Why one yield is not enough number
When looking at a table of returns it is easy to be drawn to the product that is in first place. But first place in one period is not necessarily a sign of the best management or a match for the saver.
Several periods should be checked: one month, one year, three years and five years when data is available. It is also important to compare products in the same risk track and not to mix an equity track with a general track.
What else is hidden behind the table?
Higher returns can result from greater exposure to equities or risky assets. It is therefore important to understand the risk level, foreign currency exposure, overseas exposure and management fees.
Additionally, a very large pot and a very small pot may behave differently. This is not automatically good or bad, but it is part of the picture.
How to use gemlant wisely
Gemelnet is an important comparison tool, but it is not a substitute for personalization. Use it to filter, understand trends and ask better questions.
A good decision combines quantitative data with personal needs: age, investment horizon, marital status, risk tolerance and future plans.