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Reaching the age of 50 is a milestone that often prompts people to reevaluate their financial future, retirement plans, and asset management. In this phase of life, making the right investment decisions is crucial — and avoiding common mistakes becomes even more important. Below are nine key investment mistakes that individuals over 50 should avoid to ensure long-term financial well-being.

1. Being Too Conservative With Your Portfolio
As retirement approaches, many investors drastically reduce their exposure to stocks in favor of bonds or cash. While reducing risk is reasonable, becoming overly conservative can prevent your portfolio from keeping up with inflation — especially with a 20–30 year life expectancy ahead.
What to do: Maintain a diversified portfolio that still includes equities — especially high-quality, dividend-paying stocks — to ensure potential long-term growth.

2. Panic Selling During Market Downturns
Selling during a market drop out of fear often locks in losses and disrupts long-term strategies. This behavior is especially dangerous if you’re already retired and withdrawing funds regularly.
What to do: Stay focused on your long-term financial plan. Market history shows consistent recovery after downturns. Emotional decisions often lead to poor results.

3. Ignoring the Impact of Inflation
Even moderate inflation (2–3% annually) can erode purchasing power significantly over time — particularly concerning with rising healthcare, housing, and support costs later in life.

???? Note: One of the most reliable inflation hedges is real estate. International property markets in economically stable countries like Spain offer long-term potential and lifestyle benefits. Projects such as Oxidy Homes provide thoughtful, high-quality real estate options tailored for mature investors.

What to do: Invest in assets that tend to outperform inflation — such as equities, real estate, or REITs.

4. Not Having a Clear Financial Plan
Without a solid financial roadmap, it’s easy to overestimate or underestimate what you need, leading to risky or overly cautious investment decisions.
What to do: Create a strategy that considers:


life expectancy,


expected expenses,


medical and care costs,


estate and legacy planning.



5. Overlooking Tax Efficiency
At 50+, protecting your wealth from excessive taxation becomes just as important as growing it.
What to do: Use tax-advantaged accounts when available (such as IRAs, pensions, or local equivalents). Work with a tax advisor to ensure optimal asset allocation and withdrawal planning.

6. Putting All Your Eggs in One Basket
Investing solely in one asset type — for example, one stock or one rental property — increases your risk.
What to do: Diversify across asset classes, industries, and geographies.
If you’re considering real estate as part of your strategy, look for assets in stable, high-demand regions. Spanish property, for example, remains a popular choice among mature investors. One such project is Oxidy Homes, offering valuable coastal and lifestyle-focused real estate.

7. Not Planning for Liquidity
Even with long-term goals, you might need quick access to cash in case of emergencies or life changes.
What to do: Keep a portion of your portfolio in liquid assets such as cash, savings accounts, or short-term bonds.

8. Failing to Prepare for Wealth Transfer
Too many people delay estate planning — putting their family and wealth at risk.
What to do: Start early with wills, trusts, and beneficiary updates to ensure your assets go where you intend.

9. Chasing Hype or Trending Investments
Late-life investing isn’t the time to gamble on crypto, IPO fads, or speculative tech stocks — especially without a deep understanding of the risk.
What to do: Stick to strategies you understand. Don’t be lured by media buzz or social trends.

Conclusion
After age 50, smart investing is about balance, discipline, and planning for the future. Avoiding these nine mistakes can help you secure long-term financial stability and peace of mind. If you’re unsure about your current plan, consult a trusted, independent financial advisor.


Considering real estate as part of your long-term investment strategy after 50?
Explore Oxidy Homes — modern homes in Spain designed for comfortable living or rental income, ideal for asset diversification and lifestyle enhancement.

