One of the keys to developing a balanced investment fund portfolio should be based on diversification in financial assets. Not surprisingly, one of the big mistakes made by small and medium investors is based on subscribing funds with very similar characteristics to each other. Where you will be damaging your positions by having a very similar composition. It is true that through this management model you will be able to increase the benefits generated from these operations. But with the serious risk of delving deeper into losses. It is something that you should contemplate from now on.
One of the doubts that arise when hiring these financial products is to know which are the models that you must subscribe to make the savings profitable in an effective way. It is certainly not an easy decision to make. To help you make this decision, we are going to propose a series of investment funds that can be very suitable for managing your personal assets. Through funds that are characterized by the fact that they can be complement each other
Where the most traditional financial assets cannot be missing, although accompanied by the occasional aggressive proposal. So that in this way, you can improve the intermediation margins of these financial products. Certainly some of the suggestions may surprise you in the strategy that you are going to develop from these precise moments. So that you can have additional money every year and that they can complement the income linked to your work.
Monetary funds: to protect
In any investment portfolio worth its salt, monetary funds cannot be absent. Under a proportion that will depend on the profile you present as a small and medium investor: conservative, moderate or aggressive. Its main objective is that these contributions can protect you against the most unfavorable scenarios of financial markets. They will serve as a refuge value against the irruption of these scenarios. It is true that they will not generate great benefits, but in return you will keep the savings without great problems in the process of its evolution.
On the other hand, you cannot forget that these financial products will not generate large expenses with respect to the commissions that apply from the management companies. In this sense, its effect is very similar to that offered by term deposits. But with the advantage that through the permanence funds you will not have any term of permanence. Because you can undo the positions at any time and without any kind of penalties. With returns that in the best of cases can reach 0,3%.
Spanish equities
Equities must also be present in the investment portfolio that you are going to develop from now on. And one of the markets with the greatest potential for revaluation after the recent falls as a result of the events in Catalonia. Where there are some values that include very competitive prices. To achieve these objectives, nothing better than to focus on a portfolio of securities offered by investment funds. It is one of the most effective ways to diversify the savings you have in your checking account.
An investment fund based on Spanish equities can provide you more aggressiveness to improve profit margins. Above other financial assets with greater stability in their prices. In addition, you contemplate a significant offer from banks and managers. In which all kinds of proposals in equities are incorporated. Of course, you will not have excessive problems to subscribe any of these products intended for investment. Whatever profile you present at the moment.
Contribution of the North American stock market
Another of the bets that you can include in your investment portfolio is through US equities. Although in any case, it will be under a minimum percentage regarding your financial contributions. In particular, because it is a financial asset that carries more risks than in other investment funds. This will be a strategy to enhance your positions from any kind of approach. So that in this way, the return can be higher compared to the other funds in your portfolio.
A fund of these characteristics gives you greater possibilities that you can increase the balance of your checking account. Although it is not a proposal intended for the long term. But on the contrary, its application will be more effective for the shorter maturities. Therefore, they will be more limited in terms of their duration. Among other reasons for the greater volatility presented by this financial asset that is represented by the American stock market. In any case, it will never hurt to include any of these investment funds in your next more or less stable savings portfolio.
A bit of an alternative component
If your investment model is more aggressive, an alternative management should not be lacking either. To meet this special demand that may arise at some time or other. From funds based on volatility to those that include assets from commodities or even precious metals. On the other hand, the risks are more latent and for this reason you should be much more prudent when contributing your financial resources. Not in vain, the percentage of your money should be minimal. So that you cannot have more than one surprises from the moment you are hired.
Alternative funds, on the other hand, can be very favorable for the most adverse scenarios for equity markets. Giving, therefore, an important boost to your investment portfolio. Even if without the stability of other investment models more conventional. Not in vain, you can earn a lot of money, but also leave a lot of euros on the way. With very serious fluctuations in their prices between their maximum and minimum prices. To the point that they can mislead you at some point or other. But always with great prudence in the movements you take under these approaches.
Some oil is never left over
Investment funds based on black gold can be very relevant to increase your profits from now on. However, you must choose the most appropriate time to make the increases in this important financial asset profitable. Anyway, and this is its main drawback, you don't have so many models to choose from. Because the proposals by the managers are more limited. And one very important thing, it is really recommended that you know what the entry and exit levels are in these funds. They should be much tighter operations in all respects.
To opt for this investment proposal, you must take advantage of the spikes in this fuel. At the moment, oil prices are located in a band very close to 60 dollars a barrel. If it exceeds this resistance it could even go towards higher levels than the current ones. If this were the scenario, you could take positions in these funds in a more aggressive way. Because the yields can be extended during a more or less stable period of time. In any case, it will be a more punctual bet than others and that requires a greater knowledge of the financial markets.
Flexible investment funds
Lastly, we leave active management investment funds due to their importance. Among other reasons because you will be in better conditions of adapt to all economic scenarios. Both in expansive periods, as in those generated from an economic recession. Affecting all kinds of financial assets, from fixed income markets to variable ones, going through any alternative management model. Not surprisingly, one of its advantages is that it is a transversal fund. They are valid for all kinds of investments and even profiles of savers.
This class of funds is adapted to each moment, depending on the state of the financial markets. You will not be able to renounce them in any of the cases. Even from more aggressive contributions than usual. For this reason, it is not very strange that they are recommended by a good part of financial analysts. Alluding to the fact that they should not be missing in any investment portfolio worth its salt. Because in addition, you have a wide offer of these financial products to satisfy this special demand. And from different approaches in managing your savings. The profile does not matter, not even the money you have at that time.
As you may have seen, the alternatives available to you to form a balanced investment portfolio are very broad. And in any case, more than you initially imagine. Because the management companies are approaching this very particular management model. Where the key lies, without a doubt, in your power of diversification. Because it will help you, not only to improve the performance of your savings. But also to protect them in the most dangerous scenarios for the financial markets. With a greater guarantee compared to other savings products. Not surprisingly, it can be an incentive to continue investing for years to come.