Hallycon Academy

Curso 7 · Siguiente paso

What you can invest in

Cash, shares, bonds, funds, property, gold and insurance-based savings: what each one is, what it can do for you and what can go wrong.

  • 8 lecciones
  • 56 min
  • Gratis
  • Un certificado al terminar

Empezar a aprender gratis

Para quién es

Para quien tiene dinero ahorrado y quiere ver las opciones una al lado de otra antes de decidir nada.

Las lecciones

Cada lección tiene un vídeo breve, un cuestionario y enlaces para saber más. Las lecciones completas se abren tras un registro gratuito.

  1. Lección 1: Cash, savings accounts and term deposits

    7 min

    Safe from price swings, not from inflation. Savings accounts, regulated savings boxes, term deposits, and when cash is the right place for your money.

    Puntos clave

    • Cash keeps its value in euros or francs and is protected up to a limit, but inflation can still eat it.
    • Each country has its own savings boxes, such as the Livret A in France or the regulated savings account in Belgium.
    • Cash is right for the emergency fund and for money you need within about three years.

  2. Lección 2: Shares: owning a slice of a company

    7 min

    A share makes you part-owner of a company. You share in its profits and its fortunes, including the chance that it goes to zero.

    Puntos clave

    • Shareholders can receive dividends, and gain or lose as the share price moves.
    • One company can fail completely; owning many companies spreads that risk.
    • Over long periods shares have been the most rewarding and the bumpiest of the main investments (MSCI index history; not a promise).

  3. Lección 3: Bonds: lending your money

    7 min

    Government and company bonds pay interest until they end. Why bond prices fall when interest rates rise, as many savers learned in 2022.

    Puntos clave

    • A bond is a loan: you receive interest and get your money back at the end, if the borrower can pay.
    • When rates rise, older bonds lose value: Germany's 10-year yield went from about −0.2% at the end of 2021 to about 2.5% at the end of 2022 (Bundesbank).
    • A credit rating shows the borrower's risk; higher interest usually means higher risk.

  4. Lección 4: Funds: many investments in one

    7 min

    A fund pools money from many people and invests it for them. Active, index, mixed and money-market funds, what they cost, and the document to read first.

    Puntos clave

    • One purchase buys you a small part of hundreds of investments.
    • Active funds try to beat the market and cost more; index funds follow a market at low cost.
    • Read the yearly running cost and the 1–7 risk score on the key information document before you buy.

  5. Lección 5: Property: your home and beyond

    7 min

    Your home, a rental flat or a property fund. What property can do, what it costs, and why it is harder to sell than it looks.

    Puntos clave

    • Your own home is mostly a place to live; it also brings costs, debt and the risk of one town's market.
    • A rental brings income, but also tax, repairs, empty months and work.
    • Property funds and listed property companies spread across many buildings, with share-like price swings.

  6. Lección 6: Gold, oil and other commodities

    7 min

    Gold as a store of value in a crisis that pays no income, oil that swings with the world, and how people actually hold commodities.

    Puntos clave

    • Gold pays no interest or dividend; after its 1980 peak its price took 28 years to come back (London gold price, 1980–2008).
    • Oil and other raw materials swing with the economy, the weather and politics.
    • Most people hold them through exchange-traded products or coins and bars, each with storage and cost questions.

  7. Lección 7: Investing through insurance and savings plans

    7 min

    Assurance-vie, branch 21 and 23, unit-linked policies and fund savings plans: how they work, what they cost and what to ask before you sign.

    Puntos clave

    • Many Europeans invest through life-insurance savings with a capital-protected part and a fund-linked part.
    • These wrappers can bring tax benefits, but often carry entry fees, yearly charges and exit penalties.
    • Get the total yearly cost and the exit terms in writing before you sign.

  8. Lección 8: Putting it together: a side-by-side view

    7 min

    Every option compared on risk, income, cost and how easy it is to sell, and how long-term savers often combine a few of them.

    Puntos clave

    • No investment is best at everything: safety, growth, income and easy access pull in different directions.
    • Many long-term savers combine cash, bonds and shares, often through low-cost funds.
    • Currencies and crypto get their own courses because their risks are of a different kind.

Qué encontrará

  • Vídeos breves: Unos dos minutos por lección
  • Cuestionarios: Tres preguntas después de cada lección
  • Calculadoras: Inflación, interés compuesto, fondo de emergencia y comisiones
  • Certificado: Por cada curso que complete

Las lecciones completas, los vídeos y los cuestionarios se abren tras un registro gratuito: su nombre, correo electrónico, móvil y un PIN. Sin tarjeta, sin compromiso.

Empezar a aprender gratis Iniciar sesión

Educación financiera general. Hallycon Academy no gestiona dinero, no vende productos de inversión ni da asesoramiento personal. Los ejemplos no prometen ninguna rentabilidad.

Otros cursos

Todos los cursos