad del 7%</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/09/30/66fabeb9e5fdeada088b459a.html" title="Guerra hipotecaria: estas son las mejores ofertas del mercado"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_sucursales_bancos_peq.jpg" alt="Imagen de varias sucursales de bancos"></figure> <span>Guerra hipotecaria: estas son las mejores ofertas del mercado</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/01/66faf0dee5fdeadf538b45c3.html" title="Cómo sacar el máximo partido fiscal a la inversión inmobiliaria"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_maria_jesus_montero_peq.jpg" alt="Imagen de la vicepresidenta primera y ministra de Hacienda, María Jesús Montero"></figure> <span>Cómo sacar el máximo partido fiscal a la inversión inmobiliaria</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/01/66fc3252e5fdea394e8b4586.html" title="Plataformas inmobiliarias para conseguir rentabilidades de doble dígito"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_proyecto_inmobiliario_urbanitae_peq.jpg" alt="Imagen del proyecto inmobiliario Salvia II, que se desarrolla en Marbella"></figure> <span>Plataformas inmobiliarias para conseguir rentabilidades de doble dígito</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/03/66fd7aea468aeb217c8b4590.html" title="Las plazas de garaje rentan más del 6%"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_plaza_garaje_peq.jpg" alt="Imagen de un coche dentro de un garaje"></figure> <span>Las plazas de garaje rentan más del 6%</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/21/67162913e5fdea260a8b4590.html" title="Oficinas y locales con rendimientos 'top'"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_sucursal_santander_peq.jpg" alt="Imagen de una sucursal del Banco Santander"></figure> <span>Oficinas y locales con rendimientos 'top'</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/21/67162cbe468aebd10b8b45bd.html" title="La subrogación de la hipoteca, una opción aún atractiva"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_casa_obra_nueva_peq.jpg" alt="Imagen de una casa de obra nueva en Madrid"></figure> <span>La subrogación de la hipoteca, una opción aún atractiva</span></a></li> </ul> <h2 id="fondos-a" class="cintillo">Fondos de inversión, renta fija pública y privada, dividendos y criptomonedas</h2> <ul class="pasos"> <li><a href="https://www.expansion.com/ahorro/2024/10/04/6700179de5fdea336a8b4581.html" title="Así funcionan los supermercados de fondos de inversión"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_sucursal_EBN_peq.jpg" alt="Imagen de una sucursal de EBN Banco"></figure> <span>Así funcionan los supermercados de fondos de inversión</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/06/6702fadae5fdea9e0e8b457d.html" title="Dividendos para proteger la cartera: estos son los líderes europeos"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_piezas_puzzle_peq.jpg" alt="Imagen de piezas de puzzle cayendo del cielo"></figure> <span>Dividendos para proteger la cartera: estos son los líderes europeos</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/08/67040c7f468aebab0c8b458b.html" title="Así cambia la inversión en renta fija"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_collage_valores_bolsa_peq.jpg" alt="Imagen de charts y valores de bolsa"></figure> <span>Así cambia la inversión en renta fija</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/08/67040fe8468aeb36048b4595.html" title="Reglas de oro para invertir en activos de bajo riesgo"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_rodrigo_buenaventura_peq.jpg" alt="Imagen de Rodrigo Buenaventura, presidente de la CNMV"></figure> <span>Reglas de oro para invertir en activos de bajo riesgo</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/09/67058e86e5fdea28448b4593.html" title="Las criptomonedas se abren paso en las carteras"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_monedas_bitcoin_peq.jpg" alt="Imagen de monedas de bitcoin con gr醘ico de fondo"></figure> <span>Las criptomonedas se abren paso en las carteras</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/09/6706b97a468aeb034f8b45b6.html" title="Los fondos agresivos, conservadores y equilibrados más recomendados"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_moneda_euro_peq.jpg" alt="Imagen de moneda de euro"></figure> <span>Los fondos agresivos, conservadores y equilibrados más recomendados</span></a></li> <li><a href="https://www.expansion.com/ahorro/2024/10/11/67082a21468aeb7d268b458f.html" title="Criptos, un activo con letra pequeña"><figure><img src="https://e00-expansion.uecdn.es/estaticas/imagenes/especiales/2024/curso-finanzas-personales/foto_moneda_bitcoin_peq.jpg" alt="Imagen de una casa sobre una mesa"></figure> <span>Criptos, un activo con letra pequeña</span></a></li> </ul> </div> </article> <div class="nota"> <p><em>Curso coordinado por <strong>Enrique Utrera</strong></em></p> </div> </div> </div> </div> </section> </div> </main> <div class="container"> <div class="publicidad publicidad-inferior"> <div id='div-gpt-ad-ahorro_e_mb'> <script type='text/javascript'> googletag.cmd.push(function () { googletag.display('div-gpt-ad-ahorro_e_mb'); }); </script> </div> </div> </div> <footer class="site-footer horizontal"> <div class="container container-editions-footer"> <div class="js-botonera-toggle arrow-toggle"><span>Ediciones</span></div> <ul class="about-list"> <li class="list-option 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