EXTRACT FROM HOME HOW TO START ..... Positions 4
4-STRATEGY, ASSET ALLOCATION = BUILD A PLAN.
If we are newbies, let's help the financial advisor to compose a mix of instruments, consistent with our risk appetite, age and years to retirement and who lack the same type of pension that awaits us, always remembering that the 'ultimate decision is ours.
It 's the portfolio as a whole that determines the long-term results, not individual products that comprise it.
E 'better periodically review its asset allocation on a regular basis (I do a thorough analysis on a Saturday morning and tweaks each month), without being influenced by the state of the Stock Exchange.
You define your risk tolerance and your goals and then you can choose a portfolio: conservative, balanced or dynamic.
The main instruments that few advisors would recommend you to start and keep the emotions out of investment decisions are:
The A-accumulation plan (CAP) in mutual funds with Rating (evaluation) of course 5-star or better Global Equity International (MSCI World) in the long term (at least 3-5 years), a formula that allows you to automatically pay a monthly sum, although only 50 € for determianto a period of time in the early stages of decline, this strategy allows you to accumulate more shares (because prices are low) and vice versa in those booster, learning to modulate the average price of the instrument, eliminating the dangerous peaks of the market.
I hate to admit it but NOT ITALIAN FUNDS AND THOSE WHO CHOOSE YOUR PROMOTER I advise you, the board accepted the thanks and once at home but compare it to other instruments same type, very often the Italian funds costs a lot more 'in terms of total fees (entry-d'uscita and annual performance), and Performa LESS.
For people who count in "Fineco, the useful tool of research is called" research funds "in the trading funds, where you can set filters such as type, currency, sector, geography, company ratings to compare and determine what you're looking for, a priori discarding all that has less than 4 stars. After each search and any comparison, you'll realize you'll realize that the best managers are always the same as JP Morgan, Templeton F, J Baer, \u200b\u200bBlack Rock, etc. ... Carmignac.
B-ETFs (funds with low fees that track indexes) with periodic payment always a choice of ideals in times of crisis index, not forgetting that the great W. Buffett recommended in First, to invest in Index funds' low fees and rely on indices that ETFs replicate them at 100% and have very low entry fees, with € 100 monthly investment.
C-Repurchase agreements with a yield almost double the current account, vincolandoperò a good amount of money even for a single month, taxed at 12.5% 27% of DC, most useful, however, when interest rates are high, but certainly now (2010).
..... AND THEN .... THE ACTIONS
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