html,body{font-size:16px !important;line-height:18px !important;height:100%;color:#333;padding:0;margin:0}*,html,body{font-family:"Poppins",sans-serif;font-weight:normal;letter-spacing:normal;-webkit-font-smoothing:antialiased;-webkit-box-sizing:border-box;-moz-box-sizing:border-box;box-sizing:border-box;text-rendering:geometrirecision;-webkit-tap-highlight-color:rgba(0,0,0,0);outline:none !important;letter-spacing:-0.1px;word-wrap:break-word}.row{display:flex;flex-wrap:wrap;margin-left:-10px;margin-right:-10px;padding:0 2px}.col{flex:0 0 auto;width:25%;margin-bottom:20px;padding-left:10px;padding-right:10px}.col .entity-item{height:100%}strong,b{font-family:"Poppins",sans-serif;font-weight:bold}figure{margin:0;padding:0}a{text-decoration:none;color:#174fae}a:hover{text-decoration:underline}pre{padding:5px;margin-top:20px;background:#f3f3f3;border:1px solid #ccc}p{font-size:18px;line-height:24px}.link{cursor:pointer}.nowrap{white-space:nowrap}.overflow-auto{overflow:auto !important;-webkit-overflow-scrolling:touch !important}.h1,.h2,.h3,.h4,.h5,.h6,h1,h2,h3,h4,h5,h6{font-family:"Poppins",sans-serif;font-weight:bold}.multiple:after{content:',';margin-right:4px}.multiple:last-child:after{content:'';margin-right:0}.icon-home{display:flex;justify-content:center;align-items:center}.icon-home svg{fill:#fff;width:15px;height:15px}.icon svg{fill:#fff;width:35px;height:35px}.m-0{margin:0 !important}.p-0{padding:0 !important}.mt-0{margin-top:0 !important}.mb-0{margin-bottom:0 !important}.mb-2{margin-bottom:10px !important}.me-1{margin-right:5px !important}.me-2{margin-right:10px !important}.mb-4{margin-bottom:20px !important}.mt-2{margin-top:20px !important}.mt-1{margin-top:10px !important}.opacity-0{opacity:0 !important}hr{border:0;border-top:1px solid #ccc}.hide-scrollbar{overflow-x:scroll;scrollbar-width:none}.hide-scrollbar::-webkit-scrollbar{display:none}.d-none{display:none !important}.btn{display:inline-block;font-weight:400;line-height:1.5;color:#212529;text-align:center;text-decoration:none;vertical-align:middle;cursor:pointer;-webkit--select:none;-moz--select:none;-select:none;background-color:transparent;border:1px solid transparent;padding:.375rem .75rem;font-size:1rem;border-radius:.25rem;transition:color .15s ease-in-out,background-color .15s ease-in-out,border-color .15s ease-in-out,box-shadow .15s ease-in-out}.btn:hover{text-decoration:none}.btn-link{font-weight:400;color:#0d6efd;text-decoration:none}.btn-group-sm>.btn,.btn-sm{padding:.25rem .5rem;font-size:.875rem;border-radius:.2rem}.btn-outline-dark{color:#212529;border-color:#212529}.btn-outline-dark a{color:#212529}.btn-outline-dark:hover{color:#fff;background-color:#212529;border-color:#212529}.btn-outline-dark:hover a{color:#fff;text-decoration:none}.btn-outline-light{color:#f8f9fa;border-color:#f8f9fa}.btn-outline-light:hover{color:#000;background-color:#f8f9fa;border-color:#f8f9fa}.btn-secondary{color:#fff;background-color:#6c757d;border-color:#6c757d}.btn-dark{color:#fff;background-color:#001c4c;border-color:#001c4c}.btn-danger{color:#fff;background-color:#dc3545;border-color:#dc3545}.btn-light{color:#000;background-color:#f8f9fa;border-color:#f8f9fa}.btn-rounded{border-radius:50px}.btn-dark:hover{color:#ccc}.btn-outline-dark{color:#212529;border-color:#212529}.btn-outline-dark:hover{color:#fff;background-color:#212529;border-color:#212529}.btn-movie{font-size:25px;line-height:25px;padding:0;border-radius:50% !important;width:60px;height:60px;margin:0 15px 0 0;display:flex;justify-content:center;align-items:center}.btn-movie svg{width:30px;height:30px}.btn-icon{line-height:0}.btn-icon svg{fill:#fff;width:1.1em;height:1.1em}.btn-movie:hover