What can my investments be this summer?

One of the biggest concerns that small investors will have in the next few will be how to configure their investment portfolio for this summer. Always complicated period of the year and that usually causes them many doubts about what they have to do. With the objective of monetize your savings with the best results. Something that is much more difficult to do than at other times of the year. As they have seen in recent trading exercises.

The behavior of equities in these months is almost always unpredictable. Because in fact, it is very difficult to detect the trend that financial markets can set. Of course, it will not be easy to reach this scenario, although in any case we will give you some keys so that you can get your decision right. Or what is better to defend your interests, the values ​​that will be more sensitive to protect your positions in the stock market. So that when your return from vacation arrives, your checking account balance is more buoyant.

Of course, you have some more favorable investment strategies to defend your interests as a small and medium investor. They are few months, but very intense where you have to take many precautions because any mistake can make you lose a lot of money. Perhaps more than you can afford in your household accounts. Therefore, it is really worth trying to avoid less favorable scenarios for equity markets. You should at least try from now on.

Summer, what do I do with my money?

The first approach you should take in this period is where to direct your savings. Well, it is not a very easy decision to make. Where safety must prevail above other much more aggressive valuations. Not surprisingly, the volatility of the financial markets will be one of their common denominators during these special days. In addition, you must expect that the number of operations carried out from the Spanish equity markets will be reduced.

You will have no choice but to set yourself goals that are not overly pretentious. Because in effect, it can generate considerable frustration in you. You cannot forget that in these months of the year the revaluations, or depreciations, are not very relevant. Don't forget it for do not make false expectations. It may be one of the effects that a bad operation in the financial markets can cause you. And if you have more than one doubt, it would be better for you to be absent from the parquet floors for at least a few months.

Seek a guaranteed return

One of the first strategies that you can formalize is to guarantee a fixed return on the invested savings. This can be done simply through the securities that distribute dividends among their shareholders. In this way, you can get a profitability close to 8% depending on the chosen proposal. All this, regardless of how its evolution is in the changes that are generated every day. However, it is a strategy that is aimed at satisfying the most defensive users. They do not want risks that could compromise their assets at any time.

In addition, this remuneration will be arranged in advance. Without having to wait for the sale of your shares. It can even serve as an investment to take it to the medium and long term, if this were really your desire. On the other hand, it will be a very effective method for you to preserve your savings during the summer months. If you agree with these approaches you will not have excessive problems to search with values ​​of these characteristics. Of all kinds and coming from all sectors of equities.

Stable values ​​in this period

Another option for these months is based on choosing very defensive values ​​that cannot generate excessive problems. In order for you to create an investment portfolio of these characteristics, you must choose the safest sectors of the stock market. Between them they cannot the electric one through all their listed companies. To the point that it gives you great stability that will be very important for these special months of the year. You will also have the great advantage of that you will not have crashes in your price. As on the other hand, it can happen to you in other much more conflictive stock market segments.

Nor should you disdain in taking positions on a European highway, such as Abertis, which is a highly recommended value for these special occasions. Because it will be a short-term investment, with a period of permanence that does not exceed two or three months. And in this sense, this sector can be one of the best decisions you can make from now on. In any case, it will be necessary to have a more conservative equity proposal than others. So your margins to make mistakes will be significantly lower.

Same day operations

If for any reason, your investor profile is more aggressive, you will have no choice but to vary your actions in the financial markets. And one of these movements will start from intraday operations. That is, made in the same trading session to take advantage of the large fluctuations that can be generated in their prices. Although in return, you will have no other solution than to assume more risks than through other more or less conventional strategies.

One of the objectives of opting for this investment model is to adapt to the large swings that can occur in some sessions of equities. For this, your operations must be more agile and of course without exhausting the terms of permanence. You will not get exceptional returns, but at least it will help you weather these difficult months for investment. In any case, you should have more learning in this kind of operations. If not, you'd better stay out of any position taking from now on.

Another option: exchange-traded funds

If you do not want to be positioned in the stock market during these months, you will have other options that can be very interesting to defend your interests as a small investor. In this sense, exchange-traded funds are better than traditional investment funds. This is due to the reason that it is a financial product much more agile. But above all because it adapts better to the permanence periods demanded by the summer months. Because in effect, ETFs are configured as an alternative to make profitable savings in a very short space of time. Where you can enter and exit positions with some ease. With commissions that will be affordable than through other products for investment.

Exchange traded funds, on the other hand, offer you the opportunity to invest your savings in almost all financial assets. Not just from equities. If not also of the fixed or even from alternative investment models. For example, based on the markets for raw materials or precious metals, among the most relevant. It can be a very effective proposal so that you can monetize your positions in the different financial markets. As on the other hand, they are developing an increasing number of small investors.

Contract fixed-term deposits

The most defensive investors may even go for the more conservative models. And one of the simplest proposals is materialized through term deposits. Around two or three years, just the length of this time of year. It will provide you with your contributions always be safe, whatever happens in the financial markets. And with a guaranteed remuneration in all cases. Although clearly insufficient for your expectations as a saver. Because in effect, it rarely exceeds the levels that are set at 1%.

In any case, it will allow you to enjoy these holidays with greater peace of mind. And of course, oblivious to the vicissitudes that financial markets can offer you. An added value that will be of special relevance if you do not want to be surprised when you return from your vacation trip. In addition, you have the advantage that it will be you yourself who chooses the terms of permanence where you want the assets to be directed. In any case, you will have no choice but to wait for its maturity so that you have the interest in your checking account balance.

As you may have seen, there are many alternatives that are available to be receptive to your money in these weeks of rest. You will only have to adapt them to the profile you present as a small and medium investor. And of course that of the amount that you are going to allocate to this kind of operations. Both in equities and fixed income. Where the only condition that you must meet is that it be developed for a very short time. Unlike other investment strategies that can be more durable in terms of time.

Although what it is about, at the end of the day, is what you preserve your capital. And if it can be with some profitability, however minimal it may be. With this requirement, you will have met your investment expectations for the summer. Because indeed, it is not a time of year to raise the bar on your prospects to improve the health of your personal accounts.