Advertisement

Investing is one of the best ways to make your money go further and achieve financial goals in the medium and long term. But if you have 1 thousand reais available and want to invest wisely, it is essential to know the most profitable and suitable options for your profile. Here are a few profitable ideas that can help you take your first steps into the world of investments.

What to consider before investing 1,000 reais?

Before choosing where to invest, it's important to take a few factors into account. Identify your investor profile and define your financial objectives are fundamental steps. Here are some points to analyze:

Advertisement

  • LiquidityWill you need the money in the short term or can you leave it invested for longer?
  • RiskAre you willing to take risks in search of a higher return or do you prefer something safer?
  • Diversification: Even with 1,000 reais, diversifying is important to reduce risks.

Now that you know what to take into account, let's get to it best investment options for this value.

1# Direct treasury: security and profitability

Tesouro Direto is one of the safest and most accessible options on the market. Through it, you can invest in government bonds issued by the federal government. The initial investment amount is low, and with 1,000 reais you can choose between different securities:

Advertisement

  • Selic Treasury: Suitable for those who need liquidity, as it is easy to redeem without losses.
  • IPCA+ TreasuryExcellent for those who want to protect their money from inflation and think about the long term.

These bonds are considered safe because they are guaranteed by the government, and you can track the yield directly through your brokerage account.

2# CDBs with daily liquidity: higher yields than savings accounts

The Bank Deposit Certificates (CDBs) are another interesting option. Some CDBs offer daily liquidityIn other words, they can be redeemed at any time. With 1,000 reais, you can find CDBs that pay up to 110% from CDIa higher return than savings.

This option is ideal for those who want security, as these bonds are guaranteed by the Credit Guarantee Fund (FGC) up to 250,000 reais per CPF.

3# Investment funds: simplified diversification

The investment funds are a way of diversifying your investments without the need to buy individual assets. With 1,000 reais, you can invest in:

  • Fixed income funds: For those looking for security.
  • Multimarket fundsThey offer greater potential for profitability with moderate risk.
  • Equity fundsFor investors willing to take risks in search of more significant gains.

The advantage of funds is that you can count on professional management, which makes the process easier for beginners.

4# Stocks and ETFs: investing in the stock market with little money

Investing in stock exchange may seem complicated, but with 1,000 reais it's possible to get started in a simple way. A good idea is to opt for ETFs (Exchange Traded Funds)which replicate the performance of indices such as the Ibovespa.

If you prefer individual stocks, it's important to choose solid companies and follow the market. Shares can bring high returns in the long term, but they require patience and risk tolerance.

5# Cryptocurrency market: potential and volatility

If you have a bold profile and are looking for significant gains, the cryptocurrency market could be an option. With 1,000 reais, you can buy fractions of Bitcoin, Ethereum or other altcoins.

It's worth noting that this type of investment is quite volatile, meaning that prices can vary significantly in a short space of time. Studying the market and investing with caution is essential to minimize risks.

6# P2P lending: loans between people

Another interesting and relatively new alternative is P2P lending. In this model, you lend money directly to people or small businesses, receiving interest on the amount invested.

There are specialized platforms that connect investors and borrowers. Although the return can be attractive, it is important to consider the risks, as P2P does not have the same guarantee as traditional investments.

7# Starting a digital business: return on investment

If you have an entrepreneurial profile, investing 1,000 reais in a digital business can be an excellent choice. Ideas such as:

  • Online store on marketplaces: Sell products online.
  • Affiliates: Promote products and earn commissions per sale.
  • InfoproductsCreate courses or e-books and sell them online.

Although this type of investment takes more effort, the potential return is significant if well planned.

Which option is best for you?

Choosing the best investment depends on your profile, objectives and willingness to take risks. If you are looking for security and liquidityThe Treasury Direct or a CDB with daily liquidity are good options. For those who want higher profitability and is willing to diversifyfunds and shares are recommended. The bolder ones can opt for cryptocurrencies or invest in a digital business.

Investing 1,000 reais may seem like a small amount, but it's a great start to developing the habit of investing. The key is to be patient and consistent, as time is a powerful ally in building wealth. Regardless of which option you choose, stay focused on the long term and continuing to learn about the financial market will make all the difference.

See also: What is the cheapest loan for MEI? See the best options

November 12, 2024