What is a good savings strategy?

A savings method that can contribute to achieving goals is the Savings Scheme, which is a strategy that guarantees investment discipline and continuity over time.

Through periodic investments, even small units, it is possible to build capital over time to achieve future goals. Thanks to the Savings Scheme, the habit of constant attention to daily expenses and daily savings allows the investment to grow in an easy and gradual way.
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What elements should be considered before investing?

When you have to decide how to invest your savings, you can choose between different types of financial instruments (cash, bonds and equity) each with its own specific risk and potential return characteristics.

The choice of instruments to invest in can be made in accordance with the risk and return objectives and the time period of the investment:

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Different categories of funds

The main difference concerns the financial assets in which they invest and, therefore, the potential risk and return that characterizes them:

• Liquidity funds or money market funds (also known as money funds) - These are funds that invest in short-term instruments (no more than 6 months) of the money market, the risk of which is low.
• Bond Funds - These are Funds that invest primarily in government and corporate bonds and are characterized by a generally lower degree of risk than equity funds.
• Balanced Funds - These are Funds that invest, in different parts, in both equity and bonds; therefore they are a combination of equity and bond funds. The level of risk of balanced funds increases with the increase of capital in the portfolio.
• Equity Funds - These are Funds that invest mainly in equity and are generally characterized by a high degree of risk.
• Flexible funds - These are funds that have no restrictions on the distribution of assets (equity bonds): their investment policy is not linked to a reference point, but to a measure of portfolio risk (Var).

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Content of this video is published for information and education purposes only on the products and services offered by Intesa Sanpaolo Bank Albania Sh.a. Any information provided in this document does not constitute investment advice or investment recommendation nor does it constitute an offer to buy or sell or a solicitation of an offer to buy or sell shares or units in investment funds or other financial instruments, nor should it be deemed to be an offer, or a solicitation of an offer, to purchase or sell any investment product or service.