Advices to know how to invest

www.minus19.com

18-01-2009 | Javier Gomez

Where to invest? such a simple question, but that shuts a very complicated answer up. Yes, because to know where to invest in every certain moment depends on many factors, many of external them to us. Not only it costs in spite of saying: "our profile is conservative”, or “we like the risk”. Inside this conservatism / risk scale there are many steps to which to raise us, and that are accentuated when the economic moment is so volatile as the one that exists right now.

It does not even two months we write another article in which we were speaking to you where from to put the money in moments of crisis, and at that time we were advocating the bank deposits, but in only two months, this option has lost many points for the continuous descents of the Euribor. It is an example of that not only costs in spite of knowing our profile, but in moments of crisis it is very important to know continuously about the economy, it is alert to the offers and to the oscillations of the different markets and according to these, to risk more or less. Personally I believe that of nothing it serves to affiliate to one or another profile, but the profit comes from the capacity of adaptation of the investor to the economic moment.

This economic moment of today, to January, 2009, is worse that he has had us to live till now, where the worst thing the loss of credibility is in the financial system. The interest rates do not do any more that to go down, ballasting the saving in deposit. The Stock Exchanges one day rise and three lower to the thread of more minimal negative news. The economic news speaks about the increase of the unemployment, of economic recession … Moments as this one to us they are those who are more difficult to find a good investment, and to more of one, his body and his mind asks him to keep the money in a sock and to put it under a brick. But not, always, there is a good option, and being able to look and to adapt itself we will be able to find a product that offers us profitability over the IPC, with which the concept of the saving will remain safeguarded.

On the other hand, an important maxim is that it is necessary to diversify. We neither can we nor must put all our money either in only one instrument of investment, or so even in the same Financial institution. We must look for alternatives and invest in different fronts. This way, the options to obtain major profitability will be major. The diversification will improve our risk ratios before fallen temporary employees and one will allow to feel us calmer and safe.

In the article OPTIONS TO INVEST we analyze the different hardware to invest at present: bank deposits, corporate bonds, Government stock, Stock Exchange, Investment funds and Housing.

To read more on: Investments, finance
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