{"id":72003,"date":"2025-10-20T11:49:03","date_gmt":"2025-10-20T09:49:03","guid":{"rendered":"https:\/\/blog.urbanitae.com\/?p=72003"},"modified":"2025-10-20T11:53:55","modified_gmt":"2025-10-20T09:53:55","slug":"falar-sobre-dinheiro-tambem-e-educacao-financeira","status":"publish","type":"post","link":"https:\/\/blog.urbanitae.com\/pt-pt\/2025\/10\/20\/falar-sobre-dinheiro-tambem-e-educacao-financeira\/","title":{"rendered":"\u201cFalar sobre dinheiro tamb\u00e9m \u00e9 educa\u00e7\u00e3o financeira\u201d"},"content":{"rendered":"\n<p>No passado <strong>16 de outubro<\/strong>, a Urbanitae participou, juntamente com o Confidencial Digital, numa mesa-redonda sobre <a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2025\/10\/07\/dia-da-educacao-financeira-investir-com-conhecimento-e-investir-melhor\/?utm_source=blog_pt&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_1025&#038;utm_term=educacao_financeira_1&#038;utm_content=pt_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">educa\u00e7\u00e3o financeira<\/a>. Quer\u00edamos criar um espa\u00e7o de reflex\u00e3o sobre o estado da educa\u00e7\u00e3o financeira em Espanha, as suas car\u00eancias estruturais e o seu papel como ferramenta de autonomia pessoal.<\/p>\n\n\n\n<p>O debate, moderado por <strong>Fernando Alonso<\/strong>, s\u00f3cio da finReg360, reuniu representantes do setor financeiro e da consultoria: <strong>Leonardo L\u00f3pez (ODDO BHF), Jorge Gonz\u00e1lez-Iglesias (Gibobs Allbanks), Carlos Garc\u00eda Ciriza (Aseafi), Sara Carbonell (Banco BIG), Victoria Torre (Self Bank) e Jaime Albella (CFA Society Spain)<\/strong>. A Urbanitae esteve representada pelo nosso CEO, Diego Bestard. Estes s\u00e3o alguns dos temas que surgiram na conversa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A cultura do dinheiro (e do sil\u00eancio)<\/h2>\n\n\n\n<p>Durante a sua interven\u00e7\u00e3o, <strong>Diego Bestard<\/strong> destacou que a <a href=\"https:\/\/www.funcas.es\/documentos_trabajo\/cuando-falta-cultura-financiera-gestionar-la-economia-del-hogar-sin-herramientas-suficientes\/\" target=\"_blank\" rel=\"noreferrer noopener\">educa\u00e7\u00e3o financeira em Espanha n\u00e3o s\u00f3 \u00e9 escassa, como continua a ser um tema do qual se evita falar<\/a>. \u201cNos Estados Unidos \u00e9 comum conversar sobre dinheiro em fam\u00edlia, na escola ou com amigos. Aqui continua a ser um tabu. O dinheiro n\u00e3o \u00e9 ensinado nem discutido, e isso tem consequ\u00eancias\u201d, sublinhou.<\/p>\n\n\n\n<p>Enquanto que noutros pa\u00edses os alunos estudam disciplinas de economia j\u00e1 aos 13 anos, em Espanha \u201ca economia dom\u00e9stica e a gest\u00e3o b\u00e1sica das finan\u00e7as pessoais continuam ausentes do curr\u00edculo escolar\u201d, recordou.<\/p>\n\n\n\n<p>Na sua opini\u00e3o, <strong>a educa\u00e7\u00e3o financeira deveria ser ensinada como uma disciplina principal<\/strong>, ao n\u00edvel do ingl\u00eas ou da matem\u00e1tica. Mas tamb\u00e9m deve ser entendida como uma mudan\u00e7a cultural: \u201cN\u00e3o basta aprender o que \u00e9 o juro composto; \u00e9 preciso naturalizar a conversa sobre dinheiro.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Poupar, investir e planear<\/h2>\n\n\n\n<p>A falta de educa\u00e7\u00e3o financeira tem um impacto direto na capacidade das pessoas para <strong><a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/03\/20\/4-riscos-de-nao-investir-suas-economias\/?utm_source=blog_pt&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_1025&#038;utm_term=poupar_investir_planear_futuro&#038;utm_content=pt_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">poupar, investir e planear o futuro<\/a><\/strong>. Muitos espanh\u00f3is n\u00e3o disp\u00f5em de uma estrat\u00e9gia financeira nem aproveitam as ferramentas de investimento existentes para rentabilizar a poupan\u00e7a.<\/p>\n\n\n\n<p>\u201cN\u00e3o \u00e9 preciso ser economista, mas todos dever\u00edamos ter no\u00e7\u00f5es de finan\u00e7as pessoais. Gerir rendimentos, despesas e poupan\u00e7as deveria ser t\u00e3o b\u00e1sico como saber ler ou escrever\u201d, apontou o nosso CEO.<\/p>\n\n\n\n<p>V\u00e1rios especialistas concordaram em destacar a tend\u00eancia dos espanh\u00f3is para o <strong>curtoprazismo<\/strong>, ainda muito enraizado. Por exemplo, ao escolher sistematicamente dep\u00f3sitos banc\u00e1rios, quando existem op\u00e7\u00f5es seguras e rent\u00e1veis que permitem construir patrim\u00f3nio a longo prazo.<\/p>\n\n\n\n<p>Entre as causas deste comportamento, Diego apontou a <strong>falta de planeamento<\/strong>, a confian\u00e7a excessiva no sistema p\u00fablico de pens\u00f5es e a fraca forma\u00e7\u00e3o fiscal. \u201cEm Espanha existe uma sensa\u00e7\u00e3o de rede social \u2014 Estado, fam\u00edlia, amigos \u2014 que, embora positiva, reduz o incentivo para planear a longo prazo\u201d, explicou.