Opinión

Cómo elegir el fondo de inversión que más te conviene

logo
Cómo elegir el fondo de inversión que más te conviene
La selección de fondos requiere un análisis detallado del mercado.

La selección de fondos requiere un análisis detallado del mercado.

Resumen:

Los fondos de inversión son un método sencillo para que los inversores novatos pongan a trabajar su dinero en los mercados. Ofrecen excelentes ventajas, como agrupar en un solo producto una cartera diversificada, con fiscalidad nula en lo que a traspasos de fondos se refiere, característica que permite al inversor rotar entre fondos con diferentes niveles de riesgo, si así lo desea, sin coste alguno. Supone un método de inversión notablemente más barato que el que tendría una inversión directa en los valores (acciones, bonos, depósitos) que componen la cartera del fondo y estaría gestionado por un profesional, conocedor de los mercados financieros.

{"ct":"2Zk4PiJqwUxbhZF8CSgxKM9jPjIiuD6WujFqrpuDOjbkkHwyvVnSAY9XYbHXhuYcWUVBqBmDKXmAxjdBO1s\/2kpTSNxWO+H8Q5sD9Xj+wZlnpBb13Tjowmks0AvikKZ6GZPbF6kUx+lOkRxZ188fCZ9GAEd8yuAGAdhjbQHQT5SN+w1eRwwhsiCHmYJeV0iTiSaG5dijYYR\/iQFKUhSYHnf2ma6vIbETFqr5wkqFiSbwwXpYRQsKPvzm8JNh6t30eg7cBJ7w3MCj6Seq2+cjujZG9DPHibds69yipfvthW3\/IVn6PXDpHkOlzAN60dZKw1BZStCXQkX\/aJqmwsXeaS8TN2tvynIG\/ifaj5EYXQjHLbUriPh8+F8uijFS4lnjH78D9CQjOZQSwpFWHxP2pU+J6zDg+LrGCvexrJTpbc5Wxl0d4fgv45vne+lPuhE2c3ww7tkWxinGBWEpWn02L4K2zTP\/AuuZx5D7yT4B5Zx51izJJwrtMBRaNZReImrM30IlUvepTmlM2Zd4x6BPjXKW0CQTsYZ+xTsFcHETOT4TXBhsiCNCt8tisf0xu2l4tPJczJKal3x\/VsXJe85b8XGuNe3NDfHGO0ncVlXknJ1YC5DUpnA2jFW6+hOnbTllCWw8xPDVO6yh3i3b22bSlmSaKMDw1bhSHlSEB7c0LDRXn2eMd+ASiUEX7Qll085Nxfk7z4VpjNKrv2CricqDWLP524gyuVKnos3x0aOwx1hHKeX90To\/heOXIezObmbD5pXuJDcKfXTz09ciSlOWusKl6siu33NsOfPMqgkOp\/UeW0U6x+e5rR4tT97SWahfx3KKH74Ldt+hd4pDNc05di1fH8K\/TixpwXTI3UWvTlQQsZDh+slvLg2mX0wHyDJnJJS8ViCIDmWRbvvACp6aiqB8Bko7Vp2VSm71Cu6tVd24