Options where to invest

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19-01-2009 | Javier Gomez

Yesterday, between the advices to invest that we were giving to you, we mention to you that the best thing is to diversify. We have to try to find options to invest that we are brought by yields of different instruments of saving, and even of different Financial institutions. The diversification will diminish the loss risk and pro against, there will increase the possibility of obtaining profit, but especially, in economic moments like the current one, the safety that gives us having our money divided between several places is something unpayable.

Today we want to speak to you about these options that we can have to invest our money. The election of one or other, it will depend, basically, on the biggest or minor risk that let's want to adopt.

- BANK DEPOSITS

Probably, many, when they see the losses that are had in Stock Exchange, return to those times in which our biggest were saying that one to us about “the surest money is in the Bank in an imposition in term” (and that when they were not saying that in brick). The best deposits to one year are in these moments about profitability a little superior to 4 % of average. Nevertheless, we can still find deposits to one year over 5 %, as it is the case of of One And that is in 5,1 %. Enough below what they were offering us not long ago more than one month, but over the last IPC.

As the term is shorter we can find profitability Superiors. Even, the best stipendiary accounts, of immediate liquidity, can be a good option for this circulating money that we have. For example, ING offers us the orange account with 5,25 % of interest the first 4 months, although then 2,47 % happens to be remunerated.

The bank deposits are a sure option, without any risk and it will always give us anything. Of course, we must bear in mind that the tendency of the Euribor for 2009 is to the fall, and that therefore, the deposits every time us will be less profitable.

- CORPORATE BONDS

We already analyze them in another previous article, but the corporate bonds are to today, one of the best options of investment that they exist. High profitability (over the Government stock) about that 6 % can go so far as to be, although of course, it is necessary to fulfill a premise. In these moments, if we decide to invest in company bonds, we must look issuers of recognized solvency this way to avoid possible frights. Think that after all it is a commitment of a company to return us our money more a few interests or coupon, in a certain time. In these moments, the best bonds and more trustworthy are those who are expressed by companies of telecommunications and of utilities.

For that we are retail, and cannot invest too many resources in only one strategy, the best way of coming up to these corporate bonds is to do it across investment funds that they invest in these assets.

- GOVERNMENT STOCK

It has always been said that there are a sure investment. The problem is in his low profitability, that to the others, he will be every time a minor as they lower the types. At present, the Spanish bond is concerning 4 % to 10 years, while the Treasury bills are in a sad one 2,19 %.

Scarce profitability in these moments for our money, to too much term.

- STOCK EXCHANGE

For strong hearts in these moments. Personally, I believe that it is the moment to be entering Stock Exchange, although very little to little, to making use of the falls. There are values that have been hardly punished in Stock Exchange and that there present a very low PER and high profitability for dividend. The question is to be able to select, and, not to think of winning especially in the short term. This is an investment that I would consider to be long-term. It is a question of putting the money little by little and of forgetting that is there, and we do not scare because it could lower more (that it will go down). But the fact is that to be right with the exact moment in which they touch funds is little less than a lottery. What it is necessary to know and to realize well when we put money in a value is that the price to which invirtamos it is much underneath of the one that we believe that it will have in 2 years, for example.

Of course, at the moment, the best thing is to look well at his PER, and if we want certain yields, to look for them with high profitability for dividend.

- INVESTMENT FUNDS

At the moment, I would limit myself to the guaranteed investment funds. The guaranteed ones that they invest in fixed revenue finished in 2008 with an average of profitability of 3,28 % There them are of dierentes categories, but for example, last some year that he was investing in dollars did his year. This way, Guaranteed Fondespaña Dólar 2, with profitability linked to the dollar went so far as to gain 19,95 % in the year. The guaranteed investment funds, in variable revenue, obtained worse profitability last year, but on contrary, they can allow us major profit in case the Stock Exchange goes better, and especially, it gives us the calmness of having our inverted money insured.

Inside the safety that offers us being guaranteed, these funds linked to the variable revenue are for profiles of more risk.

- HOUSING

It is not a good moment to invest in housing. Still there keep on going out studies and statistics that point that in this 2009 the prices of the housing will lower more. Patiently, and being able to look, as I advanced the year we will be able to find “bargains“. The property development companies are doing important offers and discounts in his stocks, and on the other hand, the banks also will need to extract the real estate originated from sequestrations. Finally, and although the mortgages are cheaper thanks to the last interest descents, there will be apartments that go on sale at prices reduced by the urgency of the seller to take from him of above debts that it cannot confront. The increase of the slowness is a clear indicator of this strangulation.

In short. Patience. It is a good moment to be investing little by little. The Governments they have already started working, and lasmedidas seizures will begin yielding his fruits soon, although it does it very slowly. Everything will happen for the recovery of the credibility in the system, what will facilitate also the access to the credits and the reactivcación of the economy.

Invirtamos. But always very attentive to any news, diversifying, and doing it with the intention of obtaining not short-term profitability (it is not a moment of “blows with a ball“), but in the long term.

To read more on: Investments, finance
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