{"id":82517,"date":"2025-11-06T12:26:12","date_gmt":"2025-11-06T12:26:12","guid":{"rendered":"https:\/\/www.cofb.org\/?p=82517"},"modified":"2025-11-12T12:26:38","modified_gmt":"2025-11-12T12:26:38","slug":"una-nova-edicio-del-forum-cofbserveis-aborda-lestalvi-al-llarg-de-la-vida","status":"publish","type":"post","link":"https:\/\/www.cofb.org\/ca\/2025\/11\/06\/una-nova-edicio-del-forum-cofbserveis-aborda-lestalvi-al-llarg-de-la-vida\/","title":{"rendered":"Una nova edici\u00f3 del F\u00f2rum COFBServeis aborda l&#8217;estalvi al llarg de la vida"},"content":{"rendered":"\n<p>El <strong>Col\u00b7legi de Farmac\u00e8utics de Barcelona (COFB) <\/strong>va celebrar el <strong>16 d\u2019octubre <\/strong>una nova sessi\u00f3 del F\u00f2rum COFBServeis titulada \u201c<strong>Estalviar amb sentit: diferents inversions per diferents necessitats<\/strong>\u201d, amb la col\u00b7laboraci\u00f3 de <a href=\"https:\/\/www.cofbserveis.net\/\" target=\"_blank\" rel=\"noreferrer noopener\">COFB Serveis<\/a>. La sessi\u00f3 va ser realitzada per <strong>Rosa Sentandreu<\/strong>, European Financial Adviser del Grup ERSM, i va comptar amb la presentaci\u00f3 del gerent de COFBServeis, <strong>Agust\u00ed Ortega<\/strong>.<\/p>\n\n\n\n<p>Els objectius de la confer\u00e8ncia van ser analitzar <strong>com canvien les necessitats i prioritats financeres en cada etapa<\/strong>, con\u00e8ixer els <strong>principals productes d\u2019estalvi i inversi\u00f3<\/strong>, analitzar <strong>comptes d\u2019estalvi<\/strong>, <strong>fons d\u2019inversi\u00f3<\/strong>, <strong>assegurances d\u2019estalvi<\/strong>, i especialment <strong>plans de pensions<\/strong>, <strong>comparar avantatges<\/strong>, <strong>riscos<\/strong>, <strong>fiscalitat i liquiditat associada<\/strong>, entendre <strong>conceptes claus de l\u2019estalvi<\/strong>, <strong>planificar l\u2019estalvi<\/strong>, <strong>valorar imprevistos<\/strong>, <strong>preveure la jubilaci\u00f3<\/strong> i fomentar la <strong>cultura financera<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-scaled.jpg\" target=\"_blank\" rel=\" noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-1024x576.jpg\" alt=\"Rosa Sentandreu va explicar com estalviar amb sentit des del COFB\" class=\"wp-image-82523\" srcset=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-1024x576.jpg 1024w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-300x169.jpg 300w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-768x432.jpg 768w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-1536x864.jpg 1536w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-2048x1152.jpg 2048w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_01-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><figcaption class=\"wp-element-caption\">Rosa Sentandreu, en un moment de la seva presentaci\u00f3.<\/figcaption><\/figure>\n\n\n\n<p>Abans d\u2019iniciar la confer\u00e8ncia, Agust\u00ed Ortega, gerent de COFBServeis, va explicar les <strong>darreres novetats <\/strong>posades en marxa des de l\u2019empresa de serveis. En aquest sentit, Ortega va destacar el<strong> servei de subministrament el\u00e8ctric<\/strong>, posat en marxa l\u2019any 2023, aix\u00ed com els<strong> serveis jur\u00eddics i les assegurances personals<\/strong> (motor, llar, vida, patinets, salut) com professionals, junt amb el <strong>control de plagues per a l&#8217;oficina de farm\u00e0cia<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fases vitals de la vida i l&#8217;estalvi<\/h2>\n\n\n\n<p>A continuaci\u00f3, Rosa Sentandreu va iniciar la confer\u00e8ncia fent una <strong>reflexi\u00f3 <\/strong>per gestionar totes les fases vitals de la vida relacionades amb l\u2019estalvi: \u201c<strong>Quan som nens<\/strong>, moltes vegades ens diuen que <strong>s&#8217;ha d\u2019estalviar<\/strong>, fomentant aquest h\u00e0bit que abans el tenia tothom molt arrelat, per\u00f2 que <strong>s\u2019ha anat perdent<\/strong>. Hi ha coses que si no s\u2019adquireix aquest h\u00e0bit, ens podem trobar en <strong>dificultats m\u00e9s endavant<\/strong>\u201d.<\/p>\n\n\n\n<p>La segona fase vital de l\u2019estalvi neix quan \u201c<strong>una persona \u00e9s estudiant universitari <\/strong>i es comen\u00e7a a<strong> introduir al m\u00f3n laboral<\/strong>. Quan es t\u00e9 diners, tothom viatja i s\u2019hauria de fer una reflexi\u00f3 per aconseguir mantenir aquell estalvi que de petits se\u2019ns ha fomentat\u201d.