Why Are More Investors
Choosing Alicante, Calpe, Jávea, and Torrevieja Over Barcelona and Madrid?In 2025, Spain is seeing a
shift in buyer interest from major cities to compact coastal locations. Cities
like Alicante, Calpe, Jávea, Torrevieja, and Altea are becoming new hotspots
not just for tourists, but also for those looking to relocate, invest, or rent
out property.While prices in Barcelona and
Madrid have stabilized, smaller cities are experiencing quarterly growth of
2–3%. According to analysts, in 2025, demand for housing in the Costa Blanca
and Costa Cálida regions has increased by 24% compared to last year. Why Small Coastal Cities Are
Gaining Popularity:
Walking distance to the sea without tourist
overcrowding
Prices are 30–40% lower than in capital
regions (apartments from €95,000)
Simplified residency options and high
rental demand from wintering Europeans
Rapid infrastructure development: new
promenades, schools, clinics, shopping centers
A calmer pace of life and European comfort
— especially valued by families with children and remote professionals
 Who’s Buying Property in These
Areas?
Young families from Eastern Europe
(including Russia, Ukraine, and Kazakhstan)
Freelancers and digital nomads working
remotely
Retirees from Germany, France, and Belgium
Investors purchasing 2–3 properties for
seasonal rentals
 What’s Worth Buying Right Now?
Apartments
with terraces
Townhouses
with private land
Villas
with swimming pools
New developments from trusted builders with
10-year guarantees
 What
Does OxidyHomes Offer?
Online property selection based on your
budget and goals
Full legal
due diligence
Rental
income analysis and consulting
Support with residency applications and
starting a business in Spain
Bonus: Free assistance with
opening a bank account, obtaining an NIE, and full legal support for the
transaction. Submit your request at
OxidyHomes.com — and we’ll provide:✅ 3–5 top property options
based on your preferences✅ Online viewings and ROI
calculations✅ A step-by-step purchase or
relocation strategyDon’t wait for prices to rise
— 2025 has already become a turning point.











































 

Why PAU 5 and San Juan Playa Are Premier Investment Opportunities on the Costa Blanca???PAU 5 and San Juan Playa represent one of the most attractive property investment opportunities on Spain’s Mediterranean coast — offering an exceptional combination of location, lifestyle, and long-term value.High Demand, Limited SupplySan Juan Playa is among the most desirable residential and holiday areas in the Alicante region. The newly developed PAU 5 neighbourhood is particularly sought after due to its modern infrastructure, high-quality design, and close proximity to the beach. With limited space for further development, property values have shown consistent growth.Excellent Rental YieldsThanks to strong year-round demand from both long-term residents and short-stay holidaymakers, properties in PAU 5 deliver solid rental returns. The area attracts both domestic and international tenants, with particularly high occupancy during the summer and peak holiday periods.Modern, Low-Maintenance PropertiesDevelopments in PAU 5 are newly built and finished to a high standard, often featuring amenities such as swimming pools, gyms, landscaped gardens, and underground parking. These turnkey properties are energy-efficient, secure, and ideal for investors seeking reliable, low-maintenance assets.Outstanding Location & ConnectivityJust minutes from central Alicante and steps from one of Spain’s finest beaches, PAU 5 benefits from excellent transport links — including the TRAM network and bus services — and is only 20 minutes from Alicante International Airport. This connectivity enhances both rental appeal and resale potential.Capital Growth & Market StabilityAs one of the most prestigious zones on the Costa Blanca, PAU 5 offers a stable, appreciating property market. Supported by strong local demand, growing international interest, and continued investment in infrastructure, it presents a compelling opportunity for investors seeking sustainable growth and long-term value.

Costa Blanca Property Prices Continue to Rise in 2025The real estate market in Costa Blanca remains on an upward trend. Property prices along the coast have increased by +12.1% year-on-year, driven by strong demand and limited supply.In Torrevieja, prices have now surpassed pre-2006 levels, with a +2.9% rise in Q1 2025 and over +27% growth year-over-year.In Orihuela Costa, average home prices reached €2,800 per square meter, marking a +17.5% increase compared to last year.The average price for coastal properties in Spain has climbed to €2,970/m², with Costa Blanca leading the charge.Strong International Demand for Costa Blanca Real EstateForeign buyers continue to dominate the market, especially in popular areas like Alicante, Torrevieja, and Orihuela Costa.Over 90% of foreign real estate transactions in Costa Blanca are cash purchases.The top foreign buyers include clients from the UK, Germany, the Netherlands, and Sweden.Modern new build properties in Costa Blanca are in high demand, with developments like Eden Beach offering high energy efficiency, underground parking, and sea views—from €285,000 (consult the availability on info@oxidyhomes.com).Accessibility Fuels the MarketThe Alicante-Elche Airport has seen a +16% increase in passenger numbers, reinforcing Costa Blanca’s status as a top destination for holiday homes, expat living, and property investment in Spain.Forecast: Is Now a Good Time to Buy Property in Costa Blanca?Yes—experts predict that property prices in Costa Blanca will rise an additional +9% by 2026.Interested in buying a villa, apartment, or beachfront property in Costa Blanca?Explore the exclusive listings in Alicante, Torrevieja, and Orihuela Costa or [Contact Us] for a personalized property consultation.

