{"id":468153,"date":"2026-04-28T16:21:13","date_gmt":"2026-04-28T14:21:13","guid":{"rendered":"https:\/\/www.mapfream.com\/pick-the-fund-that-matches-your-profile-strategies-for-conservative-moderate-and-aggressive-investors\/"},"modified":"2026-04-28T16:21:34","modified_gmt":"2026-04-28T14:21:34","slug":"pick-the-fund-that-matches-your-profile-strategies-for-conservative-moderate-and-aggressive-investors","status":"publish","type":"post","link":"https:\/\/www.mapfream.com\/en\/pick-the-fund-that-matches-your-profile-strategies-for-conservative-moderate-and-aggressive-investors\/","title":{"rendered":"Pick the fund that matches your profile: strategies for conservative, moderate, and aggressive investors"},"content":{"rendered":"<p>[et_pb_section fb_built=\"1\" _builder_version=\"4.27.5\" _module_preset=\"default\" background_color=\"#F4F4F4\" background_image=\"https:\/\/www.mapfream.com\/wp-content\/uploads\/Cobertura-Ismael-Garcia-1600.jpg\" background_position=\"center_left\" height=\"100px\" custom_margin=\"0px||20px||false|false\" custom_padding=\"0px||0px||true|false\" custom_css_main_element=\"min-height: 343px;||display: flex;||align-items: flex-end;\" locked=\"off\" global_colors_info=\"{}\"][et_pb_row column_structure=\"3_5,2_5\" _builder_version=\"4.25.1\" _module_preset=\"default\" custom_margin=\"0px||0px||true|false\" custom_padding=\"0px||0px||true|false\" global_colors_info=\"{}\"][et_pb_column type=\"3_5\" _builder_version=\"4.16\" _module_preset=\"default\" background_color=\"#ffffff\" custom_padding=\"35px||0px||false|false\" box_shadow_style=\"preset1\" box_shadow_horizontal=\"-240px\" box_shadow_vertical=\"0px\" box_shadow_blur=\"0px\" box_shadow_color=\"#ffffff\" global_colors_info=\"{}\"][et_pb_post_title meta=\"off\" featured_image=\"off\" admin_label=\"T\u00edtulo de publicaci\u00f3n\" _builder_version=\"4.20.4\" _module_preset=\"default\" title_font_size=\"38px\" title_line_height=\"1.3em\" width=\"80%\" module_alignment=\"left\" custom_margin=\"||15px||false|false\" global_colors_info=\"{}\"][\/et_pb_post_title][et_pb_post_title title=\"off\" author=\"off\" categories=\"off\" comments=\"off\" featured_image=\"off\" admin_label=\"Fecha de publicaci\u00f3n\" _builder_version=\"4.16\" _module_preset=\"default\" title_font=\"||||||||\" meta_font=\"|||on|||||\" meta_font_size=\"12px\" custom_margin=\"||0px||false|false\" locked=\"off\" global_colors_info=\"{}\"][\/et_pb_post_title][et_pb_post_title title=\"off\" author=\"off\" date=\"off\" comments=\"off\" featured_image=\"off\" admin_label=\"Categor\u00edas de publicaci\u00f3n\" _builder_version=\"4.16\" _module_preset=\"default\" meta_text_color=\"#9a9a9a\" meta_font_size=\"16px\" locked=\"off\" global_colors_info=\"{}\"][\/et_pb_post_title][\/et_pb_column][et_pb_column type=\"2_5\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" _builder_version=\"4.16\" custom_padding=\"0px||0px||true|false\" locked=\"off\" global_colors_info=\"{}\"][et_pb_row column_structure=\"1_4,3_4\" _builder_version=\"4.25.1\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"1_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_blurb title=\"Redacci\u00f3n Mapfre\" image=\"https:\/\/www.mapfream.com\/media\/2021\/01\/redaccion-mapfre.jpeg\" alt=\"Redacci\u00f3n Mapfre\" icon_placement=\"left\" admin_label=\"Redacci\u00f3n Mapfre\" module_class=\"staff_blurb_image\" _builder_version=\"4.23\" header_font=\"|600|||||||\" header_text_color=\"#2d373d\" header_font_size=\"17px\" body_text_color=\"#526570\" body_font_size=\"14px\" body_line_height=\"1.5em\" max_width_tablet=\"\" max_width_phone=\"\" max_width_last_edited=\"on|tablet\" hover_transition_delay=\"100ms\" hover_transition_speed_curve=\"linear\" custom_css_blurb_content=\"color:\" border_radii_image=\"on|50px|50px|50px|50px\" global_module=\"402926\" locked=\"off\" global_colors_info=\"{}\" header_text_color__hover_enabled=\"off|desktop\" custom_css_blurb_title__hover_enabled=\"on|hover\" custom_css_blurb_content__hover_enabled=\"on|hover\" custom_css_blurb_content__hover=\"color: #d81e04;\"]<\/p>\n<p><img decoding=\"async\" style=\"width: 15px !important; height: 15px !important; margin-right: 5px;\" src=\"https:\/\/www.mapfream.com\/media\/2021\/05\/icon-twitter-e1620987091233.png\" alt=\"Twitter icon\" data-src=\"https:\/\/www.mapfre.com\/contents\/lib\/mapfre-com\/includes\/modules\/Author\/images\/icon-twitter.png\" \/><a href=\"https:\/\/twitter.com\/mapfreinvests\" target=\"_blank\" rel=\"noopener