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Advantages

1. A low threshold for making the investment, the participants get the same return with a major investment with a small investment.

2. A professional management, to be managed the estate by a group of specialists in financial markets is “certain” that will see improved returns on investments made ​​that a layman.

3. Security, purchase shares in a mutual fund in all its forms makes no matter how small our investment, it is diversified in a large number of assets giving us greater security in our investment. Simultaneously, the existence of a professional manager involves a safety plus.

4. Taxation, investment funds have a tax advantage, on the basis that the returns have no fiscal impact until they repay part or all of our investment, while the taxed as income property is permitted offsetting gains with losses.
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• Taxation of natural persons-particular-
• Taxation of legal persons, companies,
• Taxation of the fund itself

One of the advantages of our savings to invest through mutual funds is the tax advantage that these products have in relation to other types of investment. In this sense, the most noteworthy is its heritage as income tax, which allows compensation for capital gains, positive income, disabled, negative returns.
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Guaranteed Funds:

a) Characteristics

• Ensure the principal of the investment or a percentage (90% of investment) and a variable or fixed return.
• It is semi-open funds, recruitment should be done at a fixed time, so do not accrue hefty commissions or lose the character of guarantee, if the index-linked funds or set of indices.
• For the refund during the warranty period is usually earn hefty commissions.
• Liquidity is limited during the warranty period.

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a) Open

In this type of investment funds, we can perform at any time, while selling our shares at any time and without notice.

c) Closed

In this case when we can make the investment and is preset to recover and therefore we can only invest or divest specific dates. The most common case is that of real estate funds where the investment has to be done on fixed dates and reimbursement also in addition to having advance notice of our intention to sell.
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This is the most important and classification groups the different funds depending on the type of financial assets in which they invest.

a) money market funds (Investment Funds Money Market Assets)

These funds invest in money market assets, also known as money funds. These are funds with a minimum risk level, which is not the same thing that we can not get lost.

Its main features are:

• Type of investments: Fixed income assets public and private.
• Maximum maturity of investment: 18 months. Short-term orientation.

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In relation to the assets they invest

This is the most important and classification groups the different funds depending on the type of financial assets in which they invest.

a) money market funds (Investment Funds Money Market Assets)

These funds invest in money market assets, also known as money funds. These are funds with a minimum risk level, which is not the same thing that we can not get lost.

Its main features are:

• Type of investments: Fixed income assets public and private.
• Maximum maturity of investment: 18 months. Short-term orientation.

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In most cases there is a perception that investment in such assets is costless, which is absolutely not true.

So the investment through an investment fund is subject to a number of expenses and fees that are deducted from the gross return earned by assets invested in the fund’s assets.

Consequently, and according to the characteristics of the investment fund, such committees can play a vital importance for the net return earned by participants.

Management Fee

It is what it charges for carrying out the manager’s capital management invested in the fund, the commission varies depending on the type of investment fund, with its maximum set by law. See table of maximum fees.
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What documentation must I have before making the investment?

To choose the most suitable background for the level of risk we are willing to take, and to explain the operation and type of investments made by the manager must request the following documents:

a) Management Regulations , this document lays down the characteristics in terms of commissions and investment philosophy that made ​​the manager. So this paper reports on the type of assets in which it invests, the average life of the portfolio, and so on.

b) Latest Annual Report , this document describes the evolution of the assets and net asset value of the fund during the last year so we can compare their performance and development with the remaining funds to be integrated into the same category.
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What is an Investment Fund?

An investment fund, is merely the formation of a volume of savings, individual or corporate, which is managed by a group of professionals specializing in making investments in financial markets, in order to obtain a higher return than would each of the participants separately.

Who are the persons or entities involved in an investment fund?

As much as we all know as the Investment Fund is a series of persons or entities that perform different functions:
a) Participants are the people who invest their money.
b) Management is the company or entity that manages all the money contributed by the various participants.
c) Trustee is the financial institution where the deposit and custody of financial assets in which the manager has invested and the capital invested.
d) Investment Fund, the fund itself has legal personality which has its advantages and disadvantages.
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At a time when many people are looking for reliable alternatives to your money grows, mutual funds emerge as an attractive, profitable and safe. However, it is clear that there is some ignorance on this figure.

As its name suggests, corresponds to a vehicle created to channel investment into real estate, and could be understood as a connector between the capital market (money) and real estate (properties). The fund uses the resources of investors to acquire real estate portfolios on which to generate a return result of income from leases and / or recovery of assets.

Although in the past there have been several ways of channeling investment in such assets, only since 2007-the year in which created the relevant regulatory framework-have been creating various funds that direct savings from the public market of real estate.
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