Anyone who thinks that you need to have a lot of money to invest is sorely mistaken. But what is the minimum amount to take the first steps? No Chat with Specialist, live program from UOLeconomist César Esperandio shows that some available securities require an investment of less than R$1.
Esperandio also says that, for those who are starting from scratch, there is a more recommended path. See what it is.
Read his explanation and watch the program excerpt below. Chat with Specialist is a question-answer about investments exclusively for subscribers and is broadcast fortnightly, on Thursdays, from 15:00 to 16:00.
Minimum investment below BRL 1
Esperandio says that there are investments in private fixed income of less than R$1, such as some CDBs (Certificados de Depósito Bancário) offered by banks.
Master Bank offered a CDB with a minimum investment of R$ 0.95. He reinforces that investments in CDBs are protected by the FGC (Credit Guarantee Fund).
On the Fixed Income App platform, you will find several titles with variable initial investment. On the Treasury Direct platform, the available securities have an initial investment with slightly higher values: from R$ 30.
It is worth mentioning that the investment conditions mentioned here refer to March 24th. Fees may vary from day to day.
The economist also says that in variable income it is possible to start investing in stocks with little money: about R$1.
Step one: Build your emergency fund
“But if you’ve never invested, the first investment should be in your emergency reserve. Start by building your own. It’s that money that corresponds to six to 12 times your average expenses per month”, says Esperandio, who is also from the Econoweek channel.
That is, if you have an average monthly expense of BRL 2,000, your emergency reserve should have between BRL 12,000 and BRL 24,000.
“This is a security so, in case of an emergency, you can have this money available to use”, he declares.
For the emergency reserve, Esperandio says that the most recommended are Selic Treasury bonds.
“Or CDBs, LCIs and LCAs with daily liquidity and whose profitability is at least 102% or 103% of the CDI, because then it begins to exceed the profitability of the Selic Treasury. It is important that it has immediate liquidity, is a safe investment and have predictable profitability”.
The economist says that you don’t need to build up your entire emergency reserve before starting other investments.
You can build your emergency reserve little by little and, at the same time, start investing in other assets in fixed income and even in variable income. This depends a lot on your investor profile.
Chat with Specialist is fortnightly
The program Chat with Specialist is broadcast on Thursdays, fortnightly, from 3 pm to 4 pm, on the home page of UOLat UOL Economia and UOL Investimentos, and is exclusive to subscribers. Review past programs here.
You can send questions to Papo by e-mail firstname.lastname@example.org —they can be answered in the program.
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