noreferrer\">@Mapfre<\/a><\/p>\n<p>[\/et_pb_blurb][et_pb_divider show_divider=\"off\" _builder_version=\"4.16\" background_color=\"#D81E04\" width=\"107px\" max_height=\"5px\" custom_margin=\"20px||20px||true|false\" custom_padding=\"||||false|false\" locked=\"off\" global_colors_info=\"{}\"][\/et_pb_divider][\/et_pb_column][et_pb_column type=\"3_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text content_tablet=\"<\/p>\n<p>In finance, as in almost every aspect of life, it is essential to know yourself. Before starting to invest, you need to be very clear about a series of questions to know who you are, and from there define your investor profile.<\/p>\n<p>It is, above all, a matter of self-awareness: <strong>knowing how much volatility you are able to tolerate, what your time horizon is, and what you want to achieve with the money invested<\/strong>. The problem is that many investors do not know themselves as well as they think, and that has direct consequences on their decisions. It is key to understand that the mistake is not always in choosing the wrong asset, but in choosing the wrong profile.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Three profil<\/strong><strong>es, three ways to understand risk<\/strong><\/h3>\n<p>There are no better or worse profiles, <strong>only different ways of understanding the intrinsic risk of investments<\/strong>. It is useful to know what defines each type of investor, as these are not arbitrary labels, but real attitudes towards the market.<\/p>\n<p>Patrick Nielsen, Deputy Manager of Mapfre AM and head of the Fondmapfre Elecci&oacute;n range, helps us understand the differences between the different profiles.<\/p>\n<ul>\n<li>The <strong>conservative investor<\/strong> is, in Nielsen's words, one who &ldquo;doesn't want surprises.&rdquo; Their priority is to preserve capital and avoid sudden drops. They do not renounce profitability, but they subordinate it in favor of stability by &ldquo;limiting exposure to risk assets, such as equities,&rdquo; explains Nielsen.<\/li>\n<li>The <strong>moderate investor<\/strong> lives with a different concern: the loss of purchasing power. They know that being too conservative also has a cost. That is why they seek a balance between growth and volatility control, with an average exposure to equities of around 40%. &ldquo;They seek a more balanced profile, with controlled exposure to growth,&rdquo; summarizes Nielsen.<\/li>\n<li>The <strong>aggressive investor<\/strong> has a clear goal: not to be left behind when the market rises. They accept volatility as part of the game and work with a long time horizon. Their portfolio can reach 75% in equities, with an average around 60%.<\/li>\n<\/ul>\n<h3>&nbsp;<\/h3>\n<h3><strong>What are the most common mistakes made by each profile?<\/strong><\/h3>\n<p>Nielsen points out that each profile has its own Achilles heel; understanding them, and above all being aware of them, is as important as knowing the assets you invest in.<\/p>\n<ul>\n<li>The <strong>conservative investor<\/strong> tends to take on more risk than is suitable for their temperament, but always at the wrong time. &ldquo;These investors get carried away by repeated success stories (friends, family members, colleagues) that tend to multiply in times of bonanza. When less favorable times arrive, they tend to regret those decisions and become even more conservative&mdash;also at the wrong moment, when what should actually be sought are opportunities,&rdquo; Nielsen explains.<\/li>\n<li>The<strong> moderate investor<\/strong>, for his part, falls into the trap of indecision. &ldquo;Moderation has to be an active choice, not a passive consequence,&rdquo; Nielsen points out. Failing to make clear decisions because you don't really know what you want is not a strategy, it is a form of surrender.<\/li>\n<li>The <strong>aggressive investor <\/strong>can be guilty of overconfidence. The most common mistake is poor risk calibration&mdash;believing that one has a diversified portfolio when in reality it is concentrated in certain assets or geographies, and therefore is vulnerable to scenarios that have been overlooked. &ldquo;The mistake we observe is more closely related to poor risk calibration,&rdquo; notes Nielsen.