{"id":24378,"date":"2022-04-15T14:50:11","date_gmt":"2022-04-15T11:50:11","guid":{"rendered":"https:\/\/valorizei.com\/?p=24378"},"modified":"2023-03-07T00:47:30","modified_gmt":"2023-03-06T21:47:30","slug":"alocacao-de-ativos","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/alocacao-de-ativos\/","title":{"rendered":"What is asset allocation? What are the strategies and how to do it?"},"content":{"rendered":"

Do you know how to allocate assets? Learn how to find the best strategy for your investor profile<\/strong><\/p>\n\n\n\n

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Asset allocation is a strategy based on diversifying your investment portfolio. In other words, the goal is to invest in different asset classes so that you can increase your earnings.<\/p>\n\n\n\n

When it comes to planning investments, many investors don\u2019t know how to proceed.<\/p>\n\n\n\n

With that in mind, in today's article, we're going to explain everything about subject of allocations.<\/strong> Read on to find out more.<\/p>\n\n\n\n

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

What is asset allocation?<\/strong><\/h2>\n\n\n\n

Asset allocation is an investment strategy that minimizes risk and maximizes returns.<\/strong><\/p>\n\n\n\n

In the financial market, the ideal is to never buy an asset of a certain type and leave it idle for an indefinite period of time.<\/p>\n\n\n\n

To obtain good profitability, the investor needs to create a solid strategy and, therefore, manage the investments.<\/p>\n\n\n\n

This means that diversifying your asset portfolio is essential for any investor.<\/p>\n\n\n\n

To understand where it is most interesting to invest, it is important to know the your investor profile,<\/a> set financial goals and monitor market trends.<\/p>\n\n\n\n

It can be in shares, real estate funds or fixed income government bonds, for example.<\/p>\n\n\n\n

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Why do asset allocation?<\/strong><\/h2>\n\n\n\n

Asset allocation is important because it helps provide a more stable portfolio by diluting risks.<\/strong><\/p>\n\n\n\n

The more diversified a portfolio, the lower the chances of loss.<\/p>\n\n\n\n

Furthermore, through this process, the investor will have a better idea of the rate of return on assets and the risks involved in each operation.<\/p>\n\n\n\n

But it's important to remember that the goal is not to diversify just for the sake of diversifying, but to create a solid strategy to increase opportunities and reduce risks.<\/p>\n\n\n\n

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How to do asset allocation: 6 efficient strategies<\/strong><\/h2>\n\n\n\n

Now that you know what this concept means, you must be curious to know how to do good planning.<\/p>\n\n\n\n

To help you with this, we have separated six efficient strategies.<\/p>\n\n\n\n

Just look!<\/p>\n\n\n\n

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

1. Strategic asset allocation<\/strong><\/h3>\n\n\n\n

Strategic asset allocation is one of the most widely used forms.<\/strong><\/p>\n\n\n\n

Here, there is no reallocation of assets, even if a given stock depreciates.<\/p>\n\n\n\n

To help you understand better, we will give you an example.<\/p>\n\n\n\n

Suppose an investor usually has an average return of 20% in variable income and 10% in fixed income securities. If he puts together a portfolio of assets dividing fixed income and variable income in the same proportion, the average profitability will be 15% in the long term.<\/p>\n\n\n\n

This strategy is static, as the focus is on the long term. Therefore, even if a given asset depreciates and becomes a smaller proportion of the portfolio, there is no reallocation between the modalities.<\/p>\n\n\n\n

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2. Constant-weight asset allocation<\/strong><\/h3>\n\n\n\n

This is a very active strategy, as there is more investor involvement in relation to the portfolio.<\/strong><\/p>\n\n\n\n

In this case, it is essential that the investor frequently evaluates the assets that make up the portfolio. <\/p>\n\n\n\n

In other words, he must make decisions based on the appreciation or depreciation of assets.<\/p>\n\n\n\n

There are no very strict rules, however, experts recommend that the fluctuation in the composition of assets should not exceed 5%.<\/p>\n\n\n\n

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3. Dynamic asset allocation<\/strong><\/h3>\n\n\n\n

As the name suggests, this strategy consists of a more dynamic allocation, that is, constant reallocation of funds.<\/p>\n\n\n\n

This strategy requires a lot of agility in the decision-making process. Therefore, it is recommended for investors with a lot of experience and knowledge in the financial market.<\/p>\n\n\n\n

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4. Tactical asset allocation<\/strong><\/h3>\n\n\n\n

In tactical asset allocation, it is possible to add short-term strategies to an investment portfolio with a long-term focus.<\/strong><\/p>\n\n\n\n

