AULA COMPLETA para INICIANTES que NÃO SABEM POR ONDE COMEÇAR a INVESTIR

Summary

In this video, the creator offers an insightful overview of investment options, focusing on fixed and variable income. For beginners or conservative investors, fixed income options like savings accounts, digital accounts, Treasury Direct, and CDBs are introduced as safe, low-risk choices. On the other hand, variable income options like cryptocurrencies, stocks, and real estate funds come with higher risk but potential for greater returns. The creator emphasizes the importance of understanding risk tolerance, investment periods, and diversification while providing guidance on how to choose the right investment platform. Ultimately, the key to successful investing lies in thorough research and aligning choices with personal financial goals.

Takeaways

• 😀 Fixed income investments guarantee growth, while variable income investments can either yield significant returns or result in losses.
• 😀 Fixed income options are ideal for conservative investors who want predictable returns and low risk, such as savings accounts, digital bank accounts, Treasury Direct, CDBs, and LCIs.
• 😀 The higher the profitability of an investment, the greater the associated risk. It's important to match your investment choices with your risk tolerance.
• 😀 Digital bank accounts and CDBs can yield significantly higher returns (12% to 15% per year) compared to savings accounts (6% per year), while offering similar safety.
• 😀 Treasury Direct offers a safe and attractive fixed income option, typically yielding 13% per year, but with different terms and liquidity conditions.
• 😀 Investments like INCO offer higher returns (up to 21%) but come with higher risk and do not have FGC (Fund Guarantee Insurance) coverage.
• 😀 The FGC provides insurance that covers up to R$250,000 in case of bank or financial institution defaults, applicable to savings accounts, CDBs, and LCIs.
• 😀 Variable income investments, such as stocks, cryptocurrency, and real estate funds, have no guaranteed returns, but can offer significantly higher yields, especially in the long term.
• 😀 Long-term investments (e.g., stocks and real estate funds) can be very profitable, but the risk of significant loss is also higher, especially in volatile markets.
• 😀 For beginners, it is recommended to start with fixed income investments, as they are safer and provide more predictable returns. Once comfortable, a moderate approach with variable income can be considered.
• 😀 Diversification is key to reducing risk. Never put all your money into one type of investment, especially in high-risk variable income assets. Spread investments across different options to ensure safety.
• 😀 The choice of brokerage is important for finding the best deals and investment opportunities. Open accounts with multiple brokerages to compare offers and ensure the best returns.

Q & A

What are the two main types of investments discussed in the script?

The two main types of investments discussed are fixed income and variable income. Fixed income investments guarantee profitability, while variable income investments have fluctuating returns and can be risky.

What is the main advantage of fixed income investments?

The main advantage of fixed income investments is that they offer guaranteed profitability, as long as you follow the rules. Your money will always grow over time, with predictable returns.

What is the profitability of a savings account compared to other fixed income options?

A savings account yields around 6% per year, which is the lowest among fixed income options. Other options like digital accounts and Treasury Direct offer higher returns, such as 12% and 13% per year, respectively.

What are the risks associated with variable income investments?

Variable income investments are risky because they do not guarantee profitability. While they offer the potential for high returns, such as those in stocks or cryptocurrencies, they can also result in significant losses.

What is an example of a cryptocurrency investment mentioned in the script?

An example mentioned is the Axis cryptocurrency, where R$100 invested in 2020 turned into more than R$10,000. However, the script also notes that some cryptocurrency investments went bankrupt, highlighting the risk involved.

What is the difference between fixed income and variable income in terms of risk and returns?

Fixed income investments have guaranteed returns and are safer, while variable income investments are riskier but have the potential for much higher returns. The higher the potential return, the higher the risk involved.

What is the role of FGC insurance in fixed income investments?

The FGC (Credit Guarantee Fund) insures up to R$250,000 in case a financial institution defaults or goes bankrupt. It provides security for most fixed income investments like savings accounts, CDBs, and LCIs.

How does the term of an investment affect its profitability?

The longer the term of an investment, the higher the potential profitability. However, it’s important to match the term with your financial goals. For example, short-term needs require investments with shorter terms, while long-term goals can handle longer-term investments.

Why is it important to diversify investments?

Diversification reduces the risk of losing all your money in case one investment fails. By spreading your investments across different options, such as fixed income and variable income, you protect yourself from potential losses in any single area.

What is the recommended approach for beginners in investment?

For beginners, it is recommended to start with fixed income investments like savings accounts, digital accounts, and Treasury Direct. These are safer and more predictable. Beginners should avoid jumping into variable income investments without sufficient knowledge.