There is no doubt that the statement of this title is one of the objectives of a good part of the small and medium investors. At a time when the different fixed income products barely exceed 1% in the return they offer to savings. As a consequence of the cheaper price of money by the European Central Bank (BCE) and that has been carried out since the first years of this decade. To the point that interest is at the lowest levels in recent years and in any case at historical lows.
While on the other hand, the equity markets are not going through the best of their times. Faced with an uncertainty in the trend of financial markets and that have led to the selective index of the Spanish stock market, the Ibex 35, 13 has been depreciated last year. With the same negative margins as in other international stock markets. With an obvious fear on the part of investors that they may lose part of the money invested in this type of operation.
Faced with this general scenario, one of the goals of any small and medium investor resides in the fact of guaranteeing a fixed and guaranteed performance every year. It is certainly not a simple strategy to apply, but we are going to facilitate this task through a series of products that meet this requirement. That is, get at least 3% of your savings to go to your checking account. Whatever happens in the equity markets and even the fixed ones. It will be one of the alternatives that you can apply from now on.
Savings depend on prices
Before presenting you with a series of ideas to carry out this unique investment plan, it will be necessary for you to know that this action is clearly related to the increase in cost in life. In this sense, the annual variation rate of the CPI in the month of January it is 1,0%, two tenths less than that registered the previous month, according to the data provided by the National Institute of Statistics (INE). Where it is shown that the annual rate of core inflation decreases one tenth, to 0,8%.
While on the contrary, the monthly variation of the general index in this analyzed period is –1,3%. On the other hand, the Harmonized Consumer Price Index (IPCA) places its annual rate at 1,0%, which is down two tenths compared to December last year. With these data, it can be said that inflation in Spain is more or less controlled, it must be taken into account to plan this investment plan that we are going to propose from now on. With the main objective that your purchasing power remains intact with the returns you get through these financial products that we are going to propose.
Dividends above 3%
This will be the easiest way to fulfill this very special strategy. You also have the great advantage that you will not have great problems to achieve this desired goal. Not surprisingly, most of the listed companies that distribute dividends among their shareholders exceed these intermediation margins. In some cases it is even very close to the levels set at 10%. As in the specific case of the two national television channels, Atresmedia and Mediaset. A remuneration that you will get no matter what happens in the equity markets.
While on the contrary, these dividends will help you create a stable savings bag for the next few years. With a much higher performance than that offered by the main banking products. Among which stand out the fixed-term deposits, corporate promissory notes or high-paying accounts. In all cases, they rarely give you more than 1% at these precise times for the reasons previously noted in this article. This is a more than obvious reason to opt for dividends as a formula to increase your personal or family assets, which is, after all, what it is all about.
Guaranteed funds
This financial product can provide you between 3% and 5% in return on savings deposited through this savings model. Guaranteed investment funds are, as their name indicates, those that guarantee, in whole or in part, the capital invested, as well as a minimum average return pre-established for a period of time. But not with more generous margins than those stipulated at 5%. Also without risk for your money due to the special characteristics of this important product intended for investment.
On the other hand, if you choose this investment strategy, you should be very careful in the investment fund that you choose from these precise moments. For a very important reason, and that is that there are guaranteed funds that not even 1,50% regarding the interest that goes to your savings account. Therefore, you will have no choice but to be more selective than ever in this class of financial products. Because you cannot forget that its offer has decreased significantly in recent years as a result of the real situation of the financial markets, both linked to equities and fixed income.
Promotional deposits at 5%
Although it seems incredible to you at this moment you can subscribe a bank tax of these characteristics. But under very special requirements and that you should pay attention to from now on. Because in effect, this class of time deposits will depend on the direct debit of the payroll or regular income in the case of self-employed workers through an account of this nature in the bank that markets this unique product. In the best of financial proposals, they offer you up to 5%. Through a fixed and guaranteed payment every year.
But it's not all gold that glitters with promotional 5% deposits. Because they only apply for a very limited period of time, around 3 or 6 months. And for a section in the savings also very restricted. Because you will not be able to remunerate large amounts of money, but on the contrary, they will only reach a maximum of 10.000 or 15.000 euros per holder and deposit. But at least it will help you to overcome the weak interest rate margins that you can find at this time.
Equity investment funds
Another of the alternatives that you have at the moment to exceed 3% per year is through investment funds equity-based that distributes dividends among its holders. Through this other strategy you will be in a position to get up to 6% every year. Without risking your positions and therefore you can also create a stable savings bag from now on. Beyond other technical considerations in this financial product. Do not forget because this investment idea can be very useful at some point in your life as a small and medium investor.
On the other hand, you cannot forget that since the year 2016 Stock dividends and fund dividends have exactly the same taxation. So it can be a very profitable operation for your interests from all points of view. Since it is after all something that many small and medium investors are constantly looking for. That is, they have certain advantages through their corresponding tax treatment. Which is also a way to make your personal savings profitable. And that in this way it can give you more than one joy from these precise moments.
Mission accomplished
As you have seen, everything has a solution and also the fact that you can get a return on your savings of at least 3% in a fixed and guaranteed way every year. All you have to do is choose the model that best suits your profile as a small and medium investor and enjoy this yield when it expires. Not surprisingly, this is one of your most desired goals at this time so unstable for any kind of investment.
As in the specific fact that the fact that a fund can distribute a dividend is an important attraction for certain participants. Although it may not be for many others and where it will be you who has to make a decision from now on. So that you can have an interest rate higher than 3% at the end of the year, which is the statement of this article aimed at retail investors. With many more proposals than you had imagined from the beginning. Do you agree with these original approaches? Not surprisingly, this is one of your most desired goals at this time so unstable for any kind of investment. And to whom all kinds of strategies in relations with money should be directed.