Savorists should control your financial and investment situation regularly to guarantee a good future. And one of the best moments to do it is mid -year, when The second semester starts. At this point, you have to take into account three tips, specialists agree.
1- The importance of diversification in investments
Diversify, that is, “Put the eggs on different baskets”It is key when building an investment portfolio, especially in Argentina.
A few months after the legislative elections, stock and exchange volatility could increase, so experts advise to include financial assets from all over the world.
“Many people are concerned about their investments for the elections in a few months. It is always good to remember that, if one invests in many countries, diversifying throughout the world, their savings do not depend on how elections come out,” said the financial planner Jonatan Kon Opel.
“If you are investing for important objectives such as one day not to depend on your work to keep your lifestyle or arm your own retirement, you should not leave your savings to the fate of elections. You should invest them safely, and invest throughout the world is part of that,” he added.
2 – Be careful with debt
On the other hand, the beginning of the second semester is an ideal time to regularize the debt situation, especially because the payment of the bonus medium comes.
According to the advisor Mariano Pantanettiyou must start analyzing liabilities and seeing the Total financial cost (CFT)not the annual nominal rate.
“You have to evaluate the debt that is generally expensive in terms of total financial cost and cancel. For example, credit card debt, in addition to the fee, has taxes on seals, in some provinces it has life insurance, it has a lot of extra expenses that when you add everything gives you a total financial cost of sometimes 80%or 90%. In an inflation scenario of 25%, it is a expensive debt. Then, it would cancel it.”
3- Determine which financial assets fit your investor profile
And after canceling debts and aiming to have a diversified portfolio, investors would have to choose vehicles and financial assets that are compatible with their risk profile and tolerance. In this context, the consultant Martina del Giudice provided three alternatives:
“Being conservative, I suggest going to a Common Lecaps Investment Fund. These have liquidity in 24 hours and assure you a fixed rate in pesos, slightly above inflation. If, in addition, the dollar is firm or with a downward trend, it ends up translating into a gain in dollars, ”he said.
For more moderate profiles, He stressed that “an alternative is always Buy Dollar MEP and subscribe to a common investment fund in dollars that aligns at this risk. For example, one of negotiable obligations with a fixed rate in dollars. “
And if you want to be a little more risky and also get coverage in hard currency, “It can always be dollarized by buying a yield, obtaining variable income and dividends throughout the year.”he concluded.
Source: Ambito
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