[ad_1]
The level of chaoticity has increased considerably in our country and in the world. As a result, requests for conferences or even private help on political / economic chaos and their consequences on people's pockets have increased. There has also been growing demand for financial market discipline, taught by me at FAE. I also receive people from the fields of Letters, Psychology, Medicine, among others, who do not intend to occupy a full position, but rather a single discipline, so concerned that they are preoccupied with their financial future in the midst of so much turmoil. . So I think a lot of people need a methodology to protect them from financial chaos, but to maintain the possibility of wealth in the long run, and thanks to this page, I can help more people.
The methodology that I taught my graduate students and the FAA MBA constitute Barbell's investment strategy, recently reinforced by a small dollar position. The name Barbell comes from a weightlifting bar, where we have weights placed at very opposite ends. On the left we have low risk badets and right, high risk badets. The Barbell strategy avoids placing weightings in the middle of the Barra, where the badets with intermediate risk would be located and not generating gains so attractive that they compensate for taking such risks.
+ READ ALSO: Roberto Indech – We are close to a million investors on the stock market
He explains how to implement the hedging strategy while enriching it in the long run:
1) Work with what you really like. This will bring brightness to your eyes and your chances of success will be very great.
2) Make a control of expenses, so that your expenses are lower than your income, so leave a little to invest every month, without exception. Investing a little in savings every month ends up being discouraging, because it pays very little, and ends up giving up the discipline and getting into consumption. It is therefore essential to increase your financial education and learn to invest in more profitable badets that allow wealth to subsist. It's the icing on the cake, it's the motivation for which you must not give up.
3) First install your cash mattress, which should contain at least six months of your monthly expenses. You will be comfortable with a possible period of unemployment of six months. The liquidity mattress must be invested in government bonds after the date of purchase, ie on the left side of Barra. In a crisis, when unemployment risks and high interest rates rise, post-fixed government bonds will be more profitable and protect you.
4) Once you have finished building your liquidity mattress, start pouring a little each month. (on the left side of the bar) and a bit on a diversified stock index (Ibovespa, or Bova11, etc., forming the right side of the bar). These are badets that, with your monthly discipline, will enrich you in the long run.
5) Rebalance your activities based on your age, your risk profile and market opportunities. The older you are, put more weight on the left side to reduce the risk. If interest rates go up, you win on the left side, but you lose on the right side (because the stock will fall), and you can use a portion of the gains on the left side to buy more shares, which reinforces considerably your future income. If interest rates go down, you will earn less on the left side, but you will earn a lot on the right side with the top of the action, and you will be able to trade for a nice trip or to invest more. on the left side. So, you always win in both scenarios. Just know what you are doing and never buy back badets that are falling momentarily. You will always have the knife and the cheese in hand, because when you will need money, you will always have a side of the Bar to make a profit and you will be able to trade the badets of this profitable side without any loss.
Beatriz Cutait – The number of direct investors in the Treasury has tripled. So what?
6) This is not essential, but you can improve protection against crises (as we do now) by investing up to 20% of your total capital in a money market fund. Thus, if the dollar rises a lot, the gains on the foreign exchange fund more quickly compensate the losses of shares. I say faster because later grades take a long time to make bigger gains in times of crisis. And if the dollar falls, the stock market gains tend to offset the losses of the exchange fund. Now that you have solved your financial future problem, be more present with your family, your friends, your readings, your studies and your work.
are the things that really matter.
* André Daniel Hayashi, Coordinator of the Executive MBA in Finance and Capital Markets of the FAE Business School
[ad_2]
Source link
