{"id":19581,"date":"2026-02-25T09:00:00","date_gmt":"2026-02-25T08:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=19581"},"modified":"2026-02-25T20:56:23","modified_gmt":"2026-02-25T19:56:23","slug":"ante-crisis-viene-diversifica-ahorro","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/ante-crisis-viene-diversifica-ahorro\/","title":{"rendered":"Ante la crisis que viene, diversifica el ahorro"},"content":{"rendered":"
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El reconegut economista Robert Kiyosaki ha pronosticat \u201cuna <\/b>crisi<\/b><\/a> hist\u00f2rica\u201d. Per\u00f2, davant la incertesa, ell hi veu una oportunitat per a diversificar els estalvis. Qu\u00e8 vol dir diversificar? Diversificar ens ajuda a invertir? L\u2019agent 11Onze Xavier Esteve ens ho explica en quatre claus.<\/b><\/h3>\n

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Kiyosaki, que \u00e9s un inversor molt influent als Estats Units, i autor del <\/span>bestseller<\/span><\/a> \u2018Padre rico, padre pobre\u2019 (Debolsillo, 2016), afirma que la crisi que ve els pr\u00f2xims mesos ens pot arrossegar a una \u201csituaci\u00f3 de col\u00b7lapse\u201d, no nom\u00e9s en el mercat de divises, sin\u00f3 tamb\u00e9 en el de les criptomonedes i en el de metalls preciosos. Tanmateix, ell es mostra optimista: <\/span>est\u00e0 conven\u00e7ut que tota crisi \u00e9s una oportunitat per a qui ho s\u00e0piga aprofitar<\/b>.\u00a0<\/span><\/p>\n

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Alerta amb el deute, perqu\u00e8 pot provocar inflaci\u00f3<\/strong><\/h3>\n

Segons l\u2019agent 11Onze, Xavier Esteve,<\/span> la crisi que ve t\u00e9 com a principal factor \u201cel gran deute acumulat que hi ha al m\u00f3n, especialment als Estats Units\u201d<\/b>. Esteve explica que la relaci\u00f3 entre el deute i el producte interior brut (PIB), \u00e9s a dir, la capacitat de generar riquesa \u201cno \u00e9s, ara per ara, coherent\u201d, o, en paraules de Kiyosaki, \u201cno est\u00e0 sincronitzada\u201d. De fet, Kiyosaki defensa una tesi alarmant: que el Departament del Tresor i la Reserva Federal dels Estats Units \u201cestan inflant artificialment\u201d el mercat de valors amb decisions \u201cdesconnectades\u201d de l\u2019economia real.<\/span><\/p>\n

Esteve reconeix que inflar el mercat d\u2019aquesta manera \u201cno \u00e9s gens bo\u201d, i mira d\u2019explicar-nos-ho: \u201cS\u2019est\u00e0 imprimint diner sense tenir en compte el que la gent gasta i, per tant, aquest diner se\u2019l pot titllar de fals, en tant que no entra dins l\u2019economia. En canvi, s\u00ed que t\u00e9 efectes en la pujada de preus, en una possible inflaci\u00f3 transit\u00f2ria els pr\u00f2xims mesos\u201d. Aquesta inflaci\u00f3 transit\u00f2ria, diu Esteve, pot enfonsar el castell de cartes que \u00e9s el mercat i fer que els b\u00e9ns perdin el seu valor fins a cotes mai vistes. \u201c<\/span>La possible bancarrota de la immobili\u00e0ria xinesa Evergrande tamb\u00e9 pot afectar a aquesta devaluaci\u00f3 transit\u00f2ria<\/b>\u201d, assevera. En aquest context, Esteve ens recorda que Kiyosaki adverteix que \u201cels rics es faran m\u00e9s rics, per\u00f2 la classe mitjana i pobra cada vegada ser\u00e0 m\u00e9s pobra\u201d.\u00a0<\/span><\/p>\n

L\u2019agent 11Onze tamb\u00e9 ens explica que les declaracions de Kiyosaki s\u2019entenen pel fet que les preocupacions financeres dels EEUU pengen d\u2019un fil de fa temps i, \u201csobretot ara, amb la inseguretat de l\u2019economia real, i havent sortit de dos anys de pand\u00e8mia, que han afectat, entre d\u2019altres, als ritmes de producci\u00f3 del petroli i gas\u201d. Tot i que Esteve recorda que \u201cl\u2019economia no \u00e9s una ci\u00e8ncia exacta ni pot predir el futur\u201d, s\u00ed que observa \u201cs\u00edmptomes preocupants\u201d. \u201c<\/span>\u00c9s preocupant, avui dia, la manca de determinades mat\u00e8ries primeres i l\u2019al\u00e7a de preus del gas, la llum o la benzina<\/b>. El gran dubte \u00e9s si la por i la manca de confian\u00e7a s\u2019apoderaran del mercat, o no\u201d, assenyala.<\/span><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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\u201cS\u2019est\u00e0 imprimint diner sense tenir en compte el que la gent gasta i, per tant, aquest diner se\u2019l pot titllar de fals, en tant que no entra dins l\u2019economia\u201d.<\/b><\/p>\n\n Xavier Esteve, agent 11Onze<\/span>\n <\/blockquote>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>

