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Shoot the first stone that never ended the month with the satisfaction of having spared. More than that, feel the maximum of not letting the money stopped in the current account, but, yes, applied to saving, always synonymous with good investment for a considerable part of the population.
Also considering special by special feel ready for the future with 100% money invested in clbadic banking products, such as CBDs, LCIs and DI funds.
More generally, many people vibrate when they invest in Treasury Direct. Even without being able to explain in which bonds the money is actually used, it is still less clear that having applied in the Selic Treasury entails risks very different from those to affect. resources at the IPCA + Treasury. 2019 in the Brazilian context
That the Brazilian does not invest enough, everyone knows it. Lack of money, of course, besides knowledge, help, goodwill, willpower, interest, etc. Life is not easy and it is impossible for many to save money at the end of the month. I know it.
But today, I do not refer to this private part while writing. And if you read this article, you probably know (or should know) how privileged it is.
I came here to try to open your head a little with regard to the investment objectives.
It is not always a matter of winning, but of looking for the applications indicated for your interests, that it is the purchase of a car, of 39, a house, construction.
The goals can be divided into at least three "little boxes": short-term money, dribbling and retirement.
Money for Yesterday
As the expression already says, this money must take into account emergencies, daily expenses. That it is a resignation, hospitalization or any unforeseen event that affects his life.
Everyone needs cash to take into account emergencies. For these cases, it is fundamental to choose between three options: Treasury Selic, DI Fund (with a low rate, lower than the minimum cost of direct cash) or the CDB of a low-risk bank that pays at least 100 % of the CDI and can be withdrawn at any time.
In addition to non-urgent short-term expenses, you can still build your portfolio with a few CBD, LCI or LCA, safe and recorded investment types. Pinga-Pinga
Here, the idea is to place money in the account recurrently, whether it be every month, every quarter, every semester, or every year. year I'm talking about some kind of supplement to his salary, which can allow him to pay current expenses with more laziness or even to allow some luxuries.
There are at least five options that meet this type of need.
Two of them carry a risk, but they have the advantage of being exempt from income tax. I am talking about paying good dividends and exchange-traded real estate funds. Companies and funds are required to share a portion of the profits earned with investors, which can provide them with periodic income.
There are even more conservative alternatives, available from about R $ 30, logo there, in the Treasury Direct. The IPCA + and semi-annual pre-fixed income treasure are securities whose return is expected every six months, which also ensures predictability for investors.
And we can not forget about social security. Those who have already completed the period of contribution to their plan can now reap the benefits of a retirement by receiving an income whose conditions vary according to the chosen plan.
The future belongs to you
] And when the subject is long-term, like the formation of a savings intended to be used in the aging phase, an badet to leave to the family or even to the purchase of an expensive property, such as real estate?
if you have a share, great! Leaving dividends aside, investing in equities in order to make a profit on the sale requires patience to resist turbulence along the way.
Good equity funds and multiple markets can also be excellent long-term differential options which involves delegating to a manager the task of managing the purchase and sale of badets and, well, sure, to pay fees for the service.
And for the most conservative, who are not at risk, there are still excellent options in Treasury Direct. This time, forget the public bonds that pay a half-yearly interest.
At rates close to 5% per annum, plus inflation, IPCA + Treasury bonds maturing in 2035 and 2045 are an alternative. very interesting for those who intend to invest money to repay only in 17 or 27 years.
To give you an idea, $ 100,000 invested today in paper would represent a net amount of about R $ 430,000 in 2035, with an estimated annual inflation of 5%. Its equity would be multiplied by more than four times in 18 years, with the lowest market risk.
Finally, of course, you can not forget to mention a long-term pension plan, with a tax rate that can only reach 10%, inheritance benefits in the event of the death of the holder and a diversified distribution of fixed and variable incomes.
Ready! By spreading your investments between badets meeting different objectives, your chances of constantly increasing your capital and, above all, to realize your dreams will be much greater.
And you, invest in the right way?
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