It has become customary in the financial market to say that long-term consistency outweighs short-term intensity. Translation is that it’s better to invest a little every time than to leave a lot of money in an application and forget about it.
The phrase encourages investors to start early, not wait to accumulate money to start investing, and to be disciplined with their investments. In addition, those who are always looking at their investments may find good opportunities, unlike those who leave their money in an investment “forever”.
Keeping an eye on investments every month, every week or every day, however, takes work. Investing is a job in itself. It is necessary to study the available options, at the moment, to draw up your plans. All this takes time.
Just as you don’t buy a car after just reading the ad, you shouldn’t put your money into a product just because you heard it was a good deal. You have to understand the logic.
Once you understand the logic of how each option fits your plan and profile, there are tools that can facilitate and make the act of investing a habit. One is automatic application, another is scheduled.
In the case of such automatic application, which seems to have come in and out of fashion, banks offer the option of putting the money that is left in a checking account in an investment product. Sounds cool as long as you don’t move the checking account.
As, when you move the account, you withdraw from the application, the result of this type of investment in a used account usually tends to be very low. If you don’t intend to move the money, then the ideal would be to invest properly, so that you don’t move unless of necessity (or to make a new and better investment).
In the case of scheduled investments, offered by several banks and brokers, such as Itaú, Bradesco, you have the option to schedule a contribution to certain investments on a weekly or monthly basis. If it is in an investment account, you must first schedule the transfer from your checking account to the investment account, but this is the simplest part.
The most complex part is, as always, choosing the product. In the case of those who are making their emergency reserve (the first step in investing), it is simpler. As the recommendation is that this money stay in more conservative and liquid investments, so there are no surprises and be withdrawn at any time of need, it is easier to choose a product and let the technology do its job.
When this piggy bank is full, that is, the reserve reaches the planned amount, it’s time to increase the range. Then the choice is more difficult.
In the case of the scheduled purchase of assets such as stocks, funds and ETFs, allowed in banks like Itaú, Bradesco, you must keep in mind the volatility of prices before making an option. As much as the strategy called “buy and hold”, of buying and holding the asset, without speculating with it, is based on the valuation of assets in the long term, volatility can make seeing your investments bear fruit even more Late.
As a practical example: If you had a scheduled purchase of Petrobras PN shares (PETR4) every early month, in March, you would have bought the shares just before the drop that was already being pointed out by analysts.
For this reason, there are investors who choose to follow portfolios recommended by institutions’ analysis areas (such as XP, Itaú, BTG Pactual or Guide) or by the so-called research houses (such as Eleven, Nord or Benndorf). It is a more speculative strategy than focused on accumulating shares in a company.
In this sense, good news came from BTG, which offers automatic portfolios of stocks and real estate funds (FIIs). Every month, when the bank’s analysis area redoes the recommended stock portfolios, investors who decide to follow the bank’s recommendations already have the exchange automatically made in their investments. Thus, the investor follows the moment considered by analysts to enter or exit a stock.
The possibilities of investments called automatic are there and, with the advancement of technology and Brazilian interest in investments, they should become even more common. The important thing is to know that technology does not replace your job of understanding your own needs and seeking out the best opportunities. What it does is facilitate your decision making.
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