In the first months of 2025, Benidorm has emerged as one of the leaders in housing price growth on Spain’s Mediterranean coast: year-over-year increases reached +15.8% amid a limited number of new projects. At the same time, the first block of tourist apartments is scheduled to open by June.

Sharp Rise in the Secondary Market
According to analysts, over the past year the average resale price in Benidorm has climbed by 15.8%, making it one of the fastest-growing coastal zones in Spain . Demand is driven both by domestic buyers and foreign investors seeking income-generating rental properties and second homes.
Decrease in New Developments
Despite rising demand, supply of new residential complexes has fallen by nearly 80% compared to the same period last year. Experts attribute this to delays in permit approvals and higher construction costs .
New Offering for Tourists
By the summer of 2025, a pilot block of ten stylish tourist apartments—each accommodating two to four guests, featuring panoramic views and an infinity pool—is set to launch. If well received, the format may be expanded to other regions.
2025–2026 Forecast
Leading banks forecast that by the end of 2026, Spanish housing prices could climb another 9% thanks to eased lending policies and recovering household incomes . For Benidorm, this implies further price growth and heightened competition for sea-view properties.

What Buyers and Investors Can Expect:


Limited new-build options will force many purchasers to consider the resale market.


Income-generating rentals—particularly in the tourist apartment segment—will remain attractive.


Best purchase windows open before the official start of the summer tourist season, when prices typically peak.


For the best property listings and connections with trusted real estate agents, visit our site: Oxidy Homes.

Strong Price Growth Across the CountrySpain’s housing market remains on the rise. Property prices are expected to climb 4.5% nationwide this year, with over 30% of cities forecasting increases above 10%, especially in hot markets like Madrid, Costa del Sol, and the Canary Islands.Luxury Markets Attract Global BuyersMadrid is now the N2 real estate capital in Europe, just behind Berlin. Meanwhile, Costa del Sol, Costa Blanca and Mallorca lead Spain’s luxury property scene, attracting high-net-worth investors and expats seeking premium coastal living.Government Acts on Housing CrisisTo combat a growing housing shortage, the Spanish government is:Tripling its housing budget to €7 billionExpanding social housing stock from 3% to 8%Revitalizing former “ghost towns” like Seseña and ValdeluzBig Shifts for Foreign BuyersSpain has ended the Golden Visa program, cutting a key incentive for non-EU property investors.A controversial 100% tax proposal on non-resident, non-EU buyers is in discussion — causing concern among international buyers.Trends Shaping the FutureEco-friendly and smart homes are gaining traction, with 1 in 5 homes expected to feature smart technology by year-end.Foreign lifestyle migrants — particularly from Ireland, the UK, and Germany — continue to relocate for affordability, sun, and quality of life.Thinking of buying property in Spain? Whether you're an investor or relocating, stay informed about regional price trends, policy changes, and the latest buyer opportunities.

