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Who understands the financial advisors?

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Forgive me financial advisers, but their tips are often unintelligible. Moreover, I’m not the only one who thinks so: 50% of investors do not fully understand acknowledge the advice of his counsel, and that nearly 90% of professionals considered to have done his job and left her satisfied customers according to a etude which echoes the Gestiohna brokerage.

Another report, prepared by the Centre Inverco gives us more data and suggests that the more dynamic and younger the investor, the more knowledge you have of financial products. The trouble is that the profile of the average saving is, rather, that of a man older than 50 years and a conservative in their investments.

To facilitate understanding between client and consultant, Gestiohna includes “10 key concepts that every investor should know in times of crisis” and which I reproduce verbatim:

REDUCTION OF BETA is the risk indicator reflecting the sensitivity of a stock to market fluctuations. With a beta less than one, the action will tend to collect only part of the market movements, making it more stable and talked of a “defensive value.”

Problem subprime mortgage credit risk borrowers (people with no income, no job, no assets) in the U.S. residential market, which highlighted the shortcomings of a system based on subprime mortgages and was one of the triggers for world economic crisis.

DIVERSIFICATION OF THE INVESTMENT PORTFOLIO selection of securities, securities, sectors or countries without a strong relationship with each other to reduce the risk incurred by the investor.

INVESTMENT FUNDS a Gestiohna According to experts, “in the current economic environment is the most appropriate product for individual investors because they allow you to build a portfolio to maximize profitability without incurring high risks.”

Hedge funds are hedge fund that were once identified as one of the main culprits of the crisis by their speculative positions, and that during the past year, have staged a historic way of capital has led to the demise of much of this industry. However, it seems that once again regain its strength.

INVESTOR PROFILE a saving features that determine their investments based on their expectations and their ability to take the risk. The Spanish investor profile is conservative, older than 50 years, which relies more on banks than other sources when choosing a product in which to invest, according to a recent study presented by the Centre Inverco.

Bailout injection of public money being carried out by governments of different countries for the revival of their national economies.

RATING AAA (Triple A) A Maximum credit quality rating of a country’s public debt issued by agencies like Moody’s. Spain recently became the first state to AAA in face possible loss of that designation. Spain currently holds the top rating but, according to Moody’s latest report, the fiscal adjustment will be “long and painful.”

THRESHOLD 10,000 points psychological level of Stock Exchange listing, in case of sales or exceeded, triggers strong contrasting moods. During those days can rein restlessness, or euphoria among investors.

Deviation parameter that measures the price risk of financial assets in terms of fluctuations or variations in price over a period of time.

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