Thanks to your savings, you have some extra money and want to know where to invest it to make more profit. Good strategy. After all, it was difficult to save this amount and, therefore, it is necessary to plan your profits very carefully.
In this post we will talk about the importance of personal financial planning so that you can also be successful in your career in finance.
Investment range versus investor profile
To choose the best investment, the ideal is to analyze your taiwan whatsapp data monthly savings capacity and know your risk and financial horizon .
Once you understand these points and are aware of your loss capacity and what you intend to do with the money, you are ready to make a decision that encompasses the financial market.
For example, if you are 30 years old and can save R$2,000 per month and want to use 50% of that amount to go towards your retirement, one suggestion is to also invest in a private pension plan. In this case, you have to evaluate the administration fee, check the tax schedule and then choose between a PGBL or VGBL plan.
If your focus is to make a long-term investment (on average 20 years), Tesouro Direto or bonds called Tesouro IPCA are good options.
Medium risk and good liquidity
If you want to take a medium risk and have good liquidity, today the market has funds called multimarket, which are funds in which the portfolio is made up of several assets.
Bank CDBs and letters of credit such as LCI and LCA are also good choices.
High risk and long term
Now, those with a high risk profile and expecting a long-term return can invest in stocks. Favoring companies that pay dividends is a good path.
If you have a little patience, you can also plan to invest in a fixed income fund such as DI or Tesouro Direto (financial bill) for a year. In this case, you need to have the discipline to invest a significant amount each month, save your bonus and thirteenth salary. When you have an amount between R$50,000 and R$100,000, you start to get more attractive interest rates.
Search for information about investments
In addition to researching financial portals and following market news, to stay informed it is important to rely on the support of brokers or even look for a finance course.
These companies offer a variety of investments according to your profile and this can save you time when making a decision. Look for a brokerage that is multiplatform and that sends you information on different assets.
And before making a decision, don't forget to ask questions. There are no 'silly' questions when it comes to making an investment. To make a good deal, you need to be confident and make sure that you have answered all your questions.