One of the products marketed by a significant number of securities and stock exchange companies are fund accounts that are intended for investors who invest mainly in investment funds and do not require real-time quotes to the stock market. It allows you to invest in this type of product through a wide selection of prestigious international managers, in addition to operating on the Spanish stock market and the main international stock exchanges.
Among the main advantages of hiring one of these accounts is the possibility of receiving monthly reports on the management of your funds prepared by the manager himself, a free securities advisory program, access to fundamental analysis and free custody for a specified period for new customers. It is one of the models that have been emerging with the greatest intensity in recent months to make the assets of an increasing number of bank users profitable.
Especially investors who carry out many operations a year, both aimed at the short and in the medium or long term, can take advantage of the flat stock market rates that are beginning to be marketed more and more financial institutions and, which allow significant savings in terms of commissions for operations carried out. Its rate is between 6 and 10 euros per month, and for a person who carries out a total of four operations per month, for example, the savings can mean about 30 euros per month on average, which also helps to optimize the investment .
Products for trading on the stock market
La flat rate The stock market 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 covers banks and savings banks that operate through the Internet and brokers, both national and international, which are the ones that provide the best conditions.
In upward trends, a very common rule among the most experienced investors is to wait for cuts in the prices of companies to enter the market. at more competitive prices and, which can lead to a greater upward journey in value and, therefore, greater possibilities of revaluation. These specific cuts occur when there is a certain "fatigue" in the buying positions and sales begin to float, that is, when the market is overbought and needs an adjustment in prices to continue its upward climb.
Take advantage of cuts
These "breaks" in your price quote, in which sales begin to emerge, they occur several times during a bullish process, even the stock market analysts describe it as "completely healthy market movements”That serve for the indices, sectors or stocks to gain more strength in the next trading sessions. They are especially suitable for those investors who are targeting the shorter term and want to get all their "juice" from the upward movements experienced by equities. On the contrary, they have little effectiveness for those who choose their investment towards the medium and long term since their repercussion will not be as effective.
A large majority of financial intermediaries, far from betting on the values that lagged the most from the previous year, clearly bet on prudence and choose to recommend to their clients that remain in liquidity during the first half of the year in order to see how equities evolve to the many unknowns posed by the current economic situation. Hence, they are not in favor of making purchases during the first half of the year, and, yes, once the evolution in this period has been analyzed, positions could be taken in those sectors or companies that are better responding to the current moment, although they warn that the The key to making a good operation is to be very selective when setting up the securities portfolio.
Fleeing speculative values
The stock market analysts consider that it is necessary to flee from the speculative values that do not have growth expectations or from the companies that are going to come out of the current economic crisis worse. In short, prudence and wait as equities are going to behave in these months, to try to find a really interesting buying opportunity for the interests of small and medium investors.
Some of these subjective techniques and, in many cases illogical (but effective in the same way) are those that promote buying and selling depending on the day, month or time of year and, which are the following:
Day of the month: the prices of the titles tend to rise the first days of each month. Hence, if it is bought in the last week of the previous month and sold in the first week of the following month, the investor has many possibilities to make a profit on his investment in a relatively short period of time and, in a simple way to carry out the practice.
Weekdays: Tuesdays, Wednesdays and Thursdays are generally stable, without large fluctuations, while Mondays have a clearly bearish profile and Fridays, bullish. In the first one because you are waiting for how it will open Wall Street and, the last day of the trading session, because there are always movements on the part of the brokers before the weekend.
January: For many analysts, the first month of the year is a reflection of what will happen throughout the year. In fact, they consider that the trend of the markets in the first five days of this month can be extrapolated to the end of the year. In those days, the stock market is usually more bullish than bearish, because the fund managers, who are the ones who make the markets move, invest a lot of the money they have available, since, as they are at the beginning of the year, if they make a mistake gives time to rectify.
Find reliable systems
The first thing that the investor must bear in mind is that this system is unreliable and recommended to be supported to carry out a stock investment due to the little rigor that the participants have in this informational community. Why, if they really were, what is the Samaritan ability to provide privileged information to the rest of the participants? But the worst thing is the danger that some of these opinions can bring to those participants in the forum, and who, led by their good will or ignorance, can be influenced in their decision-making.
Therefore, a lot of caution and caution when evaluating this tool that is available on the net, since it can be very fun to visit and participate in them, but when it comes to our money, what small investors should do to get in the hands of authentic stock exchange experts that will dictate what should or should not be done at all times. There are also other more objective channels that can help the investor to carry out this process and that are none other than those provided by the specialized media, which include technical and fundamental analysis, recommendations of the most important brokers, both national and international, verified news and the main relevant events that affect the securities listed on the stock market.
Advice on the stock market
The stock market services available to financial institutions also have the figure of the Investment advisor They make a personalized advisory service available to their clients by which an alternative to invest is provided according to the needs of each client and their risk profile as an investor.
On the other hand, if what you want is to delegate the management of investments, some entities also have management agreements, delegated portfolios of investment funds, shares or pension plans / EPSV, adapted to the profile of each client and, where the stock market experts actively manage the portfolio looking at all times the best return / risk ratio. Finally, another service that clients can enjoy in their bank or savings bank is self-analysis, examining themselves and in detail the investment products that they already have contracted.
When it comes to quantifying the possible profits of each stock exchange transaction, not only do we have to look for the difference between the purchase price and the sale price, but we must also add the commission rates that each stock transaction has, as well as the of custody and, of course, the amount that is destined to the Treasury, by 18%. Adding all of them –which represent between 0,50% and 1,50% of the invested capital- it will be possible to detect the true profitability of the investment, which in cases where capital gains are minimal, may not even amortize the effect of commissions and taxes. In situations of upward trend, the most sensible thing is to hold the investment until better prices are obtained in its quotation or until signals appear that indicate the end of this movement.