You may not know it, but if you are an investor, you can also save money in your usual operations on the stock market. And under more interesting amounts than you might initially think of when making this approach. And that you can dedicate them to indulge yourself from time to time, use it to boost your savings account, or perhaps a little trip with your friends. In any case, you should not underestimate this possibility, which may become reality if you have the decision to apply it with obvious will.
It is common for the saving it is generated in all kinds of actions and commercial relationships of users. From which they start from contain the expenses of the main household bills (electricity, water, gas, etc.), which you can undertake every time you go to the supermarket, or to the shops near your home. There is practically no loophole in any performance that you develop on your part. But where you surely could not imagine is that through your stock market operations you could achieve these objectives so desired by your interests as a consumer.
Investment strategies will become more and more effective as you develop more buy and sell orders throughout the year, or at least for a good part of the year. Not surprisingly, if you are only a one-time and occasional investor, with one or two operations in each year, the savings will not be excessively noticed in your checking account. Not surprisingly, the greatest savings will occur in users who make the more trades in the equity markets, the better. It will be the key to success when employing this suggestive strategy.
What are the most affordable stock markets?
The first source of savings comes from which equity markets are where you take positions to make your savings profitable. From this scenario, and with all security, that it will be the national markets that offer you the most competitive rates. Not in vain, you will be able save up to almost 50% of commissions they are with respect to international markets (France, Germany, Italy, Great Britain, etc.).
In addition, this option will not diminish the effectiveness of your investment proposal. The Spanish markets currently offer all kinds of offers, with sectors and securities of various kinds, which have little or nothing to envy those listed in other foreign markets. To the point, that from some banks and financial intermediaries, they provide you with a flat rate so you can save a lot of money on equity trades. A very suggestive proposal, without a doubt, to contain these expenses.
Every time you are tempted to go outside our borders to meet this demand, you should not forget that operations will always be more expensive, and regardless of the performance you can achieve in your stock operations. As a consequence of this scenario that is presented, you will already have before you a first way to make saving in this activity a reality.
In this sense, your first strategy should be based on investing in the national market above all else. To the economic benefit, it will be added the fact that you will be much more familiar with its components. They will not be strange to you, and you may have already operated with them on more than one occasion. Being able to develop an investment strategy that is underpinned by many years of experience.
Save with frequent operations
If you are one of those investors who promote several share purchase and sale operations during the month, you can take advantage of the flat rates that financial institutions have been marketing for the most active clients in the equity markets. Via fixed fee every month, which is stipulated between approximately 20 and 30 euros, you will have the opportunity to carry out operations without limits or restrictions of any kind.
This special rate will allow you to generate savings in these expenses not negligible, and that can reach many euros in each year, provided that you push many orders of these characteristics every month. Although surely that also in this case you will be limited to making them in national markets, where these offers are mostly marketed at their prices. Not surprisingly, with some trading accounts in this period, the savings could approach up to 100 euros in each month that you have contracted this rate.
However, if you opt for the international markets proposals to contain their expenses will drop significantly. But by having the minimum offers, they stop fulfilling these wishes to cross borders in the equity markets. And where the savings could be even greater than in other formats, precisely because of the increase in commissions and expenses in management and maintenance. It is convenient that you remember it from now on, if you are going to go through any of these situations in the coming months.
Grouping purchase orders
As you surely know, the intermediation margins that banks apply to you fluctuate depending on the total amount of the operation that you have promoted in the trading floors. A little trick to reduce costs is to unify your buying (or selling) operations. Instead of making four or five very small ones, it is preferable to group it into a single and larger one. Not in vain, you will be able to see almost instantly, the many euros that you can save if you opt for this very original strategy, but at the same time really effective.
It is true that it will prevent you from diversifying the investment, but in exchange the revaluation potential that you can achieve will be expanded more than remarkably. In any case, it will lead you to make an effort in selecting the securities that make up your investment portfolio. It is a very favorable proposal for terms of permanence destined to the medium and long term. And that may even be powered by high dividend yield securities. They can give you a yield between 3% and 8% every year. Above that provided in the main products based on fixed income (time deposits, promissory notes, public debt, etc.). Creating a fixed income within the variable.
You will start to notice the effects of saving on your checking account balance from the beginning, with a healthier state of it. Not only containing expenses, but also optimizing investment management. And as a consequence, with greater options to make profitable savings being concentrated in a single value. As a negative element, the risks will also increase, although you can reduce them by means of a stop loss order, known as a stop loss.
Offers and promotions from banks
Undoubtedly, you should be very attentive to all the proposals that financial institutions have been developing to attract the capital of their clients, and from which you can benefit at any time and circumstance, by saving more money. The proposals are of diverse nature, and even made under completely opposite commercial strategies in their approaches. The most common is to launch cheaper rates that may have a discount of around 30% on their original prices. Being present in a good part of the bank offers. Just to create a securities account, and without major demands.
A much more aggressive approach stems from the investment portfolio transfer with which banks reward new clients, including with cash, depending on the balance contributed by users. And that is especially effective when they try to change banks, for any circumstance. Also in this singular case, the promotion of savings can materialize without excessive effort, and above other more conventional strategies.
Nor is the elimination of some expenses involved in operations in equity markets. They are generally the least expansive of all, and help save. But even so, it will be another alternative that you have to cut all the monetary leaks during the process of investing in the stock market. In any case, you will have to be very aware of the appearance of these promotional offers, since they are punctual, and appear from time to time.
Adjust buy and sell prices
Either way, the best way to achieve these desired goals is to try to fine-tune the orders to enter and exit the markets. Any deviation, up or down, can cost many more euros than you can imagine at first. And as the operation is more forceful, the effects will be more noticeable. The best advice to achieve this is to maintain a some patience in the process, and not carry out each one of the operations without any foundation.
Any capital gain that you get above 10% will be more than satisfactory, to the point that it does not make it necessary for you to use other additional strategies to promote savings in this type of operation. At the end of the day it will be the purpose by which your actions on the stock market are governed.
And it will also be very important that you keep in mind that not all banks offer the same rates, but move with slight deviations. You should choose the most competitive ones, as long as the services offered are of high quality and you are comfortable with their benefits. And where online formats are the ones that offer the best prices, with more options to save. In addition, with the possibility of buying and selling shares in real time.
As you may have seen in this information, there are many sources that you can turn to to contain the expenses of your investment and save money, and where you should lean towards the option that best suits your profile as a small investor.