Not studying your risk profile before starting to invest may be one of the biggest aberrations you can make with your personal finances — only behind not having a budget to keep up to date with your income, expenses and savings . Risk profile is an indicator that involves objective factors, such as net worth , emergency fund , and financial goals , and subjective factors, such as emotions . The combination of both describes your tolerance for financial risk and opens up a range of possibilities in the world of investment. What types of risk profiles exist There are 3 types of risk profiles: conservative, moderate and risky , according to the National Securities Market Commission (CNMV). But you won't always identify with one of them. The convenient thing is that, as your finances evolve, you adapt to a profile that assumes more or less financial risks.
The fact of being classified as a conservative investor does not mean that, at a given time, it is not convenient to invest part of the savings in products intended for more aggressive investors," suggests the markets supervisor. "The passage of time, changes in the financial situation and other personal circumstances, including the experiences that are Asia Phone Number List accumulated, mean that the investment profile may undergo modifications ." Below, the characteristics of each of the profiles, their favorite financial product and the 12 questions that any financial institution could ask you to know your risk profile. Guide to start investing Investing guide Conservative risk profile People who want to take a low risk (or almost non-existent which, in the long run, can even cause them to lose purchasing power) are those who are considered to have a conservative profile.
One of the most common financial objectives is savings or a retirement plan that simply complements the pension . Lower risk financial products: savings account , deposit , annuities , pension plans , bonds and other fixed income products. Moderate risk profile The moderate profile tends toward medium risk with a portfolio that offsets the chances of losing a lot of money with assets that are safer . This profile is reassured that there are investments that, although they give less returns, are more guaranteed than others. But they do not want to miss the opportunity to obtain returns with assets that involve higher risk. Balanced risk financial products: fixed and variable income , investment funds and pension plans . High risk profile In the world of investment there is no coffee for everyone but, compared to the rest of the profiles, the low risk.
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