Where to invest my money

This is a question many people have, whether to achieve a goal or to protect their assets.

Investing is a healthy and smart financial habit, as it makes your money work for you. Investing is investing the money collected in applications that earn interest or another form of remuneration or correction.

Why invest?

Having a goal is the first step to a good investment. For our dreams to come true, most of the time we need money, such as buying a house, a car, taking a trip or even retiring. In addition to ensuring financial peace of mind, investing allows you to make your dreams come true.

The sooner you become aware of the benefits of investing, the better it will be for you. This means that your savings will work for you generating extra income that will help you achieve your goals.

Where can I invest my money?

Currently, savings income has not been the best investment option.

You don’t need a lot of money to invest, the important thing is to maintain investment frequency.

There are different types of investment, and each investment has profitability characteristics and terms that can adjust to the investor’s profile and their objectives.

Among these different types of investment there are the most risky and those that are most conservative.

An important tip is that before you think about being an investor, you need to be economical. Even for people who have a tight budget, it is possible to review and evaluate all expenses. This way you will be able to better plan your finances.

Main types of investments:

Treasury Direct

Having been on the market for over 18 years, Tesouro Direto is currently considered one of the safest investments in Brazil. It is a platform where anyone can buy public bonds from the federal government.

When you invest your money in Tesouro Direto, you are financing government activities in exchange for interest payments.

There are three types of titles:

Pre-fixed: interest is defined at the time of purchase.

Post-fixed: when income is linked to an economy indicator.

Hydro: where interest is formed by a pre-fixed rate with the yield of another indicator.

CDB – Bank Deposit Certificate

The Bank Deposit Certificate is a great option for fixed income investment. It is a safe title like a savings account, but with a higher return. There is no way to know how much it yields, as the application offers varying interest rates on each title, it will depend on the financial institution, investment period, grace period and the minimum amount

LCI and LCA

LCI: Letras de Crédito real estate, this is a title created to support the creation of real estate credit for the month.

LCA: Letras de Crédito do Agribusiness, operates in a similar way, but is a title aimed at the agribusiness sector in Brazil. They are issued by banks with the aim of obtaining financial resources intended for loans, and are offered to the real estate and agribusiness sectors. In a more simplified way, you lend money so that the bank can lend money, you receive the amount invested plus an income established when purchasing this security.

The values ​​vary between R$5,000.00 and R$30,000.00. The minimum value is linked to the investor’s profile.

Debentures

It is a debt security in which your investment is a loan to a specific company that is not a financial or real estate credit institution.

There are 2 types:

Simple- cannot be converted into shares.

Convertibles – converted into company shares at the end of the established period.

Investment funds

Investment Funds have attracted many people who want to get rid of savings in search of a more profitable option or to differentiate investments without worrying about managing it nearby. You have the convenience of having a competent professional to manage the investment and have access to several assets in a single portfolio.

As they are funds, the costs are intended to be lower, as they are divided between the shareholders.

There are different types of investment funds:

Fixed income funds

Those who belong to this modality invest almost all of their assets in fixed income investments.

Equity funds

The majority of investments in these investment funds are in shares traded on the stock exchange.

hedge funds

These are great options for those who like variety. It is not applied in any market, because they deal with several sectors and types of application.

Real estate investment funds

These funds invest in real estate and profit from its income, rent, sale and appreciation.

Foreign exchange funds

It must have at least 80% of its assets related to price changes in foreign currencies. It can also be formed by exchange rate variations in general.

Stock Exchange

For you to invest in variable income you need to acquire knowledge and your application will be successful. It is an investment that provides more significant gains. It is certainly the best way to invest your money, even though it is a riskier investment and has a variable income.

It is a market where companies and people interact through the sale and purchase of securities and shares. The main objective of the Stock Exchange is to organize these negotiations in a completely safe environment, ensuring that you will receive the money for your shares and the investor will receive the shares he purchased in an efficient, safe and fair way.

The exchange is 100% insured by CBLC (Companhia Brasileira de Liquidação e Custódia), it is responsible for guaranteeing the safety of your investment.

Anyone can have the best profitability on their investments regardless of the investor’s profile.

Now that you know how to invest your money, take advantage now and see which of these best fits your profile and invest your money.