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Know where to invest my money to earn more 2023 is the first step to increasing your assets. Among the products with the highest returns are Treasury Direct, LCI, LCA, Investment Funds and others. Check them out below. 

Where to invest my money to earn more 2023

Most people think of savings accounts when they think of investments. That's because, for a long time, Brazilians were taught to save their money for safe growth. 

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In addition, many people think that savings accounts are the only form of investment with a high return. However, it is now possible to find better options than savings and they are just as safe. 

Even though savings are a safe investment, in terms of income and benefits they are not unique. For this reason, many people wonder where to invest my money to earn more 2023. Check it out below:

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1. CDB

The CDB, the acronym for Bank Deposit Certificate, is suitable for both beginners and experienced investors. This product is an excellent option for those who want to diversify their investments in the short, medium or long term. 

CDB yields can reach 120% in some cases, with returns in line with the DI rate. One of the interesting features of this investment is that it is protected by the Credit Guarantee Fund.

However, the FGC limit is up to R $250,000 per CPF or CNPJ, reducing the risk of investing in the product. In short, with a CDB, the investor lends money to a financial institution and it returns the amount plus interest, which is the yield. 

2. LCI

LCIs are investments directly related to the real estate market in Brazil. Among the product's features is its excellent profitability, with two very interesting attractions. 

The first attraction is related to the Credit Guarantee Fund. This is because, unlike other financial products, it works to reduce investment risks. In addition, the FGC insures up to R $250,000 per CPF or financial institution. 

However, what investors need to assess is the viability of the investment, since there are options within this market which, even with income tax, are more profitable than those exempt from taxation. In this sense, always evaluate the market well before making your transactions. 

3. Treasury Direct

Treasury Direct products are securities issued by the Federal Government. One of their main features is their higher yield, which is directly linked to an indicator of the Selic Rate. 

Investing in Treasury Direct is considered extremely safe. In this sense, investors basically lend money to the government, which is converted into infrastructure improvements and the acquisition of equipment for projects. 

However, the money will be returned to the investor on the agreed date, which will be defined at the time of the operation. The amount generated in the Right Treasury is considered to be higher than in savings accounts, even if it is taxed by IR. 

4. Investment Funds 

The Investment Fund is another recommended alternative for investors. This product has a trained professional who helps investors manage their funds strategically. 

This method allows investors to trade in different options, all with their own characteristics, such as profitability. It is important to pay attention to the redemption period, risk and minimum investment to start trading. 

Another important characteristic is to have confidence in the manager, since he or she will be responsible for making the money pay off. This is because, in this investment, the investor cannot make any appointments or choices. 

5. Actions 

Shares fall into the group of assets where the income is variable. In this sense, when investors buy a share, they are becoming partners in a company. And, consequently, they will receive the profits made by it. 

It's important to note that shares tend to rise or fall in value, depending on the company's situation. In other words, the return may be high, but there is a possibility of losing all the money invested. 

For this reason, before investing in shares, investors should study the market well. In addition, pay attention to the company's line of business, as well as news involving the sector. This is the best way to succeed in investing. 

Bonus: Real Estate Funds

Another option for investing your money in 2023 is a real estate fund. This product is one of the most profitable on the investment market today. 

In this sense, if you've thought about investing in real estate but don't want to be responsible for maintenance, this is the best option. 

It's important to note that this method requires a stock exchange account. After all, in order to buy construction quotas, this is an important step. Another possibility is to invest directly in the Real Estate Receivables Certificate. 

It's worth investing in savings

As mentioned earlier, savings accounts are not currently a good investment, especially when compared to the options mentioned above. Even though it is used by many Brazilians, it doesn't bring good returns, and most of the time it yields below inflation. 

However, even if the return isn't pleasant, savings accounts are the safest in Brazil. What's more, the process of opening an account is simple: just go to a bank and provide the necessary documentation. 

How important is it to invest

One of the greatest advantages of investing is undoubtedly demonstrating good control of your financial health. This is because if the investor manages to save money and has a good financial education, it is possible to stay organized in order to make dreams come true. 

However, most people don't see the benefits of investing, which is a very common mistake. In times of economic instability, as well as market fluctuations, those who have managed to save or earn money come out ahead of those who have not. 

In this sense, one of the main benefits of investing is to build up your "financial cushion". Another advantage is that investments facilitate future plans and projects. When there is profitability, investors can speed up the realization of a dream. 

In some cases, especially when you study finance and the investment market, it is possible to build financial independence and live on passive income. 

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