The time has come to contain investment expenses and this fact can come from different sections that we are going to show so that investors can moderate them in a highly complex scenario for all users. Not only with regard to the development of their own operations in the equity markets. But also in the habits of the investors themselves who will have to vary them to optimize your movements from now on. In this way, in the end the result in your savings account is more satisfactory at the end of each year.
In a context in which many people carry out this kind of operations as a source or complement of their income due to the lack of income as a result of their work or personal income. Where, the great offer of investment products favors the development of increasingly competitive proposals with areas of action in all financial markets that can be reached through some fairly affordable economic costs for all households, and that can serve as a starting point to implement savings strategies for all investments.
In this way, it is not very difficult that at the end of each year we can save significant amounts that we can allocate to other personal or family needs. At a time when cost containment should be one of the most relevant common denominators in our actions from now on. And that at the end of the day is one of our objectives, at least until the current economic crisis that has begun after the expansion of the coronavirus ends. Because in effect, this goal so desired by small and medium-sized investors can also be achieved through investment, especially at the present time.
Investment expenses: commissions
Of course, the departure of commissions on any kind of financial products linked to investment is one of the most notable sources of this very special strategy. On the other hand, it will be necessary to go to each one of them to show which are the decisions that will have to be taken from now on. In this case, when it comes to buying and selling shares on the stock market, we will have no choice but to go to the national equity markets, which are the ones that show much more competitive rates. With a reduction in charges that oscillates between 20% and 30% on the total of the operation carried out. From where the containment of expenses is very easy to carry out with greater guarantees of success.
While on the other hand, it must be borne in mind that there is great flexibility regarding the commission rates for buying and selling operations on the stock market. Through an offer that is highly diversified in terms of the agents who prepare these proposals in the management of the savings of their holders. Under some discounts that go from 3% and 10% based on the proposals of the entities in charge of giving birth to these commissions. As for the fact, you can choose between commissions for national markets as located outside our borders. With divergences that can reach levels of up to 20% and that therefore can be another of our sources of savings for stock market users.
Fewer operations and more powerful
Another strategy that small and medium investors can use is to group operations into a few fewer. In other words, it is always preferable to choose to carry out a few stock purchase operations of greater monetary value than a few and of very little intensity. In fact, you will be able to check from that moment how the expense of the accounting movements is greatly reduced. To the point that you will have more money in your savings account than you initially imagine from the beginning. Not surprisingly, this is at the end of the day one of the objectives that a large part of investors set themselves when facing this kind of operations in the equity markets.
On the other hand, it should also be noted that in this sense it is always very useful to be more selective when taking positions in the financial markets. It is not a question of investing to invest, but on the contrary it is the opportunity to look for business opportunities that are profitable. It is the way to optimize this kind of investment since in recent years we have not applied them and therefore it has been one of the sources of our mistakes and that has led us to have lost many and many euros along the way. It is time to learn from the past and this is the best time for a powerful change in investment strategy.
Opt for the cheapest products
Of course, not all financial products based on equity markets have the same rate and commissions. Not much less. If not, on the contrary, you can find different divergences between one and the other and that can reach up to 30%. From this point of view, one of the most profitable products is the exchange-traded funds or ETFs that show much more competitive levels for the interests of the holders. This is a product that combines conventional mutual funds and the buying and selling of shares. So that in this way, they can contain the expenses in their operations. With the additional advantage that exchange-traded funds can be subscribed, both in financial assets based on equities and fixed income.
Investment funds can also be more profitable if we know how to choose the model that best suits our personal needs. In this sense, it is those based on national markets that offer the best deals at the moment. Especially if they come from fixed income or from monetary approaches to make savings profitable through these investment funds. So that you are in the best of conditions to contain expenses in each of your operations in the financial markets. Not in vain, the differences between one or the other may be the key that in the end you can culminate with the arrival of this strategy in the investment of individuals. With the real possibility that you don't have to limit yourself to any specific financial asset. If not, on the contrary, you can go to financial assets that maintain a clearly upward trend during the expansion of the markets.
Save on commissions
Especially investors who carry out many operations a year, both aimed at the short, medium or long term, can avail themselves of the flat stock market rates that are beginning to be marketed by more and more financial institutions and, which allow significant savings in terms of commissions for operations performed. Its rate is between 10 and 20 euros per month, and for a person who carries out a total of four operations per month, for example, the savings will be it can mean about 30 euros a month on average, which also helps to optimize the investment.
La flat rate In the stock market, it allows the user to carry out as many buying and selling operations as they want, as is the case with telephone or Internet rates. Although its application is not very widespread in the financial sector, it mainly encompasses banks and financial intermediaries, savings banks that operate through the Internet and financial intermediaries. brokers, both national and international, which are the ones that provide the best conditions. To the point that the expense can be contained at around 2% of the total concept of these operations. In a very easy way to carry out for any kind of profile in the small or medium investor.
In favor of the markets
In any case, the best way to save with our investments continues to be prudence and not to do so irrationally and against the logic of the markets. To do this, before investing our money, you must observe the behavior of the markets financial statements, check when they rise and verify when they fall, as well as the type of news that affects its evolution so that it can provide us - even in a very light way - what is going to happen in the next sessions.
It is precisely then, and once all this information has been assimilated, when we have an approximate idea of the trend that all of our investments may take. You will be in a position to take positions in any of the investment products analyzed. And, surely this work of gathering information will notably help users to make their savings more significant and pronounced through better purchases and sales, with which the benefits will be higher.