{"id":1212,"date":"2023-01-16T10:59:52","date_gmt":"2023-01-16T15:59:52","guid":{"rendered":"https:\/\/allianzahorroeinversiones.co\/?p=1212"},"modified":"2023-08-15T19:21:23","modified_gmt":"2023-08-16T00:21:23","slug":"gestion-de-riesgos","status":"publish","type":"post","link":"https:\/\/allianzahorroeinversiones.co\/?p=1212","title":{"rendered":"gesti\u00f3n de riesgos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1212\" class=\"elementor elementor-1212\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73e75e97 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73e75e97\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72f758c7\" data-id=\"72f758c7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4fdfe40 elementor-widget elementor-widget-heading\" data-id=\"4fdfe40\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Gesti\u00f3n de riesgos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b54102b elementor-widget elementor-widget-text-editor\" data-id=\"b54102b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p>En Allianz somos expertos gestionando riesgos y como asesores, es nuestra responsabilidad garantizar que nuestros clientes obtengan el m\u00e1ximo beneficio posible, brindando las mejores opciones para mitigar los riesgos a los que est\u00e1n expuestos.<\/p>\n<p>Para lograr cualquier objetivo de mediano y largo plazo se requiere gestionar cuatro riesgos principalmente:<\/p>\n<ol>\n<li>Riesgo de inflaci\u00f3n.<\/li>\n<li>Riesgo por Crecimiento Econ\u00f3mico.<\/li>\n<li>Riesgo pa\u00eds<\/li>\n<li>Riesgo cambiario<\/li>\n<\/ol>\n<ol>\n<li><strong>Riesgo de inflaci\u00f3n:<\/strong> es el riesgo m\u00e1s perverso. Con la misma cantidad de dinero podr\u00e1s comprar menos cosas debido al aumento de los precios. El riesgo de inflaci\u00f3n reduce el poder adquisitivo del dinero, lo que a futuro puede afectar la capacidad para comprar lo que se necesita.<\/li>\n<\/ol>\n<p>Las personas que entran en etapa de desacomulaci\u00f3n tienen una edad m\u00e1s avanzada y van a requerir un cuidado m\u00e9dico que suele ser costoso. La inflaci\u00f3n en los gastos asociados a salud es m\u00e1s alta que en otro tipo de gastos. De ah\u00ed que, cuando se planifican objetivos a largo plazo, es fundamental que cualquier ahorrador o inversionista tenga en cuenta principalmente el riesgo de inflaci\u00f3n.<\/p>\n<ol>\n<li><strong>Crecimiento econ\u00f3mico.<\/strong> Es necesario que el Fondo Voluntario de Pensiones o el ahorro pensional compense el crecimiento econ\u00f3mico, para que obtenga una rentabilidad similar al promedio de las actividades econ\u00f3micas de la econom\u00eda. Tu ahorro debe crecer por lo memos al mismo ritmo que crece el resto de la econom\u00eda.<\/li>\n<\/ol>\n<ol>\n<li><strong>Riesgo pa\u00eds<\/strong> por ejemplo, un cliente con 22 a\u00f1os se va a jubilar a los 62, le faltan 40 a\u00f1os y en 40 a\u00f1os pueden pasar muchas cosas, presidentes, golpes de estado, que el gobierno no pague sus deudas, que la moneda se deprecie como ha sucedido en pa\u00edses como Venezuela, Nicaragua y Argentina, en donde su econom\u00eda y din\u00e1mica social se han visto seriamente afectadas por decisiones pol\u00edticas.<\/li>\n<\/ol>\n<ol>\n<li><strong>Riesgo cambiario:<\/strong> Muchos de los gastos comunes que tenemos, est\u00e1n vinculados al precio del d\u00f3lar, por ejemplo, el precio de la gasolina, Netflix, medicamentos importados etc. Si nos enfocamos en invertir \u00fanicamente en activos que est\u00e1n valuados en pesos y no consideramos ninguna inversi\u00f3n en otras monedas, corremos el riesgo de incurrir en el riesgo cambiario.<\/li>\n<\/ol>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently.<\/p>\n","protected":false},"author":2,"featured_media":1067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1212","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"_links":{"self":[{"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/posts\/1212","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1212"}],"version-history":[{"count":13,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/posts\/1212\/revisions"}],"predecessor-version":[{"id":9098,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/posts\/1212\/revisions\/9098"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=\/wp\/v2\/media\/1067"}],"wp:attachment":[{"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1212"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1212"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/allianzahorroeinversiones.co\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1212"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}