Hallycon Academy

Curso 15 · Siguiente paso

Your first plan

Bring everything together in one simple written plan: your goals, your money check, your risk comfort, your mix, how to choose a provider, the red flags to check before you sign, and your first 90 days.

  • 7 lecciones
  • 45 min
  • Gratis
  • Un certificado al terminar

Empezar a aprender gratis

Para quién es

Para quien ya ha hecho los primeros cursos, o conoce lo básico, y quiere reunir sus metas y sus cifras en un plan escrito sencillo.

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: Your goals in numbers

    6 min

    Turn vague wishes into clear goals: what, when and how much, sorted into short, medium and long term.

    Puntos clave

    • Every goal needs three things: what, when and how much.
    • Sort goals into short (under 3 years), medium (3 to 10) and long (10+).
    • Write each goal, with a number and a date, on your plan page.

  2. Lección 2: Your money check

    6 min

    A one-page check of where you stand today: net worth, monthly surplus, emergency fund and debts. Fix the foundations before you invest.

    Puntos clave

    • Check four things: net worth, monthly surplus, emergency fund and debts.
    • Fix the foundations first: a buffer and no expensive debt (Foundations first).
    • Give each number a traffic light: green, amber or red.

  3. Lección 3: Your risk profile, for real

    6 min

    Retake the risk questions, give each goal its own time horizon, and write down now what you'll do if your investments fall by 30%.

    Puntos clave

    • Retake the risk questions now that you know more.
    • Give every goal its own horizon; each pot gets its own risk level.
    • Write your rule for a 30% fall while you're calm, and sign it.

  4. Lección 4: Your mix

    7 min

    How cash, bonds and shares are usually balanced by time horizon, why a simple core works, and why fewer, cheaper and broader usually wins. Education, not a recommendation.

    Puntos clave

    • Cash, bonds and shares are usually balanced by horizon. This is education, not advice.
    • Keep a simple core and, if you want, a small explore part.
    • Fewer, cheaper, broader: costs and complexity add up over time.

  5. Lección 5: Choosing a provider

    7 min

    A practical checklist for choosing a bank, broker or adviser: licence, costs, protection, withdrawals, a real person and no pressure. Never decide on the first call.

    Puntos clave

    • Check the licence in your country's register, then the costs, protection and withdrawals.
    • Ask the six questions, expect answers in writing, and check the red flags in the next lesson.
    • Never decide on the first call. Compare, take the papers home, sleep on it.

  6. Lección 6: Red flags before you sign

    7 min

    Before you hand money to anyone: the warning signs of a bad or fake offer, the five-minute register check, and what to do if something feels wrong.

    Puntos clave

    • Guaranteed or very high returns, pressure to decide now and requests for secrecy are the classic warning signs; so is a ‘robot’ or ‘AI’ that promises to trade for you.
    • Check the firm in your regulator's register and warning list, compare the exact name and web address, and never give remote access or read out a code.
    • If money has gone: stop paying, call your bank, report it, and refuse anyone who offers to ‘recover’ it for a fee.

  7. Lección 7: Your first 90 days

    6 min

    Turn your plan into habits: an automatic monthly amount, a first review date and a short not-to-do list. Then download your certificate.

    Puntos clave

    • Set up an automatic monthly amount and put your first review date in the calendar.
    • Keep a short not-to-do list next to your plan.
    • Download your certificate, keep your written plan with it, and review the plan when life changes.

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.

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

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