Knowing how to organize your household accounts is an important step towards achieving the financial independence you dream of. If before people resorted to notebooks, calculators and other quite tiring methods to do this, now technology makes it much easier to do this: apps like Guru can help you organize your money and, as a bonus, help you allocate resources in a profitable business and invest in BDR.

While high rates and high interest rates are a little scary, the opportunity to grow financially has more support these days. Brazilian Deposit Revenues (or BDR, its acronym in English for Brazilian Depositary Receipts) are an example of how to invest in multinational companies through B3, Brazil's official stock exchange.

In other words, when foreign companies have shares in Brazil, people can invest in the receipts they issue. And several companies do this: Magazine Luiza, Amazon, Google, Disney are some. PagSeguro is one of the Brazilian companies that uses this type of strategy.

Invest in BDR: how it works

To make purchasing shares practical for you to invest in BDR, there must be a Custodian Institution. She is the one who, first of all, will buy shares in companies to make investment possible here in Brazil. On the other hand, the Depositary Institution takes control of these shares when they arrive in the country.

There are also two types of BDR:

• Sponsored. Google and Apple are very representative of this type. They look for a Depository Institution in the country where they seek to attract investors. Its main tactic is to pay for itself to issue share sales receipts.
• Unsponsored. Other companies do not try to have this type of strategy. Therefore, when a share is offered for you to invest in a BDR that has no sponsorship, the Depositary Institution first goes after the Custodian Institution to bring the shares to the country in which you want to attract the investment. Booking Holdings operates in this category: in this case, B3 itself has to seek the BDR for Brazil.

Nowadays, the Securities and Exchange Commission (CVM) allows people with little money to invest in sponsored shares, as long as they are level 1, and in any non-sponsored share. Furthermore, another advantage is that the Tax on Financial Operations (IOF) is not charged for those who want to invest in BDR, which always have their operations carried out in reais and in national territory.

Using the Guru app with BDR

The procedure to obtain the application is very simple: going to the app store on your cell phone, just search for the Guru app and click “Install”. As soon as you open it, the screen will have some news about the market and a list of stocks and assets you want to invest in.

Each of the stocks will have a graph, which you can see when you click on them. Below, the app also shows some characteristics of the share, such as the share price during the day, general indicators, etc. Scrolling to the end of the action page, you can also check the news about the organization of the action in question, so that you can invest in BDR.

If you want, you can still see companies by sector: technology, finance, agriculture, industry are some category options available on the app. In addition, it also has a portfolio section, where you can see how much liquidity you have accumulated from shares.

Do you need organization before investing in BDR? Discover GuiaBolso

Catching up on expenses so as not to get lost is already a problem with a digital solution. As GuiaBolso app, you can manage what you consume by integrating your bank account directly with it. This way, you don't need to fill in many details in the app, because it asks for simple information, such as your phone number and other data.

At the same time, the advantage is that the app can also easily obtain your statements so you can organize everything you consume. This option is also one of the most viable due to security, as everything managed by the app has very advanced encryption protection.

Not only that, but there is also the option to set goals in the app. In other words, each expense is accounted for to know the status of your accounts, if you have a plan to be able to set aside a little money at the end of the month. Along with this, the app also supports different cards simultaneously. In other words, you can include both credit and debit card expenses, the account in which you receive your salary, etc.

Extra: get to know NuInvest and invest in BDR

NuBank users have an organized guidance option with NuInvest. There, there is various content, covering investment in BDR and other types of areas of the financial sector.

Furthermore, the bank has information about the Brazilian stock market and the most appropriate times to make investments on a daily basis.

In fact, NuInvest has a app where you can follow the market comfortably. In it, you can check the movements of your account and everything that is yielding for your investment. This way, it is possible to stay on top of everything that happens, even the risks related to the Marketplace.

See how to trade on the NuInvest app:

• Enter your password and email into the application;
• Click on the “Invest” button;
• When you see the “Variable Income” category, click on it and then go to “BDR”;
• Look for an asset in the search bar (with the magnifying glass icon, “🔎”), such as GUAR3, from Guararapes Confecções SA;
• Click on “Buy” or “Sell”;
• Decide between “Buy for Best Price” or “By Desired Value”;
• At the end, click on “Buy” or “Sell”.