In his latest report, called “World Economic Outlook”, the World Bank (WB) expects that Latin America will have less development worldwide in 2023. With slower growth of up to 1.3% this year, the global entity indicates that the region will continue to face this year the impact of a high inflationto the increase in interest rates and the reduction of investments.
For Adriana Cuéllar, country manager of Libertex, the behavior of some factors in the world economy could be counterproductive in the future global economic performance this year. “The increase in interest rates managed by the central banks of the main economies of the world that sought to slow down inflation has as a result that the economic scenario enters a worrisome recession condition, and that has been generating effects on the consumption of goods and services“, mentions.
Faced with this scenario, the specialist explains that inflation will play an important role, since the amount of money is not worth the same as a year ago, so investing savings and keeping debts to a minimum will be key for Peruvians. “In the current economic context of our country, it will be essential to put the payment of debts first, especially those with higher rates. Likewise, it will be advisable to contribute to the capital of large loans, since it will allow the term or the amount of the monthly installments to be reduced.indicates.
Investment as an option
The decline of some sectors promotes the growth of other opportunities. That also happens in investments. The local and regional situation, in the face of inflation, recession and political instability, has aroused the interest of those who seek to increase their savings or income and point to investment alternatives. “In 2022, Peruvians have had to use their savings to cover expenses and/or have not been able to save. However, in case of having a saved capital, they have the option of reinvesting it in parallel or additional investment funds, in such a way that their money continues to generate interest or increase”, says Cuellar.
However, these are not the only avenues of investment that Peruvians have. “Today, there are different investment instruments that allow Peruvians to grow their savings: from investing in shares of large companies, currency trading, to cryptocurrencies or the metaverse. In the same way, they can directly manage and decide what to invest in, as long as they have adequate information.”, says the specialist.
In this line, she explains the opportunities and risks regarding the main investment modalities that can be accessed today:
- CFD (contract for difference, according to its acronym in English). It allows people to trade freely without actually owning the underlying asset or acquiring any kind of right or obligation to it. With this, the investor can operate with flexibility in the face of price rises and falls, without actually buying the asset.
“The positive thing is that this type of investment leverages, that is, having a position greater than the amount of money available, which increases the possibility of profit and risk.”, says Cuellar.
- The trading It has been generating more interest among investors. It deals with the purchase and sale of listed assets with a lot of market liquidity (shares, currencies and futures), with the particularity that it is an economic financial market.
“These operations are done through trading platforms, which must be regulated by organizations such as NFA (United States), CFTC (United States), CNMV (Spain), BaFin (Germany), FCA (United Kingdom) CySEC (Cyprus). ). This is key to avoiding theft and online scams”, recommends the specialist.
- Actions. This is a more traditional instrument, about which people may have greater knowledge. Today it is possible to invest in stocks in the United States, you must consider the risks and volatility, as well as consider that this year, stocks in the United States have fallen close to 20%. “On this instrument, the importance of being informed is vital, as well as knowing the market to avoid losses”he emphasizes.
In general terms, Cuéllar points out that Peruvians must be cautious and that when considering the investment of savings, the first thing is to educate yourself. “In addition to knowing the main investment instruments that they can access, it is essential that Peruvian users understand and stay informed about how the markets move worldwide; so that they can look for various investment options in order to generate additional income, as well as properly manage their expenses and save what they have”, ends.
