Per què la taxa d’estalvi és més important que el retorn que generen els nostres estalvis
Publicat originalment a marketwatch.com
Here is why your savings rate is more important than your investments’ returns
It is only natural for investors to want assets with the best possible performance and lowest costs, but the secret to building wealth has less to do with returns and more to do with your savings rate, according to analysts at Pension Partners.
In other words, the amount of money you contribute to your retirement fund is far more important than what investment vehicles the money is parked in, as you can control the former but not the latter.
It makes sense intuitively. Saving $20,000 a year will grow your wealth a lot faster than saving $10,000 a year. But even incremental savings-rate increases play a far bigger role than corresponding increases in the rate of return.
To illustrate the importance of savings vis-à-vis investing, Charlie Bilello, director of research at Pension Partners LLC, ran some numbers on what would happen to your wealth if you increased your savings rate by 1% and correspondingly what would happen if the rate of return on a portfolio increased by…