Moments of turbulence in the economy generate insecurity even among those who have more experience to decide each stage of their financial planning. This includes choosing the best options on where to invest in the crisis.
Thinking about it, we prepared this article to show how the current scenario affects the main investments. In addition, we will indicate some investment options and what you should consider in scenarios of financial uncertainty. Good reading!
Is it worth investing in the crisis?
All this, of course, makes it difficult to predict what the coming years (or even months) will be like. We live in what experts call a period of high volatility, where what is advantageous today is not always interesting tomorrow.
Such a context demands that the investor, whether experienced or a beginner taking his first steps, navigate calmly among the options available for his money.
This does not mean that there are not good opportunities to invest safely and interesting return possibilities, as we will discuss in the following topics.
Where to invest in the crisis?
Although it is impossible to offer certainty about the possibilities of return on any financial investment option, with patience and a lot of study it is possible to find interesting options even in this moment of instability. Next, see where to invest in 2023.
1. Fixed income
For those looking for an investment to protect their money and even be used as an emergency reserve at any time, fixed income options are worth mentioning. Mainly in a context of high interest rates and inflation, this is an aspect that benefits the profitability of some investments in this category.
To reinforce, investments in fixed income are those where the investor knows exactly what his return will be at the time of application. It is common for profitability to be calculated based on indicators such as interest and inflation.
In any case, straight treasury bills and bank certificates of deposit (CDBs) are the most popular fixed-income options. Considering alternatives linked to inflation can help maintain purchasing power, but always evaluate the redemption deadlines, always prioritizing shorter intervals if there is a prospect of withdrawing the money.
2. Investment funds
Those who are looking for investment options that are a little more elaborate and diversified, but do not have much experience in the subject, funds can be interesting alternatives. They bring together investors who, under the guidance of an administrator, apply the resources gathered in accordance with that fund’s approach.
Thus, there are fixed income funds, real estate funds, stock funds, among others. It is always worth keeping an eye on how the fund is managed. The risks of each option, as well as the costs of this type of investment.
Moments of instability and widespread fear in the market can generate good opportunities for those who want or already invest in stocks traded on the stock exchange. Many papers are priced at very low levels.
But like other variable income options, investing in stocks requires in-depth knowledge of the market, little risk aversion and, in many cases, cold blood to deal with the ups and downs of prices.
Consortia, in turn, are a great option for those looking for stability and security to expand their assets, reinforcing this alternative as an excellent alternative for investors with different profiles.
Several reasons reinforce how this is an investment option that should be considered. Even in times of crisis.
consortia have no interest , only the administration fee;
do not require entry fee;
help maintain purchasing power;
share 100% the value of the good.
In addition, those contemplated with the letter of credit have the benefits of making a cash purchase and being able to complement the amounts with their own resources or with the FGTS, in the case of the purchase of a property.
Finally, this form of investment strengthens planning, discipline and financial education thanks to the amounts allocated to the formation of a reserve with the payment of installments.
What to consider when choosing where to invest?
Now that you already know some interesting options on where to invest in this period of crisis. It is worth going over some tips on what to consider before dedicating your resources to any investment alternative.
The first step is to assess your current financial situation. If the crisis period affected your income and messed up your budget. It’s worth taking a step back and putting things in order. This includes, for example, equating debts. Then, assess your goals and how much you can allocate to investments.
In parallel to this assessment, it is essential to know more about your investment profile. This involves, above all. Better understanding your way of dealing with risks, present to a greater or lesser extent in any investment.
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