En esta ocasión quiero hablarles de la importancia de tener ahorros para la educación de sus hijos, he podido ver entre mi familia, clientes, amigos, que cuando llega el momento de la educación universitaria o superior de sus hijos, tienen que endeudarse para poderle hacer frente a altos costos para poder que sus hijos puedan obtener un diploma universitario. Empecemos por analizar varias cosas y escenarios.
Tu edad: puede que tengas 50 años de edad promedio cuando tus hijos cumplan 18 años y es hora de enviarlos a la universidad, claro dado el caso que sea una universidad privada o que estudie alguna carrera en el extranjero. A esta edad ya deberías tener tu casa paga y estar libre de deudas o estar muy próximo a terminar de pagarlas. Estás justo por tomarte un respiro, y ¡BOOM! De nuevo tienes que endeudarte. Tomar un préstamo a esta edad no solo puede afectarte emocionalmente sino puede afectar tus finanzas y tus planes de retiro.
Estás endeudado a los 50: se ve mucho de personas que a los 50 años todavía están muy endeudados a causa de malas decisiones financieras que tomaron a lo largo de los años, y que ni siquiera pueden ser fiadores para sus hijos en un préstamo estudiantil, en este caso se puede recurrir a familia o amigos, pero es algo un poco engorroso de hacer y el ser fiador no le agrada a todo el mundo, ni tampoco es algo que te recomiendo.
¿Cómo te visualizas cuando llegue este momento?
TIPS QUE TE AYUDARÁN A PLANIFICARTE PARA LA EDUCACIÓN DE TUS HIJOS.
1. Planifícate con tiempo, ten visión, mientras más temprano comiences tendrás más dinero ahorrado para tu objetivo.
2. Busca productos financieros en el mercado que te ayuden ahorrar más efectivamente y con mayor rentabilidad.
Algunos ejemplos:
– Ahorro Plan Educativo Inteligente, un producto del Credicorp Bank de Panamá con una tasa fija de 4.5%, incluye un seguro de vida para el aportante de la cuenta, puedes hacer aportes mensuales desde $30.00 o sea ¡no hay excusa! Sus proyecciones son a 5 años, si quieres seguir, puedes renovar el plan cada 5 años.
Ejemplo si aportan $150.00 al mes al cabo de 5 años tendrán ahorrados $10,197.00 equivalen a unos $1,097.00 en intereses ganados y pueden ese es momento renovar el plan y seguir de acuerdo a su meta.
Pueden ver más información aquí: ¡Ahorro educativo inteligente!
– Invertir en fondos de inversión, que son una excelente herramienta para planificar tu futuro, y metas como jubilación, universidad de tus hijos, o simplemente multiplicar tu dinero. Este tipo de productos aprovechamos la magia del interés compuesto y el ahorro constante para crear capital a través del tiempo, te permite tener rendimientos variables en el tiempo de entre 7% a 11%, protección de capital y seguridad de inversión.
Para más información puedes entrar aquí y te asesoro personalmente: Quiero ver cómo Sophia me puede ayudar con esto.
Espero que este Blog, te haya sido de mucho provecho. Si te gusto y consideras que a otras personas, amigos o familiares les pueda servir, ¡COMPÁRTELO!
Un gran abrazo,
14 comentarios en “Tips – Cómo ahorrar para la educación de tus hijos –”
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