Higher profitability accounts as an alternative to the stock market

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Sea cual sea el caso, y debido a la reciente y continua caída de los tipos de interés, muchas de las entidades han apostado por forget about flat rates and offer this type of accounts referenced to Euribor. While on the other hand, they are also carried out under a system of offers and promotions so that they can be subscribed more comfortably by bank users. At the end of the day, what it is about is that the remuneration is higher than the current levels that are very unsatisfactory for customers.

The requirements to enter this class of bank accounts are generally much more demanding than before. In this regard, it is not surprising that a very high current account balance y al que no todos los usuarios pueden ingresar. En de lo contrario, por el contrario, solo los mejores clientes de la entidad financiera están en condiciones de firmar este contrato. Por otra parte, además suelen recurrir a una strategy comercial como la domiciliación en nómina o rentas regulares en autónomos o autónomos como verdaderamente se les conoce. Sin estas demandas no hay oportunidad de contratar estas cuentas tan especiales.

Another aspect to pay attention to in this financial instrument is that which has to do with the minimum balance that must be maintained each month. In this regard, they are very elite accounts that are not available to all bank users. Because they do not have a period of stay because the contract can be terminated at any time and without any commission or penalty. In other words, it is a performance that you can take with total freedom at any time and situation.

If this financial instrument is characterized by something, it is because it is exempt from commissions and other expenses in its administration or maintenance. This contribution in practice enables you promote savings from the start puesto que su estrategia se basa en impulsar el ahorro para que el saldo de la cuenta corriente crezca progresivamente, mes a mes. Lograr niveles muy considerables que no están al scope de otros productos de ahorro de similares características. De esta dinámica, sus tenedores además se beneficiarán de esta situación debido a que su rentabilidad será mayor exactamente debido a que se aplica a montos monetarios más elevados que antes.

While on the other hand, we cannot forget that this type of savings account is characterized especially by the fact that it makes it possible to contract other banking products with better conditions in your hiring. In this regard, it is very relevant that they offer preferential interest to contract fixed-term bank deposits, savings programs or plans, and sometimes even promissory notes from the bank in which you have subscribed your savings account. In other words, to boost your income statement by the end of each year at the time when you must take stock of your accounts or personal finances.

The subscription a Internet además es aplicable para otro tipo de cuentas más específicas como las de menores o jóvenes y, además para otros productos más diferenciados como las cuentas de vivienda, para los usuarios que acceden a rent a house in the next few dates. In both cases, and maintaining the same subscription constants, different online accounts have been drawn up that can be subscribed in both modalities by users, as long as the requirements imposed by each entity are met.

Despite not being as developed as the online accounts In the classical sense of the word, certain difficulties can be found in the current banking offer, in which products with these hallmarks appear periodically in order for banks and savings banks to cover more business "niches" in the market, ultimately attracting more customers. In addition, in these situations, the referred accounts do not allow direct debits of receipts, payroll or pension and do not have related cards or checkbooks.

La ventaja de su uso deriva una vez más de la conveniencia de suscribirse y gestionarlo desde el propio domicilio, inclusive desde la universidad, lo que los hace más accesibles para los segmentos sociales a los que se dirigen. Con una serie de ventajas que indudablemente deberían mejorar tu positioning en el banco en cuestión. Más allá de los instrumentos financieros que tengas contratados hasta ese momento. Debido a que lo que es al final del día es que el saldo de tu cuenta de ahorros aumenta año tras año para impulsar tu posición dentro del banco.

These are public debt securities accounts that can be opened. get debt of the State in a branch of the Bank of Spain, or, by transferring to this issuing entity the balances of this product registered in a managing entity, such as banks and savings banks. In this case, it is a product more linked to investment than to the administration of customer savings itself. Of course, there are many contributions that they can give you today. Do you want to know some of the most relevant?

First, a reduction in the costs of the investment that you have subscribed to make your personal or family assets profitable. Next, the undoubted ease of transferring securities from this special account to other management entities or vice versa.

Without forgetting at any time that it will be a very comfortable tool to carry out all kinds of reinvestments. Although one of its most original and innovative derivations resides in that it makes it possible to transfer the indicated debt, before its maturity, to another management entity or to the stock exchange system for sale on the secondary market. This is a feature that can be very useful for your trading in the equity markets. And that users rarely use to protect themselves from certain situations in the financial markets themselves.

In what is constituted as one of the most innovative accounts that exist in the banking market and whose use is clearly linked to the investment sector. With a series of clearly differentiated benefits that all investors can benefit from, both in fixed income and variable income operations and that is, after all, its purpose.

The drop in rates in recent months has only diminished the attractiveness that this type of product could have, and that in other times they came to grant its holders returns even above 5% in some of the promotions they are running. In a current scenario in which it is very rare that this class of accounts can challenge above 0.20%. To avoid these situations, credit institutions market this type of very special accounts with a series of services that can serve as a claim for their contracting. As an example, getting free credit or debit cards or direct debits are some of these statements.

Sea cual sea el caso, estas cuentas ofrecen un interés superior al de los formatos de ahorro tradicionales, que en el mejor de los casos no superan el 0,6%. La tendencia a la baja de las tasas de interés además afecta la oferta de estos productos. Algunas entidades han dejado de tenerlos de forma directa en su oferta bancaria, mientras que otras se olvidan de los tipos fijos y optan por referenciarlos al Euribor u otros activos financieros. Debido a que al fin y al cabo se trata de convencer al propio Username de que puede ser una herramienta poderosa para sus relaciones con las organizaciones financieras. Aún cuando de momento la oferta es de forma clara insuficiente para las necesidades de los clientes bancarios.