New year, new financial life. There’s no reason to continue with the same mistakes or ignore some cool options within the market. Especially because knowing, monitoring and choosing the best investment funds can help you consolidate your financial strategy. In 2023, this might become even more important, thinking regarding the national and international.
Therefore, it is worth understanding what alternatives are available in the financial market and what they offer. Thus, you can choose the one that is most in line with your characteristics.
Want to know more? See the 5 of the best funds for 2023 selected by our partner and investment advisor, Karina Afuso.
What we will see in this article:
Best mutual funds for 2023
Emergency reserve fund
Example: BTG Pactual Treasury Selic Simple FI RF
With high interest rates, the funds that follow the CDI yield are great options, because the profitability is very good, they have security and liquidity. It is a 100% Selic Treasury fund, but with advantages over the Treasury because it does not have a custody fee. In addition, there is no management and performance fee.
private credit fund
Example: IBIUNA CREDIT FIC FIM CP
For investors who want to seek a return above the CDI without running the risk of the Stock Exchange, credit funds can be a good option. The fund seeks opportunities in the local and international credit markets (limited to 20% of the net worth). It is worth mentioning that Ibiúna is a very renowned manager.
hedge fund
Example with low risk: Quantitas Galápagos FIM
High risk example: Legacy Capital FIC FIM
Multimarket funds have flexibility when it comes to allocation, and this asset class had excellent returns last year. This diversification of being able to invest in different asset classes and also in different markets, not only in Brazil, is essential for these funds to perform well in 2023 as well.
Manager funds are well known and have consolidated investment theses, the difference is in the degree of risk that each one can take.
Long biased equity fund
Example: Absolute Pace LB FIC FIA
This type of stock fund can have both long and short positions, so it can gain even in a bearish scenario. In addition to operating in the stock market through long and short positions, you can take advantage of opportunities in other classes such as currencies, interest rates and commodities.
How to invest in mutual funds?
After knowing which are the best investment funds for 2023, you need to know how to decide which ones might make sense for your strategy. So start by identifying your investor profile to understand your risk tolerance level.
In most cases, conservatives are more aligned with fixed-income funds, which can also help diversify moderate and bold portfolios. Those with greater risk tolerance can take advantage of variable income opportunities.
In addition to the profile, defining your goals is also important. In general, investing with a focus on the long term favors a possible accumulation of equity and dilutes part of the risks of variable income, for example. Short-term goals may be more suitable for fixed income.
After thinking regarding these questions, you should open an investment bank account. This way, you can access the funds that make up the institution’s portfolio or, in the case of ETFs and FIIs, purchase shares on the Stock Exchange.
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