How to reach this value in fixed amounts

Reaching BRL 1 million simply by investing in earnings merchandise: is this attainable? Or would you like extra probabilities to get higher outcomes?

In Conversation with the Specialist, stay program of UOLFinancial advisor Lueny Santos says sure, however generally you want to change your technique and take extra dangers if you would like to make extra revenue.

“If you need a increased return, you might have to go away cash, even in fixed earnings”, he mentioned.

Read the banker’s evaluation beneath and watch an episode of the October 20 program.

Chat with the Advisor is an unique reply to questions on investments for subscribers, and is printed each week, on Thursdays, from 4 pm to 5 pm.

To repeat your query in this system, ship your query to Papo by e-mail

If the consequence goes down, change the technique

For Lueny, R$ 1 million could be raised for funding in fixed earnings. “But generally you do not get a very good return, you might have to improve your donation to compensate for that”, he mentioned.

But is it value it? According to Lueny, whenever you make investments, you spend cash doing it for your self.

“Some time in the past, the profitability of 1% monthly was removed from ours. Today, this is feasible, however this will change in the approaching months, as a result of the market”, he mentioned.

According to him, the chance and the return are optimistic indicators. “If you need extra returns, you want much less danger. But if you would like much less danger, you want much less return”, he mentioned.

It is an indication for individuals who are afraid to make investments, he says, to begin incomes actual cash. “In fixed earnings, yow will discover earnings and earnings above 100% of the CDI, for instance. If you need to pay extra, you might have to go away the cash, even in fixed amounts”, he says.

Another means to diversify your funding in fixed earnings is to make investments in firms.

According to Lueny, in mutual funds there are three forms of danger:

  • Public debt danger: Giving cash to the federal government. “This is the smallest downside. These are Treasury Direct’s public funds”, he mentioned
  • Private credit score danger: Lending cash to banks and finance firms. “These are CDB, LCI, LCA, and many others.”, it says
  • Corporate credit score danger: Lending to firms via loans, CRI and CRA

Consultation with the Expert is weekly

The Talk with Specialist program is broadcast on Thursdays, each week, from 4:00 pm to 5:00 pm, on the homepage of UOL, on UOL Economia and UOL Investimentos, and is unique to subscribers. Review previous occasions right here.

You can ship questions to Papo by e-mail at —and might reply the mission.

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