According to a survey carried out by Instituto Locomotiva in partnership with VR, at least 38% of Brazilian workers are willing to invest in something over the next 12 months. Are you part of that percentage?
In addition, 76% of those who participated in the interview said they did not have any financial investments. Among those who invest, 68% stated that the chances are great of making new investments over the years.
Adherence to the financial market and the ideology of making money work for you are small steps. So much so that 29% of people still haven’t started investing.
While 25% of workers showed difficulty in understanding financial matters. The lack of information and financial education is so harmful that 43% of them went into debt for buying without thinking.
Not to mention that 53% tried to get credit in the last 12 months and more than half succeeded. The reason for the entrepreneur varies, such as the appearance of an unforeseen event (44%) and paying with a credit card (22%).
How to start investing?
If you’ve decided to start investing, know that it’s a step towards more financial independence. But before you start, it’s very important to understand what your investor profile is. There are three options, conservative, moderate and bold, assessing how each person deals with financial market situations and especially their propensity for risk.
It is recommended to take the test to find out what your profile is, and it is even a requirement of the CVM (Securities and Exchange Commission) to make contributions. For this reason, every financial institution, such as an investment bank, applies a questionnaire to customers as the first step.
After that, reflect on your goals, why are you investing? What do you intend to do with that money? This is all part of financial planning so that contributions are regular and within each reality.
The third step is to diversify your portfolio. It is a strategy to minimize losses and guarantee gains, through knowledge of the market and the opportunities it offers. The idea is to distribute your money among the alternatives that make the most sense.
Here are 6 Alternatives to invest money
Escape the loan
One of the good practices for financial management is to save an amount that allows dealing with unforeseen events without compromising the budget. This amount is known as an emergency reserve and, in addition to setting it up, it is necessary to know which investment to apply it to.
After all, it is necessary to make the money have income to avoid the loss of purchasing power with the effects of inflation. At the same time, the chosen applications must have adequate characteristics to meet their objectives with the contribution.
The investment for the emergency reserve must consider specific characteristics. So, to make the choice easier, it makes sense to understand how it works, right? In practice, it must have a sufficient sum to help in times of difficulties and financial unforeseen circumstances.
Therefore, it is common for it to be assembled with the equivalent of 6 months of your cost of living. Thus, the money can be used in atypical moments that cannot be predicted – such as unemployment or car repair.
However, for it to perform this function, it is important that the amount is accessible. That is, it is essential that you can use the amount available when you need it most, easily and immediately.
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