Smart investments for 2024: Where to put your money?

With this new year beginning, planning must also begin, so those who are in the know about the financial market are starting to look for ways to invest smartly for 2024.

With the continuous volatility of the markets and changes in global economic conditions, finding the best places to invest has become an even more challenging task.

However, some areas continue to attract the attention of investors looking to maximize returns and manage risks, and new ones are emerging all the time.

Therefore, before starting a new investment round in 2024, it is necessary to consider a diversified and strategic investment approach, adapted to personal circumstances and the current economic scenario.

Types of smart investments for 2024

If you still don't know where to put your money and start your smart investments for 2024, we have the perfect tips for you!

Then continue with us in this article to find out more:

Tesouro Direto and Tesouro Selic

Regardless of the year, whether it's this year or next, the Treasury Direct remains a viable and popular option for investing in government bonds, which generally offer greater security, profitability and predictability.

It is a fixed-income option that is considered safe because the government is considered a reliable payer. There are different types of bonds, such as Selic Treasuries, IPCA+ Treasuries and Prefixed Treasuries, each with specific profitability and risk characteristics.

In addition to the low risks, investors who choose these bank bonds may be exempt from income tax, depending on the type of bond.

And despite a return limited to the Selic rate, Tesouro Direto is a more interesting option than savings.

CDBs

Bank certificates of deposit are fixed-income securities issued by banks, which can have different terms or rates of return.

Its risk is generally low to medium, and may depend on the type of bank that is issuing the certificate or the term of your investment, so analyze these points before starting your smart investments for 2024.

The return is a little higher when compared to the Treasury Direct and you can choose whether you want fixed or floating rates, which will have an impact on your return.

When you invest in a CDB, you lend money to the bank in exchange for an interest rate. They can have varying terms and rates of return, depending on the issuing institution.

And another positive point is the protection of the FGC (Fundo Garantidor de Créditos), which guarantees up to R$ 250,000 reais of your investments per CPF and per institution.

LCIs

LCIs, or Real Estate Credit Bills, are another interesting option for those who want smart investments for 2024. They are fixed-income securities backed by real estate credits.

Like the Selic Treasury, LCIs are exempt from income tax for individuals who decide to invest in this asset. In addition, it is ideal for those with a conservative or moderate profile, as the risk presented is also low to medium, depending on the institution and term.

This asset also guarantees investors protection through the FGC, for investments of up to R$ 250,000 reais per CPF and institution. 

Fixed income funds

Fixed-income funds are options that offer more diversification to investors' investment portfolios. It is an alternative that consists of fixed-income assets in general for your investments, including government bonds, CDBs, LCIs and others.

They offer professional management and can be an option for those who are looking for diversification and don't want to worry about choosing individual securities.

International diversification

Another form of smart investment for 2024 that offers more diversification to your investor portfolio is international assets.

They are also an alternative for reducing risks related to the concentration of assets from a single market in your portfolio.

This can include shares in foreign companies, global ETFs (Exchange-Traded Funds), international funds, among others.

Alternative investments

Something that has recently become popular is the alternative investmentswhich fall outside the categories of fixed and variable income as we normally know them.

They bring more differentiated returns, which may or may not be more profitable, as well as greater diversification in terms of assets and financial resources.

They can be private equityThis is an investment made outside the stock exchange, directly in private equity with new companies that have growth potential.

Another popular option is the cryptocurrenciesThese are decentralized digital currencies with great potential for appreciation.

But we can also find alternative investments in commodities, international real estate, crowdfunding and venture capital.

3 tips for making smart investments for 2024

As well as knowing the smart investment options for 2024, let's also find out some tips that can make it easier for you to secure good returns in the new year.

1 - Be aware of the market

With more and more ways to get informed every day, information flies fast, and with it the market changes at the same speed. Keep an eye out for innovations, new news, trends and major events that could affect your investment portfolio.

2 - Have goals in mind

Having your goals in mind allows you to focus on what really matters, and this can vary from person to person. So, before you invest in something, define what you plan to do with that money. After this first step, you can avoid impulsive and emotional moves and think more with reason.

Clear objectives provide a basis for evaluating the performance of your investments. You can compare progress towards your goals and make adjustments as necessary to stay on track.

3 - Diversify

And of course, we can't forget about investment diversification, which helps to reduce the overall risk that your assets can provide. For example, if you only have one type of investment, you could suffer consequences such as a total loss if something goes wrong along the way.

In addition, diversification will protect you from market volatility, which changes every day, whether to the upside or the downside.

With these tips and the top smart investments for 2024, you're better aware of what might make the most sense in your investments and the impact it will have.