Hiring a bottom and go to sleep it loses meaning. Given the numerous sources of uncertainty in the market, adapt to changing times investment is essential. And in that small shareholders are investment funds. The transfer of money from one product to another are increasing substantially.

In the first nine months of the year, 22.739 million were transferred euros from investment funds (as of Inverco), representing 16.8 percent of all assets of this market (135.753 million euros). The average monthly and this year stands at 2.526 million euros, up 15 percent from the year 2010 (when pierced 2,200 million euros on average per month).


But where does the money go? The greater dynamism of the participant for their money transfer contrast, however, with the final destination for their investments. In the first nine months of the year, funds more capital inflows are receiving are the most conservative categories: income new fixed and guaranteed. Go into the whole wins to secure the biggest concerns off the debt markets and equities in Europe.

Apart from the investment policy, there is no doubt that more and more participants want to use the special quality of fiscal funds: to transfer money from one product to another without having to pay capital gains generated by the Treasury. There is a deferral tax, so until there is no definitive reimbursement, do not go through the Treasury. The fund, therefore, can tailor the portfolio to market conditions with great ease and without incurring a tax.

Just to strong investor risk aversion Spanish, some managers are advising the shift towards low risk funds as a way to contain the outputs of equity to other products, such as deposits.

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