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fenda digital e novas gera\u00e7\u00f5es<\/h2>\n\n\n\n<p>Um dos temas mais comentados foi a <strong>inclus\u00e3o digital<\/strong>. Embora as gera\u00e7\u00f5es mais jovens se movimentem com facilidade no ambiente digital, ainda existe uma parte significativa da popula\u00e7\u00e3o que encontra dificuldades em gerir as suas finan\u00e7as online.<\/p>\n\n\n\n<p>Ainda assim, Bestard quis destacar o papel positivo da tecnologia: \u201cA digitaliza\u00e7\u00e3o democratizou o acesso ao investimento. Hoje qualquer pessoa pode investir de forma simples, segura e transparente, sem necessidade de conhecimentos avan\u00e7ados.\u201d<\/p>\n\n\n\n<p>Mas nem tudo s\u00e3o vantagens. As novas gera\u00e7\u00f5es mostram <strong>mais curiosidade e interesse em investir e entender o dinheiro<\/strong>, mas essa inquieta\u00e7\u00e3o deve ser acompanhada de <strong>forma\u00e7\u00e3o e crit\u00e9rio<\/strong>. \u201cA curiosidade \u00e9 boa, mas sem conhecimento pode levar a erros. A <a href=\"https:\/\/mkt.urbanitae.com\/urbanitae_academy.html?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_1025&amp;utm_term=educacao_financeira_1&amp;utm_content=pt_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">educa\u00e7\u00e3o financeira<\/a> tem de canalizar essa energia e transform\u00e1-la em decis\u00e3o informada.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Espanha e Europa: duas velocidades<\/h2>\n\n\n\n<p><a href=\"https:\/\/blog.urbanitae.com\/pt-pt\/2024\/11\/23\/por-que-falta-cultura-de-investimento-em-espanha\/?utm_source=blog_pt&#038;utm_medium=organic&#038;utm_campaign=urbanitae_blog_1025&#038;utm_term=espanha_continua_atras_paises_europeus_educacao_financeira&#038;utm_content=pt_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">Espanha continua atr\u00e1s de outros pa\u00edses europeus em mat\u00e9ria de educa\u00e7\u00e3o financeira<\/a>. Os intervenientes coincidiram no diagn\u00f3stico: um sistema educativo que n\u00e3o prioriza a forma\u00e7\u00e3o pr\u00e1tica, uma cultura que evita falar de dinheiro e uma confian\u00e7a excessiva de que o Estado resolver\u00e1 as necessidades econ\u00f3micas futuras.<\/p>\n\n\n\n<p>Apesar de tudo, h\u00e1 espa\u00e7o para otimismo e uma sensa\u00e7\u00e3o de oportunidade. Nota-se uma mudan\u00e7a de tend\u00eancia nas novas gera\u00e7\u00f5es. \u201cH\u00e1 mais interesse, mais consci\u00eancia e mais vontade de aprender. O importante agora \u00e9 colocar-lhes \u00e0 disposi\u00e7\u00e3o as ferramentas adequadas\u201d, comentou Bestard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O nosso compromisso com a educa\u00e7\u00e3o financeira<\/h2>\n\n\n\n<p>Na Urbanitae acreditamos que a educa\u00e7\u00e3o financeira \u00e9 chave para <strong>democratizar o investimento e fomentar a autonomia econ\u00f3mica<\/strong>. Por isso lan\u00e7\u00e1mos a <strong><a href=\"https:\/\/mkt.urbanitae.com\/urbanitae_academy.html?utm_source=blog_pt&amp;utm_medium=organic&amp;utm_campaign=urbanitae_blog_1025&amp;utm_term=urbanitae_academy&amp;utm_content=pt_hablar_dinero_es_educacion_financiera\" target=\"_blank\" rel=\"noreferrer noopener\">Urbanitae Academy<\/a><\/strong>, uma plataforma gratuita que ajuda qualquer pessoa \u2014 investidor ou n\u00e3o \u2014 a adquirir conhecimentos b\u00e1sicos sobre poupan\u00e7a, risco e investimento imobili\u00e1rio.<\/p>\n\n\n\n<p>Continuamos a trabalhar em novos conte\u00fados e cursos que ser\u00e3o lan\u00e7ados <strong>antes do final do ano<\/strong>, com o objetivo de continuar a promover uma cultura financeira mais aberta, consciente e acess\u00edvel a todos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A educa\u00e7\u00e3o financeira em Espanha \u00e9 limitada, mas o interesse das novas gera\u00e7\u00f5es e a digitaliza\u00e7\u00e3o geram oportunidades.<\/p>\n","protected":false},"author":1,"featured_media":72124,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[853,1029],"tags":[1750,854,850],"class_list":["post-72003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprenda-a-investir","category-investimento-imobiliario-pt-pt","tag-diego-bestard-pt","tag-educacao-financeira","tag-investimento-pt-pt"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u201cFalar sobre dinheiro tamb\u00e9m \u00e9 educa\u00e7\u00e3o financeira\u201d<\/title>\n<meta name=\"description\" content=\"Educa\u00e7\u00e3o financeira em Espanha: descubra desafios, lacunas e oportunidades para poupar, investir e planear o seu futuro com seguran\u00e7a.\" 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