Ideally find some way or system to detect the minimum (and maximum) of market movements. But it is not realistic. Some tools try to detect the minimum (and maximum) of each movement, such as graphic and technical analysis, Japanese candlestick or candlesticks, the analysis of money flows, etc.. But no tool is infallible and sometimes give false signals.Many investors expect to get advice from someone more experienced to tell them how far it will...more
It is commonly accepted that the vast majority of mutual funds fail to even match the performance of its benchmark index (IBEX 35, Eurostox 50, S & P 500, etc.). Long term. Some may beat during certain periods of time, but are not able to overcome long periods. There have been many studies on all mecados and the result has always been the same, mutual funds provide a long-term profitability below its benchmark. Only a tiny amount of funds has...more
The big Spanish banks (Banco Santander, BBVA, Banco Popular) and any other company, such as Iberdrola, have programs of reinvestment of dividends to its shareholders. For example, dividends that are charged to the shares of Banco Santander which are held in the portfolio are used to buy more shares of Banco Santander.To qualify for these plans only have to deposit the shares in the bank itself (or any of its affiliates) and apply. That is, if you buy shares of Banco Santander must be deposited in Banco Santander or Openbank , if shares of BBVA BBVA have to file it or Uno-e , etc. Dividends received are automatically entered into a special account (the account that is associated with reinvestment plan), which usually gives a higher interest account to the rest of the market. Once a quarter the bank itself is responsible for purchasing the maximum possible actions with the money accumulated in the account automatically reinvested. It is sometimes possible to make additional income from reinvestment those accounts to buy more shares when the time of reinvestment. This should be consulted about conditions then current, as they may vary. These extra income sometimes allowed to any other...more
The stock index (IBEX 35, Stock Exchange General Index of Madrid, S & P 500, Dow Jones, Eurostoxx 50, Xetra DAX, CAC 40, etc.) Do not include dividends paid by companies. This means that when, based on a particular index, a means of public communication that the stock is up X% in a given period in that calculation is not including dividends paid by...more
Average, or pyramiding, low is to buy more shares of a value that already has at prices below that made the initial purchase.Do it right or not depending on the value and the strategy that uses the inverter.I think when you trade should not be averaged down ever. It is a fatal error. If an operation does not evolve as expected at the time of...more
The Spanish stock market is one of the cheapest (in terms of transaction costs), efficient and transparent in the world. In addition, many Spanish companies are among the strongest and best managed in the world. It is therefore logical that a large part of capital of a Spanish investor is in the Spanish stock market. It is reasonable to want to have a degree of geographical Diversification, seeking to diversify the risk of equity and / or increased profitability. Among the bags developed several possibilities. The most important are the Eurozone, the United Kingdom and the United States.In the euro zone currency risk is not unlike what happens in the UK and U.S., where the investment performance depends not only on the listing companies we have in our portfolio, but also the value of the euro over the pound or the dollar. This does not make some areas better than others, but different. The currency risk can go against us but also presents significant opportunities, and achieve better long-term diversification, as both the pound and the dollar is strong currency. The pound normally has a fluctuation against the euro than the dollar, so in this aspect UK would be at an intermediate...more
Financial agreements can be accessed by any two people who are married or are preparing to marry. Financial agreements are binding - in that sense they are very hard to overturn - but they do need to satisfy the official requirements specified in...more
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Many Americans worry about retirement planning. Financial advisors with a certificate from a retirement institute can help navigate the complexities of retirement planning. About 50% of US workers over the age of 45 do not know what they need in...more
It is tempting to call binding financial agreements pre-nups, but this ignores most of the picture. Binding financial agreements may appear at any time before, during and after a marriage ends. In essence, these describe the whole process of what...more
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When you face cash crunch then sometime you feel your life is full of difficulties. People every time feel tense when some sudden fiscal issues arrive and to cope from them they will search for additional cash assistance. Those have some good...more