For investors to find good opportunities, it is necessary to monitor the market frequently.<\/p>\n\n\n\n

Since this strategy requires the investor to find the best time to carry out short-term operations, the risks are slightly higher.<\/p>\n\n\n\n

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5. Secured asset allocation<\/strong><\/h3>\n\n\n\n

This strategy is recommended for those with a more conservative profile.<\/strong><\/p>\n\n\n\n

In this case, the investor must establish a loss limit. If the limit is reached, the investor must reallocate assets to safer investments, such as CDBs, for example.<\/p>\n\n\n\n

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6. Integrated allocation<\/strong><\/h3>\n\n\n\n

Of all forms of asset allocation, integrated is considered the most balanced.<\/p>\n\n\n\n

After all, it takes into account the gains and investment risks according to the investor's profile.<\/p>\n\n\n\n

Integrated allocation is also broader, as it allows for the mixing of other strategies, as long as, of course, there is no conflict.<\/p>\n\n\n\n

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How to do asset allocation?<\/strong><\/h2>\n\n\n\n

Now that you know what asset allocation is, it's time to learn how to put it into practice.<\/strong><\/p>\n\n\n\n

To do this, follow these steps:<\/p>\n\n\n\n

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Define the percentage to be invested in each asset class<\/strong><\/h3>\n\n\n\n

The first step is to establish how much you will invest in fixed income and variable income assets.<\/p>\n\n\n\n

The choice, obviously, should be based on your investor profile, which can be:<\/p>\n\n\n\n

\u2022 Conservative:<\/strong> doesn't like to take risks<\/p>\n\n\n\n

\u2022 Moderate: <\/strong>want to get good returns but prefer not to take too much risk<\/p>\n\n\n\n

\u2022 Bold: <\/strong>accepts taking great risks to maximize returns<\/p>\n\n\n\n

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Asset selection<\/strong><\/h3>\n\n\n\n

There are different types of assets on the market.<\/strong><\/p>\n\n\n\n

In fixed income, for example, it is possible to invest in Treasury Direct bonds, CDB, LCI\/LCA, CRI\/CRA, among others.<\/p>\n\n\n\n

In variable income, there are shares, investment funds and ETFs.<\/p>\n\n\n\n

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Percentage to be invested in each asset<\/strong><\/h3>\n\n\n\n

After defining the assets that will be invested within each class, you will define how much will be invested in each asset.<\/p>\n\n\n\n

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Portfolio rebalancing<\/strong><\/h3>\n\n\n\n

Portfolio rebalancing can be done whenever the asset portfolio is unbalanced.<\/strong><\/p>\n\n\n\n

Before rebalancing, you can establish an acceptable margin of imbalance.<\/p>\n\n\n\n

Portfolio monitoring<\/strong><\/h3>\n\n\n\n

This is one of the main mistakes investors make.<\/strong><\/p>\n\n\n\n

Many of them do in-depth research before investing, which is a good thing.<\/p>\n\n\n\n

However, they then forget to monitor their portfolio and asset performance.<\/p>\n\n\n\n

Keep an eye on the performance of the companies in which you own shares.<\/p>\n\n\n\n

Furthermore, it is important that you follow market trends and continue studying the world of investments.<\/p>\n\n\n\n

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

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

We hope this article has helped you better understand asset allocation.<\/p>\n\n\n\n

When making investments, analyze the scenario carefully and always take into account your investor profile and financial objectives.<\/p>","protected":false},"excerpt":{"rendered":"

Voc\u00ea sabe fazer aloca\u00e7\u00e3o de ativos? Saiba como descobrir a melhor estrat\u00e9gia para o seu perfil de investidor A aloca\u00e7\u00e3o de ativos \u00e9 uma estrat\u00e9gia baseada na diversifica\u00e7\u00e3o da carteira de investimentos. Ou seja, o objetivo \u00e9 fazer aplica\u00e7\u00f5es em diferentes classes de ativos, para que assim, voc\u00ea possa aumentar os ganhos. Quando o assunto… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":24380,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%%","_seopress_titles_desc":"Aloca\u00e7\u00e3o de ativos o que \u00e9? Quer descobrir o que significa esta estrat\u00e9gia? Separamos um conte\u00fado para o auxiliar, confira!","_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":"aloca\u00e7\u00e3o de ativos","footnotes":""},"categories":[9],"tags":[],"class_list":["post-24378","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\/24378","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=24378"}],"version-history":[{"count":8,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24378\/revisions"}],"predecessor-version":[{"id":31172,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/24378\/revisions\/31172"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/24380"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=24378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=24378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=24378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}