7 things to invest your 13th salary in

Are you thinking of investing your 13th salary?

In a scenario in which the bills are up to date, it is already possible to start thinking about applications to invest using the 13th salary.

Obviously, this money can be used in a variety of ways: paying off debts, paying bills, traveling, and so on.

But if you're looking to build up an emergency reserve or want to start investing to achieve certain goals, it's time to learn more about some of the financial investments on the market.

And if you want to know more about it, read on.

Why invest your 13th salary?

The 13th salary is an excellent opportunity to start investing.

After all, it's extra money that's outside your monthly budget.

However, if you have debts and are behind on your bills, the ideal thing to do is to use it to pay off your financial debts. That way, you can start 2022 with more peace of mind.

However, if it is possible, you can be sure that investing your 13th salary is an excellent way of earning income and increasing your financial security.

This money can be used to achieve short-term financial goals, or even to get you into the habit of investing with the medium and long term in mind.

Do you have to invest your entire 13th salary?

It all depends on your current financial situation and your goals for 2022.

Many people believe that 13th salary should be used for end-of-year shopping, travel and other expenses that people usually have at this time of year.

Obviously, there's nothing wrong with using your money for more leisure.

However, keep in mind that at the beginning of 2022, some bills will arise, such as the IPTU and the purchase of school supplies.

That's why it's important to do some financial planning before you put that money into any kind of investment or spend it on end-of-year shopping.

This way, you can find out whether the best option for you is to build up an emergency reserve, invest or pay off debts.

How to invest your 13th salary?

If you've decided that you want to use your 13th salary to invest, here are some of the investments available on the market:

1. CDB (Bank Deposit Certificate)

A CDB is a private fixed-income security issued by banks.

In other words, when you buy a CDB bond, you are lending your money to the financial institution.

In return, on the date defined at the time of the contract, you will receive your invested money plus interest.

The CDB is ideal for those who prioritize security and are just starting out in the world of investments. 

2. Treasury Direct

Treasury Direct is another safe and affordable fixed-income investment.

By the way, did you know that with just R$ 30, you can already invest in the Treasury Direct?

To choose the best bond, you need to define the timeframe in which you intend to withdraw this money and the risk you are willing to take.

There are three groups of government bonds for sale on Tesouro Direto:

- Prefixed: You can know exactly how much you'll receive when you buy a bond, as long as you only redeem it when it matures.

- Post-fixed: you will only know the total return on your investment when you redeem it.

- Hybrid title: hybrid bonds have a remuneration defined at the time of purchase and another linked to the variation in inflation.

3. Digital banking

Digital banks aren't exactly a form of investment.

However, by putting your money in a digital banking, you can get higher returns than savings.

This option is ideal for those who want to build up an emergency reserve (since you can withdraw the money at any time) and leave the money earning.

Among the main options for banks or digital wallets are the following:

- Nubank

- Picpay

- Inter Bank

- Mercado Pago

- Neon

- C6 Bank

- PagBank

- Original Bank

4. Real estate funds

With less than R$ 100, you can already invest in real estate funds.

The Real Estate Investment Funds (FII) are funds made up of investments in the real estate sector.

This option is recommended for more aggressive investors, i.e. those who are willing to take certain risks in exchange for good returns.

As real estate funds are a variable income investment and therefore subject to more risk and uncertainty, Fiis are not the best option for building an emergency reserve.

5. LC

The LC (Bill of Exchange is a fixed-income investment).

The downside is that the minimum amount to invest is a little higher than the other investments we've shown here.

At some brokers, the minimum amount to invest in LCs starts at one thousand reais.

LCs work in a similar way to CDBs. However, they present a slightly higher risk (although they are still considered safe).

6. Actions

Investing in shares means buying fractions of the share capital of organizations.

In other words, it's the title that makes you a partner in a company, guaranteeing the right to assets and financial results.

Any individual can investing in shares.

In fact, contrary to what some people say, you don't need a lot of money to become a stock market investor.

7. Equity funds

The main purpose of equity funds is to invest in the stock market.

They must invest at least 67% of their assets in shares traded on an organized market, such as the stock exchange, for example.

In the same way as other types of funds, share prices are also considered a collective investment, in which the funds of several shareholders are invested jointly in other investments.

Conclusion

Now you know how to invest your 13th salary.

And the good news is that to invest, you don't have to give up the parties and celebrations that are so common at this time of year.

However, if you can set aside part of that money for your financial goals or to create an emergency reserve, you'll start 2022 with more security and peace of mind.