Clipping of news on Brazilian Culture, Law and Citizenship
12/17/2014
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Fabio Gallo, professor at the School of São Paulo Business Administration (FGV / EAESP), explains that an investment that gives the expected return depends on two variables equation: time available for that investment and importance of that money to make the investment.
Investments in retirement (investment contracts plans) are a good example, they have a long term and of great importance in the life of the saver because your income (or supplement retirement) will depend on it. "In other words, the importance of this investment is vital, but the deadline to apply it is over. You need to think that the longer the term, the greater the importance, the less risk you can take. "Gallo teaches that the opposite is true.
Only those who invest a money which does not need to take life, may be at higher risk, in order to expand the gains. "In this case, it applied in the bag, but the risk is high, depends on variables that the individual knows little. You need to start small, do not apply all at once, preferably with professional guidance. "
See more investments that generated in 2014
From January to November
FGV and XP Investimentos
The teacher indicates the old savings for those who need to have liquidity. "The person who puts the money in savings will not get rich by investing the same amount in the bag and may have many troubles if you do. This investment return is low, but safe. This year is just over 7%, but it's a point above inflation. The bag nor did it come, "he adds.
For Livia Mansur, strategist at investment XP, the best choices this year in fixed income were the LCIs and LCAs, which are securities of real estate and agricultural, respectively.
"They gave the investor the best risk-return ratio and have advantages such as not subject to income tax and the coverage by the Credit Guarantee Fund. In addition, increased with rising interest rates, the Selic. The profitability was around just under 1% per month [0.8% and 0.9%]. "
LCI and LCA were so on the spot that the fund industry has complained of the gains of these investments and there are rumors that the market pressing the government to start charging IR them. "Any change of this kind, who have LCA and LCI, you should review the investment," says Livia.
Other investment recommended by the strategist are encouraged debentures. Are debt securities that companies market to capitalize on the market and not have to get money to finance its activities in the banking sector, which charges high. Were created in 2011 by the government to encourage companies that make large infrastructure projects in the country. Currently, there are nearly 100 companies with projects approved in the transmission line. Also do not pay IR. "It has increased the demand and the gain is almost liquid," says the strategist.
Gold also had a good performance, but Gallo, FGV, says: "Investing in gold is only for those who already have diversified investments, for lack liquidity due to the difficulty marketing. But it is possible to invest in the BMF & Bovespa and exchange funds. If the investor is well oriented, can win. "
The academic and strategist emphasize that the scenario for 2015 should be viewed with changing possibilities, whether internal - drawn by the new Brazilian economic team - and external (that deal with the entire global financial market). "It's maxim never invest all in one option. Do not put all your eggs in one basket, "says Livia.
For financial educator and coach Ana Paula Horn is to be patient, both to save and to invest. "Patience is the scales between being in debt or have savings. If you know how to wait, guard to spend in the future on your goal. If you have no patience, anticipates the purchase and indebted. The same goes for investments. The investor patient gets the best returns, "he explains.
how to invest
See the tips and cautions raised by the financial educator and coach Ana Paula Horn before making an investment.
1) Be clear of your personal goals, family and work and set goals over time to know how and when you will need the money.
2) Establish three parameters for analysis before making the investment: profitability (which will also depend on the amount to be invested), liquidity (time and availability to have the money at the right time) and risk. "When you have clear objectives and the time that you want to reach them, you can find the most appropriate investment to the need," says Ana Paula.
3) Enumerate risk profiles and different deadlines for long-term investments, such as emergency fund, realization of dreams, build equity and retirement;
4) Pay attention to the tax issue. For each type of investment there is a different tax burden, which makes all the difference in profitability. There are progressive tables, ranging reducing taxes over time and so it is also important to plan the period within which the investor can leave the applied feature.
5) In addition to the investor's profile, life stage in which it is also analyze the current market to decide where in applying. Study and report on the trends of rising or falling interest rates, stock market volatility and exchange, among others.
6) Study, ask for advice, be informed. Do not make hasty decisions without information. Read the prospectus before investing and contracts. Know the risks, taxes, the terms and conditions of the operation.
7) Invest in you and in your career or business. The investments made in education and personal and professional preparation often bring much higher than the market interest returns. A young man who invests in a college, post course or technical course, will have a potential to increase its much larger wage gains than leave the money equivalent to the applied course.
8) Diversify investments, but not too much spray the capital.
9) Be careful not see their investments as if they were a casino game. There is much study and analysis behind the stock prices. Look invest in markets you know. Study, seek guidance. Prefer apply in investment funds to invest directly in stocks because they have highly skilled people working and studying markets and to have diversification. More importantly, check out these long-term investments. Companies to be invested grow, prosper and bring return over time. If there happens to be speculation.
10) When investing in stocks inquire about the roles that distribute dividends (profits).
11) Watch the controls and monitoring - not to be applied at one end and debt in another.
12) Make safe.
Source: IG
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This article was translated by an automatic translation system, and was therefore not reviewed by people.