{"id":128522,"date":"2022-09-15T16:57:03","date_gmt":"2022-09-15T14:57:03","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/como-elegir-un-fondo-de-inversion\/"},"modified":"2021-04-11T17:09:21","modified_gmt":"2021-04-11T15:09:21","slug":"como-elegir-un-fondo-de-inversion","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/","title":{"rendered":"How to choose an investment fund"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/#Fondo-de-inversion-comisiones\" >Investment fund: commissions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/#Administracion-de-fondos-activa-y-pasiva\" >Active and passive fund management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/#Renta-fija-o-variable\" >Fixed or variable income?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/#Seguimiento-de-fondos\" >Tracking funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/#Elija-otros-fondos-de-inversion\" >Choose other investment funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/como-elegir-un-fondo-de-inversion\/#%C2%BFComo-identificar-los-fondos-mas-adecuados-para-mi-perfil\" >How to identify the most suitable funds for my profile?<\/a><\/li><\/ul><\/nav><\/div>\n<div>\n<p><picture class=\"alignnone wp-image-19097 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-300x196.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-1024x669.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-830x542.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-400x261.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-459x300.jpg.webp 459w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20836'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='paper-3190198_1280-2232578' width='1280' height='836' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-300x196.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-1024x669.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-768x502.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-16x10.jpg 16w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-19097 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-300x196.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-1024x669.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-830x542.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-400x261.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/paper-3190198_1280-459x300.jpg.webp 459w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='paper-3190198_1280-2232578' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578.jpg' width='1280' height='836' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-300x196.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-1024x669.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-768x502.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/paper-3190198_1280-2232578-16x10.jpg 16w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript><\/p>\n<p>Most investment categories posted net outflows in November. This classification is headed by the Mixed Funds, which experienced net amortizations in the period amounting to 451 million euros, entirely due to the Mixed Fixed Income. In the accumulated of the year, the Mixed Funds present some <strong>net inflows<\/strong> worth 2,162 million euros<\/p>\n<p>Opposite case, <strong>Guaranteed funds<\/strong> they led the ranking of net subscriptions for the month of November with 252 million euros and accumulated 266 million euros in the year. The Euro Variable Income (excluding Spain) registered net subscriptions worth 83 million euros in the month, accumulating 1,075 million euros of positive flows in the year, according to data provided by the Association of Collective Investment Organizations and Pension Funds ( Inverco).<span id=\"more-19094\"><\/span><\/p>\n<p>Within what investment in financial assets truly is, investment funds will invest their assets based on several parameters that we expose below:<\/p>\n<ul>\n<li><strong>Liquidity: <\/strong>It will be of special importance that they have this characteristic in the assets that are invested through this financial instrument.<\/li>\n<li><strong>Risk diversification: <\/strong>It will be the strategy used to limit exposure to different markets or financial assets.<\/li>\n<li><strong>Transparency: <\/strong>They must be reflected through the brochures issued by investment fund managers.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Fondo-de-inversion-comisiones\"><\/span><span id=\"Fondo_de_inversion_comisiones\">Investment fund: commissions<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone wp-image-19098 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-450x300.jpg.webp 450w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20853'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='coins-1726618_1280-1-9424619' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-900x600.jpg 900w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-19098 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-1024x682.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-830x553.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-400x267.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/coins-1726618_1280-1-450x300.jpg.webp 450w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='coins-1726618_1280-1-9424619' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619.jpg' width='1280' height='853' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-1024x682.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-768x512.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/coins-1726618_1280-1-9424619-900x600.jpg 900w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript><\/p>\n<p>Being a product intended for investment, it will be very important to analyze the cost of its hiring. It represents the commissions of this product, which are characterized by being many and diverse in nature, even though it must be explained that it does not apply in all cases. These expenses involve outlays that vary <strong>from 0.50% to 2%<\/strong> approximately and that will depend on many factors, such as the type of investment fund that is contracted and the manager&#039;s policy. Whatever the case, these are the main commissions that can be charged for this financial instrument.