One of the most frequent mistakes of savers is to think that investing is something that only the rich can do and that a lot of money is needed to buy shares or hire investment funds. Despite this widespread belief, it is not necessary to have a large wealth to make the leap from saver to investor. There are interesting options for all budgets.
Every citizen can invest a part of their money and thus make their money grow, something especially important at a time of high inflation like the present. Of course, you cannot invest all the money saved. It is always convenient to have an emergency mattress in order to be protected against the unforeseen. This money can be deposited in a savings account and, according to experts, it should be equivalent to at least three months of expenses.
Traditionally, the Spanish used to resort to more conservative financial products, such as pension plans and . However, these have lost interest in recent years due to regulatory changes and low profitability. “What options does the common saver have to protect their savings in the long term? I see few alternatives. If you take away the investment and the brick, they don’t have any other option,” says Natalia de Santiago, financial disseminator and author of the book Invest with little, in a .
One recommendation from the experts is to diversify your investments, which is popularly known as “don’t put all your eggs in one basket.” This serves to reduce the risks to which the investor is exposed. If the investor has only bought shares of a single company, his portfolio will be linked to the evolution of the price of this company.
A first step when it comes to diversifying is to invest through , since they are financial products managed by professionals who normally invest in different companies, sectors or geographical areas. In addition, the money invested in a fund can be transferred to another without the saver having to render accounts with the Treasury at that time. “An advantage of investing through investment funds is removing the fear of making mistakes, since they can be transferred. It is a very easy process. There is nothing easier than transferring a fund,” says De Santiago.
Mutual funds allow the user to buy a proportional part of all investments in the portfolio of that product. The Finect investor platform has a . There, users can find investment funds that allow access to the largest companies in the world, diversifying their investment as much as possible. As you do not have a large heritage, you must review the minimum amount required for the contracting of each product.
If you want to diversify and you don’t have a lot of money, another solution may be to hire a financial product that already has implicit diversification. This is the case of the , which are dedicated to replicating a certain stock market index. For example, an Ibex 35 index fund will try to have a portfolio of assets similar to the composition of the Spanish stock market benchmark. The biggest advantage of index funds is that the commissions are lower than those existing in other types of products by requiring less activity from the manager.
When it comes to , Natalia de Santiago always recommends spending some time comparing different products before choosing. “If you spend hours going to web pages and reading the comments to choose a rural house for a weekend, why do you go to the first bank on the corner below your house and take the first thing they offer you? ?”, defends the disseminator.
There is extensive information about investment funds on the Internet, where you can find user opinions, expert ratings or rankings that allow the user to get an idea about a certain product. In the event that the user has doubts, they can resort to a company that will help them plan their investments based on their personal situation and their vital objectives.
Facebook Comments
Disqus