This year is not being very favorable for the interests of savers. Of course not. No product is giving them the performance of previous years to encourage your savings, and even showing an inappropriate lack of definition for the activity of the financial markets. From the fixed income, whose products are not giving the interest of other times, as a consequence of the monetary policy of lowering the price of money by the European Central Bank (ECB). And that has led to its main banking products (deposits, promissory notes, etc.) not currently offering profit margins above 0,40%.
Equities are not responding to the expectations of small investors either, with a vagueness in the main stock indices which is leading many of them to close positions. Not surprisingly, a slight stagnation in the international economy is preventing share prices from returning to higher levels in their quotation. And that, helped by the instability in the oil market, is preventing a good evolution of the stock markets during the first quarter of the year. Even with the real possibility that there could be a significant cut in the value of your shares.
From this certainly complicated scenario, there are few alternatives available to investors at the moment. Although new business opportunities are emerging away from traditional investment channels. And that even approach more innovative proposals than ever, which can be used to make savings profitable in a period as complex as the one we are experiencing in financial markets.
The truth is that a good part of savers wonder what they can do with the savings available, and if they can find a product that will make them increase their assets in a more or less reasonable period of stay. Well, not everything is negative in the investment sector, and in fact new financial markets are opening up, and even products, so that you can activate your operations in international markets, both in fixed income, and in variable. But adding in this case, more than one alternative proposal, or at least not very frequent in recent years.
Safe haven values for your savings
One of the strategies you have at hand is to choose the safe haven values that are currently available, and that may offer you a greater interest to make your operations profitable. One of these proposals may come from gold, one of the few financial assets that is maintaining a clearly positive evolution during the first months of this complicated year. Its revaluation is close to 30%, maintaining an upward trend that draws the attention of the main financial market analysts.
If you want to take positions in this financial asset, you have many options to do so. From buying shares of companies clearly linked to this productive activity, to the investment funds based on the yellow metal. You can even buy gold bars directly for very modest amounts, without having to face large monetary outlays. You do not have to limit yourself to a single strategy for your investment.
Another of the possibilities that you have at the moment is by going to the bonds that generate the highest yield. And in this sense, North Americans and German are the ones who can give you the most joy. Not surprisingly, a good part of the international monetary flow is being directed towards these financial assets to make profitable operations in financial markets. They offer the best equation between profitability and risk, above other assets that you can hire at the moment to boost savings.
In the specific case of the North American bond, because it is favored by the increase in the interest rate in this geographical area of the world, following the decision of the United States Federal Reserve (FED) to change its monetary policy and raise interest rates by a quarter point, and leave them at 0,50%. And with regard to the German bond, given the problems of all kinds that are shaking the European Union, and which will have as a point of reflection the possible departure of Great Britain after the next referendum that will take place at the end of this spring. In this stage, German bonds provide greater security as a result of the strength of the German markets.
Return to the forex market
The strong volatility that this financial market presents makes it very desirable for investors, as it may be in your case, who want immediate and even more generous capital gains. The strong fluctuations in their parity, and consequently in their prices, make them really suitable to include them in your investment portfolio. Nevertheless, will require more experience in these markets, and it will be necessary for them to have several operations in these financial assets, to prevent unwanted operations. You can earn a lot of money, true, but losses can also affect you in a very pronounced way, losing many euros along the way.
In addition, they must be very fast operations in the markets, since their trend changes are constant, and the postponement of the purchase order of any of these currencies may imply the success or not of the operation. In any case, it is one of the options that you can use to compensate for the lack of incentives of the stock markets, but always guiding you under great caution in all the movements that you formalize.
Credits between individuals
If you want a truly original way to improve your profit margins, you have in this financing modality a unique opportunity to achieve your goals. You will only have to grant credits to other people, and from private and crowdfunding platforms that have been created to meet this need. The return that you can obtain for these very special operations is always above 5%. And to the point of significantly improving the profits you can obtain compared to other more conventional investment models.
The strategy is to lend small amounts, between 5.000 and 15.000 euros approximately to people seeking financing to develop their entrepreneurial projects, and even personal ones. In return you will get some interesting returns, which you can get in few banking products. And that it will not be linked to the evolution of any financial market, neither fixed income nor variable.
Back to the brick
You will always have the resource of going back to the brick. How? The activation of the real estate sector in Spain is a reality, and you can take advantage of this scenario that is presented from now on. Mainly with the purchase of flats, but without forgetting other alternatives that can be very interesting, and that will require less investment: commercial premises, garages, farms, etc. At least it will be for you to take it into account, as long as you have a powerful savings bag, and above what you need for other investments.
The benefits of these operations can be significantly greater, although you should consider whether this operation suits you based on the status of your personal accounts. Not surprisingly, it will require much more competitive monetary movements, and in any case, you should be very clear about the objectives you want.
Look for new markets
Of course, you should not remain static, but open yourself to new financial products and services to correctly channel your operations to make the savings profitable in a scenario as difficult as the current one. For it, you can investigate other financial assets that generate a higher return, and that for whatever reason they are more unknown. It is time to apply that old advice among investors that there are always business opportunities.
Energy assets, raw materials, precious metals, and even food itself may change the course of your investments from now on. In any case, it will be absolutely necessary that you are used to operating with these financial assets. Not in vain, there will be many risks that you can assume in each of the operations, above other investments. And always advised by a professional specialized in these products, which you will surely have at your disposal in your usual bank, and for free, without costing you a single euro.
Get out of national borders
Another resource to boost the balance of your savings is based on buying fixed income from other geographical areas, even from very exotic countries. Emerging debt can be a solution to your problems, as long as you admit that they are dealing with high-risk operations. And not all small and medium investors can assume them. Are you in a position? If so, you have a very wide and diversified offer, and in certain areas they can generate significant sums of money in the form of capital gains.
In any case, you must have a lot of patience when hiring these products since they are very unstable to make your savings profitable, and as soon as they can fall severely, as the next day to drive even more powerful increases. One way to preserve economic contributions is through investment diversification, combining it with other financial assets. Proceeding from both fixed income and variable income, even opting for alternative or mixed models. And of course not concentrated in a single area of the world, but distributed.
And finally, there will always be the recuse of subscribing savings products that have a better tax treatment. It will be another different way to make profitable the savings accumulated during years and years of work. From this approach, pension plans can become the best alternative to achieve your goals. And they will even make you pay less money on your next income statement. Aspect of no less importance to plan your personal accounts, and save a few euros in the operation.