The crisis has boosted household saving, nobody wants to eat to be cautious in the face of an uncertain future, it is important to know where to put our savings to rent out as possible without taking big risks, profitability has declined in all major products savings and investment. Right now you’re getting returns, you risk much of the capital. Even so, investors continue to have several options:
Public debt: offered by the Treasury in installments that can range from three months to 15 years. The best thing is safety, it is almost impossible that the state is therefore insolvent money back guaranteed. The worst of this investment is the low return on their products, always below 5%, due among other things by continuing declines in interest rates. Letters from the State provide a return of around 1% a year. Government Bonds can get a return of 2% (three years) and 3% (five years). But the most profitable public debt still provides the debentures, although for very long periods of time.
Stock Exchange: equities appear to be starting to have a positive development, since the sharp falls, the Ibex 35 have been recovered by 43% per annum on March lows. Can be an occasion for optimistic investors to leave their savings in one of the many values listed below their potential. Avoid speculation and opts for a strategy aimed at medium to long term.
Deposits: one of the alternatives are less attractive because they offer low interest rates, barely more than half a percentage point to a fixed term of two months. In times of Bonaz, banks often run promotions or offers for new customers with returns that can be 5%, although for a short period of time.
Gold products: you can invest in gold funds hiring referenced in this metal so valued in times of crisis, as it serves as a refuge. In that sense, most conservatives also have the opportunity to buy physical gold through bullion, gold coins, jewels, etc.
Investment funds: one can begin to take positions in guaranteed funds with a small capital. Another option is the combined funds that combine fixed income variable. The best investment strategy is to seek advice from the bank on the type of fund that best matches your profile or personal needs, achieving a balance between profitability and risk.