Where to invest 10,000 euros in 2023, according to experts

The crystal ball of financial analysts still does not show a stock market in 2023 much above what has been seen in 2022 , but at least there will not be such resounding falls in the stock market again — or so they hope —. So is it a good time to start investing ? If you have a solid financial cushion , it is always a good time to put your money to work for you . The financial advisors interviewed by Business Insider Spain believe that "2023 is a year to see them coming . " They recommend having recession-proof savings and investments . This means, at a minimum, having between 3 and 6 months of expenses in an emergency fund and traditional investments that ensure long-term profits despite the risk . "You have to leave them there and even if you lose money with inflation . They have to be there just in case. Because it is much worse to have to rescue money invested at a bad time than the effect of inflation ," recommends Unai Ansejo, co-advisor delegate and founder of Indexa Capital.



Then, bet on the best investments according to the investor's risk profile , alternative assets that add color to your portfolio and diversification of both assets and the markets where you have certain investments. In which financial product to invest in 2023 Forget about making money quickly or leaving everything standing still in your savings account . Investing for the long Asia Phone Number List term is the only way to ensure good investments with the highest possible profitability, even with the risks they entail. Financial advisors tell Business Insider Spain that right now the star product is funds indexed to a stock index . But there is no coffee for everyone in the world of investing. This is what you can do if you have 10,000 euros to invest in 2023: Index funds "As a product in itself, I think that right now is the time for investment funds , for diversification, for professionalization, for commissions. In the end it is very cheap and you manage to be very, very well invested.







The level of risk is very controlled and, Fiscally, it is the most efficient vehicle right now," details Miguel Camiña, CEO and co-founder of Micappital . "It is the most convenient, the cheapest and the most effective in the long term . If I have a saving capacity of only 100 euros every 3 months, I can now make contributions to an indexed investment fund with a robo advisor . With its teeth of saw, its ups and downs, there have never been periods of more than 14 years of negative profitability," says Eduardo Bolinches, financial analyst . Tables of reducing coefficients for the pension for early retirement in 2024 Your contributions will depend on your financial objectives and your risk profile. Víctor Martínez, member of the Accreditation and Certification Committee of EFPA Spain , suggests using a fund managed by professionals that fits the profile and allows regular contributions to be made. The latter, as Prestalo CEO Kristopher Hanson had said on another occasion, allows you to buy low and high.