As is normal, the great objective of small and medium investors is to generate the maximum possible capital gains in their operations on the stock market. It is the success in your investments. But you should also not neglect that a strategy based on cost containment can help them improve their results every year. From this general scenario, it is more than advisable to develop a series of priorities that tend to reduce the disbursements involved in any operation in the financial markets. Do you want to know what could be the most relevant actions to reach this goal?
It is always more profitable perform a big operation than several of small amount. The reason is because they generate considerable savings in commissions. Not in vain, movements of little amount are penalized with respect to medium and large investments. Then it is preferable that investors are more selective when buying shares. To the point that they will have a reward for this action so simple to carry it out.
The difference in the profitability of a national stock market with respect to international ones is practically minimal as a consequence of the globalization of equity markets. It is not because of patriotism, but it will cost nothing to opt for the values of the Spain brand to make effective savings profitable. Your commissions are up to double cheaper than outside our borders. Reason more than enough to select this curious investment strategy. They will even have the highest dividends in the market, with a profitability of more than 5%.
Hire a flat rate
The most restless investors in the market, that is, those who carry out more operations per month, will be spending a very important amount in commissions and other expenses in their management. It is an outlay that can be perfectly avoided by subscribing a flat fee to operate on the stock market. For an amount close to 30 euros per month As many operations as small and medium investors wish, they can be carried out without any kind of restrictions or limitations. After one year and after analyzing the effects of this fee, it will be concluded that there have been many euros saved. More than imagined from the beginning.
Be guided by the trend
One of the keys to being successful in operations in the stock market it is based on following the most favorable trend. That is, start the movements in Uptrend for later, and when the first signs of weakness appear, undo positions quickly. If this simple strategy is applied in investing, the chances that our income statement will increase will have increased significantly. It is also very easy to follow since it will only be necessary to replicate the movements of the financial markets. Until you achieve the objectives that you have set at the beginning of the operations.
Not investing the money you need
Medium and short-term operations are always riskier for any need for liquidity in your personal accounts. For this reason, before investing you must analyze what your financial situation is. Because if you are going to need the money in a few years, your risks increase progressively and you expose yourself to having no choice but to sell, partially or totally, the shares at a bad price, with a significant depreciation in their valuation. In this sense, if these are the deadlines in the election, the investment must be made under a not very demanding maximum amount. Where you can respond to the expenses that the next few months will bring you.
Focus on the long term
Although it is not to your liking in this class of investments, the possibilities of losing money decrease notably. If you want to obtain acceptable results in your investments, you should go to these long terms. On the other hand, if you have open positions in securities that distribute dividends, you should not forget that you will have a fixed and guaranteed payment the years, whatever happens in the financial markets. With a profitability that moves in a range that goes from 3% and up to 7%. That is, it is as if you had contracted a fixed income product within the variable. Regardless of the evolution of the prices.
Avoid trading operations
And finally, you should not be very receptive to this kind of stock trading as they are very prone to losing money. Different studies show that more than 80% of investors who try reduce their capital in equity markets. In addition, you must provide a much higher level of learning than in the usual operations in the purchase and sale of shares on the stock market.
Credits from ATMs
In any case, and before situations in which you may be losing more money than you can assume, you may be tempted to demand a line of credit to satisfy your liquidity needs. One of the least demanding models are those derived from credits from ATMs. Especially for its simplicity to obtain them and because they apply an interest rate that is lower than in the other formats. They will serve you for face a bad situation in the stock market, as long as the money invested is not very high since then this operation will not benefit you in the least. Not in vain, you will pay many euros in interest.
Quick financing has one of its greatest exponents in credits through ATMs and that can lead to users being in a position to get out of some trouble in their day-to-day life. In any case, it is a very special line of credit that is not known to a large number of customers. Due to its special characteristics, it is not considered as a conventional financing since to begin with it is a loan that is already granted and therefore does not need your approval. In this sense, it is the closest thing to a pre-granted credit.
If this special source of financing is distinguished for something, it is because it is possible to access a liquidity tip in a more agile and quick way. Without the need to contribute no kind of documentation or carry out heavy administrative procedures. The contribution of a payroll or regular income is not even required. Not in vain, in a few hours the plaintiff will have his money that he can withdraw from the ATMs of his bank. It is a first advantage over other modalities to claim a loan, although not the only one as can be seen.
Small amounts credit
They grant very small amounts that in no case exceed the limit of 10.000 euros and that can be used for any need by the applicants. From paying a debt to third parties to the purchase of any consumer item. On the other hand, its contracting conditions are somewhat more benevolent than through the other lines of financing. With a difference that can reach up to one percentage point in the application of the interest rate by banks. Also, they rarely exceed five years to meet their repayment deadline.
In any case, your comfort is the main incentive to formalize this very special loan. Not surprisingly, it can be channeled at any time of day and without the need to go through the bank branch to meet this demand. Since the only requirement for its concession is to become a customer and have a credit card with the issuing entity of this product. From that precise moment, it will only be necessary to collect the money from any automatic device at the moment it is really needed.
Automatically renews
Although the offers generated from the banks offer between 5.000 and 10.000 euros for the needs of their clients, it is not necessary to exhaust these amounts. But on the contrary, you can have minimum quantities and with the same conditions in its formalization as for the most demanding amounts. This is one of the reasons why they are indicated for all kinds of profiles in clients, since they also do not require a link with other banking products.
Another of his most relevant contributions is that his hiring does not carry commissions or other expenses in its management and maintenance. As a consequence of this particularity, expenses can be contained at the end of their amortization. Where there is also the possibility of renewing the credit line automatically and whenever it is needed. As long as there are no outstanding debts with the entity in charge of marketing this innovative banking product. Because it cannot be forgotten that it is granted to the most solvent clients who have been operating with the financial institution for years and years and that it can be compatible with other types of credits issued from the same issuer. Among other reasons because it is a small amount of credit line, with softer requirements.