Active management
What is it?
It is an investment management approach in which managers make active decisions to buy and sell assets with the goal of outperforming the market returns. Instead of simply tracking a benchmark index, active fund managers seek to identify investment opportunities that allow them to achieve returns higher than the market average.
Active management relies on continuous analysis of markets, companies, and sectors, using both quantitative and qualitative tools to make informed decisions. Active managers take into account factors such as economic conditions, growth forecasts, regulatory changes, and other key elements that could influence asset performance.
Key aspects to consider
The main feature of a mortgage guarantee is the security it offers to the lender, as in case of non-payment, the lender has the legal right to recover the loaned money through the sale of the property. Key aspects include:
- Real estate as collateral: The borrower offers a specific property (such as a home or commercial property) as collateral for the loan.
- Controlled risk for the lender: By having access to the property in case of non-payment, the lender reduces their risk of loss.
- Enforcement process: If the borrower fails to make the payments as agreed, the lender can initiate a legal process to take possession of the property and sell it, thus recovering the loaned money.
This type of guarantee is common in mortgage loans, which are used to finance the purchase of homes, commercial properties, or other real estate. While it benefits the lender, it also offers advantages to the borrower, as it allows access to credit under better terms, given that the debt is backed by a tangible asset.