svg{fill:#fff}.breadcrumb{font-size:16px;line-height:30px}.breadcrumb{display:flex;flex-wrap:wrap;padding:0;margin-bottom:1rem;list-style:none}.breadcrumb-item+.breadcrumb-item{padding-left:.5rem}.breadcrumb-item+.breadcrumb-item::before{float:left;padding-right:.5rem;color:#6c757d;content:"/";font-size:12px}.sidebar{display:flex;justify-content:space-between;height:100%;flex-direction:column}.sticky-box{height:100%;width:100%;margin-bottom:20px;padding:0}.banner{position:sticky;top:10px;margin-bottom:20px;margin-left:auto;margin-right:auto}.banner ins{position:sticky;top:10px;text-decoration:none;display:block;overflow:hidden !important}.banner ins:after{content:'PUBLICIDAD';background:#f5f5f5;width:100%;display:block;text-align:center;font-size:12px;line-height:12px;padding:4px 0}.bottom-ad-module{display:none}.roba-mobile{display:none}.roba-mobile,.roba-desktop{min-height:600px}.roba-desktop{display:flex;justify-content:start;align-items:end;flex-direction:column;width:320px;max-width:320px}.board-article-outbrain{margin-bottom:40px}.input-group{position:relative;display:flex;flex-wrap:wrap;align-items:stretch;width:100%}.input-group>.form-control,.input-group>.form-select{position:relative;flex:1 1 auto;width:1%;min-width:0}.input-group:not(.has-validation)>.dropdown-toggle:nth-last-child(n+3),.input-group:not(.has-validation)>:not(:last-child):not(.dropdown-toggle):not(.dropdown-menu){border-top-right-radius:0;border-bottom-right-radius:0}.input-group>:not(:first-child):not(.dropdown-menu):not(.valid-tooltip):not(.valid-):not(.invalid-tooltip):not(.invalid-){margin-left:-1px;border-top-left-radius:0;border-bottom-left-radius:0}.form-control{display:block;width:100%;padding:.375rem .75rem;font-size:1rem;font-weight:400;line-height:1.5;color:#212529;background-color:#fff;background-clip:padding-box;border:1px solid #ced4da;-webkit-appearance:none;-moz-appearance:none;appearance:none;border-radius:.25rem;transition:border-color .15s ease-in-out,box-shadow .15s ease-in-out}.form-control-sm{min-height:calc(1.5em+.5rem+2px);padding:.25rem .5rem;font-size:.875rem;border-radius:.2rem}.container{width:1140px;margin-left:auto;margin-right:auto}.top{margin-bottom:20px}.topbar-container{width:100%;background-color:#001c4c}.topbar{position:relative;display:flex;justify-content:center;padding:10px 0;z-index:2}.header-section{border-top:1px solid #fff;background-color:#eaede2;padding:10px 0;text-align:center}.header-section .header-section-title,.header-section .header-section-title a{font-family:"Poppins",sans-serif;font-weight:700;font-size:26px;line-height:26px;margin:0;padding:0;color:#001c4c}.menu-container{width:100%}.menu{position:relative;display:flex;justify-content:center;border-bottom:1px solid #ffffff59;padding:5px 0;z-index:2;background-color:#f3f3f3}.menu .navbar-nav{display:flex;flex-direction:row;list-style:none;padding:0;margin:0}.menu .navbar-nav .nav-link{display:block;padding:.5rem;text-decoration:none;transition:color .15s ease-in-out,background-color .15s ease-in-out,border-color .15s ease-in-out;color:rgba(0,0,0,.55);font-weight:500;font-size:14px;line-height:14px;text-transform:uppercase}.form-search-container{padding:15px 0;width:auto;background-color:#e9f1f8}.form-search{display:flex;flex-direction:row;justify-content:center;width:1140px;margin-left:auto;margin-right:auto}.form-search form{display:flex;width:50%}.form-search .input-search-autocomplete{background-color:#ffffffa8}.section{width:100%;margin-bottom:40px}.section .section-header{display:flex;align-items:center;justify-content:space-between;border-top:3px solid #001c4c;border-bottom:1px solid #001c4c;margin-bottom:20px}.section .section-header p,.section .section-header h2,.section .section-header h1{font-size:24px;line-height:28px;font-weight:bold;color:#001c4c;font-size:24px;line-height:24px;padding:10px 0;margin:0}.entity-item{display:flex;flex-direction:column;position:relative;width:100%;border-bottom:4px solid #001c4c;background:#f3f3f3;box-shadow:0 0 4px #000;text-align:left;margin-bottom:0}.entity-item .entity-item-details{order:1;padding:10px}.entity-item .entity-title,.entity-item .entity-title a{font-size:18px;line-height:20px;font-family:"Poppins",sans-serif;font-weight:600;color:#333;text-decoration:none;margin-bottom:0;margin-top:0;text-transform:uppercase}.entity-item .entity-title small{font-size:14px;line-height:16px}.entity-item .entity-title a:before{content:"";top:0;left:0;right:0;bottom:0;display:block;margin:0;padding:0;position:absolute;z-index:2}.entity-item .entity-item-image{order:0}.entity-item .figure{position:relative;aspect-ratio:.66666667;display:flex;justify-content:center;align-items:center;background-color:#222;color:#fff;overflow:hidden}.entity-item .figure:after{content:var(--category-var);position:absolute;bottom:5px;right:5px;font-size:14px;line-height:14px;text-align:right;background:#2e579e;color:#fff;font-weight:bold;padding:3px 6px;border-radius:5px}.entity-item .figure .img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover}.footer{background-color:#001c4c;padding:20px 0}.footer .container{display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center}.footer p{font-size:14px;line-height:1;color:#fff;text-align:center;padding:0 10px}.footer a{color:#ccc}.gallery{display:grid;grid-auto-flow:column;grid-auto-columns:calc(100% / 1.1);gap:10px;overflow-x:scroll;scroll-snap-type:x mandatory;scroll-behavior:smooth}.gallery figure{scroll-snap-align:start;position:relative;aspect-ratio:16 / 9;border-radius:10px;border:1px solid #ccc;display:flex;justify-content:center;align-items:center;background-color:#222;color:#fff;width:100%}.gallery img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover;border-radius:10px}.video-gallery{display:grid;grid-auto-flow:column;grid-auto-columns:calc(100% / 1.1);gap:10px;overflow-x:scroll;scroll-snap-type:x mandatory;scroll-behavior:smooth}.video{scroll-snap-align:start;border-radius:10px;overflow:hidden}.video iframe{width:100%;height:100%;aspect-ratio:16 / 9}.entity-gallery .gallery-row>*{border:1px solid #ffffff00}.entity-gallery .gallery-row{display:grid;grid-auto-flow:column;grid-auto-columns:calc(100% / 4.06);gap:15px;overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;scroll-behavior:smooth;scroll-padding:0}.entity-gallery .gallery-row-6{grid-auto-columns:calc(100% / 5.9)}.entity-gallery .gallery-column{width:100%;scroll-snap-align:start;object-fit:cover}.entity-gallery .entity-item{display:flex;flex-direction:column;position:relative;margin-bottom:0;height:100%}.carousel-wrapper{position:relative}.carousel-button{position:absolute;top:50%;transform:translateY(-50%);background-color:#00000099;color:white;border:0;padding:10px 10px;cursor:pointer;z-index:10;border-radius:100%;display:flex;justify-content:center;align-items:center}.carousel-button svg{fill:#fff;width:20px;height:20px}.carousel-prev{left:0}.carousel-next{right:0}.accordion{width:100%;border:1px solid #ccc;border-radius:8px}.accordion-item{border-top:1px solid #ccc}.accordion-header{display:flex;justify-content:start;align-items:center;padding:15px;cursor:pointer;font-weight:bold}.accordion-header .badge{background-color:#6c757d;color:#fff;padding:5px 10px;border-radius:4px;font-size:14px}.accordion-checkbox{display:none}.accordion-content{max-height:0;overflow:hidden;transition:max-height .3s ease;padding:0 10px;background-color:#fff}.accordion-checkbox:checked ~ .accordion-content{max-height:500vh;padding:0 10px}.accordion-content .table{width:100%;margin-top:10px;margin-bottom:10px;border-collapse:collapse}.accordion-content .table td{padding:10px;border:1px solid #ddd}.accordion-item:first-of-type{border-top:0}.accordion-header::after{flex-shrink:0;margin-left:auto;content:"+";background-repeat:no-repeat;background-size:1.25rem;transition:transform .2s ease-in-out}.accordion-header h4{font-weight:normal}.accordion-content