La educación financiera se ha convertido en un pilar fundamental para la formación integral de los jóvenes en los últimos años.
En un mundo donde las decisiones económicas impactan cada vez más nuestras vidas, brindar las herramientas para tomar decisiones informadas y responsables es crucial para el futuro personal y profesional.
Algunas de las dudas a las que todos, alguna vez en la vida, nos enfrentaremos son: ¿conviene comprar o alquilar? ¿En qué instrumento es más conveniente invertir de acuerdo con nuestro perfil y posibilidades? ¿Cómo generar ingresos pasivos? ¿Cómo funciona la capitalización de intereses? ¿Con descuento al contado o financiado? ¿Qué riesgos están asociados a los juegos y apuestas?, entre otros.
Los conocimientos y habilidades de una adecuada formación en educación financiera, permitirán a los jóvenes estar mejor preparados para:
La planificación financiera:
– Establecimiento de metas a corto y largo plazo.
– Elaboración de presupuestos y planes de ahorro.
– Comprensión de conceptos como inversión y diversificación.
El manejo responsable del dinero:
– Evitar el endeudamiento excesivo.
– Tomar decisiones informadas sobre productos financieros.
– Protegerse de estafas y malas prácticas.
Autonomía y responsabilidad:
– Desarrollar un sentido de control sobre su destino económico.
– Enfrentar los desafíos financieros con confianza y resiliencia.
– Fortalecer la autoestima y la capacidad de tomar decisiones.
INICIATIVAS
Actualmente existen diversas iniciativas que se están desarrollando en materia de educación financiera, desde contenidos públicos en redes sociales, programas desarrollados por instituciones financieras, hasta plataformas educativas que incluyen capacitación en la materia como parte de sus soluciones para formar a estudiantes, docentes y a aquellos jóvenes que comienzan a tener independencia en la toma de decisiones sobre su dinero.
Al existir mucha información disponible sobre educación financiera, es crucial que los padres, docentes o funcionarios estén atentos a los potenciales sesgos, riesgos e influencias que pueden afectar la calidad de la educación a la que acceden los estudiantes.
RIESGOS DE LA DESINFORMACIÓN FINANCIERA
– Información incompleta o sesgada: priorización de productos o servicios de una empresa, omitiendo alternativas o riesgos asociados.
– Falta de objetividad: enfoque en la venta de productos, no en la educación financiera integral.
– Marketing encubierto: mezcla de información educativa con publicidad de productos.
– Recomendaciones no siempre imparciales: priorización de productos rentables para la eventual entidad financiera que brinda la formación, no para el usuario.
– Falta de transparencia: posible ocultamiento de información relevante para la toma de decisiones.
– Presión para adquirir productos: sensación de obligación o compromiso con la institución que apadrina el proyecto.
BENEFICIOS
La educación financiera no debe ser un privilegio, sino un derecho para todos los jóvenes. Invertir en ella para las nuevas generaciones, significa invertir en un futuro más sólido y próspero.
Al respecto, la Organización para la Cooperación y el Desarrollo Económicos (OCDE), asegura que los países con mejor educación financiera tienen una economía más sólida y sus ciudadanos tienen un nivel de vida más alto.
De hecho, diversos estudios de este y otros organismos, parecen demostrar que la educación financiera está directamente relacionada con una mayor capacidad de ahorro, una mejor toma de decisiones y un menor peso de las deudas en las familias.
Según dichos estudios, una mejora del 1% en los índices de educación financiera podría impactar hasta en un aumento del alrededor del 3% en el PIB per cápita en varios países de la región.
Al brindar a los jóvenes las herramientas adecuadas para tomar decisiones informadas y responsables, no solo se les asegura un futuro financiero más sólido, sino que también se contribuye al desarrollo de una sociedad más próspera y equitativa.
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