Advantages and disadvantages of investing in public debt

Security is the main incentive for investing in public debt, but risks such as lack of liquidity or low returns in the face of high inflation must be considered.
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Security is the main incentive for investing in public debt, but risks such as lack of liquidity or low returns in the face of high inflation must be considered.

With an average IRR of 14.5% and an inflation rate of 3%, €10,000 invested in Urbanitae would become €28,800 after 10 years.

Whether with robo-advisors, crowdfunding platforms, or digital fund managers, micro-investing allows anyone to start investing with little money.

Costs negatively affect investment performance in the opposite way to compound interest: their cumulative effect can be very large.

Government debt, PIAS, or money market funds are safe options, although less profitable compared to real estate crowdfunding.

It's not about knowing how much you spend, but planning savings and investment, and better protecting yourself against unforeseen events.

To choose wisely, consider whether both are indexed or not, our goals, and especially the costs and fees involved.

Diversification, the stage of life you are in, and, of course, market evaluation are some of the factors to consider.

Safe haven assets are most valued by conservative investors because they tend to protect the value deposited in them better than others.

Follow these tips if you seek a secure retirement and aim to have a savings cushion by age 50.