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><strong>The Fondmapfre Elecci&oacute;n range, the perfect fund for each profile type<\/strong><\/h3>\n<p>Once again, Mapfre AM has sought to address a latent need in the market and, in response to this diversity of profiles, proposes the Fondmapfre Elecci&oacute;n range.<\/p>\n<p>The three multi-asset funds (Prudente, Moderada, and Decidida) are <strong>designed so that each investor finds their fit without having to build their own portfolio from scratch<\/strong>.<\/p>\n<p>Nevertheless, there are other vehicles in the market with a similar philosophy.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>What differentiates the Fondmapfre Elecci&oacute;n range?<\/strong><\/h3>\n<p>Nielsen is clear: what differentiates this range from other solutions on the market are three elements.<\/p>\n<ol>\n<li>First, <strong>risk management as the central axis of the investment process<\/strong>, supported by scenario identification and statistical and technological tools.<\/li>\n<li>Second, <strong>a truly global approach<\/strong> that avoids geographic biases and takes advantage of opportunities in different markets and phases of the cycle.<\/li>\n<li>Third, <strong>a flexible multi-asset architecture<\/strong> that allows the most efficient instrument to be used at any given time&mdash;funds, ETFs, equities, bonds, or derivatives&mdash;depending on what best executes the investment idea in that specific context. And thus implement asset allocation and investment ideas in a precise and tailored manner.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3><strong>How is each fund in the Fondmapfre Elecci&oacute;n range constructed?<\/strong><\/h3>\n<p>The <strong>Fondmapfre Elecci&oacute;n Prudente<\/strong> is a multi-asset fund with a conservative bias whose target volatility is below 5%. European fixed income is predominant, although diversified across other asset classes. Exposure to equities has a maximum of 30% and an average of 15%.<\/p>\n<p>For its part, <strong>Fondmapfre Elecci&oacute;n Moderada<\/strong> follows a balanced multi-asset strategy, with a mix of fixed income and equities in a global approach. The average exposure to equities is around 40%.<\/p>\n<p>While <strong>Fondmapfre Elecci&oacute;n Decidida<\/strong> is the most growth-tilted fund in the range, with a target volatility of 10% to 15%, equities are the main driver, complemented by fixed income and global diversification. The average exposure to equities is around 60%.<\/p>\n<p>The range is performing in line with its design. So far in 2026, the three funds have delivered positive returns, with a logical progression in line with their respective risk levels: the Conservative fund is up 1.41%, the Moderate fund 2.24%, and the Aggressive fund 3.57% (data as of April 16, 2026).<\/p>\n<p>In a favorable market environment, funds with greater exposure to equities have captured higher returns, while more conservative profiles have shown more stable behavior. Each one is doing exactly what it promises.<\/p>\n<p>\" content_phone=\"<\/p>\n<p>In finance, as in almost every aspect of life, it is essential to know yourself. Before starting to invest, you need to be very clear about a series of questions to know who you are, and from there define your investor profile.<\/p>\n<p>It is, above all, a matter of self-awareness: <strong>knowing how much volatility you are able to tolerate, what your time horizon is, and what you want to achieve with the money invested<\/strong>. The problem is that many investors do not know themselves as well as they think, and that has direct consequences on their decisions. It is key to understand that the mistake is not always in choosing the wrong asset, but in choosing the wrong profile.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Three profil<\/strong><strong>es, three ways to understand risk<\/strong><\/h3>\n<p>There are no better or worse profiles, <strong>only different ways of understanding the intrinsic risk of investments<\/strong>. It is useful to know what defines each type of investor, as these are not arbitrary labels, but real attitudes towards the market.<\/p>\n<p>Patrick Nielsen, Deputy Manager of Mapfre AM and head of the Fondmapfre Elecci&oacute;n range, helps us understand the differences between the different profiles.<\/p>\n<ul>\n<li>The <strong>conservative investor<\/strong> is, in Nielsen's words, one who &ldquo;doesn't want surprises.&rdquo; Their priority is to preserve capital and avoid sudden drops. They do not renounce profitability, but they subordinate it in favor of stability by &ldquo;limiting exposure to risk assets, such as equities,&rdquo; explains Nielsen.