{"id":25116,"date":"2022-05-26T16:43:26","date_gmt":"2022-05-26T13:43:26","guid":{"rendered":"https:\/\/valorizei.com\/?p=25116"},"modified":"2023-01-26T19:42:18","modified_gmt":"2023-01-26T16:42:18","slug":"quais-os-tipos-de-investimentos-que-existem","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/quais-os-tipos-de-investimentos-que-existem\/","title":{"rendered":"What types of investments are there? See your options!"},"content":{"rendered":"

Find out what the main types of investments are and how to get started!<\/strong><\/p>\n\n\n\n

\n\n\n\n

There are various types of investment that can boost your assets and provide more financial security in the medium and long term.<\/p>\n\n\n\n

Currently, leaving your money in a savings account is not the most advantageous option, as this investment tends to offer low returns.<\/p>\n\n\n\n

And if you're looking for other investment alternatives, be sure to read this article!<\/p>\n\n\n\n

Read on to find out more.<\/p>\n\n\n\n

\"quais<\/figure>\n\n\n\n

What are financial investments?<\/strong><\/h2>\n\n\n\n

Financial investments are asset purchases and sales.<\/strong><\/p>\n\n\n\n

The goal of those who invest is to increase their assets, maintain their market share and, of course, generate a profit on their investment.<\/p>\n\n\n\n

This makes it possible to achieve financial goals,<\/a> more security and peace of mind.<\/p>\n\n\n\n

In other words, we can say that those who invest want \"money to make more money\".<\/p>\n\n\n\n

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What types of investments are there?<\/strong><\/h2>\n\n\n\n

There are various types of financial applications available on the market.<\/strong><\/p>\n\n\n\n

However, we can't say which is the best option, as it all depends on your investor profile, financial objectives, investment liquidity, current financial reality, among others.<\/p>\n\n\n\n

That's why, before deciding on a particular type of investment, it's best to make a plan so that you know exactly what you want to achieve with your investments and how much you can afford to invest.<\/p>\n\n\n\n

Now that you know that, let's take a look at the main types of financial investments:<\/p>\n\n\n\n

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

Fixed income<\/strong><\/h2>\n\n\n\n

Fixed income is the main gateway to the world of investments.<\/strong><\/p>\n\n\n\n

After all, it offers more predictability and security, which is ideal for those starting out in the market.<\/p>\n\n\n\n

Fixed-income securities<\/a> are divided into public and private bonds. Public bonds are considered extremely safe options, as they are guaranteed by the National Treasury.<\/p>\n\n\n\n

Most private bonds, on the other hand, are also considered safe, as they are protected by the Credit Guarantee Fund (FGC).<\/p>\n\n\n\n

There are different types of fixed-income investments, which can be classified according to profitability (prefixed, post-fixed or hybrid).<\/p>\n\n\n\n

Below are the best-known fixed-income investments:<\/p>\n\n\n\n

- Direct Treasury Bonds<\/p>\n\n\n\n

- LCI (Real Estate Credit Bill) and LCA (Agribusiness Credit Bill)<\/p>\n\n\n\n

- (CRI) Certificate of Real Estate Receivables and (CRA) Certificate of Agribusiness Receivables<\/p>\n\n\n\n

- CDB (Bank Deposit Certificate)<\/p>\n\n\n\n

- Bills of exchange<\/p>\n\n\n\n

- Debentures<\/p>\n\n\n\n

It's important to note that fixed-income investments differ in terms of liquidity, rate of return, minimum investment amount, etc.<\/p>\n\n\n\n

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Who should invest in fixed income?<\/strong><\/h2>\n\n\n\n

Fixed income is recommended for beginners or more conservative investors, i.e. those who want to take less risk.<\/strong><\/p>\n\n\n\n

It is also a good option for those who want to know the profitability of their assets in advance or diversify their portfolio.<\/p>\n\n\n\n

However, there are some fixed-income investments that are considered a little riskier, such as CRI\/CRA and debentures.<\/p>\n\n\n\n

However, these investments also offer the possibility of higher returns than traditional fixed-income securities.<\/p>\n\n\n\n

So, before you invest your money, make sure you do your research into the level of investment security, <\/a>rate of return and liquidity.<\/p>\n\n\n\n

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Variable income<\/strong><\/h2>\n\n\n\n

Variable income consists of financial assets that have the same characteristic: unpredictable profitability.<\/strong><\/p>\n\n\n\n

In other words, there are no guarantees or predictions as to the return that the investor can obtain, as the return varies according to market conditions.<\/p>\n\n\n\n

