{"id":18356,"date":"2021-10-01T20:31:27","date_gmt":"2021-10-01T17:31:27","guid":{"rendered":"https:\/\/valorizei.com\/?p=18356"},"modified":"2021-10-03T02:41:25","modified_gmt":"2021-10-02T23:41:25","slug":"exemplos-de-ativos-financeiros","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/exemplos-de-ativos-financeiros\/","title":{"rendered":"Examples of financial assets: the best options"},"content":{"rendered":"

Discover some examples of financial assets and see how to increase your wealth in a more profitable way!<\/strong><\/p>\n\n\n\n

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Financial assets help your financial wealth grow over time. They are not tangible things, like a car or a piece of jewelry, but they generate income and can be traded on the financial market.<\/p>\n\n\n\n

However, despite the importance of this term, many Brazilians still do not know what financial assets are and what they mean in practice.<\/p>\n\n\n\n

To help you understand more about these investments, we have prepared this article for you! Continue reading to find out more.<\/strong><\/p>\n\n\n\n

What are financial assets? And what are examples of financial assets?<\/strong><\/h2>\n\n\n\n

Financial assets are intangible assets, such as public and private bonds, shares and bank deposits.<\/strong><\/p>\n\n\n\n

They represent a value, which, by the way, is derived from a contractual claim to which they correspond.<\/p>\n\n\n\n

By definition, financial assets are more liquid than intangible assets. But what does that mean?<\/p>\n\n\n\n

This means that assets can be converted into cash more quickly than a car or an apartment, for example.<\/p>\n\n\n\n

They are not assets that you can physically touch, as they exist only in digital form. Assets receive a value that comes from the supply and demand of the market in which they participate.<\/p>\n\n\n\n

\"ativos<\/figure>\n\n\n\n

What are the types of financial assets?<\/strong><\/h2>\n\n\n\n

We can divide financial assets into three types:<\/p>\n\n\n\n

\u2022 Income generation:<\/strong> These are assets that generate income for the investor who owns them, whether in the form of dividends or even rent receipts.<\/p>\n\n\n\n

\u2022 Capital growth assets<\/strong>: generate good returns, especially in the long term. They have high profitability and, therefore, higher risks.<\/p>\n\n\n\n

\u2022 Financial reserve: <\/strong>They are financial reserve assets to save money. The objective is to offer an emergency reserve to the investor and therefore, they are safer and have liquidity. Consequently, low profitability.<\/p>\n\n\n\n

What are the main examples of financial assets on the market?<\/strong><\/h2>\n\n\n\n

Now that you know what financial assets are and their characteristics, it's time to learn about the main examples available on the market.<\/p>\n\n\n\n

They are found in two categories: fixed income (known profitability at the time of application) and variable income (unpredictable profitability and high fluctuation).<\/strong><\/p>\n\n\n\n

See some of the most common examples on the market:<\/p>\n\n\n\n

1. Actions<\/strong><\/h3>\n\n\n\n

The shares represent<\/a> the smallest portion of the organizations' share capital.<\/p>\n\n\n\n

This means that when purchasing a share on the Stock Exchange, that is, a paper, the investor automatically buys a piece of the organization and gains the right to have a share in the profits.<\/p>\n\n\n\n

But unlike fixed income assets, stocks are completely subject to market fluctuations.<\/strong><\/p>\n\n\n\n

Furthermore, shares are adjusted according to the supply and demand of investors.<\/p>\n\n\n\n

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2. CDB \u2013 Bank Deposit Certificate<\/strong><\/h3>\n\n\n\n

CDB is a fixed income investment issued by banks.<\/strong><\/p>\n\n\n\n

As it offers a more interesting return than savings, CDB is highly sought after by investors.<\/p>\n\n\n\n

Banks issue the fixed income security and the interested buyer will transfer the money to the financial institution in question.<\/p>\n\n\n\n

The negotiation is advantageous for both parties involved. For the bank, the financial resources make it possible to offer a series of banking products, such as loans, for example.<\/p>\n\n\n\n

For the investor, the CDB is also a good deal. After all, he will receive the money invested with interest.<\/p>\n\n\n\n

