Silvana Saldisuri
04/29/2021 6:01 AM
Clarín.com
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Updated 04/29/2021 6:01 AM
Making the decision to invest in the Stock Market can be very intimidating for those who have little or no
experience
.
But letting fear stop you from doing so can be a big mistake.
Many people assume that you must have a lot of money and knowledge about the
market
, but nothing further than that.
It is enough to be prudent and inform yourself on the subject to take advantage of this alternative with which you can
make a profit
and prevent the money saved from being devalued.
However, it is normal for a lot of concerns to appear: is it too risky? Is now the right time to invest? How do you do it? Where do you start? For this, it will be essential, as a first step to investigate yourself and ask yourself
what you are looking for when investing
, how much risk are you willing to take and when will the money be needed?
The
different goals
justify
different strategies
and time horizons.
For example, if the goal is to save enough for a down payment on a house, it will probably take much less time than if you were saving for retirement.
Nor is it the same to want to pay off a debt that has a certain term than to beat inflation at the end of the year.
And it is not minor to take into account that
investments
on average can be made
from $ 5,000
.
Different goals will justify different strategies when investing.
Photo.
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Step by step, how to start investing
1. Choose an ALYC agent
(Settlement and clearing agent), or better known as a broker or financial agency, among the most recognized is I
nvertirOnline, Personal Portfolio and Balanz
.
"To gain security, it can be verified that the selected entity is authorized by the
National Securities Commission (CNV)
and that it appears with a registration number on its website", details the coordinator of the UADE Finance Laboratory,
Karina Díaz
, to
Clarín
.
2. Open an Investment Account.
This management is quick and easy and is done through the website of the agency with which you have chosen to operate.
A selfie of the face, a photo of the front and another of the back of the DNI and some personal information will be requested.
It is 100% online, with
no opening or maintenance cost
.
3. Enter money to the Investment account
through a transfer of pesos or dollars from a bank account, in which it is the holder, to the account that appears on the financial agency's page.
Once the money is credited, you can start trading.
What type of investor am I?
Once the previous steps have been done, you must discover what type of investor you are, that is, how much risk you can and are willing to assume.
There are three investor profiles:
Conservative:
tries to preserve capital and seeks to overcome inflation.
The minimum required in an investment.
With this objective, the risk it admits is very low.
Moderate:
the objective is to achieve a balance between stability and equity growth, so that the tolerated risk exposure is intermediate.
.
Aggressive: it
seeks to maximize profitability so its exposure to risk is high.
The market offers a wide variety of instruments that adapt to any objective.
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What is the recommended product to take the first steps in investing?
"At the beginning, you don't need to know much about the market, there are experts who work daily to provide the best information and analysis, with clear and concise data, so that decision-making and strategy building can be optimized," he explained. the head of Research at InvestOnline,
Maximiliano A. Donzelli
. In addition, he stressed that investment agencies have a
line of advisers
to help clarify doubts.
The
Common Investment Fund
. It is the suggested product for a beginner investor with a conservative profile. According to the Commercial Manager of Portfolio Personal,
Ariel Manito
, it is the instrument that has the least risks and
yields more than a fixed term
. In addition, being managed by market professionals, it has no subscription and redemption cost, which means that you can invest and withdraw the money without paying extra.
"If what is intended is to hedge against the rise of the dollar, you can choose
securities linked to the North American currency
, so that the capital does not devalue in the face of changes in the value of this currency.
If the investor wants to be at the forefront of technology, global leading companies can be accessed through their CEDEARs, in the local market and in pesos ”, added Donzelli from Invertir Online.
In as much it emphasized, that
the money will be able to have when it is needed
.
Most of these instruments are traded daily in the market, so if capital is required, there should be no problems in being able to sell it and get the money.
With regard to the
average
profitability or profit
for
investments in pesos
depending on the term, horizon and risk, "there are alternatives of Common Investment Funds with
annual yields between 30 and 50%
, but there are alternatives that cover devaluations and others that protect against inflation, which are also very attractive alternatives for these times, "completed Manito from Portfolio Personal.
LN
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