Investing is a way to “lend” money and receive a payback in return. Financial investment is the best way to secure more money in the future.
Do you think it is necessary to have a high amount to invest? You are very wrong, because you can start with only $ 30. Want to know what is the first step?
How to start investing?
It’s no use having money and not knowing what to do with it. Before you choose the investment, set goals . What do you want: car? own home? make an exchange?
Once you’ve found your goals, set the time . Separate each goal into short-, medium- and long-term goals. I mean, what do you want in a year, five or ten years?
Certain purpose and time, one must save . It is impossible to start investing if you do not have any of your income left over at the end of the month. Set aside a monthly amount and choose the best investment for your goal.
Financial Investments for Beginners
There are numerous types of investments and we can separate them into two broad categories: fixed or variable income.
Fixed income is the type of investment in which the investor predicts profitability before even applying the money.
It is secured by the Credit Guarantee Fund (FGC), the same insurance as the famous Savings.
Variable income is the type of investment whose return is unpredictable.
You can triple what has been applied or lose everything and still come out at a loss. This is the case of investments in shares of the Stock Exchange.
Below you will find the most famous fixed income investments.
Savings or Savings Account is the best known investment among Brazilians.
It is not necessary to have a high minimum amount to apply, it is exempt from income tax and IOF (financial transaction tax).
The profitability of Savings is defined by the Central Bank, that is, it yields the same in any bank.
How does it yield?
Savings are one of the lowest-paying investments.
Since 2012, it has been renumbered through two factors.
The investment pays 70% of the Selic rate when interest rates are down, that is, up to 8.5% per year.
The Selic is the basic rate of the economy in Brazil defined from time to time by the Central Bank. Being the most important of all, it serves as a parameter for other rates.
When it is rising, the yield is 0.5% per month plus TR (Referential Rate).
The TR is another interest rate defined by the CB. It is determined through research with the 30 largest banks in the country, analyzing the interest rates of the CBDs.
The CDB (Certificate of Deposit) is a safe investment if you invest up to R $ 250 thousand, since it is the maximum value that FGC covers.
It works like a back door loan. You lend money to the banks and receive the amount repaid with interest.
How does it yield?
There are three main types of CBD: fixed-rate, fixed-rate and hybrid (which pays the interest rate plus an inflation index).
The post-fixed CDB yields according to the Selic rate or CDI (Interbank Deposit Certificates).
Basically, CDI is the rate that banks use to lend money between them. This modality varies. The profitability of the CDI may be 70% in some institutions and in others, 115%.
You need to research and compare the applications in your bank or brokerage.
The prefixed CDB yields at an interest rate already established before.
As the price is fixed, it pays off when the interest rate falls.
Finally, the hybrid CBD is the junction of the previous CBDs. You receive one part of the fixed income and the other, post-fixed.
LCI or LCA
The LCI (Real Estate Credit Letter) and the LCA (Agribusiness Letter of Credit) are loans, as the name already says, for agents in the real estate and agribusiness market.
How does it yield?
They work just like the CBD. LCs are hybrid investments, fixed-rate and post-fixed and exempt from income tax.
In general, the longer you leave the money in the application and the higher the financial volume invested, the higher the returns.
There are other financial investments. Once you decide which is best for you, choose by which means you will invest:
Online broker or bank?
Brokers offer more investment options, have lower rates or lower rates and do not charge when opening an account.
Banks sell only their own investments, but they provide convenience because no transfer is necessary to invest.
Both financial institutions are safe and nothing prevents having an account in each. See what the bank and brokerage offers, compare and apply where it is most advantageous.