Understand the Importance of Managing Risks When Investing
The Selic Rate, or Special Settlement and Custody System, is a crucial tool that the Central Bank uses to control inflation.
Its variation directly affects the entire economy, including the investment universe.
When Selic falls, the return on investments linked to it, such as savings and DI funds, tends to decrease.
This means that if you have money invested in these investments, you will likely see a reduction in profitability.
However, not everything is unfavorable. The fall of the Selic rate It also creates opportunities in other types of investments, such as stocks, real estate funds and inflation-linked bonds.
With lower interest rates, companies tend to take out more loans to invest in growth, which can increase the value of their shares.
Furthermore, properties have the potential to appreciate in value due to easier financing.
It is essential to understand that the low Selic environment does not mean that you should stay away from the investment market.
On the contrary, it is a time to evaluate your portfolio, consider diversification and look for investments that can benefit from this scenario.
The key is adaptation, recognizing that risk profile and long-term goals are fundamental in decision making.
In summary, the drop in the Selic rate brings challenges and opportunities.
The important thing is to be prepared, informed and ready to adjust your investment strategy according to the new reality of the financial market.
When the Selic is falling, the financial landscape for investments undergoes considerable changes.
Diversifying your portfolio becomes even more crucial, and certain assets may present themselves as more attractive options.
Below, we explore some alternatives for focusing your investments in this scenario.
Investments of fixed income, prefixed or linked to inflation (such as the Treasury IPCA+) may be interesting, as their yields will not be directly affected by new reductions in the Selic rate.
They offer predictable returns to the investor, a feature valued in scenarios of economic uncertainty.
You Multimarket Funds, which invest in a variety of assets (such as shares, foreign exchange, fixed income), offer interesting profitability potential with the Selic rate falling.
The intrinsic diversification of these funds can help reduce risk.
Expose part of your capital to international markets may be a strategy to protect your assets in the face of economic variations in Brazil.
ETFs that replicate foreign indices or funds focused on the foreign market are some of the options available.
Regardless of the direction in which the Selic moves, diversification remains an essential component of a balanced investment strategy.
Being aware of changes in the economic scenario and relying on expert guidance can help you choose the most suitable investments for each investor profile.
When considering adjustments to your portfolio, it is important to revisit your long-term financial goals and make decisions aligned with them, without getting carried away by specific market movements.
With the Selic At lower levels, many investors find themselves faced with the challenge of maintaining the profitability of their portfolios without taking on excessive risks.
Protecting your investment portfolio in this scenario requires adaptive strategies and diversification. Below are some practical steps you can take.
Diversification is crucial to mitigate risks. In a low Selic scenario, it is advisable not to focus on just one investment category.
Consider diversify between fixed income, variable income, international investments and other asset classes.
This way, you can offset low pay in one segment with potential gains in others.
Government bonds linked to inflation, such as the IPCA+ Treasury, can be a good alternative.
They offer remuneration above inflation, guaranteeing the purchasing power of your capital in the long term.
This type of investment becomes even more relevant in periods of low interest rates, as it preserves the real value of your returns.
Investing in variable income, such as stocks and real estate funds, can be an effective strategy.
Although they come with a higher degree of risk, these investments have the potential to higher profitability in the long run.
Especially in a low interest rate environment, where companies tend to benefit from lower financing costs.
Useful links to start your research:
Knowledge is a protection tool. The more you know about finance and investing, the better you can make informed decisions.
Research, take courses, participate in webinars and read books on the subject. Financial education will help you identify opportunities and develop more efficient strategies for your investor profile.
Analyze your investment portfolio regularly. This reassessment allows for adjustments as the economic scenario and your financial goals change.
If necessary, reallocate resources to optimize profitability and minimize risk, while maintaining alignment with your risk appetite and long-term goals.
Finally, consider seeking guidance from a finance specialist.
A professional can offer valuable and personalized insights for your situation, helping you navigate the low Selic scenario with greater confidence and effectiveness.
