Motives to invest

                  To start this series of articles focused on basic investment, a preview will be presented about the concept of investment, what are the types, its advantages and, mainly, why to invest.

Concepts

                  Basically, an investment is everything that you apply some of your resources (time, money, knowledge, etc.) and expect a return that has a greater value than what you had invested before. Some examples of investments are college, own business, buying products for resale and, of course, investing money in bonds, which will be the main focus of our subjects.

Types of investiments

         To simplify your experience, let's limit this topic to three points: fixed income, variable income and funds that address both together.

         Let’s start with fixed income, this is every investment where the income on it is unique, that is, it is certain that it will yield you the same percentage every month. A practical example is savings, which return you a certain percentage per year, which may vary if you withdraw some amount or because of a bank fee.  

         But there are more attractive fixed income investments, such as some direct pre-fixed treasuries, where you buy government bonds and receive a fixed percentage, or some bank deposit certificates (CDB) which, despite having a minimum investment amount higher, they can also pay more than savings per year, or a post-fixed IPCA treasure that protects you from rising inflation, among others.  

         Now let's talk a little about variable income, which as the name implies, the income can vary for several reasons. For example, investments in stocks, where the company's share value may vary due to various reasons related to that corporation, or investment in foreign exchange funds (currencies) such as the dollar, euro, among others. These are investments that normally have greater risk, but also greater profitability/appreciation.

Multimarket Investment Funds

         To bring to a perfect end, let's talk a little bit about investments that divide their contributions between fixed income and variable income, the so-called multimarket investment funds. These types of funds work in a way that you invest your money with a specialized manager who will use your money to invest as he defined when opening the fund.

         For example, a manager opens a multimarket fund where he defines that he will invest 40% of his portfolio in fixed income and 60% in variable income, it is also defined that it will have a term of 10 years and the minimum investment is R$1,000.

Maestri Investment Group LTD. has very attractive multimarket investment fund options for the medium and long term, with and without capital leverage. Maestri works with broker FXOpen, one of the largest brokers in the world, in addition to specialized management and a team always willing to answer your questions. Visit www.investmaestri.com and learn more.

Advantages of investing

         As we've already conceptualized investments, let's comment on three major reasons, among many others, to start your investment journey.

         First big advantage, investments have different terms that can match almost any goal in your life and still have capital appreciation which makes it more advantageous than any capitalization titles or piggy bank that you keep your money at home.

          Second major reason, the variety of risks is enormous, pleasing from the most conservative to the boldest. Of course, the riskiest and longest-term investments are those that usually have higher returns, but they are suitable for experienced investors.

           Last but not least, some investments protect you against inflation (IPCA treasures), the rise of the dollar (foreign exchange and multimarket investment funds), among other valuations such as oil, soybeans, iron, etc..

Conclusion

             We can conclude that the act of investing is one of the best financial habits that anyone should have, not only investing in knowledge, but also in their financial future, as well as being an excellent way to achieve financial independence, desired by a large part of the population.

Examples of taxes:

- SELIC: Basic rate of the economy (Defined by the Copom of the Central Bank)  

- IPCA: Total accumulated inflation for the consumer (Source: IBGE)  

- DI Index: Financial indicator used in DI option contracts (Usually follow SELIC)

Article by:

-Por Canal Ricos com Você em 29 de Janeiro de 2020

References:

ADCMOURA. O que é investimento. Seu Guia de Investimentos .Disponível em: www.seuguiadeinvestimentos.com.br. Acesso em 24/01/2020.

VIEIRA, Marcello. Entenda – na prática – as principais diferenças entre renda fixa e variável. Investidor de Sucesso. Disponível em: www.investidordesucesso.com.br/independencia-financeira/entenda-na-pratica-as-principais-diferencas-entre-renda-fixa-e-variavel/. Acesso em: 25/01/2020.

Índice Nacional de Preços ao Consumidor Amplo - IPCA. IBGE. Disponível em: https://www.ibge.gov.br/estatisticas/economicas/precos-e-custos/9256-indice-nacional-de-precos-ao-consumidor-amplo.html?t=series-historicas. Acesso em: 25/01/2020.

De onde vem a taxa DI e por que ela acompanha a Selic. Genial Investimentos. Disponível em: www.blog.genialinvestimentos.com.br/taxa-di/. Acesso em 25/01/2020.