<\/li>\n<li>The <strong>moderate investor<\/strong> lives with a different concern: the loss of purchasing power. They know that being too conservative also has a cost. That is why they seek a balance between growth and volatility control, with an average exposure to equities of around 40%. &ldquo;They seek a more balanced profile, with controlled exposure to growth,&rdquo; summarizes Nielsen.<\/li>\n<li>The <strong>aggressive investor<\/strong> has a clear goal: not to be left behind when the market rises. They accept volatility as part of the game and work with a long time horizon. Their portfolio can reach 75% in equities, with an average around 60%.<\/li>\n<\/ul>\n<h3>&nbsp;<\/h3>\n<h3><strong>What are the most common mistakes made by each profile?<\/strong><\/h3>\n<p>Nielsen points out that each profile has its own Achilles heel; understanding them, and above all being aware of them, is as important as knowing the assets you invest in.<\/p>\n<ul>\n<li>The <strong>conservative investor<\/strong> tends to take on more risk than is suitable for their temperament, but always at the wrong time. &ldquo;These investors get carried away by repeated success stories (friends, family members, colleagues) that tend to multiply in times of bonanza. When less favorable times arrive, they tend to regret those decisions and become even more conservative&mdash;also at the wrong moment, when what should actually be sought are opportunities,&rdquo; Nielsen explains.<\/li>\n<li>The<strong> moderate investor<\/strong>, for his part, falls into the trap of indecision. &ldquo;Moderation has to be an active choice, not a passive consequence,&rdquo; Nielsen points out. Failing to make clear decisions because you don't really know what you want is not a strategy, it is a form of surrender.<\/li>\n<li>The <strong>aggressive investor <\/strong>can be guilty of overconfidence. The most common mistake is poor risk calibration&mdash;believing that one has a diversified portfolio when in reality it is concentrated in certain assets or geographies, and therefore is vulnerable to scenarios that have been overlooked. &ldquo;The mistake we observe is more closely related to poor risk calibration,&rdquo; notes Nielsen.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><strong>The Fondmapfre Elecci&oacute;n range, the perfect fund for each profile type<\/strong><\/h3>\n<p>Once again, Mapfre AM has sought to address a latent need in the market and, in response to this diversity of profiles, proposes the Fondmapfre Elecci&oacute;n range.<\/p>\n<p>The three multi-asset funds (Prudente, Moderada, and Decidida) are <strong>designed so that each investor finds their fit without having to build their own portfolio from scratch<\/strong>.<\/p>\n<p>Nevertheless, there are other vehicles in the market with a similar philosophy.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>What differentiates the Fondmapfre Elecci&oacute;n range?<\/strong><\/h3>\n<p>Nielsen is clear: what differentiates this range from other solutions on the market are three elements.<\/p>\n<ol>\n<li>First, <strong>risk management as the central axis of the investment process<\/strong>, supported by scenario identification and statistical and technological tools.<\/li>\n<li>Second, <strong>a truly global approach<\/strong> that avoids geographic biases and takes advantage of opportunities in different markets and phases of the cycle.<\/li>\n<li>Third, <strong>a flexible multi-asset architecture<\/strong> that allows the most efficient instrument to be used at any given time&mdash;funds, ETFs, equities, bonds, or derivatives&mdash;depending on what best executes the investment idea in that specific context. And thus implement asset allocation and investment ideas in a precise and tailored manner.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3><strong>How is each fund in the Fondmapfre Elecci&oacute;n range constructed?<\/strong><\/h3>\n<p>The <strong>Fondmapfre Elecci&oacute;n Prudente<\/strong> is a multi-asset fund with a conservative bias whose target volatility is below 5%. European fixed income is predominant, although diversified across other asset classes. Exposure to equities has a maximum of 30% and an average of 15%.