Investing money and getting a good return is the dream of many people. Therefore, searching for investment tips for beginners is the first step to enter the world of financial markets.
But there are countless doubts that arise at this moment: what is the best type of investment for beginners? What options are there? How to make the right investments to get the best financial return?
Regardless of our goals with the applications, we want to do it in the best way. After all, we are dealing with our money, and even with years of savings, aren't we?
To clear up the main doubts about where to start and which are the best options, we have separated some investment tips for beginners. Read on!
Where to start? 5 investment tips for beginners
The number of investors in the stock market has grown 50% in the last year. A lot of this is due to the change in people's mentality, who realized that it is not necessary to have a lot of money to start investing.
However, some care must be taken at this moment, mainly so that small challenges do not become mistakes and damage the investments and the financial health.
This means that, before starting to invest, we must make sure of some fundamental issues. Check out some tips for beginners in investments.
1. Create a good financial plan
When you start your life in the business world, the ideal is to have a good financial planning.
This organization can be done through spreadsheets or even mobile applications. The important thing is to keep track of all your money movements, i.e., the inflows and outflows in your account.
This way, it is possible to better understand your expenses and, especially, how much you can save and invest each month, without this affecting your finances.
2. Get rid of debts
According to a survey, 72% of families have some kind of debt, the main ones being:
- Credit card;
- Carnets;
- Personal credit;
- Special check.
This data is alarming, especially when we think about the difficulty in accumulating a solid patrimony when there is debt.
Therefore, one of the main investment tips for beginners that we can give you is to do your financial planning and negotiate your debts, and then start investing.
3. Know your investor profile
With everything right in the points raised above, it is time to know your investor profile. Based on this profile it will be possible to realize which type of investment is best for you, the beginner.
The three major types of investor profile are:
- Conservative: has more appreciation for safety and greater risk aversion;
- Moderate: is willing to take medium risk in their applications;
- Bold: is open to taking risks aiming at a higher profitability.
Remember that the investor profile is not immutable, that is, you can start investing identifying yourself more with one profile and, as you gain experience, change to another.
4. Be patient and disciplined
When we talk about investment tips for beginners, these are two golden words: patience and discipline. Without these, it is not possible to have the financial return that you expect so much.
After all, we need to have the discipline to save regularly and to understand the investment world thoroughly. In addition, patience becomes our greatest ally when we remember that in some applications the longer you leave your money, the greater the return.
5. Get informed about the main investment options for beginners
The last step before starting to invest is to get to know the main options that exist; after all, there are many of them. It is essential to understand how they work, always thinking about the investment tripod concept: security, liquidity, and profitability.
At this start, we must understand the difference between fixed income and variable income.
Fixed income is one of the best known investment categories, in which the calculation of the allocation is created and known from the moment of application. Because of its security, it ends up being one of the best investment options for beginners.
As more experience is gained, it is possible to venture into variable income applications, which have the advantage of greater profitability, however, running greater risks of loss.
