In a country with high interest rates, fixed income investments such as DI funds end up being more advantageous for those who do not have a large appetite for risk. But for anyone who wants to allocate money in stocks, it is important to know the market well before and take some precautions before mitigate the risks. Let’s know more?
Define your investor profile
One of the first things that should be done before making an investment in the stock market is the definition of the profile. It will set the horizon in relation to the investment, in addition to the propensity to losses that the investor possesses. If the hair will stand up because of a sudden decrease in the price of a stock, you should look for another alternative. If the appeal is for a longer time invested, it is an indicator that the Exchange is a good option. But for that, this profile must be traced. The banks and brokers themselves have the questionnaire to indicate the profile. Although they do not own the whole truth, they indicate the main course to follow within the stock market: if they buy shares with more profitability, with more dividends, the better known, “monkeys”, etc.
Seek technical knowledge
It is no use thinking that your knowledge of conventional funds will get you to get good results on the stock exchange. It requires specific market knowledge and always seeks to read about the current economic situation not only in Brazil but throughout the world.
More than half the investors of the Brazilian stock exchange are foreigners. Therefore, if there is a major capital flight from these investors, the tendency is that the market will retract and the stock market indexes will decrease in the short term. If this occurs, your acquired knowledge may indicate exits between remaining invested or redeeming the investments.
Do not start with all your capital on the stock exchange. On the first setback, you will tend to only make losses and will never invest again, believing it to be bad investment. The ideal is to start with a relatively small amount and increase the leftovers appear.
One of the secrets of a good investor in the stock market is patience. If you have the patience and know how to wait for the best opportunities, you will hardly lose in the long run.
Work with your broker
Some brokerages offer important information such as monthly portfolio advice, the situation of different markets, among other technical information to help your clients in making decisions from where to invest or stocks.
This is important information because you can check the percentage of success she had for reference, although this past success does not guarantee any future gain. But the possibility of you investing successfully with the analysis of renowned experts is much greater. Therefore, use and abuse the provided by your brokerage firm.
It is not enough just to think that, because you have invested in 5 or 6 different companies, your investment will be diversified. It is important to act in different markets. For example, it is not enough to invest in stocks of 2 or 3 different companies in the same industry, such as commercial aviation. They belong to the same consumer market and respect the same standards. Any setback in this industry will affect all businesses and their investments.
Ideally, a percentage should be invested in a commercial aviation company, another in retailers and a percentage in an infrastructure company. This is a diversified portfolio and a problem in retail may be recovered by high aviation companies, for example.
Avoid Despair in the Face of Negative Situations
If one or two stocks in your portfolio perform poorly or with repeated negative results, do not panic. One of the worst things a stockbroker should do is look at stock quotes hourly. In addition to doing harm to one’s health, it will not cause the prices to rise.
Ideally, you put limits on losses and know how to recognize defeat. Recall that one of the main attractions of the stock exchange is the high volatility, which allows investing possibilities of greater gains but losses as well. Do not worry, because your wallet is diversified enough, you will have many opportunities to recover these losses in a short time.
Leave aside very expensive actions
The value of the asset can be an indicator of the health of the company. But, some stocks of companies end up getting very expensive, with papers worth, sometimes, over $ 1000 / each. In these cases, it is common for companies to split (split) the stock – and hence the price – to make the investment in their shares more accessible and popular and to gain liquidity. If you want to invest in stocks with this profile, it pays to wait to see if the company will split.
Schedule yourself to pay less taxes
Income tax must be paid on all equity capital gains on the stock exchange, with a percentage of 15% for normal operations and 20% for day-trade operations, which are those that occur in a single day, sometimes in minutes. However, for normal operations, there is the exempt portion of gains when the negotiated value is less than R $ 20 thousand monthly.
So if you have a month with fewer trades, schedule the dates so you do not exceed the exemption threshold as this will make a big difference to your earnings over the months. 15% of your earnings as income tax. It is enough to be programmed.
The money used to invest in the stock market should be very well managed, requiring greater respect than the values invested in more conservative options, such as CDB, Fixed Income, among others. But it is not necessary to lose sleep to make it yield the expected or more than expected. Just discipline, patience and knowledge. What did you think of the post? Want to know a little more about investing in the stock market? Leave a message to us!