Jesuskana Finance Tips

Archive for the ‘Investment’ Category

A great way to invest in cash, and therefore without any risk if you do not see that it does not increase the initial capital, is to rely on online deposits.

These innovative tools, in fact, every year despite being hit by high taxation ( tax rate to 27 % ) were the protagonists of the biennium 2009-2010, which was characterized, as we know, from the total collapse of the returns in the very short term, become the means cash par excellence.

In 2011, these conditions persist macroeconomic and financial ( and experts suggest that it will actually be ) online deposits should guarantee the same conditions that have benefited the small savers.

The reasons that have determined and will determine the success of the online stores are to be found in the simplicity of operation, in the absence of commissions or any other type of expense management and the fact that offers comparatively higher yields of investment instruments similar to cash.

Despite all these advantages, however, we must pay particular attention to the cost of living because, in general, yields have gone online deposits falling in the second half of 2010.

To work around this problem, then, and overcome the fateful threshold of 1.7 % ( average inflation rate of 2011), would be good to choose a savings plan linked to at least 12 months due to the solution which we can achieve a return of records 2%.

Is a corporation which seeks to invest in financial assets, has great advantages as a tax of 1% corporate tax, but this must have certain requirements such as:

- Know the number of shares which must be 100 or more.
- We know the investment limit.
- We know what the capital variable between the minimum and maximum.
- The minimum capital is € 2,400,000.

Who are often those who use this investment vehicle:

This is the investment vehicle most often used by people with large capital, those who take advantage of the low interest. But however the ECDIS does not reduce taxes, but defines the payment as a mutual fund.

Historically, and perhaps that of ‘Spain is different’ in this country has believed that the best legacy we can leave our children is a floor. No top-level education or financial assets or works of art, no: a home paid in full. That’s one of the reasons why the housing boom that has swept Spain in recent years and has done so much damage once we arrived the crisis.

It seems the Government wants to fight this vision of saving, since in recent days has insisted from the State Secretariat for Economic Affairs (something like the enforcement arm of the Ministry of the same name) so we’re not going anywhere, and in fact some government measures have been aimed at curbing this trend (reduction of deductions for housing, rent subsidies …). But look at the data: where the money goes to the Spanish? Where to invest?

Having the nice ticket, the thing is clear: 3 out of 4 Euros which we invest, invest in brick. Far behind them are savings accounts and bank deposits, with only 11 out of 100 Euros, followed by actions with 7 of 100 Euros, half the insurance and derivatives. Thus, for every dollar of ‘real estate wealth’ Spanish families have 30 cents of money, either in cash or converted into financial products.