La importancia de conocer y entender los productos en los que invertimos

En estos últimos años, hemos leído multitud de noticias acerca de ahorradores afectados por productos con los que han perdido dinero, como por ejemplo las famosas Preferentes entre otros. Una característica común entre la mayoría de estos ahorradores, era que ninguno de ellos sabía lo que eran las Preferentes y cómo funcionaban, por lo que tampoco llegaban a entender cual era el riesgo real que estaban asumiendo con el producto.

Es importante entender bien en qué se está invirtiendo

Para evitar situaciones como estas, es fundamental que a la hora de invertir, contratemos productos que entendamos perfectamente, al menos en sus características básicas.

Esto nos ayudará a comprender los riesgos del producto, y cómo pueden afectar estos a la evolución de nuestra inversión.

La figura del Asesor Financiero

Cuando trabajamos con un buen Asesor Financiero, una de sus funciones es la de ayudarnos a comprender los detalles y características de los productos que van a componer nuestra cartera de inversiones. En el caso de que nuestro Asesor nos proponga una inversión, y no nos explique en qué consiste y cuales son sus ventajas o riesgo, deberíamos de exigirle que lo haga.

Otras cuestiones a tener en cuenta

Sin embargo, creemos que no es suficiente únicamente con comprender las características del producto. Hay otras cuestiones que debemos revisar antes de contratar un producto. Nosotros nos plantearíamos las siguientes cuestiones:

¿Es este producto adecuado para lograr mis objetivos?

¿Cuánto puedo ganar o perder con este producto? ¿La relación rentabilidad/riesgo es realista?

¿Qué horizonte temporal es el adecuado para invertir en el producto?

¿Existen alternativas mejores para lograr mis objetivos?

¿El coste que tiene el producto es proporcional a lo que me ofrece?

El peligro de la publicidad

En muchas ocasiones, los medios de comunicación publican noticias acerca de productos de inversión que parecen ser fantásticos en todos sus aspectos. Sin embargo, hemos de tener en cuenta que la mayoría de esos artículos, suelen ser noticias promocionadas, es decir, noticias que están pagadas por quien vende o comercializa dicho producto, por lo que hay un interés claro en que lo que se cuente en la noticia sea visto por el lector como algo atractivo.

En caso de duda, nosotros siempre recomendamos que consulte con su Asesor los detalles del producto. Puede ser que realmente sea un producto que le interese y encaje o puede ser un producto que no merezca la pena.


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