man there is an innate aversion or at least a strong resistance to change, due to several factors. The main ones are: laziness, habits and above all fear of the unknown.
The face new roads is perceived as risky e mette in moto processi mentali che, con l'abbandono di modelli già ben sperimentati , allontanano l'individuo da quello stato che Maslow ha individuato come un bisogno assolutamente primario: la sicurezza.
Partendo da quest'assunto come potrebbero far eccezione le scelte inerenti alla gestione di quel bene così fondamentale , il denaro?
Ed è per questo motivo che, a dispetto della logica e della razionalità, si tende a reiterare le proprie scelte anche quando appare sufficientemente chiaro che non sono le più profittevoli e probabilmente neanche le più sicure.
Il risparmiatore italiano, ad esempio, detiene tuttora una buona parte dei 1650 miliardi del progressivamente crescente debito pubblico dello stato denominato in Bot , Cct , Btp , Ctz e nel momento in cui decide di investire nei mercati azionari tende, nonostante un'economia interna al momento Tutt 'nothing but brilliant, prefer to buy shares rather than Italian funds or other countries. If nothing else because know them, hear about the news and seems to have his money close, under control.
Those who chew a bit 'of finance are well aware that this is an illusion.
This attitude we are not alone, as in other countries, the United States in mind, we continue to focus what is known, even if better if home is not absolute the best choice.
Not to mention the Japanese case, where the 8000 billion public debt to 90% are in the hands of the citizens of the Rising Sun , among other remunerated at a rate substantially zero.
This (non) choice is, at least at the moment and until we change the economic outlook compared, heavily penalizing for Western investors in the domestic markets, both in terms of performance and risk.
In fact, if we compare the Western world and emerging countries we notice a trend that sees more and more obvious to the first:
- Economies in crisis and little reactive
- abnormal and growing public debt
- chronic budget deficit
- low interest rates due to the need to stimulate the economy and contain the same time the financial burden on the debt.
diametrically opposite is the framework of the latter, in essence we are faced with two opposing worlds.
One-consuming (even beyond its capabilities), and therefore produce little s'indebita. The other fast-growing economy, which consumes even a little, save a lot and pays generously money, is that taken a loan to invest in productive activities.
The surplus of wealth that does not consume, it offers taken the consumer world, boosting his earnings to be increased by capitalization of interest active.
Coming so also the side benefit of keeping all competitive ' exchange their currencies, which otherwise would appreciate for negotiations due to new capital entrants in the face of exports.
Add to this, that while the emerging countries (which are actually already "emerged" while Westerners are with "the water in the throat") are mostly ruled with great attention to the financial dynamics (to be seen measures the Chinese authorities to prevent the formation of bubbles), the policy makers West have so far managed superficiality (especially in the U.S.) monetary policy and liquidity markets up to the outbreak of the financial crisis of 2008.
And even now the monetary policies of developed countries (or white?) Are not impeccable, as we have a system awash with liquidity in a short time will eventually generate inflationary pressures , compared to economic growth and still very doubtful probably of little effect.
And as if all this were not enough, especially in emerging countries of Latin America, Russia and the Middle East, holding large quantities of raw materials , the whose prices are steadily rising.
We Finally, in terms of perspective, the potential for economic growth of nations like India and China in terms of domestic consumption the moment, as though embryonic implemented, will increase the standard of living of their peoples.
We are still at the beginning of an epochal change, such as to generate significant opportunities for those who will seize.
But to do this will require the courage to leave the shell.
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