There is no perfect time to start investing. If you have savings and you do not know what to do with them, we suggest you start investing today in the capital markets. But first, keep these recommendations in mind:

1. Know your investor profile: are you high, medium or low risk tolerant? Discover your profile in the following link from the CMF, which explains in detail the different profiles and the types of instruments in which you could invest.
2. Explore the products available: in the market you will find a variety of options such as equities, debt instruments, financial intermediation instruments, mutual fund shares, and investment fund shares, among others.
3. Seek professional advice: consult with intermediaries, securities brokers or fund managers, who are the only ones authorized to operate in the capital market. These experts will guide you in the purchase and sale of securities and will show you the various alternatives available.
4. Find out about commissions: before signing a contract with an advisor, make sure you know the fees they charge and choose the one that best suits your needs.

Why invest in the capital markets:

- Diversity of options: the market offers a broad portfolio of instruments to suit different needs and risk profiles.

- Regulation and transparency: entities such as the Financial Market Commission (CMF) and the Central Bank guarantee fair and transparent conditions.

- Return potential: the market offers higher return opportunities than traditional savings options.

Tips for investing in the capital markets:

1. Define your goals and priorities: set clear objectives and determine how much risk you are willing to take.
2. Diversify your portfolio: don't put all your resources into one investment. Diversification reduces the overall risk of your portfolio.
3. Be informed and analyze: study the issuing company, review financial reports and keep abreast of the economic and political context.
4. Consult professionals: seek out licensed and experienced financial intermediaries for personalized advice.

Investment instruments available:

- Debt instruments and financial intermediation: both offer fixed and known returns, making them ideal for conservative investors seeking stability.

- Capitalization instruments: their profitability varies according to market conditions, making them ideal for risky investors seeking higher returns.

With proper and the right information, you can make the most of the opportunities you can make the most of the opportunities the market offers at every stage of your life.

Claudia Jamett
Private Debt Analyst Fynsa AGF