To know how to invest, you need to have good financial planning; define short, medium and long-term profile and objectives; have an active account at a stockbroker; learn about financial market products and build a good diversified investment portfolio.
In this topic, we will list the 15 essential tips to better understand how to invest money and be successful in your choices as an investor. The recommendations apply to both beginners and experienced investors.
1. Make a financial plan and have clear goals
Before you start investing money, you need to have your financial life in order. The best way to do this is through the preparation of good financial planning. Planning will allow you to catch up on your debts, build an emergency reserve, keep track of your expenses and have a percentage of your income earmarked for investments.
Planning will allow you to catch up on your debts, build an emergency reserve, keep track of your expenses and have a percentage of your income earmarked for investments.
From there, it is also necessary to define the objectives, that is, what you are investing for. It's also okay to have more than one target for your investments. Examples of investment objectives are: Save for retirement. Buy a house. Save money for the kids' college. Change city or country. Leave the parent's house. To marry. Take the dream trip. Achieve financial freedom and independence.
2. Define your investor profile
How to invest money and make a profit?
In this topic, we will list the 15 essential tips to better understand how to invest money and be successful in your choices as an investor. The recommendations apply to both beginners and experienced investors.
1. Make a financial plan and have clear goals
Before you start investing money, you need to have your financial life in order. The best way to do this is through the preparation of good financial planning. Planning will allow you to catch up on your debts, build an emergency reserve, keep track of your expenses and have a percentage of your income earmarked for investments.
From there, it is also necessary to define the objectives, that is, what you are investing for. It's also okay to have more than one target for your investments. Examples of investment objectives are: Save for retirement. Buy a house. Save money for the kids' college. Change city or country. Leave the parent's house. To marry. Take the dream trip. Achieve financial freedom and independence.
2. Define your investor profile
Next, you need to define your investor profile, which is nothing more than determining your degree of risk tolerance in investments
The most common types are: conservative, moderate and bold. Each of them varies according to the characteristic of portfolio allocation. Conservative investors have lower risk investments, such as Direct Treasury, for example.
Of course, you don't necessarily have to keep the same profile your entire life, and there are nuances between one category and another. When you're younger, for example, it's natural for your profile to be more daring, as you still have your whole life ahead of you.
Investors with many years in the market, over many decades, can assume a more conservative characteristic to preserve their wealth accumulation.
3. Open an account at a stockbroker
3. Open an account at a stockbroker
All market investors must have an open and active account at a stockbroker. It is through it that you will access the financial investments available in the market.
4. Understand the phases of accumulation, multiplication and preservation/fruition
4. Understand the phases of accumulation, multiplication and preservation/fruition
Typically, your investor journey will be divided into three major main phases: accumulation, multiplication and preservation. If you invest regularly, as you grow as an investor, you will notice that each stage will have the following characteristics:
The next step in knowing how to invest money is to know the investment terms (short, medium or long). Some may be predetermined, such as Direct Treasury, certain Investment Funds and other Fixed Income vehicles. In other cases, you can carry the investment for your entire life, as in the case of stocks, BDRs and ETFs on the Stock Exchange. The importance of knowing investment deadlines is given by what we saw in tip number #1. When you have well-defined objectives, you know what timeframe the application must have to match your goal, as well as being consistent with the risk level.
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1)Accumulation phase: at the beginning, your equity is small or zero. At this stage, the goal is to start accumulating wealth. Generally, investors are still young, seek diversification and tolerate more risk in their investments, even if they invest with a focus on the long term. Therefore, it is important to start as soon as possible.
2) Multiplying phase: in this intermediate stage, already with some equity accumulated, you will find yourself in the moment of multiplying it to make the money yield while also thinking about ways to preserve what was invested until then.
3) Preservation and fruition phase: finally, in the last phase, the goal is to achieve financial independence and live on passive income from your investment portfolio. Close to retirement or already retired, it's time to work exclusively on ways to protect, maintain and enjoy your wealth. Therefore, taking exaggerated risks at this stage becomes unnecessary.
5. Know the investment deadlines
5. Know the investment deadlines
The next step in knowing how to invest money is to know the investment terms (short, medium or long). Some may be predetermined, such as Direct Treasury, certain Investment Funds and other Fixed Income vehicles. In other cases, you can carry the investment for your entire life, as in the case of stocks, BDRs and ETFs on the Stock Exchange. The importance of knowing investment deadlines is given by what we saw in tip number #1. When you have well-defined objectives, you know what timeframe the application must have to match your goal, as well as being consistent with the risk level.
6. Understand the risk x return ratio
When you start investing money to make real profits, it's important to be aware of what the relationship between risk and return means. Some investments are not necessarily bad, they just might have this relationship that is incompatible with your goals.
That is, some applications such as Fixed Income yield less, as their risk level is low. Also, don't take the word risk as just a negative thing. After all, any investment also has the "risk" of working out very well.
That is, some applications such as Fixed Income yield less, as their risk level is low. Also, don't take the word risk as just a negative thing. After all, any investment also has the "risk" of working out very well.
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