How to start investing?

Now that you know the types of investments, you are ready to start investing. Stay tuned for the following tips and get ready to start making your money work for you.

Where to invest?

To start investing, all you need to do is create an account at a brokerage firm, a financial institution that intermediates the purchase and sale of financial securities for its clients. They have online platforms that make trading simple and intuitive, both for fixed income assets and for stocks and funds.

As mentioned earlier, for some applications brokerages usually charge fees, such as brokerage and custody. However, many institutions choose not to pass these costs on to clients, so keep an eye on this detail before choosing your broker.

Large banks also tend to offer their customers fixed-income securities, such as CDBs or letters of credit, but in general, it is not advantageous to invest with them. This is because the yield of applications is usually low and rates are often above the market.

If you are still not comfortable choosing your own investments yourself, you can look for an investment manager. Depending on the manager, it is possible to invest in funds or create customized investment portfolios. In both cases, investors’ resources are 100% managed by the manager’s specialists.

Another alternative for those who want to start investing is to hire an autonomous investment agent (AAI), a professional who provides this assistance independently.

How do decide which product to invest in?

To decide which product to invest in, it is necessary to take into account your investor profile and your goals. If your focus is fixed income, compare the profitability and liquidity of each investment, according to your needs.

When it comes to stocks, there is more risk and analysis at play, which requires greater discretion. When investing in stocks, there are two useful methods to decide which asset to choose:

  • Fundamental analysis: based on the company’s performance, taking into account it’s accounting, management, and market data. By valuing an asset with these fundamentals in mind, you can identify opportunities and estimate whether or not it will appreciate over the long term.
  • Technical analysis: identifies behavior patterns to point out trends based on graphs, tools, calculations, and projections. Day trade specialists often use this approach a lot in their daily trading.

Whatever your preferences and method of valuation, always remember: the good investor does not put all his money in just one or two applications but in several.

This is where the concept of an investment portfolio comes in, which is nothing more than the composition of your investments. To build it the right way, it is necessary to have a balanced and diversified portfolio of assets.

This way, you minimize the risks of having big losses, since the gains of one application can protect you from the losses of another.

How do you know if an investment is safe?

The Brazilian Securities Commission (CVM) is the entity that guarantees the safety of investments in Brazil. The body is intended to inspect, regulate, discipline, and develop the securities market, that is, financial securities and collective investment contracts.

Among the securities subject to inspection are:

  • actions ;
  • debentures ;
  • certificates of deposit of securities;
  • investment fund shares ;
  • futuresoptions, or other derivative contracts;

How to learn more about investments?

Investing requires knowledge, so it is necessary to always be looking for new sources of information to improve as an investor and make the best decisions. One suggestion is to check out finance channels on YouTube, read some books about investing, and talk to friends who understand the subject.

The courses offered by the Stock Exchange are one of the best ways to learn more about this universe. 

In them, you can learn about technical concepts of the financial market and learn to identify the best opportunities. All this with the advantage that the contents are accessible and aimed at different investor profiles.

Check out some of the free courses available on the B3 Educação platform:

  • Personal finances;
  • Actions;
  • Debentures;
  • Mini contracts;
  • Taxation;
  • Financial Market from A to Z;
  • Compliance and investor profile;
  • Market Risk Management;
  • Education in the Stock Market – Fundamental Analysis.
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