Where to invest 1000 reais? Learn how to multiply your money!

Do you know how and where you can invest 1000 reais? This is one of the main questions for people who want to make investments in 2022.

Fortunately, there are several applications available on the market for all profiles and financial goals.

If you want to know what your options are, keep reading.

I want to invest 1000 reais per month. Where should I start?

The first step is to know your investor profile.

Your profile defines your tolerance to the risks involved and the main characteristics in relation to investments.

Basically, there are three profiles:

• Conservative: has an aversion to risks. Therefore, he always looks for safer investments, even if the profitability is lower.

• Moderate: prioritizes safety, but is willing to take certain risks in exchange for good earning opportunities.

• Bold or aggressive: is willing to take risks to obtain high profitability. Therefore, the bold investor gives preference to variable income investments.

Where to invest 1000 reais? The best options!

There are several possible options for investing 1000 reais.

However, each of these applications has very different characteristics.

Therefore, it is necessary to take into account your investor profile, your main financial objectives and the period of time you intend to leave this money invested.

See below what these options are:

1. treasury direct

Tesouro Direto is a National Treasury program developed in partnership with B3 – the Brazilian Stock Exchange.

Launched in 2002, the program was created with the aim of encouraging individuals to invest in government bonds.

In fact, with just R$ 35, you can already invest in Treasury bonds.

Basically, this type of fixed income investment works like a loan to the government.

In return, he will pay an interest rate when the bond matures.

The investor, in turn, has his money invested in a safe investment with a higher profitability than savings.

There are Treasury Direct bonds available for all profiles and short and long-term goals. They are:

- Selic Treasury: post-fixed option whose profitability follows the movement of the Selic rate, the basic interest rate.

- Fixed-rate Treasury: establishes the remuneration at the time of purchase of the title.

• Treasury IPCA+: part of its profitability is linked to the IPCA and another to a fixed rate.

2. Bank Deposit Certificate (CDB)

CDB is a security issued by banks or financial institutions to raise funds and finance their activities.

Investing in a CDB It's like becoming a creditor of the bank.

In exchange for this loan, when the bond matures, the investor will receive the money again plus the interest agreed upon at the time of the investment.

It is important to pay attention to the maturity date, as some CDBs have restrictions on early redemption.

The minimum investment amount varies depending on the chosen title.

There are titles that cost just R$ 10. However, there are others that require a minimum investment of R$ 100, R$ 1000 or even R$ 5000.

In other words, the minimum capital to start investing depends directly on the bank that will issue the title.

For this reason, it is ideal that you evaluate the available institutions, so that, choose the most suitable investment your financial reality.

3. Actions

Shares represent fractions of publicly traded companies, that is, those that are traded on the stock exchange.

It is in this market that the securities issued by these companies and other assets are traded.

In general, the objective is to raise money to invest in the business and increase the company's market value.

And contrary to what many people think, there is no minimum amount to invest in variable income.

Therefore, it is possible to make applications from R$ 1.

Of course, there are investment options that are not so accessible. However, there are a large number of options for investing with little money.

4. LCIs and LCAs

The Real Estate Credit Letter (LCI) and the Agribusiness Credit Letter (LCA) are excellent fixed income alternatives.

However, they are not issued by the government, as is the case with Tesouro Direto.

In fact, LCIs and LCAs are issued by banking institutions that will use the funds raised to finance activities in the aforementioned sectors.

Regarding the main advantages of this type of investment, it is the Income Tax (IR) Exemption.

In addition, LCIs and LCAs are guaranteed by the FGC (Credit Guarantee Fund).

It is important to remember that depending on the institution, the minimum amount to invest in a letter of credit can be quite high.

However, there is the possibility of finding LCIs and LCAs in which the minimum amount of money for investment is R$ 1000.

5. Investment funds

Investment funds can please all investor profiles.

Basically, they are a pool of resources, collected from individuals and legal entities, with the aim of obtaining gains from investment in securities and real estate assets.

In other words, they pool resources from several investors. The profits obtained from the investments are shared among the participants, in proportion to the amount deposited by each one.

The amounts to be applied to the funds are based on the strategies of the type of fund chosen and the composition of the product basket.

Regarding minimum values, they vary from R$ 50 and can exceed R$ 100 thousand.

Among the most common funds, we can mention:

• Currency and gold fund

• Equity fund

• Multimarket fund

• Fixed income fund

• Pension fund

• Real estate fund

How much does 1 thousand reais yield in Tesouro Direto?

Tesouro Direto is one of the safest and most profitable investments in the financial market. It has three models with different objectives and characteristics, so the returns will also be different. 

The Tesouro Selic type is the least volatile of the three alternatives. On the other hand, the Tesouro IPCA and the fixed-rate are much more volatile, but if you redeem before the due date, you can lose or earn money with the mark-to-market. 

