As the global economy is improving and this year comes to an end, people are wondering where to invest now what?. Before making any investment decision is important to establish the risk profile of the investor.
Must determine factors such as amount, tolerable levels of loss and expected gain and the time horizon of investment.
A greater amount of investment to diversify the risk further because you can acquire financial assets with different risk profiles and sensitivities to market fluctuations, enabling the structuring of portfolios that reduce costs and reduce potential losses.
On the other hand, if the amount to invest is small it is preferable to collective portfolio, which are composed of a large amount of assets that provide excellent diversification, while you can enter from very small amounts, with which small investors are owners of a fraction of the total value.
Given the context of both national and international live action, the recommended long-term investments, because they will look at the fundamentals and not short-term fluctuations, since they are not the best indicator.
Once these aspects have been defined, an investor will get to choose the composition of its portfolio between fixed income instruments (corporate bonds and TI, for example), equities (stocks) and real estate. This choice must be oriented in an attempt to mitigate risk and maximize profitability. A very heavy stock portfolio will enable high levels of profitability, but in case of fall in the domestic securities industry, the corrections in their prices could be very strong. On the other hand, debt instruments, carried at maturity, generate uncertainty about the return on investment, however, require the investor his capital immediately, the market could also punish the price of your investment.
The real estate market
The decline in interest rates and subsidy policies have boosted housing demand in 2010 and will continue to do in 2011 with a special dynamism in the housing segment. It provides a positive annual change of buildings sector for the second half of 2010. And with each passing day, the value of a property generally increases.
The profitability of investment in land can also show a significant jump in the coming years, perhaps surpassing the profitability that comes from owning an apartment. With the arrival of the new year, many people think of buying new properties or to buy the land. Remember, real estate investments are one of the best plans for long-term investment.
Shares of long-term
Investment in the securities markets may not be an easy task for everyone, but given the nature of the bag, you can find alternatives that achieve double its investment. To reach them, it is necessary to carefully analyze the behavior of prices, fundamental analysis of issuers and have the assistance of an investment adviser to invest in 2011.
Gold is still king
As investments are diversified in all fields, gold investment has also become a possibility in those days. Also, now there is no need to buy physical gold and carry a risk of protection. The investment in this asset has been considered as an investment alternative in high volatility.
Mutual funds offer minimal risk
If you really want is to be free of risk, mutual funds and collective portfolios are the best option. Do not worry about monitoring markets daily, and must be aware of every rise and fall in market prices. As for fixed income instruments, such as CDT, bonds, bills and banker’s acceptances must be proportionate to the investment horizon, while index titles are recommended as the DTF variable rates which has a high correlation to movements of the Issuer an time change the monetary stance.