With the new year just started, there comes a long list of desires and purposes, and also for the savers, which are considering how to start saving from January and, at the same time, to seek a higher return on their money. The solution is to invest. In a context of interest rates negative, many spaniards have begun to invest part of their savings, canalizándolos to other alternatives. One of which is more booming are the investment funds.

it is true that until a few years ago, the investment operations were more complicated. Today everything has changed thanks to technology: the digitalization has facilitated a lot of things, and the current investors have never been easier. If before it was impossible to invest only online, without having to go to a bank office, now managers of digital allow you to skip the procedures of physical to provide greater comfort.

For those who want to bet on the investment funds, these digital platforms are a way of recurring. They were born in the U.S. as roboadvisors, and came to Spain five years ago. In banking, the first manager, digital investment was launched Bankinter: this is Popcoin.

This service is designed for investors who seek a higher return than other saving alternatives, and that do not have the time to directly manage your investment. To do this, Popcoin about these investors the investment solutions that provide profiles of high net worth. And all of this in a service that is within one of the major financial institutions. The I Barometer of Investment of Popcoin already reflected that 94% of respondents claimed to evaluate positively that the investments are backed by a bank.

High online and in a few minutes

starting At just € 1,000, the investor can register a fast and easy way and hire a portfolio of funds from their mobile phone or from your computer. The operational Popcoin is 100% digital, no papers or paperwork face-to-face.

Simply register on the website of Popcoin, link a checking account from any financial institution with activity in Spain and to indicate their preferences at the time of investing and the amount of the investment. It is not necessary to be a client of Bankinter because Popcoin is a service of open investment.

from these data, Popcoin proposes an investment portfolio contains a selection of funds through a quality audit by the Department of Analysis and Markets at Bankinter. In addition, the management team reviews the portfolio periodically, to monitor the evolution of the markets. The client does not have to worry about any additional procedures and receives continuing information on the evolution of his investment. The objective of Popcoin is to get you the best return according to the investor profile, and try to always maintain the conservation of their heritage.

The questions proposed Popcoin do that, quickly and easily, the investor knows what kind of investor profile, depending on your appetite for risk stock: the greater the risk, greater the investment of the funds in the Stock market. According to the estimates of the Analysis Department of Bankinter, 2020 will be another year to place more emphasis on the income variable (Stock) that by the fixed income.

Five risk profiles

There are five types according to the risk profile (defensive, conservative, moderate, dynamic and aggressive), with a lower or higher exposure to variable income. Once you have selected the profile, the user can choose an active management or a management indexed. In the first, the active, the inverter is left in the hands of experts the investment, who are also responsible for the tracking of funds. In this mode, there are ten portfolios: five invest in the Euro zone (called portfolios “domestic”) and five in the global area, preferably in the united States. So, the plan defensive has an investment in Stock market of up to 15%, while the conservative invests up to 25%; moderate, up to 40%; the dynamic, up to 55% and the aggressive, up to 70%.

on the other hand, the management index has five portfolios, all of which are of global scope. This management shows some more competitive prices, because here the investor prioritizes to go with the movement of the markets. In this case, the management indexed imitates what a stock index, its evolution. Here, the plan defensive has an investment in Stock market of up to 15%, while the conservative devotes up to 25%; moderate, up to 40%; the dynamic, up to 55% and the aggressive, up to 70%.

The pricing scheme of mutual funds Popcoin is simple. In the case of portfolios of managed funds, there is a commission of the management of the portfolio of 0,73%. For the portfolios of index funds, the commission is of 0,49%.

In the funds, like any investment, past performance does not assure future returns. But investors themselves are fixed in evolution that has had a specific type of asset at the time of deciding where to allocate your money. In this year, the returns of the portfolios of Popcoin have been, with data from January to December of 2019, between 3,72% and the 19,04%.

So that the investor can make their own decisions, Popcoin puts at your disposal a comparator, as well as all the available information about the portfolios.

In short, the service Popcoin presents a simple way to invest in funds without leaving home, via mobile, computer or tablet. And knowing that behind this service is a bank with long experience in the Spanish market, as is Bankinter, one of the most solvent and profitable financial system.