p{margin-top:0}.no-disponible{text-align:center}@media(max-width:1024px){.container{width:100%}.top{margin-bottom:0}.other-container{width:100%;margin:0;padding-left:15px;padding-right:15px}.col{flex:0 0 auto;width:50%}.menu{display:block}.aside-container{display:none}.form-search{width:100%}.form-search form{display:flex;width:100%;margin:0 15px}.entity-item .entity-title,.entity-item .entity-title a{font-size:16px;line-height:18px}.breadcrumb{margin-bottom:10px;padding-left:15px;padding-right:15px}.gallery{grid-auto-columns:calc(100% / 1.1)}.entity-gallery .gallery-row{grid-auto-columns:calc(100% / 2.3)}.section .section-header p,.section .section-header h2,.section .section-header h1{font-size:20px;line-height:22px}.roba-desktop{display:none}.roba-mobile{position:relative;top:0;margin-bottom:30px;display:flex;justify-content:start;align-items:center;flex-direction:column;width:calc(100vw - 30px);max-width:calc(100vw - 30px)}.roba-mobile ins{position:sticky;top:0}.bottom-ad-module{display:block;position:fixed;bottom:0;left:0;width:100%;margin:0;box-shadow:0 -1px 5px 0 rgba(0,0,0,.2);text-align:center;line-height:0;background:#f5f5f5;z-index:3000004;transition:transform .5s ease,opacity .5s ease}.bottom-ad-module-hidden{transform:translateY(100%);opacity:0}.bottom-ad-module .publi-box__close-btn{display:block;color:#666;background:#f5f5f5;z-index:1000001;font-size:17px;padding:5px;box-shadow:1px -2px 2px 0 rgba(0,0,0,.2);border-top-left-radius:8px;width:28px;height:28px;position:absolute;top:-28px;right:0;cursor:pointer}} .article{width:100%}.movie-header{position:relative;margin-bottom:40px;display:flex;flex-direction:row;align-items:flex-start}.movie-header .figure{position:relative;aspect-ratio:.66666667;display:flex;justify-content:center;align-items:center;background-color:#222;color:#fff;width:250px;flex:0 0 250px;overflow:hidden;margin-right:20px}.movie-header .figure .img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover}.movie-title-container{margin:0 auto;z-index:1;flex:1 1 100%;overflow:hidden}.movie-title-container .title{border-top:4px solid #001c4c;border-bottom:1px solid #ccc;font-weight:bold;font-size:36px;line-height:38px;margin:0;padding:10px 0;margin-bottom:20px;color:#001c4c;text-transform:uppercase}.movie-title-container .author-name{margin-bottom:30px}.movie-title-container .author-name a{font-weight:normal;text-transform:uppercase}.movie-title-container .categories{position:absolute;bottom:0;margin-bottom:0}.movie-title-container .categories-relative{position:relative}.movie-title-container .categories a{margin-bottom:10px;margin-right:5px}.movie-title-container .tagline{margin-bottom:20px}.movie-buttons{display:flex;align-items:center;margin-bottom:20px}.movie-buttons .btn-buy{font-size:20px;line-height:1;font-family:sans-serif;font-weight:normal;text-transform:uppercase;height:60px;justify-content:center;align-items:center;display:flex;padding:0 30px;border-radius:30px}.movie-buttons .discountPercentage{font-size:22px;line-height:22px;font-weight:bold;color:green}.movie-container{display:flex;flex-direction:row}.movie-body{margin:0;width:780px;flex:0 0 780px;overflow:hidden}.aside-container{text-align:right;width:320px;flex:0 0 320px;position:relative;margin-left:40px}.providers{width:100%}.providers .provider-container{margin-bottom:20px}.providers a{margin-right:10px;display:inline-block}.providers a:last-child{margin-right:0}.providers img{width:55px;height:55px;border-radius:5px}.providers .provider-type{display:block;background:#eaede2;padding:5px;margin-bottom:10px;font-weight:bold}.providers .provider-container:last-child{margin-bottom:0}.movie-info .row-info{display:flex;flex-direction:row;margin-top:10px;margin-bottom:10px}.movie-info .col-title{font-size:18px;line-height:24px;width:40%;flex:0 0 40%;display:flex;align-items:center;margin:0;font-weight:normal}.movie-info .col-title .icon{display:flex;margin-right:5px}.movie-info .col-title .icon svg{width:20px;height:20px}.movie-info .col-value{width:60%;flex:0 0 60%}.movie-info .col-value p{padding:0;margin:0}.movie-info .col-value .link{white-space:nowrap;text-overflow:ellipsis;display:block;overflow:hidden}.movie-share{position:fixed;bottom:10px;right:10px;z-index:1000}.movie-share .btn{font-size:25px;line-height:25px;padding:0;border-radius:50% !important;width:60px;height:60px;display:flex;justify-content:center;align-items:center;background:#064cc3}.movie-share .btn svg{width:30px;height:30px;fill:#fff}.circle-wrap{width:60px;height:60px;background:#ccc;border-radius:50%;margin:0 15px 0 0;z-index:1}.circle-wrap .circle{position:relative}.circle-wrap .circle .mask,.circle-wrap .circle .fill{width:60px;height:60px;position:absolute;border-radius:50%}.mask .fill{clip:rect(0,30px,60px,0);background-color:#000}.circle-wrap .circle .mask{clip:rect(0,60px,60px,30px)}.circle-wrap .inside-circle{font-family:sans-serif;width:49px;height:49px;border-radius:50%;background:#064cc3;color:#fff;position:absolute;z-index:100;font-weight:700;font-size:18px;line-height:18px;top:5px;left:5px;display:flex;justify-content:center;align-items:center}@media(max-width:1024px){.movie-body{width:100%;flex:0 0 100%;overflow:unset}.movie-header{flex-direction:column}.movie-header .figure{margin:0;width:100%;flex:0 0 100%;background-color:transparent;aspect-ratio:unset;padding:20px 50px}.movie-header .figure .img{position:relative;height:auto;box-shadow:0 0 10px 0 #333}.movie-title-container{width:100%;margin:0;padding-left:15px;padding-right:15px;text-align:center}.movie-title-container .title{border-top:0;font-size:26px;line-height:30px;margin:0 0 20px 0}.movie-buttons{flex-direction:column;margin-bottom:30px;border-bottom:1px solid #ccc;padding-bottom:20px}.movie-buttons .btn-buy{margin-bottom:10px}.movie-title-container .categories{position:relative}.movie-container{margin:0;padding-left:15px;padding-right:15px}.movie-info .row-info{flex-direction:column}.movie-info .col-title,.movie-info .col-value p,.movie-info .col-value a{margin:0}.movie-info .col-title{width:100%;flex:0 0 100%;font-weight:600}.movie-info .col-value{width:100%;flex:0 0 100%}}
Los instrumentos de inversión se han vuelto extremadamente complejos en los últimos años, combinándose los más modernos con los productos tradicionales para formar una amplísima gama de posibilidades. Si bien la abundancia de alternativas siempre es buena para el inversor, no es menos cierto que aporta un grado de complejidad añadida en la gestión de la cartera. Esta obra pretende hacer un análisis de estos instrumentos de inversión, centrándose en los principales dentro de cada categoría; el autor no solo se limita a explicar la ficha técnica de cada uno de ellos sino que también los relaciona con otros términos económicos como ?prima de riesgo?, ?agencia de rating?, etc. Además, se analizan las características de los activos financieros y los procedimientos de evaluación financiera de inversiones mediante la aplicación de lastécnicas de cálculo adecuadas, con el añadido de actividades de autoevaluación y ejerciciosprácticos que contribuirán al afianzamiento de los conceptos aprendidos. Estaunidad formativa, UF 0338 Análisis de productos y servicios de inversión, cierra el módulo 0499_3 Productos, servicios y activos financieros, que se encuentra dentro del Certificado Profesional Financiación de empresas, de la familia de istración y gestión, regulado por el RD 1210/2009 y modificado a su vez por el RD 645/2011. Fernando Díaz Pérez (Oviedo, 1976) es licenciado en istración y dirección de empresas. Tiene amplia experiencia en el campo de la gestión financiera y fiscal de empresa,ejerciendo su labor docente desde hace más de quince años en dichas áreas formativas.