Applications
06/12/2024
The financial investments are an excellent way to making money work for you.
They allow your savings to grow over time and can become an important source of income. income and financial stability.
However, understanding how they work and what types there are is fundamental to making safe and intelligent decisions.
First of all, it's important to understand the basic concept.
The financial investments are investments made in products available on the financial marketwith the aim of generating profitability.
These products may include:
Actions
Public and private securities
Investment funds
Savings accounts
CDBs and Treasury Directamong others.
Each option has different characteristics, terms, risks and returns. Therefore, choosing the ideal investment depends on objectives and investor profile.
Here are the main types of applications and how they work:
The actions represent a small part of a company. By buying shares, the investor becomes one of the company's shareholders and can profit from appreciation e dividends.
Example: Buying shares in Petrobras or Vale means owning a small fraction of these companies.
The titles function as loans made by investors to governments or companies.
In return, the investor receives periodic interest and the amount invested back in the bond maturity.
Example: Direct Treasury Bonds (Selic, IPCA, Prefixed).
In investment fundsThis means that several investors invest their money together, forming an asset managed by a professional manager.
The fund invests in a variety of assets (shares, bonds, foreign exchange, real estate, etc.), and the return is divided among the participants.
It's a great option for those looking for diversification with little effort.
The interest-bearing accounts e CDBs (Bank Deposit Certificates) are options for low riskusually with fixed and predictable return.
They are ideal for those looking for security and liquiditywithout being exposed to the volatility of the stock market.
Generally speaking, when you invest, your money is used by companies, banks or governments to finance projects and operations.
In return, you get incomewhich can come from interest, dividends or asset valuation.
Over time, the effect of compound interest makes the money grow exponentially, making the investment even more advantageous.
💬 Practical example:
If you invest R$ 1,000 with interest of 10% per year, in 5 years the total value will be R$ 1,610 - just with the power of the interest on interest.
Choosing where to invest your money requires research and self-knowledge.
Here are the main steps to making an assertive decision:
Before you invest, ask yourself:
I want to short-term profitability or long-term growth?
I need access money quickly or can I leave it invested?
Applications of short term are ideal for emergencies.
Investments in long term are more suitable for retirement or major future goals.
Each person has a different risk tolerance.
Conservative profiles prefer safe and stable investmentswhile bold profiles are looking for greater profitability, even with possible losses.
🔍 Tip: Make a investor profile test (suitability) before you start. Brokers such as XP Investimentos and Nubank offer this tool free of charge.
Not every application offers the same return.
Carefully analyze the interest rates, terms and taxessuch as Income tax on capital gains.
💡 Remember: the real return is the profit after discounting the inflation and the taxes.
If you're just starting out, having the support of a financial advisor can make all the difference.
This professional helps set up a balanced investment portfolioaccording to your goals and risk profile.
Investing always involves risks and rewards.
Understanding both is essential to making informed decisions.
Loss of capitalMarket fluctuations can reduce the amount invested.
Limited liquiditySome investments cannot be redeemed quickly.
Credit risksThe possibility that the issuer of the bond will not pay the agreed amount.
Higher return than savings;
Asset growth over time;
Access to the power of compound interest;
Investment diversificationreducing overall risks.
With planning and discipline, it is possible to make the most of each type of application and building wealth safely.
The financial investments are essential for those who want to increase wealth and achieve financial independence.
The secret lies in study, plan and choose the options that fit your objectives.
Always remember: investing is not just about money, but about freedom and the future.
🔗 To continue learning, visit platforms such as XP Investments, Magnetis e Pocket guideor download applications such as Investments, Mobills e Kinvo.
