Este contenido está disponible en los siguientes idiomas: Español | Inglés

Patrimony or equity (normally money or an equivalent) that is given to a third party in exchange for the ownership of a good or service, or of its use, with the idea that the equity grows in the future within an established timeframe or being open and continual.

There are three factors that are usually referred to when making an investment: expected return (profit), risk appetite and the time horizon. The expected return is the profit that one hopes to obtain in the future.

The risk appetite is that risk that one is willing to assume for an investment. The time horizon is the estimated time that the investment will last. To make an investment, in terms of financial products, one can go to a financial institution that offers the most adequate products for the needs and characteristics of the investor. These characteristics can take into consideration the amount of money that is available, the period of time that the money is to remain invested or the degree of risk that the investor is willing to assume without disrupting their finances.

To invest in financial products that require little money or are very simple, an investor usually goes to a commercial bank, while other larger, more complex investments usually done at investment banks or at trading houses where these institutions are specialised in financial products of this type.