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The investment process is challenging for most people. However, by understanding the strategies, concepts and methods of the market, investors run lower risks. One of the main doubts of those starting out is how much is 100 reais on the stock exchange. Check it out below. 

How much does 100 reais earn on the stock market?

How much does 100 reais earn on the stock market? is something that many investors are interested in knowing. Nowadays, the investment market has become accessible to Brazilians, making it possible to achieve good results even with little capital. 

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This is the case for investors who want to get started in the market with just R $100.00. Although most people don't have this knowledge, it is possible to invest this amount per month in shares. 

Although investing may seem challenging at first, it is possible to achieve great results through planning. The stock market is more valuable than most people realize, but you need to follow a few steps. 

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In general terms, by investing R $100.00 in shares, investors generate dividends per month. This means that shareholders receive, on average, around R$0.045 per month. Even if the amount seems small, it is possible to achieve good results in the long term. 

Best investments to start with 100 reais

In principle, there are various products for investing in the market, with little or a lot of financial capital. In practice, there are investments to get started with 100 reais, and they fit all budgets. Check them out below:

1. treasury direct

Treasury Direct securities are public securities. In this sense, by investing in this model, people are lending money to the Federal Government. The best thing is that anyone can invest in this model from as little as R $30.00. 

This is one of the safest investments on the market. By lending money to the government, investors receive the amount plus interest, which is the final return on the investment. There are three securities to invest in:

  1. Selic: These securities follow the variation in the economy's basic interest rate;
  2. Fixed-rate: Fixed-rate securities have their yield defined at the time of investment;
  3. IPCA: Last but not least, these bonds are remunerated by the IPCA variation. 

2. Actions

Another category to invest in with R $100.00 is shares. In other words, when you invest in shares, you're buying a share in the company and, as a result, you become a partner in it. 

Most people have doubts about how profit works when investing in shares. The process is simple: you, as a shareholder and investor, become entitled to the company's profits. 

However, as with any investment, there are risks. Because it is a form of variable income, i.e. one that can bring in a lot of profit, investors run a high risk of loss. The reason for this is that shares are influenced by various factors. 

3. Fixed Income

Investors can start by investing in fixed income assets. These models are usually CDI-indexed investments. In addition, they pay percentages related to this index. 

As well as the CDB, investors can invest in more fixed income products, such as the LC. However, to make the investment worthwhile, it is essential that it has a yield of 100% of the CDI. 

In addition, in the case of income tax returns, investors need to calculate the tax rate on the return. In this case, the values are defined as follows:

  • Up to 180 days: the rate will be 22.5%;
  • Between 181 and 360 days: the rate will be 20%;
  • Between 361 and 720 days: the rate will be 17.5%;
  • and over 721 days: the rate will be 15%. 

4. Investment Funds

Investment funds are recommended for investors who don't know which investment is best. The reason for this is that, when you buy one of the shares, a manager manages it. 

This means that the manager decides what to buy and how much to invest. In this sense, it's important to trust the manager, as he or she will be responsible for investing your money and making it pay off. There are different types of investments:

  • Short-term: These are securities with a maturity date of less than one year, meaning that the risk is low and liquidity is high;
  • Fixed Income: Fixed Income securities can be public or private;
  • Shares: In this case, 67% of the funds invested in the Stock Exchange are required;
  • Multimarket: In this case, there is a mix of investments, such as Fixed Income, shares, among others. 

5. Savings

Savings are another option for investing your 100 reais. Even if the yield is not high, it is the safest on the market. What's more, there is no minimum amount to deposit, you can start with any amount. 

To start investing, investors need to transfer the money to their bank's current or savings account. It's worth noting that this product has no maturity date, grace period or income tax. 

Tips for starting to invest

Most people think that the stock market is only for those who have a lot of money to spare. However, the B3 (Brazilian Stock Exchange) is democratic and offers excellent income opportunities. 

Before you start investing, it's important to consider a few tips that can guide you along the way. Check them out below: 

  1. Create clear objectives: Define your short-, medium- or long-term goals. This clarity offers investors personal organization; 
  1. Choose investments that suit your profile: There are two ways to invest 100 reais: by buying securities separately or through an investment fund;
  1. Build an investment portfolio: To increase the yield on your account, it is important to build an investment portfolio that is ideal for your investor profile. Remember to diversify your securities, reducing risks and maximizing gains;

Successful investors are always looking for new information on the subject and increasing their knowledge. 

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