How to invest in stocks with 100 reais? See if it's possible!

Have you ever believed the myth that you need a lot of money to start investing? We created this article to prove that this is not true! Read now and learn how to invest in stocks with 100 reais.

Did you know that you can invest in stocks with 100 reais? In fact, even with less than that!

But it is important to remember that your intention, in the beginning, should not be to obtain surreal gains, but rather to obtain knowledge and practice in the financial market.

If you want to start investing but don't have much money, read this content until the end. We'll show you that it's possible to invest in stocks with 100 reais and how to do it.

Why is investing 100 reais in savings not a good investment?

Everyone needs to have a savings account, right?

Savings accounts have daily liquidity (this means you can withdraw the money at any time), are safe, can be used to receive payments, etc.

However, as a form of investment, it is not a good deal.

In 2021, Copom (Monetary Policy Committee) raised the basic interest rate to 6.25% per year. Even so, the traditional savings account is still not worth it, financially speaking.

To make money work for you, you need to look for more profitable investments, such as other fixed income investments or the stock exchange.

How to invest in stocks with 100 reais?

Now that you know that it is possible to invest in stocks with 100 reais and that savings accounts should not be used as a form of investment for the future, it is time to learn how to maximize the gains from your investments.

Want to know how to start investing with little money? Then check out these tips:

1. Have an emergency fund

The first step to starting to trade on the stock market, even with little money, is to build up your emergency reserve.

Ideally, this reserve should have the amount necessary to cover your living expenses for at least 6 months, in case you become unemployed or have to pay a large amount to deal with financial contingencies.

The best option is to invest this emergency reserve in a highly liquid security, such as Tesouro Direto and CDBs.

2. Do some financial planning

One of the biggest mistakes made by those who want to start investing is not planning their finances.

You can be sure that even experienced investors, with many years of experience in the stock market, always make good financial plans.

In this plan, you must include how much you earn, what your monthly expenses are and how much you can invest per month.

3. Set earning goals

Before you start buying shares on the Stock Exchange, you need to know what you expect to gain in return for your investments.

It is important to remember that shares are considered variable income investments. In other words, they can bring good financial returns. However, the risks are greater.

For this reason, it is important to analyze the level of risk you are willing to face.

Set your profitability goals and risk tolerance based on your investor profile.

4. Know your investor profile

The investor profile is an analysis of your characteristics in relation to investments.

These are the main characteristics of each investor profile:

• Conservative: prioritizes security in its applications. Therefore, most of the assets that make up its portfolio are low risk and, consequently, lower profitability.

• Moderate: As the name suggests, this is an investor who has a certain tolerance for risk, but does not give up security.

• Bold: The bold investor knows that short-term losses are temporary and his focus is always on the long term. He is willing to take more risks in exchange for high profitability.

5. Don't look for magic formulas

You already know that it is possible to invest in stocks with 100 reais. But be careful: don't believe in the promise of surreal gains, especially in the short term.

Anything that promises returns well above average is usually a misleading invitation and will actually cause you to suffer losses.

There are no magic formulas in the financial market. You need to be patient, disciplined in your studies and pay attention to the main economic trends, which almost always have an impact on your investments, whether positive or negative.

Discover the fractional market

Knowing what the fractional market is is essential for anyone who wants to invest in shares with little money.

It consists of buying and selling shares in quantities smaller than the standard lot, which is made up of 100 shares.

This means that in the fractional market, if you want to invest in just one share, you can.

Another advantage of this market is that, in addition to being able to invest in shares with 100 reais (or even less), it is also possible to diversify your portfolio and, over time, accumulate different types of securities.

Fractional market vs. full market: what's the difference?

In the common stock market, which is also known as the comprehensive market, shares are sold in hundreds.

This means that you can only buy a lot that has at least 100 shares.

As you can see, in this case, the financial investment is higher and therefore, it is not always advantageous for those who are starting out in the stock market with little money.

In the fractional market, you can invest between 1 and 99 shares.

How to buy shares on the fractional market?

To buy fractional shares, you just need to include the letter F at the end of the code you want.

Then choose the number of shares you want to trade, which can be between 1 and 99.

Conclusion

Investing in stocks with 100 reais is possible and not as complicated as you might think! Study the market, create an investment strategy and always focus on the long term.

If you liked this article, also see “How to start investing in stocks: step by step”.

Click here.