When it comes to Finance Guide, many people are afraid because they are not yet familiar with the practice. The good news is that there are no major mysteries behind it: investing is a matter of knowing what you are looking for and acquiring the habit.
For those of you who want to take the first steps, a good request is to find out more about it. There are a number of specialized portals that bring information directly and easily understood. In addition to our blog, you should become a frequent reader of some investment portals for individuals, such as InfoMoney and Portal Exam.
Here are some basic concepts that all people who want to learn how to invest money should understand. You'll find that applying your money well is easier than you think.
Savings Finance Guide : for those who need security when investing money
If you want to keep your money, without taking big risks, one of the most suitable options for beginners is savings, since it offers almost no risk and the rules are very simple. In addition, you can withdraw the amount invested at any time, at no additional cost, and there is no minimum amount to start.
No matter in which bank you will open your savings, the income in all of them will be the same. But do not expect to multiply your money quickly: saving income is around 0.5% a month of the amount deposited, which means that if you deposit $ 100, one month later you'll have $ 0.50 a more. It is a slow but steady and steady growth.
In addition, it is important to know that saving is one of the most suitable investment options for those who will build their emergency reserve, that financial mattress to protect themselves from the unforeseen life.
Can fixed income be more profitable?
Yes, you can! Once you build your emergency reserve, you are ready to go in search of other more profitable investment options without giving up the safety of your money. By 2015, two interesting options for investment in fixed income, which also marry well with beginning investors, are DI funds and government bonds. In addition to being secure applications, they tend to be highly profitable with the upward trend in the Selic rate - the basic interest rate, which serves as a benchmark for interest rates practiced by banks.
If you have a relationship with a bank, you will have easy access to a DI fund. Just talk to your manager. A recent survey showed that CDI (Interbank Deposit Certificate) yielded 3,187% in the 20 years of the Real Plan, while Ibovespa, the main benchmark of Bovespa performance, increased by 1,287% in the same period.
Government bonds, in turn, are pieces of public debt. Whoever buys one of these bonds is, in practice, lending money to the government to finance its activities. The advantage of this type of investment over the CDI is the exemption from administration fee collection.
Stocks: option for the most daring investors
If you are not afraid to take risks, investing your money in stocks can be a very lucrative option, but it will depend a lot on your choices. When you buy a stock, you acquire a small part of a company, become a type of partner, and you also receive part of the profits.
It is also worth noting that, if the company is doing poorly in the market, you may suffer from it too, and it will take longer to be able to sell your shares and get the money back. Exactly why we say that stocks are a type of risky investment.
If this is your option, you will have to open an account with a brokerage firm. It will be through her that your negotiations will be made and also you will receive guidance on the best investments for your investor profile.
Posted on June 13, 2018 at 03:03 PM