Moderate Profile? See which investments are best for you!

When it comes to investing, understanding your investor profile is essential to making the right choices. 

If you identify with one moderate profile, This article is especially for you. 

In it, we will highlight what characterizes this profile, its main characteristics and which investments are most recommended by experts. 

So, be sure to follow along to choose the best investments from now on! 

What does the moderate profile look like? 

O moderate investor profile is one that seeks a balance between security and profitability. 

These investors are not completely risk averse, but they are also not comfortable with high market volatility. 

Capital preservation is important, but growth potential is also a crucial factor. 

In other words, the moderate investor is willing to accept calculated risks in exchange for returns that are superior to those offered by extremely safe investments.

What are the main characteristics of a moderate investor? 

Moderate investors are known for their ability to balance risk and return. 

They value diversification, maintaining a portfolio that includes both fixed and variable income. 

This profile generally has a medium to long-term investment horizon, which allows them to better take advantage of market fluctuations without panicking in times of crisis. 

Flexibility and adaptability are trademarks of this group.

Best investments for the moderate profile

Although this profile invests in more balanced options, it is still important to know which are the best options. 

In short, they must combine security and profitability. See below the best investments for investors with this profile. 

1. Multimarket funds

Multimarket funds are an excellent choice for investors with moderate profile. 

These funds allow diversification across different assets, such as fixed income, shares and foreign exchange, with professional management that aims to maximize returns, adjusting risk exposure according to market conditions.

The flexibility of multimarket funds is a major attraction, as managers can quickly adjust the portfolio to take advantage of opportunities and minimize risks. 

This feature makes them an option aligned with the desire for balance between security and profitability of moderate investors.

Read also: What is a conservative portfolio and how should it be set up?

2. Debentures

Debentures are debt securities issued by companies that offer an attractive alternative to traditional fixed income investments. 

Investing in debentures is basically lending money to companies in exchange for interest, with the possibility of finding incentivized debentures that are exempt from Income Tax, further increasing their attractiveness. 

This investment provides higher returns than CDBs and Tesouro Direto, especially incentivized debentures. 

Careful analysis of the issuing company is essential to control risk, making this type of investment a solid choice for the moderate profile.

Read also: Investor profile, do you know what yours is? Find out!  

3. Real Estate Funds (FIIs) 

Real estate funds offer a way to invest in large real estate developments without the need to purchase a property directly. 

They periodically distribute the rents received from the properties in their portfolio, providing a constant passive income. 

The combination of the potential for property appreciation with the generation of passive income makes FIIs an excellent option for moderate investors who seek security combined with wealth growth. 

Furthermore, the liquidity of FIIs in the secondary market is a significant advantage, allowing adjustments to the portfolio as needed.

4. Blue Chip Company Shares

Investing in shares of blue chip companies, those that are large and consolidated in the market, offers a safer entry into variable income. 

These companies have a history of stability and growth, even in times of crisis, reducing the volatility associated with equity investments. 

Blue chips are less volatile and often offer regular dividends, providing an ideal balance between risk and reward.

For the moderate investor, these shares represent an opportunity for superior gains with controlled risks, aligning well with your expectations of profitability and security.

5. ETFs (Exchange Traded Funds)

ETFs are funds that replicate market indexes and are traded like shares on the stock exchange. 

They offer instant diversification and have relatively low costs, making them an excellent option for moderate investors looking for exposure to different sectors or markets without having to select individual stocks. 

The ability to easily buy and sell ETFs on the secondary market provides flexibility and convenience, while diversification reduces the risk associated with individual investments. 

This combination of characteristics makes ETFs a popular choice among moderate investors.

Conclusion

For investors with moderate profile, finding the balance between security and profitability is essential. 

Diversifying your portfolio with multimarket funds, debentures, real estate funds, blue chip stocks and ETFs can provide this balance. 

These options, widely recommended by experts, allow you to grow your assets safely and consistently, taking advantage of market opportunities without exposing yourself to excessive risks.

According to a survey by Anbima, 32% of Brazilian investors have a moderate profile, highlighting the importance of understanding their characteristics and investment options. 

With this knowledge, you will be better prepared to make financial decisions that reflect your goals and risk tolerance.

Invest wisely, respecting your profile and always seeking the ideal balance to achieve your financial goals. 

Read also: Financial leverage: what it is, advantages and risks