What is an investor profile?

To start investing, the first step is to know your per fil investor, also known as suitability. It is defined based on a behavioral analysis that identifies your expectations regarding investments, taking into account factors such as:

  • how long do you intend to leave the money invested;
  • what is your risk tolerance;
  • what are your financial goals?

This assessment is very important to find out which investments are ideal for your goals, your risk limits, and your level of knowledge about finance, increasing your chances of achieving the results you expect.

There are three profiles that an investor can fit into:


Conservative investors prioritize safe investments, with low chances of loss, even though this implies lower returns. Some conservative investor profiles are:

  • Who has a little resource to invest and doesn’t want to risk losing it;
  • People who are starting to invest and are still afraid to take risks;
  • Those who already have solid assets and no longer have the ambition of making big gains;
  • People who are close to retirement and don’t want to do risky maneuvers with the money.

Remembering that conservative investments with high liquidity are also the most suitable for those who are setting up the emergency reserve.


The moderate investor is a little bolder than the conservative: he values ​​safety but is willing to risk a little more to get better returns. Therefore, it has an investment portfolio that balances high and low financial risk investments.

Typically, this profile fits people who started more conservatively, gained experience, and are now more at ease to experiment with new possibilities or investors who want to diversify their portfolio, but without giving up some security.


Investors with a bold profile prefer investments that can generate more profitability, even if this means greater risk. A bold investor usually has a good knowledge of the financial market and knows that any losses can be offset in the long term, so he is not afraid to invest in stocks and other variable income products.

Despite this, bold people always put part of their money in more conservative investments. They are essential to diversify the portfolio and protect the equity, minimizing the impact in case there is a big loss with the riskiest investments.

Is savings an investment?

Before talking about the types of investments, let’s talk a little about the savings account. After all, can it be considered an investment?

The answer is yes. However, no good investor puts their money into it, and we explain why.

The yield of the passbook works as follows: if the Selic is less than or equal to 8.5% per year, savings yield 70% of the Selic plus the TR (Referential Rate). If the Selic is above 8.5% per year, it has a fixed return: 0.5% plus TR.

Today (09/2020) the reference rate is at 0 and the Selic at 2% per year. This means that savings are yielding around 1.4% a year, less than the expected inflation for the period, which is 1.63%.

In other words, as much as the investor’s final amount increases with interest, his purchasing power ends up being lower than before.

Another disadvantage of this application in the form of income. Despite having high liquidity, savings do not pay per day, but per month. In practice, if you invest the money on the 1st, the interest will only be added 30 days later. If you redeem the amount before that, you won’t get any return.

Despite all this, eight out of ten Brazilians still put money into savings, according to a study by Anima. This is a reflection of the low level of financial education of most of the population. Many people do not know about other types of low-risk applications and are afraid of losing money, preferring the comfort and convenience of the passbook.


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