What is the best investment for beginners?

Choosing the best investment to start with depends on a series of factors, but CDB, LCI, savings, direct treasury and options such as Meu Porquinho, from Inter, tend to be more interesting to invest in as a beginner.

For those who have never made any type of financial investment, it is important to research the details of the most common modalities and the platforms that offer support for beginners who want to invest money easily.

Starting with little money to test options is common
Many beginner investors tend to start investing with small amounts, even in more than one investment option, to evaluate how the money behaves.

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It is worth remembering that profitability (expected return percentage) and risk level are the two main characteristics for decision making.

- CDB: the Bank Deposit Certificate is a fixed income security, considered low risk and protected by the FGC (Credit Guarantee Fund). Its profitability can be pre-fixed, post-fixed or hybrid, and the IR (Income Tax) discount follows a regressive table; the Bank Deposit Certificate is a fixed income security, considered low risk and protected by the FGC (Credit Guarantee Fund). Its profitability can be pre-fixed, post-fixed or hybrid, and the IR (Income Tax) discount follows a regressive table;

- LCI: the Real Estate Credit Letter is also a fixed income security, issued by financial institutions to finance the real estate sector. The main attraction is the exemption from income tax for individuals. It has a maturity and grace period, that is, low liquidity (it is not possible to redeem the money daily); the Real Estate Credit Letter is also a fixed income security, issued by financial institutions to finance the real estate sector. The main attraction is the exemption from income tax for individuals. It has an expiration date and grace period, that is, low liquidity (it is not possible to redeem the money daily);

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- Savings: it is the most popular investment in Brazil, with daily liquidity and exemption from income tax for individuals. Because of this, it is usually a safer option to apply. However, its yield can be considered low compared to other options; it is the most popular investment in Brazil, with daily liquidity and income tax exemption for individuals. Because of this, it is usually a safer option to apply. However, its yield can be considered low compared to other options;

- Treasury direct: is a platform created by the National Treasury in partnership with B3 and which allows the purchase of federal public bonds. It is considered a safe investment as it is guaranteed by the federal government itself and is accessible for small investment amounts; it is a platform created by the National Treasury in partnership with B3 and which allows the purchase of federal public bonds. It is considered a safe investment as it is guaranteed by the federal government itself and is accessible for small investment amounts;

- Digital piggy bank: some financial institutions offer this investment option to their customers. At Inter, for example, Meu Porquinho generates income with the money saved and even includes options to separate amounts for specific goals, with initial investments starting at R$1.

Clear financial objectives and economic situation are essential
To start investing, you need to know not only your financial condition but also where you want to go with your short, medium and long-term goals. From there, you can define how much per month you will invest and which of the investment options makes the most sense.

A possible way to start investing from scratch is to use applications and tools that help you visualize your income over time and manage your financial life.

Studying about investments, choosing low-risk ones first, paying attention to fees and taxes and checking maturity dates and liquidity are important tasks to invest responsibly and safely.

Source: CNN