Before investing your savings you will have to define what is the profile that you present as a small and mediating investor. It will be decisive to channel with Greater precision your operations in the equity markets. It will even be the catalyst for you to opt for one or another financial product. Because in effect, not all of them are recommended for the characteristics that you contribute. There are many investment models on the market, but not all of them are the best suited to the way you relate to the world of money. Only then will you be more successful in the movements you make.
Once the profile is defined, it will be time to invest the savings in the design that best suits your way of thinking. Taking into account the maturities, limitations and of course the capital you have to make the operations profitable. In this way, you will have much easier design your investment strategy looking forward to the next few months. Even with greater protection of your personal assets. Whatever value you present.
One of the most effective strategies you can use is the one based on adapting to your own needs. You can achieve this by not investing beyond your means. It is one of the keys to obtain the best returns on savings. In addition, to combine them according to the financial culture what you contribute. If, for example, you do not understand the mechanics of warrants, the best thing you can do is absent yourself from opening positions. Opting for other proposals that are better known and you may even have some experience in them.
Profile: most speculative investors
If there is an investment profile that always draws attention, it is none other than that of speculators. Try to make your operations profitable very quickly and above other considerations. It does not matter that they use unconventional values, but as they are more volatile, the better for their interests. It is for these reasons that they are chosen, not only for some values of these characteristics. But also for the most sophisticated financial products. From this stage there are several models that can represent them from now on.
warrants: it is one of your favorite formats due to the complexity of its positions. Not surprisingly, it is where they can obtain the highest returns. Above the classic investment in equity markets. Although for the same reasons, very apt to have more than one negative surprise. With the danger that you can leave many euros in the financial markets along the way. More than you can imagine.
Credit sales: another very innovative product that requires you to have a lot of experience in the markets. Its main characteristic is that you benefit from the bearish positions of the stock market. In this way, you are in complete disposition to invest your savings in the most unfavorable scenarios that you can find. The gains are practically unlimited, but also to live with latent risks. From the moment you open positions in any of the financial assets. Either way, you have to be very confident about the trend of the financial markets.
Products under moderate investors
They are open to all possibilities. It is one of the advantages of belonging to this group of small and medium investors. Not surprisingly, you can invest in all markets. As long as they are receptive to your operations. From time deposits to some of those mentioned above. If you are from this group, congratulations, because you will have more than one proposal to find the savings for your assets.
In any case, mutual funds are still one of his favorite models. Especially because of the wide variety of formats they have. It enables you to invest in fixed or variable income. Even opt for alternative formats or at least not so conventional. It is the specific case of STDs.
As a consequence of these characteristics, it is not surprising that these profiles choose to combine several products at the same time. It is a diversification strategy in investment that can yield highly suggestive results for your interests. In addition, it will be a very correct formula for protect checking account balance. Thus, you can combine in the same period, from a very conservative investment fund to a more aggressive equity investment. Although you will have no choice but to carry out a special follow-up to your positions. In case they require a variation in the securities portfolio.
The most conservative savers
It is a very specific group that is represented mostly by older users. Above 50 years, where retirees have a very relevant specific weight. They try to optimize their investments as if it were a savings bag. On many of the occasions in the classical sense of his performances. That is why they opt for deposits, bank promissory notes or even the occasional fixed-income fund. Or even for the monetary ones in the most defensive scenarios that can be found.
It is rare, on the contrary, that their exposures to equities are frequent. And when they do, always with refuge or more conservative values in their sights. They also have one of their main incentives in dividends. To have a fixed income every year within the variable. With an annual return and guaranteed that can approach the 7% barrier. In other words, a much more generous return than that generated by banking products. Where they will rarely improve the 1% level.
The most defensive investors in financial markets rarely expose their savings to certainly complex products. They don't even try to open any kind of operations. They prefer the security of their assets to any return that can be generated in the different products that they can choose in any scenario. The misgivings is the common denominator in all their actions. Sometimes in an almost dictatorial way. Whatever capital it contributed to these operations.
No definition in your profile
Nor can we forget those investors who have not been identified in their profile as a small or medium investor. Good because you have never invested your money in the financial markets. Or because your economic situation has changed. As a result of an inheritance, a raise in salary or even being graced by a great prize in the orange blossom games. Well, in these in particular there will be no awareness of the role that you will have to develop from those moments as a new investor.
In this situation, on the other hand very frequent at the present time, the most advisable thing is that you continue to be guided by the products that have done you very well up to now. You don't have to change and much less drastically and maybe even a little traumatic. You just have to change your investment strategy under amounts that are not excessively high. If possible, advised from your own bank or through professionals with extensive experience in capital management.
In any case, the stock market should be the base of your investments. Even if diversifying your savings in a basket of stocks. Instead of putting all the money in a single security or financial asset. It will, in short, be one of the main keys so that you are in a better position to protect the contributions invested at that time. It can be complemented by a very prudent selection of the securities that will make up your portfolio.
Investor actions
- They should be limited exclusively to your profile without invading other spheres that do not belong to them. It is not even desirable to try to do the odd experiment with your money. The variable income is not for these movements so atypical.
- They don't have to be limited to just one financial product. As we have explained, in each investment profile there are enabled various models to invest in all kinds of financial assets. They can make their own selection.
- La experience be invaluable. From this scenario, the best option you can avail yourself of is to opt for investor models in which you already have extensive experience in their operations. The more you have done, the better.
- Considering yourself as a champion of the most conservative positions should not be at odds with the obtaining profitability more or less acceptable. It can even be an incentive to gradually improve your checking account balance. Without much spectacularity, although in a safe way.
- Under no circumstances try to imitate other investors. You do not know them and you will not know what the scenarios are for what they move in the financial markets. They can have many motivations and of diverse nature. Envy in the world of money is not a good companion in this kind of adventure.
- It is highly recommended that you try by all means to learn from your previous mistakes in the investment sector. It can be a very original strategy to increase the return on invested capital from now on. Not surprisingly, there are many lessons you can take from this learning in both equities and fixed income. Do not forget.