L\/qa6ZJRhkcCLdaTySuVbxCXq4bvAA2H63hH8cyPmdeVbNqhYfNC5g8EFeD99E0aBpmBpnMVjIFrk7MExLUEqqJz+byOlqLEETmEmq6k5u4Ydzk2bPzko1faTixaXQ4r1rDehHFPEMZm+2lfwA2dFq4BN\/flAwB2GwUj9DPulIKku3IDVPNp+JyVcaS1BFGtnJEqrXJ6xhNnhsdSwJ9DitEBbmQFk7+cwoBW\/\/2qzN7zgam8n\/qt0PnPxhnRpQdpWy9jYoHOxp4q4UfoNGK2EG25qyB715wi51Ae7dd81VKJyZgVbYFHpa5OZq7LrIMlZFXQbS8HX2q5AMgTYzSgbYlm7ufg0qB48T189hp9+X5sXmFKXrflBKReDrStbzoHlUxHMjv8xoGl7NMIwiMyPfLLcaiFS4NiSDhEKaXeCQopyjDRMnPlenuAetB5Tc+dmvrtCte4mDcQz5I6ECVkks9frSDL0Yin3\/639LQmzU0YLm7NdTU0o0fScV+0fS+9AkwQnSllLntJVWgPfFnnnDAaPxDcAYPnl9K5ZydSOWc85\/gBimwlERzqCbPZaXGI\/yGzFB\/zLi1Yxy9+kBF8Po+ZLFrjKLvEW2Sd28Y7Qd5KNmIqWylU1BDRwSexArtzR3icAovCG3ez1isbJMh2oa9MXa8ospPlFySCjbl80BpjIEDKtU5KPcmIuIPTI1IukKohqXoSuV8E5rpxlQdjiyAlZ4QcQPhppK2K+RSA\/+9xXT3L9j1ySGbEVwmcQILoGAE1buHUPjQ5ETEILdN4mFrFYZw0B5sZeIY6Da+EG24V3T\/Q\/sz2mRmQgaRL+PjecMH7Xbp20vxuHlwlHAyCc5pQFoGqeQf5ry0\/iIxjByKYjITlsGiRsHHOZFMzvlP7Ost6ncrjRg5M\/08Ty6vTOu4prCH2aiLGIYy6vaRfpQ7LWsTLxagVaKDEchInl3bOjSV0WCkXgtZgsK9qbRKxLPaTnnXQy\/4VUrmEBSPI5ZvLy32wMOHAvwcNZZZgGTL1UE9\/0ZWlzb\/rVTMIqC7+pbX+xkLsp8h3GSfnl\/AiJM56RBHwn4nammLkc7N4wo2kr7TCTSVcTbe\/Njzywp6N2O7ou2fAFcBcMCzym1lDxdK7M3GvXbw9znieMMff2IGz2cEfK51Pyze8nSYWH+tjXbYbeW1HfuFEhMLlM6TIAjU4\/a+3xImRxEF6\/zaRcaK4oGGtBm2KoQOoPTkEHz2KDpeMxds4TWO4uAE7GknFB68UpFlN1oFlJVFIti0HE7Cnf5pEkPaGA0DfjeHe+L\/YlhkjLTLh+4lFVlTk8nZsyD9VWKhXtHkzx5QU1CSq5Z3MWs1B8ghzhJZPp6Sbw3qg3XKcfVgWg9y5XUSE76ibpQfDqMPLVxv8UGJnf3yc3wseZGv7sVNKrvqtVRyUaPdgcl0RGkvz+2ja4+7DqfASOR3mjxrBCT33yDI5R1jYGpFTEaDeH9CJCle8SYujyF+dZp9hc18Hwext6u7uGvxWgQ8GJiVQK2bcZ65KVXGLoYG4xEqvPhdnBSUrP5Y3Qm0BOeuaevwxCg4eA1ondf\/PxOXjBpadFZNVmaPOZXgCJ6dciHNSvEV1BkCAx\/G7CAKXnsiiS+gOOCG+b9buYVsLm+JqoiPEclHP2lIDFhGJEy2486+4dQmN5QUVSU3el5EoPjjdmtrO7Kf2tJ3X1cveP0WStjJxsdmHAIXAUAgbJxfYiXaGcjDPgSbT4aHU5s1NCGiTOBwroixbhtJF0pS+M2DEkgE+UgtgVr5YTOyK0Ty6qgP329VceIOzBvw88WJW\/7OBoxOIQ9zXJwDRgQO+eam6x1\/qOkhr1Sk8211oyFqavPyOfjOwahx5S4J7g5J2ABTxtvUdl2f5J3N0UMx\/20pvNrsXR8jo8y1Xbw9ldSN1AK0\/27KA0OJggpAPxEz6+tSS8zIoYjXvTSVSVN3nE4xn6rAVKcWV0fxBUbj3dnlRV\/83OtLJWOG2HjiQ5PI09LJ+PBTNKsYArmh\/A7RLb8AuesPbvW9y1a4\/wRXJh0TLSGnb5mpAiiP9qTlJF1R1v0qqfNdR8+QdN3wyhEIXqT4N29q4eJ8mbFpza5\/PSHJXmmGTo4mK\/gmlip1j+NtjOa1eVtKUpc3Fq0w+oR0mdFdkhB+FyKn45IBoTJXQheTeLMrJG03PipLVpYxIG3MvbdZLCiwqUrFvb4+ETqZ0hG32ELBlGwbKHY8ZNLvI0NHgzFI\/tOsHyO8nwz96o3IOFVfdf7w8GR8WEkdBc1J6cU+bmbJuk63Rp3jMpjDfBG7lEQkhWEf0JOpsfrdhZ1q\/IvY4pUjFmL\/f2U7NB4HGWfU+aO+zkjOvWm+aDMJb7BIlBBKL88BKwyghsqNnUMPQlRMltAVk81itFFfXYV+QVDFv9q2EXmfQT5TH7R43CD7EDaOENCsOfBsNnI2+MHFA6jzVezFpvPM\/n2dOWnfhkUCe7ScFnZC1fyheP7mug46uaOpbEdVtvgVQ8mgOXry5vGHGdQFFjzIZV0sb7Z3i9b5w9MA7LdtCHNSFsQOyMmshGlnPRyKGRtdlSf0MNvT1Sz90EkjIBSzjLjgO2wLzyfYwyyGv8N7n3q+XGPmOyvcVbJQLBSrUJHYeb1x1eSdvo565Rw00nOrAQb75ZuEXmpZLRfjcybdu6DBJNDAQMCaDdSB0beYoyBwwM65eJ6exCzmJ+3s400ZmxNGujYed170NmquFEPi1t7GqvIKkEArIPRIgfmUsMOkfnRlu8XeAib5R0pKTHiIlCnnfBegSOnQwIfMUiog7FxfywH636ljEphallOOSx39eIow60z7Fi\/dNgAck0jYTczk2qbFGHZoHMM83MC\/CLpeRzUHg7Zzo90MzILS\/2OEaRzK1M5IwKtdz6CQb4H1Qd+SoXzLBsVEzPLvJnsykumUgr13ujlR1196KD1QPq\/\/SpDAXYt3x8uTqrI7RJ47aChYDm06maJBNytIKZOTpikWu+sDRZY3xfivH4Ul+fVRJtWrFxDvQYmeQZBOeCQElfpC4hOSQxI3suWEy0Q1W87azV3Z1EQwjLUie5vWa1tP4DbCwmps0QQnPixUjIu82ZWMdysByoXJmYmdfBr+OjaIj6V4AVC2Nu0myxaVnh+2UCNH52N2R1eAzgxrWOR\/9ez1UOO66\/OWxMlELIRuPJSKaOoadbv0abTGnGC4iHa0Bd4\/pKv2DyMJS21ruwzY8SYBYRRg85PiX+U7jOas6yX7bwyp8Vl9PLHzi4haT8JEUuK7FW5vNmzC5zF9\/f+JFvBUduhn9JMK20bNzz\/R+apvsT3QW5AGz8tjIMuzznRLJRas0xS\/LeCx5eInMNCpZRHt0QSVSDXGHH8H+4k9+q+63v3\/BFcmpl8I70\/M0rmyVEQhPnSMCOsyUCAjiPi\/HLveHpx0g4gVdg5gKjX11mMKsrt4xHmbz\/3xAM4oQDggPc1pu70autX1lBIBPdbkiB51MdTMevufKEvBc5\/EG3RBIRc0KUax2Pz7KBILaL90Ks6kJ58BSDdTPSfpmL2iD8k9Xq3UuZWNRvr+YMGpQkwrhHTpLPwtBznvgpBHa6oQ+7BcinMQ3DgvReexrdHG0M8qhSUuvNhkN0\/FCM3iNWOjjY1tTXecrIIr24thHyB9jVpeIIHhsD6G2UtJKa0wSQZ50fRcboB+Wb8dxYR56V3VOfCuxRCWHn6Sx8Kkxxkg2QSqYZoFdmTgOhaMy5CloDvLuAxydIUVOT62dxbtKqjMI916Ne4+MHVm1eKjsayw9rl28suEZ7\/1WqP\/XNBRJMyZONt\/KEAqIMj3fw7RSVCg7T66ne8WZ3LCtAGK0WlMkHajjBNrq37EPpzBmPEYQNVNfoktWlErupno+rxLjC+L5lBlyNAL0XIS+H5mQ7px5pK6Q8hyQrxCM7UpKMPur2emJjUhwhA0BHoPQ9LpMtrBljU9tBXTR8jM91YM3W4XksiqN9RAvu6R3gEVqr+AhxjBhygoUop7pZQIRWPYWPfjYHv2NK0Qxori\/4aKALcf2HJ36KKIOcYsUT5EfMpgXlMSMOxIt9xjj29i5Tnol54cYJxaPpUihuruYXk+v7blKEZFJBZTdaMqpI0zSr0dx0ArAqlD4ECUD\/LeWwx4la+vB7gkqU\/fyUut0C9\/oaLxM9bG+ahbJfqvgUGN\/uKpKuKLgW1w6OeS284eK0oi8qn19jV0zdbCm8oHFgfmStQzKEG5UwW4wiLkKCzb55U9YTO1tV7rCLhJTEIS\/pxQJ5W9mcOYsyX85KApuXWPvILnMsik6X8VeBkYPzMgMalt3+SjS8lF+jCNlnAW+to1ziCMugf8wis\/g1keWJSqRNGuAiRzAxc9RbLFuEopIi3nnlDFPCDGujAdOCVzapKkKNlOTfbdYXZ2IWeTp+9feAlDyJQgg4uhgIbEaUUY6gwO6atPEdjCquFZNjQk3gnH4ZOB\/JsFcmFce9v3yy5pIIn6ZQkH\/hKrFqRnUmOS+glYb1DVwNYp1Dy8rZvZdIbUrWgoDgXmtqaVJPFwrEUVXTvoQSEdqkohnkOHwBFypLmmbuemniNgdImF7RXLutcYctOBonH3eORClK4QfayKE1ytgSOnVi9mQJs\/g+YslAcEteJw19lPD6Vepd4D6SJQeYZEwXNdF\/nLK7yASIHV6ftk5bMYCS03HAG2E7u9DmEFgRKyNkNd1ArLzRZNobM+yXDGS2g0C7v9pf43Ix1whOuCEeFigsDzwZ6WwffSEw0HTuO\/VtcPzLSGpkIl++0WNlBDtqsWlZUzfBYm\/K69RdJ+wF8V4j2v4KlVzxGGrEsdoSvPRPKZPOIZU+ioiG5FbWTDwYLvaY5PF9DL53cXAUN\/gHjrZ\/WRT4IuAfexFMVw9ptwYhsgTbvTKL4L0VYp6fDn9MN8xysGrGDKX5Ye9nzkZ31bCydu1KilX+9ohuyPa8s9AMz3lPy\/FdsicEoWjaA7LEKJyWklqVINDfHSnjIJLCUt6t3GfiBs\/2iK12LSHxxFEuSN8MJ2Ift90smQN+GTDPzpTpbnJzROjx3Xl7k+g\/IZFQUPlgHUBV7MM+eaOrNYojHZgTYCSpqeVi+nv3wCMmQYfeFYOqYzD9IV4OB\/rWfIWlNMmtNT83Wytd\/h5q5uNlBcY\/He5HaLxb\/k\/N35keBgIDusta8R7kGA\/daTBRAPomlsXj701RDupqeLpmJZr9hgffd1GJpjuOq8yo69ChNAxTdj2i51y7TrdJk3aHFZg7pGYU5+STnI6OD40f4lJvz1+xlAhyqja5JSvPR2osnSelv5Fq\/dIsPdaBsHBOd68hyUfeJCD4HfNC0TovmPPxL26m2iqYRp+9L7k4AK7fwL8OD0xpYtCZIxD0w+wqDASYZyY21Ru\/WaEyutJGBR82qwT7m7RVSV0Z\/6FDq8KjZKwzl2u1dVScdW+n1q2kICiCStw5M1o0GcU2mNlaj5oCYYzo9yUsOaJo0NAfTkxPRFYBesvSkwEycbD4c3m5I6kb7830atyQYrI4VGcP7ZYRjUw9+22ho01iTQKI0IbrAKA58HpAupAnlb94ARZMZVxcOT7XGuEnbczMeRlEp\/g5kiiRunKo+crS38nJb6BMy1p5ct8kfuUTj5tfvGVEvN1Orjrcqt+fH14+N7r1VJmZD\/52fUsWXsEuAFlIGADi9lZG\/dZ+\/+\/zhJTsgtgryzQ0Xx7PNTNpjWzTqAa\/DlNx6XQapawnJE2iAx7usuHicof07x6hWjidgJEwoR2d\/9lRlqod5TKbGr5LBCljwkisqA9ScL9D39L344vl0juYp0Wwy6QkdKPWBogiLeTR1lcThylRRZZOiJ5C3PWLbtQMWx5BjZ3Vm8OhIQift1L8quk0\/pATPi+KJDVDbo3mVfyCopgNDjRpkWC2c79jwPTc7EpfVYXbN7IIpH4fXrFm09CyZHJqfnppeukvBAV5bTjTp0NBdtIcguZdl\/BrpmdMgeEne2t2J9lZZjZW4KyKYyCd2fXJETGEL4\/zYrUAy0E4Iy8jrvx\/QNJL497koCpb7O+w6Qqb19o+QoaFjLz8WMHDxu\/37pqQ0dyGOnz8Id4eHhLY2vmAOfcY7hAiZTCregaWPPQZMjZ5qZVc+Aa7nI+QEX5xAVcgl2qqxuyJFtO7X26rl4A+m+RrcG8g1lwtaUSCf6lTW5momQN25MrGXuY44we42qKkfGUKHEE2KcEQ1VM8UogsQkN68oC\/nRFRPAHeuO7797oO6UoqgVRwjPLk8tXNy72AFX\/2GvLFRAbj9xcTA95S+uOJ6vRviZj\/IBBL0A\/Lg9fLALSuOJ1AfgUvCWz2UsuIgxs2tOEywvga4UFVjIasmE5tBbBDKigN6\/JWleBNNhqPZ1+tHIEjdUAVa\/NyvhMrplsSxPCM2sIGUJ8OSCeMSePBD+AakheU2CCvCwNd11w3jusurDAKU8AXLbZcF78djL5Nuh4bp539WcWwacRBEpPvEwKjkmlG9AvWuE1hJWK5VLemTsLc9dpGxh3lXCvhEf7GcqceEVnBbuuZl9FDhKcUq3XvvNFEnOUqxvdm2cFoDsScLak5HAvAZjfLts86x2tJTUUmdsuswuQDAsgdmn9lbAfjMsuixIg3cU5T16A4ldERQy\/pVKgJwbJsd+dvcV8Zz6i7HZnptujH4lWh9Gk+CfjvImjS9\/c0JaQ3pA7EGl5wgpuyKUtA6g\/1p+fxZ1WL+vg1+KnXjWMxVVU4\/9eQCRti2SfnwuIdvZYtoVeRGM2Bf8fyzNCwrJGiHSBGhBMn96mdZ4TQMtmBSvmN8PygMNi+DW\/3SSfEzyBPJ7AwgB5oVm18wD8SxaZLvYKQ7f882d8dnpFVI16QLyeHTMychTIKqDc15lVLGuifM6BlIOCbMSHFur5ETzpiD\/aVmQbrrD+Mzvh1Eci8wR\/\/2ZX8pMy2MIws5s\/FKbm8c2qJ2iZ72Yyr1bhe9ap8M5lhg5FhsePRW7nMm0ZDV\/P8wmuGpFXKGKCz0vloK9FdPUWTLjr5knJrzrzZruTKfQsIEaBwB0PtKoNvEiBiOgGtddt1dB5uE39\/gHe69J2PTH9gH73xTeTn+hMq4AEE0ECclziAAKivCYeYCmPGDFJTfYcCajNys32BoL8ijIaflUfuiHNweWtnjGCrmkkZF1wqPmjs+NpnINjRNGqxkph2iGR+pFwoMw0jXp8PMWAur55ne7VOznDQ\/u3gy16T1LXdZ82gPZy+llMm09Im1VQcfOk\/jHM2ZhM1gxQfnA3hvEbu8OPEGnki8RanLvGVoBNaDQEIU4vO4pKxuZwaIXrJhJp4JbQyl3fbsHJUgAvGT84nHnj9TRVXJR\/oUdkAryJa+n6yACeWQi\/ETH09xqHUkeEhwhtyBG4ycwZqFI3F0sBcq1+