Learn which are the best investments to increase your saves

For those who think about what is the best investment currently, know that it depends on some factors that must be taken into account when investing your money. Despite this, it is possible to have an idea about the best scenario to invest your money in 2023.

Before knowing the best investment for you, try to understand which alternatives are more compatible with your objective, your deadlines and what your risk tolerance is. So, you need to be aware of your investor profile.

But, I already know that the best investments are those that have the potential to grow, that is, those that make your money yield more.

Variable income, for example, is a modality with greater chances of delivering the best opportunities and enabling good results, whether with stocks, funds, ETFs, BDRs, FIIs, futures contracts, among others.

First of all, what you need to know about the best types of investments is the payback period they have. For example:

• Selic Treasury: short term, yields the Selic rate;

• IPCA Treasury: medium and long term, income according to inflation plus a fee;

• Prefixed Treasury: It has a fixed rate that does not change.

Investments for the conservative profile

The best investments for the conservative profile are pre-fixed, post-fixed and inflation linked fixed income securities. Are they:

• Direct Treasury;

• Bank Deposit Certificate (CDB));

• Real Estate Credit Letter (LCI);

• Agribusiness Letter of Credit (LCA).

• Treasury Direct public securities linked to the IPCA, in turn, will yield according to the variation in inflation in the period invested in question.

Investments for the moderate profile

Investments for the moderate profile have greater risk tolerance compared to investments for the conservative profile, for example. However, in this type of investment there is a balance between security and profitability.

It is recommended that investors diversify their investment portfolio:

• Post-fixed;

• Investments linked to inflation;

• Pre-fixed;

• Variable income;

• Between others.

Investments for the aggressive profile

Aggressive investors are those who seek higher returns and tolerate risks, losses and market volatility. For them, the recommended thing is to evaluate the moment of oscillations in the economy and to have an investment portfolio formed, mainly, by variable income.

The best investment for this profile is private pension. By presenting good yields with a diversified portfolio, it offers funds for every investor profile.

What is the best type of investment?

As we have seen, there are several types of investments for each investor profile, however, in addition to taking this into account when investing your money, you should keep in mind that the best investment is the one that generates profit for you, that is, that makes your money go.

No one wants to have losses or for their money to devalue, right? Therefore, stay tuned for news in the financial market and keep your investment portfolio diverse, in addition to, of course, having your emergency reserve.

It doesn't matter what your investor profile is, you will have to monitor how the Selic Rate is doing, for example, or even how the political scenario is currently doing, as all this interferes with inflation and how the return on investments will be.