{"id":21353,"date":"2023-01-26T13:09:27","date_gmt":"2023-01-26T12:09:27","guid":{"rendered":"https:\/\/landing.urbanitae.com\/2023\/01\/26\/4-come-pianificare-bene-gli-investimenti\/"},"modified":"2024-07-18T17:27:51","modified_gmt":"2024-07-18T15:27:51","slug":"4-come-pianificare-bene-gli-investimenti","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/it\/2023\/01\/26\/4-come-pianificare-bene-gli-investimenti\/","title":{"rendered":"3. Come pianificare bene gli investimenti"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"21353\" class=\"elementor elementor-21353 elementor-14037\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2af5f1ce elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"2af5f1ce\" data-element_type=\"section\" data-e-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-76c5a942\" data-id=\"76c5a942\" data-element_type=\"column\" data-e-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-2c669a76 elementor-widget elementor-widget-text-editor\" data-id=\"2c669a76\" data-element_type=\"widget\" data-e-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>Sappiamo gi\u00e0 che iniziare a investire ha il vantaggio che il momento migliore \u00e8 ora. Ma questo non significa che dobbiamo affrettarci. N\u00e9 correre rischi inutili. In questa serie di post sugli investimenti, il nostro primo obiettivo \u00e8 chiaro: non rovinare tutto. Pertanto, ci concentriamo maggiormente sulle fondamenta, le cose su cui dobbiamo essere chiari prima di impegnare i nostri soldi.  <\/p>\n<p><\/p>\n<p><\/p>\n<p>Una di queste cose \u00e8 ci\u00f2 che vogliamo ottenere con il nostro investimento. Probabilmente<strong> la persona che investe in Bitcoin non lo fa per assicurarsi una pensione tranquilla. <\/strong> Il loro obiettivo \u00e8 diverso. N\u00e9 una persona che sta cercando una casa da acquistare si comporter\u00e0 come chi l&#8217;ha gi\u00e0 o vive in affitto. N\u00e9 un ragazzo di 25 anni prender\u00e0 in considerazione le stesse cose di un 65enne.<\/p>\n<p><\/p>\n<p><\/p>\n<p>Ecco perch\u00e9 \u00e8 essenziale sapere da dove partiamo e <a href=\"https:\/\/blog.urbanitae.com\/2022\/12\/20\/por-que-para-invertir-antes-hay-que-ahorrar\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=inversion&amp;utm_content=matias_como_planificar_bien_las_inversiones\" target=\"_blank\" rel=\"noreferrer noopener\">mettere in ordine le nostre finanze<\/a>.  <strong>Avere chiari i nostri obiettivi di investimento ci aiuter\u00e0 anche a prendere decisioni migliori.<\/strong>  Ad esempio, se investiamo con un orizzonte di 20 anni \u2013 perch\u00e9 sappiamo che il lungo termine \u00e8 nostro amico \u2013 saremo pi\u00f9 pazienti quando le cose vanno meno bene. E non disinvestiremo alla leggera, n\u00e9 rinunceremo a potenziali profitti futuri.<\/p>\n<p><\/p>\n<p><\/p>\n<p>Pianificare bene gli investimenti non \u00e8 solo una questione di rischio. Significa <strong>avere un margine di sicurezza.<\/strong> Non esiste una definizione chiusa, ma, in sostanza, si tratta di avere &#8220;un budget austero, una mentalit\u00e0 flessibile o una cronologia lassista&#8221; che, come spiega Morgan Housel, &#8220;ti consente di vivere felicemente con un&#8217;ampia variet\u00e0 di risultati&#8221;. Cio\u00e8, un quadro che aumenta le nostre possibilit\u00e0 di successo con il livello di rischio che abbiamo precedentemente impostato.  <\/p>\n<p><\/p>\n<p><\/p>\n<h2>La regola del 72<\/h2>\n<p><\/p>\n<p><\/p>\n<p>Non \u00e8 sempre facile calcolare il risultato prevedibile o stimato dei nostri investimenti. Pertanto, quando si pianifica \u00e8 utile utilizzare la cosiddetta regola del 72. Questa formula ci consente di stimare quanto tempo, in anni, ci vorr\u00e0 perch\u00e9 il nostro investimento raddoppino. Intendiamoci, la regola del 72 \u00e8 un&#8217;approssimazione, non una legge matematica:  <\/p>\n<p><\/p>\n<p><\/p>\n<figure class=\"wp-block-image aligncenter is-resized\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/SqAJN9TGKdYhbW-2hmA6OXODgvBXdjUP3KC0tm7hrpc1mmI7e8XfZBXEYpTLClb8ge2qZj7LFzoGlG87_qgBVJR5HbgmRzjSQbLnL7kPD4_BIkO_nvHk_FWbNm6z7Mra5AvqKjeB4aVUKiRVLco8SH5OTUe7xtdeTJTPIyrlN4_2SUv90I5xpW8qYaehHA\" alt=\"La regola del 72 \u00e8 una formula che pu\u00f2 aiutarti a pianificare bene gli investimenti\" width=\"758\" height=\"119\">\n<p> <\/p>\n<figcaption class=\"wp-element-caption\">Questa \u00e8 la famosa regola del &#8217;72.