Reporte cripto para o Fisco é obrigatório para transações já deste ano. Coimas chegam aos 22 mil euros

[Pata-Hari]

Já agora, e também relacionado com o mesmo tema, a mesma ideia aparece depois num outro artigo em que se fala em 7 questões importantes nas finanças pessoais. A certa altura fala-se em investir para a reforma quase como um profissional.

2. Invest (Almost) Like a Pro
You can put your investing strategy on autopilot with a target-retirement fund. But perhaps you want to manage your own portfolio. All it takes is a few hours a year with this two-step plan.

Step 1: Pick a mix First decide how you'll divvy up your money between stocks and bonds. You can use online tools to fine-tune a mix for your age and appetite for risk. But the easy way to decide how much you should devote to stocks is to subtract your age from 120. So if you're 40, put 80% of your long-term savings in stocks and 20% in bonds. If nothing else, this simple rule of thumb ensures that you'll own an ample amount of stock when you're young and can take more risk. Every year, subtract your age from 120 again and adjust the mix as needed.

Step 2: Buy index funds For an investment that doesn't require constant vigilance, the clear choice is an index fund. With a single fund, you can own virtually the entire stock or bond market.

No index fund will ever top the charts, but history suggests that over the long run they'll earn a better than average return. You can build a perfectly adequate portfolio with just two funds: a total stock market index fund and a total bond market index fund, both of which you can find at Fidelity or Vanguard."

A ideia parece-me bem estruturada e engraçada para quem não quer andar a brincar aos trades a vida toda...!

[Pata-Hari]

Achei engraçado parte de um artigo na cnn acerca de regras de investimento, como investir, sustentabilidade financeira pessoal, como ficar rico, etc, etc. Isto é demonstrativo do quanto os americanos são educados para pensar que os investimentos devem ser no mercado accionista e como é com grande facilidade feita uma alocação a acções muito superior ao que é considerado "normal" na Europa. Diz assim:

7. To figure out what percentage of your money should be in stocks, subtract your age from 120.
Since 1926, stocks have returned an annual average of 10.5 percent, long-term government bonds returned 5.1 percent, and "cash," measured by Treasury bills and other short-term investments, has returned just 3.1 percent. In other words, if you're investing for the long-term, stocks are the place to be. But in the short term, the stock market can be downright dangerous, with much more severe drops than the bond market has.

That's where this rule comes in - the younger you are, the more time you have to recover from stock-market crashes. As you get older, you should gradually move money out of stocks and into bonds.

Já agora, o artigo tinha algumas coisas engraçadas e que deveriam ser senso comum para todos. Para quem quiser consultar todo:

http://money.cnn.com/popups/2006/moneym ... index.html