We are very clear that investing is fashionable, but… do we really know what it is about? Relax, in this note we tell you from scratch what an investment is and all its benefits. But also its risks and everything you need to know before jumping into the pool.
What are we talking about when we talk about financial investment?
You may have an idea, but it never hurts to review that an investment includes allocating money that we have managed to save in order to obtain a benefit in a certain period.
Investing, unlike saving, always includes risk. That is why it is very important that you seek advice from an expert person and that you keep these tips in mind:
- Anyone can invest.
- It is not necessary to have a large amount of money.
- It is recommended that you do not have debts when starting an investment.
- It is an action that can have a direct impact on your assets.
- Investing does not guarantee a return.
- By doing so, you assume the possibility of losing part or all of your savings.
- Keep in mind what percentage of your income you are going to allocate and for how long you want to invest.
- And one last piece of advice! Put together an investment strategy according to your investor profile.
So why should you invest?
- It allows you to preserve your savings against inflation.
- You make your money grow! Remember that money saved over time loses value.
- In times of emergency, the return obtained from the investment serves as a backup.
- To achieve your financial goals.
- And the best: to project a retirement plan with the profits generated by the investment.
Now that you know the advantages and disadvantages, the next step would be to know your investor profile. ¿Why is it so important? Because it will allow you to correctly choose the financial products that will help meet your needs and goals.
Investor profile, which one do you identify with?
Conservative profile: It does not assume large risks, prioritizing above all the immediate availability of its investments, in order to maintain the value of its capital and not suffer large losses.
Moderate profile: It is an intermediate profile, which can tolerate certain risks in order to obtain greater profitability in the medium or long term.
Aggressive profile: Seeks the highest possible returns and assumes a high level of risk. You agree to keep your investments for long periods since you do not have a short-term liquidity urgency.
-The objective is always the same: to make the accumulated money grow. Today the market offers Common Investment Funds. What is this about? Let’s put it this way: It is a common pool of silver made up of the contributions of many people. The best? You can use your money or withdraw it whenever you want. In addition, these funds are managed by financial specialists, which can give you greater peace of mind when starting out.
Do you cheer up or don’t you cheer up?
Now that you have all this information, the decision is in your hands. Keep in mind that having a good strategy and a lot of patience will be essential on this route. Rome wasn’t built in a day, and you probably won’t see gains overnight. Even so, it is worth trying because in this context of inflation and devaluation of the local currency, keeping your savings on hold is not going to work!
Originally posted 2023-02-02 09:59:26.