<\/p>\n\n\n\n<p>Un cop arribats a aquest punt, Sentandreu va destacar que les persones arriben a una fase on \u201ces tenen <strong>moltes necessitats com comprar-se una casa<\/strong>, iniciar una vida amb alg\u00fa i casar-se, comprar-se un cotxe&#8230; posant en marxa un endeutament i creant dificultats per poder anar estalviant\u201d. Passat un temps, \u201cs\u2019arriba a la <strong>maduresa i a un desenvolupament professiona<\/strong>l on s\u2019estalvia m\u00e9s i es poden acumular diners\u201d. En aquesta \u00e8poca, la jubilaci\u00f3, l\u2019assessora financera va destacar que molta gent \u201ccomen\u00e7a a vendre alguns actius i en aquesta fase sorgeixen <strong>necessitats d\u2019acompanyament o de suport<\/strong> per un cost elevat\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Economia i finances, principal motiu d&#8217;estr\u00e8s a les persones<\/h2>\n\n\n\n<p>Pel que fa a la preocupaci\u00f3 que pot arribar a generar <strong>motius d\u2019estr\u00e8s o benestar a les persones<\/strong>, Sentandreu va afirmar, segons les dades publicades per <em>Employee Financial Wellness Survey<\/em>, que un 46% \u00e9s degut a <strong>l\u2019economia i finances<\/strong>, un 17% <strong>laborals<\/strong>, un 15% <strong>relacions socials<\/strong>, un 14% <strong>salut <\/strong>i l\u2019\u00faltim 8% \u00e9s lligat a altres aspectes\u201d.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-1024x576.jpg\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-1024x576.jpg\" alt=\"Rosa Sentandreu va explicar com estalviar amb sentit des del COFB\" class=\"wp-image-82524\" srcset=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-1024x576.jpg 1024w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-300x169.jpg 300w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-768x432.jpg 768w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-1536x864.jpg 1536w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-2048x1152.jpg 2048w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/10\/COFB_ESTALVIAR_AMB_SENTIT_20102025_02-18x10.jpg 18w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>Pel que fa al <strong>benestar financer<\/strong>, la mateixa font fa esment que \u201cel<strong> 57% dels treballadors als Estats Units<\/strong> diuen que les <strong>finances <\/strong>s\u00f3n la <strong>causa m\u00e9s gran d\u2019estr\u00e8s a les seves vides<\/strong> i el 28% dels treballadors enquestats diu que no arriba a final de mes\u201d. Tot i aquestes dades Sentandreu va matisar que \u201cel <strong>15% dels treballadors que guanyen m\u00e9s de 100.000 $ t\u00e9 el mateix problema <\/strong>i el 56% dels enquestats declara que passa 3 hores o m\u00e9s a la setmana pensant en q\u00fcestions relacionades amb les finances personals\u201d.<\/p>\n\n\n\n<p class=\"has-text-align-right\"><strong>Amb la col\u00b7laboraci\u00f3 de:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-resized\"><a href=\"https:\/\/www.cofbserveis.net\/es\/\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" width=\"411\" height=\"77\" src=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFBServeis.png\" alt=\"\" class=\"wp-image-80302\" style=\"width:268px;height:auto\" srcset=\"https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFBServeis.png 411w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFBServeis-300x56.png 300w, https:\/\/www.cofb.org\/wp-content\/uploads\/2025\/01\/COFBServeis-18x3.png 18w\" sizes=\"(max-width: 411px) 100vw, 411px\" \/><\/a><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Col\u00b7legi de Farmac\u00e8utics de Barcelona (COFB) va celebrar el 16 d\u2019octubre una nova sessi\u00f3 del F\u00f2rum COFBServeis titulada \u201cEstalviar amb sentit: diferents inversions per diferents necessitats\u201d, amb la col\u00b7laboraci\u00f3 de COFB Serveis. La sessi\u00f3 va ser realitzada per Rosa Sentandreu, European Financial Adviser del Grup ERSM, i va comptar [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":82524,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","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":"disabled","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":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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