{"id":27166,"date":"2025-06-24T20:00:00","date_gmt":"2025-06-24T18:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=27166"},"modified":"2026-03-05T09:00:14","modified_gmt":"2026-03-05T08:00:14","slug":"que-tipo-ahorrador-eres","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/que-tipo-ahorrador-eres\/","title":{"rendered":"\u00bfQu\u00e9 tipo de ahorrador eres?"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Ets un estalviador particular o un inversor institucional? Penses a agregar valor als teus estalvis a llarg termini o a obtenir rendibilitat a curt? Ets conservador, moderat o agressiu? A 11Onze fem un rep\u00e0s als diferents perfils de l\u2019estalviador. En quin encaixes tu?<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400\">Als mercats financers, hi ha gent per a tot. Ja ho hem <\/span><a href=\"https:\/\/www.11onze.cat\/magazine\/sa-vincle-diners\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">explicat<\/span><\/a><span style=\"font-weight: 400\"> alguna vegada a La Pla\u00e7a: quan gestionem els nostres diners, <\/span><b>hi ha un component emocional molt fort, per\u00f2 tamb\u00e9 hi ha motivacions, objectius i reptes que ens esperonen<\/b><span style=\"font-weight: 400\">. \u00c9s important que sapiguem a qu\u00e8 respon la nostra actitud envers els diners si volem tenir una bona salut financera i, \u00e9s clar, si volem aprendre a gestionar els nostres estalvis de la manera m\u00e9s adequada.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Treballes per a tu o per a molts?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><b>L\u2019estalviador nat.<\/b><span style=\"font-weight: 400\"> \u00c9s una persona f\u00edsica o jur\u00eddica que fa operacions per compte propi, \u00e9s a dir, per moure una cartera particular, sovint per treure rendibilitat dels estalvis.<\/span><\/li>\n<li><b>L\u2019inversor institucional.<\/b><span style=\"font-weight: 400\"> Sol actuar per a un capital de molts inversors, com ara fons d\u2019inversi\u00f3, fons de pensions o companyies d\u2019assegurances. Aquest inversor institucional acostuma a tenir molta influ\u00e8ncia, perqu\u00e8 fa feina per a molts accionistes alhora.<\/span><\/li>\n<\/ul>\n<h3><b>Horitzons llargs o metes immediates?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><b>L\u2019estrateg.<\/b><span style=\"font-weight: 400\"> L\u2019estalviador que marca estrat\u00e8gies a llarg termini \u00e9s aquell que t\u00e9 un horitz\u00f3 en qu\u00e8 preveu donar valor a una empresa o cartera. Per aix\u00f2, aquest perfil acostuma a buscar n\u00ednxols de mercat que coneix b\u00e9, on se sent segur.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>L\u2019instintiu. <\/b><span style=\"font-weight: 400\">En canvi, el perfil m\u00e9s financer t\u00e9 per objectiu generar rendibilitat a curt i mitj\u00e0 termini i, per aix\u00f2, hi aposta per inversions inicials. Habitualment, no interv\u00e9 de forma directa en les empreses on inverteix, ni les coneix especialment.<\/span><\/li>\n<\/ul>\n<h3><b>Conservador, moderat o agressiu?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><b>El conservador fa calaix. <\/b><span style=\"font-weight: 400\">Els estalviadors conservadors acostumen a prendre decisions que s\u00f3n de molt baix risc, en actius on la renda \u00e9s fixa, com els <\/span><a href=\"https:\/\/www.11onze.cat\/magazine\/bons-governamentals-or-millor-comprar\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">bons<\/span><\/a><span style=\"font-weight: 400\"> estatals i actius de renda variable amb molta fortalesa, com <\/span><a href=\"https:\/\/www.11onze.cat\/magazine\/or-fisic-digital-quin-escullo\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">l\u2019or<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>El moderat, ni blanc i ni negre. <\/b><span style=\"font-weight: 400\">En canvi, l\u2019inversor moderat busca m\u00e9s el risc que l\u2019estabilitat, i per aix\u00f2 acostuma a combinar actius de renda fixa i altres m\u00e9s vol\u00e0tils.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>L\u2019agressiu, amant del risc. <\/b><span style=\"font-weight: 400\">Finalment, trobem l\u2019inversor agressiu, que no pensa tant a fer calaix i augmentar els estalvis, sin\u00f3 que el motiva el risc. Les seves inversions s\u00f3n molt vol\u00e0tils, amb una cartera diversificada, per rendibilitzar al m\u00e0xim. Aquest perfil acostuma a tenir molta experi\u00e8ncia en mercats financers.