{"id":38303,"date":"2025-10-17T09:00:00","date_gmt":"2025-10-17T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=38303"},"modified":"2025-10-17T09:01:11","modified_gmt":"2025-10-17T07:01:11","slug":"dinero-banco","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/dinero-banco\/","title":{"rendered":"\u00bfCu\u00e1nto dinero deber\u00edas tener en el banco?"},"content":{"rendered":"
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Amb l’actual inflaci\u00f3, els diners al banc no fan m\u00e9s que perdre valor dia rere dia. Per\u00f2 sempre \u00e9s necessari mantenir una mica de liquiditat per si sorgeix algun imprevist. Per aix\u00f2 els experts recomanen tenir un \u201cmatal\u00e0s\u201d d’efectiu en els teus comptes d’estalvi que cobreixi com a m\u00ednim tres mesos de despeses.<\/b><\/h3>\n

 <\/p>\n

La vida est\u00e0 plagada d’imprevistos. Tamb\u00e9 en el pla econ\u00f2mic. A vegades s\u00f3n positius, com un augment de sou, per\u00f2 <\/span>a vegades hem d’afrontar sorpreses desagradables que fan mossa en la nostra butxaca<\/b>. Pot ser des d’una despesa puntual extraordin\u00e0ria, com quan hem de reposar un electrodom\u00e8stic vell de casa, fins una cosa m\u00e9s seriosa, com patir una malaltia incapacitant o quedar-nos sense treball.<\/span><\/p>\n

Per fer front a aquestes eventualitats, <\/span>\u00e9s necessari disposar d’un fons d’emerg\u00e8nci<\/b>a. L’antic costum de guardar els diners en el matal\u00e0s o en qualsevol altre amagatall de la casa et permet disposar d’ells de manera immediata, per\u00f2 \u00e9s poc recomanable pel risc de robatori i la nul\u00b7la rendibilitat.<\/span><\/p>\n

\u00c9s preferible rec\u00f3rrer a les entitats banc\u00e0ries, tot i que has de tenir en compte el <\/span>l\u00edmit del Fons de Garantia de Dip\u00f2sits d’Entitats de Cr\u00e8dit <\/b>per a que els teus diners sempre estiguin protegits.<\/span><\/p>\n

 <\/p>\n

Assegura els teus estalvis<\/b><\/h3>\n

Com detalla el seu <\/span>web<\/span><\/a>, aquest organisme \u201ct\u00e9 per objecte garantir els dip\u00f2sits en diners i en valors o altres instruments financers constitu\u00efts en les entitats de cr\u00e8dit, amb el l\u00edmit de 100.000 euros per als dip\u00f2sits en diners\u201d.<\/span><\/p>\n

Aix\u00f2 desaconsella tenir m\u00e9s de 100.000 euros en comptes i dip\u00f2sits a termini d’una mateixa entitat, ja que <\/span>el fons nom\u00e9s cobrir\u00e0 fins a 100.000 euros per titular en cas que el teu banc faci fallida<\/b>.<\/span><\/p>\n

Si, per exemple, tinguessis 120.000 euros en una entitat que ha fet fallida, encara que fora en diversos comptes o dip\u00f2sits, aquest organisme nom\u00e9s et retornaria 100.000 i perdries els altres 20.000. <\/span>D’aqu\u00ed la conveni\u00e8ncia de repartir els diners entre diverses entitats<\/b> per a que els comptes i dip\u00f2sits no superin el l\u00edmit garantit en cap d’elles.<\/span><\/p>\n

 <\/p>\n

De quant parlem?<\/b><\/h3>\n

Nom\u00e9s en casos molt excepcionals el nostre fons d’emerg\u00e8ncia hauria d\u2019assolir aquests 100.000 euros, especialment en un moment com aquest, en el qual <\/span>l’elevada inflaci\u00f3 fa que els diners dipositats al banc perdin valor mes rere mes<\/b>. De totes maneres, l’import \u00f2ptim dependr\u00e0 en \u00faltima inst\u00e0ncia de les nostres circumst\u00e0ncies personals: b\u00e0sicament, quines s\u00f3n les nostres despeses previstes i amb quins ingressos podr\u00edem comptar en cas d’un esdeveniment negatiu.<\/span><\/p>\n

Els experts solen recomanar que el coix\u00ed financer cobreixi com a m\u00ednim tres mesos de despeses<\/b>. Cal tenir en compte que mantenir un saldo massa baix en el nostre compte ens pot fer entrar en n\u00fameros vermells amb facilitat, la qual cosa generaria despeses financeres pel descobert.<\/span><\/p>\n

L’OCU, per exemple, <\/span>indica<\/span><\/a> que una quantitat prudent en els comptes corrents \u201cpot ser <\/span>l’equivalent a tres mesos del teu salari<\/b>\u201d. No recomana m\u00e9s perqu\u00e8 aquests comptes \u201cno s\u00f3n el millor lloc per a mantenir els nostres estalvis, ja que pr\u00e0cticament cap entitat les premia amb interessos\u201d.<\/span><\/p>\n

Quant al m\u00e0xim, no sol recomanar-se m\u00e9s del necessari per a cobrir sis mesos de despeses. De fet, el <\/span>portal<\/span><\/a> \u2018Finances per a tots\u2019, una iniciativa del Banc d’Espanya, la Comissi\u00f3 Nacional del Mercat de Valors i el Ministeri d’Assumptes Econ\u00f2mics i Transformaci\u00f3 Digital, aconsella \u201cacumular un fons equivalent a entre tres i sis mesos de despeses\u00bb. A partir d\u2019aqu\u00ed es tracta de buscar inversions que garanteixin una bona rendibilitat.<\/span><\/p>\n

 <\/p>\n

11Onze \u00e9s la fintech comunit\u00e0ria de Catalunya. Obre un compte descarregant la super app El Canut per <\/b>Android<\/b><\/a> o <\/b>iOS<\/b><\/a>. Uneix-te a la revoluci\u00f3!<\/b><\/p>\n\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n

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Si t’ha agradat aquesta not\u00edcia, et recomanem:<\/h1>\n
\n
\n <\/a>\n
\n \"\"\n Estalvis<\/span>\n <\/div>\n
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Qu\u00e8 \u00e9s el m\u00e8tode d\u2019estalvi 50\/30\/20?<\/strong><\/p>\n 2min lectura<\/span>\n

En la situaci\u00f3 econ\u00f2mica actual, estalviar \u00e9s un objectiu que a<\/p>\n <\/div>\n <\/div>\n\n\n

\n <\/a>\n
\n \"\"\n Finances<\/span>\n <\/div>\n
\n

Els estalvis si el banc tanca<\/strong><\/p>\n 3min lectura<\/span>\n

Tots sabem el que costa estalviar.<\/p>\n <\/div>\n <\/div>\n\n\n

\n <\/a>\n
\n \"\"\n Finances<\/span>\n <\/div>\n
\n

La seguretat dels dip\u00f2sits en bancs<\/strong><\/p>\n 3min lectura<\/span>\n

Tenir un dip\u00f2sit en un banc espanyol actualment no nom\u00e9s<\/p>\n <\/div>\n <\/div>\n\n <\/div>\n
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\n\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":38301,"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-38303","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-ahorros"],"acf":[],"yoast_head":"\n\u00bfCu\u00e1nto dinero deber\u00edas tener en el banco? - 11Onze<\/title>\n<meta name=\"description\" content=\"\u00bfCu\u00e1nto dinero deber\u00edas tener en el banco? 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