{"id":110175,"date":"2024-06-11T11:24:05","date_gmt":"2024-06-11T09:24:05","guid":{"rendered":"https:\/\/www.tressis.com\/glosario\/que-es-un-actiu-financer\/"},"modified":"2026-03-23T18:40:24","modified_gmt":"2026-03-23T17:40:24","slug":"que-es-un-actiu-financer","status":"publish","type":"glosario","link":"https:\/\/www.tressis.com\/ca\/glosario\/que-es-un-actiu-financer\/","title":{"rendered":"Qu\u00e8 \u00e9s un actiu financer"},"content":{"rendered":"<p>Un actiu financer \u00e9s un instrument que representa un dret a rebre diners en el futur. A difer\u00e8ncia dels actius f\u00edsics \u2014com una casa o una m\u00e0quina\u2014, els actius financers no tenen valor per si mateixos, sin\u00f3 pel que prometen: pagaments, rendibilitat o participaci\u00f3 en beneficis.<\/p>\n<h2><strong>Exemples d&#8217;actius financers<\/strong><\/h2>\n<p>Els m\u00e9s coneguts s\u00f3n:<\/p>\n<p>Accions: et donen una part de la propietat d&#8217;una empresa i, en molts casos, dret a rebre dividends.<\/p>\n<p>Bons: s\u00f3n pr\u00e9stecs que fas a empreses o governs, a canvi d&#8217;interessos peri\u00f2dics i la devoluci\u00f3 del capital al venciment.<\/p>\n<p>Dip\u00f2sits bancaris: col\u00b7loques els teus diners en una entitat financera i reps interessos.<\/p>\n<p>Derivats: contractes el valor dels quals dep\u00e8n d&#8217;un altre actiu (<a href=\"https:\/\/www.tressis.com\/ca\/glosario\/actiu-subjacent\/\" target=\"_blank\" rel=\"noopener\">l&#8217;actiu subjacent<\/a>).<\/p>\n<h2><strong>Quina funci\u00f3 tenen?<\/strong><\/h2>\n<p>Els actius financers permeten als estalviadors invertir els seus diners i a les empreses o governs finan\u00e7ar-se. S\u00f3n el pont entre els qui tenen capital i els qui el necessiten. A m\u00e9s, aporten liquiditat al sistema, ja que la majoria poden comprar-se o vendre&#8217;s f\u00e0cilment en mercats secundaris.<\/p>\n<h2><strong>Per qu\u00e8 s\u00f3n importants?<\/strong><\/h2>\n<p>Perqu\u00e8 s\u00f3n la base del sistema financer. Les carteres d&#8217;inversi\u00f3, els fons de pensions o els balan\u00e7os dels bancs estan composts principalment per actius financers. La seva valoraci\u00f3 i el seu comportament influeixen en les decisions econ\u00f2miques d&#8217;empreses, governs i inversors particulars.<\/p>\n<h2><strong>En resum<\/strong><\/h2>\n<p>Un actiu financer \u00e9s una promesa de valor futur. No ho pots tocar, per\u00f2 pot generar rendibilitat, seguretat o creixement patrimonial. Entendre qu\u00e8 s\u00f3n, com funcionen i quins riscos impliquen \u00e9s clau per a prendre decisions financeres informades i construir un patrimoni s\u00f2lid. Perqu\u00e8 en el m\u00f3n dels diners, l&#8217;intangible tamb\u00e9 t\u00e9 molt pes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un actiu financer \u00e9s un instrument que representa un dret a rebre diners en el futur. A difer\u00e8ncia dels actius f\u00edsics \u2014com una casa o una m\u00e0quina\u2014, els actius financers no tenen valor per si mateixos, sin\u00f3 pel que prometen: pagaments, rendibilitat o participaci\u00f3 en beneficis. Exemples d&#8217;actius financers Els m\u00e9s coneguts s\u00f3n: Accions: et [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","categories":[],"tags":[],"class_list":["post-110175","glosario","type-glosario","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qu\u00e8 \u00e9s un actiu financer - Tressis<\/title>\n<meta name=\"description\" content=\"Entendre qu\u00e8 s\u00f3n, com funcionen i quins riscos impliquen \u00e9s clau per a prendre decisions financeres informades.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tressis.com\/ca\/glosario\/que-es-un-actiu-financer\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e8 \u00e9s un actiu financer - 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