Time of Aguinaldoa time that is always welcome, and without a doubt, (currently) a break. An opportunity to meet a relegated objective, pay outstanding debts or invest it thinking about the future.
Even an opportunity, perhaps for many, to take their first step in some personal finance healthier, learn about investments and start planning with intelligence. But how, in what and more … logically, they are the first questions that usually arise. And a last point that leads us to talk about the ABC of the investmentsand that you have to take into account when investing.
Among them, The profile as an inverter of each. Understand it and know it, specifically, you will make you “sleep peacefully.” You can know it quickly with some simple questions that go from the knowledge and experience you are, age and your income, how much you are willing to lose (asking yourself, for example, how you would feel before a loss), the time horizon that you could leave your investment and your need for liquidity -in other words, how important it is that you can quickly access your money to invest it, to need it.
On the other hand, and key, it will be your aim. I invested with a purpose, will allow you to make a difference in your planning and avoid wrong decisions. While as a third fact, we must mention the diversificationas a way of lowering the risk of your investment.
The six potential strategies to invest your bonus
Now, once your profile is identified, defined your goal and understand the importance of diversifying your savings, it was time to decide Where to invest. The alternatives are multiple, they go from less to more sophisticated, with different risks and currency, and recommended investment time, among other variables. Therefore, a first recommendation – specially, for those who begin – can be started with a Common investment fund.
Why FCIS? For some of the reasons mentioned until now. Among them, they allow diversification in different assets with a low amount, there are many options according to the goal, and are handled by professionals. A point no less for those who just start, or do not have time to be day by day on their investments (in times of volatile market, and in which active management generates value).
And if we do a double click, the next question is in which FCI. We leave you here different six strategies, according to the currency in which you want to invest, and your profile:
Conservative profile
FIXED INCOME T+0 (LECAPS). Currency: pesos. It is an alternative to Money Market, with immediate liquidity and better expected performance, which basically invests in Lecaps (Treasury Lyrics). The investment horizon is short term, and the average reference TNA is 34/35%.
Short -term fixed income at USD. Currency: dollars. Strategy that seeks to make these USD profitable with low volatility and liquidity, through active instrument management (public and/or private) of very short term. They seek to compete, specifically, with which it offers a fixed period to one year in this currency -but with the possibility of funds at 24 hours if necessary, and assuming market risk. Its orientation is of the order of 6%.
Moderate profile
Discretionary fixed income. Currency: pesos. These are funds that seek to maximize savings performance through a fixed -income asset basket, balanceing between different risks (sovereign, subsoberan and private) and coverage instruments. Here the tires-as a reference of performance-are between 34-36%. The recommended investment horizon stretches to the medium term.
Balanced USD Income. Currency: Dollar. Its objective is similar to the aforementioned fixed income FCIS, but basically with investments in fixed income in USD. Balance (as indicated by its name) between sovereign and private debt, and the options with what it is important to understand the strategy -once the background within this category can be important. The reference pulls are between 6% and 8%, depending on the composition.
Aggressive profile
FCIS Variable Income. Currency: pesos. It bases its strategy on local actions (and can maintain up to 25% in CEDEARS). The volatility here jumps several points above the previous ones, product of nature in what they invest, but their potential performance – in good times – can move above. Necessary condition (although not sufficient): time. So far this year, these funds have not had a good streak.
FCIS Total Return USD. Currency: dollars. Funds where, who manages it, usually has greater discretion on investment management -and they usually combine between fixed income and shares. Again the recommended investment horizon is long -term. The decisions here of the PM (Portfolio Manager), and its strategy, make a difference; and translates into lower or higher yields.
But these are just some of the options. Within this vehicle, the strategies are varied, and the choice will depend on each one. The important thing is to know that they are, and not be afraid of taking your first step in the market or talking about investments. In the long term, this will be the differential variable that will allow you to meet your goals.
Source: Ambito
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