<\/p>\n<ul>\n<li><strong>Administration and deposit fees<\/strong>: are those charged by the administrator and the depositary, respectively. They are characterized because they are already discounted from the fund&#039;s liquidation value. Therefore, you will not notice your expense as much as in other commissions.<\/li>\n<li><strong>Subscription fees and money back<\/strong>: in this case, they can be in favor of the manager or the fund itself. Unlike the previous commissions, these are explicit, or what is the same, they are charged to your savings account at the time of formalizing the subscription or refund of the money. They are not so common that you apply them, but whatever the case they are more demanding than those of the first group. Reaching up to 2% in some of the investment funds.<\/li>\n<\/ul>\n<p>On the other hand, there is also the opportunity that they will charge you some expenses for <strong>change investment<\/strong> from one compartment to another. In other words, within the same fund, even though the percentages are not very significant.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Administracion-de-fondos-activa-y-pasiva\"><\/span><span id=\"Gestion_activa_y_pasiva_del_fondo\">Active and passive fund management<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Another aspect that you should pay attention to when hiring a product with these characteristics is the <strong>driving type<\/strong> that is done in him. It can be active or, on the contrary, passive, and its difference lies simply in the management of its issuers. With substantial differences from one model to another. With regard to active management in investment funds, the most important thing is that the portfolio of financial assets can be adapted to any economic scenario, even the most adverse for financial markets. In other words, you can achieve profitability from your operations in any circumstance.<\/p>\n<p>Passively managed funds, on the other hand, can be said to be <strong>more static<\/strong>. Or what is the same, they do not suffer variations with respect to the new variables that appear in the economy and more specifically in the financial markets. Both in fixed income and in the variable or even from alternative models. If everything goes according to the expectations created, it is better to hire passive funds. You should let the profits run until this trend is exhausted. They will also vary depending on the profile of the small and medium investor.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Renta-fija-o-variable\"><\/span><span id=\"Renta_fija_o_variable\">Fixed or variable income?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone wp-image-19095 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-300x212.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-1024x724.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-830x587.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-400x283.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-424x300.jpg.webp 424w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20905'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='dollar-544956_1280-8186661' width='1280' height='905' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-300x212.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-1024x724.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-768x543.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-16x12.jpg 16w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-19095 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-300x212.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-1024x724.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-830x587.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-400x283.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/dollar-544956_1280-424x300.jpg.webp 424w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='dollar-544956_1280-8186661' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661.jpg' width='1280' height='905' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-300x212.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-1024x724.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-768x543.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/dollar-544956_1280-8186661-16x12.jpg 16w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript><\/p>\n<p>This is the eternal question that investors ask themselves when formalizing one of these financial instruments. We will have to follow the trend set by the markets at all times and it will not always be the same. Either way, those based on shares are more likely to generate profits in the portfolio. Even when for the same reasons losing a lot of money in the positions generated. In other words, they originate a <strong>higher risk<\/strong> because with more volatile in all respects. Whatever the case, it also depends on the profile of its holders and even the terms of permanence that you are going to mark in the investment.<\/p>\n<p>Whatever the case, one of the advantages of this financial instrument is that it makes it possible to combine these financial assets without leaving the same product. This option is materialized through the so-called <strong>mixed investment funds<\/strong>. Where fixed income, variable income, monetary assets and other financial assets of any nature are mixed. This investment strategy achieves a greater diversification of investments. A factor that does not occur in other financial instruments, not even in the most aggressive ones.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguimiento-de-fondos\"><\/span><span id=\"Supervision_de_los_fondos\">Tracking funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Compliance by the Investment Funds with all the aforementioned regulations is supervised by the <em>National Securities Market Commission (CNMV),<\/em> what <strong>receive monthly information<\/strong>. The CNMV supervises the Investment Funds, SGIIC and Depository Entities, both remotely (through the information received) and on-site (conducting inspections through visits to supervised entities).