{"id":24360,"date":"2022-04-14T15:03:34","date_gmt":"2022-04-14T12:03:34","guid":{"rendered":"https:\/\/valorizei.com\/?p=24360"},"modified":"2023-11-03T17:04:04","modified_gmt":"2023-11-03T14:04:04","slug":"investir-sendo-menor-de-18-anos","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/investir-sendo-menor-de-18-anos\/","title":{"rendered":"Learn how to invest if you are under 18"},"content":{"rendered":"

Is it possible to invest if you are under 18? Find out everything about it!<\/strong><\/p>\n\n\n\n

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Investing if you are under 18 is possible. In fact, there are several advantages to investing early. After all, the sooner you start, the better.<\/p>\n\n\n\n

And if you want to know more about this process, you're in the right place!<\/p>\n\n\n\n

We will explain everything about the subject and show you how you can invest if you are under 18 years old.<\/p>\n\n\n\n

\"saiba<\/figure>\n\n\n\n

What are the advantages of investing if you are under 18?<\/strong><\/h2>\n\n\n\n

Time is a great ally for those who start investing when they are young, as compound interest takes time.<\/strong><\/p>\n\n\n\n

With this in mind, we will present the main advantages of starting to invest early. Take a look:<\/p>\n\n\n\n

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Start learning about the world of investments<\/strong><\/h3>\n\n\n\n

There are several types of financial applications that allow a person to make a profit on their capital.<\/p>\n\n\n\n

For example, when you start studying investments, you will discover that there are fixed income, variable income and investment fund applications.<\/p>\n\n\n\n

Additionally, you will learn the importance of having a emergency reserve<\/a> for times of financial unforeseen circumstances.<\/p>\n\n\n\n

Therefore, the sooner you enter this market, the greater the chances of you making good decisions.<\/p>\n\n\n\n

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Less sacrifices<\/strong><\/h3>\n\n\n\n

As you learn more about financial education and investing, you will realize that focusing on the long term is essential.<\/strong><\/p>\n\n\n\n

The strength of \u201cinterest on interest\u201d favors the return on money that remains invested for a longer period of time.<\/p>\n\n\n\n

In other words, by starting early in the world of investments, you will be able to see your capital returning greater returns, which will grow year after year.<\/p>\n\n\n\n

Starting to invest early is a way to ensure that your goals are achieved more smoothly.<\/p>\n\n\n\n

\"cita\u00e7\u00e3o\"<\/figure>\n\n\n\n

Reinforces the importance of financial education<\/strong><\/h3>\n\n\n\n

Financial education is much more than just saving.<\/strong><\/p>\n\n\n\n

It consists of good practices and objectives that bring quality of life both in the present and in the future.<\/p>\n\n\n\n

This way, you learn to handle money better.<\/p>\n\n\n\n

Obviously, cutting unnecessary expenses and making investments is important. However, financial education goes far beyond that.<\/p>\n\n\n\n

Financial education involves several factors, such as questions about the best way to use your money.<\/p>\n\n\n\n

When a person begins to study about investments, they begin to understand the importance of managing capital and begin to look for ways to make this amount grow over time.<\/p>\n\n\n\n

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Have a more comfortable life in the future<\/strong><\/h3>\n\n\n\n

People of any age can start investing \u2013 it\u2019s never too late to do so.<\/strong><\/p>\n\n\n\n

However, those who start this journey earlier end up finding more opportunities to obtain good income and thus have more peace of mind in the future.<\/p>\n\n\n\n

This is because, from now on, it will be possible to build up capital that can be used to make some dreams come true in the future, such as buying a car or even for your retirement.<\/p>\n\n\n\n

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What are the rules for investing if you are under 18?<\/strong><\/h2>\n\n\n\n

Parents or an adult responsible for a minor can open an account with a stockbroker in the name of the child or adolescent.<\/strong><\/p>\n\n\n\n

To open an account with the broker you will need:<\/p>\n\n\n\n

\u2022 Minor's identification document<\/p>\n\n\n\n

\u2022 Identification document of the legal guardian<\/p>\n\n\n\n

\u2022 Proof of residence in the name of the parents or minor<\/p>\n\n\n\n

\u2022 Registration form signed by the father and mother. Only one signature will be accepted if the father or mother is deceased or the parents are separated.<\/p>\n\n\n\n

