Alba Monroy warns that it will always be a risky investment for the economic, political, social and not just a country but worldwide.
The same happens with metals, but with the difference that in difficult times of political instability, uncertainty prevails as the cost of these metals increases, they become more precious and the most conservative, says the expert.

A clear example is what happened in the 2006 presidential election year, concerns.
And this exercise is that the value of Centennial fell to 8.450 pesos 7,300 pesos and the ounce of silver from 110 to 165 pesos.

He described the situation clearly illustrates the value of the metals, because if a person acquired in the Centenary in 2006 a 7.300 pesos, now could be sold at 15.000 pesos.

So, in an environment of uncertainty not only internal but global financial crises, epidemics, failures of large international companies, loss of GDP globally, despite all this, metal coins, their value increases .

Even, “I could say that the metals are due to the following equation: the higher the risk, the more value, more uncertainty, become more valuable by providing certainty.”

More advantages

In the above we should add that such coins are accepted throughout the world, which may not happen with some tickets as they are only a representation.

Alba Monroy explains that behind all the paper currency to be issued in any country are the reserves of metals, particularly gold.

Another advantage is that people can hoard the coins in your home, do not occupy much space and so “those who are very fussy with their money and do not like to lose perspective, this is a good option.”

Worth remembering that although the values in the home are vulnerable to theft.

Two markets to buy and sell

As to buying and selling, there are two markets.

One is the formal, which are brokerage firms and banking institutions, and informal, who are devoted to numismatics, collectors or simply intermediaries.

The difference is that in the first, the price of these metals coins are due to an international market, while in the latter are more closely tied to the will and experience of the appraisers.

So very sure if someone is in need of selling such securities and goes to the informal market, will receive less money in return.

And if that is required is immediate and temporary liquidity, firms pledge are the alternative.

Gifts that encourage savings

Gold and silver are precious gifts and very well accepted. So that gift is tantamount to handing a small investment, which eventually can grow.

Of course, there are events in the life of all persons who are not planned, but in many cases we can take control of our lives and have a clearer idea of what we want.
The important thing is that we are prepared for the future, because none of us will be forever young.
In this context, the question we have to do is: what is the best way to invest our resources?

For this question there is no easy answer, because the truth is that there are various ways to grow our revenues.
I would, however, talk of an option, a simple and very practical, we need to invest our resources, I refer to the investment funds.

In an investment fund must be added the resources of several people, so the experts who manage the investments of that group of people have greater freedom to negotiate and can achieve better conditions for the investor. In United States, there are an infinite number of investment funds, unfortunately many of us are left without participating in the benefits offered by this type of financial instruments due to ignorance.

Furthermore, depending on our individual situation and the needs we have, as well as our future plans, there will be an alternative to our measure. So my advice to you is that closely approximate the investment experts to advise them and also may plan this very important aspect of your life.

The recession is forcing the governments of developed countries to put the machine in emissions at full capacity. Banks Société Générale and Goldman Sachs provide a placement of paper backed by states close to a billion euros in 2009 in the euro area, and around 2 trillion U.S. dollars. Regardless of how the market digested this avalanche of sovereign bonds (see attached information), the supply of these assets-usually regarded as a safe-is expanding dramatically, opening up investment choices for savers.

What time is the most interesting? What are the areas most attractive? What keys should be fixed? There is no single answer: it depends, as always, needs and objectives of each investor.

The first thing that is useful to distinguish whether the investment is made-to-maturity in which case it is payback plus interest (the coupon) that is received annually, or with intent to undo it before, which is being exposed the risks of trading on the market and the trend in interest rates.

The managers are incorporating small percentages of holdings of fixed income at risk

In the first case, that would be most suitable for the risk-averse savers, experts believe that the profitability of long-term bonds starting at 5 years is quite appealing in some European countries including Spain . Bonds Spanish ten years offer a return of 4197%. It is true that the Spanish government bond yield, which moves in the opposite direction to prices, has risen considerably by the reduction of the debt rating of the Kingdom of Spain (-AAA to AA +) – from the rating agency Risk Standard & Poor’s on January 19.

Low risk
However, professionals discarded the Spanish, despite going to take to address problems in the future to pay its debt, so do not hesitate to recommend these claims on the bonds of other European countries maintain the highest credit rating, such as Germany. “The spread between the bond and the German-Spanish around 110 basis points, not seen since before the launch of the euro, and more likely to be indicating that Spain could not remain in the single currency as it happened , “explains José Manuel Villamor, investment director of A & G.

Professionals “barely see value in bonds, the U.S. 10 years offers a 2759% – and the Germans-a 3087% for the same period and the highest point on the interest, after the Spanish assets of a French – 3566% – 4325% a-Italians – and a 5722 Greek-% -. And out the debt of countries exposed to Eastern Europe-area that is going to happen bad, like Austria.

In any case, experts say the long-term debt “is no longer active as a refuge,” says Ignacio Victoriano, an analyst at Renta 4. “If sales of equities and looking refugiarte in debt, it is better to do on short notice,” says this expert. This despite the fact that returns on these products is currently low. U.S. bonds to two years offer a return of 0875%, the Germans of 1298%%, and the Spaniards of 1452%.

