Stock market, bonds, cash and loans. Never before in the crisis we are experiencing these days, all major sizes suffer financial shocks and uncertainty simultaneously suffer large.

Here are our tips for avoiding panic and lock up the most of their savings.

First, you must avoid to get caught up in fear, constantly repeated refrain in these cases by the experts of the market, it risks becoming a form of ritual. We must think instead, case by case, what is the solution best suited to their specific needs and situations of the portfolio.

Answering some basic questions concerning, specifically, each of the major classes of investment under the portfolio of every Italian family, to suggest who is losing a lot on the stock market to buy low price today, for example, may seem foolish. "And it is, if the share portfolio is very high, perhaps above 50%. In these cases it may reduce some 'exposure, even at the cost of money lost, "says Claudio Izzo, partner of B & I Consulting, a firm of independent financial advice.

Buy, just at this stage, well-selected securities may be paying a choice for a couple or a family that has a little part 'of money which does not have an immediate need. "In this case, following a defensive tactic, you may choose securities industry, or companies that have a high real value," suggests Lorenzo Marconi, advisor of Intra Private Bank. "Why in May 2007, all thought to increase without a purpose, but now there is just as absurd the idea of an unlimited downside," he adds.

But at the heart of the portfolios of savers Italians are mainly bonds. Cleared up any fears unnecessarily catastrofistici default arises, even in this financial segment, the need to diversify asset for broadcasters, not only for deadlines. "It always has in government bonds portfolio are not only Italian but also Dutch, French, German or Finnish, 'warns Drusiani Angelo, head of operations of Banca Albertini Syz.

And if the instruments of liquidity, but secure parking arranca chasing the rate of inflation, are of no particular concern, it remains open to the eternal worry of those who buy a house with a mortgage rate fixed or variable rate? Renegotiate with your bank if it is too expensive or seek alternative solutions? Sometimes the crisis can become an opportunity to improve their choices both financial and non.

Trading System

Signals Trading System, e 'can be obtained through the forum or published by sending a simple request to our staff. To follow the new market 'reality time via email, you can' use of the forum.