And that's the main difference between this class of investment and fixed income.<\/p>\n\n\n\n

After all, variable-income assets are volatile, i.e. their prices can vary greatly over time.<\/p>\n\n\n\n

This means that although the yield may be higher than fixed income, there are more risks involved.<\/p>\n\n\n\n

These are the main types of variable income investments:<\/p>\n\n\n\n

- Actions<\/p>\n\n\n\n

- Equity funds<\/p>\n\n\n\n

- Real estate funds<\/p>\n\n\n\n

- Gold<\/p>\n\n\n\n

- Future market<\/p>\n\n\n\n

\n\n\n\n

Who should invest in equities?<\/strong><\/h2>\n\n\n\n

Variable income assets usually attract the attention of investors with a moderate or aggressive profile, who are more tolerant of market volatility.<\/strong><\/p>\n\n\n\n

With the higher risks, profitability also tends to be more attractive, especially in the long term.<\/p>\n\n\n\n

In any case, conservative investors who want to diversify their portfolio can invest a small part of their assets in less volatile variable income assets, such as shares in large, consolidated companies.<\/p>\n\n\n\n

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How do I start investing?<\/strong><\/h2>\n\n\n\n

Now you know what the main types of fixed-income and variable-income investments are.<\/strong><\/p>\n\n\n\n

But how do you start becoming an investor?<\/p>\n\n\n\n

Take a look at the step-by-step guide we've prepared for you:<\/p>\n\n\n\n

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Know your financial goals<\/strong><\/h3>\n\n\n\n

Why do you want to save and invest?<\/p>\n\n\n\n

Think about your short-, medium- and long-term objectives. The period also affects your choice of investments.<\/p>\n\n\n\n

For example, if your aim is to create an emergency reserve or achieve a short-term goal, then the most suitable investments are those in fixed income with high liquidity,<\/a> such as the Selic Treasury.<\/p>\n\n\n\n

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Determine the amount you want to invest<\/strong><\/h3>\n\n\n\n

Analyzing your financial reality is also important if you want to start investing.<\/strong><\/p>\n\n\n\n

Check whether you want to make a single initial investment or make monthly contributions.<\/p>\n\n\n\n

If you want to make frequent contributions, set aside this amount as soon as you receive your income, so that you keep the habit of investing!<\/p>\n\n\n\n

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Discover your investor profile<\/strong><\/h3>\n\n\n\n

Understanding your investor profile is essential if you want to start investing.<\/strong><\/p>\n\n\n\n

It helps you analyze the risks you are willing to take and your investment preferences.<\/p>\n\n\n\n

Someone who is not willing to deal with sharp fluctuations, for example, should be more cautious when investing in risky investments.<\/p>\n\n\n\n

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Open your account with a broker<\/strong><\/h3>\n\n\n\n

To start investing, you'll need to open an account with a brokerage house.<\/a><\/p>\n\n\n\n

As these companies specialize in investments, they usually offer a wide range of fixed-income securities, variable-income securities and investment funds.<\/p>\n\n\n\n

\"livros<\/figure>\n\n\n\n

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

These are the main types of investments on the market.<\/p>\n\n\n\n

The habit of saving and investing will enable you to maintain your assets and financial security now and in the future.<\/p>\n\n\n\n

So take a test to find out your investor profile and analyze your objectives so that you can choose the most suitable investments for your portfolio!<\/p>","protected":false},"excerpt":{"rendered":"

Saiba quais s\u00e3o os principais tipos de investimentos que existem e como come\u00e7ar a fazer aplica\u00e7\u00f5es! H\u00e1 v\u00e1rios tipos de investimentos que podem potencializar o seu patrim\u00f4nio e trazer mais seguran\u00e7a financeira no m\u00e9dio e longo prazo. Atualmente, deixar o seu dinheiro na caderneta de poupan\u00e7a n\u00e3o \u00e9 a op\u00e7\u00e3o mais vantajosa, j\u00e1 que essa… Continuar lendo<\/a><\/p>","protected":false},"author":21,"featured_media":25117,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Quais os tipos de investimentos que existem? Veja suas op\u00e7\u00f5es!","_seopress_titles_desc":"Saiba quais s\u00e3o os principais tipos de investimentos que existem e como come\u00e7ar a fazer aplica\u00e7\u00f5es, 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":"quais tipos de investimentos que existem","footnotes":""},"categories":[9],"tags":[],"class_list":["post-25116","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\/25116","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=25116"}],"version-history":[{"count":9,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/25116\/revisions"}],"predecessor-version":[{"id":30371,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/25116\/revisions\/30371"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/25117"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=25116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=25116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=25116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}