To start investing, people need to carefully measure the risks, chances of success and, above all, deal with uncertainty in the market. The way the financial market tends to operate can lead to unpredictable results. Therefore, thinking about what your assets, investments and other investment strategies will be like is a crucial step for you and your life in finance. From this, people who invest in the financial market reduce the risk that could affect their investment.
For example, the way the market outside the country can affect your business changes a lot. Wars and the impacts of various factors can lead to a rise in interest rates or the growth of the feared inflation. Added to this, there are phenomena such as loans between various countries around the world, which can influence the value of currencies across the planet. Brazil is in this context of high change and turbulence in the market, which can, perhaps, scare people who are starting to invest.
Making good investments when there is uncertainty is not always easy. In fact, there are many challenges and people who want to have some direction in the financial market must keep a good eye on the news. Therefore, what you should do at these times is try to diversify the portfolio of items in which you place your resources. By continuing reading, you will learn more about action plans and techniques to stay on top of these market waves. Keep reading!
Acting in moments of uncertainty: how to be practical when investing
To begin with, it is worth remembering that the more disruption there is, the more complicated the market tends to become. This is why watching the news is so crucial. If you are aware that there are strong or delicate ups and downs in relation to politics and other events, stay tuned. This may indicate risks and show great uncertainty within the economy. In other words, you will have to give more value to what your portfolio may have that doesn't have as much effect, coming from this scenario full of bad news.
Without knowing exactly what could happen in terms of the market, the stock markets could fall. So, take a good look at what financial policies are about to be analyzed. In other words, if you pay attention to how rates are going to make a decision (change in Selic, preview of inflation, indices, etc.), there is less chance of losing money. It all depends on what the current management wants to achieve, in terms of economy.
The main tip, then, is to rely on diversity. With it, it is possible to have several ways of investing to allocate resources and, safely, preserve more and lose less from crises. But, take a good look at how you act when investing, because people must also take care of their investment profile. Therefore, a portfolio (also known as a portfolio) that is resistant helps to overcome these moments of great uncertainty.
Appropriate forms of investment for the crisis
For example, the Plano Gerador de Benefícios Livres (PGBL) or Vida Gerador de Benefícios Livres (VGBL) can help in difficult times. The PGBL option is recommended for people who are investing in risky times, as your contribution can reach up to 12% of gross income. On the other hand, people who opt for VGBL, in general, are exempt from tax or in a simple way, having taxes only on the amounts they contributed.
In the regressive form (also called 'definitive'), the investment has a crisis charge with the person who declares the tax and, therefore, cannot be compensated in the declaration. The tax regime: regressive or progressive taxation, otherwise, in progressive mode people redeem a part of what they have invested, according to the value of the plan that the person chooses when joining a new form of investment fund. investment.
There is also the option of long-term funds, that is, until the death of the person who has a private pension. If your interest is not just personal gain, know that investments in crisis can also fund a children's education project, or even a plan based on taxes. But, in general, the best thing is to have a monthly amount that is saved. Other known fixed income applications are Real Estate Credit Letters (LCI) and Agricultural Credit Letters (LCA).
After all, what is the best thing to do to avoid market turbulence?
Consider, first, how much risk you want to take so you can continue investing, even in critical scenarios. There is even a chance that new opportunities will arise and open up other chances to profit from these situations. However, be aware of what may fail to benefit what you have already accumulated in terms of patrimony. It may be that in times of rising inflation it starts to have some worrying effects. Fixed income investments, it is worth remembering, also help to deal more calmly at a time of various economic problems.
