Find out how to start investing if you are still new to this topic
Investing is for everyone: what you need is to know where to start. For Ana Leoni, specialist in financial behavior, the first step is to understand what your objectives are and, subsequently, invest in a way aligned with these objectives.
In this article, discover some paths and options to start investing consciously.
How to start investing?
Check out 10 expert tips:
- Take the first step. If you don’t want to start with R$1,000, start with R$500, but start;
What are the main investments for beginners?
For Ana Leoni there is no better investment, in general. This is because, for her, The best investment is the one that brings you closer to your goals.
For example, if you don’t already have a emergency reserve and your goal is to raise this money, the best option is to invest in products with greater liquidity. This way you can count on money when you need it. An example of this are the post-fixed products linked to the Selic rate.
If the goal is save money for retirement, something very long term, there could be interesting products suitable for this purpose. The examples are produced by private pension (VGBL or PGBL) or Tesouro Direto Renda+.
If the intention is to invest in something that has a realization date, such as a travel or change carit’s worth researching some options in Treasury bonds, investment funds OR pre-established investments with deadlines close to the target date.
What are the risks of investing?
Every investment involves a certain degree of risk, the expert emphasizes. There is credit risk, market risk, liquidity risk… But for you, risk must be seen as both a possibility of losing and gaining.
“The right dose will depend on the purpose of the resource and each person’s appetite. The utmost attention is not to give in to the promises of guaranteed returns, risk-free investments offered by anyone other than an institution authorized to operate by the Central Bank or by the CVM (Securities Commission). This is definitely a fraud.”
What are common beginner mistakes?
The main one, for Ana Leoni, is think that investing is only for those with a lot of moneyhe knows everything about the subject and that it is something that only serves to make someone a millionaire.
“In the end, no one gets rich by investing. Investments serve to maximize what we can save. Knowing this, we are able to align our expectations and better scale the efforts needed to move towards a more balanced, sustainable and lasting financial life,” she believes.
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Source: Terra
Ashley is a professional author and journalist, working at 247 News Update. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. She brings a unique perspective and in-depth analysis to her work.
