Everyone, at some point in their lives, decides it is time to generate passive income, accumulate capital to fulfill dreams, or ensure retirement with quality of life. An efficient way to get started is a variety of low-cost investments.
But what is low-cost investment?
This is the financial product that requires little money to start investing, and even if you have a good amount of capital available, you will not invest all of it in this type of investment.
The idea is precisely to be a safe starting point for those who do not want to risk the savings accumulated in the savings account until the will arises to invest capital – and time – in more attractive applications.
Low-cost investments help form an investing mindset without a great deal of risk involved. For those who have a conservative investment profile, they allow you to acquire confidence and security.
There are many low-cost financial assets, but did you know that investing in tokens can provide a great return without spending a lot?
In this article, BLOCKBR will talk about low-cost investment tips and how to get the best performance out of this strategy!
WHAT ARE THE ADVANTAGES OF A LOW-COST INVESTMENT?
In addition to the positive points we mentioned earlier, applying at low cost brings other important advantages.
CREATE THE DISCIPLINE TO INVEST
Discipline is a basic condition for an investor’s success, but not everyone is disciplined – and the larger the contribution, the more difficult it is to be regular.
Low cost investments are more comfortable to fulfill and show the investor the importance of programming and keeping to a schedule of contributions.
PREVENT YOURSELF FROM SIGNIFICANT LOSSES
Every financial loss is relevant – losing 100 or 1,000 reais is significant, depending on how much the amount represents in a person’s budget. However, this prevention is a special advantage for those who are starting to invest.
With small contributions, even with a high available capital, it is possible to feel the market moods in the short and medium term without the eventual loss creating a disaster in the personal budget.
The diversification of the investment portfolio also allows the impact of losses to be mitigated.
GAIN INVESTMENT EXPERIENCE
Investing in the financial market is often traumatic for many people, and the reason, most of the time, is betting on great returns where there is also high risk.
By starting with small investments and diversifying the portfolio, it is possible to distribute the results and risks among the assets and gain experience in observing the performance of each one and make better decisions.
Want to raise funds by tokenizing your business assets? See how it works!
HOW IMPORTANT IS INVESTMENT DIVERSIFICATION?
When we talk about diversification of investments, the famous phrase from ten out of ten finance classes comes to mind: don’t put all your eggs in one basket.
Diversification in investing is exactly about this: don’t put all your expectations on one asset, no matter how good its history and expert analysis may be – in case of loss, it will be as big as your expectations!
Diversifying investments allows you to handle some losses without hopelessness and, when investing in riskier (and costlier) assets, also protects you from their volatility.
HOW TO DIVERSIFY YOUR INVESTMENTS
A good example of how to diversify financial investments is when we invest 100% of the capital in shares of three companies – a high-risk investment.
What if the three stocks fall sharply and are worth 20% of the purchase price? The loss can be great.
On the other hand, when you put together a portfolio with 40% in stocks, 30% in fixed income securities, and 30% in a tokenized real estate fund, you will have different return behavior, varying risks, and a sharp loss can be mitigated by gains in the other products.
HOW A DIVERSIFIED PORTFOLIO HELPS THE INVESTOR
A diversified low-cost investment portfolio contributes to:
- Acquire the initial security, when there is a lot of information and fear of losing money;
- Gain confidence by analyzing the results and understanding in which positions you can move to increase profits or need to move to avoid losses;
- Change your investor profile, going from a conservative position to a bold one, but based on data, studies, and acquired experience.
HOW TO HAVE LOW COST INVESTMENT DIVERSITY?
There is a wide diversity of low-cost financial products that can make up an efficient investment portfolio that produces consistent passive income and represents low risk. Here are three investments that are on the rise in the market.
Tesouro Sel ic or Tesouro Direto Selic is a government bond – a paper issued by the federal government. In short, you lend money to the government, which in return pays you an income.
- A fixed income security, much sought after by those who want an alternative to saving with security and flexibility of time;
- Post-fixed remuneration that, in this case, is linked to the basic interest rate.
- Daily liquidity – it is possible to redeem the value before the contracted deadline, receiving the principal value plus the proportional yield;
- Recommended for emergency reserve formation, due to its high liquidity.
It is possible to start investing in Tesouro Selic starting at R$100.
The CDB or Bank Deposit Certificate is a private security – a paper issued by banks to raise funds from investors to generate financing lines or to lend money to their customers, in a self-financing cycle.
There are three modalities: the pre-fixed CDB, the post-fixed CDB, and a combination of both – the hybrid CDB.
- A fixed income security, also sought as an alternative to savings due to its superior yield and term flexibility;
- The profitability of the CDB is defined by each bank, usually referenced to the CDI, which is usually aligned to the basic interest rate;
- It has daily liquidity, but it is recommended to redeem only at maturity, because if redeemed before, there is the possibility of losing the entire yield;
- Recommended for emergency reserve formation, due to its high liquidity.
It is possible to start investing in CDB from 1,000 Reais.
FINANCIAL ASSET TOKENS
Financial tokens are an innovative investment modality that stands out for its versatility of options, because tokenization is not the product itself, but a highly efficient digital vehicle for investing in a financial digital asset.
Currently, there are security tokens, which represent shares, debentures, bonds, and guarantees offered by companies in order to raise funds that will be used in their projects.
There are other tokenized asset options.
- Real estate funds;
- Future crop rights;
- Industrial projects.
In fact, there is no limit to tokenizing an investment product and with an important differential over other applications: token fractionation.
The holder of the asset can break it down into hundreds, thousands of tokens of smaller values that can be purchased by a larger universe of investors.
With this, financial tokens become a low-cost investment with excellent results!
By registering with a cryptoactive broker (or exchange), you can choose from a range of offerings with varying minimum investment amounts and participate in applications that were, until recently, restricted to large investors and funds!
BLOCKBR Digital Assets is a fintech that combines technological innovation and digital knowledge to transform physical assets into digital ones, in the asset tokenization process.
The offer of tokenized physical and financial assets, both current and new, is democratic and decentralized, which makes investing safer, simpler and more efficient.
We enable, structure, issue and offer tokens on our platform and beyond. Be aware that tokens depend on feasibility and regulatory factors.
Do you want to tokenize your business or part of it? Do you have a business solution and does it make sense to issue your own token ?
BLOCKBR : digital assets driving results and dreams!