On the Tesouro Direto website you can do a real-time simulation of different bonds and their possible returns, so you will know where to invest 1000 reais to have more income.

See below some simulations carried out by us to find out how much 1 thousand reais yields in Tesouro Direto. 

In the results, you can also see a comparison with returns from other investments, for example, CDB and LCI.

Therefore, it is very interesting to carry out the simulation directly on the website. National Treasury.

We did the simulation as follows:

1. Simulate more options;
2. I have already chosen my title;
3. We choose the title and click on SIMULATE;
4. We click on “How much do I want to invest today”;
5. We enter the value of R$1,000.00 and click on SIMULATE.

See the estimated result in the right corner of the screen.

How much does R$1000 yield in CDB?

The CDB brings many advantages to its investors, including a high return on fixed income and also the security of the FGC. 

Furthermore, it has considerable value even for short-term goals. Not to mention that it is safer than savings. 

The profitability of this product can be pre-fixed and determined at the time of the contract. This way, you will know how much you will receive at the end of the redemption.

Another form of profitability is post-fixed. In this alternative, the income will follow the Selic Rate, which is currently at 13.75% per year.

Therefore, if you invest R$1000 in the CDB with a yield of 110% of the CDI, after 12 months, you will redeem an approximate amount of R$1,120.12.

In two years, the redemption value would rise to R$1,271.54.

What to buy with 1000 reais to resell?

If you are looking for where to invest 1000 reais, but you still don't want to invest this money in an investment fund, for example, you can choose other ways to make it yield. 

An interesting tip is to purchase items to resell. There are a number of products that can be sold in person or online, and are sold quickly.

Check out some alternatives below to start with R$1,000.00.

#Resale cosmetics

This is a perfect alternative for those who want to see their money multiply and start with little capital.

You can buy cosmetics in bulk for a lower price, and resell them to make a profit.

Among the alternatives, makeup is great for those who are still new to the market. This is because they are products with good demand, easy to acquire and resell.

In addition to makeup, you can resell natural products, hair products, perfumes, etc. 

A large part of the money earned from sales should be invested in purchasing new items and carrying out other measures to attract new customers.

Use social media to win new clients and promote your work.

#Semijoias and costume jewelry

This is also a great alternative for those looking for where to invest a thousand reais. The products are easy to purchase and also to resell. 

You can also resell jewelry, but it has a higher cost and requires more capital.

Other than that, it’s important to think about your audience. Where and to whom do you want to sell?

#Lingeries

Selling panties, bras, underwear, pajamas and the like is also a great idea for those who want to see their money multiply. 

Invest in beautiful, high-quality products at affordable prices. Also, promote the items well.

#Where to invest 1000 reais: resale of sweets

Selling sweets is also a world of possibilities. You can sell, for example: 

• Cake in a jar;
• Pies;
• Happily married;
• Cupcake;
• Truffles;
• Gourmet sweets;
• Gourmet ice cream;
• Pudding;
• Candies and lollipops;
• Truffled cones;
• Ice cream.

It is very important to sell tasty, quality and beautiful sweets. Take advantage of special dates to innovate by making baskets, kits, candy boxes, etc.

#Marmitas

With just a thousand reais you can open your own lunch box business, from your own kitchen. 

At first, you won't be able to serve on a large scale. However, as money comes in, you can invest in expanding your lunchbox business. 

#Arte, stationery and haberdashery

You can buy beautiful and unique items on foreign websites, including at great prices. 

If you prefer to buy in Brazil, with one thousand reais you can buy a good quantity of products that allow you to start with a nice variety.

Over time, you can innovate and expand your portfolio.

How can I invest 1000 reais every month?

To start investing this amount every month, you need to have good financial planning, conditions and discipline. 

If you still don't have the means, you can risk investing in extra income, including in the topic above you will find great suggestions.

If you are able to invest 1000 reais Every month, have discipline and start seeing your money yield as soon as possible.

Among the perfect investment models for those looking for where to invest 1000 reais every month, we can recommend:

• Direct Treasury;
• CDBs;
• LCI and LCA;
• CRI and CRA.

The ideal investment should be chosen according to your objectives and not just the amount you want to invest.

Even if you can't afford to start with that amount, start with whatever you can, even R$1. 

Of course, you won't have a lot of income, but you will create the habit of starting to invest and you will invest more and larger amounts.

Conclusion

Before making any financial investment, it is important to know your investor profile and define your financial objectives, both in the short and long term.

In fact, when it comes to investments, the consistency with which they are made is just as important as the value of the contributions.

Furthermore, to increase profits and minimize risks, it is important to diversify your asset portfolio!