One more year the long-awaited Christmas parties arrive. And with them family parties, celebrations with friends and ultimately spending a few days of fun with the ones you love. But what many people may not know is that this is a period of the year when investments can be very profitable. To the point of get more demanding percentages and that can meet your expectations. Because one of the clearest axioms in the world of money is that any moment can be valid to carry out all kinds of financial operations.
You are still on time to meet this special demand that will help you improve your checking account balance from now on. Not only through the purchase and sale of shares. But also through other financial products, in which of course it is including fixed income. In this sense, you cannot forget that any time is a good time to do business. But much more at Christmas, as you will be able to see from now on. You will only have to put some of these ideas into practice.
This is a period in the year when the world's great fortunes are put to work. And in some cases, in what way. Well, it is time to imitate these actions so that you start the new year with new impetus in the task of increase your personal assets. Of course, proposals are not going to be missing from now on. From different approaches to investment. Ranging from very conservative strategies to other eminently aggressive ones with the need to assume a higher level of risks. Do you want to know some of these proposals? Well, pay a little attention because they can help you achieve your goals.
Christmas: actions with discounts
The stock market is the queen of investments and how could it be less you must keep them in mind to make your savings profitable during the days of the Christmas holidays. An excellent strategy is to opt for values that are important discounts on their prices. This is so you can take advantage of the revaluation potential that these financial assets have. Even in a few days since these days the Climbs in equity markets they are more pronounced. It is not surprising that you can invest your money with greater guarantees than at other times of the year.
Anyway, it is not the only strategy you can apply at this time of year. But on the contrary, you can also choose the dividends distributed by publicly traded companies. Because in this period of the year it is very frequent that these monetary distributions are generated. Especially during the first days of the new year and which are led by electricity companies in general linked to all kinds of energies. Through this simple strategy you will be in a position to achieve a return on your savings of up to 6%. With the security that this payment will be made effective in your savings account.
Appearance of the Christmas rally
If these family parties are characterized by something with regard to the world of money, it is because the so popular one almost always emerges christmas rally. In all prices, shares are appreciated as a result of the push from comparators. It is a movement that does not have a definite time and that can last several weeks. Depending on its intensity, you can carry out one or another investment strategy. The possibilities are high so that you can improve profitability margins in the economic contributions you make during these days or weeks.
This rally is taken advantage of by a good part of the small and medium investors who take advantage of these family holidays to optimize their movements in the equity markets. It does not matter which sector you are targeting since it affects almost equally all the securities that make up the Spanish continuous market. Although perhaps the most aggressive are those that have a more positive response during these days of equities. On the other hand, you will not have to assess neither the technical nor the fundamental aspect of these companies that are listed on the national stock market.
Hire a mixed fund
Another option you have to invest money on these special days are mutual funds. But with a longer period of time than that covered by these holidays. But among all these financial products the most indicated perhaps are the mixed funds. With a portfolio in which both equity and fixed income financial assets are present. So that in this way, you better diversify the assets invested at those times. In this way, you will be more protected against possible instabilities in the financial markets. Because in these cases, losses will be remarkably limited.
This class of investment funds have the advantage that you can hire them for very affordable amounts for all kinds of household economies. Since 1.000 € You can formalize one of the many formats that have been made by the main management companies in the world. Depending on the profile you present as a small and medium investor. With different modalities in which of course practically all the areas or geographical zones of the world are incorporated. From the euro zone to Southeast Asia and with almost no exclusions.
One-month deposits only
If you are a very defensive investor, the best solution for your interests is made up of one-month term deposits. In this way, you will guarantee above all your contributions, but obtaining a small return. With an interest rate of up to 0,5% that you will receive upon maturity of this financial product. Through contributions from 100 euros and without any type of commissions or other expenses in its management and maintenance. It is, in any way, a savings model that is adapted to these Christmas holidays. So that you can later divert it to other financial products.
In any case, you can improve these margins if you link this product to a financial asset. As for example, those linked to equities, precious metals or even raw materials. So that the interest offered by these deposits can reach levels close to 1%. Although for this it will be completely necessary that minimum conditions are met. Among which it stands out that the prices of the securities exceed previously established levels. In any case, the offer is not as wide as in the more traditional deposits.
Commodity-based ETF
If you want to be more sophisticated to make your savings profitable during this time of year, there is nothing better than exchange-traded funds. But in this case, based on the odd one raw material that maintains a clearly upward trend. Something that you will not have much trouble finding this demand. ETFs, which is how these financial products are called, is a mix between buying and selling stocks and mutual funds. But that present a greater utility in a period of time as short as that of Christmas. However, you must have a greater financial knowledge to open positions in this investment model.
You can subscribe it from very modest amounts and with less demanding commissions than in the case of investment funds. Either way, one of its advantages is that you can choose different exchange-traded funds based on the selected commodity. The main drawback for hiring is the fact that many of these products will require you formalize it in another currency other than the euro. It will be an action that will cost you more money as a result of the commissions that these financial products present. They are generally made in US dollars, British pounds or even some very specific Swiss francs.
The most aggressive bet: warrants
The most aggressive way to invest in Christmas is through this much more sophisticated product than those mentioned so far. Because they are only intended for a very specific investment profile. Where it highlights its desire to achieve high returns on money in a very short space of time. Where the risk is present in all operations. Because while it is true that you can earn a lot of money from now on, you can also leave yourself a lot of euros along the way. Perhaps more than you can bear right now.
Another variant that this financial product generates is that you can operate with it in both buying and selling positions. With which you can adapt it to all financial market situations. Even the most unfavorable for them. With much more aggressive results compared to the other investment models mentioned above. In any case, only if your profile is highly aggressive, you will have to resort to this sophisticated investment model. Because the risks are always very latent in all the operations that you are going to develop from now on.