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Success in finance: adequate facilities to save

04/01/2015

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




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Secure financial investment without management fee and income preserved from the income tax bite, the savings account is, at first glance, an ideal way to make a sock for the future. Occurs, however, that even with all these advantages, the savings should not be seen as ideal for long term investment.

The saver, one lucky this time of rising prices and income down, should consider other ways to preserve your savings for the future. One is the Treasury Direct, guaranteed application in government bonds with a return better than the book. Diversify investments should also be seen as an alternative for the more adventurous. Check the guidelines below.

By Jair Abreu Junior

QUESTION AND ANSWER

I would like to make a reservation for my newborn daughter until she was 18 years old. I make from R$ 300 monthly. The savings would be a good deal?

Fatima Fernandes, Niterói

Fatima, which is recommended, in general, when it comes to savings, is to not let the money invested for a long time, which is true in your case, who are 18 years, right?

It is worth mentioning some aspects such as the savings there is no brokerage fee. Many investments have a higher income, but you need to pay fees to the broker. Another point is that savings is exempt from income tax, which differs from other investments, and it may be better than many investment funds. Savings also has a high degree of liquidity, that is, you can have the money at any time.

We found, however, better options in the financial market, and one of them would be the Treasury Direct, with low risk and high profitability. You can also count on the Bank Certificates of Deposit (CDs) of smaller banks, but taking care of the possibility / risk breaking the bank, in which case having to resort to the Credit Guarantee Fund, aiming to recover the amount invested.

The government has confiscated the savings in the past, and it still causes a lot of fear, see the time of the Fernando Collor de Mello, since it is very difficult to predict what may occur in the Brazilian economy in the coming years. Thus, "never leave all your eggs in one basket."

It is important to tell the good of all investment opportunities and from there has to be better able to define its strategy of application according to their abilities and needs short, medium and long term.

In this context, I recommend that you check in the Brazilian market, offers practical courses for personal financial education.
It is a good outlet for information on the most important details of the subject.

Good luck!

Jair Abreu Junior is coordinator in Financial Management from the University Estacio de Sa



Source: The Day

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

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