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Araceli Susunaga

Financial education: Investments


Saving or investing, what should I consider before deciding?


The dilemma you may find yourself in regarding what to do with your savings can cause you stress. The important thing is that before deciding, you consider what the experts say you should do.




But what is the investment of financial resources? Investing is putting part of these resources (savings) to work in the hope of obtaining economic benefits in the future, that is, that they generate more money or profits. Once you have done so, you must keep in mind that you will not be able to use these resources that are in investment quality for a certain period of time.


Before deciding what to invest in, BBVA recommends “seeking to obtain the highest return, the lowest risk and the shortest possible time to achieve profits.”


Therefore, if you are going to invest for the first time, do the following:

  • Make a plan and set goals for what you want to earn.

  • Choose from the range of possible investments those that most attract your attention and check the amount or percentage of commissions that you will be charged.

  • Once you have made your choice, monitor your investment(s) to see progress (returns or losses) and pay attention to maturity dates.

  • Just as with savings, if you invest in a financial institution, make sure it is regulated by the appropriate agency.

  • If you decide to continue investing your financial resources, you need to continue researching to be able to make better investments of your savings.


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