Are investments funds a suitable product for me?
Finance | 08.26.2016
Do you often wonder how to make a return on your savings and what product is the most suitable for you in the current low interest rate environment? If you ask yourself this question, I’ll try to answer it and give you my opinion in this blog entry.
The traditional bank deposits that have been used for years to channel small investors’ savings no longer offer attractive returns, and in some cases offer no returns at all in most currencies.
This situation has caused small investors to look for alternative solutions to protect their savings.
It is time to consider the alternative offered by investment funds. For many people investment funds remain something of an unknown, largely because of the now popular idea that funds are for “the wealthy only”.
Nothing could be further from the truth. There are suitable investment funds for all kinds of people. In fact, investment funds are one of the most affordable products available in the financial market as investors can purchase shares from very small amounts and make additional payments to increase their savings little by little.
In addition, whether you buy 1 or 10,000 shares in an investment fund, your savings will be managed in exactly the same way. This means that anyone can start saving from a very small amount and still benefit from the same standard of professionalism.
There is a broad variety of funds available in the market, depending on the investor’s profile and the level of risk they are prepared to take.
Investment funds offer many advantages but I would like to share three of them with you:
- Diversification: by buying shares in several funds invested in different types of assets (money market, fixed income, equities, etc.), you can build a diversified portfolio both in terms of the return achieved and the level of risk taken. Today there are risk-profiled funds that adjust their investments to match the client’s investment profile, a bit like a tailor-made suit.
- Consistent savings: most investment funds allow investors to make regular payments (on a monthly, quarterly or semi-annual basis, etc.), which means they can be used as a piggy bank and tailored according to your individual financial situation.
- Easier access to stock markets and indices: investment funds give you access to stock markets and indices in countries or sectors to which you would not normally have direct access. Additionally, you can rely on the expertise and asset management skills of professionals.
At MoraBanc we offer a diverse and attractive range of investment funds for all types of investor profile. For more information visit our website www.morabanc.ad/en/investment/investment-funds/ or contact your account manager.
You can also save in this way with our Saving Project, a low-risk investment fund that allows you to make regular payments to save little by little and enjoy a return on your savings.
Information on the processing of personal data
In compliance with Law 15/2003 of 18 December on protection of personal data, the customer authorizes that the applicant’s personal data entered on this form will be incorporated into files owned and managed by MORA BANC GRUP, SA – MORA BANC, SAU (hereafter referred to as “MoraBanc”) to process the requested service and, if necessary, to comply with the contracts finally entered into, and also to ensure correct operational procedures.
The applicant expressly authorises MoraBanc to send him/her commercial and promotional communications for products and services and information on the Bank itself, social or other activities, in hardcopy by post or by electronic means (among others, short messages (SMS) to mobile phones, e-mail, etc.). This consent can always be withdrawn, without retroactive effect.
The applicant authorises the data provided to be communicated or shared with third parties forming part of the MoraBanc business group, entities which are primarily active in the financial, insurance and service sectors. The applicant is considered as having been informed of this transfer of information by means of this clause. The applicant accepts that he/she may be sent information on any product or service marketed by these companies.
The data processing manager is MoraBanc. The applicant is hereby informed that the rights of access, rectification, suppression or opposition may be exercised in the terms established in current legislation.