Where to invest 5,000 reais a month?

Where to invest 5,000 reais a month is a question that many people have, especially those who are just starting out in the world of investments. There are several options for investing in products such as Fixed Income, Real Estate Funds and others. Check them out below. 

Where to invest 5,000 reais a month

The response from where to invest 5 thousand reais a month is not unique, as there are a multitude of options for those who want to get started in the world of investments. The alternatives include Fixed Income products, Real Estate Funds, Investment Funds, Free Stocks, among others. 

So if you're wondering what to invest in, you're not alone. Fortunately, there is no minimum amount to start with, but with R $5,000.00 you can already start building a diversified portfolio. 

However, in addition to starting investments with 5,000, investors need to create an emergency reserve. They also need to plan their finances, especially when it comes to claiming their winnings.

Why create an emergency reserve

Before discovering the best investments for your 5,000 reais, it's important to create an emergency reserve. This reserve is not to make a profit on the market, but to have access to funds when necessary. 

In this sense, if you haven't yet created your emergency reserve, this is the first step to getting started in the world of investments. There are various assets for those who want to do this, such as government bonds with daily liquidity, CDBs, among others.

Why create a financial plan 

As well as an emergency reserve, financial planning is an important factor for anyone who wants to start investing. This procedure will help the investor keep track of their income, as well as their investment plans. 

When creating their plan, investors organize their finances. This is because it is possible to review spending, define personal goals, save, build an emergency reserve, among other important processes. 

Once this stage is complete, investors can move on to the second stage of planning, focusing on their investments:

1. Determine the reason for their application;
2. Define your investor profile;
3. Choose how often you will invest, as well as the size of your contributions;
4. Create your investment portfolio. 

This procedure is essential for anyone who wants to start investing. After all, in this way investors have more control over their shares and can create investment methods to direct their resources. In short, the most suitable investments are those in Fixed Income, but they are not the only ones. Check them out below:

1. Variable Income 

If you want to invest 5,000 reais in Equities, you should know that this is a possibility. However, this investment is recommended for people with a tolerance for risk, because unlike fixed income, investments in variable income are risky. 

The investor profile for this type of investment needs to be aggressive. In other words, those who want to maximize their gains without worrying about market risks. In this case, bet on Real Estate Funds, which offer excellent returns. 

It's worth noting that Real Estate Funds are among the best to invest in next year. In short, if you want to invest R $5,000.00, FIIs are a great bet. Remember to diversify your portfolio to have a better chance of success. 

Before investing in any sport, create your emergency reserve. This amount is essential in the event of adverse situations. Also, keep up with the investment market and study as much as you can about it. 

2. Actions

You can also start investing 5,000 reais a month. However, as with any investment, you need to pay attention to a few points, such as:

• Take stock of the international scene;
• Keep track of all economic indicators, such as inflation.

After all, when investors have this information at hand, they can identify the following factors: whether the market is benefiting the stock exchange, how the economic sector is performing, the indicators for exposing financial life to business and promising securities. 

3. Fixed Income

Fixed Income is probably the recommended investment for those starting out in this world. This is because, as well as being suited to the investor's available funds, it is possible to find out what the return on the investment will be. 

If you don't have much capital, opt for Treasury Bills or DI Funds. In the former case, you can start by investing R $30.00, while in the latter the amounts vary, but you can find investments for R $100.00. There are more possibilities in Fixed Income, such as:

• LCs;
• LCIs and LCAs; 
• CDBs and RDBs. 

When choosing fixed-income securities, investors need to understand the following: the longer the term and the amount invested, the better the rate. And consequently, the better the yield. 

4. Savings

In the past, savings were the main form of investment among Brazilians, but this has changed over the years. It was popular because it was simple, practical and easy to understand, as well as being safe. 

However, most people don't make comparisons with other forms of investment, and some are just as safe as savings. If an investor puts R $5,000.00 into a savings account and lets the money run off, the net monthly income will be R $25.01. 

It's worth noting that we're considering a rate of 6.17% for the year. It is therefore possible to make further simulations, such as: 

• If the investor leaves R $5,000.00 in savings for a year, the amount will become R $5,308.50;
• However, if you add R $5,000.00 per month for 12 consecutive months, the income will be R $66,986.91.

Even if it seems like a great investment, the return would only be R $1,986.91. In addition, there are other products that offer investors a higher return and are as safe as savings. This is the case with fixed-income securities, where investors find out the yield at the time of the transaction.