TAKE ADVANTAGE OF FINCLASS' BLACK FRIDAY WITH A 50% DISCOUNT: https://finc.ly/1785351670 CONTACT A PORTFEL CONSULTANT: https://swiy.co/RExZ For many people, starting to invest is not so easy, even for those who understand what should be done. This happens because it is difficult to find a "step by step" of what should be done. Usually, you end up watching finance content without necessarily having a specific video to start. You see as questions arise about how to save money, how to invest in the treasury direct, how to start with little money... Opening an account with a brokerage firm is just the first step. I have separated 5 other steps that you should follow: 1) Get out of debt 2) Change of approach • With debt out of the way, we still need to build the right mindset. • Even though investing to have “extraspheric returns” seems like a seductive alternative, we have to understand that the basis of any good investment portfolio is. • Here is the part on how to structure the investment portfolio correctly. Non-simplified calculation of retirement: I will guide you step by step through the calculation. To simplify things, follow me. First do the following calculation: (1+i)n – 1 i is the real investment rate (I will use 6%) n is the time you will enjoy the Monthly Income, which we will assume is 25 years. The calculation is like this: (1+0.06)25–1 resulting in 3.2919 (save this number) Now calculate (1 + i)n-1 xi Putting the numbers together it becomes (1 + 0.06)25-1 x 0.06 which is 0.2429. Divide the first number by the second: 3.2919/0.2429 resulting in 13.5525. Divide the result by 10000 (your desired Monthly Income), obtaining 0.00135525. Divide 1 by the result: 1/0.00135525 resulting in 737.87 which is your final result. 3) Create an account with an investment brokerage firm Now that you understand what needs to be done, you are ready to know “where” it should be done. For those who have little money, the bank is not the best place to invest. Many investments offered by banks offer either very low rates of return or very high costs. The brokerage account is not a bank account. The problem: I took the brokerage fee from a traditional bank here. The fee is R$10 + 0.25% PER ORDER. In other words, you pay more depending on the amount of shares you buy. So, let's suppose you buy R$100 worth of ABEV3. For this amount, you would pay R$10 + R$25 ON PURCHASE. A loss of 35% just on the purchase. Considering the sale, another R$35 and 35%. Therefore, to break even with the purchase of ABEV3, the investor would need to have at least 70% gains, which is hard to imagine for ABEV3. According to Economática, the maximum 1-month return for ABEV3 was 9.41%, which leads us to believe that the investor would have to wait at least a few months to see if he could offset this cost. In brokerages: it is possible to find brokerage fees that vary from 80 cents to 15, 20 reais. In any case, most of them are lower than the cost charged by banks, which helps to be successful and make money. And that's why the fourth big step to investing is: 4) create an account in a digital bank. An ally of small investors because it doesn't have many fees. Investment enhancers Imagine 2 scenarios here: The first, investing with an account in a traditional bank and paying R$15 per transaction. The second, through a digital bank, without paying fees. Let's imagine that you will invest R$1000 initially and R$100 reais monthly for 10, 20 and 30 years in Tesouro Selic through your brokerage, but paying the TED to the traditional bank to send the money. Therefore: . With a traditional bank account – 10 years: R$15,956.59 20 years: R$43,769.67 30 years: R$95,490.47 With a digital bank account – 10 years: R$18,444.30 20 years: R$50,883.48 30 years: R$111,206.93 Difference: 10 years: R$2,487.41 20 years: R$7,113.81 30 years: R$15,716.46 (impact of 15 reais in 30 years becomes more than 15 thousand) Recap… Now, you already know the 4 essential practical steps to start investing. From here, the thing to do is to access your brokerage's platform and start investing there. If you still have problems with this practical part, don't worry: I've already made several videos here on the channel teaching you how to invest using the Rico platform. So, if you still have questions about how to invest through your brokerage, just watch the videos I left on the final screen! Social Networks: BLOG - http://oprimorico.com.br YOUTUBE (subscribe) - http://bit.ly/1S6WMoM FACEBOOK (like page) - / oprimorico TWITTER: / thiagonigro INSTAGRAM: / thiago.nigro PODCAST: / thiagonigro