<\/p>\n<p>For its part, <strong>Fondmapfre Elecci&oacute;n Moderada<\/strong> follows a balanced multi-asset strategy, with a mix of fixed income and equities in a global approach. The average exposure to equities is around 40%.<\/p>\n<p>While <strong>Fondmapfre Elecci&oacute;n Decidida<\/strong> is the most growth-tilted fund in the range, with a target volatility of 10% to 15%, equities are the main driver, complemented by fixed income and global diversification. The average exposure to equities is around 60%.<\/p>\n<p>The range is performing in line with its design. So far in 2026, the three funds have delivered positive returns, with a logical progression in line with their respective risk levels: the Conservative fund is up 1.41%, the Moderate fund 2.24%, and the Aggressive fund 3.57% (data as of April 16, 2026).<\/p>\n<p>In a favorable market environment, funds with greater exposure to equities have captured higher returns, while more conservative profiles have shown more stable behavior. Each one is doing exactly what it promises.<\/p>\n<p>\" content_last_edited=\"on|phone\" admin_label=\"Content\" _builder_version=\"4.27.5\" _module_preset=\"default\" text_font=\"Open Sans||||||||\" text_text_color=\"#2D373D\" text_orientation=\"justified\" width=\"%22568%22\" height=\"%22476%22\" global_colors_info=\"{}\"]<\/p>\n<p>In finance, as in almost every aspect of life, it is essential to know yourself. Before starting to invest, you need to be very clear about a series of questions to know who you are, and from there define your investor profile.<\/p>\n<p>It is, above all, a matter of self-awareness: <strong>knowing how much volatility you are able to tolerate, what your time horizon is, and what you want to achieve with the money invested<\/strong>. The problem is that many investors do not know themselves as well as they think, and that has direct consequences on their decisions. It is key to understand that the mistake is not always in choosing the wrong asset, but in choosing the wrong profile.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Three profil<\/strong><strong>es, three ways to understand risk<\/strong><\/h3>\n<p>There are no better or worse profiles, <strong>only different ways of understanding the intrinsic risk of investments<\/strong>. It is useful to know what defines each type of investor, as these are not arbitrary labels, but real attitudes towards the market.<\/p>\n<p>Patrick Nielsen, Deputy Manager of Mapfre AM and head of the Fondmapfre Elecci&oacute;n range, helps us understand the differences between the different profiles.<\/p>\n<ul>\n<li>The <strong>conservative investor<\/strong> is, in Nielsen's words, one who &ldquo;doesn't want surprises.&rdquo; Their priority is to preserve capital and avoid sudden drops. They do not renounce profitability, but they subordinate it in favor of stability by &ldquo;limiting exposure to risk assets, such as equities,&rdquo; explains Nielsen.<\/li>\n<li>The <strong>moderate investor<\/strong> lives with a different concern: the loss of purchasing power. They know that being too conservative also has a cost. That is why they seek a balance between growth and volatility control, with an average exposure to equities of around 40%. &ldquo;They seek a more balanced profile, with controlled exposure to growth,&rdquo; summarizes Nielsen.<\/li>\n<li>The <strong>aggressive investor<\/strong> has a clear goal: not to be left behind when the market rises. They accept volatility as part of the game and work with a long time horizon. Their portfolio can reach 75% in equities, with an average around 60%.<\/li>\n<\/ul>\n<h3>&nbsp;<\/h3>\n<h3><strong>What are the most common mistakes made by each profile?<\/strong><\/h3>\n<p>Nielsen points out that each profile has its own Achilles heel; understanding them, and above all being aware of them, is as important as knowing the assets you invest in.<\/p>\n<ul>\n<li>The <strong>conservative investor<\/strong> tends to take on more risk than is suitable for their temperament, but always at the wrong time. &ldquo;These investors get carried away by repeated success stories (friends, family members, colleagues) that tend to multiply in times of bonanza. When less favorable times arrive, they tend to regret those decisions and become even more conservative&mdash;also at the wrong moment, when what should actually be sought are opportunities,&rdquo; Nielsen explains.