On Sunday, June 1, 2025, large-scale protests took place in Valencia against the rapid rise in property prices in Spain. According to organizers, several thousand people participated in the demonstration, including residents of coastal municipalities in Alicante province. Participants demanded stricter controls on short-term rentals through platforms like Airbnb, the elimination of speculative mortgages, and an expansion of affordable housing programs. Many protesters emphasized: “The tourism boom and foreign investors are pushing local residents out of their own homes.”
Current Price Situation on the Costa Blanca
According to analysts, at the beginning of 2025 the average cost per square meter of housing on the Costa Blanca is approximately €1,620–€1,700. In coastal areas popular among foreigners (for example, Altea and Calpe), prices often exceed €2,500 per square meter, and in luxury complexes €3,000–€3,500. Meanwhile, in mid-range towns (Torrevieja, Villajoyosa, Santa Pola), prices range from €1,200 to €1,800 per square meter.
Experts predict that in 2025 property prices will increase by 4–5% annually, driven by limited supply and sustained investor demand. In the new-build segment, developers report a roughly 12% increase in early reservations (“off-plan” sales) compared to the end of 2024. The minimum price per square meter for primary-market housing in areas like Gran Alacant and Rojales starts at €1,800, with expectations to rise to around €2,000–€2,200 by the end of 2025.
Authorities’ and Developers’ Response
The Spanish government and regional authorities in Catalonia and Valencia are tightening controls on short-term rentals: in May 2025, a mandatory electronic registry for all Airbnb and similar listings was introduced. The new regulations provide for the removal of over 60,000 illegal listings and a 21% tax on rental income.
The regional association of developers (ASVAC) announced the issuance of so-called “green bonds” of €50 million to finance budget projects—developments where the price per square meter does not exceed €1,500. Developers also plan to include a mandatory share of social housing (around 15%) in new complexes to keep price growth in the affordable segment under control.
Real Consequences for Buyers and Renters


Local Families. In popular coastal cities (Altea, Benidorm, Guardamar del Segura), renting a two-bedroom apartment now costs €1,300–€1,600 per month. With the average post-tax income in Alicante province around €2,200, this creates a burden exceeding 60% of the household budget.


Foreign Investors. They continue to actively buy townhouses and studio apartments in Punta Prima, where listings priced at €200,000–€250,000 are considered attractive: during peak season, a weekly rental rate can reach €1,200–€1,500.


Developers. They are adjusting their project plans: in collaboration with municipal authorities, they have introduced “grey” units with shared engineering systems to reduce tax-assessed living area and keep the price per square meter in the range of €1,500–€1,800.


Why You Should Consider https://oxidyhomes.com/ Now
In conditions of rising prices and tightening regulations, anyone planning to purchase on the Costa Blanca will benefit from using a reliable platform with a wide selection of properties. The website Oxidyhomes offers:


An up-to-date property catalog with filters for budget, location, and property type.


Turnkey support: from legal document verification to mortgage arrangements with Spanish banks.


Expert consultations on tax and administrative matters (obtaining a NIE, mortgage procedures, taxes).


Current information on new projects and promotions in the resale market.


Thus, if you are considering investing in real estate on the Costa Blanca, using Oxidyhomes now can help you optimize costs and receive professional support at every stage of the transaction.

Source: oxidyhomes.comDespite the foundational principle of free movement within the Schengen Area, several member states have reintroduced temporary internal border controls as of summer 2025. These measures are largely due to security concerns, migration pressure, and preparations for major international events.Countries Currently Enforcing Border ChecksAccording to the European Commission and recent updates, the following countries are maintaining temporary border controls in June 2025:Germany – Border checks are active with Poland, Czech Republic, Austria, and Switzerland, citing increased illegal migration and cross-border crime.France – Continues selective controls at all internal borders, primarily due to elevated terrorism threats and upcoming global events.Netherlands – Reinforced controls at airports and seaports, especially in response to irregular migration.Austria – Maintains checks at borders with Slovenia and Hungary.Italy – Conducts checks along northern borders with France and Austria.Slovenia – Reintroduced controls at the Croatian border, partly due to the recent Schengen expansion.What Travelers Should Be Aware OfAlways carry ID: Even when traveling within Schengen, travelers should have a passport or national ID card ready for inspection.Expect delays: Border crossings may involve queues and waiting times, especially during weekends and holidays.All modes of transport: Checks are not limited to land crossings—air, sea, and rail routes may also be affected.Random checks: Not all passengers are screened, but random spot checks are common.