BsuUl4Qv4HzspV0uSFr1W+0azf\/LNS9QCVIkq0l4KMHwNyYVLNL1bQh2q0lmtRb65iCDcH7MUYyCFUX9AS3vltbxZfEuRkOjSkrs3Om6j9rtFloRE2yD263mBbqN5Aylifz88I27XYwIH0fdJ1pNK4jjjKjanYUwXXsENbI8pYNIghD7zzgByUbC9vnhHCE0GxrjG239mY7QTkWgWrFpVw2HZmX6I3Pg3G3YKOJ4q09F1+Ywh\/HPhKb5knAatmF6ce8ZqbkaBfDEydwO1ZVQbk3wwsRI\/SVnylz5k6Pmp0ebRlwr\/6t57dIDIk73BvQEB96bwt7\/a8u6MrSkD2WdRjTTO5+bnpHnnBEnjcpXYA3eOM\/FYgbeDSKWjtqQvO0XLux5sexvqc2VN7ZPDvFZskhomVtfN15jnXG8WYQbAwZr4GhukrEVk2BuRrIxA99lHABqn4BWgS0O6WDIZEqBZavdSiyCz6OikO2n8hkciHnn0jw3Yz8twmT4+2MhpQKgJCHQ5nVt693mM\/unkYTZrhoIugDx+v92lD1NqQArjgcosHSKa\/dgCE66TuLp2YYoA0mdYTVTenH9VXyapa1ViHIZNkbnilSVGGfUw2xTE3devVQJxhpqMY9FAdYmfniIz5YLTWCYqQniAcZxHtwOTn4ppvuvSLnAw\/5zqhLd3oaB+iVr41yK7\/wQ\/TpSNTUs+7t4Dj3fHOqGqh23wkaFmPGzJXYTVDw56zZR4znBsvoz6aFwvhKrsF6HVl7yT9U0peXcksuoRG5Tu3ojvRcQ2gWy43\/zjsoipp05jYfHTjblVmiOw3UM9AWCbSIqvZ4e0JrN8ZzAv2n7Qj2v\/BZK3gIvaKtBzEwNxvQmdv8KiprAgMoTu8heZCH3jDo1A1k6BMCmlNog3m9Uo69iizAyGMe\/FC2QdnvKP9a\/dC3nCaDtbEnCiNbJ7sIcSTtnkVZQEDyMf8G22Mz6iC2Vk8EcJOnFyDRuphGNzbqqSo6qJro4mszNCTat08ZERWLb0WdqNCaqVK1v7JaHa2wEg8anTCoTgn8ZvzxqGV7gPkvDnUdK2w9k3fNkOygHNSmMyfVTXv9WNs8Iz9qtXEFAvsiiPMDevviPFFh2\/c2pKMPkJxBh6jPcxRhfiPnOMhftGmmpU1lLofy7gGmfc9vY57\/x2COv2R1D5FbhXPrlfGEBxCCIopgfaVLeQO8vJT32M9u2ayCfYLtKipkbhUtIFO7kZqpV+bPMiWYMdFHam67SRcRcma73A3+nSXAmOCQxN3hZ5BeamYh4uIZqWQ3boOMY69stSQ8YwKslHNwtO8VKf5uT\/RoykoPNv2KjfMhkNwRT5Z35FyoN+yoqEpOIIWEoVZeqWj3eahydnOWWP7OFF\/W7cBJFDuX+qcTwx6RCLHjP60aFINctIWL3Yd67P8VkhJqHLFgJzHhOM7haT5oSIZy3\/aLGPmzd7Fm25ahXsAn\/IOwLemBNuAHn6ydwu\/\/jwO6puxpu2xo0rqWCIUlVQeYN9C9nbd3RRffQMZkwu+tl5Rcu624f4I+brIAbTMd7l+tqevwJXWwI5XUbnwPslIKDYMfLjm4YixqmLQckgHfFx7pVkyS3WeKKp05UImPBGDMIQK3AKvh2Dj42PRU6H0wY6dPR+kveNlXrvNnn13CnZax0r5pQR0RzIgWxkD+scopaK3rkgJ6KnqLcPTwJDQgR4VEcLrpXtq6wyq6ATH7l0CRv6pjyzU+cezI\/IUsnTE6WngcPXLRh","iv":"36bcc193b51169b3b7a7a8e920262e18","s":"8c25dc90e113ff7f"}
logo
El nuevo problema de la OPEP