What is your investor profile: conservative, moderate or aggressive

What is your investor profile: conservative, moderate or aggressive

Before you start investing it is important to identify your investor or investment profile. That is, you need to understand what your goals are with the money that will be invested, available capital for investment, and, mainly, what your risk tolerance is, because in some modalities you can even lose the main capital.

In addition to the new modalities that have emerged in recent times - such as cryptocurrencies and Peer-to-peer lending, there are investments already known in the market, such as Public Bonds, Savings, LCI and LCA , Treasury Direct, CDB, Shares, Debentures, IPCA Treasury, among others.

Therefore, thinking about the infinity of investments, we decided to separate some tips so that you can identify your investor profile (conservative, moderate or aggressive) and, in this way, choose the modalities that best fit your goals. Come on?

KNOW YOUR INVESTOR PROFILE:

• Conservative profile: Investors who have a conservative profile seek security when making their investments. For this reason, it opts for investments with no risk of loss, investing most of its capital in fixed income and only a small portion in variable income. In other words, this investor has low (or no) risk tolerance, even if the profitability is lower, he prefers investments with guaranteed returns.

• Moderate profile: The moderate or balanced profile still values safety when investing, but it has a little more risk tolerance - compared to the conservative one. That is, there is a diversity in the investment portfolio of this profile. The balance sheet is larger and consists of fixed and variable income investments and, at times, it still risks long-term investments aiming at greater profitability.

• Aggressive or bold profile: The aggressive profile is one that is willing to take all risks, to lose part or all of the main capital. He understands the market and seeks recurring and up-to-date information about his investments. Handles financial market variables well. This profile can invest in the Peer-to-peer lending modality, considered a high risk fixed income. The profitability of P2P can reach up to 250% of the CD

Know, however, that it is not just your profile (conservative, moderate or aggressive) that will define the best investment. It is important that you analyze other variables such as objective, investment period and available capital, before you start investing.

From the analysis above, it is recommended that you study about each of the investments and, mainly, how you will organize your investment portfolio.

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• Objectives and goal

Objectives and goals are essential for you to identify investment possibilities and to organize yourself financially. When setting goals, remember not to fantasize, put only those that will be accomplished. That way, you avoid future frustrations.

• Term: short, medium and long

Try to divide your goals into short, medium and long term. Thus, it will be easier when choosing which investment best suits your goals. There are countless investments with varied possibilities of terms, with daily, monthly, semiannual, annual liquidity, etc.

For example, you want to invest in short-term modalities, to withdraw money in 3 or 6 months, without taking too much risk, invest in LCI, CDB, DI Funds, among others.

Don't forget: everything - amount, modality, deadlines - will depend on your goal. Capital is for travel, opening a business, savings, retirement, in short, define the amount, the investment, the term, and so on.

See below some modalities that are highlighted this year (2018):

# 1 - Tesouro Direto: Tesouro Direto continues to gain popularity, in April, this year, the number of investors in this modality surpassed 2 million.

# 2 - IPCA Treasury: This modality follows the IPCA (Broad Consumer Price Index), that is, the IPCA Treasury follows the inflation of our economy. In 2018, the bonds are paying premiums of around 5.6% per year, maturing in 2035 and 2045. The investment is indicated for investors who aim to achieve long-term results.

# 3 - CDB: Even with the drop in the Selic rate, it is possible to have good returns with Bank Deposit Certificates (CDB). The modality attracts investors because it is guaranteed by the Credit Guarantee Fund (FGC), a body that guarantees investments of up to R $ 250 thousand per CPF and institution.

# 4 - LCI and LCA: Letters of credit, both real estate (LCI) and Agribusiness (LCA) continue to attract investors in 2018. One of the attractions of the modality is the Income Tax exemption.

# 5 - Peer-to-peer lending (P2P): Modality that appeared in 2015 in Brazil and continues to grow. P2P is a collective, high-risk, long-term loan, in which investors make investments in companies and then receive the amount back. The profitability can reach up to 250% of CDI.

It is worth mentioning that, even exemplifying the conservative, moderate or aggressive profiles, and the most common investments - and highlighted this year - according to each description, it is important to research and confirm whether the tips apply to you.

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