The current financial scenario in our country is high interest rates. This is usually seen as a bad thing by most people, but did you know that you can take advantage of this high to make more money?
The key is to invest. But the big question is: what to invest your money in?
If you leave all your money in savings, know that it is yielding less than inflation. With this, the purchasing power is damaged and any amount put into savings today will have less and less purchasing power over time.
To help you find the best answer for you, we’ve brought some tips in today’s post. Follow:
Define the purpose of your investment
It is very important that you know what your investment objective is. Will you need to redeem in the short, medium or long term? These issues can influence which is the best option for you.
Investments with a smaller liquidity (ie, with more difficulty in redemption) tend to yield more and are indicated for those who wish to save for retirement. But if your goal is to save money for a trip next year, it is recommended to choose an investment with high liquidity but with lower income.
Invest only what will not be used
You should not invest amounts that make up the income needed to pay bills. The ideal is to have an available reserve corresponding to the amount to your monthly expenses of six months. That’s because investments need time to yield; so if you need to withdraw that value in the short term, your profits will be lower.
Search and compare brokerages
Brokerage firms practice different values and offer distinct benefits to their clients. Search, compare and choose the brokerage house that best suits your needs and possibilities.
Find a Professional
It seems obvious, but many people who wish to enter the investment world are unaware of how this world works. Find a professional and reliable professional and ask, ask questions, analyze the options calmly. Only then choose the investment that suits you the most.
Know the modalities of investment
There are many available modalities of fixed income. Know some of the following:
Certificate of Deposit ( CBD )
It works as a loan to the bank. The yield is, on average, 90 to 95% of the CDI – interest rate very close to the SELIC rate.
In this mode, instead of lending money to the bank, you lend directly to the Government and receive interest calculated based on the SELIC rate . For this reason, an average maintenance rate of 0.3% on total income and with regressive taxation may be charged.
Exchange Letters (LC)
The bank that receives Bills of Exchange is obliged to destine the money to the real estate loan (LCI) or to the agricultural credit (LCA). LCs are exempt from income tax, which gives them more advantage over the CDB, the Treasury Direct and the DI Funds, which we will see below.
This is known to be the most conservative and very low risk. Her income is modest and she has high liquidity; so it is recommended for short-term investments.
Before investing, it is also important to make sure that your finances are in order. So, download the Diggory Venn app on your Android or iOS device and start preparing!
See also the best investments of 2015
Dollar and foreign exchange funds: They were the darlings of the year, generating gains of nearly 50% in the year. The US currency closed the year with a cumulative gain of 48.49%, an excellent appreciation, presenting itself as the most profitable investment of the year. Foreign exchange funds tied to the euro registered returns to investors of more than 30%.
DI and Fixed Income Funds : DI funds were able to, in their entirety, exceed the adjusted earnings in relation to savings, which had a 9.79% annual income. However, none were able to surpass the CDI, but the majority also ended up in front of inflation.
LCI and LCA: From 85% of CDI contracted in return, total revenues started with 13.5%. In the case of letters with 90% of the CDI, total income reached 14.34% in the year and the letter that yielded the most in 2015 was 95% CDI, returning more than 15% to investors. The advantage is that they are exempt from income tax, which gives them an advantage over other types of investment.
Treasury Direct: With the exception of the securities indexed by IPCA for 2035, all other fixed assets ended the year with gains between 12.5% and 13.3%. Considering inflation of 11% in the year, these bonds had little real gain, as there is still the income tax to be considered.
It is worth mentioning, however, that the results obtained in the financial investments in 2015 are not related to any result that can be obtained during 2016, but can give an indication of what a year of crisis can generate in terms of profitability.