According to ANBIMA, around 40% of Brazilians had some type of investment until the year 2020. But when we talk about investments, we portray a range of options: CDB, savings, shares, Tesouro Direto, private bonds and investment funds.
However, the average family income for this number of people is around R$ 7000, according to the same report that provides this information. And this is not described as little money, given the average number of family members in Brazil (3 people).
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So, if you have little money and want to make it work for your pocket, check out the best investments to start now. Here we separate some of the most viable options for those who don't have much capital and want to multiply.
Savings are not investments
Considering that around 29% of investors rely on their capital in savings, we must remember that the yield in this category is not as good as the others. Firstly, because due to inflation, the money in savings tends to depreciate in value.
So if you are looking for safe investment options, just invest your money in conservative investments instead of believing in what many professional investors call “the savings scam”. Especially because the returns on savings can harm an investor's finances.
Even though the Selic rate increase took place in 2021, the effects of this on savings are very small. Around 6.17% per year is the yield promised by this investment category. And for those who have little capital, this is not interesting at all.
Even if the return is low due to the risk and return relationship, it is better to count on little money “dripping” into the account than on the devaluation of your capital. For example: R$ 1000 in the savings account last year depreciated less than R$63.70.
Suggestions for multiplying your wealth with little money
Above all, investing is about making your own money work for you while you are busy making more money. Therefore, here we seek to provide safe options so that you can increase your wealth even if you have little capital to invest. Starting with the most conservative options.
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Firstly, our conservative investment suggestion (a suitable investment category for those who value security and high returns) are Bank Deposit Certificates. In short, this investment is a “loan” to a bank.
In addition to being a safe option, it is a great way to obtain good income by investing little money. Currently there are banks that offer yields of up to 200% on the CDI (a rate that is based on loans that banks make to each other to close the day in positive terms).
But in addition to this option, our other recommendation is Tesouro Direto. This is a conservative investment option that greatly benefited from the Selic rate adjustment last year. And for those who are short on cash and want to buy Treasury bonds, this is a great time.
Moderate and bold investment options
Now our advice for you who are interested in increasing your capital by risking a little more. It is a fact that when investing, not everyone considers the possibility of losing. Therefore, if you are looking for moderate or bold investments, make contributions with amounts of money that you can afford to lose..
Do not take out loans or sell assets to invest, as this is the opposite of any principle of prosperity. Continuing, our first moderate or bold investment option is similar to the conservative profile options: fixed income. So, you can believe in CDB or Treasury as ways to multiply your capital.
But in addition to these, you can include investment funds and stock exchange shares in your portfolio. Always remember that the moderate investor is the one who prefers to risk more than the conservative one, but not as much as the bold one would risk.
And since we're talking about those who prefer to take more (bold) risks, here's our high-return investment option: stock exchanges and crypto assets. We know that the best way to achieve high returns is by investing in high volatility markets. Above all, nothing brings more returns than these two categories.
Therefore, if you are willing to risk your capital to obtain great returns, start looking at cryptocurrencies or buying shares on the Stock Exchange as investment possibilities. A classic example of high returns: those who bought Magazine Luiza shares in 2015 managed to obtain more than 91,000% of appreciation by 2021.
And the same applies to those who invested in Ethereum in the same period: returns were over 21,000% by the year 2020. So, if you want to multiply to reinvest or use in a dream of yours and are willing to risk everything you have, look for options like these.
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