How to check if your investment is doing well

Many investors are eager to see if the applications they have submitted are doing well and even if they can earn more. But how do we do that?

Check out what needs to be analyzed to see if it is worth touching your portfolio. says financial planner Vivian Rodrigues, on Chat with Specialist, a live program on UOL.

This is an excerpt from the fourth lesson in the How to Get Out of Savings Safely to Make More Money series. Watch the live broadcast here

Read our financial planner review below and watch an excerpt from the presentation. The Chat with the Specialist is an exclusive answer to investment-related questions for subscribers and airs weekly, on Thursdays, from 4:00 PM to 4:40 PM.

To answer your question on the programme, send your question to Papo via e-mail [email protected].

What are you looking for in a portfolio?

1) Understand context and inflation. Whether your profitability is good or bad that year depends on external factors. This is the case of bad times for a stock exchange, fund, or fisheries company—a temporary decline, given the context, does not mean the investment is bad.

“Don’t focus on absolute profitability, without analyzing real profitability, that is, on how much your portfolio’s return is higher than inflation,” she says.

You must make the account. Find out how much your portfolio returns and subtract inflation for the period. For example: If your portfolio yielded 6.5% in the year, but inflation for the period was 4%, your approximate real return was 2.5%. Vivian says, however, that the primary reference is profitability of 4% higher than inflation in one year, or in the past 12 months.

2) The comparison must be in the long term

Unstable investments, such as stocks or certain funds, tend to have sharper differences: they go up or down a lot, in a short period of time. More conservative investments, such as fixed income, have smaller variances.

This is why it is important to know how much your investment returns over a longer period of time. There is no point in despairing if you lose money in a week or a month. “If you have a portfolio that is more conservative, with less volatility, you can even do analysis in shorter periods, two or three years. But if your portfolio is very aggressive, you need to do analysis in longer periods, eight, nine or 10 years.”

We do not move the portfolio according to its profitability, but rather, given the strategy.
Vivian Rodrigues, Financial Planner

3) Analyze whether the portfolio is adequate according to your profile and projects. “Sometimes you may have a change of plans and you may need to rethink strategy and adjust assets as well, if you have a reason to,” he says. First you have to rethink the strategy and then move the assets.

For example: Your goal was to invest to buy a property in three years, but now you’ve given up and want to direct the money toward retirement. Or you still think that your investor profile has changed, and you want to invest more money in the stock market or in funds, and less on fixed income, for example.

How often do you have to change the strategy? “Maybe never. Our portfolio is more stable than people generally think. The portfolio has more to do with our projects and the investor as we are than with the economic cycle,” Vivian declares.

That is, there is no point in pursuing fashion investments, or selling all your shares just because there is a temporary crisis. focus on what matters to you in the long run;

4) Look at the assets individually.

For example, if you have a fixed income fund that invests in securities that are linked to a CDI or Selic rate, then that fund should be earning near that metric (CDI or Selic). It is not appropriate to compare the profitability of this fund to the Ibovespa index. “First, you need to understand the fund’s strategy and find the right metric and term,” he says.

Therefore, if your fixed income fund is profitable below the scale, it’s worth considering switching.

“But be careful: Don’t make a decision right away. If you invest in something bold, you should understand that this investment was contemplated for the long term. You should compare individual results against the same scale,” she says.

Aulão: How to get out of savings safely to make more money

Savings are the most used investment by most Brazilians. But there are other options that may be more useful and pay more.

For those who are starting to invest, UOL I took a series of four straightforward classes on how to diversify your portfolio.

The topic was “How to Get Out of Savings Safely to Make More Money”. We talk about the investment options that exist, how to evaluate your investment profile according to your risk tolerance, how to diversify your portfolio and how to know if your investments are in line with your plans and dreams.

The four seasons are already in the air. The first episode talks about the main investments, how they work and what are their risks. Watch the full chapter here. The second episode shows how to know your investor profile to better invest your money, see here. The third row talks about how to build an investment portfolio and is available here. The final episode on how to move your entire portfolio can be watched here.

Watch aulão on chat with the specialist, the live program from UOLEvery Thursday from 4:00 pm to 4:40 pm.

Subscribers to UOL You can re-watch the chapters as many times as you like. At the end, subscribers will also get an exclusive guide on how to invest beyond savings. Sign here and participate!

The last series of chatting with a specialist was about how to get passive income in your account through investments. To learn more, access the special “Passive Income Investing Guide,” exclusive to subscribers.

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