What to invest in if you are 30 years old, but there is a recession, inflation and high rates?

Bogotá — Many say that the 30s are the new 20s, but in terms of investment that is not so. As more years go by, people tend to become more conservative in financial and investment terms. Is it your case? We bring you some tips.

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Bloomberg Línea contacted experts to find out what can a person in their 30s invest in, but is facing an economic recession, inflation and high rates, as is the case these days.

What to invest in if you are 30 years old?

“With age you have to be more conservative with investments to the extent that the markets are very volatileTherefore, when you are younger, you can take greater risks because in the long term there is always an opportunity to recover in the event of losses,” according to Ana Vera, chief economist at IN ON Capital.

“Normally at 30 years of age, people are looking for greater independence and stability, so if you are in your third decade of life, The ideal is to invest first in assets that have high potential for income and appreciation, such as real estate and stocks. from companies that have good dividends that can be reinvested”, added Vera.

In addition, at that time of life, “many couples get married and have children and family investment planning is necessary to guarantee education and good living conditions of the family. Now, some people take the opportunity to invest in their education and specializations looking to generate more income in the future”, commented the expert.

However, given the current context, one of the questions that may arise is how much the investment landscape changes in an environment of recession, high rates and historical inflation. About this, Vera said that “The same guideline is maintained because the key at that age is to seek to generate greater future income streamseither with distribution of dividends, rents or higher salaries if it is for investment in education”.

From the point of view of experts from Colliers Colombia, the heirs of the recent crises of 1982 and 1991 are the millennials (born between 1981 and 1996), who, unlike their predecessor generations, are beginning to take a special interest in investing in technological and disruptive initiatives that take into account aspects such as caring for the planet and the positive impact on society.

“Millennials now use technology, data and expert advicethree aspects that together allow them to feel confidence and stability when it comes to investing in the long term,” said Juliana Vasquez, senior investment consultant at Colliers Colombia.

According to investment bank Bank of America, higher-income millennials tend to prefer alternative investments such as private capital, raw materials, real estate and even arthighlighted the Colliers experts.

They also cited that 86% of millennials plan to own a home one dayaccording to American Modern Insurance Group.