Criteria for making a transfer between investment funds

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One of the most favorable operations for the interests of small and medium investors is materialized through the transfer between investment funds. Not only can it be a very profitable move, but it doesn't cost a euro a los integrantes de este instrumento financiero. Siempre y cuando sean de la misma entidad financiera, be la que sea. Por otra parte, con esta strategy especial, los ahorradores evitarán pagar cualquier impuesto por los beneficios acumulados durante todos los ahorros. Decididamente en caso de que los hubiera. Hasta que se realicen los rescates oportunos, total o parcialmente.

Transfers between mutual funds is an operation open to all investors, without exclusions of any kind. It really does not matter if they are fixed income, variable, mixed, alternative or other funds. Not in vain, you can direct to any financial asset on which the investment fund is based. To the extent that it represents a clear advantage over other financial instruments, including some very similar to investment funds themselves. Where the important thing is that through the exchange of funds the profitability of your investment proposals is improved.

Sea cual sea el caso, debes guiarte por criterios más o menos objetivos si necesitas alcanzar este target en las operaciones. Es muy importante que lo apliques with some discipline so as not to fall into possible mistakes that could make you lose more money than expected in this financial instrument. Because at the end of the day what this procedure entails is that you have a much more powerful investment portfolio for the next few years or to what extent you intend to close the positions yourself. Because as you already know in investment funds you can undo positions at any time, without limits of any kind. Unlike warrants or exchange-traded funds, where you will have no choice but to wait for expiration dates.

Requirements to make transfers

Any transfer between investment funds must meet the minimum requirements to be completed correctly. First of all, it will be absolutely necessary for the funds to be deposited with the same financial institution. Subsequently, the operations are carried out on the same financial instrument, in this circumstance on investment funds. And third and last that there are no partial or total sales on them. If you meet these requirements, you will be in perfect condition to make a transfer between your investment funds.

Whatever the case, you can take a double strategy. Reorient your investments partially or completely. In other words, you can transfer some of your investment funds or, conversely, modify your entire investment portfolio. This decision will simply depend on what your objectives are, but fundamentally on the profile you present as a small and medium investor. In other words, depending on whether you are an aggressive, intermediate or conservative saver. Depending on this important parameter, I would choose one or the other investment fund. It is not surprising that it has a wide range to select from, as it is one of the most prolific financial instruments on the market.

First key: diversify

To make a transfer between mutual funds correctly and efficiently, the first golden rule is not to transfer to a single investment fund. This should not be done under any circumstances since it is a mistake that you can pay dearly from now on. You must develop it in several investment funds, but what is more important, that they contain various financial assets. Between variable income, fixed, alternative or monetary funds. Unsurprisingly, you have a lot to choose from and you need to spread your money fairly to protect yourself from the most adverse scenarios in the financial markets.

In another order of things, this selection must be formalized under a equity criterion. In other words, don't overly promote one financial asset over another. This is one of the keys to the success of your operations in the investment sector. Above other technical considerations and perhaps even from a fundamental point of view. Don't forget if you don't intend to have a negative surprise from now on. Because it is one of the most common mistakes investors make.

Second key: different assets

Definitely directing all your savings to fixed income funds, for example, is not a good idea. Not much less. It is convenient to distribute them among products of different nature so that they can be complemented correctly. Especially in the worst moments of the financial markets. In a proportion that is adequate and that will be determined by the investment model you have at that time. In this regard, there is no doubt that you have many strategies to employ and all of them very valid from any point of view.

On the other hand, you can improve a certain financial asset based on its growth expectations in operations. In other words, if you are more aggressive, you should delve a little deeper into equity-based mutual funds. Conversely, if you want to protect your money over other considerations, the answer may be to make your money or bond funds even better. At the same time, in this regard, banks can help you make the decision by incorporating model investment portfolios that you can replicate in all their intensity.

Third key: safe positions

If you basically want to protect your positions through this investment medium, you cannot forget to select a monetary Fund. Decidedly, its profitability will not be very exciting, but at least you will have the guarantee that there will not be great variations in the amount of your savings. It is a very practical idea in scenarios that are not very rewarding for the financial markets and where you can lose more money than you initially think. In this regard, if you are a defensive investor, there is no doubt that a monetary fund should not be missing in your investment portfolio.

It should also be remembered that it is very effective that you back your investments through investment funds that are reliable and that are backed by the status of a good manager. This factor is more important than you think, since it is a strategy that can give you much more income than you think. It is not surprising that there are some international fund managers that have very competitive funds and that offer very practical returns every year. That's where you should direct your money from now on if you want your investment portfolio to run smoothly or at least be a little more in control.

Fourth key: investment terms

It is also very important that you take into account what expiration period de sus fondos de inversión. Debido a que dependiendo de esta importante variable, deberás de seleccionar unos productos u otros. No tendrás más remedio que decantarse por esta estrategia de inversión única puesto que serán mucho más efectivas y vas a poder rentabilizar tu dinero de una forma más óptima que antes. Debido a que en efecto, te ayudará a mejorar tu positioning en los mercados financieros y por encima de otras estrategias más convencionales o tradicionales.

In this regard, a very practical system is to opt for intermediate periods of permanence so that you can adapt to all kinds of scenarios, even the most unfavorable. You should also know how to opt for an investment fund that has a faster resolution. In case you need the money for any financial need and you can make some type of partial or total sale to recover part of your money. Not in vain, keep in mind that there are products that have these characteristics.

Fifth key: active administration

It will be very important that a good part of the management of your investment funds is carried out under this characteristic. It will definitely be one of the best strategies to adapt to all kinds of scenarios, without you having to do anything. The manager himself will take care of choose the best financial assets in every moment. To the detriment of passive administration, more advisable in bullish periods in financial markets. You can also opt for these two investment models in your portfolio of funds.

On the other hand, active management enables you to be much more flexible in your investment approaches. Even when on the contrary, they tend to have commissions that are generally more expansive due to the characteristics of the product itself. At the same time, it can have a longer course with respect to its duration since it is indicated for both bearish and bullish periods, indistinctly. To the point that their performance can be superior in all the terms to which they are directed. If this idea matters, of course things can be better from this point on. Whatever profile you present.