<\/li>\n<li>The<strong> moderate investor<\/strong>, for his part, falls into the trap of indecision. &ldquo;Moderation has to be an active choice, not a passive consequence,&rdquo; Nielsen points out. Failing to make clear decisions because you don't really know what you want is not a strategy, it is a form of surrender.<\/li>\n<li>The <strong>aggressive investor <\/strong>can be guilty of overconfidence. The most common mistake is poor risk calibration&mdash;believing that one has a diversified portfolio when in reality it is concentrated in certain assets or geographies, and therefore is vulnerable to scenarios that have been overlooked. &ldquo;The mistake we observe is more closely related to poor risk calibration,&rdquo; notes Nielsen.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><strong>The Fondmapfre Elecci&oacute;n range, the perfect fund for each profile type<\/strong><\/h3>\n<p>Once again, Mapfre AM has sought to address a latent need in the market and, in response to this diversity of profiles, proposes the Fondmapfre Elecci&oacute;n range.<\/p>\n<p>The three multi-asset funds (Prudente, Moderada, and Decidida) are <strong>designed so that each investor finds their fit without having to build their own portfolio from scratch<\/strong>.<\/p>\n<p>Nevertheless, there are other vehicles in the market with a similar philosophy.<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>What differentiates the Fondmapfre Elecci&oacute;n range?<\/strong><\/h3>\n<p>Nielsen is clear: what differentiates this range from other solutions on the market are three elements.<\/p>\n<ol>\n<li>First, <strong>risk management as the central axis of the investment process<\/strong>, supported by scenario identification and statistical and technological tools.<\/li>\n<li>Second, <strong>a truly global approach<\/strong> that avoids geographic biases and takes advantage of opportunities in different markets and phases of the cycle.<\/li>\n<li>Third, <strong>a flexible multi-asset architecture<\/strong> that allows the most efficient instrument to be used at any given time&mdash;funds, ETFs, equities, bonds, or derivatives&mdash;depending on what best executes the investment idea in that specific context. And thus implement asset allocation and investment ideas in a precise and tailored manner.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<h3><strong>How is each fund in the Fondmapfre Elecci&oacute;n range constructed?<\/strong><\/h3>\n<p>The <strong>Fondmapfre Elecci&oacute;n Prudente<\/strong> is a multi-asset fund with a conservative bias whose target volatility is below 5%. European fixed income is predominant, although diversified across other asset classes. Exposure to equities has a maximum of 30% and an average of 15%.<\/p>\n<p>For its part, <strong>Fondmapfre Elecci&oacute;n Moderada<\/strong> follows a balanced multi-asset strategy, with a mix of fixed income and equities in a global approach. The average exposure to equities is around 40%.<\/p>\n<p>While <strong>Fondmapfre Elecci&oacute;n Decidida<\/strong> is the most growth-tilted fund in the range, with a target volatility of 10% to 15%, equities are the main driver, complemented by fixed income and global diversification. The average exposure to equities is around 60%.<\/p>\n<p>The range is performing in line with its design. So far in 2026, the three funds have delivered positive returns, with a logical progression in line with their respective risk levels: the Conservative fund is up 1.41%, the Moderate fund 2.24%, and the Aggressive fund 3.57% (data as of April 16, 2026).<\/p>\n<p>In a favorable market environment, funds with greater exposure to equities have captured higher returns, while more conservative profiles have shown more stable behavior. Each one is doing exactly what it promises.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are no better or worse profiles, only different ways of understanding the intrinsic risk of investments. It is useful to know what defines each type of investor, as these are not arbitrary labels, but real attitudes towards the market.<\/p>\n","protected":false},"author":60,"featured_media":468147,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[34],"tags":[],"class_list":["post-468153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-funds"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mapfre AM<\/title>\n<meta name=\"description\" content=\"There are no better or worse profiles, only different ways of understanding the intrinsic risk of investments. 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