---
title: 'Cómo repartir una cartera de inversión'
source: 'https://youtube.com/watch?v=7JAvZPx41rQ'
video_id: '7JAvZPx41rQ'
date: 2026-08-06
duration_sec: 76
---

# Cómo repartir una cartera de inversión

> Source: [Cómo repartir una cartera de inversión](https://youtube.com/watch?v=7JAvZPx41rQ)

## Summary

The video is a concise personal-finance guide warning viewers against common investing mistakes. The first mistake is concentrating everything in the S&P 500, which only covers the U.S. market. The creator recommends adding an international index fund that includes Europe, Japan, and emerging markets such as China, Taiwan, India, Brazil, and Mexico, noting that AI exposure is already built into these broad funds. Gold and bitcoin can be added as complements.

### Key Points

- **Diversify beyond the S&P 500** [00:00] — The S&P 500 is fine but only covers the U.S. Add an international index fund covering Europe, Japan, and emerging markets like China, Taiwan, India, Brazil, and Mexico. AI exposure is already included in these broad funds.
- **Complement with gold and bitcoin** [00:13] — Gold and bitcoin can be added as complementary assets to a globally diversified index fund portfolio.
- **Build an emergency fund** [00:25] — Before investing, build an emergency fund in a high-yield account like Revolut or Trade Republic, which currently pays about 2% with monthly payments and no withdrawal penalty.
- **Eliminate bad debt** [00:39] — Eliminate bad debt such as quick loans (e.g., Cofidis at 24%) because earning 8% annually while paying 24% is mathematically a losing strategy.
- **Use a pension plan as first investment** [00:53] — Make your first investment a pension plan: it can reduce your taxable income by up to €1,500 per year, saving about €450 in taxes. Pension plans used to be poor but are now much better.
- **Allocation percentages in description** [01:06] — The recommended percentage allocation for each investment is written in the video description.

## Transcript

investments.  The SP500 is very good, but it's only the United States.  What about the rest of the world?  I include an indexed fund of Europe, Japan and emerging countries, where here you have China, Taiwan, India, Brazil, Mexico.  Here you
already have the whole world and don't worry about artificial intelligence because it's already included.  If so, complement it with a little gold and Bitcoin.  Now, before doing all this, you have to do three things.
First, have an emergency fund and put it in a high-yield savings account like Revolut Republic, which currently offers 2% interest with monthly payments, without any penalty if you withdraw it in case of any emergency, as these can
happen without warning.  Second, eliminate bad debt.  What good is investing and earning 8% annually if you're paying a typical Cofidis quick loan at 24%? Mathematically, there's no question about it.  And third, make your first investment in a
pension plan, because you can lower your IRPC taxable income by up to €15,500 each year, which means paying about €450 less in taxes. Pension plans used to be terrible, but now they're very good.  You already know what to
invest in, but what percentage, what weight in each of the investments I have in each of the investments I have written in the description.