WHAT I NEED TO KNOW BEFORE INVESTING IN A FOREX FUND?
In a scenario marked by uncertainty and volatility it is more precise than ever known investment funds that are hiring and have all the keys to maximize returns. Knowing the type of product, understand what commissions have recruited, how much money you should invest or consider their risk are some of the keys that, analysts say, will need to know before
choosing a fund.
Should we choose the investment fund based on the commission?
It depends on the category. There are some in which the committees are vital, but in others are secondary. In the case of the management fee and the depositary, no problem because they detract directly from the price of the fund. However, in the other we must also see what their profitability to decide whether a high or a low fee makes up what is going to get from that fund.
How much money is advisable to deposit?
"As much as possible, provided that they understand what is being purchased and where they are investing," says José María Luna Morales, director of research and investment strategy Profim. You need to be well advised and informed that there are very many products, from conservatives, such as money, even the most aggressive, like gold or oil.
What kind of funds should invest?
At this time it is preferable to go to some portfolios linked to risky assets, such as equity funds. "If the goal of profitability is very low have to be very conservative and some linked to
market swings portfolios," said Juan Manuel Vicente Casadevall, partner
Kessler & Casadevall Financial Consulting. However, if conservative funds is important that the management fee is very low because the risk-free assets currently do not give positive return. So if you want to invest in monetary funds, fixed income products or mixed it is further preferable to choose those that are cheaper.
How many funds to invest the money to have a diversified portfolio?
It is recommended to "take the money in at least ten funds that are global in nature," says Casadevall. It is better to be exposed to everyone using highly diversified portfolios before depositing the money in the same fund. The more diversified the portfolio is, the easier it will be to avoid slumps in
the market.
Is it necessary to take into account past performance of the fund?
The return of a fund can serve to guide the investor when choosing which product is going to hire. However, choosing a fund only considering his past is "driving without rear-view mirror," says Morales. Although in the past the fund has performed well and continue to do so, we must also understand where we are investing and what is being purchased.
When I can rescue a mutual fund?
Although it is
advisable at this time is to seek to keep the money and preserve capital, regardless of the term, investment funds have the advantage that they can be rescued in time when desired, unlike, for example, a plan pension. And all this, taking into account the taxation of that type of asset.
