¿En qué me puede ayudar un Asesor Financiero?

A la hora de invertir, son tantos los factores que hay que tener en cuenta, que muchos ahorradores no se «atreven» a dar el paso para sacarle más partido a su dinero. Sin embargo, en los tiempos que corren, con unas pensiones en una situación delicada (especialmente para los trabajadores jóvenes en activo) y unos tipos de interés que no cubren la inflación, mantener el dinero sin invertir, supone una constante pérdida de poder adquisitivo para los ahorradores.

Es por ello, que es imprescindible, comenzar a rentabilizar nuestros ahorros, y la mejor manera de hacerlo es invirtiéndolos.

Sin embargo, creemos que el cambio de ahorrador a inversor, no debe darse nunca en solitario, ya que en el campo de las inversiones, las malas decisiones pueden costar mucho dinero.

Dado el nivel de experiencia y conocimiento financiero que se requiere para invertir de manera adecuada, el contar con un Asesor Financiero profesional es algo que puede cambiar radicalmente la hoja de ruta de nuestras finanzas, y por supuesto, el éxito o no de estas.

¿En qué puede ayudarnos un Asesor Financiero?

A la hora de pensar en un asesor profesional, lo primero que se nos puede venir a la cabeza, es la figura que hemos idealizado en la gran pantalla, donde alguien se pasa el día comprando y vendiendo para que sus clientes ganen dinero. Sin embargo, nada más alejado de la realidad.

Un Asesor Financiero, debe en primer lugar, conocer a su cliente, y elaborar un estudio de las necesidades y objetivos del cliente, ya que esta es la única manera en la que podrá ayudarle realmente. Haciendo esto, el Asesor Financiero, puede conocer el nivel de tolerancia al riesgo de su cliente, y el horizonte temporal que tienen que tener sus inversiones.

Objetivos y necesidades del cliente. Perfil de Riesgo

Muy sencillo, este estudio inicial de las características y objetivos del cliente se hace para proponerle una cartera de inversiones que se ajuste completamente a lo que este necesita.

Habrá clientes que puedan invertir en cualquier activo (acciones, fondos de inversión, inmuebles…), ya que su perfil de riesgo lo tolera; y habrá clientes que no puedan hacerlo, y su cartera tenga que estar compuesta de aquellos productos que sí son adecuados para ellos.

Con esto se evita que los clientes tengan en su cartera activos que ni siquiera conocen o llegan a entender, como por ejemplo las famosas Preferentes o los Pagarés de Nueva Rumasa, activos que hicieron perder mucho dinero a sus compradores, y que en la mayoría de los casos, no eran adecuados para su perfil de riesgo.

Así pues, quédense con la idea de que un buen Asesor Financiero, evitará que inviertan en productos que no sean totalmente adecuados a sus necesidades y objetivos.

Pero esto solo es una de las contribuciones que un Asesor Financiero puede ofrecer a sus clientes.

Seguimiento de las inversiones

Además de la configuración de la cartera, hay una parte más importante que es el seguimiento de la misma.

De nada sirve configurar una cartera, si esta no se va ajustando a los cambios del mercado. De echo, el éxito o no de una inversión, radica en la flexibilidad y rapidez que tenga el inversor de adecuar la misma a las situaciones cambiantes de la economía.

Supongamos por ejemplo que un cliente invierte en bancos. Cuando el ciclo económico esta positivo para los bancos, es buena idea tenerlos en cartera, pero cuando el ciclo no es favorable, no tiene sentido. Es por ello, que un Asesor Financiero, puede ayudarle a determinar, que sectores son más adecuados en un determinado ciclo económico y cuales no; o lo que es más importante, podrá ayudarle a determinar en qué momentos es mejor no estar invertido, en cuales hay que estar invertido en activos más defensivos y en cuales se puede asumir más riesgo.

Timing de la inversión

Uno de los principales errores que se comete cuando se es principiante en el mundo de las inversiones, es no tener claro cuando hay que comprar o cuando hay que vender. Hay ocasiones en las que un movimiento de pánico en el mercado provoca que nos precipitemos a la hora de vender, y hay ocasiones en las que una pequeña subida de las bolsas, hace que compremos en un momento en el que no hay que hacerlo.

Contar con la ayuda de un Asesor Financiero en estos momentos es algo que puede sernos muy útil en estos momentos en los que no tenemos claro como interpretar los movimientos que se producen en el mercado.

Hemos de tener en cuenta, que como hemos dicho anteriormente, además de conocimiento, es importante contar con experiencia, y en ocasiones se producen situaciones o movimientos bursátiles que solo un inversor con experiencia sabe interpretar.

Segunda opinión

Otra de las bonanzas de contar con la ayuda de un Asesor Financiero, es que este nos puede ayudar a contrastar nuestras opiniones o ideas de inversión.

Por norma general, invertir suele ser un proceso difícil, en el que la toma de decisiones en solitario puede ser psicológicamente nefasto para nuestros intereses. Por ello, contar con una segunda opinión, puede liberarnos de ese exceso de presión, y hacer que podamos considerar la inversión que habíamos planteado, desde otro punto de vista.

También en momentos en los que nuestras inversiones no están saliendo bien, hablar con otra persona puede ayudarnos a afrontar la situación con más tranquilidad y a no tomar decisiones «en caliente».

Conclusión

Invertir no es tarea sencilla. Además de conocimientos y experiencia, hay que tener tiempo y capacidad para analizar las situaciones que con frecuencia se dan en los mercados financieros, para poder tomar las decisiones de inversión más adecuadas para nuestros intereses.

Es por ello, que no es recomendable invertir en solitario a no ser que tengamos esas características que comentamos.

Para adentrarnos en el mundo de las inversiones de una manera segura y controlada, es recomendable contar con la ayuda de la figura del Asesor Financiero, algo que cada vez más inversores hacen.

Debemos de ver al Asesor Financiero, como una herramienta que nos puede ayudar a rentabilizar nuestros ahorros y ayudarnos a lograr objetivos tan necesarios como preparar la jubilación.

En nuestra opinión, creemos que en una sociedad cada vez más profesionalizada, en la que cuando tenemos un problema legal contratamos a un abogado, o cuando tenemos una avería en nuestro coche, contratamos a un mecánico, no podemos afrontar en solitario algo tan importante como nuestras finanzas, donde existe una línea muy fina entre ganar dinero o perderlo.

 

 

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