Fixed and Variable Income Investments: Prácticos 2026
If you are looking for concrete examples of fixed and variable income investments, this practical guide shows you real cases, expected returns and how to combine them to build a balanced portfolio in 2026.
Examples of Fixed Rent Investment
del Letter from the Spanish Treasure to 12 months
Reliability: ~3.2% per yearHow it works: You lend money to the Spanish State in exchange for a fixed interest. At maturity, you get your capital back more interest.
Advantages: Maximum security (state support), high liquidity, favorable taxation.
Disadvantage: Limited income, exposure to inflation.
Banking Deposit 2 years
Reliability: ~2.5% per yearHow it works: Deposit money in a fixed-term bank with guaranteed interest.
Advantages: FGD guarantee up to €100,000, total predictability, with no volatility.
Disadvantage: Low income, penalty for early cancellation.
Corporate Fixed Revenue Fund
Reliability: ~4.5% per yearHow it works: Invest in a basket of bonds issued by high credit rating companies.
Advantages: Increased profitability than public debt, automatic diversification, daily liquidity.
Disadvantage: Credit risk of emitters, sensitivity to interest rates.
Examples of Variable Income Investment
ETF MSCI World
Historical income: ~7-9% per yearHow it works: A quoted fund that replicates the MSCI World index, with exposure to ~1,500 companies from 23 developed countries.
Advantages: Global diversification, very low costs (~0.20% per year), stock market liquidity.
Disadvantage: Short-term volatility, without guarantee of future profitability.
Business Actions with Dividendos
Reliability: ~4-6% dividends + revaluationHow it works: Buy shares of leading companies that distribute periodic dividends (e.g. utilities, telecommunications).
Advantages: Recurrent income by dividends, revaluation potential, joint vote.
Disadvantage: Business risk, volatility, unsecured dividends.
Hybrid Example: Tokenized Real Assets
)️ Token de Camping Tokenizado (Navarres Camping)
Projected profitability: 8-12% per yearHow it works: Shopping tokens ERC-3643 that represent participation in a real campsite. It receives quarterly distributions of operating income.
Advantages: Tangible active backrest, blockchain transparency, independent technical verification, higher projected profitability.
Disadvantage: Secondary market in development, medium-largo investment horizon (20053).
How to Combine them: Example of Portfolio 2026
For a moderate investor with a 7-year horizon, a balanced portfolio could be:
- 40% income Fixed: 20% Tesoro Letters + 20% Corporate Fixed Rent Fund
- 40% Variable income: 30% ETF MSCI World + 10% Shares with dividends
- 20% Real Tokenized Assets: 10% Camping tokenizado + 10% Residencial tokenizado
This combination seeks:
- Stability with fixed income
- Growth with the variable income part
- Unscheduled diversification with real tokened assets
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Solicitar️ Request Personalized AdviceConclusion: Examples are the First Step
Learn examples of fixed and variable income investments it is fundamental, but the key is to adapt them to your profile, objectives and time horizon. Intelligent diversification combines safety, growth and unrelated assets to improve risk-adjusted profitability.
In PropTrust Verified, we offer you the experience of Judiciary Experts and the transparency of blockchain to evaluate projects tokenized with the same rigor that you would require any traditional investment.