<\/p>\n<p>Additionally, the SGIIC and the depositary entities must act for the benefit of the members of the Investment Funds, and must <strong>hold each other accountable<\/strong>. At the same time, the Custodian reaches the functions of surveillance and supervision of the administration of the SGIIC and must notify the CNMV of the incidents it detects.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Elija-otros-fondos-de-inversion\"><\/span><span id=\"Elegir_otros_fondos_de_inversion\">Choose other investment funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"alignnone wp-image-19096 size-full\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-300x225.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-1024x768.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-830x623.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-400x300.jpg.webp 400w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201280%20960'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='money-1339295_1280-4907320' width='1280' height='960' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-300x225.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-1024x768.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-768x576.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-16x12.jpg 16w' data-lazy-sizes='(max-width: 1280px) 100vw, 1280px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"alignnone wp-image-19096 size-full\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280.jpg.webp 1280w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-300x225.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-1024x768.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-830x623.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2018\/12\/money-1339295_1280-400x300.jpg.webp 400w\" sizes=\"(max-width: 1280px) 100vw, 1280px\"><\/source><br \/>\n<img alt='money-1339295_1280-4907320' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320.jpg' width='1280' height='960' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320.jpg 1280w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-300x225.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-1024x768.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-768x576.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/money-1339295_1280-4907320-16x12.jpg 16w' sizes='(max-width: 1280px) 100vw, 1280px'>\n<\/picture>\n<\/noscript><\/p>\n<p>You can not only subscribe to these funds that we have previously mentioned. But on the contrary there are others that can be very useful depending on the economic cycles. Among which the following stand out:<\/p>\n<ul>\n<li><strong>Monetary funds<\/strong>. They simply focus on the fluctuations of the world&#039;s major. From the dollar to the Norwegian krone, through the Swiss franc. These are funds that do not entail many differences in their valuation, but they are definitely not without risk, as has been shown in recent years. Whatever the case, they complement each other to form a powerful and diversified investment fund portfolio.<\/li>\n<li><strong>Mixed funds<\/strong>. They are those in which several financial assets are combined, such as equity and fixed income derivatives. In proportions that can vary depending on the level of risk that the investors themselves want to face. They are an excellent product to minimize risk and appear in the most relevant financial markets. With formats of all kinds and nature. In clear emergency in the demand of financial users for the simplicity of their contracting models.<\/li>\n<li><strong>Alternative funds<\/strong>. They are a more unknown format for small and medium investors and in which other types of investments are integrated. One of them is based on raw materials and that may have a greater potential for appreciation than in other investment funds.<\/li>\n<\/ul>\n<p>In all cases, these investment models are open to all geographic areas of the world, including the most exotic financial markets. There are no limits on its location and this is one of the advantages that investment funds have over other financial instruments. Carried out by a wide range of management companies that market these products to Spanish financial institutions. With different conditions in the hiring and also in the commissions and other expenses in its administration or maintenance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFComo-identificar-los-fondos-mas-adecuados-para-mi-perfil\"><\/span><span id=\"Como_identificar_los_fondos_mas_apropiados_para_mi_perfil\">How to identify the most suitable funds for my profile?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In view of all that we have previously mentioned, <strong>the variety of investment funds is very wide<\/strong> to be able to adapt to all types of profiles. Depending on my age, my income, my ability to save and the risk I am willing to accept, some funds or others will better suit my investor profile. To be able to orient ourselves in this regard, a good alternative is <a rel=\"nofollow\" href=\"https:\/\/www.finanbest.com\/test-de-idoneidad\/\">take a suitability test like the one offered by Finanbest by clicking here<\/a>. The way to use it is very simple, you just have to answer all the questions (your age, money to invest, income, savings, acceptable risk, etc.) for the platform to be capable <strong>generate an investment fund plan suitable for each user <\/strong>with the investment percentages in small caps, US equities, European equities, emerging country equities, fixed income. As you can see, it is very easy and it will only take you a couple of minutes to complete it.<\/p>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>La mayor\u00eda de las categor\u00edas de inversi\u00f3n registraron salidas netas en noviembre. Esta clasificaci\u00f3n la encabezan los Fondos Mixtos, que experimentaron amortizaciones netas en el periodo por importe de 451&#8230;<\/p>","protected":false},"author":1,"featured_media":128523,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-128522","post","type-post","status-publish","format-standard","has-post-thumbnail","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>C\u00f3mo elegir un fondo de inversi\u00f3n - R Marketing Digital<\/title>\n<meta name=\"description\" content=\"La mayor\u00eda de las categor\u00edas de inversi\u00f3n registraron salidas netas en noviembre. 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