Saving Management and Capital Accumulation: Guidelines for Young Graduates

This thesis develops a systematic accumulation plan and an asset allocation strategy for long-term investments aimed at ensuring greater financial security for the future. Through an in-depth analysis of financial instruments such as stocks and bonds, it proposes to build a diversified portfolio with a particular focus on low costs and improving returns. Finally, it provides a practical and theoretical framework to support young people in planning their financial future, contributing to the discussion on the importance of personal financial management.