How it affects the rise in the price of money investment.

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The European Central Bank in a few days will end to the "money" cheap so it will live an increase in official rates. This increase will be the first since 2008, so that investors and markets are already on alert. So it is time to think about what kinds of investments and values will be the most convenient to not be so affected by the cost of money.

Always it has been said that a rise in rates, asset that most damaged leaves is the bag, although we must not forget that in the bag there are companies whose product is money, so a rise in ratesThese companies usually leave benefit. We are talking about values Bank (Banco Santander, BBVA, etc).

From lombard odier tell us that the first rate rise that announce the European Central Bank is already discounted by the market, so there would be no significant falls associated with this fact. However, the next few days were expected much movement of trading in these values.

We must take into account also the climb rate in the economic situation that Spain resides, will reduce the disposable income of private individuals and small and medium-sized enterprises, so much more expensive mortgages of the individual as the investment projects of small and medium-sized enterprises.

Now, be careful with the choice of an investment fund, as rising rates will affect you perfectly.

You can for the most conservative investorprofile, now find their time again with fixed-term deposits, taking into account that the profitability that is offered in fixed income is usually calculated based on the Euribor, which is expected to increase at a glance, by which we will return to find a great variety of deposits which exceed 4%. Banco Santander probably open again the war for deposits.

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Trading vs smart investment. Who wins more money?

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If someone asked me today if I consider myself an "expert investor", my answer would be a resounding NO, as I consider rather that I'm something green and still have long way to learn. That Yes, usually surround myself with people who are dedicated to investment for more than 30 years. These people do not have blogs, do not participate in social networks and are certainly not "relevant figures in the world of the internet", but are my teachers and I know that they live off investment.

On the other hand I codeo "expert investors" dedicated to the trading, which give me lessons on a daily basis how focus investment, reminding me that by now I had only lucky to not knowing how to analyze a chart or stop me to analyze the PER of a company. This morning we put numbers on the table and we have drawn some conclusions.

Today, March 28, 2011 attest that in the world there must be people who will be getting rich with the trading, but I don't know any. Moreover, by what I have seen, the Trading is as close to the game in slot machines: "I'm losing, change me I have to recover".

5 Traders experts analyzed, in 2010 they released an average of 700 orders for buying and selling in the market and only one of them has not lost money, but with 815 orders for buying and selling (3.3 orders per day), I see too much work for so little return taking a huge risk.

On other side of the table, my colleague Victoria Bernal and I, with 31 and 15 orders for buying and selling have finished the year with a striking return, not to mention our beloved mentor, which with 5 orders delivered to the market has managed to win more than 135,000€ throughout 2010clear the amounts invested by this person are quite high.

What indicates this?

The message is very simple to explain. I respect the trading, but true is that the market is not suitable to operate every day. There are days that not doing anything, earn more money or at least, does not lose money. Short-term investment is striking, but it is not possible to carry it out, and more with the volatidad currently afflicting the bag. In addition, so I have noted, the practice of the Tranding tends to cause addiction and is not suitable for cardiac, in addition to not finish watching the profitability for any site.

If you ever hear that someone won over 4,000€ in a single morning, thinks that it may have been luck or that it is safer that you is lying shamelessly, because that is not normal.

On the other hand, another message that we can draw from this is that it must never lose the humility and certainly we must always be open to learning.

And as we have already said at other times, must have patience to find the ideal moment of entering a value, looking for the short term, but not obsess on it, and since then, being prepared by if our investment in the short term must pass it to the long term automatically. Above all, return to comment that the investment in stock market is so difficult as difficult to want to do it.

Once again, the smart investment that for me is the common sense wins the battle at these so complicated analysis.

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