Invest or not investing?, That is the issue and more in these times when there is no certainty about the future of the economy and the risks are the order of the day. Several days of red numbers and rampant fear between operators The market is proof of this and have led to this question sound more and more force.
Likewise, the combination between geopolitical tensions, high interest rates, persistent inflation and accelerated technological advances such as artificial intelligence is configuring an uncertain panorama for investors in which the need for clear financial strategies, founded already proof of volatility has become more urgent than ever.
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“The current situation not only requires adaptation capacity, also greater rigor in financial analysis. It is not enough to diversify, we must understand what risks are assumed and why, ”says Mario Estupiñán, president of the Western Trust, who highlights the importance of maintaining a long -term look and making informed decisions, instead of reactive.
An aspect that is marking investment decisions is the growing attention to factors such as sustainability and emerging technology. According to the Global Investor Survey of PWC 2023, 71% of investors consider key adoption of artificial intelligence, while three out of four value sustainability management as a relevant factor in their decision making.
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However, 94% expresses doubts about the veracity and depth of corporate reports in these matters, generating A challenging panorama for investors, who must focus on generating confidence to their customers.
This environment of high demand and low trust has led many investors to question how to protect their resources without losing sight of growth opportunities. “We often see that emotions and panic end up guiding important financial decisions. The key is to keep the head cold and have a strategy consistent with the objectives of the investor,” explains Estupiñán.
A survey carried out by fiduoccidente to more than 732 people through its website in the last year revealed that 60.5% of the participants have a conservative profile, 39.1% are considered moderate and only 1.3% are identified as risky. These results show a marked trend towards caution and They reinforce the importance of adapting investment decisions to the real risk profile of each person.
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How to navigate in the storm?
Starting from the fact that the most important thing in uncertainty is having a clear strategy, from Fiduoccident they shared five recommendations not to get carried away by fear, starting by defining the investor’s risk profile and knowing if you have a conservative, moderate or aggressive posture helps choose financial products consistent with risk tolerance.
“Intelligently diversifying and not concentrating on a single type of asset or market. Including bonds, fixed income, international coins and indexes can help mitigate losses. Also consult with experts and have professional advice It allows to interpret the financial panorama objectively and avoid hasty decisions, ”they added.
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Fourth, they said that it is important to avoid reacting to market noise and remember that volatility is not always alarm, since sometimes, it is an opportunity to adjust, not to run away.
“It is important to take historical perspective. The Dow Jones index, for example, He has shown a trend of sustained growth in the long term, even after deep crises such as 2008 or the 2020 pandemic. Beyond magical formulas, what experts recommend today is to act with criteria and know in depth the available tools, ”said these experts.
This all of the above closed stating that as in daily life one decides whether to cross a street according to the traffic light and its level of risk, in the financial world it is also key to know when to move, when to wait and when to adjust the course.
“Because investing, in short, is not just a financial decision. It is a way to face the future with intelligence and preparation, ”they concluded.
