Despite the loss of assets of investment funds, a glimmer of hope comes from pension funds, where members continue to grow. This is a positive signal after many negatives, it is synonymous with trust and hope of the workers despite the crisis, continue to invest in
forms of long-term savings.

E 'was also argued that the financial crisis that has allowed those who now enter into supplementary pension have a large contribution in the future. This is not a certainty, but a guess and a gamble. Indeed invest in pension funds, will then benefit from a resumption of fellowships in the future and the gain would be substantial. After all funds over time have proved among the most liquid of all.

Danile Buaron of the 'Atlantic real estate, "said approposito pension funds, which must invest in products to international market. In fact, think that to date there has been a restricted solely to the Italian market and the traditional real estate investment.

The problem stems from the strong tendency on the part of health and pension funds to invest in real estate market. This is certainly the result of a study supported by the First Atlantic and the Departments of Economics at the University of Parma.

Today, both the speaker and the funds have approximately one third of the investments involved in real estate.

Never before in moments of crisis as acute as those who are experiencing the global markets these days are some old rules that should be the handbook of each saver.

First rule: never put all your eggs in that basket, so diversify among Bot, corporate bonds, property and shares.

Second rule: the bulk of the resources must be secure at least 75% invested in Bot, Btp or postal savings or deposit accounts liquids (which among other things are guaranteed by the fund for the protection of interbank deposits).

Third rule: keep the nerves and balances never sell or buy shares in times of panic or euphoria. Fourth rule: safe investments are the ones that make little. Today the annual Bot make around 3.5% net effective (thus excluding the fees and bank charges). And 'little, but inflation is falling and will soon fall below this threshold.

As for the pension funds you can stay safe and quiet because there's absolutely no danger because the pension funds investing in shares (or make better investment managers to specialize) only a small part of their capital. Furthermore, these investments are highly diversified to reduce risk. That is why the richest of Italian pension funds, the Comet (metalworkers, has approximately 4 billion), has invested well in 1050 actions around the world and when the U.S. is bankrupt Lehman Brothers was able to announce that less than 0.1 % of its assets had been perso.Già but what is happening to our money invested in pension funds? Meanwhile, we must see which online investment you subscribed. Those with higher equity component in August lost between 5 and 10% by the beginning of the year. But if you look at yields 5 years you find that have between 40 and 80%. Over tfr.

It 'more safe to invest in Bot and Btp or actions?

The financial crisis in place by one year the results obtained: it has removed from the bag savers with low propensity to take risks. Investing in shares is (or in equity Funds) is radically different than buying a license the State or depositing money in a passbook or post. In fact you may lose part (and in some cases all) his capital. So, who buys shares should "follow" their investment, read the economic pages of newspapers, sniff the air pulling. It is not said that this "effort" is rewarded by gains adequate. If you want to diversify a (small) part of their savings will choose actions quiet to very strong companies, which give high dividends. But do not ever buy when the shares go out of fashion. What is the time to sell.

With regard to bank deposits are all completely safe and there shall be no concern in Europe because there is an interbank fund to protect deposits. Crac in the event of a bank (which we did years ago with a savings Tuscan) Italian private customers are among the most secure because they are entitled to a refund of money deposited to about 103 thousand euros. In France the limit is 70 thousand euro, in Great Britain of 44 thousand in the Netherlands is 40 thousand, compared with 20 thousand of Austria and Spain. Who has an account in a European subsidiary of an Italian bank, is protected as correntisti an Italian. Are excluded from repayment of the repurchase agreements and bank bonds. To increase the guarantees, first from Ireland and Germany yesterday guaranteed all retail deposits. This is anti panic decisions taken to avoid that, because it can Crac of a bank, savers withdraw their money by putting all the banks in crisis also solvent.

Is certainly not a good year as pension funds that closed after the adoption of welfare reform had a decided drop in yields.

In fact the first half of 2008 was closed with some difficulty due in part to the financial crisis that is penalizing for over 12 months the global markets.

According to the latest figures in the first half of 2008 pension funds category had lost an average of 2.6% forcing many investors to underwriters and lines guaranteed.

What more apparent from the data published quarterly by Mefop (Center on Market Development of Pension Funds) is the desire for greater security of a performance, albeit minimal, such as that offered by the stock market.

If in the last three months, calculated at the June 30, members to closed-end funds have increased by about 16%, it is true that about 90% of new subscriptions has gone to fund the coffers of the lines are secured, ensuring that the paid-up capital or a re-evaluation similar to that of the stock market.

The success of these lines may be partly explained by the fact that by law also receive so-called "silent", from, that is, by workers who do not express a desire to devote to their stock.

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According to a recent survey by the University of Mediobanca yields of pension funds in 2007 were quite disappointing, making the half compared to the stock market.

In particular would be very disappointing results of the funds to negotiate with a profit of just 163 million euros on assets of 11.7 billion. Means a net return of 1, 6%, which should be compared to 3.1% net gain instead of who has left its stock in the company.

It should be even worse for open pension funds, to which everyone can participate on an individual basis, which last year went to red for 20.6 million euros as a result of 73 million of losses from trading and management costs for 47 5 million, or 1, 2% of the 4.2 billion of assets.

The distrust towards these benefits, however, seems to feature a very Italian, in contrast to what happens in the rest of the world and therefore attributable to the specific characteristics of our players.

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