Many people pay interest to acquire a good. In addition to the value of the house or car, they pay dearly to a financial institution for early access to money.
If you are already part of this select group, congratulations! Now it is important to have wisdom to consolidate the heritage and a future of financial tranquility.
Thinking of helping you with the correct investment of money, this article presents golden tips for you to invest your money!
First you need to: define your strategy
We can say that Investing means giving up the resource and the pleasure of spending it in the moment, with the aim of obtaining even greater value in the future. For this, it is important to be clear about the period you are willing to not have the money in hand, that is, to give up immediate liquidity.
Now let's go to the capital that you have earmarked to build equity and make your dreams come true in the medium and long term. Establish priorities and goals, as this will make it easier to visualize your evolution and define the appropriate mechanisms according to your objectives.
Some intend to redeem their investment in the short and medium term, tending to be more conservative, sacrificing profitability. There is also a moderate investor profile. He is able to wait a little longer for better gains, but he contains his inclination to risk.
Beware of Private Contracts
Apparently, some tax facilities give the impression that investing in pensions is a great deal. But the market is concentrated in large banks, which in turn charge high fees, causing major impacts on profitability. Therefore, it is extremely important to better understand the functioning of private pension plans and the fees charged.
In addition, it is important to know that private pension funds usually severely punish those who need to redeem the application in the short term. Before opting for them, it is always worth making comparative calculations by evaluating other types of investment available on the market.
Try to invest your money in insurance
Those who wish to form reserves must also be careful to preserve their heritage. Unforeseen events are part of life. Imagine the situation: you invested in an illiquid investment with a minimum grace period of 12 months. But before that deadline, there was a serious fire in his laundry shed.
Choose where to invest your money
There are numerous types of financial investments available in the financial market or outside it. Let's list just a few of them. Here on the Blog there is practically a detailed explanation of almost all the modalities available in the financial market.
stock Exchange
Through the stock exchange, investors can acquire shares in a publicly traded company. This happens through the so-called shares, whose pricing obeys the laws of supply and demand. The value of the papers is influenced by aspects such as revenue, profitability and market expectations.
It is also possible to apply jointly through the so-called Investment Funds, which are managed by a financial institution upon payment of an administrative fee.
In developed countries, where interest rates in the economy are low, investment in stock exchanges is widespread. In Brazil, this culture is strengthening with the appreciation of several companies and the entry of a large volume of investors in recent years.
Beware of rental properties
Investing in real estate is an ancient custom. What is heard a lot is that the rent should be approximately 0.5% of the value of the property, but this is not a rule to be taken literally. For example, an apartment on the coast that can be unoccupied for long periods of time every year.
Therefore, it is reasonable that in the seasons of greater tourist movement, the amount charged is also higher. Or, a locality where a factory has just been installed that will attract many workers or a university that will bring several students. In short: consider the context well.
Diversify your investments
The dynamics of our needs and desires must be considered when we are going to build an investment portfolio. A good method is to break it down into deadlines. Reserve part of the capital in liquid investments to satisfy more immediate needs.
But remember: every investment of money starts with organizing the budget. Balancing your income and expenses, allowing you to accumulate a surplus is the most important step.
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