Capitalization Plan

Capitalization of the middle classes

Capitalization of the middle classes from 1850 to 2005

In this period, in the central countries, where the Stock Exchanges were developed: USA, England, the Netherlands, Switzerland, France, Germany and Sweden. The middle classes were able to channel their savings to large companies. And so, at the same time that the big companies were growing and expanding around the world, the families of the middle classes of these countries were capitalized.

Meanwhile, in the peripheral countries there was great difficulty in the placement of strategic family reserves: the accumulation of cash was not viable due to the continuous devaluations of the currency, the stock markets of these countries had very few reliable values, housing for rent was subject to political regulations and the only acceptable investment was own housing. The result of this situation is the scarce financial culture that exists in these countries.

Capitalization since 2005

From 2005 onwards, many of the peripheral countries move into a central geographical area where they can have their reserves in international markets on equal terms with the families of the more developed countries. You just have to have the preparation, the knowledge and the determination, just as in previous periods you had the knowledge of the crops and the raising of livestock in the agricultural smallholdings.

The liberation of the economy, the free circulation of people, greater legal security, information, financial transactions over the internet and the freedom to operate in any market, open a range of possibilities for capitalization that until now did not exist in the peripheral countries.


Family Knowledge and Group Knowledge are priorities for survival. Throughout history we have a multitude of examples of groups, ethnic groups and countries that have overcome the Knowledge.

In the Modern Age and in Europe there were regions that at a certain moment were developed by the Knowledge of a technology, and were ruined decades later because other regions advanced them in Knowledge.

The Development of Knowledge Groups with the determination of continuous training and the Transmission of said Knowledge, are priorities for the Capitalization of families and groups in the long term.

Financial Independence

More and more young people are planning with the hope of achieving Financial Independence.

With pensions down and retirement age increased year by year, the possibility of achieving Financial Independence begins to gain adherents among young people.

Beyond utopias, the so-called FIRE movement (Financial Independence Retire Early) seeks to establish a strategy to achieve financial independence as soon as possible. Although the objective is not simple, there is no guarantee of achieving it and it is achieved based on years of strict saving and on investments, more and more young people are signing up to this philosophy.

The movement began in the United States, has also penetrated strongly in Canada and the United Kingdom and now lands in other countries with prospects to stay.

Work is a very important and positive part of our life, but the fact of being forced to work for 40 years so that, theoretically, we can collect a paltry pension at 67 or 70, does not seem like a good plan. And this is where financial independence comes into play: that is, the freedom to decide what to do with your time without having to depend on the State. It is a very ambitious goal, which needs a lot of perseverance and determination. Even those who believe they can get it, may not achieve it because of life’s circumstances.

To travel the road with the best chance of success, the key is to save and invest, and start as soon as possible. The financial independence consists of reaching a certain patrimony with which to ensure a sufficient income to cover the expenses generated by our lifestyle.

There are three steps that every individual can do to try to achieve the goal: invest, start doing it as soon as possible and choose the most profitable assets.

Pension plan

At this time of uncertainty regarding the sustainability of long-term pensions, and the limited record of results of the pension funds managed by the institutions, it is of special interest to create and administer a Family Pension Fund.

Capitalization Plan

It is important to establish and follow a Capitalization Plan.

For any of the cases presented: Capitalization, Financial Independence or Pension Plan, the strategy to have success possibilities is always the same:

Determination, discipline to save, invest, seek high returns, reinvestment of benefits systematically and maintain this record for long periods of time.

See Capitalization Simulator:

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