In this HTML post, the author discusses investing in fixed and variable income, highlighting the importance of understanding each type before starting. They recommend beginning with fixed income investments for those new to investing due to their lower risk. Examples include bank deposits insured by FGC (Fund for Guarantee and Development) up to 250,000 Brazilian reais, commercial papers (CPs), lending certificates (CDB), and real estate credit titles (LCI and LCA).
The post also mentions that fixed income investments tied to the Selic rate, Brazil’s benchmark interest rate. The Central Bank of Brazil adjusts this rate to control inflation. When the Selic rate is high, fixed income investment returns are generally higher. However, the author emphasizes the importance of diversifying investments as economies go through cycles.
The post then discusses variable income investments, particularly stocks and real estate funds, which have the potential for greater gains but also involve more risk. The author suggests studying before investing in variable income and starting with small amounts to understand how the market works. They mention Warren Buffett’s famous quote about risk being associated with not understanding what you are doing.
The post highlights Luis Barc, a prominent Brazilian investor who focuses on stable companies in essential economic sectors that pay dividends. The author recommends reading Barc’s book “O Rei dos Dividendos” for more insights into his investment strategy.
In conclusion, the author advises those new to investing to first clear their debts and build a rainy-day fund in fixed income investments. After creating an emergency reserve, they can begin learning about variable income investments by starting small with conservative, secure options.
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