How to start investing for retirement

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With pension reform on the agenda

With pension reform on the agenda, many people have been looking for other ways to ensure a smooth retirement, without depending on public pension. If you are also worried about the future, how about starting to invest for retirement?

In this post, we have separated some tips for you to save money, make plans and invest in your future. Check out!

 

Start saving

Before leaving to make crazy plans for the future, you should ask yourself, “How much money am I saving today?”

In other posts here on the blog, we have already said that the first step in building a heritage is to start saving.

So, if you still can't save money, it's time to rethink your consumption habits.

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Set your goals

After organizing your personal finances and learning to save money, you can start planning for the future.

Analyze your expenses, your life goals and make a projection of how much you will need to earn when you decide to “hang up your boots”.

Making such a prediction is not an easy task, especially if there are still a few decades to go before retirement.

But you can start, for example, thinking about your life 30 or 40 years from now: where would you like to live?

Do you intend to travel, take courses or spend your time with a specific activity?

Write a wish list and try to estimate the income needed to make those dreams come true.

Start investing for retirement

Now that you have learned how to save and set your goals, the time has come to invest to ensure a peaceful future and not have to rely on public pensions.

The first piece of advice is: know your investing moment and try to diversify your investments to protect yourself from the oscillations of the economy.

If you are a conservative investor, for example, the ideal is to keep the funds in different investments in fixed income.

For those who are more daring, investing part of the money in variable income can be a good strategy.

Banco Inter account holders can take an investor profile test free of charge.

Just access PAI, Open Investment Platform, through Internet Banking or the Banco Inter App.

Once you understand your investing moment better, the next step is to evaluate the best long-term investment options.

We list some applications below:

CDB and LCI

These two investments offer a higher return than savings and are guaranteed by the Credit Guarantee Fund (FGC).

They are ideal for those who are starting to invest, or want to keep part of the portfolio in fixed income.

When investing in CDBs and LCIs, you "lend" your money to the bank, which pays you a specific fee, according to the amount invested, the term and the variation of specific indicators, such as the Selic and the IPCA.

There are several variables when choosing between one application or another.

To find out which is the best alternative for you, click and see how to compare these investments.

Direct Treasury

National Treasury bonds are a safe, affordable and profitable option for anyone looking to invest in the long term.

You can apply with just R $ 30.00 and the earnings can be redeemed semi-annually, or when the application expires.

And if you need the money for an emergency, the Treasury offers a daily repurchase of the bonds, at market price.

To find out more about Tesouro Direto, just go to click here.

Private pension

Private pension plans are an interesting alternative to guarantee extra income and supplement retirement income by the INSS.

Anyone can invest in private pension, making monthly contributions, or according to financial availability.

At the Banco Inter, for example, you can hire a plan for just $ 100 a month.

But before choosing, it is important to know the main variables of private pension funds, such as the taxation regime (progressive or regressive), the rates and the profitability of each fund.

Want to know more? Thencheck out this post.

Shares and investment funds

The fall in the Selic rate and the recent increases in the São Paulo stock exchange (B3) have attracted investors to the stock market.

In the long run, this segment can offer higher returns than fixed income.

However, the risks are also higher. If you are also interested in this type of investment, there are two things you need to know.

The first is that the best investment is one that meets your profile. The “fashion” application is not always ideal for your purposes.

But if you have already done your investor profile test and saw that the equity market is also for you, the second tip is to assess whether you have the necessary knowledge to buy and manage the shares on your own.

If you feel empowered, you can count on IDTVM, the securities brokerage of Banco Inter, to buy, sell and maintain free custody of its securities.

But if you don't know much about stocks, or don't have time to make that commitment, the best solution may be to invest in investment funds.

They are like a "condominium" of investors, who acquire shares in the fund.

Equity is managed by specialized managers, who make decisions according to market trends and the category of the fund - which can be more conservative or more daring.

 

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