Investments: what is it and why invest?
Nowadays, many people are not satisfied with being limited to the traditional income of a salary or just investing in savings, looking forward to options to supplement the budget and achieve financial independence. With that in mind, we prepared content talking about what investment is and why to invest.
The financial market has been proving to be an extremely attractive alternative for many people in Brazil, increasing the number of people interested in learning more about the Stock Exchange and discovering the assets that can deliver the best profitability . Do you also want to learn? So, continue your reading!
What is an investment?
First of all, it is necessary to better conceptualize what an investment is. In practice, it is any expense or application of resources made with the aim of obtaining future returns, using market knowledge and strategic analysis for this. That is, it is not something that can be done in any way or without adequate preparation.
In simple terms, people who make investments are, most of the time, “lending” their money to companies or even to the government, who pay the amount back plus interest. For this, it is essential to evaluate a series of factors, such as the solidity of the institution, the type of application, the rules of the sector, and so on.
What is an investment?
First of all, it is necessary to better conceptualize what an investment is. In practice, it is any expense or application of resources made with the aim of obtaining future returns, using market knowledge and strategic analysis for this. That is, it is not something that can be done in any way or without adequate preparation.
In simple terms, people who make investments are, most of the time, “lending” their money to companies or even to the government, who pay the amount back plus interest. For this, it is essential to evaluate a series of factors, such as the solidity of the institution, the type of application, the rules of the sector, and so on.
What is the difference between investment and savings?
Historically, Brazilians got used to investing their money in savings , especially when we had out-of-control inflation, which reached double digits per month. However, one must bear in mind that the scenario has changed and that, in practice, “investing” and “saving” are terms with very different meanings.
Savings is nothing more than a way to save resources, which are deposited and have a discreet income when the application has a monthly anniversary. The investment, on the other hand, is made to be remunerated in the future and, depending on the characteristics of the asset, it can offer excellent returns, although it also has risks.
What is the difference between investment and speculation?
Savings is nothing more than a way to save resources, which are deposited and have a discreet income when the application has a monthly anniversary. The investment, on the other hand, is made to be remunerated in the future and, depending on the characteristics of the asset, it can offer excellent returns, although it also has risks.
What is the difference between investment and speculation?
Another common confusion for those thinking about entering the financial market is the differences between an investor and a speculator. However, although they have similarities, they are figures with very different characteristics. The fact is that an investment operation depends on a lot of analysis to offer adequate returns.
Speculation , on the other hand , is different, as it plays with conditions of much more uncertainty and, eventually, related to even abstract issues, such as the person's instinct or “feeling”. Such uncertain conditions, therefore, may end up being associated with extraordinary gains or losses of enormous amounts of capital.
Why is investment not a gamble?
As we have seen, investing is not speculating or betting. The most successful investors throughout history are precisely those who have extensive knowledge of the financial market, to the point of identifying the best opportunities and foreseeing trends long before others. Remember: nothing prevents you from being like this one day too.
While in a bet we depend exclusively on luck to obtain returns, investing in the Stock Exchange will require a lot of study and analysis of the assets, their potential and their risks. Although this does not mean that profitability is guaranteed, this assessment and care are compatible with much greater possibilities for profit.
Speculation , on the other hand , is different, as it plays with conditions of much more uncertainty and, eventually, related to even abstract issues, such as the person's instinct or “feeling”. Such uncertain conditions, therefore, may end up being associated with extraordinary gains or losses of enormous amounts of capital.
Why is investment not a gamble?
As we have seen, investing is not speculating or betting. The most successful investors throughout history are precisely those who have extensive knowledge of the financial market, to the point of identifying the best opportunities and foreseeing trends long before others. Remember: nothing prevents you from being like this one day too.
While in a bet we depend exclusively on luck to obtain returns, investing in the Stock Exchange will require a lot of study and analysis of the assets, their potential and their risks. Although this does not mean that profitability is guaranteed, this assessment and care are compatible with much greater possibilities for profit.
Why is investing an excellent idea for you?
At first, investing should be an excellent idea for everyone. And this is justified for a great reason: it is a relatively simple opportunity to earn more money. The financial market offers possibilities for all types of profiles, and, even with fluctuations in the world economy, the Brazilian Stock Exchange operates at its highest levels.
In addition, it can be a way to achieve different goals, such as acquiring a property, more peace of mind for retirement, capitalizing on the trip of your dreams or ensuring your children go to college. Depending on the composition of your portfolio , it is also a way to create a financial reserve for emergency situations for any eventuality.
Why define your type of investor profile?
As we said, the financial market reserves alternatives to contemplate practically any objective. Naturally, this makes it very important to know your investor profile and how much you are willing to risk in the face of possible losses. Some, for example, are more conservative, preferring secure applications.
Other people, on the other hand, are more aggressive or bold, dealing well with unpredictability in order to have high gains in a longer period of time, even if this generates fluctuations and possible losses. We also have the moderates, who are a kind of middle ground between the extremes and accept taking risks in some situations.
What are the main investment options on the market?
Ready! If you've come this far, you already know what an investment is, why invest and even how to identify your investor profile. Therefore, it is highly likely that you are eager to take your first steps in the financial market, but to succeed, you need to know your options. Check out some of the main applications available below.
At first, investing should be an excellent idea for everyone. And this is justified for a great reason: it is a relatively simple opportunity to earn more money. The financial market offers possibilities for all types of profiles, and, even with fluctuations in the world economy, the Brazilian Stock Exchange operates at its highest levels.
In addition, it can be a way to achieve different goals, such as acquiring a property, more peace of mind for retirement, capitalizing on the trip of your dreams or ensuring your children go to college. Depending on the composition of your portfolio , it is also a way to create a financial reserve for emergency situations for any eventuality.
