What are the contributions of mixed funds?

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The background of investment It is one of the most plural products made in the investment sector. One of them are the so-called mixed funds, which can become a clear alternative to the current situation of the financial markets. One of the greatest contributions of this financial instrument is that it combines fixed income with variable income without having to change the investment model. Either way, it is one of the opportunities you currently have to make profitable savings with greater or lesser success.

It is one of the models preferred by financial analysts at this precise moment to maintain a more defensive position against the markets. Not surprisingly, they tend to decrease its weight in equities y por otra parte, las duraciones en la parte de renta fija se reducen por los riesgos de subidas de tipos. Pero be cual sea el caso, no en todos los escenarios su contratación resulta muy beneficiosa para los pequeños y medianos inversores. Hay que saber tener acceso sus posiciones y especialmente el momento adecuado para abandonar e tener acceso a otros formatos de inversión.

Composition of mixed funds

The so-called mixed funds have a very diverse composition since they start from different financial assets. They are generally made up of assets of, fixed and variable income. But without losing other alternatives, as occurs by way of example with monetary assets or even in the most innovative models with investment denominated as an option. So in the end the balance is much higher than in the rest of the models provided by investment funds.

¿Qué obtiene al aplicar esta strategy de inversión única? Bueno especialmente que tienes el ahorro more diversified than before. This factor generates that you have greater protection in the scenarios not desired by the financial markets. Especially when instability in the stock market is their common denominator and that makes market positions very complicated for all investor profiles. This is one of the main reasons why they are very suitable for periods when trends are not defined.

Losses are more controlled

Another characteristic of mixed funds is that, especially, losses are usually controlled and are usually good portfolio mixers. Not surprisingly, they don't offer the excellent returns of equity-based mutual funds, but at least they make it possible to moderate losses when market conditions are undesirable. On the other hand, this class of financial instruments can be actively managed by administrators in order to significantly reduce risks. Above other strategies that you can use today.

Desde luego, no es un modelo de inversión novedoso, al contrario, lleva muchos años vigente. Sea cual sea el caso, es en los últimos años donde han tomado un mayor protagonismo. Entre otros motivos porque se trata de una forma muy sencilla de agrupar la renta fija con la renta variable. Sin tener que realizar ningún movimiento en los mercados dado que es un briefcase de inversiones que los intermediarios financieros diseñan para ti. Donde puedes select from many models and with all kinds of compositions. Many more than you can believe from the beginning. At the end of the day we are talking about investment funds with what that entails.

With investment diversification

This is one of its most pronounced common denominators. To the extent that mixed funds are a good complement for our wallets. This is because they make it possible to delegate a part of the investments to a greater or lesser exposure to equities, currencies, etc. Or even take tactical positions or invest in assets that we may not use most of the time. Because if these financial instruments are distinguished by something, it is because of the high diversification that their management models have. It is something you should know if you are going to hire one of these formats from now on.

On the other hand, mixed funds are more profitable in the longer periods of permanence, where the results of this type of portfolios tend to show a more solid consistency. Inclusive generates value to positions of investment portfolios. Unlike other types of investment funds that are more limited, even though their objectives are much more defined. In this case, there are many variables that determine their profitability, so they move under much more modest profit margins than in equity funds. Even when higher than those generated from fixed income.

Various models according to the client

Within them different options are detected according to the investor's profile and your needs. Even though in most cases they are a great alternative for moments like the current ones. Where the stock market does not have a very well established trend and periods of volatility are developing that are very dangerous for the purchase and sale of shares in the stock market. And it is at this point where mixed mutual funds can be most effective. At the same time, you can select different models based on your investment identity: moderate, aggressive, intermediate or any other.

On the other hand, and in the same way that it happens with other investment funds, in these you can choose by active or passive administration. In other words, why you can renew them little by little depending on the new market conditions. In spite of everything, this decision will depend mainly on the risk that you can take on from now on. Because, by way of example, those of active management imply that your investment portfolio will gradually adapt to how the financial markets are doing. To the point that it can even benefit from the most adverse scenarios for equity markets.

For more defensive postures

There is a factor that you should be very clear from now on and that is that this class of investment funds are above all indicated for adopt some more defensive positions That up to now. This in practice is based on the fact that you will not have a more powerful performance in your financial contributions. Although on the contrary, you will overcome the weak returns offered by bank products at the moment (time deposits, bank promissory notes and even high-income accounts). In all these cases it moves in a very narrow range that goes from 0.25% to 1.50%. With which it can be much more profitable to hire a fund of these characteristics to meet your closest objectives.

From this general scenario, another aspect that must be considered in mixed funds is that they can have more expansive commissions than in other financial instruments. For example, in the purchase and sale of shares on the stock market, exchange-traded funds or the different derivative products. Nails in commissions that can reach up to 2% on the invested capital. Even though this expense can be avoided with the formalization of mixed investment funds that are of national origin. Not surprisingly, they have more affordable interest rates for all households.

Another aspect to value with this class of financial instruments is that they never guarantee a fixed return like other investment funds. If not, on the contrary, everything It will depend on the conditions of the financial markets.. To the point that you can even leave a lot of euros on the road, as has happened these years with funds of these characteristics. Because although its profitability has been high in recent years, this does not necessarily mean that it should be repeated in the coming years. Not much less since it is an obvious risk that you must take charge when hiring these investment products.

And in summary, mentioning that always good advice can help you achieve the objectives set from the beginning. It will cost you nothing and there will be many contributions that this service will generate from now on. From your frequent bank you will get from this service in which there will be no shortage of proposals so that you can invest your money in the coming days. And from this dynamic, you can combine fixed income with variable income. Which is at the end of the day what it's all about.