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Risparmi & investimenti: applicazioni su misura e nuove ricette di mercato

Si sta per concludere un'estate a dir poco rovente per i mercati finanziari iniziata tra le mille incertezze: dalle varie dichiarazioni del governo italiano in carica, passando per i dazi promessi dal presidente statunitense Trump fino ad arrivare al crollo della lira turca.

Nonostante le varie vicissitudini non è detto che il "gioco" in difesa dei risparmiatori sia la carta vincente in questo scenario instabile.

La volontà di investire nei titoli di italiani non è sicuramente alta analizzando i dati del nostro paese (debito pubblico di 2.300 miliardi € e la distanza di rendimento tra Bund e Btp di circa 280 punti).

In realtà questi rendimenti sarebbero un'ottima possibilità di acquisto, se non fosse per l'incognita troppo gravosa che potrebbe arrivare con la prossima riforma finanziaria.

L'inserto “L'economia” del Corriere della sera, qualche giorno fa proponeva tre linee di investimento: a seconda della quantità di capitale disponibile e dalla propensione più o meno alta al rischio.

La prima opzione è per chi ha una disponibilità di capitale da investire di circa 10.000 €.

Il mix proposto è un 80 % in titoli di stato e obbligazioni societarie che godono di un’ottima salute e un restante 20 % in titoli ad alto rendimento che consentono di catturare valore ai nostri risparmi.

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La seconda alternativa è per chi ha una possibilità di investimento superiore esempio da 15.000 ai 50.000 €.

Il portafoglio sostanzialmente è bilanciato con circa il 60 % investito su una componente azionaria.

Di quest'ultima sezione: la prima metà riguarda azioni statunitensi e l'altra azioni europee, le quali costano si acquistano ad un minor prezzo ma ultimamente non hanno un rendimento all'altezza di quello raggiunto a Wall Street.

Per completare il grafico viene suggerito un 20 % di bond su obbligazioni a breve termine e un 25% di cash acquistando quando il mercato crolla ed alleggerendo nella fase di ripresa.

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Per chi ha invece a disposizione un capitale cospicuo di circa 100.000 € il consiglio è quello di destinarlo per un 50 % ad azioni Usa, vista la crescita progressiva dell'economia americana, un successivo 20 % suddivise equamente tra azioni europee e di altri paesi emergenti quali: Polonia, Malesia, Sud Corea o Taiwan.

Per concludere il restante 30 % affidato a strategie difensive che stabilizzano il proprio portafoglio, escludendo però titoli obbligazionari poiché troppo poco redditizi.

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Oltre a questi suggerimenti di mercato, figli dell'attuale situazione finanziaria mondiale, il consiglio per i giovani, è di iniziare ad accantonare piccole somme.

Sono nate delle applicazioni scaricabili gratuitamente da tutte le piattaforme Android o Apple, che consentono e suggeriscono l'accumulo personalizzato secondo le proprie abitudini di spesa.

Oval Money, Satispay e GoSherpy sono solo alcune tra quelle proposte dai vari quotidiani e siti di finanza.

Le applicazioni richiedono alcuni dati come il codice IBAN e il documento di identità.

Dopo alcuni passaggi le applicazioni si trasformano in veri e propri piani di accumulo.

I risparmi una volta messi da parte, possono essere trasferiti sul proprio conto corrente bancario ogni volta che lo riteniamo necessario e con un'attesa di 3 giorni circa i soldi saranno visibili presso la propria piattaforma.

I dati personali e delicati come privacy ed Iban sono garantiti dalle stesse applicazioni, le quali gestite da colossi dell'informatica, assicurano ogni tipo di transazione prevista. Come diceva il celebre Winston Churchill : “Non sempre cambiare equivale a migliorare ma per migliorare bisogna cambiare”

©2018 by Morsi di economia.