{"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\/es\/2025\/11\/06\/una-nova-edicio-del-forum-cofbserveis-aborda-lestalvi-al-llarg-de-la-vida\/","title":{"rendered":"Una nueva edici\u00f3n del F\u00f3rum COFBServeis aborda el ahorro a lo largo de la vida"},"content":{"rendered":"

El Col\u00b7legi de Farmac\u00e8utics de Barcelona (COFB) <\/strong>celebr\u00f3 el 16 de octubre <\/strong>una nueva sesi\u00f3n del Foro COFBServeis titulada \u201cAhorrar con sentido: diferentes inversiones por distintas necesidades<\/strong>\u201d, con la colaboraci\u00f3n de COFB Servicios<\/a>. La sesi\u00f3n fue realizada por Rosa Sentandreu<\/strong>, European Financial Adviser del Grupo ERSM, y cont\u00f3 con la presentaci\u00f3n del gerente de COFBServeis, Agust\u00ed Ortega<\/strong>.<\/p>\n\n\n\n

Los objetivos de la conferencia fueron analizar c\u00f3mo cambian las necesidades y prioridades financieras en cada etapa<\/strong>, conocer los principales productos de ahorro e inversi\u00f3n<\/strong>, analizar cuentas de ahorro<\/strong>, fondo de inversi\u00f3n<\/strong>, seguros de ahorro<\/strong>, y especialmente planes de pensiones<\/strong>, comparar ventajas<\/strong>, riesgos<\/strong>, fiscalidad y liquidez asociada<\/strong>, entender conceptos claves del ahorro<\/strong>, planificar el ahorro<\/strong>, valorar imprevistos<\/strong>, prever la jubilaci\u00f3n<\/strong> y fomentar la cultura financiera<\/strong>.<\/p>\n\n\n\n

\"Rosa<\/a>
Rosa Sentandreu, en un momento de su presentaci\u00f3n.<\/figcaption><\/figure>\n\n\n\n

Antes de iniciar la conferencia, Agust\u00ed Ortega, gerente de COFBServeis, explic\u00f3 las \u00faltimas novedades <\/strong>puestas en marcha desde la empresa de servicios. En este sentido, Ortega destac\u00f3 el servicio de suministro el\u00e9ctrico<\/strong>, puesto en marcha en 2023, as\u00ed como los servicios jur\u00eddicos y los seguros personales<\/strong> (motor, hogar, vida, patinetes, salud) como profesionales, junto con el control de plagas para la oficina de farmacia<\/strong>.<\/p>\n\n\n\n

Fases vitales de la vida y el ahorro<\/h2>\n\n\n\n

A continuaci\u00f3n, Rosa Sentandreu inici\u00f3 la conferencia haciendo una reflexi\u00f3n <\/strong>para gestionar todas las fases vitales de la vida relacionadas con el ahorro: \u201cCuando somos ni\u00f1os<\/strong>, muchas veces nos dicen que debe ahorrarse<\/strong>, fomentando este h\u00e1bito que antes lo ten\u00eda todo el mundo muy arraigado, pero que se ha ido perdiendo<\/strong>. Hay cosas que si no se adquiere este h\u00e1bito, podemos encontrarnos en dificultades m\u00e1s adelante<\/strong>\u201d.<\/p>\n\n\n\n

La segunda fase vital del ahorro nace cuando \u201cuna persona es estudiante universitario <\/strong>y se comienza a introducir en el mundo laboral<\/strong>. Cuando se tiene dinero, todo el mundo viaja y deber\u00eda hacerse una reflexi\u00f3n para conseguir mantener ese ahorro que de peque\u00f1os se nos ha fomentado\u201d.<\/p>\n\n\n\n

Una vez llegados a este punto, Sentandreu destac\u00f3 que las personas llegan a una fase en la que \u201cse tienen muchas necesidades c\u00f3mo comprarse una casa<\/strong>, iniciar una vida con alguien y casarse, comprarse un coche\u2026 poniendo en marcha un endeudamiento y creando dificultades para poder ir ahorrando". Pasado un tiempo, "se llega a la madurez ya un desarrollo profesional<\/strong>y donde se ahorra m\u00e1s y se puede acumular dinero.\u201d En esta \u00e9poca, la jubilaci\u00f3n, la asesora financiera destac\u00f3 que mucha gente \u201cempieza a vender algunos activos y en esta fase surgen necesidades de acompa\u00f1amiento o de apoyo<\/strong> por un coste elevado\u201d.<\/p>\n\n\n\n

Econom\u00eda y finanzas, principal motivo de estr\u00e9s a las personas<\/h2>\n\n\n\n

En cuanto a la preocupaci\u00f3n que puede llegar a generar motivos de estr\u00e9s o bienestar a las personas<\/strong>, Sentandreu afirm\u00f3, seg\u00fan los datos publicados por Employee Financial Wellness Survey<\/em>, que un 46% se debe a la econom\u00eda y finanzas<\/strong>, un 17% laborales<\/strong>, un 15% relaciones sociales<\/strong>, un 14% salud <\/strong>y el \u00faltimo 8% est\u00e1 ligado a otros aspectos\u201d.<\/p>\n\n\n\n

\"Rosa<\/a><\/figure>\n\n\n\n

En cuanto al bienestar financiero<\/strong>, la misma fuente hace menci\u00f3n que \u201cel 57% de los trabajadores en Estados Unidos<\/strong> dicen que las finanzas <\/strong>son la causa mayor de estr\u00e9s en sus vidas<\/strong> y el 28% de los trabajadores encuestados dice que no llega a fin de mes". A pesar de estos datos Sentandreu matiz\u00f3 que "el 15% de los trabajadores que ganan m\u00e1s de 100.000 $ tiene el mismo problema <\/strong>y el 56% de los encuestados declara que pasa 3 horas o m\u00e1s a la semana pensando en cuestiones relacionadas con las finanzas personales\u201d.<\/p>\n\n\n\n

Con la colaboraci\u00f3n de:<\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

El Colegio de Farmac\u00e9uticos de Barcelona (COFB) celebr\u00f3 el 16 de octubre una nueva sesi\u00f3n del Foro COFBServeis titulada "Ahorrar con sentido: diferentes inversiones por diferentes necesidades", con la colaboraci\u00f3n de COFB Serveis. La sesi\u00f3n fue realizada por Rosa Sentandreu, European Financial Adviser del Grupo ERSM, y cont\u00f3 [\u2026]<\/p>","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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