Anyone who thinks that you need a lot of money to invest is deeply mistaken. But what is the minimum to take the first steps? In the Chat with a specialistlive program UOLCésar Esperandio, the economist, explains that some of the available securities require an investment of less than 1 Brazilian Real.
Esperandio also says, for those starting from scratch, there is a more recommended path. See what it is.
Read his explanation and see the program excerpts below. Chat with Specialist is a Q&A about investments exclusively for subscribers and is broadcast every two weeks, on Thursdays, from 15:00 to 16:00.
Minimum investment less than BRL 1
Esperandio says there are private fixed income investments under 1 R$, such as some CDBs (Certificados de Depósito Bancário) offered by banks.
Master Bank offers CDB Bank with a minimum investment of 0.95 BRL. It confirms that investments in CDBs are protected by FGC (Credit Guarantee Fund).
at Fixed Income Application PlatformYou will find many titles with variable initial investment. pre-existing direct treasury platformthe available securities have an initial investment of slightly higher values: from 30 BRL.
It is worth noting that the investment terms mentioned here date back to March 24. Fees may vary from day to day.
The economist also says that on variable income it is possible to start investing in stocks with little money: about 1 RRL.
The first step: Build an emergency reserve
“But if you have never invested, your first investment should be in emergency reserve. Start by collecting yours. That amount equates to six to 12 times your average monthly expenses,” says Esperandio, who is also from Iconwick.
Meaning, if you have an average monthly expense of R$2,000, your contingency reserve should be between R$12,000 and R$24,000.
“This is a guarantee, so in the event of an emergency, you can save that money to use,” he states.
For contingency reserves, Esperandio says the most recommended are safe treasuries.
“Or CDBs, LCIs and LCAs with daily liquidity and a profitability of at least 102% or 103% of CDI, because they then begin to exceed the profitability of Selic treasury. It is important that they have instant liquidity, they are a safe investment and predictable profitability.”
The economist says that you do not need to build up the entire contingency reserve before starting other investments.
You can build up your emergency reserve little by little, and at the same time, start investing in other assets in fixed income and even in variable income. It depends a lot on your Investor Profile.
Chat with a specialist every two weeks
the program Chat with a specialist It is broadcast on Thursdays, every two weeks, from 3 pm to 4 pm, on the home page of UOLIn the Economics UOL Nor UOL InvestimentosExclusive to subscribers. review Previous programs here.
You can send questions to Papo by e-mail [email protected] — they can be answered in the program.
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