Resuelve tu futuro ¿demasiado bueno para ser verdad?

¿Por qué existen personas que a pesar de dormir 4 o 5 horas funcionan al día siguiente cual Aurora, la bella durmiente? Yo, sin duda alguna, en algunas horas estaré formada en el “drive thru” de conocida cadena implorando por un “grande del día con un chorrito de half & half caliente”. Antes de que levanten su dedo acusador deben saber dos cosas: 1. El café de mi oficina es categoría “gracias, prefiero un té”, 2. De cada pago que recibo, la primera parte se va a mi ahorro, la segunda a cubrir gastos, la tercera a un fondo de diversiones/emergencias y la cuarta a mi sobre del café. El único sueño sacrificado aquí es mi “beauty sleep”.

En otro orden de ideas, recibí ayer, vía twitter la consulta de Ricardo Palma Silva @palma_rick sobre la siguiente propuesta de inversión:

resuelvetufuturo

¿12% de rendimiento anual asegurado? Mi primer pensamiento es que, si te encuentras con este “asesor de inversiones” quien después de entregarte esta propuesta te muestra su mejor sonrisa y te pone enfrente una pluma y un contrato para que lo firmes, lo primero que tienes que hacer, como explicaría Eduardo Calixto @ecalixto, autor de ”Neurotuits en cápsulas de 140 caracteres” es controlar el impulso de placer de la amígdala de tu cerebro, prender la corteza cingulada para detectar el peligro y rescatar del lóbulo temporal el recuerdo del comercial: “Piiiiiiii, piiiiiiiii, corre y cuéntaselo a quien más confianza le tengas!!!”. Si me equivoqué en alguna de las partes del cerebro, recuerden que el mío está afectado por la deprivación de sueño…

Vamos por partes. Rendimientos pasados no aseguran rendimientos futuros, si así fuese, créanmelo, no existirían los divorcios. Cuando te presentan una propuesta de inversión existe la obligación de explicarte que un 12% anual representa una buena parte riesgo y que no todos los años vas a ganar lo mismo. Aún así, piensa que bajo el principio de que todos vamos a envejecer (excepto Paulina Rubio quien, en algún momento tenía mi edad y cada año encuentro que nos separa una brecha mayor de años) estaremos cada vez dispuestos a correr menor riesgo y, por ende, aceptar menores rendimientos. Por eso las afores van “chafeando” en rendimientos conforme incrementa la edad de sus cuentahabientes (no, no los de Martha Debayle), moviéndolos de una a otra, ya que van invirtiendo el dinero en esquemas de menor riesgo.

Por último, en cuestión de negocios, no existen las hermanas de la caridad ¿o sí?. De los rendimientos este tipo de esquemas de inversión, tendrás que pagar seguros, comisiones (¿por qué otra razón sería tan amable tu “asesor de inversiones”?) y penalizaciones en caso de que no cumplas con el contrato. Todas éstas deben ser explicadas e incluidas en la simulación de rendimientos, donde simulación significa promesa optimista y no un juramento. Si aún así, consigues ése rendimiento GARANTIZADO, por favor avísanos para correr todos a invertir ahí.

Esto no quiere decir que “Resuelve tu futuro” sea un fraude, tal vez sea una falta de ética o desconocimiento del asesor. Yo no estuve ahí durante esta presentación. Lo que escribo solo requiere un poco de sentido común como para evaluar diferentes opciones al momento de tomar decisiones sobre nuestro patrimonio.

Después de 600 palabras, espero que Ricardo sea tan amable de, al menos, enviarme una tarjeta prepagada de Starbucks. Y, si, ya probé meditar, yoga, natación, remedios naturales y medicamentos de prescripción. Simple y sencillamente soy yo, más preocupada por resolver el futuro que por disfrutar el presente. Duerman mucho y sueñen con los angelitos. Cuando despierten recuerden: Toma el control de tu dinero antes de que otros lo hagan por ti.

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