You know that feeling that time is flying by and everything needs to be done today? The day-to-day rush makes everything seem urgent and often the main thing is missing: planning !

Electricity, water, gas, internet, rent, condominium… The list of bills seems endless. And in this sea of ​​bills to pay and everyday tasks, it’s very easy to get lost and leave the basics for later. And that goal of yours to start studying investments for beginners is being left aside.

So today we’re going to talk about investments . No more postponing. Grab your coffee and learn about 4 precious tips to start investing . And no leaving for next Monday, huh?!

What are investments?

The first step to start investing is to understand what investments are and how the financial market works .

Investments are expenditures or applications of resources with the effect of producing some return in the future, that is, appreciation, interest or any other financial benefit.

Therefore, the concept of investment is related to the expectation of future results or gains .

From this, we can say that studying is also a way of investing, since you can pay to acquire knowledge in the present to have a good job in the future. Another example is the purchase of a property with a low market value that can be renovated and sold at a higher price based on the valuation.

This also applies to investments made in private pension plans , company shares, government bonds, bank bonds, among other financial assets. In this case, when investing you are applying your money so that it earns interest or increases in value according to the chosen product.

There are several types of assets and objectives to invest in. Let’s understand a little more about investments from the way they yield and their characteristics.

Fixed income

Fixed income investments have profitability linked to a rate, which can be pre-fixed, post-fixed or hybrid .

In pre-fixed, the investment has a fixed rate , which allows you to know exactly how much you will earn at the end of the contract. In the post-fixed one, the bond is linked to some economic indicator, such as the CDI, IPCA or Selic , for example, with a return that varies according to the value of the indicators. The hybrid rate unites the characteristics of the two models mentioned above.

Among the main types of fixed income investments are: Direct Treasury, LCI, LCA, CDB, Savings, Debentures and Fixed Income Investment Funds.

Variable income

More daring investors prefer variable income investments , which, as the name suggests, have varied returns .

Variable income investments can offer greater profitability. However, there are more risks in this type of operation as well.

Just as they can yield a lot, they can also devalue and make you lose money. Therefore, you need to be careful and knowledgeable when investing in variable income.

Among the main investments with this characteristic are: Stocks, ETFs, Exchange, Cryptocurrencies, Real Estate Funds (FIIs) and Commodities.

Types of investment

Investments also vary depending on the time of application, with options for short, medium and long term . The choice of period varies according to the objective of each investor.

Come with us and learn about the deadlines of the main investments in the financial market, as well as the indication according to some objectives.

Short term

Short-term investments are those that you can redeem the invested amount and income in a shorter time. That is, it has high liquidity and low volatility .

Some examples of investments that can be made for the short term are CDBs , with daily liquidity, and fixed income funds , which can also have daily liquidity.


On the other hand, medium-term investments may be a little more risky , as they have time to keep the money invested and recover from an eventual fall.

But it can also be applied to an asset with a longer maturity period, without liquidity, as long as it delivers a more interesting return. They are usually designed for periods of 3 to 10 years .

Some examples of medium-term investments are: Direct Treasury maturing in up to 5 years, LCI and LCA, Multimarket Investment Funds, among others.

Long term

Finally, if you want to build equity and want to make your money work longer, long-term investments are good choices.

Long-term investments are those options with long maturity rates or that offer a higher risk-return ratio , that is, the opportunity may be good, but the risk is also high.

Some examples are: LCI and LCA, Equity Funds, CDB, Shares, Real Estate Funds, Debentures, Private Pension and others.

Know some important terms

Well, now let’s talk a little about the most common terms in the financial market and in the investment world, so that you understand what each one of them means. Follow!


You’ve probably seen some internet guru talking about ′′ contributing ′′ to an investment, haven’t you? Know that aporte means to contribute .

In the world of investments, making a contribution is the same as depositing or contributing to your goal, with a single or monthly deposit, for example.


The term return is easier to understand: it is the income you will have from an investment .

Therefore, when we talk about expected return on investing, we are talking about income that can be interest or appreciation of the asset .


Another common term is liquidity, which is the ability to convert an asset into cash . That is, it is about how quickly this conversion happens.

An asset with daily liquidity, for example, can be redeemed on the same business day the operation was processed.


Finally, another popular term is diversification, which in the financial market is the strategy of dividing the investment portfolio into different options in order to have greater financial security.

Why start investing?

We know that it is not enough to know the types of investments, it is necessary to have the most important ingredient to make all this happen: motivation . In that case, here are the main reasons for you to start investing:

  • Heritage construction;
  • Financial stability;
  • Personal achievements;
  • Comfortable retirement;
  • Education and comfort of children;
  • Building a new business;
  • Family financial security.

Investing for Beginners: Where Do I Start?

Your financial life is in a mess, but are you thinking about how to organize yourself to take care of your future? You are in the right place !

There is always time to learn something new, start or even start over. Let’s see below the main tips for those who are entering the world of investments for beginners.

Come on?

4 tips for the novice investor

1 – Get Organized!

Make financial planning . This tip is just the beginning. Do not skip this step. From the moment you decide to invest, you need to know how much money you have for investments .

You can keep a spreadsheet, use an application or even put everything in a notebook. What to prefer. The important thing is not to forget to include everything you earn and spend during the month . Write down even those small payments that when added together add up to a big budget effect.

Once you have this information in hand, you will know where every penny of your salary goes. This way you can set goals , save monthly , and above all, save and start making investments for beginners.

2 – Get rid of debt!

One thing cannot be missing: pay your debts ! Renegotiate your debts and make a cash payment proposal. By advancing the installments, you can have good discounts and thus get rid of that weight in the budget.

If this is not possible, do not forget to factor debt into your financial planning . These are the initial steps of your journey, they must be done before you start investing.

You might even think that if you invest, you’ll have more money to pay off the debt later. But that’s not ideal. You will not be able to accumulate equity if part of it is already compromised.

3 – Have an emergency reserve

You know that pipe that bursts out of nowhere, the cell phone screen that breaks or the flat tire in the middle of the trip?

These are just some examples of expenses that are not foreseen in financial planning . It happens when we least expect it, but that doesn’t mean we can’t prepare for them.

By making an emergency reserve , you gain financial security . Remember: you are looking to save to invest. These eventualities can derail your journey into investment for beginners. And this needs to be avoided.

4 – Know your investor profile

To choose which investment is most suitable for you, it is important to know your investor profile .

You need to understand how you handle money . This is one of the most important steps and best of all, it costs nothing! You can do this self-assessment at any time.

Take into account your income, your goals, investment term, all the factors that influence your decision making .

And to understand better see below the three profiles of investors :


This type of investor does not like to take risks and prefers to make safer investments. Between having security or risking in exchange for greater profitability, he prefers the first option.


Despite liking security, this investor already risks a little more . He is willing to try new things and step out of his comfort zone.

He diversifies his investments more and even though he prefers conservative and safe investments, he uses part of his money for others with a slightly higher risk.


Here we are going to talk about those who are more daring , who tolerate more risks and are not afraid when it comes to money.

The main objective of this investor is to have a higher profitability and he prefers to invest in variable income.

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