2023-05-02 18:55:53
According to an Anbima report published in 2022, on the profile of Brazilian investors, 23% invest in savings, while only 5% opt for investment funds and private bonds, and only 3% choose government bonds and shares.
The survey also points out that 69% of Brazilians still do not invest, attributing this situation to factors such as lack of money, unemployment, inflation and insecurity. Another striking point of the survey concerns the knowledge of Brazilians regarding market solutions: 72% of the population claims not to know any type of product.
João Victor Grandizoli, an investment consultant accredited by the CVM and founder of Ludens Capital, points out that these data reveal the lack of knowledge of Brazilians, especially with regard to government bonds.
“With the interest rate currently at 13.75% per annum, investing in a Treasury bond provides a return much higher than that of savings, even in post-fixed bonds, which are the safest available. Therefore, the high percentage of people investing in savings indicates a lack of knowledge, which is also evidenced at the end of the survey”, explains the consultant.
Grandizoli believes that insecurity can be alleviated with the help of consultants and financial market professionals. He adds: “Investing should be a structured, long-term process. Occasional setbacks can occur, but with the right approach, it is possible to obtain good returns in the long term. A good investment process includes analysis of the risk profile, the investor’s current situation, objectives, current composition of assets and income. This provides a realistic plan and gives the investor security”. It is worth mentioning that investment consultants must be accredited by the CVM and undergo evaluations that prove their competence in the area, guaranteeing adequate and safe guidance to investors.
The survey applied standardized questions to check Brazilians’ knowledge of basic finance concepts, such as interest rates and inflation. Among classes A/B (higher income), the result was satisfactory, with approximately 74% of correct answers. However, in the lower classes, financial education still needs to evolve, with around 60% of correct answers in class C and 45% in classes D/E. About this, the consultant states that there is an effort on the part of consultants and financial planners to bring knowledge to people and help in the investment process.
The Consultant also addresses another survey, this time carried out by the CVM, which deals with financial scams, the survey says that scams involving cryptocurrencies are the majority today.
“I am not going to discuss whether or not I believe in cryptocurrencies as the future, or as a viable form of investment, but currently we see many Brazilians being attracted by schemes that promise exorbitant returns, claiming to be risk-free, which is unrealistic”, he says. He suggests that one way to avoid these scams would be to seek advice from qualified professionals. “What the research shows is that the majority of people who fall for cryptocurrency-related scams are people who do not have a well-diversified portfolio and are looking for exorbitant returns, the only way I see to improve this situation is to make them seek the help of a professional is something more common.
“Just as when we are sick we seek medical help, or when we need advice on laws and processes we look for a lawyer, people should turn to qualified professionals when they need information regarding specific investments”, adds the consultant.
Website:
1683095605
#Expert #comments #profile #Brazilian #investors
