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Diversification, Profitability and Added Value
IT IS NOT ENOUGH TO TEACH OUR CHILDREN HOW TO EARN MONEY. WE MUST ALSO TEACH THEM WHAT TO DO WITH IT.
31/10/2026
There is something that particularly strikes me when we talk about the economic future of younger generations. We place enormous importance on their academic education, their career opportunities and ensuring that they earn a good income, yet we barely talk about how they should manage the money they will earn throughout their lives.
We seem to take it for granted that studying, getting a good job and earning a good salary are enough to achieve financial stability. And, quite frankly, I believe this is one of the most significant misconceptions in the way we approach things as a society.
DON’T FOCUS SOLELY ON RETURNS: HOW TO ANALYSE AN INVESTMENT FUND.
23/10/2026
A common question when discussing investing is: Where can I invest my money without taking on excessive risk?
Everyone has a different financial situation, objectives and risk tolerance, which means that there are no universal solutions that are suitable for everyone. However, the question makes perfect sense.
WHAT IF THE NEXT REAL ESTATE MISTAKE WERE WAITING FOR 2008 TO HAPPEN AGAIN?
27/09/2026
There is one word that keeps appearing every time housing reaches new highs: bubble.
In Spain, this is understandable. The memory of 2008 is still very much present and shapes the way many buyers interpret the current market. When prices rise, the temptation to wait for a new crisis in order to buy more cheaply increases.
THE VALUE OF THINKING LONG TERM.
28/07/2026
There is a fundamental difference between someone who owns assets and someone who assumes the responsibility of preserving and passing on what they have built. The former describes an economic reality; the latter reflects an attitude towards life. What is built over the course of a lifetime is not simply the sum of assets, investments or properties. It is the embodiment of decades of hard work, of decisions both right and wrong, of risks taken and sacrifices that rarely find their way onto a balance sheet.
THREE IMPORTANT CONVERSATIONS EVERY PARENT SHOULD HAVE WITH THEIR CHILDREN.
30/05/2026
There are conversations that every parent should have with their children before the world imposes fragmented —or, at times, openly distorted— versions of reality upon them. It is not a lack of talent that limits people, but rather the mistaken ideas that are internalized too early and questioned too late. Children may not remember every piece of advice. But they never forget the way certain words taught them to see the world.
TO ADVANCE OR TO LIVE: THE NEW DILEMMA OF PROFESSIONAL SUCCESS.
20/04/2026
This is reflected in a recent newspaper article, which describes how an increasing number of qualified workers are choosing to turn down promotions in order to preserve their quality of life.
For decades, career advancement has functioned as the backbone of working life. More responsibility, higher pay, greater status: an apparently unquestionable equation. Yet what we are witnessing today is a breakdown of that psychological contract between employee and employer. Not because ambition has disappeared, but because its object has changed.
THE FALSE NORMALITY OF MARKETS IN TIMES OF WAR.
11/03/2026
The Pattern That Repeats in Every Conflict.
Financial markets have a remarkable ability to adapt to almost any circumstance. Political crises, trade tensions, or armed conflicts often trigger immediate reactions: stock market declines, spikes in strategic commodities and capital flows toward assets perceived as safer. However, after this initial adjustment, a reassuring narrative usually emerges that begins to dominate investor discourse: the idea that everything will soon return to normal.
RETIREMENT AT 70? THE COST OF PRECARITY FOR YOUNG PEOPLE.
03/07/2025
Labor precarity is already shaping the type of retirement that young Spaniards will be able to aspire to in four decades. And it will do so regressively, amplifying social and economic inequalities throughout their lives.
In 2024, the youth employment rate (43.2%) remains 15 points below pre-2008 financial crisis levels. This delay in entering the labor market stems from an economic model that, far from rewarding educational investment or mobility, systematically penalizes young workers with unstable contracts and fragmented career paths.
WHY DOES YOUR SALARY INCREASE BUT YOUR LIFE DOESN’T IMPROVE?
24/06/2025
The real disposable income of households remains below the levels of 17 years ago. This phenomenon is not new, but it has worsened in the last legislature.
Spanish households today pay 14.4% more in income tax (IRPF) than in 2008, even though their real disposable income has fallen by 4.3%. This gap can be explained by the effect of inflation on a tax system that has remained frozen in its nominal parameters: personal allowances, deductions, bonuses, and especially tax brackets.
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