Target route | An investment that is unthinkable

Financial investment is different, people who invest. Jose Maria Garcia (Ovido, 43 years old), for example, started his investment path when he was a university student two decades ago. “My mother opened a pension plan. When I find the work I was keeping it,” he said. Arancha Hurtado (Madrid, 49 years old) also started a young teenager with a “stable period of the bank”, but Lourdes Fernandez (Waldepenas, Ciudad Real, 65 years) invested in medium and long -term funds in the US stock market for more than 20 years. Alex Pedrosa (San Sebastian, 41 years old), on the other hand, had the moment he had to start investing when he came from family stock actions. These are some experiences that private investors share An investment that is unthinkableA new campaign discussed by money.

As described by Francisco Quintana, Director of ING Investment Strategy Department, there is no need for great knowledge of investment, but to have the basic concepts of “learning” is not difficult to learn.

Long -term plan may be boring, but it works

“It has the ability to dedicate an investment and dedicate some of that savings to increase some of that savings,” said Ballanka Camin, director of Heritage and Private Banking Director of the Iberia Fund. In other words, the investment is associated with medium and long -term, “Today’s going to the restaurant, going to the restaurant, you are not allocating some of our income today with an immediate pleasure of buying an expensive car or floor in the future.” “This is a feeling of boring, but it works,” he said.

Investment requires a strategic process to decide how and when to invest our money to meet financial goals. To do this, we need to define the goals, the risk that we are willing to implement and the most appropriate strategies. “There is no universal principle that tells us when it is the best time to start an investment path,” the Engamist argued. However, Quintana resorts to a popular proverb about this sector: “If the best time to start investing yesterday and not, today.”

The crucial moment and personality is crucial

Blanca points out the comin: “It begins before we can meet and, most importantly, before we meet ourselves.” Two factors that influence the most influence of investment are the phase of life and personality characteristics. “It is what you like to invest in you or you are not the goal of investing in a very early age. Maybe you are planning to buy a house in a future that is not too far away, or when you have little kids to invest in that money tomorrow. You have been thinking for a long time, for example, in your retirement, for example, you have been a guilt.

“Strategy for investment constant is long -term planning, diversity and adaptation”

Blanca Camin

Fund Manager Amundi Iberia’s Heritage and Private Banking Director

Quintana makes it clear that “If you are a person who can’t sleep at night, it is very concerned. Your investment way does not have much risks” and warns of various results that can be obtained. .

More than emotional management technology

Most people have more contact with emotions rather than a technical aspect of investment. “It is essential to have knowledge of investments, but this is 10% of success. The remaining 90% is due to good emotional management.” Here the discipline comes into effect, some time to know how to calm down, do not get away with the fears of markets and not intoxication with daily results.

“Technology is 10% of investment success. The remaining 90% is due to good emotional management”

Francisco Quintana

ING Investment Strategy Director

As Camin describes, uncertainty is completely inherent to investment, because if there is no uncertainty, we will not talk about investment, we will talk about savings. ” The meaning of absolute confirmation is that we cannot reduce the losses and therefore the accessory emotions cannot be reduced. Amundi Iberia Directive believes that investors such as diverse are useful tools to deal with uncertainty. “Keeping our money in different products, a few more long and a little bit, allowing us to work with different alternative views depending on the market conditions,” said Comin.

Be consistent, the best strategy to achieve goals

Could not understand the investment without strategy. “Our goal is the way. We should focus on how we are investing,” Quintana said. To do this, it is essential to have any investment record. “In the long run over 20 or 30 years, profitability depends on very good days (stock market works). The cost of those good days is too high. It is important to give the sales button for the boost to avoid the opportunity,” said the ING expert. “It helps to know the historical data of the bag, Find out that there are so many great ascetices after the big waterfall”, He adds.

As Camin summarizes, “strategies that help maintain investment constant can be adopted on the basis of long -term planning, diversity and market conditions and the goals we set.”