7 strategies to make your savings profitable in 2019

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Para buscar mayores retornos será necesario recurrir a alternativas de inversión más innovadoras. Como a modo de ejemplo con la contratación de depósitos bancarios móviles o la inversión en oro. En otros casos, la strategy se basa en decantarse por stock markets that they are alternatives and that until now had not been explored. A good example of this investment system is represented by some of the most relevant emerging markets. Where its potential for revaluation is greater than in the more conventional places.

On the other hand, you can not forget in addition to betting on the usual savings products. Through which we will be in a position to get a fixed and minimum profitability, whatever happens in the financial markets. Even without expecting great returns to savings due to the special characteristics of these conservative or defensive products. Without at any time we have to pay commissions or other expenses in its administration or maintenance.

Sometimes, like the current ones, when the average profitability of bank deposits over a twelve-month term is at levels of 0.11%, According to the latest data provided by the Bank of Spain, this is the opportunity to improve these intermediation margins. As a result of the lowering of the price of money by the European Central Bank (ECB) and which has led to the money supply being at levels of 0%, at historical lows. The good news offered by the financial market is that through truly innovative and original proposals, official returns of money can be overcome with some ease.

Fintech banks: higher interest rates

Las entidades fintech o los bancos móviles están cambiando el modelo de comprensión de las relaciones comerciales con los clientes. En su oferta actual ofrecen distintos depósitos a un plazo de entre 6 y 12 meses que originan un interés cercano al 1,50%. Absolutamente exento de comisiones y otros gastos en su administración y que se pueden suscribir desde montos muy asequibles para todos los hogares, from 1,000 euros.

Through a fixed and guaranteed profitability during its period of permanence. With fertilizers what can be generated quarterly, semi-annually, annually or at maturity, depending on the models made by these entities. It consists of an upward trend in what emerges as a real competition to the traditional banking offer. In most cases, channeled through the different technological devices. By way of example, mobile phones, tablets or other technological tools from which we operate in the investment or to contract the different products intended for savings.

Savings: invest in gold

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As financial analysts warn, this will surely be a difficult year for international stock markets. An alternative to this scenario is represented by investment in gold, which is one of the safe haven values par excellence in times of greater volatility in financial markets. Together with others raw Materials, positions can be opened from financial digital platforms, as an example eToro, and that stand out for the diversification of their investments.

For this purpose, the price of the yellow metal in the first month of 2019 has appreciated around 4%. Above the interest caused in the derivative products of the fixed and variable income markets. The latter, with an average revaluation of the main stock indices around 3%. It can become a real and effective alternative as long as it does not deviate from the current upward trend that marks this important financial asset. As a safe haven against possible divergences in international equity markets. With a very high growth potential and in any case above the rest.

Debt reunification

A very effective system to increase the profitability of savings is based on the regrouping of the debts generated before the banks. Coming from contracting lines of consumer credit, mortgages or credit cards. Es una estrategia que en sí misma no ofrece ninguna remuneración al client. Pero con lo que se puede disminuir el coste de las cuotas mensuales que incorporan todos los productos bancarios contratados.

So that from this dynamic, its holders have more liquidity each month and have greater purchasing power to manage their personal accounts. This alternative can be channeled from platforms that intend to offer financial solutions for companies and individuals. Although it is not an investment element as in the rest of the financial proposals that we are offering you, at least it constitutes a clear alternative to contain expenses above other types of considerations.

Subscribe a corporate promissory note

The last of the alternatives to get extra money each year is to contract the so-called company promissory notes. They come to offer higher interest rates than risk-free alternative investments. At levels that range between 4% and 8% approximately and that in any case it will be necessary for the issuance of these products to be registered with the National Securities Market Commission.

This option, on the contrary, has its biggest drawback as it is an investment product less known by small and medium investors. And, therefore, they do not know very well what their mechanics are like and how they really work. To the point that they have serious problems hiring them from now on. Even though they are actually very simple to process and manage if you have a slight learning in their markets. But it can be a very profitable option if you know how to select the moment for its formalization. Beyond other technical considerations and perhaps in addition to your arguments

High paying accounts

This banking product comes to offer up to 5% in some formats developed by banks. With the requirement to domicile the payroll or ordinary income of the self-employed. Like a good part of the household bills (electricity, water, gas, etc.). At the same time, these types of accounts are marketed free of expenses in their administration and offer total flexibility to manage their movements.

This class of banking products has the great utility that they are still allowed with a total liquidity in your checking or savings account. At the same time, you can increase your balance based on your real opportunities based on the income you have each month. From this point of view, it is a very comfortable product for your personal or professional interests due to the high flexibility offered by this class of high paying accounts and which will help to improve the interest offered by your frequent bank.

Individualized savings plan

Nor can you ignore going on your own when planning your savings. In practice, this means that it is very convenient for you to decide the contributions to import in order to create a stable savings plan. medium and long term. Donde la seguridad y estabilidad de tu dinero debe primar sobre otras consideraciones más agresivas que pueden afectar el cumplimiento de este tan deseado target por tu parte. Por otra parte, no puedes olvidar que su principal ventaja radica en que puedes realizar rescates en cualquier momento. Están en formato parcial o total, indistintamente y sin limitaciones de ningún tipo.

Aunque por el contrario, consiste en un modelo de ahorro que está destinado a persons de cierta edad y que en cierta forma ya están pensadas en el momento de su Retirement. Como opción a otros productos más encorsetados que requieren una mayor disciplina en las aportaciones que realizan los usuarios. Sea cual sea el caso, debe ser usted quien decida si conviene suscribirse a este tipo de instrumentos financieros. En lo que constituye una oportunidad que tienes a la mano en estos precisos momentos.

More aggressive solutions

Finally, you must also take into account the more sophisticated investment products that can help you earn more money, but at the risk of losing some of your monetary contributions. If you decide on this option, you will have no choice but to allocate a minimum capital to these products. Exactly because of the risks involved in hiring them and in this sense you should consider what your level of involvement in them is. In most cases, they are linked to the equity markets with everything that this relevant aspect entails.

Para que por último logres tu objetivo deseado de que al final del año el saldo de tu cuenta corriente sea mayor que antes. En mayor o menor medida en función de los intereses acumulados mes a mes. Sabiendo en todo momento que debes renovar tu cartera de inversiones en función de la situación de los mercados financieros y además de la evolución de la propia economía. Para que al final puedas llegar al mejor puerto donde puedas optimize tus ahorros.