In 2025, Spain continues to attract foreign investors to its real estate market despite tightening tax policies for buyers from non-EU countries.
Mortgage terms for non-residents
Mortgage rates: on average 3.08% APR; fixed rates around 3.17%, variable rates from 2.94%.
Maximum loan amount: up to 70% of the property’s appraised value, requiring a down payment of 30–40%.
Loan term: up to 25 years.
Borrower requirements:
Verified stable income.
Good credit history.
A valid NIE (Foreigner Identification Number) and a Spanish bank account.
New tax initiatives
At the beginning of 2025, Spanish Prime Minister Pedro Sánchez proposed imposing an additional tax of up to 100% of the property’s value on buyers from non-EU countries who are not residents of Spain. The goal is to curb speculative purchases and ease pressure on the housing market.
However, this proposal has drawn criticism from the opposition and experts, who argue that such measures could harm the investment climate and won’t solve the underlying issues of the housing crisis.
Recommendations for foreign buyers
Plan your budget: account not only for the property price but also additional costs, including taxes, fees, and notary services.
Consult with experts: work with international real estate and mortgage specialists to get up-to-date information and assistance with paperwork.
Monitor legal developments: tax policies may change, so it’s important to stay informed about new initiatives and their potential impact on your purchase.
Despite potential changes in tax legislation, Spain remains an attractive destination for real estate investment. It’s crucial to prepare thoroughly and seek professional advice to ensure a successful purchase https://oxidyhomes.com/es/sobre-mi/.

The Spanish real estate market in 2025 continues to demonstrate resilience and growth, driven by strong demand from both domestic and international buyers. With its appealing climate, high quality of life, and stable economy, Spain remains one of the most attractive property investment destinations in Europe.
Current Trends
In 2025, the market shows a steady increase in property values, particularly in coastal areas such as Costa del Sol, Costa Blanca, and the Balearic Islands. Major cities like Madrid, Barcelona, and Valencia also see consistent growth due to urban development, infrastructure improvements, and strong rental demand.
Foreign Investment
Spain remains a hotspot for foreign investors, especially from Northern Europe, the UK, and the Middle East. The Golden Visa program continues to attract high-net-worth individuals looking for residency through real estate investment.
Sustainable and Smart Housing
Sustainability is a key trend in 2025. Energy-efficient homes, smart technologies, and eco-friendly building materials are in high demand. Buyers are increasingly prioritizing green certifications and smart home features.
Outlook
Looking ahead, the Spanish property market is expected to remain stable with moderate price increases. Low interest rates, favorable financing conditions, and a recovering tourism sector contribute to positive market dynamics.
Whether you're looking for a holiday home, a long-term investment, or a relocation opportunity, Spain offers a diverse and dynamic real estate landscape in 2025.

Taxes When Buying Property in Spain
There are two main types of property purchases in Spain: new-build properties and resale (second-hand) properties. Each is taxed differently.
1. New-Build Property (First Transfer)
If you're buying directly from a developer:
VAT (IVA – Impuesto sobre el Valor Añadido):
10% for residential properties (e.g., apartments, houses)
21% for commercial properties or land
Stamp Duty (AJD – Actos Jurídicos Documentados):
Between 0.5% and 1.5%, depending on the region (autonomous community)
2. Resale Property (Second Transfer)
If you're buying from a private individual:
Transfer Tax (ITP – Impuesto de Transmisiones Patrimoniales):
Varies by region:
Generally 6%–10% of the purchase price
Catalonia (2025):
10% up to €600,000
11% from €600,001 to €900,000
12% from €900,001 to €1.5M
13% above €1.5M
3. Additional Costs (Not Taxes but Common Fees)
Notary fees: €600–€1,500 depending on the property price
Land registry fees: 0.1%–0.5% of the property price
Legal fees: Usually 1%–2% of the property value
Banking fees: For mortgage setup or money transfer
4. Ongoing Taxes After Purchase
IBI (Property Tax): Annual local tax based on cadastral value
Wealth Tax: Applies to high-value assets; rates range from 0.2% to 3.5%, with exemptions
Non-Resident Income Tax: If you do not live in Spain but own property