Several investment alternatives are available in the country. Although due to each person’s financial problems, there is not always the intention to invest due to fear of loss or debt. Some even confuse investment costs.

It is common for consumers to confuse when an expense equals an investment. In this case, the investment represents a short-term or long-term benefitinstead, simply A cost is equivalent to using economic resources to obtain something that does not benefit the person.

Consumption removes capital. It must be very clear that when you make an expense, it won’t come back. Instead, by working The investment is paid for a good or service from which a certain return will be realized. This can be the same, although it is best to increase it.

“Investment presupposes the creation of profits in the future. in my opinion, the most favorable investments are those that enable the creation of more sustainable benefits, such as education because it represents an improvement that is sustainable over time,” points out the dean and professor of finance at the Universidad del Río, Francisco Parodi.

It is important to invest in safe mechanisms, for which it is necessary to investigate all possibilities in detail: what they consist of, how they work, what are their guarantees and support, to avoid losses or fraud.

“Although there are several investment options, due to ignorance, few people in Ecuador invest in specialized tools to attract investment. Financial education is the best weapon against possible fraud and the best ally to achieve secure profitability”, explains Esteban Correa, Commercial Assistant Director of Andalusia.

The most profitable options with low risk

1. Term investments:

The banking system and the sector of the popular and solidarity economy are undoubtedly the safest mechanisms for investment, thanks to the formality and legal scheme that controls them, as long as they correspond to duly registered entities. Under this alternative, Savings cooperatives are the best investment option, as they offer a better rate of return along with a level of security and a risk rating equal or similar to that of private banks.

2. Actions:

This option consists of buying company shares, which makes you its partial ownerperceiving the profit it creates On year level. This operation is carried out through the stock exchange and brokerage houses in the main cities of Ecuador.

3. Investment funds:

This mechanism works through a fund composed of the resources of various people, the amount of which is used as a source of financing for companies in which fund managers decide to invest.r, which have to pay a percentage of interest for using that money.

4. Real estate market

Although the real estate market can rise or fall over time, financial market analyst José Cuevas, it is considered low to medium risk. Except, It is possible to achieve profitability by renting.

5. Cryptocurrencies

Cryptocurrencies are digital currencies that are not controlled by the central banks of countries and without the support of banking systems. Therefore, they are not subject to inflationary processes that reduce purchasing power. He Bitcoin estimated at more than $20,000, Since the industry is still in its infancy, although the risk is very high, you can try to invest a little.