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Create an investment portfolio from scratch
Thinking of investing?
In that case, you'll need to start familiarising yourself with a few technical terms, such as 'investment portfolio'. We'll explain what it is and tell you everything you need to bear in mind.
What is an investment portfolio?
An investment portfolio is simply the set of assets in which you are investing. As well as matching your investment profile it should follow a strategy at all times. It may include all your savings and assets.
A good portfolio will put your money to work with the aim of obtaining a return. You should try to identify your risk profile as accurately as possible so you don't put too much at stake because these products can lead to a loss of capital.
The most important thing to do when investing is to stick to these golden rules:
- Be well informed and/or well advised.
- Try to diversify.
- Try not to think about the immediate benefit or reward. Remember that with investment funds you may not get back what you invest.
How does an investment portfolio work?
Although you can manage your portfolio yourself, most investors entrust this task to an expert. There are two types of portfolio management: active management, where the investment decisions are made according to the criteria of the fund management team, who decide what to invest in based on their opinion and the information available to them; and passive management, where the sole aim is to replicate a stock index.
In principle, if you're new to investing you should avoid complex products. If you're thinking of investing in funds, you can set up a regular investment plan and make regular contributions to it. This will allow you to invest systematically with minimal effort and little by little according to your saving capacity.
What should you bear in mind when building your investment portfolio?
First and foremost, put yourselves in the hands of an expert so they can analyse your situation and propose a suitable combination of assets. Be wary of advice from friends and don't get carried away by rumours. And if you prefer to take a back seat, let a trusted portfolio management service move your assets for you.
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Determine your investor profile.
Be as realistic as possible. What is your financial situation? What are your liquidity needs? What investment horizon do you want to set? What risks are you willing to assume? There are three profiles based on risk tolerance: conservative, medium (moderate) and aggressive. You can choose from a wide range of tools to calculate your own risk level.
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Be clear about your objectives.
Knowing what you want to achieve with your investment is another key aspect. Depending on your stage of life and the risk you are willing to assume in your investment, there are three main objectives to consider: security, growth and income. If security is your top priority, bear in mind that investment products can lead to a loss of capital so they may not be for you.
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Set some times and maturities.
It's important to set a time horizon. You can make a long-term investment, which refers to upwards of 5 years; a medium-term investment, spread over 1 to 5 years; and a short-term investment that matures in less than a year.
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Diversification and risk-return.
The ability to generate returns is known as profitability. In an investment, future returns are not certain. They can be big, small or non-existent, and you could even lose the capital you invested. This uncertainty is known as risk, and it is important to diversify and adjust your investment to your risk profile. Make sure you understand the relationship between return and risk.
Expected return. The lower the expected return, the lower the risk.
Potential risk. And conversely: the higher the expected return, the higher the risk.
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Decide your initial investment.
The money you need will depend on what you can afford, but we recommend a minimum of €1,000 or €2,000 per investment. The important thing to remember is that your investment should not affect your financial stability.
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Bear in mind the expenses and fees.
These are two very important aspects to bear in mind when creating your portfolio. Naturally, if you use an expert advisor or a broker to buy and sell shares on your behalf, or to manage your funds, you will have to pay a fee. You will also be liable for the common fees explained below, so be sure you know about them before you purchase a product. They should be specified in the product prospectus. The most common fees refer to the trading, custody and administration of securities, portfolio management, and financial advice.
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Monitor your investment.
Remember, the process doesn't end once you've chosen the products and put your money into them. Monitoring and periodically reviewing your investment to make any necessary adjustments is just as important as making wise choices in the first place.
Customised solutions, because we all have different needs.
There are no good formulas and bad formulas. When creating your investment portfolio, it's important to be able to access the investment products and formulas that suit you, not the other way around. We offer a simple way of identifying the products that are right for you, for your investor profile and for your assets.
If you want to be the one making the decisions:
Profiled funds1
Profiled fund for different investor profiles. Sign in as an investor and we'll offer you a selection of funds adapted to your profile.
- Conservative
- Dynamic
- Aggressive
Foreign currency deposits2
Another way of investing:
- Deposits in dollars
- From 6 months
- From €9,000
- Deposits in dollars
- From 6 months
- From €9,000
Bankinter Broker
An online broker adapted to all levels, from beginners to professionals. Everything in one place.
- More than 30 markets
- Customisable tools to invest more easily and intuitively
- With a wide range of products: stocks, ETFs, futures, listed products, and more.
If you'd like some advice but still want to make your own decisions:
Capital Advisor
The first 100% digital investment advisor.
- From €10,000
- 100% professional
- 100% customisable
Investment planning
We help you answer the following questions to create an investment strategy adapted to your needs:
- What do you want?
- What do you expect?
- What do you need?
Ad hoc advice
Obtain on-the-spot advice from any Bankinter branch or by calling our telephone banking service to help you make the right decisions.
- From €500
If you want to delegate the decision-making to experts:
Delegated investment
Two types of management: risk management and basic management.
- From €1,000
- Choose between basic management and risk management
- For funds, pension plans, EPSVs and securities
Roboadvisor: our digital investment manager
Two types of management: risk management and basic management.
- From €1,000
- Delegate the management of your investments online in three simple steps
- Managed funds, index funds and pension plans
Excellence Management
A customised service where you delegate the management of some of your assets, but always based on your objectives.
- From €300,000
- Fund portfolios in euros and US dollars
- Multi-asset portfolios: funds, ETFs and securities
FAQs with clear answers.
Our FAQs section answers the questions you have trouble understanding about financial products: pension plans, investment funds, etc.
IMPORTANT INFORMATION
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Show/Hide legal text1 Investment funds: The key investor information document, prospectus and all other legal documents related to Bankinter's collective investment institutions are available in Spanish at any of our branches, on the Bankinter website (www.bankinter.com) and on the website of the Spanish National Securities Market Commission (CNMV).
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Show/Hide legal text2 Foreign currency deposits: this product entails risks associated with exchange rate movements.