<\/span><\/li>\n<\/ul>\n<h3><b>Com mous els diners, explica qui ets<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400\"><b>El filantrop d\u2019amics i fam\u00edlia. <\/b><span style=\"font-weight: 400\">En qu\u00e8 apostem els nostres estalvis tamb\u00e9 explica qui som. Hi ha, per exemple, els que nom\u00e9s pensen a invertir, no tant per estalviar, sin\u00f3 per confian\u00e7a amb un projecte que els \u00e9s pr\u00f2xim, dels amics o de la fam\u00edlia.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Els \u00e0ngels que donen.<\/b><span style=\"font-weight: 400\"> Tamb\u00e9 hi ha els anomenats \u2018angels business\u2019, que decideixen que, amb els seus diners, volen apostar per donar valor a un sector que coneixen molt, en el qual creuen fermament.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400\"><b>El gestor patrimonial. <\/b><span style=\"font-weight: 400\">Al mercat tamb\u00e9 trobem tots aquells inversors que treballen per grans patrimonis familiars, sigui per a una sola fam\u00edlia o per a moltes.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>L\u2019aventurer del capital risc.<\/b><span style=\"font-weight: 400\"> Tamb\u00e9 hi ha tots aquells inversors, sovint agressius, que han decidit entrar directament en l\u2019accionariat d\u2019empreses, ja sigui buscant una mica d\u2019aventura, perqu\u00e8 s\u00f3n \u2018startups\u2019 punteres que poden resultar un bon negoci en poc temps o per capital privat m\u00e9s consolidat.<\/span><\/li>\n<li><b>L\u2019inversor sostenible.<\/b><span style=\"font-weight: 400\"> I, finalment, tenim aquell estalviador que ha decidit, per consci\u00e8ncia ecol\u00f2gica, no renunciar al mercat financer, per\u00f2 fer-ho en inversions sostenibles i amb criteris <\/span><a href=\"https:\/\/www.11onze.cat\/magazine\/criteris-esg-tendencia-inversio-verda\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">ESG<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/li>\n<\/ul>\n<p><b>11Onze \u00e9s la comunitat fintech de Catalunya. Obre un compte descarregant la super app El Canut per <\/b><a href=\"https:\/\/bit.ly\/2YlbZAf\" target=\"_blank\" rel=\"noopener\"><b>Android<\/b><\/a><b> i <\/b><a href=\"https:\/\/bit.ly\/Onze-IOS\" target=\"_blank\" rel=\"noopener\"><b>Apple<\/b><\/a><b>. Uneix-te a la revoluci\u00f3!<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si t&#8217;ha agradat aquesta not\u00edcia, et recomanem:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/tres-basics-gestionar-diners\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/04\/THUMBNAIL_POST_3.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finances<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>B\u00e0sics per gestionar els nostres diners<\/strong><\/p>\n              <span class=\"card-time\">4min lectura<\/span>\n              <p class=\"card-text small\">Sembla obvi, per\u00f2, per aprendre a administrar els nostres diners<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/coneixes-millor-consell-estalviar\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/11\/THUMBNAIL_METODE_PREESTALVI-800x534.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Estalvis<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Coneixes el millor consell per estalviar?<\/strong><\/p>\n              <span class=\"card-time\">2min lectura<\/span>\n              <p class=\"card-text small\">\u00c9s el truc per estalviar m\u00e9s efica\u00e7 i, alhora, el m\u00e9s senzill.<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/davant-crisi-diversifica-estalvi\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/10\/THUMBNAIL_IMPORTANCIA_DIVERSIFICAR_ESTALVIS-800x534.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Estalvis<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Diversifica l\u2019estalvi<\/strong><\/p>\n              <span class=\"card-time\">6min lectura<\/span>\n              <p class=\"card-text small\">El reconegut economista Robert Kiyosaki ha pronosticat \u201cuna crisi hist\u00f2rica\u201d.<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":27161,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[28],"tags":[170],"class_list":["post-27166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-ahorros"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 tipo de ahorrador eres? - 11Onze<\/title>\n<meta name=\"description\" content=\"Los hay conservadores, moderados, agresivos\u2026 En 11Onze repasamos los diferentes perfiles del ahorrador. 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