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3. LC \u2013 Bills of Exchange<\/strong><\/h3>\n\n\n\n

Bill of exchange, or simply LC, is a fixed income security similar to CDB.<\/p>\n\n\n\n

The difference between the two is that the CDB is issued by banks and the LC is issued by a financial institution.<\/p>\n\n\n\n

It works like any fixed income investment: you lend to the financial institution and in return, in addition to the amount borrowed, you will receive remuneration on the date defined at the time of the investment.<\/p>\n\n\n\n

The investment period for Bills of Exchange varies a lot, but is usually between two and seven years.<\/p>\n\n\n\n

To increase the yield at maturity of the security, the best option is to hold the asset for the entire expected period.<\/strong><\/p>\n\n\n\n

The Bill of Exchange is guaranteed by the FGC (Credit Guarantee Fund).<\/p>\n\n\n\n

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4. LCI and LCA<\/strong><\/h3>\n\n\n\n

The LCI (Letter<\/strong> Real Estate Credit) and LCA (Agribusiness Credit Letter) <\/strong>They are fixed income investments exempt from income tax, which usually guarantee significant financial returns, especially when compared to savings.<\/p>\n\n\n\n

From the investor's point of view, there is no difference between the LCI and the LCA, as what really changes is the backing of the paper. How so?<\/p>\n\n\n\n

Well, while LCI is focused on the real estate market, LCA is focused on agribusiness.<\/p>\n\n\n\n

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5. Direct Treasury<\/strong><\/h3>\n\n\n\n

Tesouro Direto is a National Treasury Program developed in partnership with B3, with the objective of selling federal public bonds online.<\/strong><\/p>\n\n\n\n

It is an excellent investment alternative for those who have a more conservative profile, value security and cannot (or do not want to) make large investments.<\/p>\n\n\n\n

By the way, did you know that the minimum amount to invest in Tesouro Direto is just R$30.00? As you can see, it is an extremely affordable option for individuals.<\/p>\n\n\n\n

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6. ETFs<\/strong><\/h3>\n\n\n\n

Exchange Traded Funds (ETF) are passively managed funds created with the objective of investing in a portfolio of shares that seek to replicate the portfolio and profitability of financial indexes.<\/p>\n\n\n\n

They are considered highly liquid financial assets.<\/strong><\/p>\n\n\n\n

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7. Investment Fund Shares<\/strong><\/h3>\n\n\n\n

A share is a fraction of an investment fund. The sum of all shares acquired by investors results in the equity value of a fund.<\/p>\n\n\n\n

In other words, the value of the share is the result of dividing the fund's net equity by the total number of existing shares.<\/p>\n\n\n\n

This means that when investing an amount in a fund, the investor is actually acquiring a specific number of shares, the value of which is determined daily.<\/p>\n\n\n\n

The level of risk depends on the option chosen.<\/p>\n\n\n\n

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Conclusion<\/strong><\/h2>\n\n\n\n

Knowing the main examples of financial assets is very important for any investor, whether they have a more conservative, bold or moderate profile.<\/p>\n\n\n\n

The best option is to diversify your financial assets and, of course, balance your gains between the short, medium and long term, according to your profile and your main objectives!<\/p>","protected":false},"excerpt":{"rendered":"

Discover some examples of financial assets and see how to increase your wealth in a more profitable way! Financial assets cause your financial wealth to grow over time. They are not tangible things, like a car or jewelry, but they generate income and can be traded on the financial market. But\u2026 Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":18358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"Conhe\u00e7a alguns exemplos de ativos financeiros e veja como aumentar o seu patrim\u00f4nio de maneira mais rent\u00e1vel! Leia agora e descubra tudo!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"exemplos de ativos financeiros","footnotes":""},"categories":[9],"tags":[1230],"class_list":["post-18356","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira","tag-ativos-financeiros"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/18356","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=18356"}],"version-history":[{"count":4,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/18356\/revisions"}],"predecessor-version":[{"id":18373,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/18356\/revisions\/18373"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/18358"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=18356"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=18356"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=18356"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}