Choosing a short term investment in government bonds given more leeway with regard to changes in interest rates.

Currently, expected cuts in the official price of European money, which is 2% – which would produce downward adjustments of the profitability of current emissions, which come together the resulting spike in prices. “What remains for lower rates in Europe is what we can gain from short-term debt,” said Ruben Garcia Paez, general manager of Threadneedle to Iberia, Italy and Latin America. This would be a bet on the appreciation of the title, something similar to investing in the stock market you are buying an asset at a price to sell more expensive.

Through funds
Whatever the time frame that works best in the interests of savers, and although the public debt market is perfectly accessible to the subject (see attached information), most experts recommend going into debt through the funds investment. However, one should bear in mind that these operators are betting on revaluations in both price and income via coupons, which invest in government bonds through funds may result in losses.

However, you can take advantage of movements in the curve of interest rates with less risk because it is managed by professionals, “said Marie Fernandez, manager of Bank Inversis. Investment in such assets through investment fund can also add a small percentage of exposure to fixed income with a higher risk but higher expected return, such as public debt of some emerging .

However, with “great care”, as stressed by Villamor. “We must be very selective, but some emerging countries are even stronger balance sheets than their counterparts. What is happening now is that with risk aversion, suffer more, but are an interesting option in the long term, local currency, “says Sasha Evers, director of BNY Mellon AM Iberia.

In this sense, Brazil is a market favorite of the experts and the public debt of the South American giant is the most weight in the BNY Mellon Emerging Markets Local Currency Debt Fund, which also includes the sovereign debt of nine other emerging countries . The fund accumulates some of the gains of 3.7% so far this year.

Another option proposed by the fund managers is to tap the opportunities of corporate bonds of high quality, incorporating a small percentage of these assets in the portfolios of bonds to try to scrape hints of profitability. This is how, for example, Threadneedle Target Return Fund, a “very conservative” (earns 8.26% in the last twelve months), composed of a majority of government debt – “a few months ago was totally debt” García-points, of which 67% is AAA, which is adding debt to investment grade corporate. It should be noted that this product is aimed at institutional investors.

Effects of paper that comes
What will happen with all that paper coming? “Everything depends on the team return and risk. Cost increases for government simply because it has a peak circulation of paper. But if he offers something interesting, buy, “says Ignacio Victoriano, an analyst at Renta 4.

Experts agree that, theoretically, with more paper in the market, states should launch emissions at lower prices and thus higher returns. But Marian Fernandez, manager of Bank Inversis that “should not mislead. With expected growth of world economies so low, should not be surprising that yields remain too low. This happened in Japan. ”

Other experts stress that the measures being taken by governments can stop generating inflation, which “will continue even if emissions, interest rates also will rise,” said José Manuel Villamor, investment director of A & G. But neither are missing who are convinced that the recession will be long and deep, are beginning to warn of a risk you are creating an irrational demand for government debt to finish creating a new bubble.

The fear of inflation in the long term, increased by the massive economic stimulus package enacted in the United States this week has led investors to buy gold which is perceived as an attractive haven against economic problems.

“I think there is a bit of panic. The new shares are minimal, and gold is a place to escape. I do not think there’s much more than that, “said Robert MacIntosh, chief economist at Eaton Vance.

Gold on Friday continued to appreciate against other assets and raw materials for fear that the U.S. government is forced to nationalize banks amid a financial crisis worsens.

In the metals division, Comex, the New York Mercantile Exchange, gold for future delivery in April closed with a rise of 25.70 dollars or 2.6%, to 1002.20 dollars.

During the day, futures peaked at 1007.70 dollars, the highest price since March 2008, while spot gold fell more than 1005.40 dollars, its highest level since November 18.

The metal may rise further, analysts said, possibly to the historical record of 1030.80 U.S. dollars from last March.

The U.S. stock markets plunged to 3%, its lowest level since November, before recovering partially. The fall of the titles increased attractiveness of safe haven assets like gold.

Is very interesting to assess the real value of a company compared to the market price to know that you could invest in a certain facilities in some specific company, which is based on analysts to make statements about good possibility of investing in certain companies.

Is not very complex approach. If for example we have a company with real value (which has its capital stock, net of accounts, assets and dividends) per share is 2 euros, and its market price (the stock price) is 1.20 euros, be able to buy something much cheaper that is worth more.

It is true that not always worth the price calculation is simple and reliable, the risk is complex, but we can get a very good long-term profitability of these companies. Normally the price value was calculated through fundamental analysis, which all affect the economic circumstances that may affect our portfolio of these securities.

Something that will always be favorable is that, following the example, we will call a safety margin between 1.20 euro and 2 euros, so we can take into account the stock price as a way of knowing to what extent we deserve penalty or not to maintain our investment and continue to invest in it.

The goal for both the analysis between business value and price are understandable, with good long-term prospects, led by honest and competent people who contribute to an attractive price.