What are alternative investments and why do they compete with banks?
When we talk about alternative investments, we are referring to financial operations that do not go through banks or insurance companies. This does not mean they are outside the traditional finance circuit, but rather that they are simply not offered by the bank.Baragaño Capital works with ten verified providers. Diversification is an option available from day one, through 20 active operations in sectors such as precious metals, forex, pre-IPOs, and international trade.
The term and interest rates for each operation are known in advance by the client. Most of these operate on 12-month cycles, with returns between 8% and 20%. The average for banking products offers between 1% and 4%.
As Antonio Romo Baragaño, CEO and founder of Baragaño Capital, states: “We avoid traditional banking products and bypass most intermediaries, which makes investments reach the client net and profitable”.
How Baragaño Capital works: support from the start
Baragaño Capital acts as a commercial intermediary between the client and alternative investment providers. The work process includes periodic meetings, personalized analysis, and administrative support.From the offices in Barcelona, the team serves most clients.
However, this follow-up can also be done virtually.
The client pays for the advice, but no service fees are charged, nor do the products include them hidden, so the freedom of decision is total.
As savings and investment goals can change over time, a review is proposed every 12 months during which the client has the option to change strategy.
Meanwhile, they can monitor the status of their operations through an app with real-time data.
Why do traditional banking products lose out to alternative investment?
Classic banking products, such as investment funds or pension plans, start with two fundamental problems. Fees accumulate and drag down real profitability, while terms, generally long, immobilize capital.Baragaño Capital does not work with these products, as the strategy focuses on the short term, with twelve-month operations, with an interest rate and term known before signing. This allows the client to evaluate results and readjust each year.
Regarding profitability, the difference is quantifiable. While standard bank deposits in Spain hover around 2-3% annually, Baragaño Capital reported an average of 11.53% during 2025. The mechanism behind the number is the operation without intermediaries that absorb margins in the banking circuit.
Antonio Romo Baragaño, CEO and founder of Baragaño Capital, understands that his business works when the client does well. “First they must understand, then decide, and finally, see the results,” he assures.
How much money do you need to start investing?
Contrary to popular belief, you don't need millions or a Swiss bank account to invest. Baragaño Capital works with portfolios starting at 20,000 euros, although the ideal profile is around 50,000.Clients do not need to be experts or have prior knowledge of investments, as the technical teams ensure that each client receives a corresponding explanation.
Technical jargon is kept out of the conversation.
Baragaño works with diverse clients in terms of wealth management. Profiles range from young professionals with recent savings and families preparing to buy a home, to SME entrepreneurs with capital lying dormant in bank accounts.
What they have in common is the need to seek a safe alternative and not continue leaving capital idle in the bank. In Spain, annual inflation is projected at around 3.5%. This figure does not go unnoticed by savers.
The numbers that support Baragaño Capital's model
In Google reviews that clients leave after the advisory service, the rating is 5 out of 5. 95% choose to renew, and over 270 individual investors currently operate through the consultancy.Over 100 million euros managed support this trust.
Growth is a product of word-of-mouth, a medal not easily won in a sector where trust is the main asset. Clients achieve results and recommend them to their friends and family.
There is no greater science than this.
The rule the team repeats as a foundational principle is that they do not offer products that they themselves would not include in their own portfolios.
Since risk-free investments do not exist, it is necessary for clients to know the success rates of each financial product.
The team makes maximum efforts to explain this point, so that there are no false expectations or misunderstandings.
As long as inflation continues to advance across the eurozone, driven by energy costs and the geopolitical situation, investment alternatives will continue to grow. They position themselves as a viable alternative in a context where protecting savings is an inevitable decision.
