Three questions to ask yourself before investing in the stock market


Many people believe that for invest in stocks you need to have a lot of money and spend the whole day following the price of the paper from the company you bought it from. Applying to variable income is not that complicated. For those just starting out, it is essential to be aware of the risks involved. For those who want to speculate (make short-term operations) the ideal is to take a course that teaches you how to manage risk.

Do I have a profile to invest in the Stock Exchange?

Before opening an account at a stockbroker and starting to invest, you need to answer: do I have the profile to invest my money on the Stock Exchange?

Anyone who wants to resort to this type of investment should be aware that the price of a share goes up and down every day. Therefore, the amount invested will also increase or decrease depending on the performance of the asset.

Therefore, the investor must be cold-blooded when he sees his capital shrinking and control the euphoria when he obtains expressive gains with the rise of a company.

On the Internet you will find several sites where you can take tests to know your profile. If you are conservative, specialists suggest that it is best to stick with fixed income investments (CDB, Treasury Bonds, Fixed Income Funds, among others).

Am I aware of the risks of investing in stocks?

Investing in stocks has a number of associated risks. If the company does not perform well, the profit may be small or even become a loss. Those who bought, for example, preferred shares of Petrobras in 2010, and did not dispose of the papers, are still at a loss, as the price of the asset plummeted from just over 30 reais at that time to the level of 14 reais today.

Therefore, the investor must know that a company is exposed to risks (variations in interest rates, exchange rate, consumption, inflation, international scenario, company debt, production, etc.) low.

Do I know how to manage risk?

To avoid losing money, specialists say that small investors must follow two simple rules: not invest all their capital in the Stock Exchange and the money destined to buy shares must be distributed in the acquisition of shares of different companies, the so-called diversification, which helps to decrease risks.

In addition, it should buy shares of profitable companies, with good management and promising. Small investors should have a long-term horizon (several years) and be concerned with the company’s value, not the share price.

There are so-called traders in the market, speculators who try to obtain profitability in the very short term. They use risk management tools like graphical analysis to limit losses if they occur. If you want to be a trader, study, take courses and only after some time doing simulations enter the stock market. Don’t forget: speculating is for professionals.

Stock exchange can be a good deal

If the investor is aware of the above issues, he will be able to apply on the Stock Exchange and even earn with it. Statistically, in the long run, investing in stocks is what brings the most good returns. Another advantage is income tax exemption when the sum of monthly share sales is less than R$20,000.

This article was written based on the opinion of experts consulted by the report. This portal does not make any type of investment recommendation and is not responsible for losses, direct or indirect damages and lost profits resulting from decisions taken from its content, graphics, tables or videos.

Always look to a regulatory-certified professional for financial investment advice, analysis, or advice. For more details, visit the CVM website: www.cvm.gov.br

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