Fixed income

The discount of the types of interest is leaving to the investors without alternatives of safe investment and, at the same time, rentables. Without going more far, the public debt, that in 2008 was the most attractive option for the less risky investors, is recessing by forced marches his interest. In United States, for example, the Public Treasure has arrived to place Letters to one and three months to a type of interest zero, that is to say, without rentabilidad. In Europe, whereas the past year arrived to issue Letters to a year above 4%, in the actuality as soon as surpass 2%. The experts think, besides, that the rentabilidad will follow falling to the compass of the new falls that expect for the price of the money. In the actuality, the official types situate in Europe in 2,5%, but some houses of analysis foresee that in the next months will fall until 1,5%. His repercussion will be negative on the active of fixed income to shorter term.

Security front to rentabilidad

A lot of investors have turned the sight of compulsive form in the last months to the active of public debt, considered the instruments of investment safer. In means of a deep economic crisis, the governmental fixed income (Bonos and Letters issued by the governments) present like the alternative idónea in which keep the saving to good collect. The investors bet with strength by these instruments because they look for security, above rentabilidad.

Continue reading »

The on-line tanks, that is to say, those that can suscribir by internet, have the advantage that we do not need to go to the branch of the bank every time that we wish to realise some operation (subscription, renewal, cancellation.. ) With them. But in addition to this advantage, also offer something but of rentabilidad, since they provide between a 1% and 3% more by half term, above the traditional tanks.

The tanks hired through the network are destined to terms very short, that do not exceed of the twelve months and, in general, do not contemplate commissions neither expenses of administration. Regarding his rentabilidad, the fork is very wide in function of the type of product selected, the term to the that direct and the characteristics of the same, but is comprised between 1,75% and 7,15%, although it fits to warn that the ones of elder rentabilidad are destined to periods promocionales. Likewise it is necessary to take into account that some of these products have stipulated a penalty of between a 0,50% and a 2% on the amount reintegrado in advance during the days that are missing for the vencimiento. On the other hand his contratación is very simple, because the minimum demanded is from 1.000 euros, although also is necessary entities that go down of this quantity. The only requirement to access to them is to be client of a bank or box of on-line savings, and have of a password.

Continue reading »

The new auction of the Treasure Público for the exercise 2009 is one of the less attractive for the interests of the investors of the últimos toñyou, since his rentabilidad has seen reduced until 1,24% in the Letters to 12 months, to 2,43% in the Bonos to two toñyou and to 3,81% for the obligations to 10 toñyou. But, in return, constitute like one of the products mÃs safe of the financial panorama in this élittle of turbulences.

The depósitos to a week provide a rentabilidad of 0,93%, to two weeks of 1,10% and to a month 1,24%. Neither the variable income està rescuing the money of them sinñyou and average ahorradores, since està developing a caígives free that carries to the prices of the compañíace that cotizan in Bag to unknown levels -habríto that trace back until 1997 to see prices like the current-. Of ahí that the investors mÃs conservative decant by products of the debt pública, that in his modality of long term offer until a 4,92% of rentabilidad. The Bonos to two and five toñyou provide a 2,43% and 3,48% respectively, whereas the obligations to 10 and 30 toñyou stipulate it in 3,81% and 4,92%, the mÃs high in this type of products of fixed income.

Fixed income to face the toñor

The Treasure Público issueà along 2009 Bonos and Obligations of the State by value of some 87.000 million euros. It presents aceí an opportunity to invest in values of the Treasure, for those who look for main rentabilidad of which offer in these moments the Letters of the State. The Treasure Público carryà to cape auction all the months; the ones of Bonos tendrÃn place the first Thursday of each month. Unlike others toñyou, the opportunities of inversión in Bonos no sóthe ceñgoÃn to the main references to three and five toñyou (2,75% in April of 2012 and 4,25% in January of 2014, respectively), but that reopenÃn Bonos to intermediate terms to adjust to the preferences of the investors. For example, in February the Treasure has issued references with two toñyou. The Obligations of the State (with upper terms to five toñyou) auctionÃn the third Thursday of each month. También In these terms combineÃn the broadcasts of the main references to 10, 15 and 30 toñyou (4,60% in July of 2009, 4,80% in January of 2024 and 4,90% in July of 2040, respectively) with reopenings of obligations with intermediate terms.

Continue reading »