How to Invest Money: Beginners’ GuideOn July 7, 2019 by admin
When it comes to investing money, many people are afraid because they are not familiar with the practice. The good news is that there are no big mysteries behind it: investing is a matter of knowing what you are looking for and getting into 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.
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: 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, because the income in all of them will be the same. $ 100, one month later you’ll get $ 0.50 to more. It is a slow but steady and steady growth.
Can be fixed income be more profitable?
Yes you can! Once you build your emergency reserve, you are ready to go in search of other 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 the interest rates of 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 by Economática showed that CDI (Interbank Deposit Certificate) yielded 3.187% in the 20 years of the Real Plan, while Ibovespa, the main benchmark of Bovespa’s 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 fee-free administration fee
Stocks: option for the most daring investors
If you are not afraid to take risks, investing your money in stocks may be a very profitable 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’s worth noting that similarly, if the company is doing poorly in the market, you too can suffer from it, and it will take longer to be able to sell your stock and get the money invested. Exactly why we say 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 you that your negotiations will be made and you will also receive guidance on the best investments for your investor profile.
To choose your broker, you can count on the help of the Bovespa website, which provides detailed information about each institution.
Acquisition of equity
If you already have a good amount of money you can also choose to acquire goods that can generate some income or appreciate over time. Many people choose to buy real estate as an investment, since they can be rented, generating monthly income, or sold in the future, with a possible appreciation.
It is worth remembering, however, that the boom in the Brazilian real estate market in recent years is losing momentum, so the outlook for prices in the medium term is stabilization followed by a fall. It may be a good idea to wait a little bit to buy a new property, since in a few months you tend to pay less.
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