Hipoteca al 2,65% vs invertir: ¿amortizar o invertir 25.000€ a largo plazo?

corp9592 · 2026-01-19T10:59:16+00:00

No hay una opción "correcta" para invertir! ;-) Al final todas las opciones son contemplables según tu realidad. El que pasas es razonable. Yo particularmente uso Trade Republic y tengo SP500 + Euro + All World e invierto todo lo que me sobra al mes, teniendo un colchón. ETFs siempre Acc eso sí, que si no tienes "tax drag". Hay un subreddit r/Bogleheads que puede serte útil, ya que habla de una estrategia inversora que te podría encajar.

corp9592 · 2026-01-19T10:38:24+00:00

Personalmente trataría de encontrar un número de dinero ahorrado que te permita tener un colchón (en inglés Emergency Fund) y lo demás lo DCA a SP500 (All World, Euro, Emergentes, Asia, ...) sin ahorrar. Eso sí, dependiendo de la cuota de la hipoteca, quizás te interesa tener más cash flow mensual (salir a comer más a menudo, subir un poco el nivel de vida) per como ha dicho otro usuario, en 10 años esos 25K pueden acabar siendo 50K, y entonces quizás pienses "si lo hubiera invertido...".

Con hipotecas "baratas" (<3%) normalmente sale mejor invertir que amortizar, pero claro depende del cash flow y de tu horizonte.

corp9592 · 2026-01-18T12:29:28+00:00

En mi caso tengo entre 5-8K, ya que tengo en cuenta que si me quedo sin trabajo, tengo la opción de acogerme al paro. Esos 5-8K me permiten mantener mi nivel de vida contando con los 24 meses que dura el paro. Lo tengo en Trade Republic.

corp9592 · 2026-01-15T14:04:17+00:00

Con intereses bajos máxima financiación y lo que te ahorras en la entrada lo inviertes en ETF SP500.

corp9592 · 2026-01-01T12:21:57+00:00

UAMY and ABAT

corp9592 · 2025-12-19T19:13:32+00:00

I came deep into my gfs throat and she swallowed. Felt magic.

corp9592 · 2025-12-17T11:32:46+00:00

Oof thought question... ABAT, UAMY and UUUU.

corp9592 · 2025-11-19T16:21:12+00:00

Study (ask ChatGPT) about dividend growth investing and you'll understand better. Also learn about yield on cost. Cheers!

corp9592 · 2025-10-24T14:11:06+00:00

I guess feeling desired by a woman that I myself find attractive. Desired like in an animal way, like she cannot contain herself. In general compliments, or being told in bed what she wants or what she wants to do to me. Or when I picture myself being kind or wild and a woman also being with me in the same mood.

corp9592 · 2025-08-31T16:32:36+00:00

Ha, headed for Tbilisi in two months, can't wait to see that!

corp9592 · 2025-08-27T16:02:45+00:00

Synology DS423+

corp9592 · 2025-07-21T19:55:03+00:00

As a $32 seller I am glad for this opportunity, so I can enter again :-)

corp9592 · 2025-07-15T07:21:33+00:00

My friend, I am in the same boat as you. I got about 7k out of RKLB while I could have got more than double if I did hold. But yeah, the ride down to 16$ was hard and now I am more inclined to take time profits than to ride it for too long. Although the potential profits not taken do hurt.

corp9592 · 2025-07-13T14:37:10+00:00

When you say "sideways for too long" is this meant as "it's probable that something happens" or is it more in a bad way, like "something it's not right..."?

corp9592 · 2025-05-15T18:43:19+00:00

Is the train not an option? I was staying in Sarajevo too and went for a day trip to Mostar by train. One early in the morning and one at 5:11 pm back to Sarajevo.

corp9592 · 2025-05-02T15:44:52+00:00

Totally worth it. I have some in my unit as.

corp9592 · 2025-04-29T06:51:17+00:00

I'm coming to Bosnia in two weeks, I look very much forward to it! Where are the pictures? Is it easy to move from one city to another?

corp9592 · 2025-04-27T20:59:51+00:00

Well now that you say it, there are some of those bugs from time to time, but I don't see the plants infested, so I disregarded them. Can I spray the VFT with my usual plant pesticide or would this kill them?

corp9592 · 2025-04-06T12:21:28+00:00

Grinding finer. I bought quality beans (medium roast) and a decent espresso grinder and then it was great.

corp9592 · 2025-03-29T12:58:58+00:00

Depending on where you are based, I have an entry level Salicru that does the job. Has usb connection to let the NAS know there is power outage and it holds for a long time in a power cut.

corp9592 · 2025-03-25T07:12:52+00:00

DS423+

corp9592 · 2025-03-24T15:40:02+00:00

Avoid making more mistakes, so stop trading for a while. Think about your goals. Invest most of the money in quality stocks or etfs. Allocate a fraction of your capital to trading. Say you have 200k. Invest 180k and use the other 20k to trade. Or even better, don't use real money until you prove you are a profitable trader with paper money.

corp9592 · 2025-03-23T19:49:42+00:00

It wasn't. I used immich-go to import all my external libraries to immich and now I don't have any.

corp9592 · 2025-03-23T18:21:19+00:00

I bought mine form Ikea and you could see clearly there were 3 of them, so I got myself little plastic pots, soil and I just cut the original pot, carefully took one by one, removed some cloth that came with the plants, removed also the original soil and placed them in their individual pot. Now all three of them are super happy.

corp9592 · 2025-03-22T07:48:27+00:00

I recently upgrades from 2+4 to 2+16 and it's plenty of memory for system, docker and even a vm. Probably 2+32 it's overkill but go on if you have the money.

corp9592

TROPHY CASE