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One of the advantages that investment funds offer us is that we can select different models for their administration. To the point that we can also select different financial assets in this financial instrument. But on the contrary, it can also create an obstacle in the elections. It is not surprising that investment funds have a more than numerous representation with respect to the offer they make to investors from all over the world.
Within this product there is no doubt that we can opt for equities, fixed income, monetary or any alternative investment. Of course does not offer limits in the decision you must make from now on. Beyond another series of other considerations of a technical nature and perhaps also from the point of view of their arguments. But they go further, coming from various management companies, both national and outside our borders. You can also choose active or passive management models.
So that you do not have problems managing your next investment fund portfolio, we will advise you to make one. basic wallet con los formatos que debes incluir para alcanzar una rentabilidad por encima de la media. Sea cual sea el caso, será una inversión diversificada en la que vas a poder afrontar las turbulencias que puedan surgir en los mercados financieros. Con el fin primordial de preservar tu capital personal por encima de otra serie de consideraciones, mientras cada año obtienes un retorno de los ahorros de toda tu vida.
Investment funds: equities
It is a part of the investment that you cannot forget in any case if you need to improve the performance of your money. It is true that these investment funds carry more risk, but that it is necessary to take charge to raise the interest at the end of the month. With regard to these funds, the best option is represented by an international equity fund that to diversify these financial assets. In this regard, a combination of the European and North American stock exchanges can be a great idea to boost the balance of your savings from now on. From this dynamic, you will not deposit your money in a single stock or financial market.
While, on the other hand, this investment idea has the advantage that it can make improve the annual interest of the investment. Combine different financial markets for the same investment product. If you want a higher risk point you can undoubtedly put a minimal stake in the so-called emerging markets. They are the most profitable, but also where you can drop a lot of euros along the way. Therefore, your investment should not be very expansive, but rather limited and under the control of your management in investment funds.
Fixed income: which one to select?
It is another financial asset that can cause you more headaches when making your choice. A great idea is that you do not limit yourself to the debt of a single country, but that you diversify it through a wide selection of areas where you can achieve a good return. In this regard, the advantage you have at the moment is that you have investment funds of all kinds and nature. Go to those who have a greater diversification in their offer. Is the best antidote to limit potential losses that can be generated from this investment.
Por otra parte, además es muy útil que optes por una administración activa más que pasiva que tenga como principal target protect you from moments of instability in this type of financial markets. So that from this dynamic, profitability can be improved little by little since through this investment model the interest ratios are not as high as in the equity markets. Therefore, it is a type of investment that is more intended for the medium and long term in its permanence. Because do not forget that these formats are not risk-free as some small and medium investors believe.
Monetary models
It is another basic part of what a rational and balanced portfolio of mutual funds should be. Even though their contributions will be lower than those of the rest of the investment funds. Because whatever the case, you should know that the risk is very large due to volatility in the currency exchange and that leads to very important differences. On the other hand, you cannot forget that a variation in the currency will generate a commission that can harm you in the investment that you are going to make from now on.
The most advisable thing in these cases is that you opt for monetary investment funds based on the euro. It is the best way to protect your interests within these financial assets. It is true that profitability will be practically minimal, but at least you will not lose money and you will even be able to compensate for the losses generated by the remaining investment funds. It will be enough for you to contribute a minimum amount to the fund so that you can diversify your money again through different investment models. After all, it is one of your main objectives as a small and medium investor.
Alternative investments
It must also be part of the investment fund portfolio of the holders of this product. But in this circumstance with also minimal contributions due to the risk involved in the operations. In this regard, another of the ideas is shaped by the fact that you combine the chosen financial assets with another part of fixed or variable income depending on the profile you present as an investor. To limit the volatility that present these models in investment that are more aggressive.
You can hire different funds, from based on real estate assets to those who base their offer on raw materials or precious metals. All of them can be very profitable if the evolution of their prices develops in accordance with the expectations created. But where the risks are always latent and therefore what you have to do is protect yourself from any unwanted moment in the financial markets. You can earn a lot of money, but on the other hand you can also leave a lot of euros on the road. And this is a factor that you should anticipate before hiring.
International equity funds
Almost all categories showed growth in recent months. The international equity funds stood out which, after the good results obtained by most of the world stock indices, increased its volume of assets at 1,275 million euros, according to the latest data provided by the Association of Collective Investment Organizations and Pension Funds (Inverco). Where it has been shown that in the first half of the year they have a growth of 1,768 million euros.
Despite everything, it is the fixed income investment funds that lead the ranking of accumulated growth in the first half of the year, with an increase of more than 7,000 million euros. Whatever the case, most of this growth corresponds to the net subscriptions of the members, whose investment preferences have been directed to this type of fund in the first six months of the year. In a trend that has been repeating in recent months depending on the evolution of financial markets, both variable income and fixed income.
Subscriptions and refunds
After them, mixed equity funds are the ones that experienced the highest growth in 2019 (3,769 million more than in 2018), even though in percentage terms they lead said growth with an increase of almost 16% compared to December 2018, according to information. by the Association of Collective Investment Organizations and Pension Funds. In this circumstance, all growth is found to have its origin in the revaluation of their portfolios by market effect.
After the international equity funds, the global ones are the ones that have experienced the highest growth in June with almost 893 million euros. In the first semester of the year they accumulated an equity increase of 2,666 million euros. On the contrary, absolute return funds led the equity declines for the month and 2019, and reduced their volume of assets in the first half of the year by just over 2,241 million euros (15.5% less than in December 2018 ).
Investment funds derived from national equities also experienced a decrease in their assets (due to the amortizations experienced by the category) in June of almost 35 million euros. For the year as a whole accumulates a decrease in equity of 601 million euros. With regard to flows, investment funds presented in June a flat behavior and recorded net amortizations of 12 million euros. In the year as a whole, they accumulate net reimbursements amounting to 387 million euros.
