Investment Tips
If you are from people who still do not know what they will do with the layoffs that have entered and who entered the first days of February, and is interested in making good use, with the recent reform created for the saver, have the opportunity to implement a new scheme which is more in the management of their investment.
Now you can choose to choose between two types of portfolio. If your profile is on investment in less time, should go to the short term, but instead wants them to keep more than one year must go to long-term portfolio.
The short-term, for example, is designed specifically for people who want or need to withdraw their resources very quickly, almost as soon as they entered the employer.
While the investor who wants to be more than a year and have higher profits and stronger profits, you can choose the long-term portfolio, but keep in mind that their profits depend on the behavior of financial markets.
Manuel Felipe Garcia, director of economic research at Skandia, this reform is very important because it is the first step towards the establishment of the multi-compulsory pensions, which will come into operation very soon.
The Congress adopted in 2009 the law that gives life to these multi-funds, which will lead to worker, depending on special characteristics, particularly age and risk profile, to choose the portfolio in which they want to save to build their pension.
The researcher noted that a younger worker, less than 40 years, still has over 20 years to retire, you can invest in the aggressive portfolio, which has a composition more shares, knowing that such long periods of time, the return of this type of asset is greater than the bond, although in very small periods can present low prices relatively strong.
“As the worker gets older, will have built an asset that should care, because their pension age and will be closer to a more conservative fund.”
On the other hand there are good tips to invest their severance pay well and have no regrets for having wasted future, as recommended by Clara Ines Guzman Nieto, mandatory product specialist marketing Skandia area, who mentioned that it is best to use Such assistance only in emergencies and, as far as possible, save them, since the higher retention of money in a fund, the greater the profitability and, therefore, the benefit of each member. Be clear about the purpose of using layoffs will help families to optimize the capital.
Similarly, the expert Camilo Herrera, president of Raddar, explains that “certainly has everything to do with understanding the nature of savings: the aim is to cause a saving to a time when the person has no job and get another , but being a housing finance mechanism, which causes an effect of asset substitution, which is passed from a savings to have an apartment, than at any time may be security for a debt free destination. It shows the Colombian prefer to insure your home, you have an income in case of loss of employment. “
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Tags: financial markets, Investment Tips, long-term portfolio, the management, tips to invest, type of asset, types of portfolio