2023-04-26 18:30:17
What we will see in this article:
Brazil already has a new millionaire: Amanda. The doctor from Paraná won Big Brother Brasil this year, at dawn on Wednesday (26) and won millions, in addition to all the awards she won in the BBB23 competitions. The player who divided public opinion now has a new challenge, after all, how to manage so much money?
That’s because she returns to reality with BRL 2.88 million in her pocket, the biggest prize of the entire season of TV Globo’s reality show. But for that, Amanda will need discipline to handle the millionaire jackpot, being able to change her life and pay off any debt she has.
How much does the BBB23 prize yield?
To make the BBB23 award multiply, the main tip is to assemble a diversified investment portfolio. Through the Yubb investment platform, it was possible to simulate how much the millionaire amount of R$ 2.88 million would yield in some assets in 12 months, check it out:
- Master Bank Prefixed 15.46% (CDB) – BRL 345,596,967.83
- Bradesco Prefixed 11.39% (LCI) – BRL 321,173,429.81
- Agoracred Financeira 105% CDI (LC) – BRL 281,296,753.81
- Prefixed Treasury with 2031 interest – BRL 258,527,183.12*
- Savings – BRL 207,034,475.34
The result is the net profit of the investment, already discounted taxes and fees. But there are even more options and with an expert advisor, you can see where and how to allocate the money. Stock Exchange, real estate funds and even assets on the international market, for example.
And without the prize, how to start investing?
If you are not a BBB23 millionaire winner, know that you can earn good equity with a diversified investment portfolio. But how? Don’t worry, Cely Romero works with high-income client portfolio management and also with financial consulting. She gathered three important tips to start investing.
1. Evaluate the objectives to start investing
Before starting to invest, an important step is to assess your investment objectives, explains Romero. What you intend with the money is what will help you to know where to apply it, which could be in the short, medium and long term.
Do you want to buy a house? Traveling around Europe? Or else, ensure a good retirement? All this counts when investing. Rates, yield, liquidity and maturity are factors that affect the final result.
2. Get to know your investor profile
The investment adviser’s other tip is to know your investor profile. When opening your account at a financial institution, they will certainly complete a questionnaire to analyze your profile before starting to invest.
- Conservative – The conservative investor values security. To obtain it, he accepts the reality of having limited income, since the safest alternatives generally do not offer the most attractive returns.
- Moderate – the moderate investor is someone a little more dynamic than the conservative. He still has an attachment to security and is not interested in taking too many risks. However, he already accepts considering higher risk assets, especially for the long term.
- Thrown off – the bold investor is someone who prioritizes profitability. For this, as you have seen, it is necessary to give up a good part of the security — since assets with a higher possibility of return normally have greater risks.
3. Know where you are investing
Entering into an investment without knowing it is the same as getting married without knowing the groom: the chances of going wrong are great! For this reason, the expert warns that to start investing, you need to be aware of what it is and how it works.
Also, be sure to read economic news and stay on top of what is happening, so as not to fall into the trap that past profitability guarantees future profitability. And if you have any questions, among investors, we can help you!
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