Lucía Hernández
Todos los artículos de Lucía Hernández
How to choose a financial management tool to save money
Choosing a financial management tool is not about using the most sophisticated app. The article explains how to control expenses, anticipate payments, automate savings and choose between apps, banks or spreadsheets.
Real estate crowdfunding: what lies behind advertised returns
Real estate crowdfunding returns do not depend only on the advertised percentage. The article explains where returns come from in debt and equity, which conditions must be met and how to compare them with risk, term and liquidity.
What happens to your real estate investments if interest rates fall?
Interest rate cuts can reduce mortgage payments, support valuations and improve some equity investments. But they can also lower returns on debt or push up entry prices. We look at how each scenario changes.
European real estate investment enters a new stage: less cycle and more asset selection
European real estate investment is entering a more selective phase. The cycle still matters, but value creation will depend more on income growth, asset quality and the ability to manage or reposition assets.
Smart buildings: how technology can create real estate value
Smart buildings use data, sensors and automation to improve asset management. The article analyzes how technology can reduce costs, increase income, avoid obsolescence and support value-add strategies.
How to diversify a portfolio properly: five key points for beginners
Diversifying a portfolio does not mean accumulating products. The article explains how to reduce dependencies across assets, geographies, time horizons and risk sources, while avoiding overlaps and overdiversification.
