Descubra agora: quais são as melhores opções de investimentos hoje

Find out now: what are the best investment options today

Basically, both in Brazil and around the world, the situation is one of inflation and, in some countries, even stagnation. That said, investors are looking to find out: what are the best investments today ?

By knowing this answer, we can improve the return on our income in a place of greater stability and economic security.

Therefore, we at Citas will address this topic in this article to learn about the ideal assets for us to invest in today.

Check it out below!

Best investments today to start investing

When it comes to the best investments today, we need to take into account our profile as an investor, our financial goals and the current state of inflation in the world.

So, let’s get to know some efficient assets for specific goals that can help you.

Long-term investments

The long term is that which has a time period of more than 5 or 7 years and, because of this, corresponds to those objectives that are more difficult to achieve.

For example, buying a new house, a luxury car, moving to another country, paying for college, retiring and much more.

Therefore, our preference is to achieve greater profitability, as time allows us to do so, considering that we will not need the resources immediately.

In this case, what are the best investment options today for the long term? Check it out below:

  • Assets abroad;
  • Cryptocurrencies;
  • Agricultural funds;
  • Real estate funds ; and
  • Actions.

However, even if we do not need to prioritize liquidity, we cannot ignore the risk of assets, as our investor profile is very relevant throughout the process.

Medium-term investments

In the medium term, many believe that there is no consensus. Some believe it will be 1 to 3 years, others 1 to 5 years, and so on.

Generally speaking, what is the best way to spend a medium-term investment today? Throw a wedding party, buy a popular car, renovate a house, make a down payment on a piece of land, etc.

Therefore, we can select assets that have lower liquidity and a higher expected return, always considering our profile and the planned time to achieve the goal.

In this mode, the number of financial products we can invest in expands:

  • Fixed income investment funds;
  • Exchange Traded Fund (ETF);
  • Agribusiness Receivables Certificates (CRA);
  • Real Estate Receivables Certificates (CRI);
  • Debentures;
  • CDB; and
  • Public securities.

Short-term investments

Now, the short period is that time interval of up to one year. Thus, not all objectives correspond to this period.

Such as traveling , changing cell phones, renovating a baby's room, paying a deposit on a car or motorcycle, are accessible goals that can be achieved in up to a year.

For short maturities, you will need to withdraw your investment and use it again in another one, thus leaving profitability “on the table”.

Take a look at the best options for this type of investment today:

  • Fixed income funds;
  • Real Estate Credit Letter (LCI);
  • Agribusiness Letter of Credit (LCA);
  • CDB; and
  • Government bonds with shorter maturities.

For an emergency reserve

For the emergency reserve to fulfill its purpose, we need to build it with assets that have high liquidity with lower risk.

In light of this, the reserve is nothing more than a financial “cushion” that needs to be used in times of emergency, such as when you lose your job.

For this reason, we need high liquidity, so that we have the money available as quickly as possible, and low risk, so that we do not have less than the amount we initially invested.

So, what are the best investment options for your emergency fund today? See the list below:

  • Government bonds with shorter maturities;
  • Bank Deposit Certificates (CDB) with daily liquidity;
  • Interest-bearing current accounts; and
  • Investment funds.

So, do you already know your profile and have learned which are the best investments today? What are you waiting for to start investing? Also, don't forget to check out our Citas blog for other articles related to the topic.

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