How to create a savings plan through the stock market?

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It has always been believed that investing in the stock market is designed to quickly make savings profitable. And the shorter the deadlines, the better for your interests. But there are other ways or strategies to trade in the stock market, which can even serve to develop a savings plan for the coming years. No es tan común emprender este camino en renta variable, pero be cual sea el caso te lo enseñaremos en este post, por si buscas mantener estas tácticas en tus inversiones.

Actualmente es mucho más difícil desarrollar esta strategy debido a la volatilidad que han presentado los mercados financieros en los últimos años. No obstante, si los expertos del mercado de valores están de acuerdo en una cosa, es que in the long run you always make money in the stock market. This premise is not always achieved, especially with the more complicated securities that are listed in the main international indices.

Sea cual sea el caso, existe más de una alternativa para crear un fondo de ahorro a partir de la Bolsa y poder disfrutarlo en varios años. Con un target muy bien definido, y que no es otro que sufragar los gastos de algún capricho personal de cierta importancia: comprar un coche o moto, un viaje especial para pasar las vacaciones, o inclusive reformar la vivienda. If you apply a very clear line of action, you will be able to achieve your goals. Even when it imposes a strong discipline in its movements in equities.

Opt for defensive actions

Until a few years ago, and before the great economic crisis was generated in good part of the point, there were a series of values that were called piggy banks. This was so due to the fact that they maintained a deep stability in the quotation of their prices. Its revaluations were not spectacular at all, moving on very narrow margins. But what over the years they have made it possible to achieve small returns to the savings invested.

Its components come from the most defensive sectors, with few surprises in its income statements: food companies, electric companies and even a few small banks. Your stocks are more likely to benefit the savings of retirees and, ultimately, small investors who do not want to suffer shocks in the stock market. And they opt for the safest models to invest. And these constitute one of the best formulas to create a savings bag in the long term, or at least in the medium term.

Through this special investment strategy, it is not difficult to develop a savings fund for the next few years. However, it is increasingly difficult to detect values of these characteristics, much less that they do not suffer significant drops in the investment procedure. However, these values still exist. They are very boring on their date. and the incentives to take positions in them are not really attractive. Not surprisingly, they tend to develop very short moves in trading sessions. With minimal variations in their prices.

Your main strategy with these types of values should be aimed at Carry out profitable operations in the medium or long term around approximately 3%.. With this, you would have the necessary liquidity to meet certain expenses in a few years. Whatever the case, you should not follow them regularly as in short-term trading, but detach yourself from their deep monitoring. Anyway, as long as nothing important happens in the company, that would be the excuse to undo your positions in the stock market.

Saving through dividends

The simplest and most profitable way to satisfy this desire to start a savings exchange has its best scenario in dividends. Not in vain, can get average returns every year around 5%, more in the values more generous by this distribution than the companies with their shareholders. You can collect them in various ways, quarterly, semi-annually or annually, depending on the remuneration policy of the company.

Es una estrategia muy común entre los pequeños inversores optimize sus ahorros de forma óptima para sus intereses. En realidad, a fixed income is created within the variable. And with a profitability higher than that currently offered by the main savings products (deposits, bank notes, bonds, etc.), which rarely exceed the 1% threshold.

It is money that will go directly to your checking account every year, without having to wait to close the positions in equities. And that they will give it to you regardless of its price on the bags. You can even afford to lose on the stock market, which you will always counteract with the collection of this payment. More and more investors are betting on this investment model to make their assets profitable.

You will conclude that you will be able to get a good bit of your savings after many years. You just need to take a calculator and make calculations on your earnings for ten years. Few investment designs give you this return. And the best of all fully guaranteedregardless of the evolution of its shares in the markets. It may be that you are interested from now on importing this savings model provided by the shares.

Investment fund portfolio

Another option that you have today, and under very practical approaches to your interests, comes from these financial instruments. You have the great utility that you can even select the format: fixed, variable, mixed or even alternative composition. You just have to find the key that suits your profile as a saver. And based on this, design an investment portfolio that can be very profitable for the next few years.

You will be facing a product, such as investment funds, which are especially designed to keep them for several years, and not as a one-time investment with faster movements. For that, it already has operations in the stock markets. And you can even find some funds that also pay dividends between the members. Even though they will not be in many and models, and in any case for amounts less suggestive than those obtained through their operations on the Stock Market.

Through this investment model you will be making a permanent savings bag, and that you will even be able to manage with a excellent tax treatment. Through transfers between investment funds, which you can make unlimited and without any economic cost. Update the portfolio based on the events that take place in the economy: economic growth, interest rates, inflation, etc.

It is true that through equity funds the profitability will be higher. But with greater risk in operations, since do not guarantee any interest. And you can even lose money if its evolution is not as desired. The best way to protect savings is to diversify them through different types of products. And whatever the case, you should not invest them in a single investment fund, no matter how stable it is. It is another risk that you may be tempted to at times.

Stock baskets in deposits

Term deposits are also linked to equities in some formats made by banks. As a strategy to boost your profit margins. But in this circumstance it is much more difficult to design a multi-year savings exchange due to the permanence of these banking products. Most repositories of these characteristics provide some Duration periods rarely exceeding 4 or 5 years.

If your goals are not so demanding, and you settle for the medium term, they may be another option that you can choose to make your savings profitable. Even though for this, certain requirements must be met in the quotation of these baskets of shares. Some frankly complicated to comply with. If the objectives are not achieved, you will have a guaranteed interest in all cases. But very little suggestive, since it does not exceed 0.50% per year.

The keys to boost your wealth

It is the great goal of small investors, but their wishes are not always fulfilled. If you do not intend to make mistakes that lead you to unwanted situations, you will have no choice but to apply a series of recommendations that will be of great advantage to you from now on.

• Look for the products that better protect your savings in highly volatile scenarios, even when its performance is significantly lower.
• Run away from hiring a single financial instrument, trying to give several solutions to your money. And what better way to achieve this than by diversifying investments.
• It is not totally necessary that you invest your money in stocks., since there are other very competitive products that are far from these markets.
• Invest exclusively the money you won't need for a long time, so that from this dynamic you do not have to perform bad operations before a need in your personal accounts.
• Try to find some financial design that is adapted to all economic scenarios, from expansive to clear recession. You will be calmer with these models, which is not little.
• Para las persons mayores será recomendable que estos fondos de ahorro sirvan para supplement your pension, so they can have greater purchasing power in their golden years.
• Do not try to excessively rush the profitability of these products, since they can induce you to unwanted situations, even to subscribe highly complex investment models.