The child's legal guardian will also be responsible for his\/her account, making investments and decisions until he\/she reaches the age of majority.<\/p>\n\n\n\n

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What are the best investments for your child's future?<\/strong><\/h2>\n\n\n\n

Before you open an account for your child with the brokerage firm, contact the company and ask any questions you may have about rules, conditions, etc.<\/strong><\/p>\n\n\n\n

This way, you avoid problems with opening and managing the account.<\/p>\n\n\n\n

The main objective should be to teach about financial education. This will make it easier to have a broad view of the investment market and learn how to manage your personal budget.<\/p>\n\n\n\n

With that in mind, we will present some recommended products for little ones:<\/strong><\/p>\n\n\n\n

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

Tesouro Direto is one of the most recommended investment options for beginners and minors.<\/strong><\/p>\n\n\n\n

The Federal Government trades public debt securities through Tesouro Direto. This means that when you invest in this product, you are, in fact, lending your money to the government.<\/p>\n\n\n\n

In return, you will be paid an interest rate.<\/p>\n\n\n\n

There are three types of government bonds for sale at Tesouro Direto: fixed-rate, post-fixed and hybrid.<\/p>\n\n\n\n

One of the main advantages of Tesouro Direto is that with just over R$ 30, you can start investing.<\/p>\n\n\n\n

Furthermore, Tesouro Direto is considered one of the safest investments in the country, which is 100% guaranteed by National Treasury.<\/a><\/p>\n\n\n\n

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CDB<\/strong><\/h3>\n\n\n\n

CDB is the acronym for Bank Deposit Certificate.<\/strong><\/p>\n\n\n\n

This investment works very similarly to Tesouro Direto. The difference is that here, you are lending your money to a private institution.<\/p>\n\n\n\n

The CDB is a safe investment, as it is guaranteed by the Credit Guarantee Fund (FGC), which is accessible and practical.<\/p>\n\n\n\n

Therefore, it is a great option for those who are starting to invest and do not have much experience.<\/p>\n\n\n\n

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Private pension plans<\/strong><\/h3>\n\n\n\n

There is no minimum age to have a private pension plan.<\/strong><\/p>\n\n\n\n

There are two ways to include a minor in a private pension plan.<\/p>\n\n\n\n

The first is including the child's name as the parents' beneficiaries, while the parents are listed as the holders.<\/p>\n\n\n\n

The second is by placing the minor himself as the holder of the pension plan.<\/p>\n\n\n\n

There are several advantages to taking out a private pension plan, such as:<\/p>\n\n\n\n

\u2022 Professional management<\/p>\n\n\n\n

\u2022 Absence of minimum age<\/p>\n\n\n\n

\u2022 Focus on the long term<\/p>\n\n\n\n

\u2022 Financial control<\/p>\n\n\n\n

\u2022 Flexibility in contributions<\/p>\n\n\n\n

\u2022 Ease of hiring<\/p>\n\n\n\n

\"6<\/figure>\n\n\n\n

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

Now you know that it is possible to invest if you are under 18 years old.<\/p>\n\n\n\n

The sooner you start, the better, as compound interest gains a lot of strength over time.<\/p>","protected":false},"excerpt":{"rendered":"

Ser\u00e1 que \u00e9 poss\u00edvel investir sendo menor de 18 anos? Saiba tudo sobre o assunto! Investir sendo menor de 18 anos \u00e9 poss\u00edvel. Ali\u00e1s, h\u00e1 v\u00e1rias vantagens em realizar investimentos desde cedo. Afinal, quanto antes voc\u00ea come\u00e7ar, melhor. E se voc\u00ea quer saber mais sobre esse processo, est\u00e1 no lugar certo! Vamos explicar tudo sobre… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":24361,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"Ser\u00e1 que \u00e9 poss\u00edvel investir sendo menor de 18 anos? Leia o nosso texto, tire as suas d\u00favidas e saiba tudo sobre o assunto!","_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":"investir sendo menor de 18 anos","footnotes":""},"categories":[9],"tags":[],"class_list":["post-24360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24360","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=24360"}],"version-history":[{"count":10,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24360\/revisions"}],"predecessor-version":[{"id":35464,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24360\/revisions\/35464"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24361"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24360"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24360"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24360"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}