When it comes to investing, it’s common for many people to feel lost and insecure, not knowing where to start or what the best options are. But the truth is that there are several alternatives for those who want to start investing, and in this article we are going to present a list of the main investments for beginners.
Before starting, it is important to remember that every investment involves risk, and that there is no single option that is ideal for all investor profiles. You need to carefully evaluate each alternative, considering your own objectives, risk profile and investment time frame.
Treasury Direct
One of the most popular options for those who are starting to invest is the Treasury Direct. This is a National Treasury program that allows individuals to buy public securities over the internet, in an easy and safe way.
Public securities are a form of loan that the investor makes to the government, in exchange for a remuneration. There are several types of bonds available, with different maturities and yields.
For those who are starting to invest, a good option is the Selic Treasury, which is a bond indexed to the Selic rate, the basic interest rate of the Brazilian economy. This bond is considered one of the safest on the market, and its profitability closely follows the Selic rate variation.
investment funds
Mutual funds are an interesting option for those who want to diversify their investments, but do not have the time or knowledge to choose each asset individually. This is a type of collective investment, in which a professional manager chooses the assets that will make up the fund’s portfolio.
There are several types of investment funds, with different strategies and risk levels. For novice investors, a good option are fixed income funds, which invest in public and private securities or other types of fixed income. These funds tend to be less risky than variable income funds, which invest in stocks, for example.
private pension
Private pension is an interesting option for those who want to invest in the long term, with the aim of complementing retirement. It is a pension plan offered by financial institutions, in which the investor makes periodic contributions and accumulates assets over the years.
There are two types of private pension plans:
O PGBL (Free Benefit Generator Plan) and the VGBL (Free Benefit Generator Life). O PGBL is indicated for those who complete the Income Tax return, as it allows contributions to be deducted from the tax calculation base. already the VGBL is indicated for those who make the simplified declaration or are exempt from the tax.
Actions
Investing in stocks can be an interesting option for those who are willing to take a little more risk in exchange for greater returns. But it is important to remember that stocks are variable income investments, which means that the return is not guaranteed and there may be significant losses.
Therefore, it is important to study the companies in which one intends to invest, assessing their fundamentals and growth prospects. A safer way to invest in stocks is through stock funds, which allow investors to diversify their investments in different companies, reducing the risk of significant losses.
It is important to remember that stock funds also have risks, but these risks can be minimized by choosing a competent manager with a good track record of results.
real estate investments
Investing in real estate can be an interesting option for those looking for a more stable and long-term return. This is because real estate tends to increase in value over time, in addition to offering the possibility of income through rentals.
There are different ways to invest in real estate, such as through the direct purchase of rental properties, investment in real estate funds or through real estate crowdfunding. It is important to carefully evaluate each alternative, considering factors such as location, valuation, liquidity and risk.
Cryptocurrencies
Cryptocurrencies have become increasingly popular as a form of investment in recent years. These are virtual currencies that are stored in digital wallets, and which can be used for financial transactions.
Cryptocurrencies are high-risk investments, as their value can fluctuate greatly over short periods of time. Therefore, it is important to study the cryptocurrency market well, evaluating factors such as the technology behind the coin, its adoption by the market and the competition.
In conclusion, real estate can be an interesting option for those looking for a more stable and long-term return, while investments in cryptocurrencies can offer high-return opportunities, but with high risks.
Treasury Direct is a safe and accessible option for beginner investors, while investment funds can offer asset diversification and risk reduction. Private pension plans are indicated for those who want to invest in the long term, while stocks can offer greater profitability, but with greater risks.
In summary, there are several investment options for those who want to start investing, and each one of them has its particularities and risks. It is important to carefully evaluate each alternative, considering your objectives, risk profile and investment time frame.
In any option chosen, it is important to study the market well, assess risks and diversify investments, always seeking a balance between profitability and security. With time and experience, you can improve your investment knowledge and expand your investment portfolio consistently and profitably.
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