<\/figcaption>\n<\/figure>\n<p><\/p>\n<p><\/p>\n<p>Immagina di investire 1.000 euro in un prodotto il cui rendimento annuo \u00e8 del 4%. Per stimare quando quei 1.000 euro saranno diventati 2.000, basterebbe dividere 72 per 4 (l&#8217;importo investito non \u00e8 rilevante). Quindi, se vogliamo raddoppiare i nostri soldi con quel prodotto, dobbiamo mantenere il nostro investimento in quel prodotto per 18 anni.  <\/p>\n<p><\/p>\n<p><\/p>\n<p>Questa regola potrebbe anche essere utilizzata, con cautela, per <strong><a href=\"https:\/\/www.cnbc.com\/2022\/06\/10\/how-does-inflation-impact-your-savings-the-rule-of-72-may-help.html\" target=\"_blank\" rel=\"noreferrer noopener\">stimare l&#8217;impatto dell&#8217;inflazione sui nostri risparmi.<\/a><\/strong> In questo caso, cercheremmo di scoprire quanto tempo impiegherebbero i nostri soldi a dividere tra due: cio\u00e8, a perdere met\u00e0 del suo valore. L&#8217;operazione, in questo caso, sarebbe un po &#8216;diversa. 72 dovrebbe essere diviso per il tasso annuo di inflazione. Per <a href=\"https:\/\/blog.urbanitae.com\/2022\/08\/31\/hasta-donde-llegara-la-inflacion\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=urbanitae&amp;utm_content=matias_como_planificar_bien_las_inversiones\" target=\"_blank\" rel=\"noreferrer noopener\">un&#8217;inflazione<\/a> del 4%, il risultato sarebbe anche di 18 anni. \u00c8 molto approssimativo, poich\u00e9 \u00e8 raro che l&#8217;inflazione sia cos\u00ec stabile per cos\u00ec tanto tempo. Ma serve a darci un&#8217;idea.<\/p>\n<p><\/p>\n<p><\/p>\n<h2>Autonomia e libert\u00e0 finanziaria<\/h2>\n<p><\/p>\n<p><\/p>\n<p>Un altro modo per affrontare la nostra pianificazione \u00e8 pensare in termini di libert\u00e0 finanziaria. Cio\u00e8, il grado di dipendenza o autonomia che abbiamo rispetto al nostro stipendio. La metter\u00f2 in un altro modo. <strong>Si presume che la piena libert\u00e0 finanziaria sia raggiunta quando si pu\u00f2 vivere di affitti, cio\u00e8 non \u00e8<\/strong> necessario lavorare per ottenere il reddito di cui si ha bisogno per condurre la vita che vuole condurre.  <\/p>\n<p><\/p>\n<p><\/p>\n<p>Forse \u00e8 un obiettivo alla portata di pochi. Ecco perch\u00e9 parliamo anche di autonomia o indipendenza finanziaria. L&#8217;idea \u00e8 sempre la stessa, vedere come possiamo bilanciare il nostro reddito ricorrente (buste paga) e il reddito aggiuntivo (reddito da locazione, dividendi, plusvalenze &#8230;). <strong>Gli investimenti sono un buon modo per aumentare il reddito aggiuntivo <\/strong>e, quindi, migliorare la nostra indipendenza finanziaria.  <\/p>\n<p><\/p>\n<p><\/p>\n<p>Ad esempio, in <a href=\"https:\/\/urbanitae.com\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=urbanitae2&amp;utm_content=matias_como_planificar_bien_las_inversiones\" target=\"_blank\" rel=\"noreferrer noopener\">Urbanitae<\/a> ti offriamo la possibilit\u00e0 di ottenere entrate periodiche con la nostra <a href=\"https:\/\/blog.urbanitae.com\/2023\/01\/18\/urbanitae-lanza-una-division-de-activos-en-alquiler\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=urbanitae_blog_0123&amp;utm_term=urbanitae3&amp;utm_content=matias_como_planificar_bien_las_inversiones\" target=\"_blank\" rel=\"noreferrer noopener\">nuova linea di attivit\u00e0 in redditivit\u00e0<\/a>. \u00c8 un&#8217;altra idea a cui puoi dare un&#8217;occhiata. Fai i conti e chiedici cosa vuoi. Ecco a cosa siamo&#8230;<\/p>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d26a475 elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"d26a475\" data-element_type=\"section\" data-e-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-b5b146f\" data-id=\"b5b146f\" data-element_type=\"column\" data-e-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-0e1ab3b elementor-widget elementor-widget-video\" data-id=\"0e1ab3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/jzJPlD41cI0&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b026fcf elementor-section-boxed elementor-section-height-default elementor-section-height-default parallax_section_no qode_elementor_container_no\" data-id=\"b026fcf\" data-element_type=\"section\" data-e-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-50 elementor-top-column elementor-element elementor-element-dbb8c60\" data-id=\"dbb8c60\" data-element_type=\"column\" data-e-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-f448e93 elementor-widget elementor-widget-eael-creative-button\" data-id=\"f448e93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--rayen eael-cb-icon-position-left\" href=\"https:\/\/blog.urbanitae.com\/it\/2023\/01\/13\/2-le-regole-di-base-dellinvestimento\/\" data-text=\"Dai!