Financial Education

How to control one's emotions and avoid making hasty decisions

How to control one's emotions and avoid making hasty decisions

Periods of panic and/or euphoria bring to mind the recurring question of how to control one's emotions and avoid making hasty decisions. There are no general recipes for this because everyone has their own personality shaped through their experience, knowledge, etc. For example, a person who likes extreme sports will have a different concept of risk than, say, someone who likes more traditional sports.

Differences between inflation and deflation

Differences between inflation and deflation

Due to the current crisis situation we are living, we are often seeing in the media the terms "inflation" and "deflation". Both terms can be confusing on occasions, so here we provide a brief and simple overview to give you a basic idea of the two concepts.

Opening an account in a bank abroad: frequently asked questions

Opening an account in a bank abroad: frequently asked questions

Given the growing number of people who are interested in opening an account in Switzerland, we have decided to present answers to some of the most frequently asked questions we receive on this matter.

Analysis of the fall in the price of oil

Analysis of the fall in the price of oil

The price of West Texas Intermediate crude, closed last 19th April 2020 at - $ 37.63, something that seemed impossible. It has never closed negative at maturity before. The Price on the spot contract was also negative, due to the lack of storage

What's the minimum amount to open an account in a private bank in Switzerland?

What's the minimum amount to open an account in a private bank in Switzerland?

Opening a bank account in Switzerland is a simple procedure. Not only complies with every international legislation but also offers excellent advantages by diversifying your savings in a neutral and stable country with a triple-A (AAA) rating. 

Which is the strongest currency in the world?

Which is the strongest currency in the world?

The most important, considering that it is the international reference currency and the most used, is the US dollar, but which is the strongest?erte?

The fiscal solution: attracting new residents to southern Europe

The fiscal solution: attracting new residents to southern Europe

Some countries in southern Europe have set up special fiscal solutions for new residents in an attempt to lure wealthy and talented individuals to their shores.

Swiss Private Banking: Financing alternatives for reinvestment

Swiss Private Banking: Financing alternatives for reinvestment

With an almost centennial trajectory, the history of private banking in Switzerland is synonymous with excellence. It is characterized by its stability, reliability, security and knowledge.

How to invest in dollar fixed-income today, with an eye to the future

How to invest in dollar fixed-income today, with an eye to the future

On this occasion we would like to analyze the possibility of investing, with an eye to the future, to take advantage of forthcoming opportunities in dollar fixed-income.

Structured products linked to interest rates

Structured products linked to interest rates

Range accruals are undoubtedly among the most popular interest-rate linked structured products. They are worth looking into if you want to receive a regular interest payment above market rates, linked to changes in interest rates.

The financing of life insurance premiums

The financing of life insurance premiums

These international insurances have a double component of savings and insurance so that the premiums paid have a return that is used in part by the insurer to guarantee the payment

Increased demand for sustainable investment solutions

Increased demand for sustainable investment solutions

We are faced with a new wave marked by sustainability. In recent years, there has been a rise in demand for socially responsible investment solutions. The notable increase in awareness of economic, social and environmental sustainability is now also being clearly reflected in customer investments.

Trends and behaviour in financial markets

Trends and behaviour in financial markets

This is significant when it is investors themselves who decide whether to buy or sell, sometimes compulsively, because it leads to volatility in stock markets and other financial markets.

Investing in sovereign fixed income: traditional bonds or strips?

Investing in sovereign fixed income: traditional bonds or strips?

The difference between a strip bond and a traditional one is that a strip is a zero coupon bond, i.e. it does not pay coupons as these are included in the price. Therefore, strip they have a longer duration. For 30Y treasury bonds the duration or sensitivity to movements in interest rates is just under 20 years, while for strip bonds with the same maturity it is close to 30.

Inheritance tax: How does it affect me?

Inheritance tax: How does it affect me?

Revenues from inheritance and gift taxes have reduced over the years; from an OECD average of 1.1% of total tax revenues in 1965 down to the present 0.4%.

What benefit for my assets does it have to change my country of residence?

What benefit for my assets does it have to change my country of residence?

Have you ever considered moving to another country looking for a better taxation for your assets? Why are there so many cases of athletes or artists who decide to change the country of residence for the benefit of their careers?

Monetary normalisation in the US and its effects

Monetary normalisation in the US and its effects

At the end of 2015, the Federal Reserve began the process of removing the extraordinary monetary policy accommodation that it had introduced to help stimulate the economy in the wake of the 2008 financial crisis (the "Great Recession"). However, the Fed's monetary normalisation could see this situation gradually change.

An investment made to measure for all clients

An investment made to measure for all clients

It is increasingly common for clients with knowledge of financial markets and with the intention of modulating risk according to their tolerance, to take the initiative and hire products tailored to their needs. The confidence between the bank and the clients is in this case is maximum and it seems interesting to talk about this current investment trend.

Is it good for the stock market to lower unemployment?

Is it good for the stock market to lower unemployment?

The immediate answer could be that a low unemployment rate is good for the stock market. In the last few years, the unemployment rate has registered a marked decrease in the main geographical areas and has reached historical lows. One of the questions arising from these circumstances refers to the impact of these employment rates on equity performance.

How to invest in capital protected structured products?

How to invest in capital protected structured products?

Structured products are interesting investment solutions that help us build an investment vehicle that exactly matches our needs from combinations of different financial assets (fixed income, equities, derivatives, etc.) Its flexibility allows us to choose the term of the investment, the underlying assets, the currency, and of course, the level of risk that we want to assume, even delimiting the capital guarantee. Learn with the financial formation of BBVA in Switzerland, how to invest in funds protecting capital.

The best financial advice at the click of a finger

The best financial advice at the click of a finger

Nowadays, customers decide when and how they want to receive the best financial advice. That’s why we’ve developed two tools to enable them to take control of their decisions, comfortably from their own homes and at the click of a finger.

How do I protect my family against contingencies?

How do I protect my family against contingencies?

Potential family and business risks can be detected with good wealth planning, in order to protect our family against contingencies. However, without planning, structuring and organizing, we will not achieve such protection.

Are gold mining stocks an opportunity?

Are gold mining stocks an opportunity?

Historically the performance of gold mining share prices following periods in which the price to earnings paid by the American stock exchange was, statistically speaking, very high, has been excellent and a opportunity as we are going to analyse below.

Impact of official rates on long-term treasury bonds

Impact of official rates on long-term treasury bonds

Investors usually believe that buying long-term US treasury bonds during a period of official rate hikes by the Federal Reserve is an unsuitable alternative. However, this supposition may not be completely true. Financial education with BBVA in Switzerland.

Family businesses: Why do they survive?

Family businesses: Why do they survive?

Family businesses can become a source of conflict between the different members making up the it.  However, why are there businesses that have been very successful in generational change and others that have not? Discover with BBVA in Switzerland how a family protocol can contribute to success.

Solvency against risk of non-payment

Solvency against risk of non-payment

U.S. treasury bonds act as safe-haven assets in circumstances such as deflationary crises, economic recession or shocks in financial markets. This is due to the fact that, at times such as these, investors in fixed income often reduce their investments in corporate bonds of low credit quality and, as such, high risk of non-payment. Instead, they prefer the maximum solvency of U.S. treasury bonds.

The investor's chief problem

The investor's chief problem

“The investor's chief problem, and even his worst enemy, is likely to be himself” This phrase of Benjamin Graham (considered to be the father of 'value investing', is without a doubt what has stuck with me for a long time and that I try to remember often.