Get good returns in the financial market

To obtain good returns in the financial market, it is necessary to invest in diversified, low-risk assets that offer returns and appreciation. Accordingly, experts suggest strategies such as Treasury Bonds and CDBs aimed at investors with a more conservative profile, that is, those who tolerate taking less risk, and real estate funds for more daring profiles, aimed at those who take more risks, in search of higher returns.

Invest in diversified assets

According to experts consulted by Forbes, some strategies can guarantee the success of your investments, especially when investing in diversified assets that combine good returns and appreciation.

According to Tulio Menezes, CGA Resource Manager at the Fractal Group, ideally, the investor seeks profitability only after accumulating equity. He recommends fixed income investments for those who are in the final stage of accumulation. Examples are the Renda Mais Treasury and Bank Deposit Certificates (CDBs). For the more daring investors, that is, for those who do not mind taking greater risks if they obtain greater gains, real estate funds (FIIs) are ideal, as they offer monthly dividends.

In agreement, Laís Martins, partner at Fundamenta Investimentos, suggests the Tesouro Selic and post-fixed CDBs to obtain monthly returns. It is advisable to avoid high-risk assets, check consistency, consider liquidity, taking into account the redemption period and costs associated with the investment, such as administration fees and taxes, which are also responsible for ensuring a satisfactory net return.

_{Cell phone showing an investment graph on the screen (Photo: reproduction/ PiggyBank/ Unsplash)}

Fixed income assets

Selic Treasury – its profitability is linked to the Selic Rate, the basic interest rate. In addition, it has daily liquidity, allowing withdrawal at any time to be used as an emergency reserve.

Treasury Renda Mais – The objective of the Treasury RendA+ is to provide additional monthly income for 20 years, focusing on the long term, maintaining the purchasing power of beneficiaries by correcting inflation.

CDBs (Bank Deposit Certificate (CDB) – is a type of fixed income issued by banks and savings banks, with different profitability for each institution. It aims to raise resources to finance its activities, being nominative, that is, in the name of a person linked to the CPF and issued by the banks themselves.

Post-fixed CDBs – this means that you are lending money to the financial institution and, at the end of the term, you will redeem the initial amount plus interest. It is important to highlight that this type of asset allows you to know the exact yield at the time of maturity or redemption.

Variable income asset

Real Estate Investment Funds (FIIs) are funds focused on real estate projects of different types, such as shopping malls, hospitals and commercial buildings. When purchasing FII shares, you become an investor in the property, like a partner, and start receiving income from rentals on a monthly basis. A characteristic of Real Estate Investment Funds is that they invest in large properties, with diversification of tenants and thus minimize the risks in relation to fluctuations in the distribution of income.

Featured Photo: Man uses investment platform on computer (Reproduction/Campaign Creators/ Unsplash)