Clipping of news on Brazilian Culture, Law and Citizenship
This article was translated by an automatic translation system, and was therefore not reviewed by people.
SÃO PAULO - a behavior called mental accounting affects many Brazilians. It concerns the fact that a person dealing with its assets in shares, with individual goals. Would be the case that taxpayers receiving a refund of Income Tax and the USA as a prize, not the amount intended to pay the bills. Or that father who leaves the money invested in college savings for the child, but it maintains debt.
This last case is common. Who ever heard that the money saved is "sacred." However, we must look carefully, because not always the approach is sustained. According to experts in personal finance, investing can - and should - be played at certain times, especially if the person contracting a debt and is quite difficult for her.
Leave in the investment
PhD Professor of FIAP (Faculty of Informatics and Management Paulista), Marcos Crivelaro, is quite emphatic when speaking of the matter: "Only hold the investment if the return is not less than the interest you are paying the debt." There are few cases where this is possible, since, historically, the interest charged on loans and financing are high in Brazil.
"If the person has a CBD gaining over 1% per month, and debt has interest of 1%, it is winning, then it is not shown taking the money from investment," explained Crivelaro. This can be possible when dealing with long loan, where interest rates decrease, and when dealing with loans made to retirees and pensioners of INSS (National Social Security Institute), called the set - with discount in payroll.
Stir in the investment
As the interest charged in Brazil tend to be not lower than the profitability of an investment, Professor of Economics and Finance, Department of Economics, PUC-SP (Catholic University), Nicholas Joseph Pompeo said that one should always move in an investment for the payment of debts.
"If a person has an investment and debt, the financial planning it has negative note," he said. To better explain why the interest is always higher than the return on investment, he said that banks capture a money to a certain rate and for profit, lend at a rate much higher.
Variable income
In relation to the stock exchange, the teacher of PUC-SP said that the performance can be good, able to make a person indebted to leave money in shares, instead of paying debts. However, all this depends on the performance of the economy. "It indicated to leave the money on the stock market is a risk it was not so volatile."
Crivelaro agrees that the person has money in shares and debt to get it to remove the charges because the loans have interest rates higher than the return that the type of investment has. "But take the money every month," said the expert. Thus, with high volatility, it may be that in some months the person will end up winning with the investment.
Source: Infomoney
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This article was translated by an automatic translation system, and was therefore not reviewed by people.