Cómo alcanzar la libertad financiera según Tony Robbins

Tiempo de lectura: 3'

En el post de esta semana me gustaría resumiros el método que Tony Robbins propone seguir para alcanzar la libertad financiera en su libro Dinero: Domina el Juego (link de afiliado).

Los 7 pasos para alcanzar la libertad financiera

Tony Robbins propone seguir los siguientes pasos para alcanzar la libertad financiera:

 1.- Ahorra automáticamente una parte de lo que ganas

Es necesario utilizar el poder del interés compuesto y pagarse a uno mismo primero (esto es, no ahorrar lo que te sobre, sino la cantidad objetivo que te fijes).

Cuanto antes empieces a ahorrar, y mayor sea el porcentaje de tus ingresos que ahorres, antes alcanzarás la libertad financiera.

2.- Conoce el mercado antes de invertir

Hay una serie de creencias muy comunes que tienen un efecto catastrófico en nuestras inversiones: los gestores nos recomiendan lo mejor para nosotros, los gestores lo hacen mejor que el mercado, las comisiones no son importantes…

Sin embargo, lo cierto es que, según Tony Robbins, el mercado da mejores rendimientos que el 96% de los gestores de fondos, gestores que normalmente velan antes por sus intereses que por los tuyos. Al fin y al cabo, son humanos.

Por ello, lo mejor que puedes hacer es invertir en fondos indexados o de gestión pasiva con comisiones muy bajas.

3.- Haz que sea posible ganar el juego

Para ello es muy importante fijarte una serie de objetivos y trazar un plan para conseguirlos.

Además puedes acelerar tu camino hacia la libertad financiera con 5 mecanismos: (i) ahorra más; (ii) gana más dinero e inviértelo; (iii) reduce lo que pagas en comisiones e impuestos; (iv) invierte mejor; y (v) cambia tu vida (incluso considera mudarte para pagar menos impuestos).

Libertad financiera Tony Robbins
4.- Invierte diversificando

El siguiente paso es lo que es conocido como asset allocation o en dónde invertir tu dinero. Tony Robbins defiende la importancia de la diversificación no sólo invirtiendo en un amplio número de acciones sino en distintos tipos de activos tales como bonos o bienes inmuebles.

Tonny Robbins nos proponer dividir el dinero que inviertes en dos partes: una parte destinada a inversiones seguras y otra parte destinada a inversiones más arriesgadas, que si salen bien nos permitan acelerar nuestro camino hacia la libertad financiera y, si salen mal, no nos afecten a las inversiones seguras.

Además, nos explica la cartera all weathers de Ray Dalio que veremos en otro post.

5.- Crea ingresos pasivos que duren toda la vida

Existen distintas opciones para generar ingresos pasivos. En el libro, Tony nos explica una serie de instrumentos financieros que existen en USA y que no siempre tienen un equivalente en España.

No obstante, en España, puedes invertir en acciones que repartan dividendos, en bienes inmuebles para su alquiler, a través de estructuras fiscales optimizadas (como planes de pensiones) o puedes crear rentas vitalicias una vez que llegues a una determinada edad.

Búscate un buen asesor que te informe de las distintas opciones disponibles (en este blog explicamos muchas de ellas y… ¡estamos dispuestos a explicar todas las que nos pidáis!).

6.- Aprende de los mejores

Tony RobbinsTony Robbins nos resume cuatro principios comunes a la estrategia de los mejores inversores a los que ha entrevistado (John Templeton, Warren Buffet, Ray Dalio…) que son: (i) nunca pierdas dinero; (ii) busca las oportunidades de riesgo asimétrico (esto es, situaciones en las que puedes ganar mucho, perdiendo muy poco); (iii) diversifica tus inversiones y (iv) nunca dejes de aprender.

7.- Disfruta de la vida que has diseñado

Te lo mereces. Pero no te olvides de enseñar a los demás cómo hacer lo mismo.

Conclusión sobre el libro de Tony Robbins

Personalmente, creo que el libro tiene unos cuantos conceptos muy útiles que hacen que merezca la pena su lectura pero, lo cierto, es que se enrolla una barbaridad, a veces es complicado de leer y algunos de sus ejemplos sólo son válidos en Estados Unidos.

Si te quieres ahorrar el libro, los conceptos fundamentales… ¡ya te los explicamos en este blog!

¨Fijarse objetivos es el primer paso para convertir lo invisible en visible¨. Tony Robbins

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