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What is the best investment for 2015?

01/02/2015

This article was translated by an automatic translation system, and was therefore not reviewed by people.

 

 



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Where to invest the money saved is always a difficult decision due to the large amount of existing financial assets in the options market. But, undoubtedly, there is always great investment options
With higher interest rates, now is a good time to invest. Who will be able to save good results. However, the big mistake that I see is the idea of saving for no reason and always seek the best return. In the financial market, there are various application options in financial assets with different risks.

The orientation is to seek investment vary according to the time it will use the money. In general, the risk of a financial investment is directly proportional to the desired profitability by the entrepreneur, that is, the bigger the return estimated by the chosen type of application, the greater the risk, so caution is needed. In the field of action, look fondly companies that are down today as Petrobras, as many tend to resume their previous values.

However, to aid in this choice prepared some guidelines on the subject, reinforcing, one should always save, invest or trailer with the dream goal:

How and when the accumulated capital will be applied? You need to define how and when the accumulated capital will be used in the future. This decision will be important in the choice of investment in financial assets to protect savings. To do so, follow the directions given for the investment plan preparation.

How long the savings should be applied? In addition to preparing the application of savings plan, you must set the time (date) redemption of each financial asset chosen in accordance with the implementation schedule of the resources saved to be invested in achieving the desired goals for the business. The determination of each application time period is important when choosing the financial assets. The longer this period, typically greater profitability and lower incidence of taxes.

What investment risk? In general, the risk a financial investment is directly proportional to the desired profitability by the entrepreneur, that is, the bigger the return estimated by the chosen type of application, the greater the risk. The application of risk means that the entrepreneur can not get the promised return or even lose a portion of the applied amount. Therefore, it is important to know very well the attributes of each application, such as the level of risk, return, time of application, taxes and other expenses that will be charged, for example, the management fee required by investment funds with a view that could jeopardize the return on investment. It is good to remember always that past performance is no guarantee of future performance.

Where to invest? Where to invest the money saved is always a difficult decision due to the large amount of existing financial assets in the options market. But, undoubtedly, there is always great investment options.

Following the main alternatives are presented:

Referenced DI funds - are funds investing in government bonds, with yields linked to the CDI - Interbank Deposit Certificate. The DI funds have daily income and resources allow redemptions at any time.

Short-term funds - this type of fund invests in fixed income securities short-term, issued by the government. Profitability is also linked to the CDI (interbank interest rate).

Investment Fund - is a type of financial investment in which the investor acquires shares the assets of a fund managed by a financial institution. The share value is recalculated daily. The compensation varies according to the income of financial assets that make up the background. There usually guarantee that the amount redeemed will be higher than the amount invested. All the features of a fund must be included in the regulations. Aims to bring together financial resources of a group of people, companies or seeking its investment in financial assets owned by all investors and expenses, as well as the returns are divided in proportion to the investments.

Savings Account - savings accounts is the simplest investment, safe and popular among investors. Your income, monthly or quarterly, is fixed by the Central Bank, and the same for all financial institutions operating with this type of application.

CDB - Certificate of Deposit and RDB - Bank Deposit Receipts - CDB and RDB are fixed income securities that pay at defined periods, a return to the investor and that is a promise of future payment of the amount invested plus a negotiated rate at the time of application. The difference between the CBD and the CBD is that the RDB can be negotiated by transfer. The RDB is non-negotiable and non-transferable.

Government securities - applications that render fixed interest rate, floating-rate and mixed. Some bonds are paid by the exchange rate adjustment, while others are corrected for inflation rates, adjusted by the Selic rate (set by the Monetary Policy Committee - COPOM, the Central Bank of Brazil).

Stock - invest in the acquisition of shares means acquiring a fraction of the equity of a company and become a member. The valuation of shares, usually accompanying the company's results. If they are good, the share value tends to rise, instead, there will be a devaluation of financial asset.

Real Estate Credit Bills (LCI) - is a financial asset of fixed income secured by real estate and rendering applicators to interest and monetary adjustment.

All these lines of investments have their negative and positive points that depend on the situation and purpose of investor. But the best way for anyone who decides to change his life to become a saver is to seek financial education before investing.

Reinaldo Domingos, president of the Association of Financial Education, Financial Education DSOP author of several books on the subject.



Source: Administradores.com

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This article was translated by an automatic translation system, and was therefore not reviewed by people.

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