Why define your type of investor profile?
As we said, the financial market reserves alternatives to contemplate practically any objective. Naturally, this makes it very important to know your investor profile and how much you are willing to risk in the face of possible losses. Some, for example, are more conservative, preferring secure applications.
Other people, on the other hand, are more aggressive or bold, dealing well with unpredictability in order to have high gains in a longer period of time, even if this generates fluctuations and possible losses. We also have the moderates, who are a kind of middle ground between the extremes and accept taking risks in some situations.
What are the main investment options on the market?
Ready! If you've come this far, you already know what an investment is, why invest and even how to identify your investor profile. Therefore, it is highly likely that you are eager to take your first steps in the financial market, but to succeed, you need to know your options. Check out some of the main applications available below.
DIRECT TREASURE
It is impossible to talk about the main investment options in the financial market in Brazil without mentioning Treasury Direct, a very common choice these days. This occurs, above all, due to their numerous benefits, since they are public bonds and offer returns with a predetermined term, plus interest and certain corrections, such as inflation itself .
It is a sure-fire alternative to compose the portfolio of conservative and moderate profiles, as the resource is loaned to the Federal Government, in order to finance a series of government activities. Therefore, the chances that they will not be paid are practically zero, even in the face of a crisis or very adverse economic situation.
BANK DEPOSIT CERTIFICATE (CDB)
The Certificate of Bank Deposit , more commonly known by its acronym CDB, is a very popular investment in fixed income , depending only on the already mentioned Direct Treasury. Its operation is more or less the same, but with the difference that, instead of lending to the Federal Government, the resource is used by large banking institutions.
Even so, security is also very high, as banks are very solid organizations, and you can choose the type of CDB you want to apply. As if that were not enough, there is also the protection of the so-called Fundo Garantidor de Créditos (FGC) , which ensures partial or total payment to investors in the event of default.
The Certificate of Bank Deposit , more commonly known by its acronym CDB, is a very popular investment in fixed income , depending only on the already mentioned Direct Treasury. Its operation is more or less the same, but with the difference that, instead of lending to the Federal Government, the resource is used by large banking institutions.
Even so, security is also very high, as banks are very solid organizations, and you can choose the type of CDB you want to apply. As if that were not enough, there is also the protection of the so-called Fundo Garantidor de Créditos (FGC) , which ensures partial or total payment to investors in the event of default.
ACTIONS
When we talk about the financial market, stocks usually come to people's minds, as they are an extremely popular asset that influences the sector as a whole. In practice, they represent the smallest part of a publicly traded company. When you invest in them, you become a kind of partner in the organization, both in profits and losses.
In the same way that the investor shares the company's risks, he can obtain great returns with eventual gains achieved with a good performance. Therefore, to trade this type of stock, it is very important to know the risks they present, having a lot of knowledge of the facts or betting on very solid institutions.
When we talk about the financial market, stocks usually come to people's minds, as they are an extremely popular asset that influences the sector as a whole. In practice, they represent the smallest part of a publicly traded company. When you invest in them, you become a kind of partner in the organization, both in profits and losses.
In the same way that the investor shares the company's risks, he can obtain great returns with eventual gains achieved with a good performance. Therefore, to trade this type of stock, it is very important to know the risks they present, having a lot of knowledge of the facts or betting on very solid institutions.
REAL ESTATE FUNDS (FII)
The Brazilian real estate market is highly valued, and this is nothing new around here. However, many people do not have the money to buy a house, an apartment or even land. However, this does not mean that they cannot invest in the segment, as the famous Real Estate Funds open the prerogative for a value much less than that of a property.
It is a variable-income financial investment , which brings together the resources contributed by several investors to capitalize undertakings, such as shopping malls, condominiums, commercial warehouses, and so on. Usually, the return comes through the payment of monthly rents. In addition, the product is exempt from income tax, which is excellent.
The Brazilian real estate market is highly valued, and this is nothing new around here. However, many people do not have the money to buy a house, an apartment or even land. However, this does not mean that they cannot invest in the segment, as the famous Real Estate Funds open the prerogative for a value much less than that of a property.
It is a variable-income financial investment , which brings together the resources contributed by several investors to capitalize undertakings, such as shopping malls, condominiums, commercial warehouses, and so on. Usually, the return comes through the payment of monthly rents. In addition, the product is exempt from income tax, which is excellent.
LETTERS OF CREDIT
Letters of credit are nothing more than securities issued by a financial institution, whose main objective is to finance certain sectors. In practice, this means that they function more or less like government bonds, but they are private debts, which pay their return at an interest rate.
The banks that make the capitalization of money and a modality that has been very successful in recent times are the LCIs (Real Estate Credit Letters) . As the name suggests, they are used to finance the real estate segment, with funds destined for individuals or companies wishing to build, renovate or buy properties.
Throughout our content, you learned what investment is and saw why it is so important to start investing. It can be a way to make your projects possible or simply earn more money, in a sector with great growth potential and great possibilities for returns!
Letters of credit are nothing more than securities issued by a financial institution, whose main objective is to finance certain sectors. In practice, this means that they function more or less like government bonds, but they are private debts, which pay their return at an interest rate.
The banks that make the capitalization of money and a modality that has been very successful in recent times are the LCIs (Real Estate Credit Letters) . As the name suggests, they are used to finance the real estate segment, with funds destined for individuals or companies wishing to build, renovate or buy properties.
Throughout our content, you learned what investment is and saw why it is so important to start investing. It can be a way to make your projects possible or simply earn more money, in a sector with great growth potential and great possibilities for returns!
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