\">\n            \t    \n                <div class=\"creative-button-inner\">\n\n                                            <span class=\"eael-creative-button-icon-left\"><i aria-hidden=\"true\" class=\"far fa-arrow-alt-circle-left\"><\/i><\/span>                    \n                    <span class=\"cretive-button-text\">Episodio precedente<\/span>\n\n                                    <\/div>\n\t                        <\/a>\n        <\/div>\n        \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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-578456f\" data-id=\"578456f\" data-element_type=\"column\" data-e-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-54dee3e elementor-widget elementor-widget-eael-creative-button\" data-id=\"54dee3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--rayen eael-cb-icon-position-right\" href=\"https:\/\/blog.urbanitae.com\/it\/2023\/03\/05\/5-come-e-dove-investire\/\" data-text=\"Dai!\">\n            \t    \n                <div class=\"creative-button-inner\">\n\n                    \n                    <span class=\"cretive-button-text\">Prossimo episodio<\/span>\n\n                                            <span class=\"eael-creative-button-icon-right\"><i aria-hidden=\"true\" class=\"fas fa-arrow-alt-circle-right\"><\/i><\/span>                                    <\/div>\n\t                        <\/a>\n        <\/div>\n        \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>Avere obiettivi di investimento chiari ci aiuter\u00e0 a prendere decisioni migliori. Ad esempio, se investiamo con un orizzonte di 20 anni \u2013 perch\u00e9 sappiamo che il lungo termine \u00e8 nostro amico \u2013 saremo pi\u00f9 pazienti quando le cose peggioreranno.<\/p>\n","protected":false},"author":1,"featured_media":68769,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[1666,846],"tags":[1507,947,847,1917,645,1765,945,843,848,946,844],"class_list":["post-21353","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guida-agli-investimenti-per-principianti","category-impara-a-investire","tag-aprende","tag-bitcoin-bitcoin","tag-educazione-finanziaria","tag-impara","tag-inflacion","tag-inflacion-it","tag-inflazione","tag-investimento","tag-morgan-housel-it","tag-regola-del-72","tag-salvare"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3. Come pianificare bene gli investimenti - Blog Urbanitae<\/title>\n<meta name=\"description\" content=\"Investire non \u00e8 solo misurare i rischi, \u00e8 pianificare bene gli investimenti in modo che la realt\u00e0 non ti colga con il piede sbagliato. Leggi di pi\u00f9 qui.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.urbanitae.com\/it\/2023\/01\/26\/4-come-pianificare-bene-gli-investimenti\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3. Come pianificare bene gli investimenti - Blog Urbanitae\" \/>\n<meta property=\"og:description\" content=\"Investire non \u00e8 solo misurare i rischi, \u00e8 pianificare bene gli investimenti in modo che la realt\u00e0 non ti colga con il piede sbagliato. Leggi di pi\u00f9 qui.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.urbanitae.com\/it\/2023\/01\/26\/4-come-pianificare-bene-gli-investimenti\/\" \/>\n<meta property=\"og:site_name\" content=\"Urbanitae Blog | Le migliori notizie sugli investimenti immobiliari\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/urbanitae\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-26T12:09:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-18T15:27:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.urbanitae.com\/wp-content\/uploads\/2024\/01\/guia-inversion-5.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Equipo Urbanitae\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@urbanitae\" \/>\n<meta name=\"twitter:site\" content=\"@urbanitae\" \/>\n<meta name=\"twitter:label1\" content=\"Scritto da\" \/>\n\t<meta name=\"twitter:data1\" content=\"Equipo Urbanitae\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tempo di lettura stimato\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuti\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/it\\\/2023\\\/01\\\/26\\\/4-come-pianificare-bene-gli-investimenti\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/it\\\/2023\\\/01\\\/26\\\/4-come-pianificare-bene-gli-investimenti\\\/\"},\"author\":{\"name\":\"Equipo Urbanitae\",\"@id\":\"https:\\\/\\\/blog.urbanitae.com\\\/it\\\/#\\\/schema\\\/person\\\/e7b2d152f5654066832c53f5aa04fbf7\"},\"headline\":\"3. 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