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Quan es desplomen els valors, toca invertir<\/b><\/h3>\n

Davant aquest possible escenari de crisi, com Kiyosaki, l\u2019agent 11Onze es mostra optimista. Considera que<\/span> les crisis, en tots els \u00e0mbits, s\u00f3n el pa de cada dia i \u201cofereixen moments de canvi\u201d<\/b>. \u201c\u00c9s llavors quan pots crear o cercar noves maneres per a millorar la teva situaci\u00f3 financera\u201d, afirma Esteve.<\/span><\/p>\n

\u201cNo vull ser alarmista \u2014segueix Esteve\u2014. Kiyosaki ens diu que <\/span>aquesta caiguda de preus ens donar\u00e0 una oportunitat per a invertir <\/b>en actius considerats de reserva de valor, com el bitcoin, l\u2019or o la plata\u201d. De fet, l\u2019emin\u00e8ncia de l\u2019economia aconsella als petits inversors el que ell mateix far\u00e0 quan els preus hagin caigut prou: \u201cSoc optimista sobre l\u2019or, la plata i el bitcoin, no sobre les accions. Quan es desplomin els seus valors, \u00e9s quan jo en comprar\u00e9\u201d.<\/span><\/p>\n

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\u201cNo \u00e9s bo posar tots els ous al mateix cistell\u201d<\/b><\/h3>\n

En situacions de crisi econ\u00f2mica, sobretot si es preveu transit\u00f2ria com ho sembla aquesta, \u201cpreocupar-se no \u00e9s la soluci\u00f3\u201d, ens diu Esteve. <\/span>La resposta demana mantenir la calma i \u201ctenir una bona planificaci\u00f3 que ens ajudi a superar qualsevol entrebanc financer\u201d<\/b>. \u201cFins i tot, si ho fem b\u00e9, aquesta planificaci\u00f3 ens pot ajudar a millorar els nostres estalvis\u201d, assegura.<\/span><\/p>\n

Esteve s\u2019anima a donar resposta als neguits del petit inversor amb dues dites, una d\u2019elles molt catalana: \u201c<\/span>No \u00e9s bo posar tots els ous al mateix cistell<\/b>\u201d. I la segona, atribu\u00efda a Harold Macmillan, exprimer ministre del Regne Unit: \u201cHaur\u00edem de fer servir el passat com a trampol\u00ed, no com sof\u00e0\u201d. \u201cI tant que es pot diversificar. \u00c9s una de les millors maneres d\u2019invertir\u201d, resumeix Xavier Esteve sense pensar-s\u2019hi. Per\u00f2, ben b\u00e9, qu\u00e8 \u00e9s aix\u00f2 de diversificar?<\/span><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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\u201cSoc optimista sobre l\u2019or, la plata i el bitcoin, no sobre les accions\u201d.<\/b><\/p>\n\n Robert Kiyosaki, economista<\/span>\n <\/blockquote>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>

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Font imatge:<\/strong>\u00a0Gage Skidmore<\/span><\/p>\n

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Distribuir els estalvis, arriscar petites quantitats<\/b><\/h3>\n

Diversificar vol dir distribuir els estalvis en diferents actius<\/b>, sigui en moneda, metalls preciosos, productes d\u2019inversi\u00f3 en borsa com els ETF, patrimoni immobiliari o criptomonedes, entre d\u2019altres. Les noves tecnologies faciliten encara m\u00e9s aquesta diversificaci\u00f3. <\/span>La nostra app El Canut oferir\u00e0 pr\u00f2ximament aquesta possibilitat<\/b>. I com que el valor d\u2019aquests actius canvia en el mercat, diversificar et pot ajudar, no nom\u00e9s a assegurar els teus estalvis, sin\u00f3 tamb\u00e9 a invertir, tal com diu Esteve.<\/span><\/p>\n

El nostre agent explica que, tot i que molts es pensen que la inversi\u00f3 \u00e9s nom\u00e9s per a professionals o persones que disposen de molt capital, \u201cno \u00e9s ben b\u00e9 aix\u00ed\u201d. \u201c\u00c9s evident que tothom t\u00e9 les seves dificultats i circumst\u00e0ncies i, primer de tot, hem de tenir les necessitats vitals cobertes, sempre ho dic, per\u00f2 una de les virtuts d\u201911Onze \u00e9s justament que, a trav\u00e9s de <\/span>La Pla\u00e7a<\/b> i de l\u2019atenci\u00f3 24 hores, intentem que els nostres clients disposin de tota la informaci\u00f3 per a prendre les decisions encertades\u201d, afirma Esteve, que recorda que<\/span> 11Onze permetr\u00e0 als clients invertir \u201camb quantitats petites, que no suposin un trasbals\u201d<\/b>. Com deia el divulgador cient\u00edfic Eduard Punset: \u201cQuan l\u2019ecosistema no existeix, s\u2019ha d\u2019inventar\u201d. \u201cEns hem de moure amb la marea\u201d, rebla Xavier Esteve.<\/span><\/p>\n

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Si vols descobrir la millor opci\u00f3 per protegir els teus estalvis, entra a <\/b>Preciosos 11Onze<\/b><\/a>. T’ajudarem a comprar al millor preu el valor refugi per excel\u00b7l\u00e8ncia: l’or f\u00edsic.<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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